What if property managers across Europe are spending hours every day just trying to figure out which tenants have paid their rent? In this episode, I speak with Marcel Meitza, founder and CEO of GetMomo, a Berlin-based vertical Fintech building what he calls "the real estate operating system for Europe."

With a background in banking and consulting at BCG, Marcel identified a massive opportunity in an industry where the average property manager oversees 900 units and hundreds of bank accounts but still relies on manual spreadsheets and outdated processes to track payments and allocate funds.

We dive into

• The ageing workforce crisis in property management: How demographic shifts are forcing the industry to automate or face operational collapse as experienced workers retire
• Why traditional banks abandoned real estate: The relationship breakdown that created opportunities for specialised vertical FinTech solutions
• Building trust in conservative industries: The critical importance of German banking partnerships for customer acceptance and why foreign providers failed
• ERP integration strategy: How GetMomo positions itself as a "Fintech plugin" rather than replacing existing systems, enabling gradual adoption
• From 15-year banking relationships to modular solutions: the shift from monolithic bank relationships to specialised workflow-focused Fintech tools
• Vertical Fintech advantages: Why industry-specific solutions can outcompete both traditional banks and horizontal FinTech players
• The technical moat of legacy integration: How building connections with traditional German banks creates competitive advantages over banking-as-a-service providers

Marcel's journey from discovering manual check processing in New York social housing to building Europe's property management infrastructure offers valuable insights for vertical FinTech founders.

Visit our website www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv.

(00:00) Introduction to the Real Estate Payment Problem

(01:40) Marcel's Background and GetMomo's Mission

(03:26) Deep Dive into Get Momo’s Product Offering

(06:06) Money Flows and Banking Products

(11:23) Customer Trust and German Banking Partnerships

(14:54) Technical Integrations and Banking Partners

(18:29) Open Banking and Future Prospects

(26:02) Expansion and Future Goals

(27:39) Marcel's Personal Journey into Real Estate Fintech

(29:56) Conclusion and Contact Information