Member
Shabbir Maimoon
Profilbild von Shabbir Maimoon

Shabbir Maimoon

23

My name is Shabbir Maimoon, and I am studying International Information Systems at Technische Hochschule Augsburg. I am deeply interested in building real systems that solve structural problems rather than surface-level inconveniences, especially in the areas of finance, automation, and digital infrastructure.
 I am currently working on Nexus, a fintech project focused on simplifying fragmented financial processes in Europe, starting with Germany. Nexus aims to unify payments and recurring financial flows into a single, secure digital system, reducing friction for everyday users and especially for small merchants affected by high fees and legacy infrastructure.
 Alongside my academic and startup work, I have over four years of hands-on experience trading and investing in the Indian stock market and cryptocurrencies. This experience has given me a strong practical understanding of markets, liquidity, risk management, and investor behaviour across both traditional and digital assets. Actively managing my own capital taught me how financial systems work in practice, not just in theory and sharpened my ability to evaluate incentives, inefficiencies, and user trust in financial products. This perspective directly influences how I think about building reliable, user-centric financial infrastructure with Nexus. Alongside Nexus, I have been actively involved in applied and entrepreneurial projects that shaped how I build. In the course Rapid Business Model Prototyping, I worked with the sustainability startup MOSiON, supporting business model refinement, assumption testing, and user validation under real constraints. Through Enactus Augsburg, I regularly support early-stage startups by helping with idea validation, structuring problems, and translating abstract concepts into actionable systems. In AI and Communication, I focused on transparency and trust in AI systems, which strongly influences how I think about automation in regulated, high-trust environments such as finance.
 Across all my projects, I prioritize understanding how systems behave in the real world—technically, economically, and socially. I focus on validating assumptions early, building step by step, and designing with scale and long-term impact in mind. Nexus is still early, but I am fully committed to developing it into a real, scalable product that improves how financial infrastructure works for both users and small businesses.
 Earlier in my academic journey, I achieved an All-India Rank of 53 in Technothlon, a national-level problem-solving competition organized by IIT Guwahati, which strengthened my analytical thinking and ability to perform under competitive, time-constrained conditions. Outside of my professional work, one important part of my life has been my fitness journey. Over the last three years, I have transformed myself by losing more than 35 kg and building a healthier, more disciplined lifestyle. Through this process, I learned deeply about training, nutrition, recovery, and the importance of sleep, not just physically, but mentally. More importantly, this journey taught me consistency, persistence, and the habit of showing up every day, even when motivation is low. While this is not directly related to my work, it is one of the most important skills I have developed, and it strongly influences how I approach long-term projects, challenges, and building something meaningful.

Projekt

Nexus

http://72.60.178.65:8087

I am currently building Nexus, a fintech project aimed at simplifying fragmented financial and administrative systems in Europe, starting with Germany. Nexus grew out of direct frustration with how inefficient everyday financial processes still are in one of the world’s strongest economies. Bank transfers can take hours or days, cash is still used for around 52% of everyday transactions in Germany, and small merchants are often burdened by high fees charged by large card networks. In comparison, cash usage is far lower in countries like the US and China. On the user side, recurring payments, subscriptions, taxes, and essential services are spread across disconnected platforms with very little automation. Rather than building just another payments app, Nexus is designed as a system-level solution. The goal is to create a unified digital flow for a person’s economic life—connecting payments, recurring bills, subscriptions, and essential services through a single secure digital identity. For users, this means fewer manual steps and better control over their finances. For small merchants, Nexus aims to offer low-friction, low-fee digital payments that reduce dependence on expensive card networks and legacy banking infrastructure, helping them compete more fairly. Nexus is envisioned as an all-in-one European platform that enables instant, secure, and 24/7 payments between people and merchants without cash, cards, or IBANs. Beyond payments, it is designed to support automated recurring bills, rent or tax payments, and everyday services such as tickets or insurance in one place. So far, my work on Nexus has included user research with students and small merchants to identify real friction points such as payment acceptance, reconciliation, and recurring obligations. I have conducted structured competitor and market analysis across European payment solutions (including SEPA Instant, Wero, and neobanks) as well as global super-apps like Paytm and PhonePe to understand what works and what does not translate to the European context. Based on this, I defined a focused roadmap and MVP scope, intentionally starting narrow with instant peer-to-peer and merchant payments combined with a recurring payments layer. I also assembled a small team, set up product and technical workflows, and worked on early UX flows and system architecture with a strong focus on how identity, payments, and automation interact as one coherent system.