Background
Hey, I am Michael.
I am Michael Wutzke, an IT expert for data platforms in Frankfurt, with more than twenty years in digital projects, in leadership and in hands-on roles. I have led development, product and marketing teams of up to 50 employees. Today I support companies and decision makers in finance with practical execution, strategic sparring and my network across IT, product development and business development.
My industry knowledge covers finance, insurance, e-commerce and real estate. My early work was mostly B2B, with some years in B2C, and today I work in B2B again. I have built many digital projects with my own hands, so I have a good understanding which solutions work and which do not. I am very experienced in creating concepts and challenging those of others.
I have learned to use AI agents across the full stack, for building infrastructure, program code and data. My industry knowledge and more than twenty years of experience in software, hardware, media and marketing are now combined with my knowledge of AI. I often work with AI agents and I have connected them to my full working stack. My personal focus areas include MCP servers, autonomous agents and virtual companies.
I take on engagements as an external consultant, interim manager or freelancer, part-time or full-time, and I am open to a permanent role.
What I do today
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Helping companies to grow
Growth comes from products that reach the market and from partnerships that open new customer groups. My work covers digital transformation, business development and product launches, down to the conversion work that turns visitors into customers.
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Building data platforms
Data and workflows are often the core of many businesses. That takes infrastructure that scales, workflows that keep the data current, and a data model other systems can use. Often the challenges are not about the technology, but somewhere else.
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Organizing AI workshops
Since June 2026 I teach practical work with Claude at the Claude Hacker House workshops in Frankfurt: prompting, AI-assisted workflows, MCP servers and virtual organizations. This is the place where AI practitioners meet and discuss.
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Bringing decision-makers together
I bring a large network to the table with decision-makers from banks, fintechs and regulation. I am often at events and co-founded Finance Loop, a network of financial experts with over 4,000 members.
Everyone is capable
Today, anyone can now create a solution by prompting. When code costs almost nothing, people turn hyperactive and build more results than anyone can consume. Employees get flooded with information, and the relevant part reaches the right person less and less often. What becomes scarce is knowing which information is correct, what you can trust and which business rules a tool must follow. Here is where experience comes into play.
Over the years I have learned to judge things. My work combines a deep technical understanding of frontend, backend and infrastructure with domain knowledge from finance, e-commerce and real estate. That is how I can often tell, also from failures in the past, whether a result holds up and whether something follows the rules of the business or its customers.
I am good at
I find the right solution for a given audience, and I give reasons for the options I propose. I write concepts myself, and I judge and implement the concepts of others. I learned over many years what makes a product successful by applying strategic concepts to web projects and in trainings on website optimization, and I learned IT project management early by coordinating teams of developers. When someone presents something to me, I can tell how well it will be understood and challenge it.
A goal without a concept and a lack of measurable metrics is just an idea.
How I can help
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Growth and market launch
A product reaches its customers faster when launch and conversion are planned together with the technology.
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Sparring partner
I challenge plans before the budget is spent and help decision-makers win over the people they need.
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AI agents in daily work
I set up AI agents that work under the same rules as your staff, and I train the team that works with them.
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Motivating teams
Teams that know what their work is for deliver sooner. I give them clear goals and remove blockers.
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Technology in contracts
I turn technical facts into wording lawyers can use, and I know due diligence from both sides.
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Roadmaps
I plan products step by step for the audience they are built for, with the technology ready for each step.
Trainings and certifications
In the last years I attended many trainings in technology, management and communication, and some of these trainings led to an official certification. I learn whenever I have time. That is why I travel by train: the hours on board belong to a course, mostly a video training.
I am certified by Amazon Web Services as Solutions Architect Associate and Cloud Practitioner for the services of the AWS cloud, by Google for Analytics and Mobile Sites, and by Scrum.org as Professional Scrum Master. I am a Certified Bitcoin Professional and a Certified DeFi Expert. The Frankfurt chamber of commerce has authorized me to train apprentices as IT specialists in application development (Fachinformatiker Anwendungsentwicklung) and in system integration (Fachinformatiker Systemintegration).
Motivated and in a good mood
I love my fields of work, and I am grateful for every day I can work on ideas. I am used to working with many kinds of people, young and old. I am active and emotional, and I think strategically. My positive attitude motivates the people who work with me.
Good employees in a company do not need a manager, they need orientation and support.
Blockchains and DLTs
I have dealt with cryptocurrencies and blockchains since 2015, and I follow the development of distributed ledger technologies. In 2015 I started running my own Bitcoin miners and blockchain nodes, and I still run nodes today.
In my opinion, business models built on blockchains and smart contracts will be an important part of how companies develop their business in the coming years, especially in finance, e-commerce and real estate.
Investor and advisor
Next to IT I am active as a business angel, consultant and investor. I am a member of the Digital Euro Association, a think tank on central bank digital currencies, stablecoins and crypto assets. I organize meetups on digital assets, and I contribute to the adoption of digital token identifiers.
Fintech Experience
From 2016 to 2021, Michael was responsible for numerous IT projects at Policen Direkt, a company in the insurance sector, including its AWS cloud infrastructure.
In 2022, Michael was Head of Decentralized Finance at the Frankfurt-based company Blocksize Capital and responsible for infrastructure as Head of Node Operations. From January 2023 to November 2024, he was Chief Information Officer there. His work combined technical leadership with the commercial development of financial technology products.
He personally won clients from banks, investment companies and funds. This experience informs his go-to-market work in fintech, digital assets, blockchain and payments. His responsibilities included infrastructure for blockchain nodes and a market-data product, described in the account of his CIO tenure. Since 2024, Michael has worked in fintech and growth advisory.
Financial Industry Engagement
Michael held technical and commercial partnership discussions with major institutions, such as Deutsche Börse Group, SIX Group and Moody’s.
Michael is the initiator of Finance Loop, a professional network for emerging technologies in finance. His work there includes exchanging views with financial institutions on digital assets, blockchain systems and AI in finance. He also participates in member assemblies of numerous associations, including Frankfurt Main Finance.
Attending events
Between 2021 and 2025 I went to more than 200 business events, from international conferences to local meetups. I met exciting personalities such as Charles Hoskinson, the creator of Cardano, business people and Web3 enthusiasts. I like to connect with people and to exchange ideas about decentralized finance.
My favorite animal
The Cookie Monster rocks!
Let's stay connected
I'm always seeking to exchange with like-minded individuals.
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