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<!-- --> <span class="text-primary" style="opacity:0;transform:translateY(20px)">wir verändern die gesamte Marktstruktur.</span></h1></div></div></section><section class="my-7 bg-pale-mint/20 py-10 lg:my-0 lg:py-24"><div class="container mx-auto px-5 sm:px-6 lg:px-8"><div class="space-y-10 lg:space-y-32"><div class="flex flex-col lg:flex-row items-center gap-5 lg:gap-0" style="opacity:0;transform:translateY(20px)"><div class="w-auto space-y-5 px-4 lg:space-y-6 lg:px-8"><div class="text-2xl font-bold text-navy-blue lg:text-4xl" style="opacity:0;transform:translateY(20px)"><h2>Bei jeder Zahlung <!-- --> <span class="font-heading text-primary">
20tragen zahlreiche Akteure zu überhöhten Gebühren bei.</span></h2></div><p class="text-base font-medium text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Viele verdienen mit: von Anbietern mobiler Wallets und Kartensystemen bis hin zu Zahlungsdienstleistern und Banken. Zusätzlich sind eine Vielzahl von Auslagerungsunternehmen beteiligt. Außerdem ist die Bereitstellung von Bargeld mit Kosten verbunden, die u.a. über Steuergelder finanziert werden.</p></div><div class="order-first flex w-full justify-center lg:order-none"><div class="relative"><div class="absolute inset-0 rounded-full bg-primary/10 blur-3xl"></div><div class="relative rounded-3xl" style="opacity:0;transform:translateY(20px)"><img src="/assets/graph-DW0vuOS5.png" alt="Bei jeder Zahlung " class="h-[8rem] w-[8rem] object-contain lg:h-[11.52rem] lg:w-[11.52rem]"/></div></div></div></div><div class="flex flex-col lg:flex-row-reverse items-center gap-5 lg:gap-0" style="opacity:0;transform:translateY(20px)"><div class="w-auto space-y-5 px-4 lg:space-y-6 lg:px-8"><div class="text-2xl font-bold text-navy-blue lg:text-4xl" style="opacity:0;transform:translateY(20px)"><h2>Unsere Mission ist es, die <!-- --> <span class="font-heading text-primary">sozialisierten Kosten beim Zahlen zu reduzieren.</span></h2></div><p class="text-base font-medium text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Warum? Weil letztendlich wir alle diese versteckten Gebühren tragen, die regelmäßig 1-7% des Zahlungsbetrages ausmachen und oft sogar darüber hinausgehen. Als Privatkunden sehen wir diese Gebühren nicht, aber wir stellen selbstverständlich das Geld bereit, um sie zu bezahlen.</p></div><div class="order-first flex w-full justify-center lg:order-none"><div class="relative"><div class="absolute inset-0 rounded-full bg-primary/10 blur-3xl"></div><div class="relative rounded-3xl" style="opacity:0;transform:translateY(20px)"><img src="/assets/loop-DUyGYzeG.png" alt="Unsere Mission ist es, die " class="h-[8rem] w-[8rem] object-contain lg:h-[11.52rem] lg:w-[11.52rem]"/></div></div></div></div><div class="flex flex-col lg:flex-row items-center gap-5 lg:gap-0" style="opacity:0;transform:translateY(20px)"><div class="w-auto space-y-5 px-4 lg:space-y-6 lg:px-8"><div class="text-2xl font-bold text-navy-blue lg:text-4xl" style="opacity:0;transform:translateY(20px)"><h2>Uns geht es um mehr als nur <!-- --> <span class="font-heading text-primary">Kosten zu senken.</span></h2></div><p class="text-base font-medium text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Wir unterstützen die Bemühungen Instant Payments zum neuen Standard zu machen und gewährleisten, dass Europäer mit einer europäischen Lösung zahlen können - mit uns bleiben alle Daten in der EU. Nicht zuletzt machen wir digitale Zahlungen nicht nur für große Firmen, sondern auch für kleine Unternehmen und gemeinnützige Organisationen erschwinglich.</p></div><div class="order-first flex w-full justify-center lg:order-none"><div class="relative"><div class="absolute inset-0 rounded-full bg-primary/10 blur-3xl"></div><div class="relative rounded-3xl" style="opacity:0;transform:translateY(20px)"><img src="/assets/shield-DjALITQE.png" alt="Uns geht es um mehr als nur " class="h-[8rem] w-[8rem] object-contain lg:h-[11.52rem] lg:w-[11.52rem]"/></div></div></div></div></div></div></section><section class="relative h-[75vh] overflow-hidden"><div class="container relative mx-auto flex h-full items-center justify-center px-4 sm:px-6 lg:px-8"><div class="mx-auto max-w-3xl space-y-5 text-left lg:space-y-9"><div class="space-y-6" style="opacity:0;transform:translateY(20px)"><h2 class="text-4xl font-bold tracking-tight text-primary lg:text-6xl">Über uns</h2></div><p class="text-base font-medium leading-relaxed text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Wir haben jahrelang im Zahlungsverkehr gearbeitet. Dabei haben wir Studien über den europäischen Markt geschrieben, die Konto- und Kartenstrategie für ein Drittel der deutschen Bankkonten definiert und sogar ein Startup in der Branche gegründet. Dabei fiel uns immer wieder auf: Zahlungen sind zu kompliziert und zu teuer. Deshalb haben wir FLIZ ins Leben gerufen. Wir wollen Zahlungen einfacher und günstiger machen.</p><p class="text-base font-bold leading-relaxed text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Sei dabei, wenn wir den Zahlungsverkehr auf den Kopf stellen.</p><p class="text-base text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">Fun Fact: Obwohl wir aktuell nicht mehr so häufig dazu kommen, hat sich das Gründungsteam beim Wellenreiten kennengelernt.</p></div></div></section><section class="bg-background py-7 lg:py-24"><div class="container mx-auto px-5 sm:px-6 lg:px-8"><div class="mb-5 space-y-5 text-center lg:mb-10 lg:space-y-7"><h2 class="text-4xl font-bold text-navy-blue sm:text-6xl" style="opacity:0;transform:translateY(20px)">Gründer</h2><p class="text-base font-medium text-navy-blue lg:text-lg" style="opacity:0;transform:translateY(20px)">FLIZ wurde von einem Team mit umfangreicher Erfahrung und tiefgreifendem Fachwissen im Bereich Zahlungsverkehr und Finanztechnologie ins Leben gerufen.</p></div><div class="mx-auto grid max-w-3xl grid-cols-1 gap-5 md:grid-cols-2 lg:gap-8"><div class="group relative mx-auto w-3/4" style="opacity:0;transform:translateY(20px)"><div class="relative overflow-hidden rounded-xl bg-muted/30 px-2 py-5"><div class="relative mx-auto aspect-[3/4] w-[90%] overflow-hidden"><img src="/assets/Konrad-DMtSmOJS.png" alt="Konrad Holtkamp" class="h-full w-full object-cover transition-transform duration-300 group-hover:scale-105"/></div><div class="mt-4 px-2 text-left"><p class="text-lg font-bold">Konrad Holtkamp</p><p class="text-base text-muted-foreground">Business</p><div class="mt-2 flex items-center"><a href="https://www.linkedin.com/in/konrad-holtkamp/" target="_blank" rel="noopener noreferrer" class="text-primary transition-colors hover:text-primary/80"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="h-5 w-5" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M416 32H31.9C14.3 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text-muted-foreground">Technology</p><div class="mt-2 flex items-center"><a href="https://www.linkedin.com/in/robertoammirata/" target="_blank" rel="noopener noreferrer" class="text-primary transition-colors hover:text-primary/80"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="h-5 w-5" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z"></path></svg><span class="sr-only">LinkedIn Profile</span></a></div></div></div></div></div></div></section><footer class="border-t bg-muted/50"><div class="container 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