Embedded Finance Review Podcast, episode 34. Published 2 October 2025. Guest: Marcel Meitza, founder and CEO of GetMomo. Host: Lars Markull.
Lars Markull: What if I told you that property managers across Europe are spending hours every day just trying to figure out which tenants have paid their rent? Today I'm joined by Marcel Meitza, founder and CEO of GetMomo. GetMomo is a Berlin based vertical fintech that's building what he calls the real estate operating system for Europe.
With a background in banking and consulting at BCG, Marcel identified a massive opportunity in an industry where the average property manager oversees 900 units and hundreds of bank accounts, but still relies on manual spreadsheets and outdated processes to track payments and allocate funds. In our conversation, Marcel shares how GetMomo integrates seamlessly with existing ERPs, why German banking partnerships were crucial for customer trust, and his strategy for building the infrastructure that could power Europe's largest rental markets. We also dive into the shift from traditional banking relationships, where property managers stayed with the same bank for 15 years, to modular fintech solutions that solve specific workflow pain points.
My name is Lars Markull, and this is the Embedded Finance Review Podcast. Every two weeks I interview the builders and shapers of embedded finance. And a quick reminder from my side. At Embedded Finance Review I publish weekly newsletters, a biweekly podcast, and host in-person and virtual industry events. You can find all of them on the website, embeddedfinancereview.com. In addition, I also work with non-financial brands, infrastructure providers, and banks in understanding, designing and launching their embedded finance products. If you are interested in working with me, visit my website and reach out. And now let's dive in.
Welcome
Lars Markull: Hi Marcel, welcome to the podcast. How are you doing today, and in what part of the world are you located right now?
Marcel Meitza: Hi Lars, great to be here. I'm doing amazing and I'm located in Berlin at the moment.
Lars Markull: You're also having one of these amazing summer days in Berlin where it's more rain than sunshine.
Marcel Meitza: Enjoying the summer. August, September. Amazing.
Lars Markull: I'm really looking forward to taking a deep dive into the real estate industry. With GetMomo you are offering financial services in the real estate sector. Maybe a first kickoff question, how would you define GetMomo? Is it a fintech, is it an embedded finance company? How do you describe it yourself?
Marcel Meitza: Sure. So we are a hundred percent a fintech company working in real estate. And what we are building in the end is the real estate operating system for Europe. And how we do that is, in a first step, by offering vertical banking services to property managers and housing organisations in Germany.
Lars Markull: Okay, so maybe also for those who wonder, obviously this is an embedded finance podcast. Marcel was attending our event a couple of months ago, here in April, the Embedded Finance Review event during the FIBE conference, I think in April of this year, where we spoke a little bit.
I think it's important to note that GetMomo is clearly not an embedded finance company, it's a vertical fintech. And while it's not embedded finance, there are still very often a lot of similarities in the challenges, or the things to be solved. And I think at a previous podcast also, with Nelly I think last year, in the healthcare space, where we also spoke about how in some cases it might be more beneficial to start with the financial product and not with the non-financial product, but still having the customer value in mind and building solutions around it.
Marcel Meitza: A hundred percent.
What property managers actually spend their time on
Lars Markull: Let's take a deeper dive. What is the product you exactly offer? Maybe we can pick an example customer you are working with, and what functionality do you exactly offer them, and how would they have done it without GetMomo?
Marcel Meitza: Sure. Maybe let's take a step back and look at the real estate industry, and specifically at property management, regardless if it's for residential or commercial and done through a large housing organisation or a mom and pop property manager. The main time they spend is related to some form of payment allocation. In the end they need to get data into their existing software to be able to check who has paid, who has not paid, and at the end of the year, either if you own your apartment or you're a renter, you get your final utility bill. That is all basically the outcome of all the input factors that go in during the year.
And when we look at a regular property manager in Germany, they have around 900 units under management and mostly hundreds of accounts they need to oversee, and zillions and zillions of receipts they need to do the right booking for. And what we observed is that the process of extracting data from the banking world and bringing this into the existing ERP world is a highly manual process.
And the main challenge, like in most Western countries but especially bad in property management, is the age pyramid. Property managers tend to be even older than the general working population. So the question that a lot of those businesses are facing is not how can I grow, but how can I sustain my business with fewer people? Because in the next five years 20% will go into retirement, and they're really glued to their manual processes of, okay, I'm downloading those bank accounts, I'm importing, I'm manually allocating.
And our pitch towards them is that we say, look, you stay with your existing ERP, because to change that is a very, very long process. And we sit on top of that. And we can provide you with all the necessary banking services and we can automate a lot of the money allocation, payment file creation, everything you think of. So you just save a tremendous amount of time and can do more with fewer people going forward. And this is not with regard to, hey, be more efficient, but rather people will stop working at your company because they will retire soon.