Johannes’s chapter in Sopra Steria’s Digital Banking Experience Report 2025 — a market analysis and product strategy perspective on how European banks should position for the institutional phase of cryptocurrency adoption.
Core Ideas
Only 12% of German consumers have used crypto, yet 31% of banks already invest in it — the structural shift is institutional, not retail. Banks win this cycle by supplying what unregulated platforms cannot: trust, deposit protection, regulatory compliance, and client orientation under MiCA. The entry product is a hybrid offering — a savings account with a crypto sleeve — paired with MiCA-grade custody infrastructure.
Johannes’s Contribution
Authored the cryptocurrencies chapter (pages 8–9) for Sopra Steria’s Digital Banking Experience Report 2025 in his role as Venture Lead Banking. Johannes developed the market sizing, competitive positioning framework, and product strategy recommendations for the chapter.
Published in Sopra Steria’s Digital Banking Experience Report 2025, pages 8–9. © Sopra Steria.