The enemy picture of the still quite young fintech wave at the beginning of the boom? Slow, old-fashioned and big money houses. Valentin Stalf, head of N26, a start-up bank, said in the 2015 banking app presentation that he is building his own bank. Not only was he convinced that a bank dying was inevitable. Today - three years after Stalf declared the banks to be an enemy - we know that fintechs are dependent on their already established partners.