Almost every German has a bank account. In the meantime, you can “almost” even (almost) delete it, since even homeless people are no longer allowed to open a basic current account by law. The reason is obvious: without a current account, we are not part of this society. Rent, taxes, credits – cash is nothing today. Anyone who carries large amounts of cash is either a drug dealer or an arms dealer, or maybe some red light boss. Of course, this claim is not true, but it is already clear: the bank account and its deposit money have already won the crusade! In the digital age, however, the good old checking account and the general business model of the established banks are facing several new battles. For example: Deposit vs. Blockchain – Creative FinTechs can be a kind of interface between the New World and the Old World and make…

HR (Human Resource) describes the “totality of performance potential (performance reserve) that is made available to a company by its employees” (Gabler Wirtschaftslexikon). The…

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