FUTURE DIGITAL FINANCE FORUM 4

31.10.-1.11.2017 Helsinki

Morning – Digital Transformation


8.30 Doors Open
– Registration begins
– Breakfast is being served

9.15 Welcoming Words
– By HUB13 and partners

9.30 Opening Keynote: We Need Banking, but Do We Need Banks?
– What is the future of financial services and what the digital consumer looks like?
Jim Marous, Publisher | Fintech Strategist | Keynote Speaker

10.10 From Financial Services to Digital Services
– How OP is blurring the industry boundaries
Anders Stenbäck, Digital Director at OP

10.40 Networking Break

11.10 S-Bank – Digital and Disruptive
– Culture and strategy, keys to success
– API’s and PSD2, threat or opportunity
– Banking embedded in other lines of business
Pekka Ylihurula, CEO at S-Bank

11.40 Financial services from East to West
– Presentation about Alipay as a mobile payment with over 500 million users
– Introduction of Ant Financial Services Group and Alibaba ecosystem
– Why ecosystem concept & culture is important
– ePassi & Alipay, Eficode & Alibaba Cloud, why do we cooperate and what does this mean for Nordics
Alexander Yin, CFO at TCG

Noon – Lunch, Pitches and Workshop


12.10 – 13.10 LUNCH

13.10 – 13.40 FINTECH COMPANY PITCHES
Meet the most interesting new companies and products in person
Neocard – loyalty customer solutions
APInf –  a comprehensive, yet easy to use API management tool
Flowenum – B2B offering to build connected smart insurance services
KleverApp – Receive and pay your bills on time – every time

12.50 – 13.40 WORKSHOP: Key insights regarding PSD2 and GDPR – What should you know and do before spring 2018?
According to PSD2, banks must soon provide access to their customer data to third party service providers. GDPR regulates how that valuable customer data may be collected, processed and transferred.
What should you take into consideration before these two legislative changes come into effect? If you are a PSP, you might know a lot already, but there is always more to learn. For example, GDPR does not mean only compliance requirements and difficulties, but also possibilities – if you know the rules and risks.
Hanna-Mari Manninen and Kai Erlund, DITTMAR & INDRENIUS

Afternoon – Ecosystems and Platforms


13.40 Platform Mindset: Hyperconnectivity and new value chains in financial services
– Financial services are transforming along four themes – customer experience, partnerships, regulation and internal modernisation at accelerated pace that can be a threat or an opportunity – or both.
– Looking what’s happening worldwide like Open Banking and similarities in other industries we see patterns of success and a direction where successful players are heading. This is a call to action to apply platform mindset.
Ada Westerinen, Architect at MuleSoft

14.05 Commercializing API-Banking
– A strategy how to prepare for PDS2
– How does Open Banking work as a business model?
Marc Baxter, UK Lead, Open Banking/PSD2 Commercialisation at HSBC

14.30 Networking Break

15.00 World’s largest Open Banking platform helping in funding and democratizes access to deposits
– Deposit Solutions, the fastest growing Fintech in the World, allows banks to offer third-party deposit products to their own clients with their existing accounts. As a result, banks’ clients can access best in class deposit offers across Europe without having to open a new account at another bank
– For banks, this is fundamentally changing the way of cooperation between banks, decreasing funding costs and risks by offering an alternative channel for retail funding through institutional simplicity, and therefore complementing wholesale and retail funding and ultimately improve the stability of the financial system in the Eurozone.
Ilkka Ruotsila, Region Director for Nordic and Baltic Countries at Deposit Solutions GmbH

15.25 E-Residency – A service and solution for the Fintech Industry
– Digital Identity is one of the keys to solving financial inclusion
Varun Sharma, Head of Partnerships, e-Residency at Republic of Estonia

15.50 Building the next generation of banking
– Holvi case
– Working with BBVA
– Building truly borderless banking (case e-Residency)
– PSD2 and its applications for the industry
Tuomas Toivonen, Co-Founder at Holvi

16.15 Panel Discussion: Banks and Fintechs – How to do it right?
– Why should banks and fintechs partner
– When/ what kind of situations should banks partner and when should they to do their own
– What kind of business models, how to create a win-win partnership
– What kind of products or services can we expect to come out of the partnership
Tuomas Toivonen, Co-Founder at Holvi
Ilkka Ruotsila, Region Director for Nordic and Baltic Countries at Deposit Solutions GmbH
Jussi Muurikainen, VP, Digital Service Offering at Nordea
Moderator: Elina Mattila, Mobey Forum

Evening – Networking Party


17.00 – 18.00 Hack the Money final pitches
17.00 – 19.00 Networking with industry pioneers

Morning – AI & Robotics


8.30 Doors Open
– Breakfast is being served

9.15 Day Two Kickoff

9.30 Why Do We Need a Robotics Strategy?
– RPA, AI and Machine Learning – What is all this hype about?
– Where and when will the technology be applied?
Cristina Andersson, Robotmaster

9.55 Meet the Author of “FinTech Innovation” and Discuss Dollar and Sense of Knowledge Digitization
– How to strategically prepare for the future?
– Practical implications of AI and FinTech digitization to manage institutional risks and personal wealth
Paolo Sironi, FinTech Thought Leader / Author – IBM Watson Financial Services

10.35 Networking Break

11.05 Robotics and AI – Lessons from the trenches
– Robo-economics – Getting your ROI right
– Robo-security and liability – More complicated than you thought
– Are the robots a success – what are your metrics
– Optimising your robo and AI operations
Debjani Roy, Head of Technology Robotics and Artificial Intelligence – TTS at Citi

11.35 How Will Fintech Change Personal Investing
– Social, personal or automated?
– Investing made easy through online platforms
Evelin Kaup, Head of Product at Nordnet Bank

12.00 Hack the Money Winner Announcing
Together with Visa

Noon – Lunch, Pitches and Workshop


12.10 – 13.10 LUNCH

13.10 – 13.40 FINTECH COMPANY PITCHES
Meet the most interesting new companies and products in person
Heeros – cloud-based financial management software
EveryPay – one of Europe’s fastest growing payment gateways
LVS Brokers – AI revolutionizing customer acquisition
CapOne Research – Smart Financial Solution

12.50 – 13.40 WORKSHOP: Blockchain and Distributed Ledger Technologies (DLT) 101
– What are blockchains and how they are built
– Other types of DLTs but blockchains
– Different kinds of blockchains, including their main features
– What possibilities do DLTs bring to us
Pekka Nikander, Luottamuksen löyly osk.

Afternoon – Customer Centricity


13.40 Customer is Finally God in Financial Services
– Bank with a great customer experience – Does it really exist?
– Third-party apps as a strategy
Jussi Muurikainen, VP, Digital Service Offering at Nordea

14.05 Payment Services Becomes Integrated and Invisible
– Because mobile payments belongs to 2016
Jerry Norton, Global Leader, Payments at CGI

14.30 Networking Break

15.00 Enabling People To Concentrate On Meaningful Conversations
The work environment is in constant change. Everyday people should be asking themselves “Is this my work or do I just think this what I should do?”. Technology helps people to focus on meaningful tasks.
Teemu Kinos, Founder at Get Jenny

15.25 Chatbots Changing the Payment Landscape
Kristian Luoma, Head of OP Lab

16.00 Closing Words

Jim Marous

Jim Marous

Fintech Publisher & Strategist & Keynote Speaker

Named as one of the most influential people in banking and a top 5 Fintech influencer to follow, Jim Marous is an internationally recognized financial industry strategist, co-publisher of The Financial Brand and the owner and publisher of the Digital Banking Report. Marous advises on innovation, portfolio growth, customer experience, marketing strategies, channel distribution, payments and digital transformation within the financial services industry. Jim has also advised the White House on banking policy and is a regular contributor and guest host for the Breaking Banks radio show on Voice America.

Anders Stenbäck

Anders Stenbäck

Digital Director, SVP at OP Financial Group

Anders has a long experience in digital services from companies such as If and Sanoma. Recently he started at OP where he is heading their digital business concepts in banking, insurance and wealth management. Anders is also an experienced board member professional.

Pekka Ylihurula

Pekka Ylihurula

CEO at S-Bank

Pekka is a forward-looking leader and the CEO of S-Bank. Pekka has been heading S-Bank since it was ounded in 2006. Pekka has an MBA degree and the has a strong background in banking from executive positions from Sampo Bank and Post Bank.

Alexander Yin

Alexander Yin

CFO at TCG

Alexander is passionate about business and technology, and he holds a PhD degree in microelectronics and computer engineering. Alexande works as a CFO for Tech Consulting Group TCG Oy which include currently include Eficode Group, ePassi Group and Gray Wolf Ventures. They have recently established several partnerships with Alibaba and Alipay, and they have brought Alipay to Finland as a payment method.

Ada Westerinen

Ada Westerinen

Architect at MuleSoft

Ada is an architect at MuleSoft in London advising global partners and customers building API-powered platforms to leverage new technologies and business models. Working across industries her main focus has been on transforming financial services and building Open Banking solutions. She has 25 years of experience in development, architecture, product management and leading startups around Europe and in California.
Marc Baxter

Marc Baxter

UK Lead, Open Banking/PSD2 Commercialisation at HSBC

Marc is the U.K. lead for commercialising Open Banking/PSD 2 within HSBC’s Retail Bank. He has been responsible for developing their Open Banking commercial strategy and now heads a delivery team to realise these opportunities. Marc has more than 12 years experience in Retail Banking and Payments focusing on leading commercial teams and delivering strategic change. He has worked in the U.K. and internationally at two leading FTSE 100 companies and holds an MBA from London Business School.

Ilkka Ruotsila

Ilkka Ruotsila

Head of Nordic and Baltic Region at Deposit Solutions GmbH

Ilkka Ruotsila is a fintech investor and the Head of Nordics and Baltics in Deposit Solutions, which is the world’s fastest growing fintech company. Previously he was the Nordic Head of Banking and Financial Services at Accenture Strategy. Prior to that, he spent 12 years in different leadership positions in Nordea Markets and Nordea Asset Management as well as in McKinsey & Company. Ilkka has over 14 years of experience in strategy consulting for large Global and Nordic organizations. Ilkka’s main expertise areas include Wealth Management, Corporate Banking, Retail Banking and Payments, as well as Lean methodologies across industries.

Varun Sharma

Varun Sharma

Head of Partnerships, e-Residency at Republic of Estonia

Mr. Varun Sharma presently serves as the head of partnerships for the Republic of Estonia’s e-Residency programme that aims to help entrepreneurs around the world start and run a global business remotely from anywhere.  Mr. Sharma previously worked at the Estonian Embassy in the Indian subcontinent to establish trade, investment, and business diplomacy relations between Estonia and the region. Prior to this, he worked across sectors in diverse environments around Europe, the Middle East and Asia for leading organizations and studied multiple disciplines at top universities in Western Switzerland.

Tuomas Toivonen

Tuomas Toivonen

Co-Founder at Holvi

Tuomas is an experienced entrepreneur and technology innovator. After consulting governments and teleoperators for more than 15 years about payment related IT-infrastructure, he decided to create a significantly better and innovative solution, which is how Holvi was born.

Cristina Andersson

Cristina Andersson

Robotmaster

Cristina Andersson is an author, entrepreneur and robot activist. She started to study robotics 2011 while writing BohoBusiness (Talentum 2012/2016) together with docent Jari Kaivo-oja. Cristina has organized EU Robot Week in Finland three times. She has been an advisor in EU Parliament and Finnish Ministries regarding robotics. She is also a professional lecturer and speaker. She is one of the authors of “Robotit töihin” (2016).

Paolo Sironi

Paolo Sironi

Fintech Thought Leader & Author - IBM Watson Financial Services

Paolo is FinTech Thought Leader at IBM Watson Financial Services. He is recognised author of quantitative finance and innovation, demonstrating international expertise in investment management, capital markets, risk management and corporate banking. As a pioneer in FinTech digitisation, Paolo founded a FinTech joint-venture (2008) to augment personal finance. He joined IBM (2012) following the acquisition of funding partner Algorithmics, itself a world leader of risk management solutions. Paolo was previously head of market and counterparty risk modeling at Banca Intesa Sanpaolo. Author of bestselling “FinTech Innovation” (Wiley 2016), “Modern Portfolio Management” (RiskBooks, 2015), “Financial Advice Transformation” (PF, 2017), co-author “The FinTech Book” (Wiley, 2016).

Debjani Roy

Debjani Roy

SVP, Robotics and AI at Citigroup

At Citi Debjani currently runs Citi’s ambitious robotics and AI technology program for Treasury and Trade Solutions. Debjani has been with Citi for eight years and had previously acted as global Chief Architect for Citi’s flagship payments platform CitiDirect BE and as a technology product manager for Citi Investor Services. Debjani also acts as a lead for Citi Women in Technology diversity network.

Evelin Kaup

Evelin Kaup

Head of Product at Nordnet

Evelin Kaup is passionated about creating the best consumer products of the future based on the data, insights and beliefs of today. She currently works as Head of Product at Nordnet Bank in Stockholm. She has previous experience from various positions at Klarna and Spotify. Kaup holds a masters degree in finance from Stockholm University.

Jussi Muurikainen

Jussi Muurikainen

VP, Digital Service Offering, Personal Banking at Nordea

Jussi is a multi-talent of the digital era. He has participated in several fintech-startups as a partner, advisor and owner. Now he works at Nordea, where he is heading the digital services offering.

Jerry Norton

Jerry Norton

Global Leader, Payments at CGI

Jerry Norton is global leader for payments for CGI’s financial services business. He also sits on CGI’s Financial Services Industry Growth Council, which oversees the company’s global financial sector business. Jerry is a recognized expert in financial services across banking and insurance with more than 30 years of experience. He specializes in payments across the whole market spectrum—from central market infrastructures to consumer channels. Jerry is a regular speaker at international conferences, presenting on the key financial services themes of the day, contributes to a number of think tanks, and is often quoted in the national and IT press.

Teemu Kinos

Teemu Kinos

Founder at Get Jenny

Teemu Kinos is a two-time entrepreneur and has been part of the startup game for half a decade. He founded Jenny with 3 other people and built a truly international team, with people from Italy, Hungary and Finland combining their forces. Jenny is an open source conversational engine that can handle up to 80% of customer support chats. It integrates directly into existing customer support platforms.

Kristian Luoma

Kristian Luoma

Head of OP Lab

Kristian Luoma works as the head of OP Lab in OP Finance Group, the biggest Finnish bank. Kristian is responsible for the award-winning Pivo Smart Wallet initiative in OP, that aims to be the winning mobile wallet in Finland. Before OP, Kristian has worked in startups and Nokia – in various product management and partnering roles, building products for millions of mobile and internet users.

Workshops

Pekka Nikander

Pekka Nikander

CTO at Luottamuksen löyly osk, Professor of Practice at Aalto University, PhD Computer Science

Dr. Pekka Nikander has over 30 years software development expertise. In 1980 he wrote his first program while still in high school, five years later patching live UNIX kernel to fix bugs. Today Pekka is a multi-talented software generalist, able to work on all layers from hardware-software interface to user interfaces. Pekka has over 100 scientific publications and he has been co-founding tech startups like: Nixu, Senseg, Ell-i, Solu and PulseOne.

Hanna-Mari Manninen

Hanna-Mari Manninen

Partner, Co-Head of Finance & Capital Markets at Dittmar & Indrenius

Hanna-Mari’s main area of expertise within banking and finance is leveraged acquisitions, corporate lending and restructurings. In addition, she advises corporate clients in capital markets transactions. Hanna-Mari is also a member of Corporate Advisory, Compliance & CSR practice. Hanna-Mari has extensive experience in finance transactions also from the Nordic Investment Bank, where she worked on a secondment in 2011. Prior to joining Dittmar & Indrenius, Hanna-Mari worked at another leading Finnish law firm (2006-2010).

Kai Erlund

Kai Erlund

Partner, Head of Technology & Outsourcing at Dittmar & Indrenius

Kai’s main area of expertise is in information technology, media and telecommunications. He advises listed companies, private enterprises and other clients in their procurement of business critical ICT systems and services. He also supports ICT suppliers and customers in their outsourcing arrangements, project agreements and licensing contracts. He has notable experience working in demanding and complex technology-related matters and projects.

Partners