In his column for the Daily Mirror, Matthaus wrote: "This is a beautiful game. It is a semi-final, full of so many brilliant battles.
"The world champions versus the hosts.
"France are sure to think Germany will be easier to hurt if they have four at the back.
"I'm assuming Germany will play Benedikt Howedes, a natural centre-back, with Jerome Boateng— especially as France striker Antoine Griezmann is able to run off the back of Bastian Schweinsteiger and link with Olivier Giroud.
"Giroud loves playing against Germany and he makes Griezmann more dangerous. When Griezmann starts wide he can get into the box.
"But if he is closer to Giroud, he comes alive in the penalty area."
Matthaus added: "It will be decided by how the coaches react to the other team.
"Didier Deschamps knows about the power and speed of Germany.
"France have shown their goal threat but their defence is a problem.
"They need to get the balance between attack and defence right and they haven't done that so far."