FinTech Germany – Innovation, Banking & Venture Capital by Startuprad.io™

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FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future. From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digital assets, green finance, and AI-driven compliance. Each episode translates complex financial-tech topics into clear insights for founders, investors, and corporate innovators. Whether you work in venture capital, financial services, or fintech policy, you’ll gain first-hand perspectives on how Europe’s financial ecosystem evolves amid regulatory change and technological disruption. We feature leading fintech CEOs, VC partners, bank executives, and regulators who discuss what it takes to scale responsibly while innovating within Europe’s financial frameworks. The podcast unpacks key themes including: • Fintech funding trends and VC activity across Germany and Europe • Open banking and payment innovation (API economy) • Digital assets, tokenization, and MiCA regulation • AI in finance — risk management and credit analytics • Sustainable finance and green investments • RegTech, compliance automation, and cybersecurity Our mission is to connect financial technology with entrepreneurship, bridging startup agility and institutional expertise. Each conversation provides context on how venture capital, policy, and innovation intersect to shape the continent’s fintech landscape. FinTech Germany is part of the Startuprad.io™ Network, which includes Blockchain Germany, Deep Tech Germany, Security Startups Germany, and German Startup News. Collectively, the network reaches over one million annual streams and ranks among the global top 0.5 % of podcasts, trusted by founders, VCs, and corporate leaders across Europe and beyond. 🔹 Topics we explore: fintech startups, digital banking, venture capital, payment innovation, embedded finance, regulation, green finance, DeFi, and Europe’s financial ecosystem. 🔍 Explore more from the Startuprad.io Network: • Blockchain Germany Podcast • Deep Tech Germany Podcast • European Startup Pulse • Security Startups Germany • Female Entrepreneurship Podcast 💌 Subscribe for insider updates: https://startupradio.substack.com/ 🌐 Discover all links & platforms: https://linktr.ee/startupradio 📰 Read our blog & show notes: https://www.startuprad.io/blog/

  1. Flow State Rituals for Founders: Deep Work, Distraction Hacks & AI Focus

    5 DAYS AGO

    Flow State Rituals for Founders: Deep Work, Distraction Hacks & AI Focus

    In this episode, Steven Puri, CEO of The Sukha Company and former Hollywood VFX executive (Independence Day, Godzilla, Transformers Prime), shares the rituals, behavioral frameworks, and AI-powered systems he uses to help founders reach deep work in distraction-heavy environments. Steven’s journey from blockbuster sets to startup leadership reveals how flow state rituals can transform founder performance. 🚀 Meet Our SponsorEXCLUSIVE NordVPN offer ➼ https://nordvpn.com/startuprad Try it now for 30 days completely risk-free with a money-back guarantee!   To get the best discount on your NordVPN subscription, just head over to nordvpn.com/startuprad. And here’s the kicker — with our link, you’ll get four extra months on the two-year plan. Totally risk-free, because you’ve got the 30-day money-back guarantee. And of course, you’ll find that link right in the episode description. 💡 What You’ll Learn– How to use environmental & sound triggers to engineer daily flow – Behavioral nudges that increased productivity by 77% – Why bootstrapping vs VC discipline changes product quality – How AI productivity assistants will personalize founder workflows – Why empathy & resilience outperform hustle culture for long-term success 👤 Guest SpotlightSteven Puri, CEO of The Sukha Company, blends Hollywood rigor with startup agility. He shares real-world frameworks founders can apply tomorrow to unlock focus, structure, and sustainable output. Blog: https://www.startuprad.io/post/flow-state-rituals-for-founders YouTube: Watch now 🎧 The Audio PodcastSubscribe here: https://linktr.ee/startupradio 🚪 Connect with UsPartner with us: partnerships@startuprad.io Subscribe: https://linktr.ee/startupradio Feedback: https://forms.gle/SrcGUpycu26fvMFE9 Follow Joe on LinkedIn: Jörn Menninger

    48 min
  2. Flow State for Startup Founders: Deep Work That Actually Ships

    9 OCT

    Flow State for Startup Founders: Deep Work That Actually Ships

    Steven Puri, co-founder/CEO of Sukha, shares the flow state for startup founders playbook: body doubling, the coffee-shop effect, chronotype time-blocking, demo-first standups, and outcome-based leadership. You’ll learn how to beat the 22-minute context switching tax, design deep-work rituals for remote teams, and build a best-idea-wins culture that ships. 🚀 Meet Our SponsorEXCLUSIVE NordVPN offer ➼ https://nordvpn.com/startuprad Try it now for 30 days completely risk-free with a money-back guarantee!   To get the best discount on your NordVPN subscription, just head over to nordvpn.com/startuprad. And here’s the kicker — with our link, you’ll get four extra months on the two-year plan. Totally risk-free, because you’ve got the 30-day money-back guarantee. And of course, you’ll find that link right in the episode description. What you’ll learn How ambient accountability outperforms solo willpower Practical body doubling setups for founders & remote teams Timer methods to defeat context switching Scheduling deep work around your chronotype Why demo-first standups accelerate shipping Guest: Steven Puri — Co-founder & CEO, Sukha Blog: https://www.startuprad.io/post/flow-state-for-startup-founders-the-complete-deep-work-playbook YouTube: https://youtu.be/H9He13RyJ00 🎧 The Audio PodcastSubscribe here: https://linktr.ee/startupradio Spotify Apple Podcasts Castbox Good Pods 🚪 Connect with UsPartner with us: partnerships@startuprad.io Subscribe: https://linktr.ee/startupradio Feedback: https://forms.gle/SrcGUpycu26fvMFE9 Follow Joe on LinkedIn: Jörn Menninger

    51 min
  3. German Startup News Sept 2025: Deep Tech, VC Surge, Fintech & Big Fundings

    6 OCT

    German Startup News Sept 2025: Deep Tech, VC Surge, Fintech & Big Fundings

    In this September 2025 wrap-up, hosts Jörn “Joe” Menninger and Chris Fahrenbach break down the signals that actually matter for B2B operators: where capital is flowing, how deep tech is commercializing, and what shifting regulatory winds mean for product, go-to-market, and hiring. Expect fast, factual coverage of German startups, Swiss and Austrian scaleups, and the European cross-currents driving strategy in AI, climate, fintech, and SaaS. Our Sponsor“EXCLUSIVE NordVPN offer ➼ https://nordvpn.com/startuprad Try it now for 30 days completely risk-free with a money-back guarantee!”   What you’ll learn in this episode: VC & leadership: New funds in Germany and leadership changes at HTGF—what it telegraphs for seed/early stage in DACH. Deep tech momentum: Germany’s first brain-inspired AI chip (testing abroad), plus quantum comms from QT Labs hitting a NASA spacecraft—why this matters for dual-use and AI hardware roadmaps. Green tech storage: Austria’s salt-based, long-duration energy storage initiative and how it ties into grid integration economics. Fintech shifts: Bitpanda revenue surge and Gen-Z finance via Bling + Finstep—who gains share next. Market & regulation: Uber consolidates in Germany; Doctolib faces scrutiny—platform power, patient data, and policy risk in practice. Deals & fundings: A slate of €10M–€100M+ rounds (Talon One, Q.ANT, MakerSite, Buena, and more), plus M&A (Scanbot SDK; Lemon Markets pending BaFin). SeptNews02_sound 🎙 Hosted by Jörn “Joe” Menninger (Founder & Editor-in-Chief, Startuprad.io) and Chris Fahrenbach (Co-Founder). Enjoy the show? Follow, review, and share this episode with your team. Blog Post: https://www.startuprad.io/post/this-month-in-german-swiss-and-austrian-startups-september-2025-deep-dive Youtube Full Video: https://youtu.be/liuKkoOKy6c ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8 💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger Primary keywords: German startups; DACH startup news; venture capital Germany; deep tech Europe; AI chip Germany; funding rounds Europe; B2B SaaS Europe. Secondary keywords: quantum communications; green tech storage; fintech Europe; autonomous driving EU; ESG compliance EU; startup exits Germany; mobility startups Germany.

    29 min
  4. German Startup News Sept 2025: $2.3B AI Unicorn, N26 Crisis & Climate Tech

    2 OCT

    German Startup News Sept 2025: $2.3B AI Unicorn, N26 Crisis & Climate Tech

    Berlin’s AI unicorn skyrocketed from $350M to $2.3B in valuation in just months. Meanwhile, fintech giant N26 faces its most severe governance crisis yet, as its co-founder CEO steps down after regulatory pressure. And Europe’s climate tech sector is booming with mega-funding rounds, including a record €825M hydrogen allocation. This is your September 2025 Startup News from Germany, Austria, and Switzerland — the most important startup, VC, and tech developments you need to know as a founder, investor, or executive. Our Sponsor“EXCLUSIVE NordVPN offer ➼ https://nordvpn.com/startuprad Try it now for 30 days completely risk-free with a money-back guarantee!”   To get the best discount on your NordVPN subscription, just head over to nordvpn.com/startuprad. And here’s the kicker — with our link, you’ll get four extra months on the two-year plan. Totally risk-free, because you’ve got the 30-day money-back guarantee. And of course, you’ll find that link right in the episode description.” What you’ll learn in this episode: – How Berlin’s N8N AI startup became a $2.3B unicorn in record time – Why N26 is in turmoil after a BaFin audit revealed compliance gaps – Europe’s hydrogen and climate tech surge led by Climeworks & Orange Bat – Insights on German recession signals and founder cost advantages in Dresden, Leipzig, Bremen – Policy shifts: remote driving pilots, defense innovation funding, and Bavaria unlocking VC capital – Why Austria is experiencing a founder wave and how Pinterest chose Zurich for its new AI hub 🎙 Hosted by Jörn “Joe” Menninger (Founder & Editor-in-Chief, Startuprad.io) and Chris Fahrenbach (Co-Founder). 👉 Whether you’re a startup founder, VC, or ecosystem builder, this episode gives you the context, numbers, and insights shaping Europe’s innovation economy. Blog Post: https://www.startuprad.io/post/this-month-in-german-swiss-and-austrian-startups-september-2025-top-news Youtube Full Video: https://youtu.be/KVt4N-OpGw8 ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8 💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger Primary keywords: German startup news, AI startups, venture capital Germany, climate tech Europe, startup news DACH, SaaS Germany. Secondary keywords: fintech crisis, German recession, European innovation council, autonomous driving Germany.

    22 min
  5. Agentic AI for SaaS: Multi-Agent Playbooks, Pricing Agents & EU AI Act Trust

    18 SEPT

    Agentic AI for SaaS: Multi-Agent Playbooks, Pricing Agents & EU AI Act Trust

    Dashboards don’t decide. Agents do. In this episode of Startuprad.io, we sit down with Jennifer Grün, Senior Specialist for Generative AI & ML at AWS, to explore how agentic AI is rewriting the rules of SaaS. Instead of static dashboards and brittle automations, SaaS is moving toward agents that reason, plan, and act—delivering outcomes like churn prevention, dynamic pricing, and ticket resolution. Jennifer explains: – The difference between automation and agentic AI – The 3 ways to ship agents: feature, enabler, or product – High-ROI use cases: pricing optimization, BI anomaly detection, support triage – Why multi-agent marketplaces demand governance and guardrails – How the EU AI Act can be your competitive edge in enterprise sales – Culture-first adoption: AI literacy, AI whisperers, and playgrounds Guest Spotlight: Jennifer Grün, AWS – helping startups navigate the next wave of AI adoption, balancing compliance, scale, and growth. By 2028, Gartner predicts 15% of business decisions will run fully on autopilot. Founders who adapt now will own the SaaS future. 🚀 Meet Our SponsorAWS Startups is a proud sponsor of this week’s episode of Startuprad.io. Visit to find out how AWS can help you prove what’s possible in your industry: https://aws.amazon.com/startups?trk=ef3fc285-093c-49eb-b3df-eb3247352b67&sc_channel=el Full Blog Post: https://www.startuprad.io/post/agentic-ai-for-saas-workflows Youtube Full Video: https://youtu.be/27E6N4j2bYY If this episode gave you a new lens on AI pricing, share it with a founder who needs to hear it. Follow Startuprad.io on Spotify, subscribe on Apple Podcasts, and join our blog + newsletter for full breakdowns. ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8 💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger 🔑 Keyword IntegrationPrimary: agentic AI for SaaS, multi-agent systems, pricing optimization agent, startup founders Europe, B2B SaaS growth, EU AI Act compliance Secondary: churn prevention agent, BI & data agents, AI literacy, SaaS outcome ownership

    56 min
  6. AI Monetization Strategy: From POC to Proof of Value with AWS

    11 SEPT

    AI Monetization Strategy: From POC to Proof of Value with AWS

    POC is dead. Proof of Value is the new standard for AI startups. In this episode, AWS’s Jennifer Grün reveals the AI monetization strategy that separates demos from businesses. What You’ll Learn in This Episode: – Why hybrid pricing models (subscriptions + credits) outperform per-seat SaaS in AI – How to replace Proof of Concept with Proof of Value frameworks that deliver ROI fast – The ROI storytelling metrics (CLV, CAC, churn, ARR) that boards and VCs actually believe – The infra levers (batch vs provisioned throughput) that protect GenAI unit economics – How to package compliance features (SSO, audit logs, privacy tiers) for enterprise upsell 🚀 Meet Our SponsorAWS Startups is a proud sponsor of this week’s episode of Startuprad.io. Visit to find out how AWS can help you prove what’s possible in your industry: https://aws.amazon.com/startups?trk=25cdbfe4-8d2e-4b0b-926e-3fe5ef6323cb&sc_channel=el Guest SpotlightJennifer Grün, Senior Specialist for Generative AI & Machine Learning at AWS, works with founders across Europe to monetize AI responsibly. She brings tactical insight from the field: how to price GenAI, validate ROI, and scale without losing margins. Full Blog Post: https://www.startuprad.io/post/ai-monetization-strategy-proof-of-value-hybrid-pricing Youtube Full Video: https://youtu.be/NoTFqAcRc2c If this episode gave you a new lens on AI pricing, share it with a founder who needs to hear it. Follow Startuprad.io on Spotify, subscribe on Apple Podcasts, and join our blog + newsletter for full breakdowns. ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8 💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger 🔑 Keyword IntegrationPrimary: AI monetization strategy, Proof of Value, hybrid AI pricing, AI ROI metrics Secondary: GenAI unit economics, enterprise AI packaging, startup funding Europe, B2B SaaS growth, founder playbook

    1 hr
  7. German Startup Funding, Deep Tech AI, & Fintech M&A – September 2025 News

    4 SEPT

    German Startup Funding, Deep Tech AI, & Fintech M&A – September 2025 News

    What if the next billion-dollar startup was brewing in Berlin, Munich, or Vienna right now? In this episode, we cover the game-changing deals, deep tech breakthroughs, and green innovation stories shaping the DACH startup scene in September 2025. Whether you’re a founder, VC, or ecosystem insider, this is your shortcut to staying ahead in Europe’s most dynamic market. What You’ll Learn 🚀 The biggest venture capital raises across Germany, Austria & Switzerland 🧠 How neuromorphic AI chips and quantum comms are reshaping Europe’s deep tech frontier 💳 Fintech consolidation: Bitpanda’s growth and Bling’s youth finance push 🌱 Green tech milestones from Austria’s salt-based storage to EV wiring solutions ⚕️ Biotech breakthroughs and M&A exits shaping the next health tech wave 📊 Why AI-driven search analytics could disrupt marketing and SEO forever From startup funding in Germany and European venture capital to deep tech AI hardware, fintech M&A, and green tech innovation, this episode is designed to rank high on Spotify and Apple Podcasts for founders and investors looking for cutting-edge insights. Episode: DACH Startup News – Summer Wrap-Up 2025 Host: Joern Menninger, Editor-in-Chief Startuprad.io Blog Post: https://www.startuprad.io/post/dach-startup-news-july-and-august-2025-unicorn-surge-825m-hydrogen-win-fintech-shakeups Youtube Full Video: https://youtu.be/cLO_niJ6wok Timestamps: 00:00 – VC News (€30M+ funds) 02:30 – Deep Tech: brain chips & quantum comms 05:00 – Green Tech: energy storage & EV wiring 06:00 – Fintech: Bitpanda & Bling M&A 09:00 – AI & SaaS analytics 11:30 – Mobility & Auto1 Group 15:00 – Biotech & Health Tech 18:00 – Major fundraising deals (€100M+) 23:00 – M&A: Nect, Scanbot, Lemon Markets 25:30 – Ecosystem trivia + closing notes ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger Primary (in title + description): startup funding, German startups, venture capital Europe, deep tech startups, fintech Europe, green tech, AI search disruption. Secondary (in body + show notes): AI in business, biotech Germany, startup exits.

    29 min
  8. DACH Startup News: Berlin AI Rockets, N26 Shakes & Europe’s Hydrogen Bet

    1 SEPT

    DACH Startup News: Berlin AI Rockets, N26 Shakes & Europe’s Hydrogen Bet

    Berlin’s AI just rocketed from $350M to $2.3B. At the same time, Switzerland locked in €825M hydrogen funding, and N26 faced its toughest governance test yet. This is not Silicon Valley news. This is the DACH region (Germany, Austria, Switzerland) reshaping startup dynamics — and it’s moving fast. In this Startuprad.io Summer Wrap-Up 2025, we unpack: – How Berlin’s open-source workflow AI became a unicorn and why enterprises are buying in now – Why EU hydrogen funding marks a generational climate infrastructure play for startups – What N26’s leadership shake-up under BaFin reveals about fintech governance in Europe – How dual-use pivots (like Lilium’s defense strategy) are becoming survival moves in tough funding markets – Why German tele-driving pilots and Bavarian endowment unlocks are more than policy headlines — they’re startup railways – The rise of Europe’s Stan index (Qwant + Ecosia) and Pinterest’s Zurich AI hub 🎙 Why listen? Because the future of European startups will be shaped at the intersection of technology, regulation, and capital flows. If you’re a founder, operator, or investor, this episode shows where the rails are being laid. What you’ll learn: – The DACH edge in AI: community + open-source + enterprise focus – The real impact of hydrogen billions on startup runway – Fintech’s compliance-first reality check – The overlooked opportunity of dual-use & defense procurement – How to spot policy-driven founder opportunities in Europe 👉 If you learned something here, share this episode with a founder who needs it. Follow us on Spotify, subscribe on Apple, and check the blog for a full breakdown. Episode: DACH Startup News – Summer Wrap-Up 2025 Host: Joern Menninger, Editor-in-Chief Startuprad.io Blog Post: https://www.startuprad.io/post/dach-startup-news-july-and-august-2025-unicorn-surge-825m-hydrogen-win-fintech-shakeups Youtube Full Video: https://youtu.be/iV1Gzz0zy_k Timestamps 00:00 – Intro & why the roundup is split in 2 parts 05:26 – Berlin AI rockets to $2.3B 09:57 – Switzerland’s €825M hydrogen allocation 11:23 – EIC selects 40 startups & Stan index launch 14:27 – German economy dips into recession 15:15 – Defense pivots & tele-driving pilots 17:49 – Bavarian endowment unlock + Austrian founder wave 20:11 – Pinterest opens Zurich AI hub & wrap-up ✉️ Work with us: partnerships@startuprad.io Subscribe across platforms: https://linktr.ee/startupradio 💬 Feedback: https://forms.gle/Qp53eVuc9P1RMqWj8💼 Follow Jörn on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger Primary (title, early description, timestamps): DACH startup news, Berlin AI automation, EU hydrogen funding, German startup ecosystem Secondary (description + show notes): N26 governance, defense tech Europe, tele-driving Germany, Stan index, European AI hub, EIC startup funding

    22 min
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FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future. From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digital assets, green finance, and AI-driven compliance. Each episode translates complex financial-tech topics into clear insights for founders, investors, and corporate innovators. Whether you work in venture capital, financial services, or fintech policy, you’ll gain first-hand perspectives on how Europe’s financial ecosystem evolves amid regulatory change and technological disruption. We feature leading fintech CEOs, VC partners, bank executives, and regulators who discuss what it takes to scale responsibly while innovating within Europe’s financial frameworks. The podcast unpacks key themes including: • Fintech funding trends and VC activity across Germany and Europe • Open banking and payment innovation (API economy) • Digital assets, tokenization, and MiCA regulation • AI in finance — risk management and credit analytics • Sustainable finance and green investments • RegTech, compliance automation, and cybersecurity Our mission is to connect financial technology with entrepreneurship, bridging startup agility and institutional expertise. Each conversation provides context on how venture capital, policy, and innovation intersect to shape the continent’s fintech landscape. FinTech Germany is part of the Startuprad.io™ Network, which includes Blockchain Germany, Deep Tech Germany, Security Startups Germany, and German Startup News. Collectively, the network reaches over one million annual streams and ranks among the global top 0.5 % of podcasts, trusted by founders, VCs, and corporate leaders across Europe and beyond. 🔹 Topics we explore: fintech startups, digital banking, venture capital, payment innovation, embedded finance, regulation, green finance, DeFi, and Europe’s financial ecosystem. 🔍 Explore more from the Startuprad.io Network: • Blockchain Germany Podcast • Deep Tech Germany Podcast • European Startup Pulse • Security Startups Germany • Female Entrepreneurship Podcast 💌 Subscribe for insider updates: https://startupradio.substack.com/ 🌐 Discover all links & platforms: https://linktr.ee/startupradio 📰 Read our blog & show notes: https://www.startuprad.io/blog/

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