A briefing Johannes designed and delivered for the Norwegian Savings Banks Association in Frankfurt, covering the German fintech landscape and what Nordic institutions need to understand before entering or partnering in the market.
Core Ideas
The briefing covers four structural forces reshaping German banking: the maturation of digital banking challengers, the expansion of open-banking APIs, the rise of embedded finance, and the regulatory overlay — DORA, PSD3, and MiCA — that Nordic institutions must navigate. Germany's fragmented banking structure (Sparkassen, Volksbanken, private banks) creates both barriers and partnership opportunities for foreign entrants.
Johannes's Contribution
Invited speaker and author of the session materials. Johannes designed and delivered the full briefing for the Norwegian Savings Banks Association at their Frankfurt visit on 3 April 2025, covering market landscape, competitive dynamics, and strategic implications for Nordic entrants. The hosted PDF is his speaker document from that session.