Career
Author
In a rapidly evolving world where technology and shifting consumer expectations redefine industries, banking stands at the epicenter of change. From Vaults to Clouds is a groundbreaking exploration of this transformation, offering deep insights into the forces shaping the future of finance.
Michael Rothschild, a prominent member of the Rothschild family—the early inventors of modern banking—brings his unparalleled perspective to this collaboration. After hearing fintech pioneers Benjamin van der Lande and Maurice Weber deliver a profound address at the World Economic Forum, Rothschild encouraged the duo to pen this book together. Their shared expertise offers readers an unparalleled guide to understanding the seismic shifts facing the financial industry.
From the aftermath of the 2008 financial crisis to the meteoric rise of neobanks and blockchain technology, From Vaults to Clouds explores the challenges traditional banks face, the innovations driving growth, and the role of Gen Z in reshaping consumer finance. Enriched with real-world case studies, this book deciphers complex trends and offers actionable insights for navigating the future.
Whether you’re a financial professional, a tech enthusiast, or simply curious about the next chapter of global banking, From Vaults to Clouds is an essential read for understanding the path forward—and the profound opportunities that lie ahead.
Henri
Dec 2022 – Present
Co-Founder
Nov 2022 – Present
Henri is a Neobanking application that is focussed on guiding our users to become financially fit.
Every business you start should begin from a marketing perspective. Let me explain:
Of course, every product needs to solve a problem—this is the foundation. But that’s just the beginning. Once you’ve identified the problem you’re solving, the next step is to create the story before you even start thinking about how the product works, what the details are, or how you’ll actually build it (let alone sell it).
This is how I’ve done this with Henri: he’s a wise, wealthy, and funny old man who guides you on your journey to become financially fit. By defining this story upfront, you ensure that everything—every decision, feature, and detail—is aligned with the vision of the product. This approach creates a cohesive experience that not only solves the problem but also resonates deeply with your audience.
Our mission is to guide our users to become financially fit by educating them on (boring) financial topics, and giving them the tools to manage their finances and compete with their friends. While offering Neobanking capabilities we’re not a Neobank: We’re the guide in our user’s financial life.
HenriPay Holding N.V.
Dec 2022 – Present
As the Chief Marketing Officer of the Fintech Department of our holding, I’ve been responsible for co-founding and launching our Neobanking product (Henri), building our Frictionless bars concept, and other ventures we’re currently building. In the long term, we’re focussed on executing our strategy as a fintech holding, seeking a long-term healthy investment for our shareholders.
Member of the Management Board
Nov 2022 – Present
As a member of the management board, my responsibillities vary depending on the need of the company.
I’ve been co-responsible for:
– Successfully signing a €100M + construction deal
– Co-Founding our Neobanking proposition
– Crafting our long-term strategy and ensuring all our daily activities align with our strategy
Major Shareholder
Oct 2022 – Present
After helping the company become public I became one of the major shareholders and core team members. Since then we’ve grown from roughly a $500M market capitalization to a $4.000.000.000 (Billion) powerhouse. Our strategy has shifted from primairly Real Estate and Cosntruction to Fintech as our main focus. In December 2024 we’ve rebranded the company from HB Holding N.V. to HenriPay Holding N.V. to ensure our strategy and vision is aligned with the positioning of the company.
Our stock is listed under ISIN: NL0015000NA2
Crebos - The Remote Tech Department of Your Business.
Member of The Supervisory Board
Jun 2023 – Present
After stepping down from my role as President while retaining my ownership in the company, I transitioned to a position on the Supervisory Board. This move allows me to ensure that the valuable insights and knowledge I’ve gained are effectively shared, while we continue to uphold our commitment to serving our clientele.
Jun 2020 – Present
Crebos is a globally established company with offices spanning the globe, including strategic locations in Indonesia, India, and Australia.
Our core expertise lies in the development of intricate software solutions catering to major institutions of repute. Our clientele includes esteemed organizations such as Philips, Disney, Exact, the Dutch Government, Cabeau, and many more.
In addition to our robust service portfolio, we are deeply committed to creating innovative in-house software solutions that we seamlessly introduce to the market. This approach reflects our holistic vision and continuous pursuit of excellence.
At present, our dynamic team comprises over 70 dedicated professionals, each united by a shared mission – to engineer the highest quality software. Whether it’s for our own benefit or that of our esteemed partners, our collective dedication drives us to deliver the pinnacle of software excellence.
President
Jul 2020 – Oct 2022
After joining the company as co-owner and President my journey in the software industry began. Having no prior experience in this industry, I had to rapidly adjust and learn. As president of Crebos, a global software development agency with a leading position in the Netherlands, I was responsible for:
– Closing deals with whale clients.
– Creating GTM strategies for our incubation projects and for our clientele.
– Running day-to-day operations ensuring alignment and efficiency.
During my role as President, I’ve had the pleasure to work with a big portfolio of companies like: the Dutch government, Disney, Exact Online, Phillips and many more.
Selau OM B.V.
Dec 2019 – Oct 2023
Founded an online retailer specializing in marketplaces such as Amazon and Bol.com and eventually sold it marking my first major entrepreneurial success.
Chief Executive Officer
Jan 2020 – Jun 2020
Brutal Lifers
Founder
Jan 2018 – Dec 2019
As a young entrepreneur and fitness fanatic inspired by brands like Gym Shark, I started Brutal Lifters. After serving over 10.000 happy clients the company discontinued.