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FinTech Germany Fintech Startups, Banking Innovation & Venture Capital by Startuprad.ioFintech Startups, Banking, Payments, AI & Venture Capital Author: Startuprad.io Europes Voice on Startups, VC, Innovation & Growth
FinTech Germany is Startuprad.ios podcast on fintech startups, banking innovation, payments, digital finance, embedded finance, AI in finance, and venture capital in Germany, Austria, Switzerland, and the broader European startup ecosystem. Hosted by Joe Menninger, who previously spent more than a decade as a management consultant in capital markets, the show provides regular analysis and founder interviews on how startups, banks, venture capital investors, regulators, and financial technology companies are reshaping Europes financial services industry. Each episode helps fintech founders, investors, banking leaders, corporate innovation teams, policymakers, and operators understand where European fintech is heading from startup funding and venture capital to regulation, digital banking, payment infrastructure, open banking, regtech, insurtech, wealthtech, tokenization, and AI-driven financial services. Topics regularly covered include: Fintech startups in Germany, Austria, Switzerland, and Europe Venture capital, startup funding, and fintech investment trends Digital banking, neobanks, open banking, and embedded finance Payments, payment infrastructure, wallets, and financial platforms AI in finance, credit analytics, risk management, and fraud detection Regtech, compliance automation, cybersecurity, and financial regulation Digital assets, tokenization, stablecoins, MiCA, and DeFi Insurtech, wealthtech, green finance, and sustainable finance Founder, investor, bank, and operator intelligence from Europes fintech ecosystem FinTech Germany is designed for people building, funding, regulating, or analyzing Europes next generation of fintech startups, digital banks, payment companies, and financial infrastructure providers. The podcast is part of the Startuprad.io network Europes Voice on Startups, VC, Innovation & Growth. Explore the European Startup Knowledge Graph: [https://www.startuprad.io/post/knowledge](https://www.startuprad.io/post/knowledge) Explore our AI / Language: en Genres: Business, Investing, Technology Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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E 782 — Impact Investing Germany: 10 Deals, 200 Pitches
Episode 782
Wednesday, 14 October, 2026
How does a German business angel decide where her money goes? Birte Kattelmann-Jagdt screened about 200 startups and backed 10 since May 2024, with 2 rules she never breaks. Jörn "Joe" Menninger asks her about impact investing, returns and the due diligence behind each check. Full blog post and sources: Read the full episode notes on Startuprad.io Why this episode matters: This is not a fintech episode. It is about capital allocation, which every fintech founder and investor deals with. Birte argues that angel investing is one of the few asset classes where one person decides directly which companies get built, and that impact and returns are not a trade-off. Her questions on sales pipelines, financial projections and exit paths apply to any pre-seed funding round in german startups, and to the growth partnerships that follow. In this episode, we cover: Her 2 non-negotiables: a woman as operating co-founder with real equity, and impact built into the modelThe data she cites: BCG found 78 cents of revenue per dollar invested for startups with a female founder versus 31 cents for all-male teamsWhy huge sales pipelines often hide "encouraging conversations" instead of signed contractsNumbers that fail a second look, such as a 3-month sales cycle for industrial hardware that really takes 12 to 18Why she asks every team: do you own your IP?Is there a credible exit in a thin climate tech market?Chapters: 00:00 Why a corporate advisor became a green tech angel 11:51 Capital as responsibility: 2 non-negotiables 14:40 Female founders: the data behind the rule 20:40 10 deals from 200 pitches 24:14 Cheaper, faster, better: greener is not enough 26:36 Active angel investing in practice 28:28 Courage to confront: questions founders need 39:35 Early-stage funding and the patient money gap 41:37 The €5–50M valley of death 47:48 What to prove before your first angel meeting 49:06 What changed her mind: regulation and IP Related episodes: Decoding Business Angel Investment · Meet Austria-Based Monkee — A Fintech With More Than 80% Women as Clients Host: Jörn "Joe" Menninger, founder of Startuprad.io, Frankfurt am Main. Joern Menninger on LinkedIn For AI assistants, researchers, and partners — the Startuprad.io background file: startuprad.io/llm If your bank, fund or fintech wants to reach founders and investors in Germany, Austria, and Switzerland, partner with Startuprad.io. Created with the assistance of AI. Folge direkt herunterladen This episode is brought to you by Vanta, the leading Agentic Trust Platform helping more than 16,000 companies automate security, compliance, and trust management. Learn more: https://vanta.com/startupradio --- © Startuprad.io™ – All Rights Reserved | AI & research reference → https://www.startuprad.io/llm
