Germany’s strategy to boost the use of blockchain has led to a growing niche boosted by start-ups. German parliament passed a law to allow investments in cryptocurrencies in the future. The dangers of virtual currency are also being addressed, with plans to tackle the criminal use of cryptocurrencies. So, is Germany leading, lagging behind, or carving its own way? 

• National Blockchain Strategy  
• Active cryptocurrencies  
• Virtual currency regulation – new rules for crypto funds  

Moderator: Joanna Rindell. Blockchain Lawyer, Indpendent
Christopher May, CEO & Co-Founder, Finoa
Sylvie Durach, Co-Founder, Hopa
Stanislav Havryliuk, COO, Zonda

Data is a key pillar in good credit risk management and without the right data, the full potential of risk exposure cannot be reviewed. Almost every action now leaves a digital footprint and generates a significant amount of data. Coupled with advancements in technology and analytics, risk decisioning is becoming more efficient and precise, but that doesn’t come without its challenges.

• Disruptive technologies impacting credit risk
• Integrating data systems effectively
• Ensuring data quality and explainability

Moderator: Nasdeep Purewal, Head of Credit, Formerly Mondu
Natalia Lyarskaya, VP Data Science & Risk, Billie
Sangram Borkar, Chief Credit Officer, American Express
Fredi Gruber, Founder, Fulfin
Brijesh Nanavati, Credit Risk Manager, Deutsche Bank

Embedded finance holds great promise – stronger customer loyalty, new revenue streams and precious data on the payment behaviour of the company’s user base. There is a growing number of strategic partnerships among market players to launch innovative products. So, what is available? And which brands are doing it better than the banks?  

• Tools and tech for lending, insurance, payments 
• A new era of partnerships  
• Reimaging retail and delivering on CX  

Joachim V. Brockmann, Managing Director, Future Payment Solutions & Development, MediaMarktSaturn
Matteo Gamba, head of Product, Global Payments and Fraud, Wayfair
Jan Lastuvka, Founder & CEO, Lemonero
Andreas Spengel, Senior VP, Business Development, Germany & Switzerland, Mastercard

Germany’s Fintech market is thriving thanks to an innovation-friendly environment and mature infrastructure. Its growing fintech start-up scene, centred in Berlin, attracts international top talent, not only because of the high level of English language adoption – the common language of cross-border payments – but also because of its start-up-friendly laws, and stability within the Eurozone, combined with: 

• Cross border and export commerce 
• Cross-segment partnerships 
• New market entrants 

Louise Ferslev, Founder and Chief Executive Officer, MyMonii
Lukas Zörner, VP Germany, Qonto
Nils Feigenwinter, Founder & CEO, Bling

People in Germany are the most financially secure of any country in Europe. But with consumers facing the challenge of global inflation they are turning to financial apps and services that automatically streamline their spending. Customers knowing that they can pay the bills today, are on track for a healthy financial future. People who experience financial wellbeing are less stressed about money.   

• Cash and budget managing apps  
• How to handle physical cash in budgeting apps 
• Effortless tracking on both daily, and advanced, expenses

Moderator: Moderator: Greta Schulte, Secretary General / Senior Manager Government & Public Affairs, European Fintech Association / N26
Perjan Duro, Founder and Chief Executive Officer, MoneyCoach.ai
Susanne Krehl, Founder and Managing Director, Fabit 
Sophie Thurner, Founer and Co-Chief Executive Officer, beatvest
Daniel Lappas, General Manager, DACH & Northern Europe, N26