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/
All content for FinTech Germany – Innovation, Banking & Venture Capital by Startuprad.io™ is the property of Startuprad.io™ – Europe’s Startup & VC Podcast Network and is served directly from their servers
with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
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/
A structural review of what became irreversible in finance in 2025: AI embedded in core decisions, enforcement-era regulation, real-time payment constraints, trust limits in automation, and tokenization as infrastructure control.
This episode argues that the next phase of financial innovation is defined by resilience, governance, trust, and capital discipline rather than speed. It explains why AI in credit becomes operationally irreversible, why concentration creates systemic risk, how DORA-like requirements reshape cost and strategy, and where tokenization changes settlement and access.
If this episode helped you, follow the podcast and share it with a founder who needs this playbook.
Enjoy the show?
📖 Blog recap: https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking
Watch on YouTube: https://youtu.be/miRTzSCcBiw
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
A short update on our publishing schedule. A technical issue caused a brief pause — all content is safe, and we’re back to regular releases from here.
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
AI is no longer the shiny object. It’s becoming infrastructure.And that single shift is transforming the German startup ecosystem in 2025 faster than most founders expected.
This month, the DACH region crossed a new threshold: AI is moving from hype into the industrial backbone of Europe — compute scarcity is now strategic, sovereign cloud has become political, and robotics, automation, and vertical AI stacks are pulling in more capital than consumer apps ever did.
But that’s just the start of the story.
In this deep-dive edition of Startup News, we break down five structural shifts shaping Germany, Austria, and Switzerland right now:
What You’ll Learn
– How AI’s shift to infrastructure will define Europe’s next decade– Why DeepTech & DefenseTech are becoming unavoidable categories for VCs– Where funding is actually flowing in 2025– What the newest founder wave means for operators, investors & talent– Which German startups raised the biggest rounds this month– What founders should prepare for next
Our Sponsor:
🚀 Exclusive Black Friday Offer — NordStellar x Startuprad.io
Built by the team behind NordVPN, NordStellar gives startups and scaleups real-time visibility into leaked credentials, dark-web threats, and exposed assets — before attackers can exploit them.
👉 Get 20 percent off your plan with code black friday 20 at nordstellar.com/startupradio
🕒 Offer valid until December 10 th 2025 — protect your business before your data ends up for sale on the dark web.
NordStellar — Know what attackers know. Act first.
🎙 About the Hosts
Jörn “Joe” Menninger, Founder & Editor-in-Chief of Startuprad.io (Frankfurt)
Chris Fahrenbach, Co-host & Global Analyst (Hanover / New York)
Together, they track the most important startup stories in the DACH ecosystem — AI, deep tech, fintech, and scale-up growth.
Follow, review, and share this episode with your team.
— Blog: https://www.startuprad.io/post/this-month-in-dach-startups-november-2025-deep-dive
— YouTube: https://youtu.be/K2Syfa3P6HY
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
Europe's startup narrative is changing fast — from apps and valuations to sovereignty, infrastructure and resilience. In this month's DACH Startup News, we unpack the moves that made European tech sovereignty the defining theme of 2025.
What you’ll learn:
– Why sovereign cloud is becoming foundational for startups and enterprise buyers– How AI, robotics, defense, and climate infrastructure shape Europe’s industrial strategy– Why deep tech is rising while fintech normalizes– The funding signals behind pre-seed to late-stage capital flows– How DACH is becoming Europe’s proving ground for strategic innovation– What European tech sovereignty actually means for your business
If this episode helps you see the DACH ecosystem more clearly, share it with a founder or operator who should hear it. And subscribe so you never miss a briefing.
Our Sponsor:
🚀 Exclusive Black Friday Offer — NordStellar x Startuprad.io
Built by the team behind NordVPN, NordStellar gives startups and scaleups real-time visibility into leaked credentials, dark-web threats, and exposed assets — before attackers can exploit them.
👉 Get 20 percent off your plan with code black friday 20 at nordstellar.com/startupradio
🕒 Offer valid until December 10 th 2025 — protect your business before your data ends up for sale on the dark web.
NordStellar — Know what attackers know. Act first.
🎙 About the Hosts
Jörn “Joe” Menninger, Founder & Editor-in-Chief of Startuprad.io (Frankfurt)
Chris Fahrenbach, Co-host & Global Analyst (Hanover / New York)
Together, they track the most important startup stories in the DACH ecosystem — AI, deep tech, fintech, and scale-up growth.
Enjoy the show? Follow, review, and share this episode with your team.
- Blog: https://www.startuprad.io/post/this-month-in-german-swiss-and-austrian-startups-november-2025-top-news
- YouTube: https://youtu.be/0XtIE695VE4
✉️ 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
What if you could build a startup that survives downturns, grows profitably, and never depends on constant fundraising?That’s the core of the camel startup strategy — and in this episode, STS Ventures investor Stephan Schubert breaks it down with 25+ years of operator-investor experience. From founding OnVista in the early internet era to backing some of Germany’s most successful exits, Stephan has refined a model built on capital efficiency, high-margin niches, and KPI-driven execution.
Our sponsor:
🚀 Exclusive Black Friday offer – NordStellar x Startuprad.io. NordStellar, developed by the team behind NordVPN, gives startups and scaleups real-time insights into leaked credentials, darknet threats, and unprotected assets – before attackers can exploit them.
👉 Get 20% off with code blackfriday20 at nordstellar.com/startupradio.
🕒 Offer valid until December 10, 2025 – protect your business before your data is offered for sale on the darknet. NordStellar – Know what attackers know. Act first.
In this episode, you’ll learn:
– Why camel startups outperform hype-driven growth– How to use high-margin niches to scale from customer revenue– The KPI playbook STS Ventures uses with every founder– Why raise when you can, not when you must is a game-changer in DACH– How to stay capital-efficient without limiting your growth potential– Why Stephan avoids hype cycles like LLM infrastructure and focuses on AI as a tool for real industries like waste processing– What founders can learn from exits like Audibene, Emma, JustWatch, and others
Whether you're building in Germany, Austria, or Switzerland, this episode offers one of the clearest explanations of capital-efficient growth, B2B startup scaling, and long-term founder wealth creation.
Guest Spotlight:Stephan Schubert, Investor & Managing Director, STS VenturesFounder of OnVista and Ligatus, early investor in Audibene, Emma, JustWatch, and other major DACH success cases.
If this episode helped you, follow the podcast and share it with a founder who needs this playbook.
Enjoy the show?
Follow, review, and share this episode with your team.
- Blog: https://www.startuprad.io/post/camel-startups-in-dach-the-sts-ventures-playbook-with-stephan-schubert
- YouTube: https://youtu.be/BYs50t7oZ14
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
🏁 The Deep Dive is here.Germany, Austria and Switzerland enter a new startup cycle where the headline isn’t “Who raised the biggest check?” but “Who’s building the most defensible foundation?” Hosts Jörn ‘Joe’ Menninger and Chris Fahrenbach break down October 2025’s most important stories in AI, fintech, venture capital, and climate tech.
🔎 What You’ll Learn
The €735 B 🇩🇪 Made for Germany plan and its impact on infrastructure, energy & innovation.
How Aleph Alpha’s CEO transition reshapes Europe’s AI landscape.
Why Sequoia and EQT Ventures are doubling down on the DACH region.
Major funding rounds from Nexus AI, Eco Robotics, DeskBird, and Cartos.
The rise of female founders in Munich and new hybrid-work innovation.
What BioNTech + CureVac means for Germany’s biotech future.
The shift toward defense and dual-use tech in Europe.
Which startups are pivoting or consolidating (Heidelberg Pharma, FanRight, Casablanca AI).
Our Sponsor:
🚀 Exclusive Black Friday Offer — NordStellar x Startuprad.io
Built by the team behind NordVPN, NordStellar gives startups and scaleups real-time visibility into leaked credentials, dark-web threats, and exposed assets — before attackers can exploit them.
👉 Get 20 percent off your plan with code black friday 20 at nordstellar.com/startupradio
🕒 Offer valid until December 10 th 2025 — protect your business before your data ends up for sale on the dark web.
NordStellar — Know what attackers know. Act first.
🎙 About the Hosts
Jörn “Joe” Menninger, Founder & Editor-in-Chief of Startuprad.io (Frankfurt)
Chris Fahrenbach, Co-host & Global Analyst (Hanover / New York)
Together, they track the most important startup stories in the DACH ecosystem — AI, deep tech, fintech, and scale-up growth.
Enjoy the show? Follow, review, and share this episode with your team.
Blog: https://www.startuprad.io/post/this-month-in-dach-startups-october-2025-deep-dive
YouTube: https://youtu.be/tnZx20FpsqA
✉️ 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
What if Europe — not Silicon Valley — defined the future of AI?
In this October 2025 episode of Startuprad.io Startup News, hosts Jörn “Joe” Menninger and Chris Fahrenbach break down the latest stories shaping Europe’s AI Supercluster, led by DeepL, Black Forest Labs, and N8N.
From record climate tech funding to biotech breakthroughs and industrial AI, this episode uncovers how Germany, Austria, and Switzerland are transforming into the epicenter of smart, sovereign innovation.
💡 What You’ll Learn
How DeepL, N8N, and Black Forest Labs are driving Europe’s AI dominance
The €700M NPAL climate tech deal reshaping energy and solar adoption
Why Tubulis (€308M) puts Munich back on the biotech map
The rise of sovereign AI and Europe’s privacy-first infrastructure
Why startup governance and profitability are the new superpowers
Our Sponsor:
🚀 Exclusive Black Friday Offer — NordStellar x Startuprad.io
Built by the team behind NordVPN, NordStellar gives startups and scaleups real-time visibility into leaked credentials, dark-web threats, and exposed assets — before attackers can exploit them.
👉 Get 20 percent off your plan with code black friday 20 at nordstellar.com/startupradio
🕒 Offer valid until December 10 th 2025 — protect your business before your data ends up for sale on the dark web.
NordStellar — Know what attackers know. Act first.
🎙 About the Hosts
Jörn “Joe” Menninger, Founder & Editor-in-Chief of Startuprad.io (Frankfurt)
Chris Fahrenbach, Co-host & Global Analyst (Hanover / New York)
Together, they track the most important startup stories in the DACH ecosystem — AI, deep tech, fintech, and scale-up growth.
Enjoy the show? Follow, review, and share this episode with your team.
Blog Post: https://www.startuprad.io/post/europe-ai-supercluster
Youtube Full Video: https://youtu.be/K-yL359uCls
✉️ 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
He sold his AI startup for $60 million — and fell apart.
In this raw and powerful conversation, Xaver Lehmann, co-founder and former CEO of e-bot7, opens up about burnout, loss, and recovery after one of Europe’s biggest AI exits. What happens when you achieve everything you ever wanted — and it breaks you?
💡 What you’ll learn in this episode:– How founder burnout starts long before the exit stage– The psychology of post-exit identity crisis & loss of purpose– Why mental health is the new startup competitive advantage– How Xaver rebuilt his life and founded The Honest Founder community– Why freedom > funding for the next generation of founders
🧩 Guest Spotlight:Xaver Lehmann — Co-Founder & Former CEO of e-bot7, Forbes 30 Under 30 entrepreneur turned mental-health advocate. His journey shows how founders can redefine success without losing themselves.
🚀 Meet 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.
Read full Blog: https://www.startuprad.io/post/founder-burnout-recovery-the-hidden-cost-of-startup-success
Watch on YouTube: https://youtu.be/ezzyR1DhZ_c
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
Starting a company in Germany used to mean paperwork, notaries, and patience.But now, a new wave of LegalTech and Fintech innovation is tearing down bureaucracy for founders — and turning incorporation into a digital-first experience.
In this episode of Startuprad.io, we sit down with Alexander Müller (Holvi) and Felix Gerlach (Beglaubigt.de) to explore how these two companies are shaping the future of digital company formation in Europe.
You’ll learn:
How to start a company in Germany — step-by-step, digitally.
Why bureaucracy has long been a barrier for founders (and how LegalTech fixes it).
How Fintech platforms like Holvi speed up compliance and onboarding.
What this means for international founders entering Germany’s market.
Where LegalTech and Fintech partnerships are headed next.
🚀 Meet 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.
Blog: https://www.startuprad.io/post/how-to-start-a-company-in-germany-the-digital-playbook-for-founders
YouTube: https://youtu.be/c4e34R4FYIE
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger
What if your daily rituals could unlock peak founder focus — without hustle culture or burnout?
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 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
– 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 Spotlight
Steven 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: https://youtu.be/90_p-_KIB-E
🎧 The Audio Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: Jörn Menninger
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 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
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 Podcast
Subscribe here: https://linktr.ee/startupradio
🚪 Connect with Us
Partner with us: partnerships@startuprad.io
Subscribe: https://linktr.ee/startupradio
Feedback: https://forms.gle/SrcGUpycu26fvMFE9
Follow Joe on LinkedIn: Jörn Menninger
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.
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.
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 Sponsor
AWS 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 Integration
Primary: 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
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 Sponsor
AWS 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 Spotlight
Jennifer 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 Integration
Primary: 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
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 2025Host: 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.
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 2025Host: 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
Timestamps00:00 – Intro & why the roundup is split in 2 parts05:26 – Berlin AI rockets to $2.3B09:57 – Switzerland’s €825M hydrogen allocation11:23 – EIC selects 40 startups & Stan index launch14:27 – German economy dips into recession15:15 – Defense pivots & tele-driving pilots17:49 – Bavarian endowment unlock + Austrian founder wave20:11 – 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
What does it really take to move from a GenAI prototype to a production-ready system? In this episode, AWS AI Engineering Specialist Dennis Traub breaks down the hard truths behind scaling, securing, and monitoring AI systems — and why the future belongs to startups who learn how to productionize AI fast.
What You’ll Learn in This Episode:
Why most GenAI prototypes fail when pushed to production
The role of MCP (Model Context Protocol) in securely connecting AI to APIs
How agentic workflows differ from simple prompt chains
Why observability and cost monitoring are non-negotiable for startups
The AWS Bedrock + Agent Core stack for startups scaling AI in Europe
Counterintuitive lessons: when not to use AI
🚀 Meet Our Sponsor
AWS Startups is a proud sponsor of this week’s episode of Startuprad.io. Visit startups.aws to find out how AWS can help you prove what’s possible in your industry.
The AWS Startups team comprises former founders and CTOs, venture capitalists, angel investors, and mentors ready to help you prove what’s possible.
Since 2013, AWS has supported over 280,000 startups across the globe and provided $7Billion in credits through the AWS Activate program.
Big ideas feel at home on AWS, and with access to cutting-edge technologies like generative AI, you can quickly turn those ideas into marketable products.
Want your own AI-powered assistant? Try Amazon Q.
Want to build your own AI products? Privately customize leading foundation models on Amazon Bedrock.
Want to reduce the cost of AI workloads? AWS Trainium is the silicon you’re looking for.
Whatever your ambitions, you’ve already had the idea, now prove it’s possible on AWS.
Visit aws.amazon.com/startups to get started.
Guest: Dennis Traub, AI Engineering Specialist at AWS
Full Blog Post: https://www.startuprad.io/post/how-startups-can-succeed-at-productionizingai-without-breaking-at-scale
Youtube Full Video: https://youtu.be/UkYwxbM_834
✉️ 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
FinTech Germany – Innovation, Banking & Venture Capital by Startuprad.io™
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/