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The Rise of FinTech. Threats and Opportunities for the German Retail Banking Market - Stephan Hoppe The Rise of FinTech. Threats and Opportunities for the German Retail Banking Market - Buch "Banking is necessary, banks are not" - Bill Gates' famous statement from 1994 was not just provocative but also foresighted. With new technology-based... The Rise of FinTech. Threats and Opportunities for the German Retail Banking Market - Stephan Hoppe