Fritz meets Coca-Cola, Fritz beats Coca-Cola

How David fritz-kola blew away Goliath Coca-Cola in Hamburg bars

3. November 2017

Fritz meets Coca-Cola, Fritz beats Coca-Cola

How David fritz-kola blew away Goliath Coca-Cola in Hamburg bars

Launched as an alternative soft drink manufacturer by two students, a start-up company has done the impossible and ousted Coca-Cola from many pubs and bars in Hamburg. Today, fritz-kola is making millions in sales. A shining example of perfect marketing,…

How beginners become winners

First movers: Even the best ideas need some luck

26. October 2017

How beginners become winners

First movers: Even the best ideas need some luck

First movers create or conquer new markets. But what if the time isn’t right for a new business idea? Or if the market becomes highly competitive very quickly? Some innovations are just victims of unfortunate timing. A tale of two…

Think tank for the digital world of finance

The Sparkassen Innovation Hub pools skills and develops ideas

19. October 2017

Think tank for the digital world of finance

The Sparkassen Innovation Hub pools skills and develops ideas

Co-working, think tanks, brain pools: to encourage innovations, new forms of teamwork have appeared and proven themselves to be a viable alternative to the old methods. Tried and tested in other industry branches, the time has come for banks to…

Putting lipstick on a pig?

How energy companies are risking their future

12. October 2017

Putting lipstick on a pig?

How energy companies are risking their future

RWE is running its subsidiary Innogy, E.ON has outsourced some of its core business to its daughter company Uniper. But new names cannot hide the fact that the traditional energy providers have seriously miscalculated the transition to clean energy –…

9. October 2017

Books will always be around – book printers are another story

The transformations of book printing and bookkeeping businesses serve as a precedent – when the finance sector is changing, banks are under pressure. The demise of lead…

28. September 2017

Scepticism towards digital investment advisors

Why robo-advisors are struggling for acceptance

Yes to online banking, no to robo-advisors. While many bank customers are handling their accounts via online banking, half of them are wary of digital investment advisors. Read…

4. September 2017

Digitisation by merger alone won’t cut it

Cooperating with fin techs is only the first step

After introducing online banking in the recent past, many banks are now cooperating with fintechs – or taking them over wholesale. So, that’s digitisation settled, right?…

17. August 2017

Business without a home?

When the baker sells newspapers, the petrol station vends bread rolls and the drugstore provides loans

Everyone against everyone else, and everything everywhere at any time – this is a maxim of the market. There are more and more attempts to lend money other than via the…

17. August 2017

Be assured that we will insure you!

InsurTechs: customized insurance cover via the smartphone

Not only the banking sector, but also the insurance world is in a state of upheaval – and here, too, it is digitization that brings new competitors into play, paving the…

17. August 2017

Progress? Not with us!

When employees slow down digitization

Never change a winning team is a truly well-known phrase. But what happens to the team if no victories are gained and more and more trophies fall into the hands of competitors?…

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