Last year, I had to close my startup after funding failed. It quickly became clear to me that I am not going back to an incumbent bank. Even though my bank account would have been quite happy about a banker’s salary after several years with meager start-up pay.

After I took some time off, I started looking for the next big thing in FinTech. So far, FinTech has been more of an evolution than a revolution. We have seen some digitization of existing processes and business models, but there has not been a real disruptive change in the financial industry.

It became obvious that I had to look outside the box to find real game-changing ideas. I also looked at other industries that have been completely transformed by disruptive business models like the music industry by Spotify or television by Netflix.

That’s when I asked myself…what would happen if Apple, Netflix, or Google were a bank or insurance company?

In this blog, I share my findings and thoughts for two core reasons. First, I hope to get valuable feedback and input on my ideas. So, please don’t keep your opinions to yourself. Secondly, I want to inspire FinTech entrepreneurs because there are many more great opportunities than I can ever realize in my lifetime.