---
title: "Five questions at BANKINGCLUB | Spreat"
description: "Why commission instead of retail margin is also a financing question - Mattis Klöpper in the Fintech-World section."
url: "https://spreat.com/en/stories/press/bankingclub-fintech-world"
language: "en"
---

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# Five questions at BANKINGCLUB

Why commission instead of retail margin is also a financing question - Mattis Klöpper in the Fintech-World section.

9 April 2026

Translated from German [Read the original version](https://spreat.com/stories/press/bankingclub-fintech-world)

![Five questions in BANKINGCLUB: commission instead of retail margin as a financing question](https://spreat.com/media/images/stories/bankingclub-fintech-world/cover-en-800.webp)

In its Fintech-World section, BANKINGCLUB regularly features companies working at the intersection of retail and the financial system. In April 2026 it was co-founder Mattis Klöpper's turn.

The core of the conversation is a point that rarely comes up as a finance topic in everyday retail: whoever buys goods ties up capital and carries the inventory risk. Through a POS integration, customers legally buy directly from the producer and the store earns its commission - purchasing and margin fall away.

70+

companies on the platform

as of the interview, April 2026

500+

stores at the first franchise customer

Context

## What retail takes from it

Thorsten Hahn, managing director of BANKINGCLUB, frames the model in the piece as a possible answer to inventory and capital risk, and at the same time names the open question: whether enough retailers and brands will join in for a network to emerge. That is the right question - and the reason we want to answer it with every new space.

Published by

BANKINGCLUB9 April 2026

[Read the original](https://www.bankingclub.de/spreat/)

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## And how about you?

Store or brand - the way in is a different one. Tell us which side you are coming from.

[I have a store](https://spreat.com/en/stores) [I have a brand](https://spreat.com/en/brands)