Multi-source deposit funding is the practice of raising retail deposits across several markets, currencies and channels at the same time: branch, comparison portal, direct digital and embedded savings. German households hold roughly €3.4 trillion in cash and deposits, around €2 trillion of it earning under 0.5%. Two EU deadlines in 2027 decide which banks can reach it.
According to our representative study of 5,020 employees across 13 industries, more than one in three is dealing with serious money worries. That doesn't stay at home. It shows up as lost focus, more sick days, and good people quietly looking for something else. The instinctive fix is to pay more — but a third of employees who got a raise last year are still stressed. That's because financial stress is rarely just about how much money arrives; it's also about whether people feel in control of it, could absorb a surprise, have room to make choices they value, and know where they're heading. This article makes the case for a holistic workplace financial wellbeing offering — one where salary and raises matter, but aren't the whole picture. And it gives employers an evidence-based way to act on it and reduce the costs financial stress creates across their workforce.
The EUDI Wallet is set to transform digital identity across Europe, creating new opportunities for secure identification, authentication, and seamless digital services. As Germany prepares for rollout, businesses and financial institutions must navigate evolving regulations, interoperability challenges, and new fraud prevention requirements.
Since January 2026, Germany's BRSG II has made it easier for employers to enrol staff into a company pension by default. But enrolment alone doesn't solve the problem. This article uses data from 5,020 employees across 13 sectors to show that the real gap is not whether employers offer a pension, but whether employees understand it. The findings suggest that pension communication is directly linked to retention, and that a significant share of non-participation closes through better information alone.
At the HoFT Scale-Up Academy session on "Regulation & Compliance | Regulatory Roadmap", one central message ran through the entire discussion: Regulation is not a gate you pass through once. It is infrastructure. It shapes your product design, your partnership strategy, your organisational set-up, your fundraising narrative, and ultimately your ability to scale. The sooner FinTechs treats regulatory thinking as a core product discipline, rather – than a downstream legal exercise, the faster and more robustly they will grow.
The barriers to UK market entry are well known. What has changed is the playbook. Banks scout inward, not outward. B2C is a trap. Raises under £10m are harder to close in London than above. Investors kill deals on AI replaceability. And London's listing rules were quietly rewritten in your favour. Five shifts Berlin fintechs need to know before crossing the Channel.
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