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Mercator-Journalist in Residence in April 2025

Portraitfoto Juan S. Guse

Juan S. Guse is a writer and sociologist.

His novels Noise and Forests (2015) and Miami Punk (2019) were published by S. Fischer. His most recent work from the same publisher is A Thousand Times as Much Money as Now (2025), which straddles the line between literary reportage and sociological study. He has received numerous awards for his work, most recently the 2026 New York Fellowship from the German Literature Fund. In his sociological research, he focuses primarily on the organizational dimensions of evaluating human performance. He teaches at the Academy of Media Arts in Cologne.

Project

At ZEVEDI in September, he will pick up on some loose ends from his research on “A Thousand Times as Much Money as Now” that have not yet reached their analytical conclusion. The book is about men who have experienced a socio-economic leap in class through speculation on crypto-assets; however, it tells not only their individual stories but, above all, the techno-social promises associated with blockchains. During his stay in Darmstadt, he will once again sift through his ethnographic material—which forms the empirical basis of the book—and develop a typology of all the utopian narratives circulating among small-scale crypto investors. The goal is to find a more generalizing approach to the material, for which there was only limited space in the book due to its narrative form.

The Residency – Output

“Warum Kleinanleger selbst im Crash an Bitcoin und Co. glauben” – Eine Typologie der Rechtfertigungen, DIE ZEIT, March 25, 2026.

■ Reading and discussion: “Tausendmal so viel Geld wie jetzt– Reichtum, Tränen, Utopien: Vier Männer und ihre Kryptowährungen”, Centralstation Darmstadt, September 10, 2025.

Further information on the programme and application procedure can be found on the German language website.

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Klaudia Lagozinski

Mercator Journalist in Residence in April 2026

Portraitfoto von Klaudia Lagozinski

Klaudia Lagozinski is the news editor and online editor for taz.de. In addition, she writes as a freelance journalist on topics including finance, cryptocurrencies, and artificial intelligence.

She studied social and cultural anthropology, cultural journalism, and digital media and communication in Berlin and Uppsala. As a journalist, she worked in Stockholm as part of the International Journalists’ Program (IJP). She has also published reports from abroad, including from the U.S., Sweden, Norway, and Ukraine. She is particularly committed to making financial education accessible to those who grew up with limited resources.

Project

At ZEVEDI, Klaudia Lagozinski will examine the opportunities and risks posed by neobrokers. Young people whose parents have not already purchased stocks through their local bank are more likely to invest today. But are these new forms of investment truly motivated by saving and retirement planning, or rather by the thrill of speculation? And what role does content on social media, particularly on the platform Reddit, play in this? During her stay in Darmstadt, she intends to explore, from psychological, social, legal, and economic perspectives, the extent to which neobrokers make the financial world more accessible and the extent to which they carry the risk that this accessibility might encourage young people to “gamble.”

Further information on the programme and application procedure can be found on the German language website.

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The Future of Money

Plakat zu Citizen Lecture "Die Zukunft des Geldes"

Interdisciplinary Lecture Series / Citizen Lecture
Wednesday, April 15, 2026, through July 15, 2026, 6:00 p.m.
Technical University of Darmstadt
Large Lecture Hall in Schloss (S 313/30)
Link to the video recordings

An event organized by the Institute of Philosophy (FB 02) and the Department of Legal Policy regarding the Digital Financial Sector (FB 01) in cooperation with the eFin & Democracy discourse project at the Center Responsible Digitality

We are living in an era of digital transformation. A gradual yet radical transformation is taking place right before our eyes, driven by our everyday interactions with money. Whereas a few decades ago, money in everyday life was something physical, something that changed hands, today it has largely become dematerialized: According to studies by the ECB, cash is playing an increasingly minor role even at the “point of sale,” whereas cashless payments are on the rise.

Change represents a compression of time, yet it also opens up new possibilities. However, to analyze these possibilities for change, we must first examine the developments themselves, their drivers, and their implications. This is particularly true when considering the digitization of money and payment systems.

Money enters the world in the form of either central bank money or commercial bank money. While central banks issue cash and create an (artificial) demand for digital central bank money through reserve requirements imposed on commercial banks, commercial banks create liquidity by granting loans. This relatively stable system was supplemented nearly 20 years ago by “cryptocurrencies” such as Bitcoin or Tether – here, digital money is created either by networks or by companies. If we consider payment systems alongside existing digital money, it becomes clear that a significant portion of transactions in the digital age are essentially processed through private service providers, and that money is often created by private actors. In both cases, the question arises as to whether this should remain the case or whether state institutions should play a more proactive role in shaping payment systems and/or the creation of money.

The lecture series serves a descriptive purpose and aims to be a space for debate and dialogue where various positions on the (appropriate) societal handling of (digital) money can be expressed and engage with one another. Accordingly, the series features both researchers and practitioners.

Program

15.04.

Volker Wieland

(Stiftungsprofessor für Monetäre Ökonomie und geschäftsführender Direktor des Institute for Monetary and Financial Stability, Goethe-Universität Frankfurt)

Ist der Euro für zukünftige Herausforderungen
gut gewappnet?

22.04.

Co-Pierre Georg

(Professor of Practice in Digital Finance und Direktor des Blockchain Center an der Frankfurt School of Finance & Management)

Souveränität im digitalen Zeitalter

29.4.

Martijn van der Linden
(Professor für New Finance, Hochschule für angewandte Wissenschaften Den Haag)

Restructuring Europe’s Monetary Backbone in a Fragmenting World

06.05.

Manfred Richels

(Head of Corporate Payments and Digital Assets, Deutscher Sparkassen- und Giroverband)

Innovative Geldformen – sind Stablecoins, Deposit Tokens etc. Hype, Hope oder Solution?

20.05.

Katharina Pistor, joined virtually

(Professorin für Vergleichende Rechtswissenschaft an der Columbia Law School)

Rechtliche Perspektiven für eine neue Geldverfassung

27.05.

Martina Metzger

(Professorin für Monetäre Ökonomik an der Hochschule für Wirtschaft und Recht Berlin)

Digitalisierung von Geld: Wettbewerb und Koexistenz

03.06.

Petra Gehring & Andreas Kerkemeyer (Professorin für Philosophie / Professor für “Rechtspolitik für den digitalisierten Finanzsektor”, Technische Universität Darmstadt)

Diskussion und Zwischenbilanz

10.06.

Roland Broemel
(Professor für Öffentliches Recht, Wirtschafts- und Währungsrecht, Finanzmarktregulierung und Rechtstheorie, Goethe-Universität Frankfurt)

Souveränität, Autonomie und Geld

17.06.

Cederic Meier

(Wissenschaftlicher Mitarbeiter am Institut für Grundlagen des Rechts, Georg-August-Universität Göttingen)

Der digitale Euro und die Europäische Währungsverfassung

24.06.

Frank Engster
(Wissenschaftlicher Mitarbeiter der Hellen Panke e.V. – Rosa Luxemburg-Stiftung Berlin)

Kapitalismus zweiter Ordnung? Die Formen von Geld und Kapital, Arbeit und Ware im post-industriellen Zeitalter

01.07.

Cornelia Manger-Nestler
(Professorin für Recht, insbesondere Deutsches und Internationales Wirtschaftsrecht, Hochschule für Technik, Wirtschaft und Kultur Leipzig)

Rechtsfragen von Digitalgeld: Digitaler Euro, Stablecoins & Co.

08.07.

Martin Diehl
(Head of Financial Market Infrastructure, Deutsche Bundesbank)

15.07.

Stefan Eich, joined virtually
(Associate Professor of Government, Georgetown University)

The Democratic Politics of Monetary Design

Zum Diskursprojekt Demokratiefragen des digitalisierten Finanzsektors

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Sharing data: A question of trust?

Episodencover

In the thirteenth episode, we address the topic of trust. Trust has long been a buzzword in German digital policy, which is hardly surprising. After all, new data intermediaries designed to promote data exchange in business, science, and society will only be successful in the long term if people trust them. So what does trust mean in the context of digitalization and data sharing, and how can new data services create new reasons for trust?

To find answers to these questions, we first look at electronic trust services. These are digital “building blocks” that are designed to bring previously analog processes, such as handwritten signatures, into the digital world and thus set new standards for data sharing. Another focus is on data trustees, which we have dealt with repeatedly in the past. As neutral intermediaries, they are intended to balance the interests of data providers and recipients, thereby enabling trustworthy data exchange. If data providers and recipients find that individual services as well as common standards and norms are trustworthy, this may strengthen confidence in digitalization as a whole. Trust is something you don’t take away from each other.

ShareCast Epsiode 13 – Sharing data: A question of trust? 10 March 2026

Guests


Prof. Dr. Andreas Kaminski is Professor of Philosophy of Science and Technology at TU Darmstadt and has conducted extensive research on the topic of trust.

Lorène Slous is a consultant for digital identities and trust services at Bitkom.

Christian Brecht is an author for the magazine Behörden Spiegel and deals with the digitization of administration.

Further information

Kaminski, Andreas: Hat Vertrauen Gründe oder ist Vertrauen ein Grund? Eine dialektische Tugendtheorie von Vertrauen und Vertrauenswürdigkeit. In: Jens Kertscher und Jan Müller (Hg.): Praxis und ‚zweite Natur‘. Begründungsfiguren normativer Wirklichkeit in der Diskussion. Münster 2017, p. 167–188.

Seidemann, Till: Was heißt Vertrauen im Datentreuhandkontext? (DaTNet-Paper 01). Download: https://datnet.eu/wp-content/uploads/2025/09/DaTNet-Paper-01_Vertrauen_2025-09-18.pdf

all ShareCast episodes
Episode 14: Bonus episode: Proper data sharing is a form of art

Who shares data with whom? Why? How? How not? In this bonus episode, the team takes a look behind the scenes at the podcast’s production, highlights unanswered questions and draws a (provisional) conclusion. | listen now

Episode 13: Sharing data: A question of trust?

What does trust mean in the context of digitalization and data sharing, and how can new data services also create new reasons for trust? To find answers to these questions, we examined electronic trust services and data trustees, among other topics. | listen now

Episode 12: The Politics of Sharing Data

Politicians have high hopes for data sharing, ranging from faster administrative processes to scientific and economic innovations. At the same time, European data policy is operating in a geopolitically tense environment in which it must find its footing. In our twelfth podcast episode, we examine the areas of tension in which politics operates with the goal of digital sovereignty and take a look at the role data trustees play in European digital policy. | listen now

Episode 11: Sharing data without giving it away? The transaction-based data trustee

Sharing data can open up a wide range of opportunities, especially for businesses: processes and products can be optimised, costs saved and new business models developed. At the same time, there are risks: data loss, data theft, data leaks. So is there no such thing as secure data sharing? Transaction-based data trusteeship is a very sophisticated approach to responding to these risks: it aims to make it possible to share data without giving up control over it. | listen now

Episode 10: A “Swiss approach”? Data sharing in the Swiss Confederation

In this episode, we discuss the Swiss data ecosystem and ask whether Switzerland’s approach to European regulations is consistent or divergent, and to what extent the country’s manageable size offers a strategic advantage for the efficient development of infrastructure. | listen now

Episode 9: The Big Limitation? On Data Protection

We encounter data protection modules everywhere. Whether we accept or reject cookies when browsing, sign a consent form at the doctor’s office, or agree to the new terms and conditions when updating our smartphones – we are constantly dealing with data protection consents. On the one hand, data protection sets limits on the sharing of data. On the other hand, it can also be seen as a pull factor for data sharing. In our ninth episode of ShareCast, we take a closer look at the limits and potential of the GDPR. | listen now

Episode 8: Digital Sovereignty: Deciding how to share

Digital sovereignty is one of the key concepts in the debate on digital policy – and is often used to highlight the lack of sovereignty in the digital sphere. This lack did not arise suddenly, but in times of intensifying geopolitical conflicts, these dependencies now appear threatening. What are these dependencies and how do they affect data sharing? And what are the prospects for developing greater digital sovereignty? That’s what episode 8 of ShareCast is all about. | listen now

Episode 7: A dream of open knowledge: data sharing in science

The seventh episode deals with an entire area of modern society: science. We explore the significance of sharing digital data for scientific work and discuss the opportunities and challenges currently being debated in this field. | listen now

Episode 6: Open source software: shared or closed?

Open source software is software under free licences that grants its users four freedoms: to run the software for any purpose, to examine how it works and thus also its source code, to adapt it to their own needs, and to redistribute the software, even in modified versions. This distinguishes it from software that the open source movement refers to as ‘proprietary’ or ‘closed source software,’ which does not offer these ‘fundamental freedoms.’ But how exactly is collaboration and sharing carried out here? What interests determine the open source world, and what conflicts exist? | listen now

Episode 5: Data, Forests, and Timber

The fifth episode of ShareCast focuses on the data generated in the forest and forestry and timber industries. How is this data created? What is it used for? Who has an interest in it? Why is this data not shared? What stands in the way of this? What potential could be realized if this were to succeed? And how could the obstacles to data sharing in forestry and the timber industry be removed? | listen now

Episode 4: Connected Cars: Improvement or Data Hogs?

Having your own car was once a great promise of freedom. Getting into the car and being able to drive wherever we wanted. And keep to yourself: With your partner or family. This image of the car is still there – and yet another one is slowly taking over. Cars are now highly networked, high-performance machines that are constantly filming, recording and measuring. The manufacturer is virtually at the wheel. | listen now

Episode 3: Smart City: Data Overload?

In the third episode of ShareCast, we talk about the interplay between data and urban development. We take a look at what is associated with the term smart city and discuss the potential and challenges that smart city concepts entail. | listen now

Episode 2: Health Data: Just for Me or Donation?

On the one hand, the sharing of data is intended to provide a major boost to innovation in medical research and help improve healthcare. On the other hand, health data is extremely sensitive data, i.e. data with a clear personal reference that can cause great harm in the wrong hands. This difficult balancing act is illustrated very clearly when it comes to so-called rare diseases. | listen now

Episode 1: Data: Nothing (easier) to share?

We shed light on some of the things behind buzzwords such as sharing economy, data silo, platform economy and open science. And we examine the heterogeneous understandings that are associated with sharing: voluntarily giving away data for a specific purpose, sharing data with a counterpart, passing on data in a group or making data openly available to everyone – these are very different things. | listen now

Episode 0: ShareCast – starting July 1, 2025

| listen now

More about the ShareCast project

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A “Swiss approach”? Data sharing in the Swiss Confederation

Episodencover

Data sharing is no longer a marginal issue, but a central pillar for many forms of innovation. Switzerland is well aware of this and has been systematically pursuing the goal of profitable and trustworthy “multiple use of data” since 2024 with the establishment of a “data ecosystem.” In this episode, we are talking to a Swiss data expert to find out how this is being achieved, whether Switzerland’s approach is consistent with or diverges from European regulations, and present a use case from the agricultural sector. We also discuss whether Switzerland’s size offers a strategic advantage for the efficient development of infrastructure, or whether it makes scaling up in global competition more difficult.

ShareCast Episode 10 – A “Swiss Way”? Data sharing in the Swiss Confederation. January 5, 2026.

Guests

André Golliez is a computer scientist and president of the Swiss Data Alliance.

Noémie Zink is the deputy head of the Digitalization and Data Management Division of the Swiss Federal Office for Agriculture.

all ShareCast episodes
Episode 14: Bonus episode: Proper data sharing is a form of art

Who shares data with whom? Why? How? How not? In this bonus episode, the team takes a look behind the scenes at the podcast’s production, highlights unanswered questions and draws a (provisional) conclusion. | listen now

Episode 13: Sharing data: A question of trust?

What does trust mean in the context of digitalization and data sharing, and how can new data services also create new reasons for trust? To find answers to these questions, we examined electronic trust services and data trustees, among other topics. | listen now

Episode 12: The Politics of Sharing Data

Politicians have high hopes for data sharing, ranging from faster administrative processes to scientific and economic innovations. At the same time, European data policy is operating in a geopolitically tense environment in which it must find its footing. In our twelfth podcast episode, we examine the areas of tension in which politics operates with the goal of digital sovereignty and take a look at the role data trustees play in European digital policy. | listen now

Episode 11: Sharing data without giving it away? The transaction-based data trustee

Sharing data can open up a wide range of opportunities, especially for businesses: processes and products can be optimised, costs saved and new business models developed. At the same time, there are risks: data loss, data theft, data leaks. So is there no such thing as secure data sharing? Transaction-based data trusteeship is a very sophisticated approach to responding to these risks: it aims to make it possible to share data without giving up control over it. | listen now

Episode 10: A “Swiss approach”? Data sharing in the Swiss Confederation

In this episode, we discuss the Swiss data ecosystem and ask whether Switzerland’s approach to European regulations is consistent or divergent, and to what extent the country’s manageable size offers a strategic advantage for the efficient development of infrastructure. | listen now

Episode 9: The Big Limitation? On Data Protection

We encounter data protection modules everywhere. Whether we accept or reject cookies when browsing, sign a consent form at the doctor’s office, or agree to the new terms and conditions when updating our smartphones – we are constantly dealing with data protection consents. On the one hand, data protection sets limits on the sharing of data. On the other hand, it can also be seen as a pull factor for data sharing. In our ninth episode of ShareCast, we take a closer look at the limits and potential of the GDPR. | listen now

Episode 8: Digital Sovereignty: Deciding how to share

Digital sovereignty is one of the key concepts in the debate on digital policy – and is often used to highlight the lack of sovereignty in the digital sphere. This lack did not arise suddenly, but in times of intensifying geopolitical conflicts, these dependencies now appear threatening. What are these dependencies and how do they affect data sharing? And what are the prospects for developing greater digital sovereignty? That’s what episode 8 of ShareCast is all about. | listen now

Episode 7: A dream of open knowledge: data sharing in science

The seventh episode deals with an entire area of modern society: science. We explore the significance of sharing digital data for scientific work and discuss the opportunities and challenges currently being debated in this field. | listen now

Episode 6: Open source software: shared or closed?

Open source software is software under free licences that grants its users four freedoms: to run the software for any purpose, to examine how it works and thus also its source code, to adapt it to their own needs, and to redistribute the software, even in modified versions. This distinguishes it from software that the open source movement refers to as ‘proprietary’ or ‘closed source software,’ which does not offer these ‘fundamental freedoms.’ But how exactly is collaboration and sharing carried out here? What interests determine the open source world, and what conflicts exist? | listen now

Episode 5: Data, Forests, and Timber

The fifth episode of ShareCast focuses on the data generated in the forest and forestry and timber industries. How is this data created? What is it used for? Who has an interest in it? Why is this data not shared? What stands in the way of this? What potential could be realized if this were to succeed? And how could the obstacles to data sharing in forestry and the timber industry be removed? | listen now

Episode 4: Connected Cars: Improvement or Data Hogs?

Having your own car was once a great promise of freedom. Getting into the car and being able to drive wherever we wanted. And keep to yourself: With your partner or family. This image of the car is still there – and yet another one is slowly taking over. Cars are now highly networked, high-performance machines that are constantly filming, recording and measuring. The manufacturer is virtually at the wheel. | listen now

Episode 3: Smart City: Data Overload?

In the third episode of ShareCast, we talk about the interplay between data and urban development. We take a look at what is associated with the term smart city and discuss the potential and challenges that smart city concepts entail. | listen now

Episode 2: Health Data: Just for Me or Donation?

On the one hand, the sharing of data is intended to provide a major boost to innovation in medical research and help improve healthcare. On the other hand, health data is extremely sensitive data, i.e. data with a clear personal reference that can cause great harm in the wrong hands. This difficult balancing act is illustrated very clearly when it comes to so-called rare diseases. | listen now

Episode 1: Data: Nothing (easier) to share?

We shed light on some of the things behind buzzwords such as sharing economy, data silo, platform economy and open science. And we examine the heterogeneous understandings that are associated with sharing: voluntarily giving away data for a specific purpose, sharing data with a counterpart, passing on data in a group or making data openly available to everyone – these are very different things. | listen now

Episode 0: ShareCast – starting July 1, 2025

| listen now

More about the ShareCast project

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3.2. Secure Money – What can blockchain do?

Cover der Folge 3.2_Sicheres Geld - Was kann die Blockchain?

Blockchain is seen as a beacon of hope for secure, transparent, and privacy-friendly digital payments. But how justified are these hopes?

In this episode of Digitalgelddickicht, we take a closer look at Bitcoin, Ethereum, and DeFi. We look at how blockchains function as distributed ledgers, how consensus is achieved without banks or other central authorities, and why transparency is not a voluntary extra, but a fundamental principle of blockchain. Other topics include high energy consumption, the difference between proof of work and proof of stake, and the innovation potential – and risks – of Smart Contracts.

The focus is on the issue of privacy and payment security: contrary to widespread belief, public blockchains do not enable anonymity, but usually only pseudonymity – which can often be dissolved retrospectively. The episode shows what privacy coins are and how additional cryptographic solutions work, how investigative authorities are achieving success, and what unavoidable trade-offs exist between autonomy, convenience, regulation, and security. Maximum privacy does not come automatically when paying on the blockchain, but requires knowledge, effort, and discipline. Instead of hype or demonization, the episode argues for seeing the great innovation potential of blockchain as a young, fascinating basic technology, but also for not falling for false promises and researching into possible and necessary optimization, structural limitations, and risks of the technology.

Digitalgelddickicht Season Secure Money – What can the blockchain do? (German only) | 17 December 2025

Guests

Dr. Clara Schneidewind is a computer scientist and leads the Heinz Nixdorf Research Group for Cryptocurrencies and Smart Contracts at the Max Planck Institute for Security and Privacy. In her research, she aims to develop solutions for the meaningful, secure, resource-efficient and privacy-preserving use of blockchain technologies. She is also a principal investigator in the CASA (Cyber Security in the Age of Large-Scale Adversaries) Cluster of Excellence at Ruhr University Bochum. In her research, she develops solutions for the sensible, secure, resource-efficient, and privacy-preserving use of blockchain technologies. The aim is to create strong theoretical foundations to ensure a high degree of reliability in financial processes.

Jana Ringwald is a senior public prosecutor at the Central Office for Combating Internet Crime (ZIT) of the Public Prosecutor’s Office in Frankfurt/Main. In this role, she has been involved in internationally renowned investigations, such as the seizure of illegally obtained cryptocurrencies worth hundreds of millions of euros. In addition, she represented the Federal Ministry of Justice in the European Judicial Cybercrime Network at Eurojust in The Hague until 2024. She describes her experiences, including the case of the darknet marketplace WallStreetMarket discussed here, in the book “Digital. Kriminell. Menschlich – Eine Cyberstaatsanwältin ermittelt”.

Thomas Moser holds a doctorate in economics and is an Alternate Member of the Governing Board of the Swiss National Bank. Previously, he was an executive director at the International Monetary Fund (IMF). He is also a visiting professor at the University of Lucerne and works and conducts research primarily on CBDCs, crypto assets, and other forms of digital money.

Marek Jessen was a member of the ZEVEDI project Money as a Data Carrier and now works as a consultant for strategy and business of the digital euro at the German Savings Banks Association (DSGV). He has also worked for the Association of German Banks (BdB) and the European Data Protection Supervisor (EDPS).

Sources

Chainalysis: How Chainalysis Helped Uncover an NCA Officer’s Theft of Seized Bitcoin, 16. Juli 2025.

Leslie Lamport, Robert Shostak, Marshall Pease: The Byzantine Generals Problem, ACM Transactions on Programming Languages and Systems (TOPLAS), Vol. 4 (1982), 3, Seiten 382–401.

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3.1. Secure money – Who sees our payments and how they use them

Cover Digitalgelddickicht 3.1. Wer unsere Zahlungen sieht und sie wie nutzt

Digital payments have long been part of everyday life—whether we pay by card, cell phone, or PayPal. But every time we make a payment, we leave behind data tracks. In this opening episode of the season “Secure Money” we ask: Who actually sees this data? Why is payment data so much more sensitive than other data tracks? And how is it used, in particular by the current players in the payment market? Is a vague unease or indifference justified – because proper knowledge about what happens in the background is no given.

The episode discusses the difference between security and privacy, and which players use payment data for personalized offers, services, or other purposes. It highlights the data usage and business models of PayPal, Klarna, Mastercard, Visa, Google, and Apple Pay, traditional commercial banks, and the Wero initiative, and asks which payment options are more “data-light” and which are more “data-intensive.” Finally, we ask what risks could arise from the concentration of payment and user data at Big Tech – and why the handling of payment data is not only relevant on an individual but also on a societal level.

Digitalgelddickicht Season Secure Money – Who sees our payments and how they use them (German only)| 30 October 2025

Guests

Marek Jessen was a member of the ZEVEDI project Money as a Data Carrier and now works as a consultant for strategy and business of the digital euro at the German Savings Banks Association (DSGV). He has also worked for the Association of German Banks (BdB) and the European Data Protection Supervisor (EDPS).

Carolina Melches is an economist and consultant for digitalization and financial innovation at the Finanzwende Recherche. Among other things, she has addressed the risks and regulatory gaps associated with Big Tech in Finance in the study More Money, More Power: Big Tech in Finance (2024). Otherwise she is concerned with digital payments and banking, and digital central bank money. She was previously a research assistant in the German Bundestag.

Markus Montz is an editor at c’t (Heise), where he focuses on financial IT, electronic payments, online banking, and payment fraud.

Antonia Steigerwald is a research assistant at the Sociology Department of the University of Lucerne and a doctoral candidate in the SNF project Digital payments: Making payments personal and social. In this project, she is investigating how value is created from retail and payment data and what social consequences this has for users.

Dr. Markus Unternährer is a postdoctoral researcher at the Sociology Department of the University of Lucerne and a member of the SNF project Digital payments: Making payments personal and social. Having already dealt with the digital economy in his doctoral thesis, he is now researching the convergence of money and data transfers, the role of fintechs and payment infrastructures, and the negotiation processes between banks, payment providers, and users.

More literature

Marek Jessen: Teilt Paypal meine Daten, nur nicht mit mir? Eine Datenabfrage und die Grenzen des Auskunftsrechts, eFin-Blog, 6 November 2024 (German only).

Carolina Melches: Big Techs im Finanzwesen. Warum wir klare Regeln für Alipay, Apple Pay und Co brauchen, eFin-Blog, 10 July 2024 (German only).

Carolina Melches and Michael Peters: More Money, More Power: Big Techs in Finance, Finanzwende Recherche, Berlin 2024.

Alle Folgen der dritten Staffel des Digitalgelddickichts

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Connected Cars: Improvement or Data Hogs?

Episodencover

Your own car – that used to be a great promise of freedom. Climb into your car and go wherever you like, on your own terms. And do it all in private: with your partner or your family. This image of the car still exists – yet slowly, a new one is taking its place. Cars have now become highly connected, high-performance machines that constantly record, measure, and monitor their surroundings. In a way, the manufacturer is virtually in the driver’s seat, through hundreds of sensors, microphones, cameras, and also devices connected to the car, such as your smartphone and the vehicle’s app. And in the future, cars are expected to become even more independent – for example, capable of driving fully “autonomously.” This shift from mechanically driven to software-driven vehicles requires one thing above all: data. That’s why, in the fourth episode of ShareCast, we discuss the present and future of connected cars, their insatiable appetite for data, and the latest approaches to data management currently being explored in the automotive industry.


ShareCast Episode 4 – Connected Cars: Improvement or Data Hogs? 02 September 2025

Guests

Mysha Rykov, works as an independent researcher, previously with the Mozilla Foundation and Big Tech.
Paul Hannappel, Head of Mobility & Logistics at Bitkom.

Michael Zrenner and Michael Minich, Data Scientist and Project Manager for Connected Car Data at HUK-Coburg.

More information


The Mozilla study “Privacy Not Included” on connected cars can be found here.
The investigative report by Wirtschaftswoche on Catena-X can be read here.

all ShareCast episodes
Episode 14: Bonus episode: Proper data sharing is a form of art

Who shares data with whom? Why? How? How not? In this bonus episode, the team takes a look behind the scenes at the podcast’s production, highlights unanswered questions and draws a (provisional) conclusion. | listen now

Episode 13: Sharing data: A question of trust?

What does trust mean in the context of digitalization and data sharing, and how can new data services also create new reasons for trust? To find answers to these questions, we examined electronic trust services and data trustees, among other topics. | listen now

Episode 12: The Politics of Sharing Data

Politicians have high hopes for data sharing, ranging from faster administrative processes to scientific and economic innovations. At the same time, European data policy is operating in a geopolitically tense environment in which it must find its footing. In our twelfth podcast episode, we examine the areas of tension in which politics operates with the goal of digital sovereignty and take a look at the role data trustees play in European digital policy. | listen now

Episode 11: Sharing data without giving it away? The transaction-based data trustee

Sharing data can open up a wide range of opportunities, especially for businesses: processes and products can be optimised, costs saved and new business models developed. At the same time, there are risks: data loss, data theft, data leaks. So is there no such thing as secure data sharing? Transaction-based data trusteeship is a very sophisticated approach to responding to these risks: it aims to make it possible to share data without giving up control over it. | listen now

Episode 10: A “Swiss approach”? Data sharing in the Swiss Confederation

In this episode, we discuss the Swiss data ecosystem and ask whether Switzerland’s approach to European regulations is consistent or divergent, and to what extent the country’s manageable size offers a strategic advantage for the efficient development of infrastructure. | listen now

Episode 9: The Big Limitation? On Data Protection

We encounter data protection modules everywhere. Whether we accept or reject cookies when browsing, sign a consent form at the doctor’s office, or agree to the new terms and conditions when updating our smartphones – we are constantly dealing with data protection consents. On the one hand, data protection sets limits on the sharing of data. On the other hand, it can also be seen as a pull factor for data sharing. In our ninth episode of ShareCast, we take a closer look at the limits and potential of the GDPR. | listen now

Episode 8: Digital Sovereignty: Deciding how to share

Digital sovereignty is one of the key concepts in the debate on digital policy – and is often used to highlight the lack of sovereignty in the digital sphere. This lack did not arise suddenly, but in times of intensifying geopolitical conflicts, these dependencies now appear threatening. What are these dependencies and how do they affect data sharing? And what are the prospects for developing greater digital sovereignty? That’s what episode 8 of ShareCast is all about. | listen now

Episode 7: A dream of open knowledge: data sharing in science

The seventh episode deals with an entire area of modern society: science. We explore the significance of sharing digital data for scientific work and discuss the opportunities and challenges currently being debated in this field. | listen now

Episode 6: Open source software: shared or closed?

Open source software is software under free licences that grants its users four freedoms: to run the software for any purpose, to examine how it works and thus also its source code, to adapt it to their own needs, and to redistribute the software, even in modified versions. This distinguishes it from software that the open source movement refers to as ‘proprietary’ or ‘closed source software,’ which does not offer these ‘fundamental freedoms.’ But how exactly is collaboration and sharing carried out here? What interests determine the open source world, and what conflicts exist? | listen now

Episode 5: Data, Forests, and Timber

The fifth episode of ShareCast focuses on the data generated in the forest and forestry and timber industries. How is this data created? What is it used for? Who has an interest in it? Why is this data not shared? What stands in the way of this? What potential could be realized if this were to succeed? And how could the obstacles to data sharing in forestry and the timber industry be removed? | listen now

Episode 4: Connected Cars: Improvement or Data Hogs?

Having your own car was once a great promise of freedom. Getting into the car and being able to drive wherever we wanted. And keep to yourself: With your partner or family. This image of the car is still there – and yet another one is slowly taking over. Cars are now highly networked, high-performance machines that are constantly filming, recording and measuring. The manufacturer is virtually at the wheel. | listen now

Episode 3: Smart City: Data Overload?

In the third episode of ShareCast, we talk about the interplay between data and urban development. We take a look at what is associated with the term smart city and discuss the potential and challenges that smart city concepts entail. | listen now

Episode 2: Health Data: Just for Me or Donation?

On the one hand, the sharing of data is intended to provide a major boost to innovation in medical research and help improve healthcare. On the other hand, health data is extremely sensitive data, i.e. data with a clear personal reference that can cause great harm in the wrong hands. This difficult balancing act is illustrated very clearly when it comes to so-called rare diseases. | listen now

Episode 1: Data: Nothing (easier) to share?

We shed light on some of the things behind buzzwords such as sharing economy, data silo, platform economy and open science. And we examine the heterogeneous understandings that are associated with sharing: voluntarily giving away data for a specific purpose, sharing data with a counterpart, passing on data in a group or making data openly available to everyone – these are very different things. | listen now

Episode 0: ShareCast – starting July 1, 2025

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Digitalgelddickicht. On the political future of currency and values – a teaser

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Season 1 of Digitalgelddickicht approaches the topic of the digital euro from as many angles as possible, explaining, trying to understand and asking questions. With the help of interviewees from academia, representatives of commercial banks and the ECB, civil society and the EU Parliament, it sheds light on as many aspects as possible and adopts different perspectives in a total of 10 episodes.

An offer for all those who want to take a closer or random look at the opportunities and problems of a digital euro, the criticism of and hopes for a future digital central bank money.

Digitalgelddickicht – Episode 0 | 4 April 2023

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Season 2 – Small money, big impact? – Teaser

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In the second season, we look at small digital money. There are a large number of digital payment transactions that we hardly notice. The reason for this is that the sums involved are small. Small and tiny amounts: a subscription here, a tip, a one-off payment for a service there. In this podcast, we examine the weight of small money along different modes of digital payment. On the one hand, small digital money is expensive as soon as it starts moving, as the technical and transactional costs are relatively high compared to a giro transfer or handling coins. However, digital payments, for example by simply “holding on” to a smartphone or online by credit card, also give the impression of being particularly easy, instant and convenient. It is even marketed as particularly inclusive and democratic. A small amount for the individual can have a big impact – a justice-friendly idea. But for whom, and how? Does it correspond to the truth?

Digitalgelddickicht Season Small Payments – Teaser (German only) | 17 December 2024
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