european-fintech
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Christian Hecker Bet the Bank on Boredom
A village philosopher walked into investment banking, disliked the costume, and spent the next decade turning Europe's pension anxiety into an app built for ordinary savers.
TrueLayer Wants to Make the Card Number Obsolete
The London fintech started by turning stubborn bank systems into tidy APIs. Ten years, two acquisitions and a bruising reset later, it is attempting something larger: a European payments network that can handle debit, recurring charges and credit without a card in sight.
Raisin
Raisin is a Berlin-based fintech that runs a pan-European and US savings and investment marketplace, letting retail customers shop competitive interest rates across hundreds of partner banks from a single account, while giving banks an on-demand channel to gather deposits. Beyond its consumer marketplace, Raisin licenses white-label 'savings-as-a-service' technology to financial institutions and offers ETF, pension and investment products. The company surpassed one million customers, turned profitable in 2022 after a decade of operation, and intermediates tens of billions of euros in deposits across more than 30 markets.