Two hands with medical gloves handing over a banknote, representing fintech during the corona year of 2020

How 2020 Changed the Fintech Industry – Trends and Developments

What a year… good thing, we have a new one in replacement. 

Last December, when putting together our annual industry recap articles (you can find some of them here if you are in for nostalgia), we could not have guessed that the fintech scene would be on the brink of profound change. Many predictions, fintech and banking experts had made for 2020, did not occur – or did not occur for the reasons that we assumed would provoke them. 

Everything considered, though, the financial industry got off cheaply in 2020, when compared to other industries. Some branches could even step up their game. 

The question now is, if the fintech trends of 2020 will continue in 2021 or if they will “return to form”, once the restrictions in worldwide trade, business and retail loosen again. A look in the rear-view mirror will give us some implications. 

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A picture of two piggy banks, symbolizing financial literacy and financial education in Germany

More Than Pocket Money – Financial Education in Germany

Financial education. It starts with simple questions. Just like this one:

For her 9th birthday, Emma asks her parents to put money on a savings account, instead of buying her presents. She rather wants to celebrate her next birthday in style, with party assets worth 200€. At a yearly interest rate of 5%, how many Euros must be put into the account to fulfill Emma’s birthday wish?

Sound familiar, such questions, right? We all had to answer a fair share of them in math class during 8th grade. Looking at them today, they still are tricky to answer for many of us. And you would have to explain your child, that putting €4000 on a savings account tears a big hole in your financial planning. And only under the premise that you would find a bank providing 5% interest on savings accounts. Which you wouldn’t. Emma, who already showed prudence in her financial behaviour not normally seen in her contemporaries, still has to face some hard truths.

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A picture of an app store, displaying the apple logo, symbolizing Apple's new credit card solution Apple Card

Opinion: Apple Plays Its Card Just Right

Matthias Gall, co-founder of trimplement
Matthias Gall is looking forward to the disruptive potential of the Apple Card. 

In the Apple Keynote in on March 25th, Apple announced its very own credit card. It will be using the Mastercard scheme and will be issued in cooperation with Goldman Sachs.

As of now, Apple is an established player in the payments space. Their payment solution Apple Pay serves more than 252 million estimated users globally.

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One of the stages of the Singapore Fintech Festival 2017.

All Eyes on Asia — The Singapore Fintech Festival 2017

The rise of Asia — that is one of the more cited prospects when it comes to finance and technology. It is well justified. In less than a decade many Eastern nations established themselves as counterpoints to Silicon Valley. Undoubtedly, they will play a major role in the future of fintech. And to display a prospect of said future, fintech conferences spring up all around the continent.

Aside from China, where conferences like the Hong Kong Fintech Week and next year’s Money 20/20 China take place, Singapore stands out as one of Asia’s biggest fintech hotspots. The city-state did not only issue a new innovation hub in the heart of its business district. It holds the Singapore Fintech Festival as well. Luckily, we had the chance to experience the event — and we returned highly impressed.

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The city of Las Vegas by night with writing stating balancr is going to Money20/20 US 2017.

balancr at the Money20/20 Conference

Please note: Money20/20 US 2017 is now over, the balancr team is back. Find our review of the event HERE.


The City of Lights becomes the world capital of fintech — and balancr will take part.

From October 22 to 25, the balanc team will attend the Money20/20 at The Venetian in Las Vegas. If you are involved with the financial industry, you likely will have marked that date already: The Money20/20 convention is the biggest event showcasing developments in financial and payment services. As such, it brings together more than 11,000 attendees, including CEOs and leading experts from 4,500 companies and 85 nations.

We will be right where the innovation is: Meet us in Startup City, at booth S31.

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