„Todays services are digital, mobile and immediately available“, opens Dr. Roland Folz, CEO at solarisBank.

„We are also seeing the rise of customer centric ecosystems, such as amazon or Apple.“
For companies creating their own ecosystem has become more and more important.
E.g. electronic retailers are offering insurance or other services in the after sales.
But when it comes to financing you still need a bank license to offer financial services.
„So you could either become a bank yourself – which would mean a very high investment – or you could partner with solarisBank.“

The service is integrated via an API: „You decide on the look and feel or the pricing and we’re just the powerhouse supporting you.“

Paul Knecht

"It’s not about how many financial products you can offer, it’s much more how your customers experience your product", Sierra emphasizes. Even as N26 is more and more cooperating with other Fintech startups to increase the protfolio the main product of N26 remains the app and the card.

Asked about the height of assets, Sierra exlpains that mos people have several accounts and trust N26 over time.

What are the next goals of N26? „The problem we are solving is an international", explains  Sierra, "We started in Europe and are moving towards other markets. Next year we are going to the US.“

Paul Knecht