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Podcast - Raisin - Born out of the global financial crisis

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Published on Oct 26, 2017

In this interview we talk to Dr. Tamaz Giorgadze, who came to Germany from his native Georgia, eventually becoming a partner at the German office of McKinsey & Company. During the financial crisis, he saw a demand for retail deposits by banks and decided to jump ship to set up his own company. The company is operating as weltsparen.de in Germany and raisin.com internationally. Joern talks to Tamaz and you get a quick overview of what banks actually do, where they get their money from and how retail investors in Europe profit from this. 

We are talking during the interview:

Wholesale funding https://en.wikipedia.org/wiki/Wholesa...

Bank’s transformation function http://rudhar.com/economi/monydebt/en...

Duration http://www.investopedia.com/terms/d/d...


Regulatory measures of bank’s liquidity

Liquidity coverage ratio https://wiki.treasurers.org/wiki/Liqu...

Net Stable Funding Ratio https://en.wikipedia.org/wiki/Net_sta...

Deposit http://www.investopedia.com/terms/b/b...

KYC – Know your customer https://en.wikipedia.org/wiki/Know_yo...

AML – Anti Money Laundry http://www.investopedia.com/terms/a/a...

TÜV – A German association of mostly technical auditors https://en.wikipedia.org/wiki/Technis...

Payment topics we touch
- SEPA https://en.wikipedia.org/wiki/Single_...
- TARGET 2 https://www.ecb.europa.eu/explainers/...
- And a correspondent bank system (all money transfer used to be done this way) https://en.wikipedia.org/wiki/Corresp...

Deposit insurance schemes (how saver’s money is insured)
- Harmonized scheme in Europe http://europa.eu/rapid/press-release_...

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