Growing a product organizationMarkus Müller - markus.mueller@n26.com“NUMBER26 is banking disruption writ large” “A bank designed for the 21st Century”– Forbes

– TechCrunch

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A digital solution to banking

Our Product

⬒ Full European banking license

⬒ First fully mobile bank account

⬒ One-touch access to all financial products

Build & launch the MVPEvolution of N26 Product

Start of Papayer

Pivot toNumber26

Launch ofNumber26

10m funding

Summer 2013 Spring 2014 Jan 2015

April 2015

Grow the customer baseand complete the bank account

Evolution of N26 Product

open waiting list

First partner productCASH26

First bank productOVERDRAFT

100k user90 employees

Oct 2015

Nov 2015

Dec 2015

Jan 2016

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From unbundling...Building the FinTech Hub

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...to rebundlingBuilding the FinTech Hub

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The best product in one appBuilding the FinTech Hub

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Become a bank and tune unit economicsEvolution of N26 Product

Start building fintech HubTRANSFERWISEVAAMO

Receive a full banking licence& 40m funding

LaunchN26 Bank

Available in 17 markets

IntroduceFair-use policy

July 2016

Spring 2016

Sept 2016

Nov 2016

Dec 2016

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Reaching 99% of Eurozone population by end of 2016

Dec 2015

Building a pan European bank

Jan 2015

Dec 2016

Grow the fintech hub and accelerate growth again

Evolution of N26 Product

More cool products

Early 2017

find the right process and structure to fail, learn and adapt fast.

to build successful product

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Problem Concept

Priority check

Research Phase Prototyping

TestingDecide

Questions?Join the N26 familymarkus.mueller@n26.com

Join the N26 familymarkus.mueller@n26.com