In dieser Folge geht es um ein Thema an der Schnittstelle von Finanzwirtschaft und Immobilienbranche, das immer stärker an Bedeutung gewinnt: der Aufbau digitaler Ökosysteme im Bereich Bauen und Wohnen.

Die Immobilienwirtschaft steht vor massiven Transformationsanforderungen – von der energetischen Sanierung über fragmentierte Wertschöpfungsketten bis hin zu steigenden Kundenerwartungen an digitale Services. Gleichzeitig suchen Banken und Finanzdienstleister nach neuen Wegen, ihre Kunden über den klassischen Kredit hinaus zu begleiten.

Wie gelingt es, aus diesen Herausforderungen ein funktionierendes Ökosystem zu bauen? Welche Rolle spielen Kooperationen zwischen etablierten Instituten und innovativen Startups? Und was sind die kritischen Erfolgsfaktoren? Um diese Fragen zu beantworten, haben wir zwei Experten eingeladen, die genau an dieser Schnittstelle arbeiten: Martin Kulik, Head of Venture Clienting bei amberra, der Corporate-Venturing-Einheit der Genossenschaftlichen Finanz-Gruppe, und Lukas Maiwald, Chief Sales Officer bei Impleco, einem Spezialisten für digitale Plattformen im Immobilienbereich.

Moderation: Peter Fricke, Associate Director FinTech Business Development, und Damian Ziemann, Intern Business Consulting.

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The payments industry is undergoing a remarkable transformation. Innovations such as the launch of SEPA Instant and verification of Payee, ongoing conversations about the digital euro, and Wero's first successful merchant transaction in Germany highlight the sector's dynamic pace.

At the center of this episode’s exciting and informative discussion are the European payment solution Wero, and the future of European payments. Together with Robert Bueninck, CEO of Unzer, and Ludovic Francesconi, Chief Member & Strategy Officer at EPI Company, we examine recent developments in the German market following Wero’s first merchant transaction, as well as its advantages and differences compared to big tech offerings. Thanks to our guests’ expertise and visionary perspectives, we also explore future milestones and take a look at the role that Wero could play in 2030.

Moderation: Daniel Molis, Director Strategy & Transactions, and Felix Dadt, Assistant Business Consulting.

If you have questions or comments, feel free to reach out to us via email at eyfintechandbeyond@de.ey.com with feedback or suggestions for topics or guests.

‘Europe, seize the moment!’ was the motto of this year’s Frankfurt Digital Finance, which took place on 11 and 12 February. As a platform that connects Frankfurt with leading European ecosystems, it provided an ideal stage for our high-profile panel discussion on Open Finance.

What exactly is the EU’s Framework for Financial Data Access (FIDA) aiming to unlock? Where will future product and service value emerge? And what can the EU learn from other ecosystems already years ahead – such as Brazil, the UK or Singapore?

To address these questions, we brought together outstanding voices from regulation, banking, insurance and global open finance experience to discuss the central question for Europe’s financial future: How can the EU build an Open Finance framework that is globally competitive, aligned with European values, and both economically and operationally viable?

Moderated by Christopher Schmitz, Partner at EY-Parthenon and Europe West FinTech & Open Finance Leader, the conversation went far beyond compliance and technical standards but addressed the fundamental questions. Together with our distinguished guests Alice Guedel, Policy Officer at the European Commission and responsible for FIDA, Verena Ritter-Döring, Partner at Taylor Wessing, Daniel Nestrovsky, Head of Open Finance Regulation at Bradesco, Joris Hensen, Founder and Head of API at Deutsche Bank, and Stephen Voss, CEO & Founder at Neodigital Versicherung, we engaged in a constructive and forward-looking discussion on how Open Finance can become a reality in Europe and what it takes to turn regulation into real value for the customers and the industry.

Intro moderated by: Peter Fricke, Associate Director FinTech Business Development.

If you have questions or comments, feedback or suggestions for topics or guests, please reach out to us via email at eyfintechandbeyond@de.ey.com.