Country Report #2: Germany

Focus Note Series on Fintech for Sustainability: Landscapes and Key Opportunities

Digital
31. May 2024

Title: Focus Note Series on Fintech for Sustainability: Landscapes and Key Opportunities

Subtitle: Country Report #2: Germany

Authors: Markus Duscha, Sanika Hufeland, Ludwig Schuster

Year of publication: 2020

Which fintechs based in Germany are making a contribution to achieving the Sustainable Development Goals (SDGs)? This is shown in an exemplary overview and analysis commissioned by the Green Digital Finance Alliance (GDFA). In addition to the Fair Finance Institute, the Institute for Social Banking and Ludwig Schuster were also involved. The three players were also co-organisers of the Conscious Fintech Meetup series from 2017 to 2020.

These are the most important findings from the study:

  • The SDG fintech scene in Germany is dominated by smaller, young companies. Established financial service providers play a subordinate role.
  • Most SDG fintechs are aimed at SDG 7 (affordable and clean energy).
  • The 36 ‘SDG fintechs’ identified for the mapping only represent around four to five per cent of all fintechs in Germany.

The publication also looks at the technologies used by fintechs and the status of political and regulatory approaches as well as existing gaps in this regard. The report also contains recommendations for action and outlines possible further lines of development for SDG fintechs in Germany.

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