I believe there are various ways to tell the story of Raisin. But let me take a shortcut. Here are some numbers behind the Berlin-based company that aims to build a leading one-stop shop for savings and investments in Europe.

From this piece - we call it Netguru’s Fintech Barometer - you will learn: The single most disruptive thing that may happen in the industry, according to Citigroup’s CEO The warning from JP Morgan and Chase CEO about feeling comfortable with being big How Bank of America and ABN Amro are tackling the fintech challenge (some interesting numbers here) Where MasterCard’s CEO sees an interesting fight between the fintech players and banks How fintech is boosting Tencent and Rakuten The unexpected impact of fintech on… ads on television In a nutshell - you are now reading the 2nd edition of the Netguru Fintech Barometer. The idea is that, each quarter, we scramble through all earning call and conference transcripts to check the pulse of the fintech industry.

If your game app lags, all it takes to get back into action is pressing the refresh button. No harm done, just a little irritation on the user side. The same experience is hardly acceptable for a banking app - if you seem unreliable or insecure, you won’t get a second chance on the market.

Facts, DevOps, figures, Blockchain and quotes from the financial industry leaders. We have collated them all together to bring you the most important trends shaping financial services today.

We’ve talked to Eddie Dubiel, a representative of Finstreet, about the future of one of their project, the difficulties of operating in the highly regulated German financial sector, and about bringing innovation into large fintech organisations. The insights we gathered shed light on doing business on this highly desirable and competitive market.

From this interview, you will learn: How Peter Grosskopf, solarisBank’s CTO, scaled up a tech team How having no financial background was actually the prerequisite in his leading role in the banking platform What Lego bricks have in common with digital banking What the recent investment by BBVA might mean for the Berlin-based fintech startup. For anyone not yet familiar with the company: solarisBank is a Berlin-based, 150-person tech company with a full banking license, serving 60 corporate customers. It all started with the concept of building solarisBank as the first banking platform native to the digital economy – a platform that would enable any company to offer financial services. A few years ago, fintech startups used to working in the agile way, were struggling with lengthy and inefficient setup processes with traditional banks.

- I think it was one of the best panels I was on during the last two years. It turned out to be a great opportunity to discuss more or less ‘contradictory beliefs’ of N26 and solarisBank with the help of other smart people - said Jörg Howein, Chief Product Officer of solarisBank.

Fintech has become an indispensable part of almost any customer-related process in the financial industry. The process of transformation spurred by fintech shows no signs of stopping.

Insurance, a travel startup, and insurance again. That would be the shortest description of the professional career of Tim Kunde, a 38-year-old German on a mission to disrupt the insurance industry.

Fintech is in full bloom. Investment rounds have never been stronger (take a look at BBVA’s bold moves, and why they matter). There’s also the PSD2 directive - the one that forces banks in the European Union to open their data to any third party provider - which has been finally published.