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How many German citizens use online banking? Are customers staying loyal to their bank and what is the future of the branch? Who would accept offers from a digital company? And what do Germans think of online offers from the insurance industry? Answers to these questions can be found in the study report "Digital Finance 2019 - The Transformation of the Financial Industry in Figures".

Two days of exciting speeches and discussions by more than 60 top-class speakers and panelists and about 800 participants – this was the Digital Finance Conference 2019. The programme with inspiring keynotes and interesting discussions provided numerous highlights for the international attendees from industry, science, society and politics.

The Digital Finance Conference 2019 started with the Pioneers' Eve in the Atrium of the Deutsche Bank. Interesting impulses, an exciting keynote and a lively panel discussion made a successful start to the #digifin19.

In advance of the Digital Finance Conference we interview some of the high-level speakers who will speak at the #digifin19 on 22nd and 23rd May. Today we introduce: Dr Wolff Graulich (Board Member, ELEMENT Insurance). ELEMENT is one of the few InsurTechs with a BaFin licence. In the interview, Board Member Dr Wolff Graulich tells us how this influences their business modell.