Community Member of the Month: Dateio

In this month's edition, we spoke with Henning Hesse, Chief Bank Relationship Officer at Dateio. 

Dateio empowers banks and businesses with data-driven solutions to enhance customer engagement, drive sustainable growth, and offer personalized rewards based on spending behavior.

Within Dateio, Henning oversees the company’s bank portfolio and expansion into Western Europe. He has played a key role in introducing Europe’s largest merchant-financed cashback platform in Germany.

Henning discussed the value of transaction data, shared surprising insights from payment data analysis and cross-European banking markets, addressed key challenges in convincing banks to adopt data-driven solutions, and highlighted recent achievements.

Q&A

Dateio was founded in 2013, when payment data was still a relatively unexplored field. What convinced you that transaction data would become such a valuable asset for banks and businesses?

Banks possess enormous amounts of data that, from their perspective, remain largely underutilized. We identified this gap early on and sought to address it. Our solution converts this previously dormant data into value for all three key stakeholders: banks, merchants, and customers.
To date, we have successfully implemented this model across seven markets.

After participating in our TQ Accelerator: Digital Finance 2025, what milestones did you achieve?

The TQ Accelerator: Digital Finance significantly expanded our network, connecting us with both FinTechs and banks in Frankfurt and across Germany. It gave us valuable visibility and access, and I’d say the launch of our partnership with DKB fits perfectly into this trajectory. 

We’re truly grateful for the opportunity to be part of this Accelerator.

If readers remember only one thing about Dateio after watching this interview, what would you want it to be?

We transform everyday spending into tangible benefits for everyone involved. Customers save money, merchants boost customer loyalty, and banks become more integral to their customers’ daily lives. 

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