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Christian Hecker es uno de los emprendedores más innovadores de Europa. Es el fundador de Trade Republic, la plataforma que está transformando el mundo de las inversiones al hacerlas accesibles para todos. Nos ha invitado a sus impresionantes oficinas en Berlín para hablar sobre su trayectoria, su mentalidad y cómo ha construido una de las fintech más exitosas del mundo. La historia de Christian demuestra que, con visión y perseverancia, se pueden lograr cosas inimaginables.
Christian Hecker es uno de los emprendedores más innovadores de Europa. Es el fundador de Trade Republic, la plataforma que está transformando el mundo de las inversiones al hacerlas accesibles para todos. Nos ha invitado a sus impresionantes oficinas en Berlín para hablar sobre su trayectoria, su mentalidad y cómo ha construido una de las fintech más exitosas del mundo. La historia de Christian demuestra que, con visión y perseverancia, se pueden lograr cosas inimaginables.
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00:00Hoy voy a entrevistar a Christian Hecker.
00:02Nació en un pequeño pueblo de Alemania
00:04y a día de hoy es el fundador
00:05de una empresa valorada en más de 5.000 millones de euros.
00:10Estamos de camino a sus oficinas,
00:11estamos en Berlín, para preguntarle
00:13cómo ha conseguido llegar hasta aquí.
00:22Bueno, estoy ya por aquí en las oficinas de Tere Republic.
00:25Tengo a Christian a mi lado.
00:27Vamos a empezar la entrevista.
00:28Y de verdad que espero que aproveites este video
00:30ya que es algo que no se puede conseguir todos los días.
00:34¿Cómo estás, Christian?
00:35Bienvenido de conocerte.
00:36Bien, gracias por venir a Berlín.
00:38Sí, es un gran placer tenerlo en mi canal.
00:41Y te gustaría preguntarle
00:43¿cuál es la cantidad de dinero en ases
00:46que tienes en tu broker ahora mismo, Tere Republic?
00:50Empezamos en 2019 y ahora, 5 años después,
00:52somos 4 millones de clientes administrando
00:54más de 35 millones de euros de ases,
00:56que, en realidad, nos hace el mayor
00:58brokerage firm en Europa.
00:59Amazing, congratulations por eso.
01:01Y en tu personal vida,
01:04¿dónde estás de tu familia?
01:06¿Has creado en una familia rígida para crear
01:09ese broker?
01:10¿Cómo es tu historia?
01:12Sí, yo creo que nunca hubiera pensado
01:14de estar en el banco o en el tech
01:16cuando yo era joven.
01:18En fact, yo crecí en el norte de Alemania
01:20en un ciudadano de Dortmund.
01:22They están jugando contra Barça ahora
01:23y han jugado contra Madrid
01:26horrible.
01:28En un muy rural, un pequeño town.
01:31Mi padre era un car dealer, un car dealer.
01:33Mi madre tenía un pequeño negocio.
01:34Lo de lo que estaba en el sector
01:36y aparte de bancarmanos
01:39y el mundo de la ciudadano
01:41de Silicon Valley como puedes imaginar.
01:43Después de la escuela,
01:44yo empecé a graduar en la filosofía.
01:48Yo realmente me hechaba
01:49desde el año.
01:51En el cual tendría que me han
01:53se me ha Empecé en la empresa
01:53Vestal a una gran empresa
01:55shrinkada, Merrill Lynch,
01:57en Frankfurt.
01:58Y luego en 2015, conocí mi co-founder, Tomás, que estaba estudiando física en ese momento.
02:04Y nos hablamos sobre lo que está sucediendo en el mundo.
02:07Y pensamos que hay una disrupción en el banco y que la pension gap es un gran tema.
02:12Y ahora estamos aquí.
02:14Así que fue una vida de muy sorpresas.
02:17Y me dijo que estudiamos filosofía y la historia de la arte.
02:23Y cambió el banco en el mundo.
02:28¿Por qué hiciste ese cambio, ese cambio?
02:32Yo creo que cuando llegué a la escuela,
02:34pensé que filosofía es una gran manera de broadener el horizonte.
02:38Y leer libros.
02:40Y, sinceramente, no sé qué hacer.
02:42Así que empecé a filosofía y luego empecé a las minas en la historia de arte.
02:48Y, por lo tanto, creo que,
02:49y, por lo tanto, me reconozó que esta es la fastest manera de becoming a taxi driver.
02:53Uno de los mejores y educados taxi drivers.
02:56Y, por lo tanto, me encontré en un workshop
02:59llamado Banking for Non-Bankers
03:01de Deutsche Bank.
03:02Y, por lo tanto, resulta en un internshipo en Deutsche Bank.
03:05Y, por lo tanto, en la torre,
03:07en el, no sé, 20, 30s floor,
03:09y, mirando left y right,
03:10y, por lo tanto, la gente era tan diferente
03:11de la filosofía.
03:13Y, por lo tanto, me hacía mucho tiempo.
03:16Y, por lo tanto, me quedé en la noche
03:18y luego, me quedé en la noche
03:19de esto.
03:20Y, luego, me quedé en la industria,
03:21y luego, me dejé en la industria.
03:22Y, ¿y trabajaste en Banking of America?
03:25Sí.
03:26¿Qué cosas te encuentres en trabajar
03:29en Banking of America
03:30que no te gusta que te guste
03:32y te deseo cambiar
03:33y te deseo cambiar ahora
03:35con Trade Republic?
03:37Creo que, en la empresa,
03:38en la empresa,
03:38y, en la empresa,
03:39y, en la empresa,
03:40me quedé en la industria
03:42y, en la farmacía,
03:43no se hagan nada
03:44sobre ITAC,
03:46nada sobre ITAC,
03:46nada sobre ITAC,
03:47y, luego, como un German,
03:49me fui estaban en el IPO
03:51de Rocket Internet,
03:53que fue, en 2015,
03:55un de los hotos ITAC que hubo en Europa.
03:57Y, luego, fui aquí a Berlín
04:00para conocer
04:00Rocket Internet Management
04:02y, frente a la dirección
04:04de la gente,
04:05la gente no iba a vestir
04:06suits but shorts and decisions were done very very swiftly and everybody was young and ambitious and
04:12cool and like back in the days in the workshop I fell in love with startups I fell in love
04:17with
04:18technology and I remember till it was yesterday going back with a plane I thought to myself oh
04:23my god they're doing the future now I'm doing the past right and so I think then that motivated me
04:28to go into into startup and I mean many things I learned in investment banking helped me today to
04:35navigate the challenges in being a founder right of being numbers focused of being really
04:42details driven when it comes to some things and so I think we took a lot of the good things
04:47of
04:47investment banking here but I think we try to have a more healthy work ethic a more healthy culture
04:53so people can really run the marathon over years and don't burn out after a couple of years I'm sure
04:58that having that kind of mission super ambitions it's super nice but it's also super hard for
05:05for the regulators to understand what you're doing and creating something that it's an old industry
05:13that it's so hard to enter inside what was the most hard things that you you had to do for
05:19creating
05:20trade so I can say you first that till today everything is very hard there's never been an easy
05:25phase in doing this but let's go maybe make back to 2015 we just found a trade republic and we
05:30need money
05:31and so I was pitching to investors the idea that people in Europe who historically never invested
05:38into stock market would all of a sudden start investing right and I would pitch to investors
05:43that me as a 25 year old would be able to found a bank in Germany which historically is one
05:49of the
05:50hardest regulatory environments right and everybody called it bullshit and we would for five years not
05:56come close to any investment right so for five years we were bootstrapping everything
06:01and we were getting a tiny bit of money from ancient investors 50,000 here 100,000 there so we've
06:08basically been bankrupt every quarter and during the time we still figured out we need to be banked we
06:15need to be regulated right and so I think trade republic is one of the very few fintechs out there
06:20where we the two founders have really written the banking application ourselves so I can today say
06:26from the 1.2 thousand pages of application I've written myself two three four hundred pages right
06:32and try to teach me the stuff themselves so to your question I think because we have such a deep
06:38appreciation of regulatory matters and this authentic understanding of it till to this very day we never
06:44had big problems with a regulator unlike many other fintechs maybe and that's why if you look behind you we
06:49got this full banking license hanging on our wall you had a super big success in Germany right quite
06:55fast do you think that regulation it's really what did yet trade republic works so good in in Germany it
07:03wasn't a fast success right it could it took five years to come to that point where we could launch
07:07right and to be honest I think during these five years I thought we would be maybe a company of
07:12hundred thousand customers maybe two hundred thousand customers I could have not thought that we would
07:16call multi-million customers across Europe right I think that's not how you think as an early founder
07:21um but yes I think we we always wanted to build a platform where people could build wealth
07:25and for me it was um since the very first day clear that to build something where people would
07:31store their wealth you need to be highly regulated like never shortcut on regulation right and you need
07:37to be a beautiful product with a great technology behind it so at trade public we have not bought a
07:43core
07:43banking system we build ourselves to this very day I approve every single screen in the app before
07:49it goes out to our customers so we incredibly protocol product focused product obsessed because we believe
07:54that the user experience combined with impeccable regulation is the number one key to convince people to
08:00store their money with us how are you growing in other countries that it's not Germany Spain France Italy I
08:08think
08:08many people tell you that going to different European markets is tough and then obviously you are successful
08:14in Germany and then you go to France you go to Spain you go to Italy and you think it's
08:18going to be
08:18fine right it's a great product with a price advantage and product advantage it's going to work out and now
08:24today three years later I can tell you international success is literally a fight for the knife in the
08:30mud you need to understand every single market you understand the customers their needs their requirements
08:35regulation right and eventually you need to build up trust and that takes a lot of time so I'm very
08:41excited to say that now in Spain we are growing extremely fast right I think we're the fastest
08:45growing brokerage player in the country and we have hundreds of thousands spend yards being happy customers
08:50with us and then spreading the word to others we're even now in the TV campaigns with our interest offering
08:56right so it's a market now picking up but to come to that point it took us two and a
09:01half years three
09:01years to get there right and but we're not done yet we have this idea to the public that we
09:06will not go to
09:07America we will not go to southern America or Asia our market is Europe it's actually continental Europe not even
09:13UK
09:14and now we want to go deep in every single European market and for the last two years we invested
09:20a lot into
09:21infrastructure and not into local regulation that in Spain next year we want to offer a Spanish IBAN
09:27right the Spanish tax service to people right even mutual funds and other stuff right so we really
09:34want to go deep into the market and create the most local offering you can find and then match what
09:39the
09:39incumbents are offering yeah it will be amazing to have all of that news and what do you think that
09:45it's a great investment strategy for a person living in Spain or in other countries in Europe with a like
09:53normal job yes that can save some money each month I'm a person and maybe this is coming back from
09:58my
09:58philosophy days where I think complex problems deserve a simple answer right because many people tell you
10:05investing is so hard and so complex and there's so multiple strategies somebody worked in investment
10:10banking and now for the last 10 years every single day thinking about how should you invest your money
10:15I can tell you it's quite easy every investor has only two superpowers two superpowers diversified and
10:21compound diversified and compound so that means basically that you are diversifying across the
10:27most number of companies right and compound means that you just do it month by month by month
10:33because then you are averaging out the buy-in price effect so I can tell you today the best solution
10:38for
10:399 out of 10 people in Europe is an ETF savings plan on the MSCI world the MSCI world means
10:45basically the
10:45largest thousand customers on earth in every given moment in time and a savings plan means basically
10:51you're doing this month by month by month by month and so statistically speaking that's the most
10:57predictable way of growing your wealth materially on the next 30 years right and so investing comes
11:03down to one very simple question every morning you wake up you brush your teeth and you ask yourself do
11:08I believe that the world economy is going to grow in the next 30 years yes or no it's a
11:13very simple
11:13question and everybody has a feeling on this and if the answer is yes you should keep on going with
11:19your ETF
11:19savings plan if the answer is no you should take your money and make a party because to be honest
11:24if
11:24the world economy is not growing in the next 30 years your pension is not the problem right then the
11:28world has different problems than this and I think investing can be that that easy and by now it's not
11:34a secret we see millions of young people first-time investors doing exactly this on a month-by-month basis
11:40in almost every European market and so we're very proud of helping them I totally agree with your idea and
11:45that strategy and in your personal case right I don't know if you can share what was your portfolio
11:52investment portfolio because you thought that that's super nice for nine to ten persons in Europe
11:58but maybe if you have a lot of money you need to do other kind of strategies yes unfortunately I
12:04don't
12:05have a lot of money it's a lot of excel money which is not which is not really there right
12:09um nobody
12:10jokes aside so as I told you I growing up in in in western Germany very small town and my
12:14focus in high
12:15school was mathematics and politics so as an 18 year old I want to be very smart so I went
12:20to the
12:20local bank and I had not much money three thousand euros and I told the bank when I was just
12:25getting
12:2518 I want to invest my money and the banking advisor sold me a discount certificate on the euro stocks
12:32your stocks index and back then I thought it's a great idea it's a great product um eventually the
12:37euro crisis happened and I lost all my money so all my life savings it's a true story I lost
12:41with that
12:42first banking product I've ever bought right and the funny anecdote is that the advisor the banking
12:47advisor was my football trainer so the same person but that's a different story so basically I think
12:52um I did a really big mistake when I was young right a complex product high cost and um since
12:59then
12:59I had no money to invest so during university I got a scholarship no money and then investment banking
13:04you're not allowed to invest because of all the compliance rules right so the first time the second
13:09time in my life I could invest my money was when we started trader public and since today I have
13:13two or three ETFs like I told you it's a savings plan this is all my money into it and
13:18just next to it
13:18I have um 11 shares of Borussia Dortmund you know it's my favorite my favorite soccer team it's a horrible
13:24investment but um I tend to believe it's an emotional emotional dividend I get from this but yeah the
13:30truth is all my money is into ETFs and maybe a stock once or twice if I believe into it
13:34but um I'm a big
13:35believer in doing what you preach I totally agree and I think that it's super nice that you you invest
13:41about what you really think that's the way and you're really a stock market guy so you don't do
13:48investment advice so don't buy Dortmund shares it's uh not a good yeah yeah but it's important to to
13:54enjoy the money and buy something that that you you really like and there are a lot of people that
14:00don't want to start investing because they they're afraid maybe about a crash something that you you
14:06you told me in the product that you bought what do you think that it's a nice strategy to protect
14:11against a crash in stock market if you zoom out um I think you always get this crash question
14:17um and historically people have suffered a lot from crashes but let's maybe just take a second
14:22talking about um how people would invest in the past and how we invest today so in the past you
14:27would get single stocks with high transaction fees and to rebalance your portfolio was very cumbersome
14:34right so people in the 70s 80s or 90s would exactly invest like this you hold one two three stocks
14:39high cost um no really uh reshuffling of it right today is different today with an with an ETF you
14:46hold
14:46a vast basket of things you pay 20 basis points like 0.2 percent in fees which is nothing right
14:52and with
14:52an app you can basically trade for free right so um i think we need to realize that the way
14:58shocks
14:58infect you is much different than it was in last 50 to 100 years right it's pretty much buffered
15:04because i think let's be honest the last three four years we had horrible macroeconomic volatility
15:10we got um covet one covet two we got the war in ukraine we get inflation we get now the
15:16the the
15:17the reduction of interest rates right so many of the young investors who are investing for the first
15:22time in their life with us have seen one of the most trickiest uh capital markets environments and a
15:27lot of crashes by the way right during covet one or two we saw some mondays juices 20 30 stock
15:32markets
15:33down right um but then when you have this uh etf portfolio you don't really see or feel it right
15:38and eventually the market takes care of you i think that's the beauty of it so i wouldn't worry too
15:44much
15:44about it right just stay put invest in the long run ask yourself if the world economy is going to
15:49grow
15:49if you're a believer in peace and a believer in technological progress and the rest i think will
15:53be fine yeah i think it's just to understand that it's a long-term yes and it's going to be
15:59easier to
16:00to don't be afraid about that kind of things can you show with us something new about true republic
16:05that we're going to see in in the next month or maybe years you told me some super cool things
16:12that
16:12are going to arrive to spain but right at global level sure so i mean if you if you if
16:18you look back to the
16:18history of the republic right we started as a brokerage offering anchored around savings plans
16:23then last year we went into interest offering right um having now the highest interest rate amongst
16:28offerings in uh germany spain italy right and then just this year we launched a card like a payments
16:33card right so eventually you want to make trade republic the home for your wealth so in the next
16:38years we're basically focused on three big things first of all as i told you want to localize in the
16:43markets so we offer you locally the best most convenient product you can find right second
16:49we want to go further into our banking offering so you got a bank of a checking account all the
16:53convenience features you really are looking for and that we offer to you what your customary bank
16:58is offering and third maybe most importantly we're going to diversify further how you can invest your
17:04money new asset classes new products new things right which will help you to really diversify your wealth
17:09better um and to over the next 20 30 years um and make your money grow because i mean the
17:15majority of
17:16our customers are 30 years of age in average right and the the good news for everybody watching is that
17:22statistically speaking you tenfold like 10 times increase your private wealth over the next 20 years
17:28of your life so between 30 and 50 your private wealth grows a lot so for trader public it's a
17:34question
17:35about how can we have the best products for you over those next 20 years you stay with us to
17:41grow your
17:41money to be happy and successful and all of that will come with multiple improvements of the app
17:46redesign and some cool things um and if you look around many people are working as late a day and
17:51still they're working very hard so um we're very focused on shipping these things the next month to come
17:56so totally understood thank you very much for your time congratulations for all that you you're creating
18:03and yeah thank you it was a pleasure thanks a lot
18:09well this is the video of today I really hope you liked it for me it has been a pleasure
18:12to have
18:13been able to know the history of christian we have come to berlin to be able to share your story
18:18with
18:18you and if you liked it don't hesitate to leave a like don't forget to create a
18:23totally gratis account of the republic you have the link in the description and see you in the next video
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