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Podcast Episode 2: Why Embedded Finance?

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Our second guest, Miriam Wohlfarth and Co-founder & CEO of re:ceeve Paul Jozefak discuss:

the future of payment, banking, embedded finance, plus key moments in the German fintech industry. We also get a glimpse of the banking landscape in 3, 5 or even 10 years. Will classic legacy banks survive? Or will we see fintechs dominate the industry? Listen in as Paul and Miriam discuss what it would take for companies to change the game and improve banking and customer service for the long hall.

Further topics include:

  • Why embedded finance and modern banking services are built to support the customers’ needs.
  • How the European Union’s Revised Payment Services Directive (PSD-2) has actually helped shape the future of banking and payment.
  • How fintechs and big banks can work together for a brighter future.

About Miriam Wohlfarth

Miriam Wohlfarth is Co-founder and acting CEO of Banxware, a white-label SaaS provider for embedded financial services. Banxware enables companies of different sectors to offer financial services like KfW Instant loans, merchant lending and card services. Miriam is also Founder and Managing Director of Ratepay, a Fintech start-up founded in 2009.

Miriam is a member of the Bundesverband deutsche Startups e.V., Startup Teens and the Hackerschool GmbH where she also shares her passion on the topics of founding, digital education and diversity with future generations. Besides managing and founding fintech companies, Miriam is also a keynote speaker, a mentor to young leaders, a networking and event organizer, an author, and a mother. It’s needless to say that we are absolutely inspired by Miriam’s achievements and we were very excited that she could share her expertise around the topics of payment, embedded finance, and the Fintech industry.

Learn more about Miriam Wohlfarth at

Or contact her on LinkedIn

Book: Zukunftsrepublik: 80 Vorausdenker*innen springen in das Jahr 2030 (Co-author)


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