Show cover of The Fintech & Digital Banking Podcast by Annika Melchert & Nora Hocke - presented by BCG Platinion

The Fintech & Digital Banking Podcast by Annika Melchert & Nora Hocke - presented by BCG Platinion

Let’s talk about the “tech” in fintech and discover how technology is transforming today’s financial services industry. Join Annika Melchert and Nora Hocke as they chat with crypto experts, fintech founders and neobank executives from all around the world. The Fintech and Digital Banking Podcast by BCG Platinion-contact:


"Modern Fintechs Are Born in the Cloud” with Anton Langbroek, General Manager DACH & CEE at Mambu
Hardly any other fintech is tied as strongly to the terms “next-gen core banking” and “cloud first” as the unicorn Mambu. Bringing in broad experience across the fintech and banking ecosystem, Mambu General Manager Anton Langbroek shares his views on modern versus traditional core banking systems. What are the implications of a modern core banking system on the customer experience but also operability? How can incumbent banks migrate from a traditional to a modern core banking system? And how can software as a service be realized if the regulator imposes restrictions in terms of hosting location? Listen in to find out!
35:15 08/10/2022
“Finding the Sweet Spot in B2B Payments: Mondu and Its ‘Buy Now, Pay Later’ Offering” with Philipp Povel and Malte Huffman, Co-Founders and Co-CEOs of Mondu
While other “buy now, pay later” players are laying off employees to make up for increasingly pessimistic market expectations, the Berlin-based fintech Mondu just raised €40M in funding. We met with the two co-founders, Malte Huffman and Philipp Povel, and asked them about their secret recipe for building yet another successful start-up, the challenges of integrating into B2B ecosystems, and their approach to create a tech platform that caters to their ambitious growth plans. Listen in and find out what role our previous guest Raisin plays in the Mondu landscape and how Mondu differs from marketplace payments provider Payaut.
38:32 06/29/2022
“UpLyvt and Their Plan to Unlock Women’s Financial Health” with Alexa Cotiaux, Cofounder of UpLyvt
We invited Alexa Cotiaux, cofounder of UpLyvt to our first live recording session ever that took place during an internal women’s event! UpLyvt is an early-stage fintech from Berlin that focuses on female wealth management and financial well-being. We chatted with Alexa about UpLyvt’s purpose and product vision and what role a low-code platform plays in their product development approach. In addition, she shared with us her secrets of personal drive and some best practices for balancing parenthood and being a fintech founder.
29:34 05/25/2022
“Why API-First Is Not Only Relevant for Fintechs” with Ove Kreison, CTO and Co-founder of Tuum
What makes an Estonian fintech cooler than a Californian one? Probably not just the weather! It’s time to get to know Tuum and its mission to help banks stay in the current digital age. Listen in on this episode with Ove Kreison, CTO and Co-founder of Tuum—formerly known as Modularbank—about what characterizes a state-of-the-art core banking system and why modern APIs are even more important for incumbent banks.
28:51 05/11/2022
“The Art of Navigating a Company Through Rapid Growth and Post-Merger Integration”—with Michael Stephan, COO and Co-founder of Raisin
The Berlin-based fintech unicorn Raisin has written quite a success story of organic and inorganic growth since it was founded in 2012. Starting with a “savings-as-a-service” offering, it has massively expanded over the years both in functionality and in markets. Most recently, it merged with its former competitor Deposit Solutions to grow even stronger. Listen in to this episode to learn about Raisin’s evolution and the challenges they’ve overcome—both technical and operational—and hear about what lies ahead on their journey to become one of the biggest European open banking fintechs.
28:46 04/27/2022
About Your Favorite Fintech Podcast
A warm welcome to the Fintech and Digital Banking Podcast hosted by Annika, Manager, and Nora, Senior Consultant, from the BCG Platinion’s Financial Institutions Practice. Join us as we uncover the best-kept secrets of neobank and fintech experts and learn what’s hot and what’s next on the tech side of banking. Any questions? Reach out to us:
11:07 04/06/2022
“Why Banking and Flawless Customer Experience Are Not Contrary to Each Other ” With Thomas Fuss (CTO) and Elliott Haralambous (Global Strategic Partnerships and Alliances Lead) from Backbase
While flawless customer experience seems to be more naturally aligned with new-grown Fintechs rather than incumbent banks, some solutions venture to bridge the gap between complex infrastructures and modern user-centric processes. Join Annika and Nora in this episode with Thomas Fuss and Elliott Haralambous from Backbase, the frontrunner in the digital banking engagement platform space, on how to introduce modern customer journeys on top of legacy technology to fuel the ambition in architecting banking around the customers.
41:03 12/08/2021
“How to Build a Bank from Scratch” with Thomas Hilgendorff, CEO and Co-Founder of Yapeal
Personalized IBANs, biweekly feature releases, a special banking license just for Fintechs, a custom-developed core banking system, 100% cloud-native—what sounds like the future for most incumbent banks is already a reality for Yapeal, the rising star in the Swiss fintech market. Join Annika and Nora on their talk with Thomas Hilgendorff, CEO and Co-Founder of Yapeal, about his story of how a group of 12 experienced bankers ventured to join the international competition of challenger banks. At Yapeal, they rethink what customer-centric banking can look like in the digital world of the future.
28:45 11/24/2021
„How to be at the Forefront of Innovation in the Institutional Crypto Space” – With Henrik Gebbing, Co-Founder & Co-CEO of Finoa
When talking about the crypto market, there are similarities to the traditional finance one. However, it is barely a “the winner takes it all” market, which provides opportunities for everyone to grow. Nevertheless, ten years in the future, crypto native players will have outperformed traditional banks. Therefore trust is required for Fintechs such as Finoa, a regulated Digital Asset Platform for institutional investors, to scale and capture incumbents’ market share by building a relationship with the customers to provide professional services as a regulated financial institution. But how to target such an ambivalent and ambitious goal? Listen to this episode with Henrik Gebbing, Co-Founder & Co-CEO of Finoa, about how to combine being regulated, being trustworthy but still being at the forefront of innovation in the crypto space.
35:43 11/02/2021
“About Germany’s First Crypto Saving Plans and the Pioneering Role of the Country in the Blockchain Regulation“ with Philipp Beer, Chief Growth Officer at Nuri
Hardly any other neobank is growing as fast as Nuri, formerly named Bitwala. Trying out some roads not taken yet by other mainstream providers. Nuri offers the world's first banking service that combines a full German bank account with access to cryptocurrencies, digital assets and blockchain-based financial services. But what is their secret recipe for success? Listen in to this episode with Nuri’s Chief Growth Officer Philipp Beer where he shares insights about Nuri's crypto saving plans, the pioneering role of Germany in the field of crypto regulation and how to combine technologies as a competitive advantage.
27:09 10/19/2021
“Payaut’s Tech Stack Transformation Enables Marketplace Payments at Scale” with Simon Hall, CTO of Payaut
In this episode we introduce you to a niche fintech that successfully rides on the platform economy wave: The Amsterdam-based Payaut offers payment services to small and medium sized marketplaces. Listen in to learn from their CTO Simon Hall, former Chief IT Architect at BCG Platinion, what Payaut’s value proposition looks like, why they designed their technology platform the way they did, and how they balance automation and regulation.
34:22 09/28/2021
“What Incumbent Banks can Learn from Fintechs” with Jürgen Eckel, Ludger Küpper and Boris Stoff (Managing Directors of BCG Digital Ventures and BCG Platinion)
Observing the latest funding rounds and market values, it appears that successful Fintechs are rapidly catching up with incumbent banks. While what we currently observe is just the tip of the iceberg, the rate of change and the rate of growth in the Fintech space is going to continue. How does it affect the banking sector? And what can incumbent banks learn from those Fintechs? Join the latest episode with Jürgen Eckel (Partner and Managing Director, BCG Digital Ventures), Ludger Küpper (Managing Director and Head of Financial Institutions Practice Area, BCG Platinion) and Boris Stoff (Managing Director, BCG Platinion) on the discussion on what enables banks to stay at the forefront of driving technology and change fast enough to fulfill both customer and regulatory requirements.
40:33 09/14/2021
“The Future Is Decentralized” with Peter Grosskopf, Co-Founder/CTO of Stealth Decentralized Finance Company (Part 2)
In our second episode with him, our guest Peter Grosskopf, one of the leading crypto and fintech experts, shares his perspective on how distributed ledger technologies will impact the future of financial services. If you’ve ever looked for a simple explanation for decentralized finance and the blockchain, listen in now and impress your grandma later.
34:56 08/31/2021
“Why Upvest Considers the Licensing Process as a Chance for Their Full-Stack Investment Offering” with Tobias Auferoth, CFO of Upvest
Full-stack investment offerings with a scope similar to incumbent banks are still rare in the European banking landscape. The German-based fintech Upvest has just positioned themselves in that niche with their "Investment as a service" offering. In parallel, they are just in the process of applying for a full securities trading bank license. Keen to learn how they consider regulation as a chance, and how they've built their cloud-based investment platform? Join Annika and Nora on this episode with Tobias Auferoth, CFO of Upvest, to get to know the process of obtaining a banking license and what advantages this brings to a Fintech.
27:02 08/17/2021
“How the Latest German Fintech Unicorn Plans to Stay Ahead of Competition” with Dr. Jörg Howein, Chief Product Officer of Solarisbank
Migrating core banking systems is a topic that may give you a headache before you even start getting into it. But what if you already would have been part of it without knowing? Germany’s latest fintech unicorn Solarisbank just demonstrated how to smoothly transition from a monolithic to a self-built modular core without its end customers even noticing. Want to find out how? Listen in to this episode with Dr. Jörg Howein, CPO at Solarisbank, in which he shares about the details and gives you a sneak preview into how Solarisbank plans to stay at the forefront of its clients’ needs.
30:37 08/04/2021
“Everyone Should Be Able to Fulfill Their Financial Potential” with Jurek Herwig, Co-Founder and CTO of
In the race to provide the best and simplest user experience ever, financial services still offer a promising playground for start-ups. Digital finance offerings are more popular than ever— is well on the way to becoming one of them. With its ambition to offer a holistic, mobile-based financial coach, they are likely to be one of the most promising fintechs in the German market. Join us as we talk to Jurek Herwig, Co-Founder and CTO, about his vision, the characteristics of a modern banking IT architecture, and his ambitions for the future.
25:38 07/21/2021
“How to Build a Great Fintech” with Peter Grosskopf, Co-Founder/CTO of Stealth Decentralized Finance Company (Part 1)
He is one of Germany’s leading crypto and fintech experts and is about to launch a promising decentralized finance (DeFi) start-up: Peter Grosskopf, former CTO of Börse Stuttgart Digital Exchange and Solarisbank. In this episode, we talk about his previous experiences and challenges as CTO of a fintech. Join us as Peter shares the lessons he learned on leading high-performing tech teams and find out how “compliance by design” plays a central role in this
28:44 07/21/2021
Meet your hosts
A warm welcome to this first season by our hosts! Meet Annika, Manager, and Nora, Senior Consultant from the Financial Institutions Practice at BCG Platinion. The two fintech and neobank experts host the Fintech and Digital Banking Podcast, in which they talk with handpicked tech and banking experts about how technology will transform the financial services industry. Learn more about Annika and Nora: Learn more about BCG Platinion:
03:53 07/20/2021