About Me
- 2025-nowDigital Marks GmbHCo-FounderBuilding the infrastructure for capital markets' electronic-to-digital transition. One global digital layer where value moves directly between assets, 24/7, without intermediaries or borders.
- 2019-2025SynolonPartnerInnovation work that does not fit inside an existing org chart. Six years on transformations that require rebuilding, not relabelling.
- 2017-2019Bitwala GmbHChief Product OfficerMerging traditional banking infrastructure with crypto rails inside a regulated German banking environment — frictionless movement of value between the two worlds.
- 2016-2017flatexDEGIRO SE (f.k.a. FinTech Group AG)Head Product DevelopmentLed the post-merger product transformation: XCOM, biw Bank, flatex and viTrade consolidated into two entities under FinTech Group AG.
- 2013-2016viacash (f.k.a. Barzahlen)Head of Product ManagementBuilt a real-time cash-payment infrastructure from the ground up — a high-performance B2B platform connecting cash-on-cashier rails into German retail.
Successful digital transformation is never a 1:1 conversion. It is a new way of using digital-first thinking to achieve a better outcome.
The pattern keeps repeating: businesses extend the status quo into a new technological epoch, and in the long run it fails. New epochs reset the playing field. Treating the new technology as a way to keep existing processes alive turns it into a second-class citizen, and second-class citizens don't carry transformations.
The real drag is rarely the new technology. It is the plumbing built over decades around the old one.
This is what drew me into financial services. The analog architecture goes back centuries in some cases, and as a digital native I never found the technological state or the UX of financial services satisfying. The gap between what the technology could be and what customers actually got was too wide to ignore.
For thirteen years I have been building inside German and European financial infrastructure — payments, brokerage, pioneering regulated Bitcoin trading, and now natively-digital capital markets.