About this episode
In this episode, Martin meets with Panagiotis Kriaris. Based in Vienna he leads Business Development at Unzer - a German FinTech and payment services provider. If you are into Fintech, you may also know Panagiotis from LinkedIn. Where he is a prolific poster of thought leadership content. He has more than 60K avid LinkedIn followers. Quite impressive. In our chat we openly discuss a wide range of topics from Banking-as-a-service, FinTech commoditisation, super apps, challenger banks, BNPL, and the crypto winter.
As Panagiotis outlines in the intro, a central thread to our conversation is the impact that the current economic crisis is having on fintech in terms of pivoting mindsets from growth at all costs to profitability. We debate to what extent this is likely to revert once we exit the current recession.
Listen to the episode
Episode Links
Website: https://www.unzer.de
LinkedIn: https://www.linkedin.com/in/pkriaris/
Email: panagiotis.kriaris@unzer.com
Twitter: @pkriaris

Guest Bio
Panagiotis has spent his career in the borderline between business and technology with a leadership background at an international level. Panagiotis brings senior expertise across Financial Services, Banking, Payments, FinTech, Retail and E-Commerce. Innovation, strategy, business development, strategic partnerships and building businesses and products from scratch have been at the centre of his work and attention throughout his career. Being a recognised voice in the financial services industry, Panagiotis is a frequent contributor to various publications and podcasts and is often invited as a public speaker at events around the globe.
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Martin Koderisch is a Principal in the London office. He assists payment and fintech companies of all sizes to excel at commercial execution including GTM, growth strategy & partnerships development. Martin also works with private equity clients on due diligence and post deal value creation. He offers a unique perspective based on 15+ years of experience across consulting and industry roles. Prior to joining EDC in 2015, Martin held senior operational positions developing, launching and growing payment and fintech products and services via direct sales, and strategic partnerships at start-ups and corporations including MasterCard and Citibank, and at pricing consultancy Simon-Kucher & Partners. Outside of work, Martin likes to tinker about on guitar.