Symfony Profiler

"_format=html&_locale=en&_controller=App%5CStartPlatz%5CBundle%5CWebsiteBundle%5CController%5CDefaultController%3A%3AfooterAction"

"App\StartPlatz\Bundle\WebsiteBundle\Controller\DefaultController::footerAction"

"html"

"en"

"db6856"

"*/*"

"ISO-8859-1,utf-8;q=0.7,*;q=0.7"

"gzip, br, zstd, deflate"

"en-us,en;q=0.5"

"www.staging.startplatz.de"

"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"

"216.73.216.180, 172.22.0.12"

"www.staging.startplatz.de"

"443"

"https"

"c7c6e7953db4"

"0"

"216.73.216.180"

"no-cache, private"

"Tue, 11 Aug 2026 05:11:44 GMT"

"4e45f1"

""

"https://91-98-152-15.sslip.io"

"187719847589952"

"2L0-UBEtXjD-ODU3On8eqJrZPFY"

"startplatz"

"cloudinary://187719847589952:2L0-UBEtXjD-ODU3On8eqJrZPFY@startplatz"

"cron_sp_X9kM4nQ7pR2sT6vW8yB1"

""

""

"flock"

""

""

""

""

""

""

""

""

""

"STARTPLATZ"

"eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6InBsZW8tb3BlbmFwaS1wcm9kdWN0aW9uIn0.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.eskzOV1wxUCFvywF1toHuc7SiOPx3UAottMTrHjgq8eg1gPkGCtx1tWqJD1lQkPFTz1xg1mvqDFiRG1L9x0KsRxJDuZZmAhdCeqYXX-jHjuhcb30jIbxV-I8hK9PleetN065UgU7Stemdu_NTT466p8wvbsvChylaJ216iKUQPoEJ5vyWM97NxFTcGzRh-z_oUSv77DefZVm2QL3r-27fc4ADPSwGPiBr-m2aK2ec_X_VWMvCfj-5GTs1mh03488ohJB6zT4qGbH2dnMJsBxYebeBz6yByh-YL9KclYpRjvnh54cnLcQ8Dguw94Rty9ygMqyyIvqHz-Hl48p9CjJ6aVoK1y5yUqmaExu5nPEvDEjmH1XXYeV8CutElk9FVtieulFmO09vcJ-by1Xj-mWRVg8Bgm6vqseWsrc7zFHL9cibl5zRSm8dh14MUl27Xeb6kAhG5mSvr5qGz3ElIfItbYvj4QqlKDoUzjHgTQ_CiaiVRyUqDVr_XbaHfSuz9cJEXLFFZ204yJfv3jfR4wcfnKwdLRwyrBZ9uEzmrfWVgXVOzwS_zd3vWBy4V1OUUwEvpn2w-CjICjluvaYOXRVUu4JLQVNTDfrbAvRIifXn2DuHQRKvo2HpovdDCMRvr64JkHt5OC54x_FDuTxH6qzHXyAFhqtRPgPlta4W7o7EcA"

""

"%kernel.project_dir%/var/cache/sessions"

"https://api.skool.com/groups/ki-campus/webhooks/5f76ae64499d42a49dafbf613fec3ec0"

"https://api.skool.com/groups/ki-treffpunkt/webhooks/af0324eeef3d40649f8d16607fe6e7b9"

"50670"

"test"

"data/test-bewerbungen"

""

""

""

""

""

""

"56270c619d358c2ae785ac51f34364b6da489b937833f159429c741904eb2231"

"ccd435bcd6e647fc089f36c486db89dbacdfed4e7ea665289fc4bb9e0ef1c61c"

"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"

"1"

"dev"

"/var/www/html"

"Symfony\Component\Runtime\SymfonyRuntime"

[
  "project_dir" => "/var/www/html"
]

"a8A3I6BRkJE2ppNaBcgPec5i6E8Iwqwm"

"UBs7DJs5mgZhSaCvjxqjdfG4hMJAUnJQnvJEH7F6xKy1eDjhTJ9EPNBe0M2KMC9q"

"pub_8c05c30c-27b3-495f-9b05-44c3eb2ff471"

"ß33872622iklmn9%&ikllm"

""

""

"mysql://startplatz:kpp8o9pWYAp2@startplatz-staging-mysql:3306/startplatz-wordpress"

"/var/www/html/public"

"/index.php"

"e2e.startplatz.de"

"lorenz.graef@startplatz.de"

"alexandra.thelen@startplatz.de"

"admin@startplatz.de"

"johannes.graef@startplatz.de"

"1NrjWZrE53dSqWFmMNz0oRd8i22VFmK1Oww9huGp8DPry8EfK1Oj9h6HeW7fyDUM"

"Fjqj30ZbQorEtdpRfw3T19eAkOgrrgzq4WcExyLrxuot0bzkDpUrjpv41YH8dgBK"

"9njde49xtcsoswco4c80oggkwwoo080osow8soo8go4gkw0gwwgc8sck4wgw08og"

"YnHmfQYjOQ01hZ97zQKhsDLcvPc632dhdYjnUYuE4ZzkbAfkyC2TbOGOckUBFBDZ"

"RESPONDER"

"CGI/1.1"

"3itm-7j58-6ze8-3w8q-qd74-23ya-67gi"

"362738537448-3emin0190lrs2pjl8nfvuloo4knkf2fa.apps.googleusercontent.com"

"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"

"Ic9EtKKSDzOOlGYFHp2lPg"

"1007935741"

"1//03rKZxfSh7_W1CgYIARAAGAMSNwF-L9IroN0bLWI_GswKpWMaPafJfbBc4SRds3mgttzV5ADirtT7_vh9yKQg04wjxG-XVp-QimE"

"AFD8691FDAEDF03BDF6E460563F15A9B715376CA 9D7F99A0CB8F05C8A6958D6256A97AF7600A39A6 0616E93D95AF471243E26761770426E17EBBB3DD"

"uqZnU3M1yyyQ7n6lIxUVs9UMXNvD60876JGxlrPmbCImw70r48YYeOOKZbfl"

"/home/www-data"

"dev"

"*/*"

"ISO-8859-1,utf-8;q=0.7,*;q=0.7"

"gzip, br, zstd, deflate"

"en-us,en;q=0.5"

"www.staging.startplatz.de"

"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"

"216.73.216.180, 172.22.0.12"

"www.staging.startplatz.de"

"443"

"https"

"c7c6e7953db4"

"216.73.216.180"

"pat-na1-72043aa0-44a4-4dd6-b57a-5759597c4642"

"1e712a28-62f9-46e0-99f5-13f6bdc0ec70"

"44225308"

"2795177"

"secret-mb7SAjB50ESxpuB07s6SXqVPe"

"whsec_0efmpntgpinwt1s2641fegeq1o3w9la7"

"a7e5ebbb7d4966bad11c6ca9b94699b4-us5"

"be73f77d94"

"null://null"

"null://null"

"455qg651n4so0npqf6unama8pv"

"kohhlns9q6ipohd72oe356oq07"

"https://www.staging.startplatz.de/allmeda/meetup/callback"

"doctrine://default?queue_name=default"

"EAAKFICOQZBK0BSJa7Mb7Ydd4q7gE7rZC49pNnwP6bXndJ6tKs3Me55x1lKGDfIXKcJmC4t0cVpauFfuJ1WU1wdBjqbZAZBfUu8l1u6sFkn71N3h2VPVxJWOHcXZBK6syBzJdb45xIxSeQf9PlWk19q1LvGogKeo3Vfx2sev398GzqG0yBnJmkMUQvDbVoYAZDZD"

"EAAerPqXZCTbkBRFRDRoJEHTKCvEMmD1VgtTbXtO39dGZB2qAU0kAYc9Mqb6Ms9V4eBlL211Tdnk3oHunCVQykwpddAWOCaI5HVfiZAPacH2VNUY9JvH3CR33WxtEFhBBeTE3qbcAD8E6WMzl9hRoFCxwPA9j73j2uXkuCg4h58vNZBOFFPFkrWBkZBmNSDgZCzvQZDZD"

"e28b7b6fdcfeea9fa66475524cb4e0a2"

"367308473131474"

"375845979147453"

"EAAKFICOQZBK0BRVPgGrjtDWMzyZCnImKg37HDL4zt629pVgWmWkeZBnWppqvhfJ0NRjhWRulcphxwa0gA1UJfR9P4xofmEzl2l3jbisoLNHrQtXgoj8vHKl8pqjz0dAdnlrRdhArn5Jyd3MuSwyjd808K0wSEMAX7aCSdbR2jfa0APn45VyzEqhP36FdpZBrbx75nAZDZD"

"EAAKFICOQZBK0BRbmpEWTsZB5ZCZCjgNujR9qDa3927DJZCJai2ZBHbc7u1vUxFRgqMbrIfsPLHQUSxdToZAPICa86BQ3hlYn8ffvuZBDf3rfv1AhiBfon2NfPbxk7OfUt5g0fMQ1z5JPmb6qToo7AqOukfHCgjU1NN3OOs4mFZCOePFICCc7hKBb09oZCpujqZB8YrAsqSQjgZDZD"

"85c80a066572b825942da65b1c7697b334346780cc5ce36732472345115aa475"

"startplatz@lennarz-consulting.de"

"startplatz@lennarz-consulting.de"

"lorenz.graef@startplatz.de"

"b606468ea2e7f82acb4e15b659cc883cKcPML2JFNUyU8PA1dtEiar5XohXNB6xn"

"7b5757976946d59f77bc91d74ebdbd60jB4JUS8rasnaR1BTD1OwXzx9316aHW0b"

"c0c8e924c966fbf562c59646ee67b2a3sh4WFrDN3XxPiwKcskvfcRWQyzWOy4Bu"

"kid_CARaApizUqkUu0sg"

"sk_O8JJRALqXhN7kQuOK9LvGikEcsuBktk0"

"kid_tbOV3dqfhHoDqbDp"

"sk_jkod57ccnd1Ijgez0wjmfmz374eHixKI"

"kid_oMUrBpI01rcEh5uM"

"sk_9JIObTWMjxv085IrcfVJveub6xcbCUGP"

"kid_ZReGktSdRQbR8vZd"

"sk_PX1ADMjtzbkQGZD28B7RlsmoRsfk0Tld"

"kid_exAuXGEO4S1GK8OY"

"sk_9y2NOIpKlDsybHX3CpM4Q19fRxAvvhnX"

"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"

"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"

"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin"

""

"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"

"papi-e2251a49-feb5-440d-be2d-b96d500c9289"

"papi-Y2VkMjNiZTUtODZkOC00MGM0LWE0MTgtYmNlNDZjOTIzZDA1"

"autoconf \t\tdpkg-dev dpkg \t\tfile \t\tg++ \t\tgcc \t\tlibc-dev \t\tmake \t\tpkgconf \t\tre2c"

"https://www.php.net/distributions/php-8.4.24.tar.xz.asc"

"-fstack-protector-strong -fpic -fpie -O2 -D_LARGEFILE_SOURCE -D_FILE_OFFSET_BITS=64"

"-fstack-protector-strong -fpic -fpie -O2 -D_LARGEFILE_SOURCE -D_FILE_OFFSET_BITS=64"

"/usr/local/etc/php"

"-Wl,-O1 -pie"

"/index.php"

"e127be09a8506f4327c5cfa78a614b00d210714484ec215ce0011b4a03c00731"

"https://www.php.net/distributions/php-8.4.24.tar.xz"

"8.4.24"

"/var/www/html"

"startplatz-ai-hub-gmbh-7057"

"b6d51ce3d4af4ab46546c97233e1d296718872520d8017ef921709f5f2b62234"

"familie-graf-holding-gmbh-2881"

"a966378f41e498548c27b1633fc7d345f61695b6d118fd5f269b4fe26c6c7775"

"golf-post-ag-1712"

"78aad72c3d26dc74c75a1516b24381f52523f2dbbd9972ebbb095c362c9a2cb1"

"startplatz-koeln-gmbh-2905"

"95f816a715cc5bc1f2358599caf0ca454741896a820cc9b99795f99c7bb05d49"

"startplatz-duesseldorf-gmbh-3237"

"fc4f2b5ae4abfb6932ec66f5e20cd32d17740504838c40bf52951ec69e88aafb"

"_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CStartPlatz%255CBundle%255CWebsiteBundle%255CController%255CDefaultController%253A%253AfooterAction"

"200"

"127.0.0.1"

"57926"

"GET"

"http"

1786425104

1786425104.0396

"/_fragment?_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CStartPlatz%255CBundle%255CWebsiteBundle%255CController%255CDefaultController%253A%253AfooterAction"

"re_gP9RoYZ9_A6AxvmtxuYTraPDMteY2VeNz"

"e2e.startplatz.de"

"/var/www/html/public/index.php"

"/index.php"

"172.22.0.7"

"dev.startplatz.de"

"80"

"HTTP/1.1"

"nginx/1.27.5"

"1"

"802fe57aa7a178d556ed14937253fe3ddf96834655553ad6780fadfdde8bdb11"

"xoxb-22688965603-11102474461793-c23ekshqpRpvYuNoEoP3MGfJ"

"c6fd09306423dd490fe18f4bfcd702d672ef7dcdc157b105099a5046c9128063"

"001"

"startplatz-staging-mysql"

"startplatz-wordpress"

"kpp8o9pWYAp2"

"startplatz"

"staging.www.staging.startplatz.de"

"www.staging.startplatz.de"

"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"

"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"

"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"

"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"

"ojWxv1978YWU"

"sk_test_51PmYwGDCU56CMQmgpcCdmzVTjiym8wom2WWiAAuVOUhS55972eM73wDNRDEBfGMnoLSt81yqW5CKCyraQKPDTb6y00xGk2RMpj"

"sk_test_51PeutFFqPnUaAUP6UqT3hbkwOzm9p0bmMrYVUzb7tG9QXo44yrn9MXcG7SLClxzSk29YkkrjXq0YPRguF6EwrNfM00nUAe3oG0"

"sk_test_51O8fFSHegJLrFARiXBFfwCkkRCTyr64RpTlYx5X7FPNEKDSRhQHgb7X9WELyNzmMkMT39tavykkZbtbWDsCz0Tc800bNFXrtbH"

"sk_test_51QxQltE7CeifmjQUUi4dqtrptSM08rRKRIU9QaXWJFVByoPhOTbQPqfhJJ2VZ5ltUl6JfPxaepcckLmaACG9AYjp00o0EHUzMP"

"whsec_IhBWwzKzI6Wlarqw4pTnpaxrH7YEvNyl"

"whsec_yqgxxJvddBinUKIThXxoklhFvrdnOrEr"

"whsec_VeLsQhCBdNcOcIvwlsbuU6ckTEGJVTaN"

"whsec_IhBWwzKzI6Wlarqw4pTnpaxrH7YEvNyl"

"whsec_TVCR6s4R9j6LtkshVthDPjj4QHEh1XDe"

"/var/www/html/.env"

"CLOUDINARY_URL,CLOUDINARY_CLOUDNAME,CLOUDINARY_API_KEY,CLOUDINARY_API_SECRET,SESSION_SAVE_PATH,OPENAI_ORGANIZATION,OPENAI_ADMIN_KEY,ANTHROPIC_ADMIN_KEY,MANDRILL_API_KEY,STATISTIC_ZAPIER_API_KEY,CRON_API_KEY,WALKIN_SCAN_CHANNEL_ID_CGN,WALKIN_SCAN_CHANNEL_ID_DUS,SKOOL_WEBHOOK_KI_CAMPUS,SKOOL_WEBHOOK_KI_TREFFPUNKT,TEST_DATA_PATH,PLEO_SP_CGN_TOKEN,MONSUM_WEBHOOK_USER_CGN,MONSUM_WEBHOOK_PASSWORD_CGN,MONSUM_WEBHOOK_USER_DUS,MONSUM_WEBHOOK_PASSWORD_DUS,MONSUM_WEBHOOK_USER_TESTPLATZ,MONSUM_WEBHOOK_PASSWORD_TESTPLATZ,WP_API_USERNAME,WP_API_PASSWORD,WP_API_BASE_URL,REDIS_URL,STRIPE_MODE,TYPEFORM_WEBHOOK_SECRET,META_CAPI_TEST_CODE,INSTAGRAM_ACCESS_TOKEN,INSTAGRAM_ACCOUNT_ID,LOCK_DSN,CHATBOT_BASE_URL"

"REMOTE_ADDR"

"AC361123adb81224dd32caf04a6c41d9fe"

"35470da64905cd973456bc4e727e13c2"

"www-data"

"https://www.startplatz.de/wp-json/wp/v2"

"lSFFfrfi24zjRXtmqlwxWlBx"

"Allmeda"

"sk_6b66b9739d5e49b500f0e3e2c76fedf5f789a8aabeb73f2a607ff55ce736dc98"

0

[]

"Startplatz\Bundle\WordpressIntegrationBundle\Controller\PassthruController::passthruAction"

"security.firewall.map.context.main"

"startplatz_wordpress_passthru"

[
  "path" => "what-the-heck-is-fintech/"
]

[]

"_security_main"

[
  Symfony\Component\Security\Http\Authenticator\Debug\TraceableAuthenticator {#2375
    -supports: false
    -passport: null
    -duration: null
    -stub: "App\StartPlatz\Bundle\UserBundle\Security\LoginLinkAuthenticator"
    -authenticated: null
    -exception: null
    -authenticator: App\StartPlatz\Bundle\UserBundle\Security\LoginLinkAuthenticator {#2376 …}
  }
  Symfony\Component\Security\Http\Authenticator\Debug\TraceableAuthenticator {#2373
    -supports: false
    -passport: null
    -duration: null
    -stub: "Symfony\Component\Security\Http\Authenticator\FormLoginAuthenticator"
    -authenticated: null
    -exception: null
    -authenticator: Symfony\Component\Security\Http\Authenticator\FormLoginAuthenticator {#2093 …}
  }
  Symfony\Component\Security\Http\Authenticator\Debug\TraceableAuthenticator {#2378
    -supports: false
    -passport: null
    -duration: null
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    #sp-public-nav .user-menu a:hover{background:var(--line)}\n
    #sp-public-nav .user-name{\n
      padding:8px 14px 6px;font-size:.82rem;color:var(--grey-soft);\n
      border-bottom:1px solid var(--line);margin-bottom:4px;\n
      max-width:220px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;\n
    }\n
    #sp-public-nav .user-logout{margin-top:4px;border-top:1px solid var(--line);border-radius:0 0 7px 7px}\n
    #sp-public-nav .login{font-size:.95rem;color:var(--ink);opacity:.82}\n
    #sp-public-nav .login:hover{opacity:1}\n
    #sp-public-nav .join{\n
      font-size:.95rem;font-weight:600;\n
      color:#fff;background:#7AB800;\n
      padding:9px 18px;border-radius:980px;\n
      transition:background .18s ease;\n
    }\n
    #sp-public-nav .join:hover{background:#5a8a00}\n
    \n
    #sp-public-nav .panel{\n
      position:absolute;top:calc(100% + 0px);left:50%;\n
      transform:translateX(-50%) translateY(6px);\n
      background:var(--panel);\n
      border:1px solid var(--line);\n
      border-radius:var(--radius);\n
      box-shadow:0 18px 60px -12px rgba(0,0,0,.18),0 4px 14px rgba(0,0,0,.05);\n
      padding:24px 28px;\n
      opacity:0;visibility:hidden;pointer-events:none;\n
      transition:opacity .2s ease,transform .2s ease,visibility .2s;\n
      z-index:1001;\n
    }\n
    #sp-public-nav .nav-item:hover>.panel,\n
    #sp-public-nav .nav-item.is-open>.panel{\n
      opacity:1;visibility:visible;pointer-events:auto;\n
      transform:translateX(-50%) translateY(0);\n
    }\n
    \n
    #sp-public-nav .slim{display:flex;flex-direction:column;min-width:230px}\n
    #sp-public-nav .slim-2col{display:flex;gap:48px}\n
    #sp-public-nav .slim-city{display:flex;flex-direction:column}\n
    #sp-public-nav .slim-head{\n
      font-size:.72rem;font-weight:600;letter-spacing:.01em;\n
      color:var(--grey);\n
      margin-bottom:16px;white-space:nowrap;\n
    }\n
    #sp-public-nav .big-list{display:flex;flex-direction:column;gap:11px}\n
    #sp-public-nav .big-list a{\n
      font-size:1.55rem;font-weight:700;line-height:1.18;\n
      color:var(--ink);letter-spacing:-.01em;white-space:nowrap;\n
      transition:color .15s ease;\n
    }\n
    #sp-public-nav .big-list a:hover{color:#000;opacity:.7}\n
    /* B-1733: In Dropdowns mit Rangfolge (Events, Für Unternehmen, Startupwelt, AI Hub, Über uns)\n
       trägt nur der erste Eintrag die volle Größe — die folgenden treten zurück und führen den Blick\n
       auf das Hauptziel. Coworking/Konferenzräume bleiben ungestuft (Einträge dort sind gleichrangig). */\n
    #sp-public-nav .big-list-tiered a:not(:first-child){\n
      font-size:1.05rem;font-weight:600;line-height:1.3;\n
      color:var(--grey);letter-spacing:0;\n
    }\n
    #sp-public-nav .big-list-tiered a:not(:first-child):hover{color:var(--ink);opacity:1}\n
    /* B-2155: Nebeneintrag im Stadt-Block (AI Community Pass) — tritt gegenüber den\n
       gleichrangigen Hauptprodukten zurück, bleibt aber mit Badge auffindbar. */\n
    #sp-public-nav .big-list a.nav-sub{\n
      font-size:1.05rem;font-weight:600;line-height:1.3;\n
      color:var(--grey);letter-spacing:0;\n
      display:inline-flex;align-items:center;gap:8px;\n
    }\n
    #sp-public-nav .big-list a.nav-sub:hover{color:var(--ink);opacity:1}\n
    #sp-public-nav .nav-badge{\n
      background:#9535ff;color:#fff;\n
      font-size:.62rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;\n
      padding:2px 7px;border-radius:999px;line-height:1.4;\n
    }\n
    #sp-public-nav .slim-divider{height:1px;background:var(--line);margin:20px 0 14px}\n
    #sp-public-nav .slim-foot{\n
      display:flex;align-items:center;justify-content:space-between;\n
      gap:24px;white-space:nowrap;\n
    }\n
    #sp-public-nav .slim-cta{\n
      font-size:.95rem;font-weight:600;color:#5a8a00;\n
      transition:color .15s ease,opacity .15s ease;\n
    }\n
    #sp-public-nav .slim-cta:hover{color:#7AB800;opacity:.85}\n
    /* B-1473: Probetag-CTA pro Stadt-Spalte; Footer nur noch Memberships (rechtsbündig) */\n
    /* B-2174: Der Probetag-CTA hing per festem margin-top direkt unter der Liste und\n
       rutschte damit mit jeder zusaetzlichen Zeile nach unten. Seit dem AI Community Pass\n
       (B-2155) hat Duesseldorf einen Eintrag mehr als Koeln -> die beiden CTAs standen\n
       33px versetzt. margin-top:auto schiebt ihn an den Spaltenboden; die Spalten sind\n
       durch das flex-stretch in .slim-2col ohnehin gleich hoch. Das padding haelt den\n
       Abstand zur Liste, wenn eine Spalte exakt ausgefuellt ist. */\n
    #sp-public-nav .slim-city-cta{margin-top:auto;padding-top:16px}\n
    #sp-public-nav .slim-foot-single{justify-content:flex-end}\n
    #sp-public-nav .slim-over{\n
      font-size:.9rem;font-weight:400;color:var(--grey);\n
      transition:color .15s ease;\n
    }\n
    #sp-public-nav .slim-over:hover{color:var(--ink)}\n
    \n
    #sp-public-nav .burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;\n
      width:32px;height:32px;align-items:center;justify-content:center}\n
    #sp-public-nav .burger span{display:block;width:18px;height:1.5px;background:var(--ink);position:relative}\n
    #sp-public-nav .burger span::before,#sp-public-nav .burger span::after{content:"";position:absolute;left:0;width:18px;height:1.5px;background:var(--ink)}\n
    #sp-public-nav .burger span::before{top:-5px}#sp-public-nav .burger span::after{top:5px}\n
    \n
    /* ===== Mobile Drill-Down-Overlay (Apple-Stil) ===== */\n
    #sp-public-nav .mobile{\n
      display:none;position:fixed;inset:0;z-index:1005;\n
      background:#fff;flex-direction:column;overflow:hidden;\n
    }\n
    #sp-public-nav .mobile.open{display:flex}\n
    \n
    /* Header: Logo + Schließen */\n
    #sp-public-nav .mob-topbar{\n
      flex:0 0 auto;height:var(--bar-h);\n
      display:flex;align-items:center;justify-content:space-between;\n
      padding:0 22px;border-bottom:1px solid var(--line);\n
      background:rgba(255,255,255,.92);\n
      backdrop-filter:saturate(180%) blur(14px);\n
      -webkit-backdrop-filter:saturate(180%) blur(14px);\n
    }\n
    #sp-public-nav .mob-logo img{height:24px;display:block}\n
    #sp-public-nav .mob-close{\n
      width:32px;height:32px;border:0;background:transparent;\n
      color:var(--grey-soft);font-size:22px;line-height:1;cursor:pointer;\n
      display:flex;align-items:center;justify-content:center;border-radius:50%;\n
    }\n
    #sp-public-nav .mob-close:active{background:#f2f2f4}\n
    \n
    /* Sliding viewport */\n
    #sp-public-nav .mob-viewport{flex:1 1 auto;position:relative;overflow:hidden}\n
    #sp-public-nav .mob-level{\n
      position:absolute;inset:0;overflow-y:auto;-webkit-overflow-scrolling:touch;\n
      background:#fff;transition:transform .3s cubic-bezier(.32,.72,0,1);\n
    }\n
    \n
    /* Level 1 */\n
    #sp-public-nav .mob-level1{transform:translateX(0);display:flex;flex-direction:column;z-index:1}\n
    #sp-public-nav .mobile.in-sub .mob-level1{transform:translateX(-26%)}\n
    #sp-public-nav .mob-l1-list{flex:1 1 auto;padding:6px 0 4px}\n
    #sp-public-nav .mob-l1-row{\n
      display:flex;align-items:center;justify-content:space-between;width:100%;\n
      background:transparent;border:0;text-align:left;\n
      padding:17px 22px;font-size:17px;color:var(--ink);font-weight:500;\n
      letter-spacing:-.012em;cursor:pointer;position:relative;font-family:inherit;\n
    }\n
    #sp-public-nav .mob-l1-row + .mob-l1-row::before{\n
      content:"";position:absolute;top:0;left:22px;right:0;height:1px;background:var(--line);\n
    }\n
    #sp-public-nav .mob-l1-row:active{background:#f7f7f8}\n
    #sp-public-nav .mob-chev{color:#aeaeb2;font-size:20px;font-weight:400;line-height:1;margin-left:12px}\n
    \n
    /* Level 1 footer */\n
    #sp-public-nav .mob-foot{\n
      flex:0 0 auto;border-top:1px solid var(--line);\n
      padding:16px 22px 22px;display:flex;align-items:center;gap:14px;flex-wrap:wrap;\n
    }\n
    #sp-public-nav .mob-lang{font-size:13px;color:var(--grey);letter-spacing:.02em}\n
    #sp-public-nav .mob-lang a{color:var(--grey)}\n
    #sp-public-nav .mob-lang a.active{color:var(--ink);font-weight:600}\n
    #sp-public-nav .mob-lang .sep{color:#aeaeb2;margin:0 4px}\n
    #sp-public-nav .mob-login{font-size:14px;color:var(--ink);font-weight:500}\n
    #sp-public-nav .mob-pill{\n
      margin-left:auto;background:#7AB800;color:#fff;font-size:14px;font-weight:600;\n
      padding:9px 18px;border-radius:999px;letter-spacing:-.01em;white-space:nowrap;\n
    }\n
    #sp-public-nav .mob-pill:active{background:#6aa300}\n
    \n
    /* Level 2 panels */\n
    #sp-public-nav .mob-panel{\n
      transform:translateX(100%);display:flex;flex-direction:column;z-index:2;\n
    }\n
    #sp-public-nav .mob-panel.active{transform:translateX(0)}\n
    #sp-public-nav .mob-sub-header{\n
      position:sticky;top:0;flex:0 0 auto;\n
      background:rgba(255,255,255,.92);\n
      backdrop-filter:saturate(180%) blur(14px);\n
      -webkit-backdrop-filter:saturate(180%) blur(14px);\n
      border-bottom:1px solid var(--line);z-index:5;\n
    }\n
    #sp-public-nav .mob-back{\n
      display:flex;align-items:center;gap:4px;width:100%;\n
      background:transparent;border:0;text-align:left;\n
      padding:15px 20px;font-size:17px;font-weight:600;letter-spacing:-.015em;\n
      color:var(--ink);cursor:pointer;font-family:inherit;\n
    }\n
    #sp-public-nav .mob-back-arrow{color:#7AB800;font-size:21px;line-height:1;margin-right:2px}\n
    #sp-public-nav .mob-back:active{opacity:.6}\n
    #sp-public-nav .mob-l2-body{flex:1 1 auto;padding:8px 0 4px}\n
    #sp-public-nav .mob-group-head{\n
      font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;\n
      color:#aeaeb2;padding:18px 22px 7px;\n
    }\n
    #sp-public-nav .mob-l2-row{\n
      display:block;padding:14px 22px;font-size:16px;color:var(--ink);\n
      font-weight:400;letter-spacing:-.01em;position:relative;\n
    }\n
    #sp-public-nav .mob-l2-row + .mob-l2-row::before{\n
      content:"";position:absolute;top:0;left:22px;right:22px;height:1px;background:var(--line);\n
    }\n
    #sp-public-nav .mob-l2-row:active{background:#f7f7f8}\n
    #sp-public-nav .mob-ext{font-size:12px;color:#aeaeb2;margin-left:5px;vertical-align:1px}\n
    \n
    /* CTA area */\n
    #sp-public-nav .mob-cta-area{\n
      flex:0 0 auto;border-top:1px solid var(--line);\n
      padding:18px 22px 24px;display:flex;flex-direction:column;gap:12px;\n
    }\n
    #sp-public-nav .mob-cta{\n
      display:block;text-align:center;background:#7AB800;color:#fff;\n
      font-size:16px;font-weight:600;padding:14px 18px;border-radius:14px;letter-spacing:-.01em;\n
    }\n
    #sp-public-nav .mob-cta:active{background:#6aa300}\n
    #sp-public-nav .mob-cta-secondary{\n
      display:block;text-align:center;color:var(--ink);font-size:15px;font-weight:500;padding:2px;\n
    }\n
    \n
    @media(max-width:1023px){\n
      #sp-public-nav .nav,#sp-public-nav .bar-right{display:none}\n
      #sp-public-nav .burger{display:flex}\n
    }\n
    </style>\n
    <div id="sp-public-nav">\n
    \n
    <!-- ============ TOP BAR ============ -->\n
    <header class="bar">\n
      <div class="bar-inner">\n
        <a class="logo" href="/" aria-label="STARTPLATZ">\n
          <img src="https://res.cloudinary.com/startplatz/image/upload/c_scale,w_180/v1614775163/logos/STARTPLATZ_Logos/STARTPLATZ_Logo.png" alt="STARTPLATZ">\n
        </a>\n
    \n
        <nav class="nav" id="nav">\n
    \n
          <!-- ===== Büros & Coworking ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Büros &amp; Coworking</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-2col">\n
                                <div class="slim-city">\n
                    <div class="slim-head">Köln</div>\n
                    <div class="big-list">\n
                      <a href="https://www.startplatz.de/coworking-koeln/">Coworking</a>\n
                      <a href="https://www.startplatz.de/teambuero-koeln/">Teambüros</a>\n
                      <a href="https://www.startplatz.de/geschaeftsanschrift-koeln/">Geschäftsadresse</a>\n
                    </div>\n
                    <a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz/coworking-probetag-koln">Probetag buchen →</a>\n
                  </div>\n
                  <div class="slim-city">\n
                    <div class="slim-head">Düsseldorf</div>\n
                    <div class="big-list">\n
                      <a href="https://www.startplatz.de/coworking-duesseldorf/">Coworking</a>\n
                      <a href="https://www.startplatz.de/buero-duesseldorf/">Teambüros</a>\n
                      <a href="https://www.startplatz.de/geschaeftsanschrift-duesseldorf/">Geschäftsadresse</a>\n
                      <a class="nav-sub" href="https://www.startplatz.de/ai-community-pass-duesseldorf/">AI Community Pass<span class="nav-badge">Neu</span></a>\n
                    </div>\n
                    <a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz-dus/coworking-probetag-dusseldorf">Probetag buchen →</a>\n
                  </div>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot slim-foot-single">\n
                  <a class="slim-over" href="https://www.startplatz.de/memberships/">Memberships &amp; Tarife →</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Konferenzräume ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Konferenzräume</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">Konferenzräume entdecken</div>\n
                <div class="big-list">\n
                  <a href="https://www.startplatz.de/koeln-tagungsraeume-und-konferenzraeume/">Konferenzräume Köln</a>\n
                  <a href="https://www.startplatz.de/duesseldorf-tagungsraeume-und-konferenzraeume/">Konferenzräume Düsseldorf</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                            <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=koeln">Raum in Köln buchen</a>\n
                  <a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=duesseldorf">Raum in Düsseldorf buchen</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Events ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Events</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">Events entdecken</div>\n
                <div class="big-list big-list-tiered">\n
                  <a href="https://www.startplatz.de/events">Alle Events</a>\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.startplatz.de/events">Zu allen Events</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Für Unternehmen (Business Innovation) ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Für Unternehmen</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">Business Innovation entdecken</div>\n
                <div class="big-list big-list-tiered">\n
                  <a href="/business-innovation/">Für Unternehmen</a>\n
                  <a href="/business-innovation/ai-experience-day/">AI Experience Day</a>\n
                  <a href="/business-innovation/startup-scouting/">Startup Scouting</a>\n
                  <a href="/business-innovation/trusted-advisor/">Trusted Advisor</a>\n
                  <a href="/business-innovation/partnerschaften/">Partnerschaften &amp; Sponsoring</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.cal.eu/julian-palaszewski-aqkzwq" target="_blank" rel="noopener">Gespräch vereinbaren</a>\n
                  <a class="slim-over" href="https://startplatz-ai-academy.de/unternehmen" target="_blank" rel="noopener">AI Academy →</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Startupwelt ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Startupwelt</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">Startupwelt entdecken</div>\n
                <div class="big-list big-list-tiered">\n
                  <a href="https://www.startplatz.de/accelerator/">KI Accelerator</a>\n
                  <a href="https://www.startplatz.de/open-accelerator">Inkubator</a>\n
                  <a href="https://www.startplatz.de/gruendungsstipendium-nrw/">Gründungsstipendium NRW</a>\n
                  <a href="https://www.rheinlandpitch.de" target="_blank" rel="noopener">Rheinland-Pitch</a>\n
                  <a href="https://www.startplatz.de/startups">Unsere Startups</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.startplatz.de/accelerator/">Jetzt bewerben</a>\n
                  <a class="slim-over" href="https://www.startplatz.de/sprechstunden/">Sprechstunden, Mentoring &amp; mehr →</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== AI Hub ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">AI Hub</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">AI Hub entdecken</div>\n
                <div class="big-list big-list-tiered">\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/masterclasses/">Webinare &amp; Masterclasses</a>\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/ki-campus/">KI Campus</a>\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
                  <a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
                  <a href="https://www.startplatz.de/ai-hub-rheinland-koeln-frankreich-startplatz/">Frankreich-Initiative</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.startplatz.de/ki-experten">Dozent:in werden</a>\n
                  <a class="slim-over" href="https://startplatz-ai-academy.de/" target="_blank" rel="noopener">Zur AI Academy →</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Über uns ===== -->\n
          <div class="nav-item" data-menu>\n
            <div class="nav-link">Über uns</div>\n
            <div class="panel">\n
              <div class="slim">\n
                <div class="slim-head">STARTPLATZ entdecken</div>\n
                <div class="big-list big-list-tiered">\n
                  <a href="https://www.startplatz.de/ueber-uns/">Über STARTPLATZ</a>\n
                  <a href="https://www.startplatz.de/startplatz-team/">STARTPLATZ Team</a>\n
                  <a href="https://www.startplatz.de/standorte/">Standorte</a>\n
                  <a href="https://www.startplatz.de/partner">Partner</a>\n
                </div>\n
                <div class="slim-divider"></div>\n
                <div class="slim-foot">\n
                  <a class="slim-cta" href="https://www.startplatz.de/karriere/">Karriere</a>\n
                  <a class="slim-cta" href="https://www.startplatz.de/partner-werden/">Partner werden</a>\n
                </div>\n
              </div>\n
            </div>\n
          </div>\n
    \n
          <!-- ===== Blog (direct link) ===== -->\n
          <div class="nav-item">\n
            <a class="nav-link" href="https://www.startplatz.de/blog/">Blog</a>\n
          </div>\n
    \n
        </nav>\n
    \n
        <div class="bar-right">\n
          <div class="lang">\n
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                        <h1 style="line-height: 2em;">What the heck is FinTech, anyway??</h1>\n
                        <p class="date">28. September 2015, 14:00 :: <a href="https://www.staging.startplatz.de/category/allgemein/" rel="category tag">Allgemein</a></p>\n
                        <p class="date">Autor: lgraef</p>\n
                        <p><p>„Wie war noch mal deine E-Mail-Adresse? Dann schicke ich dir das Geld gleich per Paypal.“ Die E-Mail Adresse wird genannt, das Smartphone gezückt und in Binnen von Minuten die Rechnung für das gemeinsame Essen beglichen. Kein Karte-aus-dem-Portemonnaie-kramen oder Aufsagen der 22 Ziffern der IBAN. Im Zeitalter der Smartphones sollen Zahlungsvorgänge schnell und unkompliziert laufen &#8211; und komplett bargeldlos. Das verspricht die FinTech-Branche, wie beispielsweise das Geld-App Startup swish, die das Bezahlen per SMS ermöglicht.<span id="more-30128"></span> FinTech (<em>fin</em>ancial services und <em>tech</em>nology) bringt die Finanzdienstleistungsbranche in das digitale Zeitalter und kombiniert damit Aufgaben der Finanzbranche mit modernsten Technologien (Hardware und Software). Die meist jungen Unternehmen der Branche reagieren damit auf die Veränderung der Kundenbedürfnisse, die im Kontext individueller Ansprüche, Mobilität und Vernetzung schnellere, einfachere, flexiblere und damit kundenzentrierte Finanzlösungen suchen. Bestehende Verfahren sollen vereinfacht werden, sodass zu jeder Zeit und an jedem Ort finanzielle Transaktionen möglich sein können.</p>\n
    <p>Viele neue Ideen in der FinTech-Branche ermöglichen den Kunden Funktionen der Bank zu nutzen, wie beispielsweise Bezahlvorgänge durchzuführen oder Kredite aufzunehmen, ohne dabei Banken direkt einzubinden. Diese sind zwar im Hintergrund noch aktiv, doch laufen viele der Prozesse über die Software der Startups ab. Eine Lizensierung als Bank ist für die Startups dabei nicht notwendig, was den Eintritt in den Markt und die Umsetzung erleichtert. Es ist für junge Unternehmen ohnehin kaum möglich mit der Gesetzgebung im Bankwesen eine Banklizenz zu erhalten sowie das nötige Kapital dafür aufzubringen. Diese Lizenz wäre jedoch nötig, um die wichtigsten Funktionen einer Bank, wie Zahlungsabwicklung und Kreditvergabe, selbst durchzuführen.</p>\n
    <p>Im speziellen geht es\u{A0}darum, auf die Ansprüche und Bedürfnisse der modernen Kunden an das traditionelle Bankwesen zu reagieren und eine Effizienzsteigerung der Prozesse im Banksystem zu ermöglichen. Damit bietet die Branche innovative Lösungen für eingestaubte Prozesse oder entdeckt Nischen, die bislang durch die großen Banken noch unentdeckt geblieben sind. Damit dringen sie in Teilbereiche des Bankwesens ein und stehen in gewisser Form als Konkurrenten gegenüber. Auf der anderen Seite können Startups Aufgabenfelder erobern, die für Banken durch hohe Overheadkosten nicht profitabel wären. Die Innovationen der FinTech Branche beziehen sich auf verschiedene Bereiche, von Mobile-Payment über Crowdfinanzierungsformen zu Geldanlagen oder Finanzverwaltung, sogar die Entwicklung eigener Währungen wie Bitcoin oder der Stars-Währung von Starbucks zählt dazu. Mittlerweile reagieren die Banken und gehen auf die digitale Transformation durch Kooperationen mit Startups aus der FinTech-Branche ein, um Kundenbeziehungen nicht zu verlieren, da sie\u{A0}bereits heute über Dienste wie Paypal oder Sofortüberweisungen nur noch im Hintergrund beteiligt sind.</p>\n
    <p>Das Startup vexcash kooperiert beispielsweise mit der net-m Privatbank oder SmartÜberweisung mit der Deutschen Bank AG. Die Commerzbank sorgt mit der Gründung des Tochterunternehmens Main Incubator GmbH schon bei den ersten Schritten der FinTech-Startups für Unterstützung und agiert als Anker-Investor. Damit kann die Infrastruktur, das Know-How und der Datenstamm der Banken genutzt und mit den neuen, agilen und modernen Anwendungen der Startups kombiniert werden. Das Interesse an der neuen Branche ist groß. Die Anzahl der weltweiten Venture Capital-Investitionen in FinTech-Unternehmen stieg laut Statista (Stand 2015) von 55 im Jahr 2010 auf 216 im Jahr 2014. Das weltweite Investitionsvolumen betrug 2010 noch 520 Millionen US-Dollar. 2014 lag die Zahl schon bei 2,8 Milliarden US-Dollar. In Deutschland wird die Entwicklung in der FinTech-Branche gedämpfter gesehen. Zwar schießen auch hier FinTech-Startups aus dem Boden, doch ist fraglich, ob Deutschland für diese Branche der richtige Markt ist. Zu den deutschen Startups gehören beispielsweise Payleven und cringle (Mobile Payment), elefunds und fraisr (Spenden), Kreditech, Auxmoney und Decimo (Kreditvergabe) sowie Number26 und Fodor (Finanzverwaltung).</p>\n
    <p>Im Vergleich mit den skandinavischen Ländern, wie Schweden oder Dänemark, oder den Vereinigten Staaten, hinkt Deutschland in seinem Nutzungsverhalten hinterher. Dort ist die Bezahlung mit bargeldlosen Methoden, wie beispielsweise mit der Kreditkarte, ganz natürlich und überall möglich. Die Innovationsbereitschaft ist höher und folglich fallen\u{A0}neue, digitale Bezahlmethoden, Programme und Apps auf fruchtbaren Boden. Kritische Stimmen sagen sogar schon ein Sterben der FinTech-Branche in Deutschland voraus. Nach Carsten Maschmeyer (AWD-Gründer und Startup-Investor), hätten nur etwa 10% der deutschen Startups eine Überlebenschance. Mangelndes Vertrauen in Startups, die sich noch keinen Namen in den Dimensionen der großen Banken machen konnten, zu viele Schritte im Registrierungsprozess, in denen zusätzlich noch zu viele Daten erfragt werden, wirken den Zielen der Technologie entgegen und geben das Gefühl als Nutzer transparent zu sein. Zudem verlieren Bezahlvorgänge im Vergleich zu Barzahlungen an Anonymität, Transaktionen können somit stärker kontrolliert werden. Für die private Finanzverwaltung durchaus positiv, wenn das Vertrauen in den Anbieter jedoch noch nicht vorhanden ist, könnte dies eine Hürde für den Kunden darstellen.</p>\n
    <p>Datenschutz spielt dabei eine enorm wichtige Rolle und muss nicht nur gewährleistet sondern auch transparent für den Kunden dargestellt werden. Auch hardwareseitig zeigen sich Probleme. Kontaktloses Bezahlen mit der NFC-Technologie (Near Field Communication) ist zwar möglich. Doch obwohl die Technologie in vielen EC-Karten und Smartphones vorhanden ist und der Einzelhandel (wie Aldi Nord, Lidl und Mediamarkt) vereinzelt bereits darauf reagiert hat, scheint sich die Technologie in der Praxis jedoch noch nicht durchzusetzen. Ein flächendeckendes Bezahlsystem wäre ein Schritt in die richtige Richtung, um den Verbrauchern die Vorteile eines solchen Bezahlsystems näher zu bringen. Dass sich das Bankenwesen zukünftig immer stärker digitalisieren\u{A0}und anpassen muss, ist notwendig um mit der allgemeinen Entwicklung Schritt zu halten.</p>\n
    <p>Derzeit wird die FinTech-Branche bei dieser Entwicklung als disruptiver Faktor gesehen, die den großen Banken vor Augen führt, dass diese zu lange nicht auf die Veränderungen der digitalen Welt reagiert haben. Dafür bieten die kreativen Köpfe der FinTech-Branche Lösungen. Um sich jedoch durchzusetzen und nicht im Flickenteppich der FinTech-Startups zu verschwinden ist (zumindest in Deutschland) die Kooperation mit großen Banken notwendig.\u{A0}Diese Entwicklung kann\u{A0}zu mehr Vertrauen\u{A0}und Akzeptanz der Technologie\u{A0}führen und den Weg für weitere FinTech-Innovationen ebnen. Allerdings sollte nicht außer Acht gelassen werden, dass die notwendige Kooperation zur Abhängigkeit der jungen Unternehmen von den großen Banken führen kann, was viele Startups in eine Nische zurück drängen würde. Die große Frage ist nun, wie sich das Verhältnis zwischen Banken und Startups gestalten wird.</p>\n
    <p>Ob die Banken mit eigenen Innovation\u{A0}nachziehen und damit unabhängige Startups der FinTech-Branche in ihre Nischen zurück treiben oder ob sich diese Startups auch ohne Kooperation etablieren können, werden wir in den kommenden Jahren sehen. Für alle Interessierten findet am 08.10.2015 \u{A0}die zweite große FinTech Konferenz bei uns im Startplatz statt. Mit dabei sind unter anderem Jochen Sieger (traxpay), Gernot Overbeck (Fintura), Joschka Friedag (Cringle), Jana Koch (comdirect), Susanne Krehl (Barzahlen), Tim Schneider (FinTech Weekly), Ralf Heim (Fincite), Thomas Müller (voola), Philipp Kalwies (Decimo) und Benjamin &amp; Alexander Michel (dwins). <strong>Wir danken unseren Sponsoren\u{A0}\u{A0}<a href="http://www.railslove.com/?utm_source=startplatz&amp;utm_medium=website">Railslove </a>und <a href="http://www.railslove.com/?utm_source=startplatz&amp;utm_medium=website">Bank-Verlag</a>\u{A0}schon vorab für die tolle Unterstützung.</strong> Die Anmeldung dazu findet ihr <a href="https://www.startplatz.de/event/what-the-fintech-volume-2/">hier</a>. Ebenso finden in unregelmäßigen Abständen die FinTech Meetups im Startplatz statt, die Zeit zur Vernetzung und Diskussion zum Thema FinTech bieten. Die nächsten Termine findet ihr <a href="http://www.meetup.com/de/FinTech-Meetup-Koln-Bonn/">hier</a>.</p>\n
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       </span>    </div>    </a>        <div class="sf-toolbar-info">        <div class="sf-toolbar-info-piece">            <b>Loading the web debug toolbar&hellip;</b>        </div>        <div class="sf-toolbar-info-piece">            Attempt #<span id="sfLoadCounter-3030f8"></span>        </div>        <div class="sf-toolbar-info-piece">            <b>                <button class="sf-cancel-button" type="button" id="sfLoadCancel-3030f8" title="Cancel loading">Cancel</button>            </b>        </div>    </div></div>                                <button class="sf-toolbar-toggle-button" type="button" id="sfToolbarToggleButton-3030f8" accesskey="D" aria-expanded="true" aria-controls="sfToolbarMainContent-3030f8" aria-label="Toggle Symfony Toolbar">        <i class="sf-toolbar-icon-opened" title="Close Toolbar"><svg xmlns="http://www.w3.org/2000/svg" data-icon-name="icon-tabler-x" width="24" height="24" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">    <path stroke="none" d="M0 0h24v24H0z" fill="none"></path>    <line x1="18" y1="6" x2="6" y2="18"></line>    <line x1="6" y1="6" x2="18" y2="18"></line></svg></i>        <i class="sf-toolbar-icon-closed" title="Open Toolbar"><svg xmlns="http://www.w3.org/2000/svg" role="img" aria-label="Symfony" width="24" height="24" viewBox="0 0 24 24"><path fill="currentColor" d="M12 .9C5.8.9.9 5.8.9 12a11 11 0 1 0 22.2 0A11 11 0 0 0 12 .9zm6.5 6c-.6 0-.9-.3-.9-.8 0-.2 0-.4.2-.6l.2-.4c0-.3-.5-.4-.6-.4-1.8.1-2.3 2.5-2.7 4.4l-.2 1c1 .2 1.8 0 2.2-.3.6-.4-.2-.7-.1-1.2.1-.3.5-.5.7-.6.5 0 .7.5.7.9 0 .7-1 1.8-3 1.8l-.6-.1-.6 2.4c-.4 1.6-.8 3.8-2.4 5.7-1.4 1.7-2.9 1.9-3.5 1.9-1.2 0-1.9-.6-2-1.5 0-.8.7-1.3 1.2-1.3.6 0 1.1.5 1.1 1s-.2.6-.4.6c-.1.1-.3.2-.3.4 0 .1.1.3.4.3.5 0 .8-.3 1.1-.5 1.2-.9 1.6-2.7 2.2-5.7l.1-.7.7-3.2c-.8-.6-1.3-1.4-2.4-1.7-.6-.1-1.1.1-1.5.5-.4.5-.2 1.1.2 1.5l.7.6c.7.8 1.2 1.6 1 2.5-.3 1.5-2 2.6-4 1.9-1.8-.6-2-1.8-1.8-2.5.2-.6.6-.7 1.1-.6.5.2.6.7.6 1.2l-.1.3c-.2.1-.3.3-.3.4-.1.4.4.6.7.7.7.3 1.6-.2 1.8-.8a1 1 0 0 0-.4-1.1l-.7-.8c-.4-.4-1.1-1.4-.7-2.6.1-.5.4-.9.7-1.3a4 4 0 0 1 2.8-.6c1.2.4 1.8 1.1 2.6 1.8.5-1.2 1-2.4 1.8-3.5.9-.9 1.9-1.6 3.1-1.7 1.3.2 2.2.7 2.2 1.6 0 .4-.2 1.1-.9 1.1z"/></svg></i>    </button></div>    </div>    <link rel="stylesheet" nonce="1599fa33bfdd0a8de4af94418c38bddd" href="https://www.staging.startplatz.de/_wdt/styles" />        <script nonce="c218b15f61c4e318792eee24299df490">/*<![CDATA[*/        if (typeof Sfjs === 'undefined' || typeof Sfjs.loadToolbar === 'undefined') {            Sfjs = (function() {                "use strict"; 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's' : '');                    }                    var ajaxToolbarPanel = document.querySelector('.sf-toolbar-block-ajax');                    if (requestStack.length) {                        ajaxToolbarPanel.style.display = '';                    } else {                        ajaxToolbarPanel.style.display = 'none';                    }                    if (pendingRequests > 0) {                        addClass(ajaxToolbarPanel, 'sf-ajax-request-loading');                    } else if (successStreak < 4) {                        addClass(ajaxToolbarPanel, 'sf-toolbar-status-red');                        removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading');                    } else {                        removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading');                        removeClass(ajaxToolbarPanel, 'sf-toolbar-status-red');                    }                };                var startAjaxRequest = function(index) {                    var tbody = document.querySelector('.sf-toolbar-ajax-request-list');                    if (!tbody) {                        return;                    }                    var nbOfAjaxRequest = tbody.rows.length;                    if (nbOfAjaxRequest >= 100) {                        tbody.deleteRow(0);                    }                    var request = requestStack[index];                    pendingRequests++;                    var row = document.createElement('tr');                    request.DOMNode = row;                    var requestNumberCell = document.createElement('td');                    requestNumberCell.textContent = index + 1;                    row.appendChild(requestNumberCell);                    var profilerCell = document.createElement('td');                    profilerCell.textContent = 'n/a';                    row.appendChild(profilerCell);                    var methodCell = document.createElement('td');                    methodCell.textContent = request.method;                    row.appendChild(methodCell);                    var typeCell = document.createElement('td'); 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                   row.appendChild(pathCell);                    var durationCell = document.createElement('td');                    durationCell.className = 'sf-ajax-request-duration';                    durationCell.textContent = 'n/a';                    row.appendChild(durationCell);                    request.liveDurationHandle = setInterval(function() {                        durationCell.textContent = (new Date() - request.start) + ' ms';                    }, 100);                    row.className = 'sf-ajax-request sf-ajax-request-loading';                    tbody.insertBefore(row, null);                    var toolbarInfo = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info');                    toolbarInfo.scrollTop = toolbarInfo.scrollHeight;                    renderAjaxRequests();                };                var finishAjaxRequest = function(index) {                    var request = requestStack[index];                    clearInterval(request.liveDurationHandle);                    if (!request.DOMNode) {                        return;                    }                    if (request.toolbarReplace && !request.toolbarReplaceFinished && request.profile) {                        /* Flag as complete because finishAjaxRequest can be called multiple times. */                        request.toolbarReplaceFinished = true;                        /* Search up through the DOM to find the toolbar's container ID. */                        for (var elem = request.DOMNode; elem && elem !== document; elem = elem.parentNode) {                            if (elem.id.match(/^sfwdt/)) {                                Sfjs.loadToolbar(elem.id.replace(/^sfwdt/, ''), request.profile);                                break;                            }                        }                    }                    if (pendingRequests > 0) {                        pendingRequests--;                    }                    var row = request.DOMNode;                    /* Unpack the children from the row */                    var profilerCell = row.children[1];                    var methodCell = row.children[2];                    var statusCodeCell = row.children[4];                    var statusCodeElem = statusCodeCell.children[0];                    var durationCell = row.children[6];                    if (request.error) {                        row.className = 'sf-ajax-request sf-ajax-request-error';                        methodCell.className = 'sf-ajax-request-error';                        successStreak = 0;                    } else {                        row.className = 'sf-ajax-request sf-ajax-request-ok';                        successStreak++;                    }                    if (request.statusCode) {                        if (request.statusCode < 300) {                            statusCodeElem.setAttribute('class', 'sf-toolbar-status');                        } else if (request.statusCode < 400) {                            statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-yellow');                        } else {                            statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-red'); 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                           });                            addEventListener(es, 'symfony:debug:started', function (event) {                                var items = event.data.split('\n');                                stackElement.profile = items[0];                                stackElement.profilerUrl = items[1];                            });                            addEventListener(es, 'symfony:debug:error', function (event) {                                stackElement.error = true;                                stackElement.statusCode = event.data;                                finishAjaxRequest(idx);                            });                            addEventListener(es, 'symfony:debug:finished', function () {                                stackElement.duration = new Date() - stackElement.start;                                stackElement.toolbarReplaceFinished = false;                                stackElement.toolbarReplace = true;                                finishAjaxRequest(idx);                            });                        }                        return es;                    };                    Object.defineProperties(patchedEventSource, Object.getOwnPropertyDescriptors(oldEventSource));                    window.EventSource = patchedEventSource;                }                if (window.fetch && window.fetch.polyfill === undefined) {                    var oldFetch = window.fetch;                    window.fetch = function () {                        var promise = oldFetch.apply(this, arguments);                        var url = arguments[0];                        var params = arguments[1];                        var paramType = Object.prototype.toString.call(arguments[0]);                        if (paramType === '[object Request]') {                            url = arguments[0].url;                            params = {                                method: arguments[0].method,                                credentials: arguments[0].credentials,                                headers: arguments[0].headers,                                mode: arguments[0].mode,                                redirect: arguments[0].redirect                            };                        } else {                            url = String(url);                        }                        if (!url.match(new RegExp("^\/((index|app(_[\\w]+)?)\\.php\/)?_wdt"))) {                            var method = 'GET';                            if (params && params.method !== undefined) {                                method = params.method;                            }                            var stackElement = {                                error: false,                                url: url,                                method: method,                                type: 'fetch',                                start: new Date()                            };                            var idx = requestStack.push(stackElement) - 1;                            promise.then(function (r) {                                stackElement.duration = new Date() - stackElement.start;                                stackElement.error = r.status < 200 || r.status >= 400;                                stackElement.statusCode = r.status;                                stackElement.profile = r.headers.get('x-debug-token');                                stackElement.profilerUrl = r.headers.get('x-debug-token-link');                                stackElement.toolbarReplaceFinished = false;                                stackElement.toolbarReplace = '1' === r.headers.get('Symfony-Debug-Toolbar-Replace');                                finishAjaxRequest(idx);                            }, function (e){                                stackElement.error = true;                                finishAjaxRequest(idx);                            });                            startAjaxRequest(idx);                        }                        return promise;                    };                }                if (window.XMLHttpRequest && XMLHttpRequest.prototype.addEventListener) {                    var proxied = XMLHttpRequest.prototype.open;                    XMLHttpRequest.prototype.open = function(method, url, async, user, pass) {                        var self = this; 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                           this.addEventListener('readystatechange', function() {                                if (self.readyState == 4) {                                    stackElement.duration = new Date() - stackElement.start;                                    stackElement.error = self.status < 200 || self.status >= 400;                                    stackElement.statusCode = self.status;                                    extractHeaders(self, stackElement);                                    finishAjaxRequest(idx);                                }                            }, false);                            startAjaxRequest(idx);                        }                        proxied.apply(this, Array.prototype.slice.call(arguments));                    };                }                                return {                    hasClass: hasClass,                    removeClass: removeClass,                    addClass: addClass,                    toggleClass: toggleClass,                    getPreference: getPreference,                    setPreference: setPreference,                    addEventListener: addEventListener,                    request: request,                    renderAjaxRequests: renderAjaxRequests,                    getSfwdt: function(token) {                        return document.getElementById('sfwdt' + token);                    },                    load: function(selector, url, onSuccess, onError, options) {                        var el = document.getElementById(selector);                        if (el && el.getAttribute('data-sfurl') !== url) {                            request(                                url,                                function(xhr) {                                    el.innerHTML = xhr.responseText;                                    el.setAttribute('data-sfurl', url);                                    removeClass(el, 'loading');                                    var pending = pendingRequests;                                    for (var i = 0; i < requestStack.length; i++) {                                        startAjaxRequest(i);                                        if (requestStack[i].duration || requestStack[i].error) {                                            finishAjaxRequest(i);                                        }                                    }                                    /* Revert the pending state in case there was a start called without a finish above. */                                    pendingRequests = pending;                                    (onSuccess || noop)(xhr, el);                                },                                function(xhr) { (onError || noop)(xhr, el); },                                '',                                options                            );                        }                        return this;                    },                    showToolbar: function(token) {                        var sfwdt = this.getSfwdt(token);                        var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`);                        if ('closed' === getPreference('toolbar/displayState')) {                            addClass(sfwdt.parentNode, 'sf-toolbar-closed');                            removeClass(sfwdt.parentNode, 'sf-toolbar-opened');                            if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); }                        } else {                            addClass(sfwdt.parentNode, 'sf-toolbar-opened');                            removeClass(sfwdt.parentNode, 'sf-toolbar-closed');                            if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'true'); }                        }                    },                    hideToolbar: function(token) {                        var sfwdt = this.getSfwdt(token);                        var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`);                        addClass(sfwdt.parentNode, 'sf-toolbar-closed');                        removeClass(sfwdt.parentNode, 'sf-toolbar-opened');                        if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); }                    },                    initToolbar: function(token) {                        this.showToolbar(token);                        var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`);                        addEventListener(toggleButton, 'click', function (event) {                            event.preventDefault();                            const newState = 'closed' === getPreference('toolbar/displayState') ? 'opened' : 'closed';                            setPreference('toolbar/displayState', newState);                            'opened' === newState ? Sfjs.showToolbar(token) : Sfjs.hideToolbar(token);                        });                    },                    loadToolbar: function(token, newToken) {                        var that = this;                        var triesCounter = document.getElementById('sfLoadCounter-' + token);                        var options = {                            retry: true,                            onSend: function (count) {                                if (count === 3) {                                    that.initToolbar(token);                                }                                if (triesCounter) {                                    triesCounter.textContent = count;                                }                            },                        };                        var cancelButton = document.getElementById('sfLoadCancel-' + token);                        if (cancelButton) {                            addEventListener(cancelButton, 'click', function (event) {                                event.preventDefault();                                options.stop = true;                                that.hideToolbar(token);                            });                        }                        newToken = (newToken || token);                        this.load(                            'sfwdt' + token,                            'https\u003A\/\/www.staging.startplatz.de\/_wdt\/xxxxxx'.replace(/xxxxxx/, newToken),                            function(xhr, el) {                                var toolbarContent = document.getElementById('sfToolbarMainContent-' + newToken);                                /* Do nothing in the edge case where the toolbar has already been replaced with a new one */                                if (!toolbarContent) {                                    return;                                }                                /* Replace the ID, it has to match the new token */                                toolbarContent.parentElement.id = 'sfwdt' + newToken;                                /* Evaluate in global scope scripts embedded inside the toolbar */                                var i, scripts = [].slice.call(el.querySelectorAll('script'));                                for (i = 0; i < scripts.length; ++i) {                                    if (scripts[i].firstChild) {                                        eval.call({}, scripts[i].firstChild.nodeValue);                                    }                                }                                el.style.display = -1 !== xhr.responseText.indexOf('sf-toolbarreset') ? 'block' : 'none';                                if (el.style.display == 'none') {                                    return;                                }                                that.initToolbar(newToken);                                /* Handle toolbar-info position */                                var toolbarBlocks = [].slice.call(el.querySelectorAll('.sf-toolbar-block'));                                for (i = 0; i < toolbarBlocks.length; ++i) {                                    toolbarBlocks[i].onmouseover = function () {                                        var toolbarInfo = this.querySelectorAll('.sf-toolbar-info')[0];                                        var pageWidth = document.body.clientWidth;                                        var elementWidth = toolbarInfo.offsetWidth;                                        var leftValue = (elementWidth + this.offsetLeft) - pageWidth;                                        var rightValue = (elementWidth + (pageWidth - this.offsetLeft)) - pageWidth;                                        /* Reset right and left value, useful on window resize */                                        toolbarInfo.style.right = '';                                        toolbarInfo.style.left = '';                                        if (elementWidth > pageWidth) {                                            toolbarInfo.style.left = 0;                                        }                                        else if (leftValue > 0 && rightValue > 0) {                                            toolbarInfo.style.right = (rightValue * -1) + 'px';                                        } else if (leftValue < 0) {                                            toolbarInfo.style.left = 0;                                        } else {                                            toolbarInfo.style.right = '0px';                                        }                                    };                                }                                renderAjaxRequests();                                addEventListener(document.querySelector('.sf-toolbar-ajax-clear'), 'click', function() {                                    requestStack = [];                                    renderAjaxRequests();                                    successStreak = 4;                                    document.querySelector('.sf-toolbar-ajax-request-list').innerHTML = '';                                });                                addEventListener(document.querySelector('.sf-toolbar-block-ajax'), 'mouseenter', function (event) {                                    var elem = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info');                                    elem.scrollTop = elem.scrollHeight;                                });                                addEventListener(document.querySelector('.sf-toolbar-block-ajax > .sf-toolbar-icon'), 'click', function (event) {                                    event.preventDefault();                                    toggleClass(this.parentNode, 'hover');                                });                                var dumpInfo = document.querySelector('.sf-toolbar-block-dump .sf-toolbar-info');                                if (null !== dumpInfo) {                                    addEventListener(dumpInfo, 'sfbeforedumpcollapse', function () {                                        dumpInfo.style.minHeight = dumpInfo.getBoundingClientRect().height+'px';                                    });                                    addEventListener(dumpInfo, 'mouseleave', function () {                                        dumpInfo.style.minHeight = '';                                    });                                }                            },                            function(xhr) {                                if (xhr.status !== 0 && !options.stop) {                                    var sfwdt = that.getSfwdt(token);                                    sfwdt.innerHTML = '\                                    <div class="sf-toolbarreset notranslate">\                                        <div class="sf-toolbar-icon"><svg width="26" height="28" xmlns="http://www.w3.org/2000/svg" version="1.1" x="0px" y="0px" viewBox="0 0 26 28" enable-background="new 0 0 26 28" xml:space="preserve"><path fill="#FFFFFF" d="M13 0C5.8 0 0 5.8 0 13c0 7.2 5.8 13 13 13c7.2 0 13-5.8 13-13C26 5.8 20.2 0 13 0z M20 7.5 c-0.6 0-1-0.3-1-0.9c0-0.2 0-0.4 0.2-0.6c0.1-0.3 0.2-0.3 0.2-0.4c0-0.3-0.5-0.4-0.7-0.4c-2 0.1-2.5 2.7-2.9 4.8l-0.2 1.1 c1.1 0.2 1.9 0 2.4-0.3c0.6-0.4-0.2-0.8-0.1-1.3C18 9.2 18.4 9 18.7 8.9c0.5 0 0.8 0.5 0.8 1c0 0.8-1.1 2-3.3 1.9 c-0.3 0-0.5 0-0.7-0.1L15 14.1c-0.4 1.7-0.9 4.1-2.6 6.2c-1.5 1.8-3.1 2.1-3.8 2.1c-1.3 0-2.1-0.6-2.2-1.6c0-0.9 0.8-1.4 1.3-1.4 c0.7 0 1.2 0.5 1.2 1.1c0 0.5-0.2 0.6-0.4 0.7c-0.1 0.1-0.3 0.2-0.3 0.4c0 0.1 0.1 0.3 0.4 0.3c0.5 0 0.9-0.3 1.2-0.5 c1.3-1 1.7-2.9 2.4-6.2l0.1-0.8c0.2-1.1 0.5-2.3 0.8-3.5c-0.9-0.7-1.4-1.5-2.6-1.8c-0.8-0.2-1.3 0-1.7 0.4C8.4 10 8.6 10.7 9 11.1 l0.7 0.7c0.8 0.9 1.3 1.7 1.1 2.7c-0.3 1.6-2.1 2.8-4.3 2.1c-1.9-0.6-2.2-1.9-2-2.7c0.2-0.6 0.7-0.8 1.2-0.6 c0.5 0.2 0.7 0.8 0.6 1.3c0 0.1 0 0.1-0.1 0.3C6 15 5.9 15.2 5.9 15.3c-0.1 0.4 0.4 0.7 0.8 0.8c0.8 0.3 1.7-0.2 1.9-0.9 c0.2-0.6-0.2-1.1-0.4-1.2l-0.8-0.9c-0.4-0.4-1.2-1.5-0.8-2.8c0.2-0.5 0.5-1 0.9-1.4c1-0.7 2-0.8 3-0.6c1.3 0.4 1.9 1.2 2.8 1.9 c0.5-1.3 1.1-2.6 2-3.8c0.9-1 2-1.7 3.3-1.8C20 4.8 21 5.4 21 6.3C21 6.7 20.8 7.5 20 7.5z"/></svg></div>\                                        An error occurred while loading the web debug toolbar. <a href="https\u003A\/\/www.staging.startplatz.de\/_profiler\/' + newToken + '">Open the web profiler.</a>\                                    </div>\                                ';                                    sfwdt.parentElement.setAttribute('class', 'sf-toolbar sf-error-toolbar');                                }                            },                            options                        );                        return this;                    },                    toggle: function(selector, elOn, elOff) {                        var tmp = elOn.style.display,                            el = document.getElementById(selector);                        elOn.style.display = elOff.style.display;                        elOff.style.display = tmp;                        if (el) {                            el.style.display = 'none' === tmp ? 'none' : 'block';                        }                        return this;                    },                };            })();        }        Sfjs.loadToolbar('3030f8');    /*]]>*/</script></div><!-- END of Symfony Web Debug Toolbar -->\n
    </body>\n
    </html>\n
    """
  #version: "1.1"
  #statusCode: 200
  #statusText: "OK"
  #charset: "UTF-8"
  -sentHeaders: ? array
}

"what-the-heck-is-fintech/"