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About us

We digitize asset and wealth management in the financial industry

From individual investment advisors to financial companies, we are committed to ensuring that you are prepared for the digital age – efficiently, flexibly and legally.

Our vision

Perfecting a versatile and scalable pan-European WealthTech platform that bundles technological innovations to make you a leader in the digital finance industry.

Fast Facts about niiio

20 years of market success
0 employees
0 % growth in 2022
85 % Annual Recurring Revenue

Our Portfolio

Securities Trading and Custody SolutionsComing soon

The niiio-Group

Our Objective

To develop and expand into Europe’s highest-performing wealthtech platform

Our Team

Management Team

We approach our work with full energy, achieving extraordinary results for our clients and partners.

In charge of the growth strategy for niiio finance group AG. After university studies in Tübingen and Cologne, Johann Horch developed the world’s first fully automatic, risk-adjusted algorithm for securities investments. This saw him founding DSER GmbH in 2006, now a subsidiary company.

Johann Horch Chief Executive Officer

In charge of business operations and the Group’s growth.
Following 17 years in management roles and specializing in operations at Deutsche Bank, Dr. Daniel Berndt helped to establish Raisin, a multiple-award-winning fintech start-up. More recently, he has been a consultant for start-ups and business process outsourcing.

Dr. Daniel Berndt Chief Operating Officer

In charge of strategic product development within the Group and Head of Operational Product Development in Private Wealth Management. Ina Just holds an advanced degree in mathematics. Her position in product development sees her identify potential innovation within the market and consolidate it with lucrative applications and product features for clients.

Ina Just Group Product Development

In charge of Finance and M&A.
Axel Apfelbacher has many years of experience as a corporate consultant and as a manager in finance and banking at BPO company Xchanging as well as at Deutsche Bank.

Axel Apfelbacher Finance

Co-CEO of PATRONAS and in charge of operational asset management.
As one of the company’s founders, he possesses extensive, specialist expertise in IT and system programming, which led to the development of the OPUS portfolio management software.

Heribert Steuer Product Development & Technology

Co-CEO of PATRONAS and responsible for the ongoing development of sales and marketing.
Carsten Osswald developed the concept for the OPUS portfolio management software using his robust knowledge and many years of practical experience.

Carsten Osswald Sales & Marketing

Supervisory Board

Responsible and rewarding business advice.

Steffen Seeger is an investor, consultant, and member of the supervisory boards of companies that provide innovative technology solutions for the B2B segment.
He is a co-founder of and executive-board member at Fidor Bank AG. He was also CEO in charge of Europe and a partner KPMG/BearingPoint between 2003 and 2006. His core competencies are in strategy, governance, and project management.

Steffen Seeger Supervisory Board Chairman

Dr. Martin Setzer enjoys decades of experience as a senior manager at Deutsche Bank AG and as an executive-board member (LBBW). He is currently chief information officer on the management board at the Viridium Group. His core competencies are in project management and IT architecture in the governance field.

Dr. Martin Setzer Deputy Chairman of Supervisory Board

Professor Peter Balzer is an experienced attorney for banking and capital market law. His specializations are regulatory (including MiFID II) and capital investment law.

Prof. Dr. Peter Balzer Supervisory Board member

An experienced senior manager in banking and IT at Dresdner Bank, Deutsche Bank, Xchanging plc, and First Data Corp., Jörg Brand specializes in sales in governance, M&A, and values-based corporate governance.

Jörg Brand Supervisory Board member

As CEO, Philipp von Girsewald founded and built up the US business for FinTech Raisin/Deposit Solutions. He has 20 years of banking experience at Deutsche Bank, where he was responsible for corporate M&A and regulatory strategy globally for many years. He has experience as a member of the supervisory board and advisory board.

Philipp von Girsewald Supervisory Board member

Michael Pannwitz has been working in the field of wealth management and private banking for more than 20 years, accompanied by various management tasks at Deutsche Bank. Since November 2016, he has been active for Volksbank BRAWO as a division manager, authorised signatory and product and project manager for the securities business.

Michael Pannwitz Supervisory Board member

Advisory Board

Always supported by experienced industry experts.

Stefan Krause is a co-founder and the chairman of American EV start-up Canoo and is a senior adviser for Warburg Pincus, a private-equity investor.
Before that, he held various executive-board posts at Deutsche Bank AG and BMW Group AG and has supervisory-board experience from positions such as his former supervisory-board chairmanship at Postbank.

Stefan Krause Advisory Board Chairman

She has 30 years of experience as a top manager in the financial sector. As Managing Director at Deutsche Bank, she led large sales units in the private and corporate customer segment and was CEO of Berliner Bank and board member of a Volksbank. Today she contributes her many years of experience in building and managing customer-centric business structures and in developing digital sales strategies as a consultant and investor.

Stefanie Salata Advisory Board member

Dr. Martin Deckert has a successful finance career to his name.
As an executive-board member at UBS Deutschland AG, he was in charge of operations, IT, internal services, risk control, credit risk, and project management. He has been a co-founder of the start-up Qundo Technology GmbH and is member of the board (COO) at Bankhaus Bauer AG since Mai 2023.

Dr. Martin Deckert Advisory Board member

With more than 30 years of management experience in private and business banking at the Deutsche Bank Group, Philip Laucks most recently worked on the Executive Committee Private Clients at Deutsche Bank AG.
He developed Postbank AG into a pioneer for end-to-end digitalization, among other things, and transitioned norisbank GmbH from a branch-network bank to a purely direct operation.

Philip Laucks Advisory Board member

Dr. Olaf Scheer, who holds a doctorate in business administration, most recently looked after key accounts at an executive-board level in his position at an international corporate-consulting firm. He also has just under four decades of management experience to his name. He has been a freelance consultant, advisory-board member, and supervisory-board member since early 2020. Moreover, he is a member of the corporate-governance work group at the Schmalenbach-Gesellschaft business society.

Dr. Olaf Scheer Advisory Board member


Excellent advice whatever the challenge.

A leading expert in advisory services for HNWIs, Dr. Jörg Richter is well known for his appearances on public television as well as his work as a book author and lecturer at various vocational colleges and financial institutions. He is also an associate member of the Center of Asset and Wealth Management at WHU Otto Beisheim School of Management and occasionally works as an expert witness for courts and legal practitioners.

Dr. Jörg Richter Partner

Our Users Are Satisfied

Our Work Is Award-Winning