sifted.eu
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URL:
https://sifted.eu/articles/n26-losses-bulge-with-uk-expense
Submission: On June 04 via manual from DE — Scanned from DE
Submission: On June 04 via manual from DE — Scanned from DE
Form analysis 6 forms found in the DOM
<form>
<fieldset>
<legend class="visuallyhidden">Consent Selection</legend>
<div id="CybotCookiebotDialogBodyFieldsetInnerContainer">
<div class="CybotCookiebotDialogBodyLevelButtonWrapper"><label class="CybotCookiebotDialogBodyLevelButtonLabel" for="CybotCookiebotDialogBodyLevelButtonNecessary"><strong class="CybotCookiebotDialogBodyLevelButtonDescription">Necessary
</strong></label>
<div class="CybotCookiebotDialogBodyLevelButtonSliderWrapper CybotCookiebotDialogBodyLevelButtonSliderWrapperDisabled"><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonNecessary"
class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelButtonDisabled" disabled="disabled" checked="checked"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></div>
</div>
<div class="CybotCookiebotDialogBodyLevelButtonWrapper"><label class="CybotCookiebotDialogBodyLevelButtonLabel" for="CybotCookiebotDialogBodyLevelButtonPreferences"><strong class="CybotCookiebotDialogBodyLevelButtonDescription">Preferences
</strong></label>
<div class="CybotCookiebotDialogBodyLevelButtonSliderWrapper"><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonPreferences" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox"
data-target="CybotCookiebotDialogBodyLevelButtonPreferencesInline" checked="checked" tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></div>
</div>
<div class="CybotCookiebotDialogBodyLevelButtonWrapper"><label class="CybotCookiebotDialogBodyLevelButtonLabel" for="CybotCookiebotDialogBodyLevelButtonStatistics"><strong class="CybotCookiebotDialogBodyLevelButtonDescription">Statistics
</strong></label>
<div class="CybotCookiebotDialogBodyLevelButtonSliderWrapper"><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonStatistics" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox"
data-target="CybotCookiebotDialogBodyLevelButtonStatisticsInline" checked="checked" tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></div>
</div>
<div class="CybotCookiebotDialogBodyLevelButtonWrapper"><label class="CybotCookiebotDialogBodyLevelButtonLabel" for="CybotCookiebotDialogBodyLevelButtonMarketing"><strong class="CybotCookiebotDialogBodyLevelButtonDescription">Marketing
</strong></label>
<div class="CybotCookiebotDialogBodyLevelButtonSliderWrapper"><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonMarketing" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox"
data-target="CybotCookiebotDialogBodyLevelButtonMarketingInline" checked="checked" tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></div>
</div>
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</form><form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonNecessaryInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelButtonDisabled" disabled="disabled" checked="checked"> <span
class="CybotCookiebotDialogBodyLevelButtonSlider"></span></form><form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonPreferencesInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonPreferences"
checked="checked" tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></form><form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonStatisticsInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonStatistics"
checked="checked" tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></form><form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonMarketingInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonMarketing" checked="checked"
tabindex="0"> <span class="CybotCookiebotDialogBodyLevelButtonSlider"></span></form><form class="CybotCookiebotDialogBodyLevelButtonSliderWrapper"><input type="checkbox" id="CybotCookiebotDialogBodyContentCheckboxPersonalInformation" class="CybotCookiebotDialogBodyLevelButton"> <span
class="CybotCookiebotDialogBodyLevelButtonSlider"></span></form>Text Content
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* Consent
* Details
* [#IABV2SETTINGS#]
* About
THIS WEBSITE USES COOKIES
We use cookies to personalise content and ads, to provide social media features
and to analyse our traffic. We also share information about your use of our site
with our social media, advertising and analytics partners who may combine it
with other information that you’ve provided to them or that they’ve collected
from your use of their services.
Consent Selection
Necessary
Preferences
Statistics
Marketing
Show details
* Necessary 73
Necessary cookies help make a website usable by enabling basic functions like
page navigation and access to secure areas of the website. The website cannot
function properly without these cookies.
* 931785862b21.d9e9ff35.eu-west-1.token.awswaf.com
4
awswaf_session_storageEnsures visitor browsing-security by preventing
cross-site request forgery. This cookie is essential for the security of
the website and visitor.
Expiry: PersistentType: HTML
awswaf_token_refresh_timestampThis cookie is used to distinguish between
humans and bots.
Expiry: PersistentType: HTML
aws-waf-token [x2]Used to encrypt and contain visitor data. This is
necessary for the security of the user data.
Expiry: SessionType: HTTP
* Airtable
6
Learn more about this provider
__Host-airtable-sessionContains a specific ID for the current session.
This is necessary for running the website correctly.
Expiry: 1 yearType: HTTP
__Host-airtable-session.sigContains a specific ID for the current session.
This is necessary for running the website correctly.
Expiry: 1 yearType: HTTP
AWSALBRegisters which server-cluster is serving the visitor. This is used
in context with load balancing, in order to optimize user experience.
Expiry: 6 daysType: HTTP
AWSALBCORSRegisters which server-cluster is serving the visitor. This is
used in context with load balancing, in order to optimize user experience.
Expiry: 6 daysType: HTTP
brwDetects and logs potential errors on third-party provided functions on
the website.
Expiry: 1 yearType: HTTP
login-status-pThis cookie is necessary for the login function on the
website.
Expiry: SessionType: HTTP
* Albumizr
1
Learn more about this provider
PHPSESSIDPreserves user session state across page requests.
Expiry: SessionType: HTTP
* Canva
5
Learn more about this provider
cf_clearanceThis cookie is used to distinguish between humans and bots.
Expiry: 1 yearType: HTTP
ASIThe cookie is necessary for secure log-in and the detection of any spam
or abuse of the website.
Expiry: SessionType: HTTP
CCKThe cookie is necessary for secure log-in and the detection of any spam
or abuse of the website.
Expiry: 0 dayType: HTTP
CDIThe cookie is necessary for secure log-in and the detection of any spam
or abuse of the website.
Expiry: 1 yearType: HTTP
CPANecessary for the website security.
Expiry: 0 dayType: HTTP
* Cookiebot
3
Learn more about this provider
1.gifUsed to count the number of sessions to the website, necessary for
optimizing CMP product delivery.
Expiry: SessionType: Pixel
CookieConsent [x2]Stores the user's cookie consent state for the current
domain
Expiry: 1 yearType: HTTP
* Google
4
Learn more about this provider
test_cookieUsed to check if the user's browser supports cookies.
Expiry: 0 dayType: HTTP
rc::eThis cookie is used to distinguish between humans and bots.
Expiry: SessionType: HTML
rc::hThis cookie is used to distinguish between humans and bots.
Expiry: PersistentType: HTML
docs/common/netcheck.gifNecessary for the general functionality of the
website.
Expiry: SessionType: Pixel
* Instagram
1
Learn more about this provider
csrftokenHelps prevent Cross-Site Request Forgery (CSRF) attacks.
Expiry: 1 yearType: HTTP
* LinkedIn
3
Learn more about this provider
bcookiePending
Expiry: 1 yearType: HTTP
li_gcPending
Expiry: 180 daysType: HTTP
bscookiePending
Expiry: 1 yearType: HTTP
* Piano
3
Learn more about this provider
AWSELBUsed to distribute traffic to the website on several servers in
order to optimise response times.
Expiry: SessionType: HTTP
AWSELBCORSRegisters which server-cluster is serving the visitor. This is
used in context with load balancing, in order to optimize user experience.
Expiry: 0 dayType: HTTP
ch_sidThis cookie is necessary for the login function on the website.
Expiry: 0 dayType: HTTP
* RudderStack
1
Learn more about this provider
test_rudder_cookieThis cookie determines whether the browser accepts
cookies.
Expiry: 1 yearType: HTTP
* Typeform
7
Learn more about this provider
#.#-#-#-#-#.ackUsed to contain user’s survey and quiz answers in Local
Storage.
Expiry: PersistentType: HTML
#.#-#-#-#-#.inProgressUsed to contain user’s survey and quiz answers in
Local Storage.
Expiry: PersistentType: HTML
#.#-#-#-#-#.queueUsed to contain user’s survey and quiz answers in Local
Storage.
Expiry: PersistentType: HTML
#.#-#-#-#-#.reclaimEndUsed to contain user’s survey and quiz answers in
Local Storage.
Expiry: PersistentType: HTML
#.#-#-#-#-#.reclaimStartUsed to contain user’s survey and quiz answers in
Local Storage.
Expiry: PersistentType: HTML
AWSALBTGRegisters which server-cluster is serving the visitor. This is
used in context with load balancing, in order to optimize user experience.
Expiry: 6 daysType: HTTP
AWSALBTGCORSRegisters which server-cluster is serving the visitor. This is
used in context with load balancing, in order to optimize user experience.
Expiry: 6 daysType: HTTP
* YouTube
1
Learn more about this provider
GPSUsed to determine whether the user is logged in on a YouTube account,
when watching embedded videos.
Expiry: 0 dayType: HTTP
* automate.org
blog.orderchamp.com
canva.com
glassdoor.com
hsforms.com
octopusventures.com
piano.io
vimeo.com
wearetechwomen.com
11
__cf_bm [x11]This cookie is used to distinguish between humans and bots.
This is beneficial for the website, in order to make valid reports on the
use of their website.
Expiry: 0 dayType: HTTP
* blog.orderchamp.com
canva.com
2
__cfruid [x2]This cookie is a part of the services provided by Cloudflare
- Including load-balancing, deliverance of website content and serving DNS
connection for website operators.
Expiry: SessionType: HTTP
* canva.com
glassdoor.com
hsforms.com
prima.it
vimeo.com
6
_cfuvid [x6]This cookie is a part of the services provided by Cloudflare -
Including load-balancing, deliverance of website content and serving DNS
connection for website operators.
Expiry: SessionType: HTTP
* cdn.cxense.com
cdn.tinypass.com
5
_cookie_test [x5]This cookie determines whether the browser accepts
cookies.
Expiry: 0 dayType: HTTP
* nr-data.net
summit.sifted.eu
tinypass.com
www.linkedin.com
4
JSESSIONID [x4]Preserves users states across page requests.
Expiry: SessionType: HTTP
* pitch.com
1
unleash:repository:repoUsed to determine whether the cache function should
be running. This process is called dynamic caching and is used to optimize
website speed.
Expiry: PersistentType: HTML
* www.exentriq.com
1
SameSiteEnsures visitor browsing-security by preventing cross-site request
forgery. This cookie is essential for the security of the website and
visitor.
Expiry: SessionType: HTTP
* www.imago-images.com
2
ASPSESSIONID#Preserves users states across page requests.
Expiry: SessionType: HTTP
useridPreserves users states across page requests.
Expiry: SessionType: HTTP
* www.insoore.com
2
ARRAffinityUsed to distribute traffic to the website on several servers in
order to optimise response times.
Expiry: SessionType: HTTP
ARRAffinitySameSiteUsed to distribute traffic to the website on several
servers in order to optimise response times.
Expiry: SessionType: HTTP
* Preferences 12
Preference cookies enable a website to remember information that changes the
way the website behaves or looks, like your preferred language or the region
that you are in.
* Airtable
1
Learn more about this provider
internal/page_viewStores data entered with a form so that when you return
to the website you don't have to fill in the data again.
Expiry: SessionType: Pixel
* LinkedIn
3
Learn more about this provider
langNecessary for maintaining language-settings across subpages on the
website.
Expiry: SessionType: HTTP
lidcPending
Expiry: 0 dayType: HTTP
li_alertsUsed to determine when and where certain pop-ups on the website
should be presented for the user and remember whether the user has closed
these, to keep them from showing multiple times.
Expiry: 1 yearType: HTTP
* Piano Software
3
Learn more about this provider
LANGRemembers the user's selected language version of a website
Expiry: 1499 daysType: HTTP
LANG_CHANGEDNecessary for maintaining language-settings across subpages on
the website.
Expiry: 0 dayType: HTTP
weird_get_top_level_domainThe cookie determines the preferred language and
country-setting of the visitor - This allows the website to show content
most relevant to that region and language.
Expiry: SessionType: HTTP
* Typeform
2
Learn more about this provider
tf_random_idUsed to implement forms on the website.
Expiry: PersistentType: HTML
tf_respondent_ccUsed to implement forms on the website.
Expiry: 6 monthsType: HTTP
* datawrapper.dwcdn.net
1
#/datawrapper.gifCounts the total number of views for embedded
visualizations.
Expiry: SessionType: Pixel
* summit.sifted.eu
2
CFTOKENThis cookie is used to determine which type of device the visitor
is using, so the website can be properly formatted - This information is
stored in the "CFID" cookie.
Expiry: 29 daysType: HTTP
DEFAULTLOCALEThis cookie is used to determine what country the visitor
comes from - This allows the website to set the language accordingly, if
possible. The information can be determined through the visitor’s
IP-address.
Expiry: SessionType: HTTP
* Statistics 38
Statistic cookies help website owners to understand how visitors interact
with websites by collecting and reporting information anonymously.
* ASP
2
Learn more about this provider
_pk_id#Collects statistics on the user's visits to the website, such as
the number of visits, average time spent on the website and what pages
have been read.
Expiry: 1 yearType: HTTP
_pk_ses#Used by Piwik Analytics Platform to track page requests from the
visitor during the session.
Expiry: 0 dayType: HTTP
* Amazon
2
Learn more about this provider
mapbox.eventData.uuid:#Pending
Expiry: PersistentType: HTML
mapbox.eventData:#Pending
Expiry: PersistentType: HTML
* Apple
1
Learn more about this provider
geoSaves the user's current geographical location based on the user's IP
address.
Expiry: SessionType: HTTP
* Canva
3
Learn more about this provider
dv_last_interactionStores data on the time spent on the website and its
sub-pages, during the current session.
Expiry: PersistentType: HTML
analytics_event_v2#analytics_event_metadataAllows queries from third-party
database for implementation of visual content.
Expiry: PersistentType: IDB
analytics_event_v2#analytics_event_v2Allows queries from third-party
database for implementation of visual content.
Expiry: PersistentType: IDB
* Cxense
1
Learn more about this provider
_ls_ttlContains the expiry date for other cookies.
Expiry: PersistentType: HTML
* Google
1
Learn more about this provider
tdRegisters statistical data on users' behaviour on the website. Used for
internal analytics by the website operator.
Expiry: SessionType: Pixel
* Hubspot
4
Learn more about this provider
__hsscIdentifies if the cookie data needs to be updated in the visitor's
browser.
Expiry: 0 dayType: HTTP
__hssrcUsed to recognise the visitor's browser upon reentry on the
website.
Expiry: SessionType: HTTP
__hstcSets a unique ID for the session. This allows the website to obtain
data on visitor behaviour for statistical purposes.
Expiry: 179 daysType: HTTP
hubspotutkSets a unique ID for the session. This allows the website to
obtain data on visitor behaviour for statistical purposes.
Expiry: 179 daysType: HTTP
* LinkedIn
1
Learn more about this provider
AnalyticsSyncHistoryPending
Expiry: 29 daysType: HTTP
* Linkedin
1
Learn more about this provider
browser_idUsed to recognise the visitor's browser upon reentry on the
website.
Expiry: 5 yearsType: HTTP
* Piano
1
Learn more about this provider
_pcidRegisters statistical data on users' behaviour on the website. Used
for internal analytics by the website operator.
Expiry: 1 yearType: HTTP
* Twitter Inc.
1
Learn more about this provider
personalization_idThis cookie is set by Twitter - The cookie allows the
visitor to share content from the website onto their Twitter profile.
Expiry: 399 daysType: HTTP
* Typeform
7
Learn more about this provider
rl_anonymous_idRegisters statistical data on users' behaviour on the
website. Used for internal analytics by the website operator.
Expiry: PersistentType: HTML
rl_group_idRegisters statistical data on users' behaviour on the website.
Used for internal analytics by the website operator.
Expiry: PersistentType: HTML
rl_group_traitRegisters statistical data on users' behaviour on the
website. Used for internal analytics by the website operator.
Expiry: PersistentType: HTML
rl_sessionCollects data on the user's visits to the website, such as the
number of visits, average time spent on the website and what pages have
been loaded with the purpose of generating reports for optimising the
website content.
Expiry: PersistentType: HTML
rl_traitRegisters statistical data on users' behaviour on the website.
Used for internal analytics by the website operator.
Expiry: PersistentType: HTML
rl_user_idRegisters statistical data on users' behaviour on the website.
Used for internal analytics by the website operator.
Expiry: PersistentType: HTML
tracking_session_idDetermines when the visitor last visited the different
subpages on the website, as well as sets a timestamp for when the session
started.
Expiry: 0 dayType: HTTP
* Vimeo
1
Learn more about this provider
vuidCollects data on the user's visits to the website, such as which pages
have been read.
Expiry: 2 yearsType: HTTP
* cdn.cxense.com
cdn.tinypass.com
2
_pctx [x2]Registers statistical data on users' behaviour on the website.
Used for internal analytics by the website operator.
Expiry: 1 yearType: HTTP
* metamanager.io
2
_hjSession_#Collects statistics on the visitor's visits to the website,
such as the number of visits, average time spent on the website and what
pages have been read.
Expiry: SessionType: HTTP
_hjSessionUser_#Collects statistics on the visitor's visits to the
website, such as the number of visits, average time spent on the website
and what pages have been read.
Expiry: SessionType: HTTP
* open.spotify.com
sifted.eu
2
sentryReplaySession [x2]Registers data on visitors' website-behaviour.
This is used for internal analysis and website optimization.
Expiry: SessionType: HTML
* pitch.com
1
unleash:repository:sessionIdUsed in connection with phased release which
allows the website owner to assign a certain number of users to a specific
version of the website.
Expiry: PersistentType: HTML
* pitch.com
sifted.eu
form.typeform.com
3
dd_cookie_test_# [x3]Registers data on visitors' website-behaviour. This
is used for internal analysis and website optimization.
Expiry: SessionType: HTTP
* sifted.eu
1
_dd_sRegisters the website's speed and performance. This function can be
used in context with statistics and load-balancing.
Expiry: 0 dayType: HTTP
* summit.sifted.eu
1
CFIDThis cookie is used in context with the "Cftoken" cookie. The cookie
stores a specific ID for the visitor and the visitor's device and browser.
Expiry: 29 daysType: HTTP
* Marketing 96
Marketing cookies are used to track visitors across websites. The intention
is to display ads that are relevant and engaging for the individual user and
thereby more valuable for publishers and third party advertisers.
* Meta Platforms, Inc.
3
Learn more about this provider
lastExternalReferrerDetects how the user reached the website by
registering their last URL-address.
Expiry: PersistentType: HTML
lastExternalReferrerTimeDetects how the user reached the website by
registering their last URL-address.
Expiry: PersistentType: HTML
_fbpUsed by Facebook to deliver a series of advertisement products such as
real time bidding from third party advertisers.
Expiry: 3 monthsType: HTTP
* ASP
1
Learn more about this provider
piwik.phpSets a unique ID for the visitor, that allows third party
advertisers to target the visitor with relevant advertisement. This
pairing service is provided by third party advertisement hubs, which
facilitates real-time bidding for advertisers.
Expiry: SessionType: Pixel
* Cxense
8
Learn more about this provider
_cX_atfrCollects information on user behaviour on multiple websites. This
information is used in order to optimize the relevance of advertisement on
the website.
Expiry: PersistentType: HTML
_cX_lastP1TimeCollects information on user behaviour on multiple websites.
This information is used in order to optimize the relevance of
advertisement on the website.
Expiry: PersistentType: HTML
_cX_lstCollects information on user behaviour on multiple websites. This
information is used in order to optimize the relevance of advertisement on
the website.
Expiry: PersistentType: HTML
_cX_SCollects information on user behaviour on multiple websites. This
information is used in order to optimize the relevance of advertisement on
the website.
Expiry: SessionType: HTML
Repo/rep.gifCollects data on user behaviour and interaction in order to
optimize the website and make advertisement on the website more relevant.
Expiry: SessionType: Pixel
gckpRegisters a unique ID that identifies a returning user's device. The
ID is used for targeted ads.
Expiry: 1 yearType: HTTP
cX_GCollects information on user behaviour on multiple websites. This
information is used in order to optimize the relevance of advertisement on
the website.
Expiry: 1 yearType: HTTP
cX_PRegisters a unique ID that identifies a returning user's device. The
ID is used for targeted ads.
Expiry: 1 yearType: HTTP
* Giphy Support
1
Learn more about this provider
giphyPingbackIdUsed to track the visitor's usage of GIFs - This serves for
analytical and marketing purposes.
Expiry: SessionType: HTML
* Google
18
Learn more about this provider
__Host-GAPSCollects data on the user's visits to the website, such as the
number of visits, average time spent on the website and what pages have
been loaded with the purpose of generating reports for optimising the
website content.
Expiry: 2 yearsType: HTTP
GFE_RTTUsed to implement the content through Google Docs.
Expiry: SessionType: HTTP
punchv-e-fUsed to implement the content through Google Docs.
Expiry: PersistentType: HTML
punchv-e-nUsed to implement the content through Google Docs.
Expiry: PersistentType: HTML
punchv-e-vUsed to implement the content through Google Docs.
Expiry: PersistentType: HTML
IDEUsed by Google DoubleClick to register and report the website user's
actions after viewing or clicking one of the advertiser's ads with the
purpose of measuring the efficacy of an ad and to present targeted ads to
the user.
Expiry: 399 daysType: HTTP
pagead/landingCollects data on visitor behaviour from multiple websites,
in order to present more relevant advertisement - This also allows the
website to limit the number of times that they are shown the same
advertisement.
Expiry: SessionType: Pixel
receive-cookie-deprecationCollects information on user behaviour on
multiple websites. This information is used in order to optimize the
relevance of advertisement on the website.
Expiry: 179 daysType: HTTP
ads/ga-audiencesUsed by Google AdWords to re-engage visitors that are
likely to convert to customers based on the visitor's online behaviour
across websites.
Expiry: SessionType: Pixel
NIDRegisters a unique ID that identifies a returning user's device. The ID
is used for targeted ads.
Expiry: 6 monthsType: HTTP
pagead/1p-user-list/#Pending
Expiry: SessionType: Pixel
collectUsed to send data to Google Analytics about the visitor's device
and behavior. Tracks the visitor across devices and marketing channels.
Expiry: SessionType: Pixel
pagead/gen_204Collects data on visitor behaviour from multiple websites,
in order to present more relevant advertisement - This also allows the
website to limit the number of times that they are shown the same
advertisement.
Expiry: SessionType: Pixel
pcs/activeviewUsed by DoubleClick to determine whether website
advertisement has been properly displayed - This is done to make their
marketing efforts more efficient.
Expiry: SessionType: Pixel
pcs/viewPending
Expiry: SessionType: Pixel
csiCollects data on visitors' preferences and behaviour on the website -
This information is used make content and advertisement more relevant to
the specific visitor.
Expiry: SessionType: Pixel
ui/v1/icons/mail/images/cleardot.gifPending
Expiry: SessionType: Pixel
_gatUsed to send data to Google Analytics about the visitor's device and
behavior. Tracks the visitor across devices and marketing channels.
Expiry: 0 dayType: HTTP
* Hubspot
1
Learn more about this provider
__ptq.gifSends data to the marketing platform Hubspot about the visitor's
device and behaviour. Tracks the visitor across devices and marketing
channels.
Expiry: SessionType: Pixel
* LinkedIn
2
Learn more about this provider
li_sugrPending
Expiry: 3 monthsType: HTTP
UserMatchHistoryPending
Expiry: 29 daysType: HTTP
* Meta Platforms, Inc.
1
Learn more about this provider
frPending
Expiry: 3 monthsType: HTTP
* Piano
5
Learn more about this provider
__patUsed in context with the implementation of content from other news
sites. The cookie also allows for the third-party news site to gather user
data on the current website.
Expiry: 29 daysType: HTTP
__pviUsed in context with the implementation of content from other news
sites. The cookie also allows for the third-party news site to gather user
data on the current website.
Expiry: 0 dayType: HTTP
__tbcRegisters data on visitors from multiple visits and on multiple
websites. This information is used to measure the efficiency of
advertisement on websites.
Expiry: 2 yearsType: HTTP
_pprvCollects data on user behaviour and interaction in order to optimize
the website and make advertisement on the website more relevant.
Expiry: 1 yearType: HTTP
xbcCollects data on user behaviour and interaction in order to optimize
the website and make advertisement on the website more relevant.
Expiry: 2 yearsType: HTTP
* RudderStack
1
Learn more about this provider
__tld__Used to track visitors on multiple websites, in order to present
relevant advertisement based on the visitor's preferences.
Expiry: SessionType: HTTP
* Spotify
2
Learn more about this provider
sp_landingUsed to implement audio-content from Spotify on the website. Can
also be used to register user interaction and preferences in context with
audio-content - This can serve statistics and marketing purposes.
Expiry: 0 dayType: HTTP
sp_tUsed to implement audio-content from Spotify on the website. Can also
be used to register user interaction and preferences in context with
audio-content - This can serve statistics and marketing purposes.
Expiry: 1 yearType: HTTP
* Twitter Inc.
10
Learn more about this provider
1/i/adsct [x2]Collects data on user behaviour and interaction in order to
optimize the website and make advertisement on the website more relevant.
Expiry: SessionType: Pixel
i/adsct [x2]The cookie is used by Twitter.com in order to determine the
number of visitors accessing the website through Twitter advertisement
content.
Expiry: SessionType: Pixel
muc_adsCollects data on user behaviour and interaction in order to
optimize the website and make advertisement on the website more relevant.
Expiry: 399 daysType: HTTP
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News
January 28, 2021
N26 SPENT €27M ON FAILED UK BID, CONTRIBUTING TO HEAVY LOSSES
THE DIGITAL BANK HAS RELEASED SNIPPETS FROM ITS 2019 ACCOUNTS, SHOWING SOARING
LOSSES
--------------------------------------------------------------------------------
Isabel Woodford
3 min read
German digital bank N26 may have just hit 7m customers, but its 2019 accounts
suggest it's paying a high price for popularity.
N26 saw global operational losses grow to €217m in 2019, a 210% hike on the
previous year. This is despite having doubled its revenues from €43m to €100m in
2019, according to a press briefing.
The company, which is six years old, posted heavy expansion costs including to
the UK, where it eventually pulled out of early last year after spending €26.9m.
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In an interview with The Handelsblatt , N26 chief executive Valentin Stalf
explained the losses were a product of "investment", as well as growing the team
to over 1500.
Stalf also suggested profitability was "in sight" for the end of this year, with
2020 proving slightly more positive (unofficially recording €110m in losses).
Ironically, this reduction in losses also comes alongside slowed customer
growth. In 2020, N26 onboarded 2m users; down from 3m in 2019 — following a drop
in marketing spend amid coronavirus.
The company now has ambitions to bring on 100m customers worldwide. Currently,
its user base is heavily concentrated in its native Germany and France, making
slow inroads in the US.
A TREND
N26's stark losses come as no surprise following the 2019 accounts of fellow
neobanks Revolut, Starling, and Monzo, which were published last summer. All saw
post-tax losses grow to between £52m and £113m.
Every Tuesday
~/ FINTECH
Your weekly update on the latest trends across (neo)banking, buy now pay later,
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By Tom Matsuda
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The results come as a surly reality check for the sector, which has attracted
millions of consumer users but seem to be struggling to control costs. Digital
banks also still seem to be grappling with how to seriously monetise current
accounts — often dubbed the “low hanging fruit” of banking — and it remains to
be seen whether their business models can confidently ride out Covid-19 or
deliver the multibillion dollar valuations.
Still, there are some signs of a turning tide.
Fintech analyst Lex Sokolin says Revolut’s 2019 revenues put it confidently in
the lead among the neobanks. Speaking on the Rebank podcast, he said: “£160m in
revenue… that number feels quite large and it does feel to some extent like a
victory of building a large scalable business.”
N26 LOOKING AHEAD
One positive for N26 is it has the most diversified revenue stream among its
peers.
Transaction fees (known as interchange) still makes up an important part of all
digital banks' businesses, but it now only contributes 30-40% of N26's income.
Card transactions is a piecemeal income source that is ultimately pegged to how
much people spend, meaning N26 may have proven more resilient during the
lockdown period as card use dropped.
Instead, N26 has built up a good premium offering, charging an average of €9 for
accounts and added services. Subscription fees made up 30-40% of the company's
revenues, while between 20-40% came from its lending division and partner
offerings.
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To date, N26 has raised over €800m, including from Peter Thiel's fund Valar
Ventures and China's Tencent.
It will be hoping to put this war chest to use in the US this year (it has
countless job openings in the region advertised on LinkedIn). It also scooped a
bank licence in Brazil.
The company also told CNBC it is considering acquiring other fintechs, having
recently brought on a new CFO with experience taking startups public.
Nonetheless, N26 will need to keep on an eye on the German regulator, Bafin.
Reports this week suggested that Bafin is looking at tightening control over
banks like N26 in response to the Wirecard debacle.
It has also seen staff in Germany unionise after opposition over the summer.
Note: N26 will officially file its 2019 accounts in the next few weeks. German
media outlet The Handelsblatt first reported the figures, before a press outline
was sent to Sifted.
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Isabel Woodford
# Fintech# Germany
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* Customer blunders and tensions at the top – behind N26’s failed UK expansion
Last month, German digital bank N26 announced it was leaving the UK, blaming
Brexit. But an investigation shows the company had faced a regulatory mishap
in the weeks prior.
Isabel Woodford and John Hunter
* Starling, Revolut and Monzo's annual results compared
Analysts weigh in on why digital banks are still heavily loss-making, and
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Monzo, N26, Revolut and even Barclays face tough local competition after
going state-side
Isabel Woodford
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