“I wouldn’t start a neobroker today” – Which fintech business models still work

André Bajorat has been at home in the German digital economy for almost 25 years. In recent years, he has closely followed the German fintech scene and is considered an expert in the industry.

Payment and Banking, Collage: Startup Scene

The German fintech market has undergone significant changes in recent years – from a risk-taking, hyped environment to a significantly more mature, professional ecosystem. Many consumer-oriented B2C models have failed, while business models with clear monetization are increasingly gaining ground.

Investors today are more cautious and demand faster, visible results. We examined the latest developments in the first part of our article together with fintech expert André Bajorat.

Long storytelling no longer works

As one of the most influential minds in the German fintech scene, with over 25 years of experience and as the former CEO of the financial startup Figo, he has significantly shaped the digital financial world. He is also the founder of the fintech portal "Payment and Banking" and is considered an expert in the industry. Now we want to look into the future with him. What's next for the fintech market?