Why U.S. FinTechs Fail in Europe: The Expansion Playbook

Описание: Why U.S. FinTechs Fail in Europe: The Expansion Playbook pulls back the curtain on one of the most common—and costly—mistakes in global expansion: assuming Europe works like the U.S. Joe has interviewed 1,000+ founders, investors, and operators across Germany, Austria, and Switzerland (the DACH region), translating what actually works for American audiences before those startups hit the mainstream.

In this episode, Joe explains why a simple 1:1 translation of U.S. product, messaging, or compliance strategy almost always fails in Europe—especially in Germany, where trust, regulation, and local nuance matter more than speed. We’ll unpack the cultural expectations, regulatory complexity, and market fragmentation that catch U.S. teams off guard, and why visibility in Europe requires fundamentally different tactics.

We’ll also explore where opportunity does exist: the rise of deep tech and embedded finance, the importance of local partnerships, and how U.S. companies can approach Europe with a playbook built for reality—not hype.

Whether you’re a FinTech founder, operator, investor, or corporate leader considering cross-Atlantic expansion, this conversation delivers practical insight from the front lines of Europe’s innovation ecosystem—before the rest of the market catches on.

** What You’ll Learn **

Why U.S. FinTechs often fail in Europe despite strong traction at home

How cultural expectations and trust dynamics differ across European markets

The regulatory and compliance traps that derail expansion plans

Why Germany isn’t just “another EU market”

How partnerships, localization, and timing determine success

Where the real opportunities are emerging in European FinTech


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** About Tech Behind FinTech **
Understanding the technology that powers the money is essential. Knowing the business drivers that inspire how the money is made is crucial. Tech Behind FinTech bridges the gap between the mind of the technologist and the mind of the business while showcasing the leaders and platforms transforming financial services. Hosted by Nnamdi Osuagwu, CEO and Founder of Strategic Generation, a cybersecurity consulting firm serving the FinTech industry.

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