Baltes KI Solutions
Baltes KI Solutions

AI solutions with product depth.

Christian Baltes - senior product leader with 15+ years across FinTech, compliance and digital product. Today: own AI products and AI consulting for businesses that want AI built for production, not pitch decks.

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About

Product depth meets AI craft.

I have been building digital products for 15+ years - mostly where regulation, trust and user-friendly design need to align at the same time. Today I translate that experience into my own AI products and AI consulting for businesses.

Currently @ Spendit AG

Background: Telefónica (Mobile Financial Services), Wirecard, founder of Mirrorized GmbH (IoT/crowdfunding), Head of Product at PM Immobilien (90 % digitalisation, +20 % profit) and PPRO Financial. In early 2025 I completed my master's 'Digital & AI Transformation' at IU and have since combined all of that into my own AI products and AI consulting for businesses.

Focus areas

  • Product Strategy
  • AI / Generative AI
  • FinTech & Banking
  • EU AI Act & Compliance
  • Agile Leadership
  • Founder Mindset

Career highlights

  1. Since 2026
    Founder · Baltes KI Solutions

    Own AI products and AI consulting for businesses and families.

  2. 2024 - 2025
    Master · Digital & AI Transformation (completed)

    IU International University. Completed January 2025. Focus on generative AI, MLOps, governance.

  3. 2023 - present
    Senior Product Manager · Spendit AG

    Employee-benefits platform with regulated touchpoints.

  4. 2019 - 2022
    Head of Product · PPRO Financial

    Cross-border payments, regulatory integrations, platform strategy.

  5. 2015 - 2019
    Head of Product / GM · PM Immobilien

    90 % digitalisation, -15 % cost, +20 % profit.

  6. 2012 - 2015
    Founder & CEO · Mirrorized GmbH

    Crowdfunding and IoT/bathroom tech. Full founder loop from vision to market.

  7. 2004 - 2012
    Telefónica Germany · Mobile Financial Services

    Eight years building the MyHandy platform and banking-near services.

Services

Six levers, from strategy workshop to a shipped AI feature.

  • AI advisory & use case discovery

    Cut through the hype to find the AI levers that actually create value for your business. From buzzword to a prioritised roadmap in weeks.

  • AI product development

    From validated use case to a production AI feature, built end to end. With compliance, governance and a clean handover to your team. Not the kind of demo that dies in pilot.

  • AI product strategy & roadmapping

    From use case to a roadmap that holds up, including build-vs-buy, data setup and risk view.

  • AI in regulated industries

    FinTech, banking, compliance: AI solutions that pass the EU AI Act, GDPR and internal governance.

  • MVP building & prototyping

    From concept to a working prototype in weeks, not months, with modern AI tooling.

  • Digital transformation & agile coaching

    Operational transformation, cross-functionality, clear outcomes instead of process theatre.

Get in touch

Bring AI into your business without the usual hype damage.

15+ years of product leadership in regulated industries plus hands-on building of my own AI products. Strategy and execution from one source, regulatorily sound and actually shipped to production.

Send a request

Free, no obligation, no pitch theatre. An honest assessment in 30 minutes - or a written request if you prefer it asynchronous.

Projects

Three products. Three worlds. One signature.

All three combine product mindset, regulatory understanding and AI-driven automation. No theory pitch, all live in production.

Early Access

Kids-Organizer

The co-parenting app that turns WhatsApp chaos into structure - and defuses tough conversations.

Audience: Separated parents, blended families

  • Custody calendar for parents, kids, grandparents - no more arguing over who, when, where.
  • Sign off permissions (doctor, school, travel) - with PDF receipt, in case anyone asks.
  • AI tone check before you hit send - stops escalation before it starts.
  • Split costs without spreadsheets: type it in, AI does the math, balance always live.
  • Speak a special moment out loud - AI writes it into your family diary. A photo album that fills itself.
Learn more
Live

CompliKI

EU AI Act done in 30 minutes - for German SMBs that don't have their own compliance team.

Audience: SMBs, IT and compliance leads

  • AI risk classification in minutes, not weeks - works through Annex III for every system automatically.
  • Every AI tool you use on one page - from the ChatGPT account to your own GenAI workflow.
  • Audit-ready PDF reports on demand - exactly what the regulator wants to see.
  • Compliance dashboard for the C-suite: high-risk, open, done - all at a glance.
  • SMB-friendly pricing - affordable without an enterprise budget.
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Live in my home

Novalina

My AI roommate with her own personality - listens to voice AND mood, thinks for herself, keeps learning.

Audience: My home in Bavaria

  • Thinks at night by herself and suggests concrete things in the morning: 'You always dim the living room around 10 pm - want me to automate that?' I nod yes, she builds it.
  • Tells by the voice who's speaking and in what mood - cranky voice gets a shorter reply, good mood gets more wit.
  • Researches live on the web: 'Who won the 2025 Nobel Prize?' - she searches, summarises, cites sources. A real-time research assistant.
  • Learns from every correction: I tell her 'that was too snippy', she remembers. On Sundays she reflects out loud on what she got better at this week.
  • I call 'Novalina' and she's there - runs the whole smart home: lights, blinds, heating, music. All in dialogue instead of apps.

Private lab · live in our living room

Contact

Write briefly, fast reply.

First idea, concrete project or just to say hi. Send a message or book a slot directly.

Prefer to talk directly?

Or direct:

info@baltes-ki-solutions.de

Address

82064 Straßlach-Dingharting, Germany

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