From Stress to Confidence: The Financial Anxiety App Built for Real Life

Jörn Menninger
Aug 7, 2025
24 min read

Updated: 2 days ago

'Emotional Branding for Startups – The Invisible Growth Engine' on a dark blue tech-patterned background.

What Is This About?

From stress to confidence — this financial anxiety app was built for real life, not financial theory. The startup helps users manage the emotional side of money by combining behavioral psychology with practical budgeting tools designed for people who feel overwhelmed by their finances.

Introduction

Financial anxiety affects millions of people who avoid managing their money because the process itself triggers stress. This interview covers a startup that built a financial wellness app specifically designed for people who find traditional banking and budgeting apps overwhelming — turning the journey from financial stress to confidence into a structured, psychologically informed experience.

Executive Summary

The financial anxiety app addresses a market of millions of people who avoid managing their money because the process itself triggers stress and avoidance behavior. The product uses behavioral psychology principles to transform financial management from an anxiety-inducing obligation into a structured confidence-building journey. Early user data shows significant improvements in financial engagement metrics within 90 days. The interview reveals how the founders balanced clinical effectiveness with product design that users voluntarily return to.

Discover how Count is transforming money stress into financial peace of mind. A financial anxiety app built for Gen Z, Millennials, and busy professionals.

This founder interview is part of our ongoing coverage of Scaleup Founder Interviews from Germany, Austria, and Switzerland.

Key Takeaways

Atomic Answer

🚀 Management Summary

Discover how Count is transforming money stress into financial peace of mind. Startuprad.io brings you independent coverage of the key developments shaping the startup and venture capital landscape across Germany, Austria, and Switzerland.

In this episode, we sit down with Laura Cornely, co-founder of Count, a new kind of financial anxiety app reshaping the way Gen Z, millennials, and professionals engage with their money. We explore her journey from private equity to empathetic product design, the emotional toll of finances, and why her app puts mental health and personalization at its core. If you're tired of juggling disconnected finance tools, this episode (and blog) is for you.

📚 Table of Contents

What Is Financial Anxiety and Why Does It Matter?
From Private Equity to Purpose: Laura's Founder Story
How Count Addresses Money Stress Head-On
What Makes a Financial Anxiety App Truly Holistic?
AI, Automation, and Trust: The Fintech Future
Why the DACH Region Needs Empathetic Finance
Further Reading
The Video Podcast
The Audio Podcast
Automated Transcript

🚀 Meet Our Sponsor

💡 What Is Financial Anxiety and Why Does It Matter?

Financial anxiety is more than just budgeting stress — it’s a real emotional burden that affects sleep, relationships, productivity, and overall wellbeing. According to recent studies, over 70% of Gen Z and millennials report feeling overwhelmed by financial decisions, despite having access to endless apps.

💬 “We all know money can't buy happiness, but it can absolutely buy peace of mind.” – Laura Cornely

🔄 From Private Equity to Purpose: Laura's Founder Story

After years in high-finance roles across Europe, Laura noticed a recurring pattern: people kept asking her the same personal finance questions — even her colleagues. She realized that today's financial tools either dumb things down or overwhelm. Her “aha moment” came when she started teaching finance lunch sessions at work.

💬 “I wasn’t the typical finance bro. People trusted me because I made money human.” – Laura

🛠️ How Count Addresses Money Stress Head-On

Q: What does a financial anxiety app do?

A financial anxiety app like Count helps users manage money with less stress by offering automated budgeting, consolidated dashboards, and proactive alerts. It promotes transparency, control, and emotional peace.

The 3 Pillars of Count’s Anxiety-Reducing Approach:

Full Automation – You onboard once, then it runs in the background.
Total Transparency – See all accounts in one dashboard.
User Control – You can take the reins anytime you want.

It’s like an autopilot for your finances — but you can grab the wheel anytime.

🌱 What Makes a Financial Anxiety App Truly Holistic?

Count isn't just about numbers. It’s built to manage your emergency fund, investing goals, and mental stress. Personalized financial plans are regularly adjusted based on income, behavior, and life stage.

💬 “We even stop investing if we detect you've lost your job — and check in with you. That’s real personalization.”

This is where empathy meets robo-advising, and emotional triggers meet machine learning.

🤖 AI, Automation, and Trust: The Fintech Future

Laura predicts a future where AI financial advisors won't just suggest ETFs — they’ll understand your emotional triggers, life goals, and personality. The fintech industry is shifting from product-focused to user-focused, with trust and empathy leading the way.

💬 “The future isn’t about selling services. It’s about understanding who you are first.”

🇩🇪 Why the DACH Region Needs Empathetic Finance

Financial tools in Germany, Austria, and Switzerland are still rooted in outdated bureaucracy and product-first models. Count, though UK-based, was inspired by Laura’s German roots and the financial blind spots she saw in DACH countries.

💬 “Your pension dashboard is a mess. Most people don’t even know where their money is.”

Count aims to be the first digital wealth advisor built for emotional clarity — not just net worth tracking.the full management team to align cultural expectations. Don’t repeat it.

🧵 Further Reading

🚪 Connect with Us

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Frequently Asked Questions

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About the Host

Joern "Joe" Menninger is the host of the Startuprad.io podcast and covers founders, investors, and policy developments across the DACH startup ecosystem. Through more than 1,300 interviews and nearly a decade of reporting, he documents the evolution of the European startup landscape. Follow Joern on LinkedIn.

Support Startuprad.io

This founder story was produced by Startuprad.io, the leading independent podcast covering the German and European startup ecosystem. If you enjoyed learning about this financial wellness startup, subscribe to our podcast on Spotify or Apple Podcasts and leave a review. Your support helps us bring more fintech founder stories to light.

Automated Transcript

1 Foreign. 2 Your podcast and YouTube blog covering the German 3 startup scene with news interviews and 4 live events. 5 She left Private equity to fight financial anxiety 6 Now Lara Connelly is building Count, the app 7 that finally makes your money make sense. If you've 8 ever opened five apps to figure out how broke you are 9 or okay you are, this episode is for you. Today's 10 guest left a high flying career in private equity and venture capital 11 to solve one of the biggest problems in personal finance today, 12 financial anxiety. Lara Cornelli is the 13 founder and CEO of Count, a next generation personal 14 finance platform built for millennials, Gen Z 15 and busy professionals overwhelmed by budgeting 16 apps, disconnected tools and money stress. In 17 this episode, you'll hear the founder story behind Count. 18 From bootstrapping the first MVP with her

19 husband to conducting 100 plus user interviews 20 to deeply understand the emotional pain people 21 feel about money, Lara shares how she's building 22 a truly holistic wealth management experience that combines 23 automated budgeting, real life financial visibility and 24 personalized insights all in one intuitive app. We'll 25 unpack how traditional finance tools fail and what 26 set it and forget it, money confidence really means and how 27 Count is bridging the gap between mental health and 28 money. Plus her predictions on the future of 29 fintech. Being a female founder in a male dominated space and while 30 building trustworthy, transparent financial tools is the next 31 frontier for wealth. If you care about financial well 32 being, user centered fintech and founders solving 33 real human problems, this one is for you. 34 Laura. Welcome. And we already can tell our audience we

35 talked before and we are the Night Owl Club here, right? Yes. 36 Hey Johan. Hey everyone. Thank you so much for having me. It's a real pleasure. 37 Guys, before we dive in, have you ever felt 38 overwhelmed trying to figure out your own finances 39 even with five money apps on your phone? Tag us on 40 threads, LinkedIn or YouTube with your answer using 41 StarWRadioMoneyTalk. We'd love to feature your insights in a 42 future episode. Lara. Now 43 let's get started. We may add that you've been sneaking 44 in here before 45 you founded Count in London, but you're actually 46 a Kolshermedel. Yes, it was 47 lovely. Before we started recording, we actually had our conversation in 48 German. So it's probably a bit odd switching to English now, but it 49 is after all the language I usually speak when I'm working. So

50 okay, let's talk a bit. Little bit. From Wall street to 51 wallets, you worked at some of Europe's top financial institutions. 52 What made you walk away from the world to from that world 53 to build Count? And why now? Yes, 54 well, basically changing 55 suit and Office for Startup chaos, right? And I think 56 the story behind that is quite similar to what you 57 hear from most founders. It's this 58 neon sign screaming at you something 59 needs to be changed, and that the status quo is not 60 working as it is and no one is fixing it. So that 61 basically I took this as my cue to change it. And 62 where this came from is probably a bit related to my background. As you 63 mentioned, I worked in finance, but my family is not very 64 finance savvy. My parents actually really bad with finances, and I

65 hope they won't listen to this podcast. But 66 that probably triggered for me that I really, really want to understand the system behind 67 it. Not so much having money, but rather understanding 68 how everything works. And so not only did 69 I work in finance, I also have this very intrinsic personal interest in it. And 70 I guess my surroundings kind of picked up on that. 71 And so I got questions for ages now 72 from my friends, my families, even my co workers, all about 73 their finances, things they didn't understand. So they reached out to 74 me. And after years and years of this happening to 75 me again and again, I started to wonder, okay, why 76 do these people feel the need to ask me? Look at me. I'm not your 77 typical finance bro. And so this is what

78 made me take a step back, just look at the market and 79 see how it is. And I found it's insufficient to 80 cover for the needs. And so we built count to change it. I'm really 81 curious about this. Aha. This spark moment when 82 you realize no one is fixing this. I have to. Can you 83 take us back to this moment when and where this was? Yeah, 84 that was a funny story, I guess. So, 85 as you already mentioned, I'm originally from Germany, but I moved over 86 to the UK about four years ago now. And 87 so I came new to this market and really wanted to 88 understand again how it's working here, opposed to Germany. So I 89 had certificates and, you know, really took a deep dive into how the systems 90 work. And eventually the same thing started happening to me.

91 So my new friends and my new colleagues, again, still working in 92 finance, started approaching me. And it got to a point where with my 93 last employer, actually, my colleagues asked 94 me to do like Friday lunch sessions for them to understand, 95 you know, the different asset classes, how they interact with each other, and 96 also tax wrappers, which unfortunately is something we don't have in Germany, but 97 it's a. It's a really neat aspect here in the uk. So when it got 98 to that point, that was really where I was like, okay, this is so 99 weird. I need. I need to Change something. Yeah, that was probably 100 the aha moment. Mm. Mm. 101 What real people taught you about 102 money pain. You interviewed more than 100 people 103 before building count. What shocked you most about how 104

people experience money daytoday? 105 Yeah, as you said, like 100 face to face 106 interviews. And I guess what 107 hit me the most was how extremely personal 108 finances. And I don't even mean just your 109 financial management should be different to mine. I 110 really mean how close to our heart it can get in terms 111 of if you feel uncomfortable with your financial 112 situation, it can impact all different 113 varies of your life or areas of your life. You know, you probably 114 sleep bad or you feel anxiety. You don't want to 115 open your bank account and want to see how it looks there. And 116 yeah, that was the thing that hit me the most because we all know 117 there's the saying money can't buy happiness, but 118 hands down, money can buy peace of mind. That's what 119

I learned. 120 The finance fatigue generation. 121 Why are so many of us, especially 122 millennials and Gen Z, feeling paralyzed 123 when it comes to money? Where are the tools failing? 124 I think that's a very complex, very layered question. 125 Oversimplified, I would say. It's 126 information overload and support 127 underload, which is not a real word, I guess, but. So 128 when it comes to information overload, what happened I think was, you know, 129 our past generations, what they had was very, very little access to 130 information, which typically is a bad thing. But in that case, 131 what it means is that in your mind, what you're feeling 132 is, I cannot really do anything about it because I don't know, it's. 133 And on the other hand, what they had was better access to support. 134 So, you know, your parents and grandparents probably had the same thing where they would

135 go to your banker or your financial advisor that they 136 trust and then they get this support. Whereas here in the uk 137 this is not the case. So what happened with the younger generation 138 is that we have this beautiful access to information, but it's a mountain and 139 terabyte and terabyte of information just on the shoulders of people. 140 And essentially what happened is like, here is this information and 141 now you figure out how it works. Have fun. You know, so 142 they have too much information, too little support, and 143 we think that they, with that can figure everything out for 144 themselves. And I think that's what is the 145 underlying issue, why they feel overwhelmed and paralyzed oftentimes 146 when it comes to money management. The missing middle. You've said 147 most apps either dumb things down 148 or overwhelm the users. What does

149 just right look like for modern Finances. 150 That's a really neat question. And the answer is there's 151 no. Right, Right. Because we are so different. So there will always 152 be people that want to speak to a human advisor. There will always be 153 people that want to do everything themselves. You 154 know, the stock pickers or, you know, interested in the, in the details, etc. 155 For us, how we approach this just right aspect 156 is that it's probably threefold. 157 It's first of all, it's fully automated, Second of 158 all, it's fully transparent. And third of all, there is a control 159 aspect. So the automation means that if 160 you don't want to do it, as I said, we're talking about this, you know, 161 overwhelm the feeling of overwhelmed and paralyzed. If you don't want to do it, you 162

don't have to. We guide you through everything and then you do the onboarding with 163 us, and from there on out, you essentially can sit back and relax and you 164 don't have to do anything anymore. And then the transparency, the second 165 point is that you will at all times 166 always be able to see what's going on. And transparency is a 167 main pillar of trust. Right. If you don't understand what's happening, if it's in 168 transparent, you don't want to do something, especially when it comes to finance. 169 So just having at all times access to where is my money, what is it 170 doing, how is it faring, what are you doing with it? That's a very crucial 171 part of building up the trust and the confidence. And then the third part, 172 the con, the control, is that the reassurance that at

173 any point in time you can take back the control. So if you think of 174 us like an autopilot for money management, at any point in 175 time, you can take that, the steering wheel, and start controlling it on your 176 own. 177 There are financial blind spots. You 178 once asked, do you know how much money 179 you really have? And most people didn't. Why is this 180 such a common gap? Yeah, I think 181 that also kind of plays a bit into what I, what I mentioned just 182 now, the transparency. Right. And 183 if I ask you now, right now, do you know how 184 much money you have on all of your different accounts and overall, 185 because most, really 99% of people don't. 186 And I know it because I was that person. 187 And the reason for it is that

188 most people have several accounts at this point. So you probably have at least one 189 current account. You maybe even also have a credit card. Then 190 you have a savings account and then an account for 191 your investing, be it either with a robo advisor or A trading 192 platform or whatever. And then you also have 193 your pension. So in reality you really, it's, it's split 194 over so many different ways and 195 tools, it's very hard to access some of them. Especially for example, 196 pension. I have really no idea how to, you know, I, I 197 need to consolidate it, etc. Etc. What is my password to 198 onboard and the, to access the dashboard? So it's, it's 199 split in too many ways and people kind of lost track of it very 200 understandably so, which is one of the reasons why

201 our focus was to bring it back together. So when you open the 202 account app, the first thing that you see is your dashboard where all of your 203 connected accounts are consolidated into one 204 net asset view or total asset view, where you see how much you're 205 having, where it's, where it's, you know, which split it 206 is between savings, investing, etc. So just giving 207 again this transparency of overview to people. I think that's very important. 208 I was wondering. So one of the common financial blind spots 209 is basically where it's really hard to get 210 to current information. For example, my, 211 my, my German government pension. Exactly. 212 I see. Money equals mental 213 health. How does count address the 214 emotional weight of money, not just the math? 215 Yeah, that was, that is probably a mission that is very

216 close to my heart and also binds back 217 together with this learning that I had from the face to face interviews. Right. Where 218 I just said that people felt so bad and personally hurt 219 by their financial issues. So when building count, 220 or in general, when we sought out to this journey to build this 221 financial solution, caring for the 222 mental part and the mental health was one of our most crucial 223 aspects. And how we're doing it again is of course 224 the transparency aspect that I just mentioned, which just helps 225 peace, bring peace of mind to our users. But also 226 I'm a huge fan of building wealth sustainably 227 and I hope most people are. And how that looks like for us 228 is that we are building wealth by 229 investing and saving. So if you start

230 with your journey with us, we will always ask you, do you already have an 231 emergency fund? And if so, how, how big is it? And if you 232 don't, we always start 233 investing and saving just because it's so crucial to 234 have this financial safety net. If you don't have this and something happened, 235 you know, you have to prematurely liquidate your assets in the investment 236 part, which potentially hurts your returns. Also in 237 general just gives you peace of mind knowing, okay, if something happens, I have a 238 couple of bucks on the side, you know, so that was 239 our, our first point where we said, okay, 240 building up both of it and building it sustainably. That's our 241 main path and our main mission. 242 Before we get into that, I was spontaneously wondering, 243 how did you find the one people to interview?

244 So we started with our own network and then 245 from there we kind of expanded. We asked, do you have someone that, 246 you know, we could potentially interview, etc. Etc. And 247 then we were also quite early already on social media, so we 248 were on TikTok and Instagram and people reached out to us 249 there. And then we just built up the conversation. This is how we got to. 250 It's probably already more than 100 at this point, to be honest. 251 Guys, we will be back after a short ad break. 252 Guys, welcome back. Let's talk a little bit more with 253 Laura about Count. 254 She was bootstrapping with her co founder and also her 255 husband. You built the MVP of Count 256 alongside your husband. What was that experience like 257 building a company and a life together? Yes,

258 I love this question. I think you're only the second person to actually ask me 259 this. And first of all, we've 260 been together at this point for 15 years, so it's not. We 261 started a relationship and started Count. I think that would be quite a lot for 262 any relationship now we've been together for, which is now 263 nearly half my life. And my 264 husband is probably the most 265 brilliant but also perfectionistic brain I know, 266 which is extremely important or helpful 267 for building a business, but can also be challenging, as you can imagine. 268 But having someone on your side who challenges you ultimately 269 just leads to a better product, I would say. And 270 for us, I would say what we have 271 that other founders probably don't have is that you A, trust each 272 other 100%, no doubt about it. And

273 then B, we're very, very good at conflict resolution. And not just, you know, 274 talking about a conflict and then one of you is mad and then 275 you pick it up later. No, it's a real conflict resolution because we've been together 276 for such a long time. So we at this point you probably have that with 277 I hopeful with your partner as well. So we're very good at that. 278 And that is to say, it's been really nice. I've really enjoyed 279 building Count with together with him, but 280 we do have a hard time 281 differentiating between talking about business and talking about 282 our personal life. So where others maybe sit together 283 in the evening and watch Netflix, we probably have a look 284 at our code debug, user journey or something 285 like this. So we sometimes have to be very forceful when it comes

286 to drawing a line when we're like, okay, we have to stop talking about this 287 now. I see, I see. 288 Kind of know that feeling, what true 289 personalization in fintech really means. A lot of 290 apps claim personalization, but what does 291 it really mean to build a financial tool that 292 adapts to the individual? Yeah, 293 I don't like throwing shades on competitors, 294 but I will say that sometimes I have the feeling what others mean when they 295 say personal is that they have your first name 296 in your email. And what it means 297 in reality for me is that A, everyone is 298 extremely different, you and your life, where you, how you 299 got, where you are, etc. Etc. Is completely different to mine and any others. 300 So naturally your financial strategy should be different 301 to mine. And then B, on top of that, you right

302 now and me right now, we are different from the person or 303 our situation is going to be different from the person that we're going to be 304 in 10, 20 years time. So again, our financial 305 situation right now, our management right now should be different to this 306 person in the future. And this is exactly what we're doing 307 with Count. So first of all, it's a very detailed look at 308 how is your situation right now and then according to your 309 income, your expenses, behavior, your financial 310 goals, your time horizon, this is based on all of 311 this information, is how we construct your financial management. 312 And then at least annually we are checking 313 up on you and seeing, okay, where are you standing? Is this the same 314 or not? And then depending on how it's going, we are updating

315 your strategy. Some of this is even automatic. Like if our 316 algorithm noticed that you don't have any income anymore, 317 we're actually proactively reaching out to you and saying, okay, we noticed this, 318 should we kind of stop for now? You know, 319 don't transact every month and don't take your budgeting or 320 what would you like to change these kind of things. And 321 if the closer we get to reaching your financial goal, automatically 322 our portfolio rolls out of 323 more risky investments and into safe haven investments in 324 order to make sure that, you know, in case one year before you 325 need to, you need the money, we will not be 326 100% in equity anymore. Because if then there will be a financial crush, 327 this will diminish your returns tremendously. So this, these 328 are only a few of the personalization aspects that we have with Count.

329 Yes, as everybody can, everybody knows from just the last 330 month, just saying the word tariffs and all the things 331 that happen after that. Equities are a good long 332 term investment, but you shouldn't count on it for a specific time. 333 You Went from fund ratings to empathy led 334 product. How did your background in fund 335 analyzers and strategic finance shape how 336 you build for real people today? Yeah, I 337 think it was, I think I've been very fortunate when it comes to 338 my skills that I was able to acquire through my 339 past work experience. And it's basically, it's 340 a combination of two things. First of all, as you just said, it's 341 this investment experience. When I was working at the 342 biggest European rating agency, what we did is essentially 343 talk to the biggest European asset managers. And I was in

344 one on one conversations with the portfolio managers, challenging their 345 strategies, their portfolio, they're holding their view on the markets, the 346 team, how they interact with each other. So our job 347 was essentially to trying to pick apart what they're doing and then based 348 on this, we did our rating. So this comes in extremely handy 349 of course, in my own portfolio construction right now because 350 all of this experience plus the network that they have and their experience are 351 flowing into our algorithms. And then on the other hand what I 352 did was, you know, my experience in private equity and venture 353 capital and is taking a look at the 354 market and at the companies in the market and the businesses, figuring out whether they're 355 good businesses and then acquiring them and implementing 356 or onboarding them into our existing portfolio. And based on this

357 experience, I'm extremely good at figuring 358 out what is going wrong, what are the skills to 359 scale a business, what are best practices that we're following, and all of 360 this I am integrating in my own business. And so far I've been very happy 361 and satisfied with how it's going. 362 Talk a little bit about women in fintech here. The bias and the 363 breakthrough. What's been your experience 364 leading a fintech company as a woman and what needs to change in 365 the ecosystem? Yeah, I'm not a 366 huge fan of these questions, to be honest. 367 I do admit that there are structural challenges. There are, and 368 I wish for them to be alleviated for minorities 369 and also, you know, on a gender basis for sure. 370 But I personally never 371 identified myself with this problem and I also don't like

372 playing into this gender war narrative just like everyone 373 else. I feel like I had some really shitty experiences. I had some really 374 great experiences. Some of my mentors were just amazing. I 375 had great female bosses, great male bosses, shitty, shitty male 376 bosses. So I wouldn't 377 say that I had a lot of trouble. I 378 just, as I said at the beginning, I'm a great fan of 379 understanding the mechanisms of a system. And then you 380 play, try to play the system. 381 Going a little bit more into your project. What's long term 382 vision for Count? Could Count become the digital 383 advisor we all trust? The banker 384 of trust for like the next generation? I mean the short 385 answer yes, 386 probably a longer answer yes, absolutely. I 387 would dare to say so. I dare to dream. So that's our mission.

388 I have a fantastic team, all of us with the same mission behind 389 it that we truly want to help our users 390 by building this experience. And I would hope that ultimately 391 a product built by people that are actually interested in the 392 welfare and the well being of their users is 393 going to win. And having these amazing people on my side 394 and coming into a market with a huge gap where 395 we're kind of leading at the front is going to be 396 a great advantage. 397 For our audience. What's your biggest 398 frustration with personal finance tools today? Too 399 complex, too basic or just plain confusing? Drop us 400 your take in the comments, share your story on threads 401 or send us a dm. We'll highlight you in 402 a next show. 403 What's one thing Laura you'd tell

404 every 25 year old about money? 405 Imagine for example you could give one sentence of money advice 406 to your younger self. What would it be? I think 407 it would be it's not as 408 frightening as it may look like at the beginning. 409 I think that's what I would tell myself. You know 410 what helped me was for sure of course the knowledge but 411 also trying it out on a small scale, 412 you know, investing a bit and then see how it 413 works and then if you're happy and gain more confidence 414 you can then bring it to a broader scale. So it's not 415 the basics that work for most of us are not rocket science. And 416 you know if I can do it everyone will be able to do it and 417 I hope we can help to

418 bring it there with Count what's. Something you wish you 419 knew before founding a fintech startups 420 founders to learn things the hard way. I 421 personally did. What did you wish someone 422 had warned you about before starting Count 423 Yeah, I. Would actually really like to hear your experience 424 and what you have to say to this as well. For me 425 it definitely was and I'm so mad at myself 426 for this as well is not listening to my gut feeling. 427 I don't know why I keep doing it. Honestly I think I have a pretty 428 good gut feeling and luckily I only I didn't listen to it like 429 3 or 4 times so since I started count but every time 430 and that's not just you know, self fulfilling prophecy. I have a team who are 431 there to witness it. Every time I I'm not listening to my gut

432 feeling, it went wrong. I don't know what's wrong with me. Why do I keep 433 doing this? So in the future I will check myself four times 434 at least before I go against my gut feeling again. And I 435 mean it's, it's probably very psychological as well, right? Humans are kind of 436 wired to pick up on, on the details, subconscious 437 things that we don't even notice. So our gut feeling is only the result 438 of these instincts. So I think we, most of us should listen to it. 439 What was it for you. You 440 should get right from the start here in Germany, Tax advisor. It helps 441 such a lot. Yeah, that 442 laughter. You've been there, right? Yeah. 443 Yeah. So now after this amazing laughter, give us your 444 bulldoze prediction for the future of money or FinTech. By 2030.

445 I hope it's going to be 446 companies leaving the path of trying 447 to sell you a service. So 448 not stop focusing on just selling a product or a service 449 and then instead focusing on the user 450 or the person. Because if, for example, it's very easy to, 451 to know what I mean. So if you are looking at any homepage of a 452 fintech company, typically you see the products or service right on the top. So you 453 click on it and then it kind of unfolds the menu, right, and it shows 454 you all of the different products. And then me as a consumer, 455 I'm there just like, okay, what, which one do I need? 456 I don't know. And so rather 457 than that, what I hope is going to happen and especially, you know, 458 facilitated by AI is that it's going to be like, okay,

459 who are you? Tell me about you and what you're looking for 460 and then I give you advice on what actually works for 461 you. So I hope that's the development that you're going to see. 462 Actually, you know what, I do believe 463 an AI that can give financial advice would be very 464 well equipped if it just would read out my cell phone. 465 Yes, yes, absolutely. Yeah. So 466 don't lose your cell phone. Reminder to myself, Laura, 467 with such a pleasure to have you here. Thank you very much. Hope you 468 come back when you do have a bigger funding round or something important to 469 tell. Very happy to have you here again. Thank you so much for your time 470 today. It's been a pleasure. My pleasure. Have a good day. Bye bye. You 471 too. Bye bye. 472

That's all folks. Find more news streams, 473 events and 474 interviews@www.startuprad.IO. 475 remember, sharing is caring.

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