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Multitude AG: Regulation as competitive moat, fee income, and pan-European digital banking. Register for free for the International Investment Forum: https://ii-forum.com/ The ‘International Investment Forum’ – (‘IIF’) provides information on investment trends and ideas, covering all aspects of various industries, from top executives and managers around the world. Join host Lyndsay Malchuk on Market Frontlines for a forward-looking conversation with Adam Hansson Tönning, Head of Investor Relations and Treasury at Multitude AG. In this interview recorded at MKK in Munich, discover how Multitude has evolved from a local lender into a pan-European fully digital bank operating across 17 countries. Learn how they secured a European banking license in 2012, launched a game-changing credit limit product, and are now scaling through fee-based income models that go beyond balance sheet constraints. Adam explains why regulation – often seen as a risk – has actually become a competitive moat, how they built a proprietary payments solution to unlock locked currencies, and why the market is still underestimating their track record of five consecutive years meeting or exceeding guidance. Whether you are an investor, fintech professional, or simply interested in the future of banking, this episode delivers clear insights into resilience, scalability, and the power of digital transformation. Multitude, digital bank, pan-European banking, Adam Hansson Tönning, fee income, banking license, consumer credit, credit limit product, payments infrastructure, fintech scaling, cross-border lending, MKK Munich, wholesale banking, regulation as competitive advantage, digital credit card, Apaton Media If you enjoyed this deep dive, please like, subscribe, and hit the notification bell for more market-moving conversations. Visit Multitude’s platform at https://multitude.com for further information. Share your thoughts or questions in the comments below! https://multitude.com https://www.linkedin.com/company/multitudegroup/ https://apaton.com https://www.linkedin.com/company/apaton-finance-gmbh https://www.linkedin.com/showcase/internationalinvestmentforum https://www.youtube.com/@internationalinvestmentforum Video Chapters: 00:00:00 - Introduction: The Changing Access to Capital 00:00:46 - From Slow & Rigid to Fast & Smart: Fintech Evolution 00:01:21 - Adam Hansson Tönning Joins from MKK Munich 00:01:48 - How Has MKK Been? A Busy Morning of Meetings 00:02:19 - The Next Phase: Scaling Across Europe 00:02:39 - Elevator Pitch: Pan-European Digital Bank in 17 Countries 00:03:15 - Two Biggest Catalyst Moments: Banking License & Credit Limit Product 00:03:55 - The Next Catalyst: Digital Credit Card (No Plastic) 00:04:15 - Biggest Challenge: Regulation – From Wild West to Mastery 00:05:21 - Why Regulation Knocked Out Competition & Became an Asset 00:05:55 - Shifting to Fee Income: Growing Beyond the Balance Sheet 00:06:27 - Partnerships & Payments: Solving Locked Currencies 00:07:35 - What the Market Doesn’t Yet Understand: 5 Years of Exceeding Guidance 00:07:58 - Closing Remarks: Digital, Scalable & Global Host: Lyndsay Malchuk (Apaton Media) | Guest: Adam Hansson Tönning (Head of Investor Relations and Treasury, Multitude AG) | Recorded on the ground at MKK in Munich. Music and graphics licensed via Apaton Finance GmbH. #FintechEvolution, #DigitalBanking, #PanEuropean, #MultitudeAG, #BankingLicense, #FeeIncome, #ConsumerCredit, #PaymentsInfrastructure, #CrossBorderLending, #MKKMunich, #CapitalAccess, #FintechScaling, #RegulationMoat, #DigitalTransformation, #FutureOfBanking, #ApatonMedia, #MarketFrontlines Notes: This video is for informational purposes only and does not constitute a recommendation to buy or sell securities. The statements reflect the views of the interviewed company. Please consult a professional advisor before making investment decisions. Some links may be affiliate or sponsored. Investments in securities involve risks. Conflicts of interest exist. Further details are provided at the end of the video. Interviewed Company: Multitude AG Grafenauweg 8 6300 Zug Switzerland The interview was first published on May 12, 2026 at approximately 8:00am CET. For business inquiries, contact: [email protected]

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