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BERLIN — “That is f*cking clever,” said Ben Floyd, 33, as we sat in a trendy cafe in Berlin’s Mitte district. Floyd, who runs a digital agency in London, was showing me some features of N26, the mobile application he now uses as his bank in Germany.

As he took me through the process of doing a money transfer, he realized that the numbers on the pinpad changed position every time he was asked to enter them, making it virtually impossible for any onlookers to guess his pin. 

“These kinds of unexpected pleasures are what really make the experience so cool,” he said.

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