Welcome to the Fintech Jungle - Event Recap
Goldie Tech at the 8th Embedded Finance Review Event in Berlin
On November 19, 2025, Goldie Tech attended the 8th Embedded Finance Review Event in Berlin. The event brought together companies and professionals from fintech infrastructure, embedded finance, and payments. Presenting organizations included Rally, Visa, and Banking Circle, among others.
This year, the event deliberately expanded its scope: instead of focusing solely on embedded finance, the spotlight was on fintech infrastructure as a whole. This created an environment that brought together both non-financial brands and specialized fintech companies.
The event stood out for its concentration of builders and analytical minds - a setting where new perspectives emerge and relevant developments become visible early.
(L–R.: Lars Markull founder Embedded Finance Review, Timo Florian Zwez Banking Circle, Dr. Mikko Riikkinen Wolt, Dr. Til Rochow Upvest, – panel on scaling fintech products)
Building Fintech Products at Scale: Insights from Banking Circle, Upvest, and Wolt
The final segment on stage featured a panel with Timo Florian Zwez from Banking Circle, Dr. Til Rochow from Upvest, and Dr. Mikko Riikkinen from Wolt. Together, they discussed the key challenges of building fintech products at scale.
The discussion directly connected to Nick Telecki’s presentation on building fintech products from 0 to 1, delving into topics such as expansion, the build-versus-buy decision, and the complexities of scaling existing solutions.
From Goldie Tech’s perspective, it was particularly interesting to observe how differently these companies approach growth decisions while consistently prioritizing both technical and regulatory infrastructure. The panel emphasized that successful scaling is only possible when technological flexibility, strategic partnerships, and a clear product focus are combined—elements that are equally relevant to our work in the gold and fintech space.
The panel made it clear that the path from idea to widely deployed fintech product is complex, but with a strategic approach and collaboration with experienced partners, it becomes significantly more manageable.
Key Takeaways for Goldie Tech from the 8th Embedded Finance Review Event:
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Early-stage builds require clear priorities: Nick Telecki from Rally highlighted that when building fintech products from 0 to 1, having clear criteria for selecting partners is crucial – and that patience and strategic pitching are just as important as the idea itself.
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Scaling requires infrastructure & partnerships: The panel with Banking Circle, Upvest, and Wolt made it clear that successful scaling is not just about product development. Technical flexibility, regulatory compliance, and strategic partnerships are key factors.
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Networks matter: The event itself demonstrated the value of exchanging ideas with other builders and finance experts. Trends, challenges, and solutions are best understood through direct dialogue.
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Embedded finance continues to grow – opportunities for differentiation: It became evident that embedded finance is increasingly integrated across all areas of finance. For Goldie Tech, this presents an opportunity to position itself as a specialized provider for physical assets within digital financial processes.
It was great to attend Lars’ event, who you might also remember from our interview.