FUTURE DIGITAL FINANCE FORUM 525.-26.4.2018 Helsinki
Morning – Future of Banking
8.30 Doors Open
9.15 Opening Words
9.30 Banking in Future, Mobile and Borderless – Or What?
– Big & old versus small & young – what really matters?
– Same but different – How to attract customers?
– Critical success factors – Who will win and why?
Jussi Mekkonen, CEO at Ferratum Bank
9.50 Why are Ostrich Tactics the Wrong Approach for Banks?
– How banks approach regulatory compliance (eg. PSD2) differently and its consequences?
– Architecture for the open and programmable bank of the future
Manfred Bortenschlager, Director, Business Development for Agile Integration and API-based Integration Solutions, Red Hat
10.15 Networking Break
10.45 The Retail Banking Market Unlocked
– Creating outstanding customer experiences in the era of open banking
– Driving transparency through aggregation: offering better services to their customers
– Delivering frictionless customer journeys: opportunities in automation and personalization
Daniel Kjellén, CEO & Founder at Tink
11.10 Getting Disrupted – Suddenly or Gradually
– How will financial services industry look like in the future in terms of competition and profitability?
– Do customers still want local banking services or will the market be dominated by global players?
Petri Nikkilä, Head of Personal Banking at Nordea Finland
11.30 Next Step In Banking: Automated Mortgage Loan
Panel discussion on the future of mortgage loans. How does the future look in terms of standards, technology and regulation?
Tom Miller, CEO at Nordea Mortgage Bank
Heikki Ylipekkala, Director at Suomen Asiakastieto
Sami Vallinkoski, Chief Banking Officer at Mortgage Society of Finland
Jarkko Forsberg, CEO at LVS Brokers
Mikko Nikkanen, Chairman of the Board at Skadi
Moderated by Satu Pulkkinen, Managing Director, Financial Services at Accenture
Afternoon – Trends and Technologies
14.00 Realistic Use Cases for Blockchain in the Financial Sector
– A look at how financial institutions can benefit from blockchain and distributed ledger technology today
– Lessons learned from building blockchain solutions together with financial institutions and government officials
Sami Honkonen, CEO & Founder at Tomorrow Labs
14.25 Baby AI: Finance and Beyond
– The current state of artificial intelligence: People, process & technology
– Concrete applications of AI and machine learning in finance and beyond
Peter Sarlin, Co-Founder at Silo.AI
14.50 Democratizing AI With the Fintech Industry
– Why financial organizations have been limited to innovate on behalf of their customers for many years
– Why cloud is the new normal for all fintech startups
– Enable financial services companies to get started with AI
Fredrik Eriksson, Fintech Lead – Nordics & Baltics at Amazon Web Services
15.10 Networking Break
15.40 Alternative Investing – Opportunities or Traps?
– Is financial innovation good for the society?
– Peer-to-Peer lending vs traditional banking
– Some recent headwinds
Vesa Puttonen, Professor at Aalto University
16.05 TOP5 learnings – How to Find and Utilize Best European Growth Companies
– Lessons learned based on real data from over 100 000 tech companies
Paavo Beckman, CEO & Founder at Startup Catapult
16.30 Building Valuable Bank and Fintech Partnerships
Arunan Tharmarajah, Banking Lead – Europe at TransferWise
Evening – Networking Party
17.00 – 19.00 Networking with industry pioneers
Morning – Future of Insurance
8.30 Doors Open
9.15 Opening Words
9.30 Megatrends Challenging the Industry
– Industry change drivers
– Raising the bar with #insurtech
Mikko Helin, Insurance Industry Leader at Deloitte
9.45 Your Future is InsurTech: Defining the Insurer’s Business Model
There is a lot of collaboration activities underway between insurers and startups, and startups and investors.
However, the majority of current innovation activities still remain very much around delivering near-term operational efficiency benefits. Opportunity for growth has to be transformative though. This session will take you an innovation journey and share with you a strategic framework to get you to achieve your core strategic outcomes.
Sabine VanderLinden, CEO Startupbootcamp InsurTech
10.15 Networking Break
10.45 From Claims to Prevention and Services – How and With Who?
– Taking a new role as a service company preventing risks
– Blurring the industry boundaries to create an effective ecosystem
– The power of B2B data and partnerships to generate more value
– How to implement it all in a digital way?
Pekka Puustinen, CCO at Ilmarinen
11.10 Tomorrow’s Insurance is Smart, Digital and On-Demand?
Panel discussion on the following topics:
– How to meet the new needs of your customer?
– Making insurance fair, transparent and affordable
– Streamlining processes from back-end to front-end?
Erkka Jalonen, CFO at Finnish P&C Insurance
Rune Brunborg, Founder at Tribe Insurance
Petri Vuorinen, CDO at LocalTapiola
Moderated by Mikko Helin, Insurance Industry Leader at Deloitte
11.40 Tribe is a Facebook for insurance
Rune Brunborg, Founder at Tribe Insurance
Afternoon – Data Fueling the Industry
14.00 Building a Modern Day Insurance Company
– How to build an insurance company in 2018 utilizing sharing economy and blockchain?
Hannu Valkonen, CEO & Founder at Sharemyrisk.com
14.20 Doing More With Less – Trends in Automated Claims Handling
Meeri Rebane, Co-Founder at INZMO
14.40 Are Big Data and Privacy Enemies?
– What are the challenges with smart and data-driven services?
– How to be GDPR compliant in the rapidly changing environment?
Iiris Kivikari, Senior Associate at Dittmar & Indrenius
15.00 Networking Break
15.30 Asset Management gets techy – evolution or revolution?
– Asset management megatrends and how they impact on the business
– Development in past 10 years
– Who will survive in the changing environment?
– Technological focus areas
– What will the future bring with it?
Markku Kotisalo, Managing Director at Nordea Investment Management
15.50 Driving Innovation in an Increasingly Regulated Industry
– How digital will change wealth management
– How extensive the change will be
– What mindsets are preventing the change
Antti Törmänen, CEO & Co-Founder at Evervest
16.10 Streamlining compliance through an Asset Management Platform
Hannes Helenius, Chairman at FA Solutions
16.30 Closing Words and Wrap Up
10.20-10.30 Welcome to Finance Tech Arena
Ola Sundell, CEO at HUB13
10.30-10.40 The Growing Fintech Sector in Finland
Nina Rudanko, Executive Director at Fintech Finland Association
12.20-12.40 Open Banking Innovation for Retail Deposits
– Retail deposit market in Europe – 10 trillion euros market with limited innovation in the past
– Win-win-win for banks, savers and economy – how to leverage existing banking retail infrastructure for cross-border retail deposits?
– Future outlook for Nordic deposit market – what to expect during upcoming years?
Matti Lannetta, Director, Nordics and Baltics at Deposit Solutions
12.40-13.00 Don’t Suck. Innovate!
– How to do hands-on actual innovation in your everyday working life?
– When and why a top-down or bottom-up approach is more suitable?
– If you’re not Google, you need to know how to build superior software with fewer resources. We don’t have a silver bullet, but we’ll give you a fighting chance.
Erik Bennerhult, CTO at Näktergal Financial Technology
13.00.-13.10 Automated regulatory compliance: the right way to leverage distributed ledgers
András Vajda, CEO & Co-Founder at iconicchain
13.10-13.30 Cryptocurrency startups – Challenges in the current regulatory framework
Sampo Hyvärinen, COO at Prasos
13.30.-13.45 How to do an excellent ICO in a compliant way
Anu Honkalinna, CFO at Nestholma
13.45.-13.55 Fintech Opportunities in Africa
– A case of fintech applications for Public Transport(Mobiticket) and Government Services(JamboPay) in East Africa
Danson Muchemi, CEO at JamboPay and Nickson Nyakambi, CTO at Mobiticket
15.15.-15.20 Newsflash: Mobile Payments
Juhani Kivikangas, CEO at Digital Forum Finland
15.20-15.35 Redefining Equity Research in the Digital Age
Mikael Rautanen, CEO & Co-Founder at Inderes
10.25-10.40 Pulverizing Consumer Risks the Fair Way – Not Insurance but a Payment Service
Johannes Hirvaskoski, CEO & Founder at Fair Crowdsurance
12.20-12.35 Customer Service Excellence in Insurance
Amandeep Midha, Founder at FinBot Platform
12.35-12.50 Procurement, Supplier & Contract Management in Digital Era
Ilona Ylinampa, Sales Director at Cloudia
13.10-13.30 Power Cloud ECO – digitalize new business in a fraction of time and money
Petteri Vahla, CEO at eKeiretsu
15.05-15.15 Insurance Simplified
Christer Braaf, CEO & Co-Founder at Insurance Simplified
15.15-15.25 Bringing Treasury Management into the 21st Century
Lars Nevalainen, CEO & Founder at ZenTreasury
CEO at Ferratum Bank
Jussi Mekkonen in an experienced banking executive, who previously worked as the Deputy Head of Banking at Nordea. Currently, he is heading Ferratum Bank, a Malta-based neobank. Jussi will share us his experiences on the latest development of mobile-only banks.
CEO at InsurTech Business - Startupbootcamp & Rainmaking, Co-Editor of The InsurTech Book
Sabine is the CEO of Startupbootcamp InsurTech, the leading independent European accelerator for insurance technology startups. She brings extensive operational and growth expertise gleaned from her corporate innovation and acceleration activities working with 100s of financial institutions. Sabine is a co-editor of the first crowdsourced InsurTECH Book, planned for publication by Wiley early 2018.
CEO & Founder at Tink
Daniel Kjellén is co-founder and CEO of Tink, a Swedish fintech company with the goal of helping people understand their finances, empowering them to make smarter decisions and ultimately bringing financial happiness. Founded in 2012, Tink has been trailblazing in the spirit of PSD2 by reverse engineering banks APIs long before the PSD2 regulation. Launched in 2013, the Tink consumer application has gained over 500 000 users in Sweden, making open banking reality. Before founding Tink, Daniel was an investment banker at Carnegie, the Nordics’ leading investment bank. Prior to this, he founded corporate domain name company Prodocon AB (now a part of NetNames Group), and served as the company’s CEO for seven years.
Director at Red Hat
For the last 15 years, Manfred’s work, research, publications, and teaching have revolved around API-based integration solutions. He is a regular speaker at API conferences and published several thought leadership pieces in the API space like the “API Owner’s Manual”. He knows the whole stack of his trade, starting as a software developer, researcher, developer evangelist, and product marketer. Currently, Manfred is Business Development Director for Agile Integration and API-based Integration Solutions at the open-source company Red Hat. Manfred holds a PhD in Mobile Computing and completed an Executive MBA.
Head of Personal Banking at Nordea Finland
20+ years of global experience from financial services and consumer goods. Before Nordea has worked globally with HSBC, Unilever and Mars. With Nordea has been in multiple group level roles responsible for strategy, digital sales and business development.
Managing Director, Nordic Banking Practice at Accenture
Satu is Nordic Banking Practice Lead at Accenture, a leading global professional services company providing a broad range of services and solutions in strategy, consulting, digital, technology and operations. Satu’s background is in strategy consulting, and she brings in her extensive experience in management consulting within Financial Services industry. Satu’s passion is driving digital disruption within Banking, and she believes in the power of Open Banking in breaking down the walls of traditional banking business models.
CEO at Nordea Mortgage Bank Finland
Tom Miller is an experienced banking executive with almost 20 years Nordea experience from various positions such as Head of Nordic Development. He built the Nordea Mortage Bank and is actibely focusing on significant CX improvement and profitability using agile methods.
Chief Banking Officer at Mortgage Society of Finland
Member of the Executive Team at Suomen Asiakastieto
Heikki Ylipekkala is the Director of Real Estate and Collateral Information services. He is also working on the development of digitalized data services made possible by the digitalization of ownership data. New technology like the development of DLT/Blockchain gives a lot of opportunities to further improve and develop new services for the industry.
CEO at LVS Brokers
Jarkko Forsberg is the CEO of LVS Brokers, a fintech company with an AI-based brokering technology platform and brokering services in the financial industry in Finland and four other European markets this year with volumes exceeding €1 billion in 2018. Jarkko has over 10 years experience in digital business and marketing from finance and media industries.
Chairman of the Board at Skadi
Mikko Nikkanen is the Chairman of the Board of Skadi, a Finnish analytics company, who automates mortgage and loan processing. He is also a real estate investor and has an industry background in managing master data and process development. Skadi’s goal is to change the mortgage market to an instant, automated business.
CEO & Founder at Tomorrow Labs
Sami Honkonen is the CEO of Tomorrow Labs. Tomorrow Labs builds digital products using blockchain and artificial intelligence. One of their biggest products is a private distributed ledger for the residential real estate market. They’ve built it together with banks and government officials. Sami started speaking at conferences in 2010. Since then he has presented hundreds of times all over the world.
Co-Founder at Silo.AI
Peter Sarlin is the Executive Chairman and Chief Scientist of Silo.AI, leading the company’s AI platform initiative. Sarlin is also Professor of Practice at Hanken School of Economics in machine learning and artificial intelligence, with a special focus on applications in financial, economic, and societal disciplines. Sarlin is a research associate with London School of Economics, Halle Institute for Economic Research and University of Cape Town, and has previously worked for the ECB and IMF among others.
Fintech Lead - Nordics & Baltics at Amazon Web Services
Fredrik is heading the services for fintech companies in the Nordics and Baltics for Amazon Web Services. His main job is to help fintech companies on their cloud journey while being secure and compliant.
Professor at Aalto University
Vesa Puttonen is one of the most well known financial industry experts in Finland. He holds several board member positions in the industry and has written various best-selling books, the latest known as “Investment Traps Exposed: Navigating Investor Mistakes and Behavioral Biases”.
CEO & Founder at Startup Catapult
Paavo Beckman is an internationally known corporation-startup collaboration expert. His company Catapult go through more than 100.000+ startups & growth companies every year by utilizing AI and a huge amount of data. Some of their customers are one of the largest banks in Europe.
Banking Lead - Europe at TransferWise
Arunan (Arun) Tharmarajah has previous banking experience from Barclays in London. Currently, he is in the banking lead of fintech unicorn TransferWise in the UK and Europe building partnerships with banks and brokers.
CCO at Ilmarinen
Pekka Puustinen is the first PhD of insurance in Finland. He has been working with the digital transformation of Ilmarinen since 2015. He is also known as an author and visiting lecturer in University of St. Gallen, Switzerland.
Partner, Insurance Industry Leader at Deloitte
Mikko Helin is Insurance Industry Leader and partner in Consulting, FSI at Deloitte FInland. Mikko has 20 years of experience in consulting and executing digital solutions and a strong background in business development within the fields of insurance and wealth management. At Deloitte, Mikko is focusing on the digitalization of insurance industry clients and he is specialized in transformation projects.
CFO at Finnish P&C Insurance
Erkka Jalonen is the Chief Financial Officer and Chief Actuary of Finnish P&C Insurance (FPCI) – a new fast growing insurance company focusing on digital marketing and white label distribution of private line products. Currently FPCI serves two banking sector brands in Finland – POP Bank Group and the Finnish Savings Banks Group.
Founder at Tribe
Rune Brunborg is a co-founder of Tribe – the Tinder for Insurance customers. Tribe makes simple and fair insurance solutions for responsible people and their friends, utilizing their social network. Before joining Tribe he headed Penger.no – the largest online financial aggregator in Norway, Rune has also been head of strategy at Skandiabanken, director at advisory firm PwC and research scholar at NHH.
CDO at LocalTapiola
CEO & Founder at Sharemyrisk.com
Hannu Valkonen is a serial entrepreneur, known behind the “Uber of driving schools” ratti.fi. Now he is going collapse the prices of insurance, by building a modern age insurance company utilizing P2P-business model, blockchain technology and being non-regulated.
Co-Founder at INZMO
Meeri Rebane is the co-founder of an Estonian insurance start-up INZMO, which was also awarded as the Best Fintec Startup in Europe in 2016 by European Commission. The aim of the insurtech is to provide the most advanced insurance platform which enables virtually any insurer to become a digital player. Meeri is also a certified life coach focussed on strategic intervention in businesses and relationships.
Senior Associate at Dittmar & Indrenius
Iiris Kivikari is a Senior Associate in focused on data protection. In addition to data protection law, Iiris specializes in technology, communication and marketing law related matters. Iiris is a member of the International Association of Privacy Professionals (IAPP), the Finnish IT Law Association, the Association of Finnish Lawyers as well as the Finnish Association of Young Lawyers.
Managing Director at Nordea Investment Management
Markku Kotisalo has been part of the international financial industry 20+ years in a consultancy, sales, operations/technology roles with various managerial positions. Wide understanding about asset and wealth management together with insurance business. Always one foot within asset management and other foot close to technology constantly chasing the ways to improve.
CEO & Co-Founder at Evervest
Chairman of the Board at FA Solutions
Hannes Helenius is a business and product development executive with nearly 20 years of international experience in driving new initiatives and making an impact in the financial industry. He has a proven track record in managing all aspects of wealth management business and leading large-scale business development efforts in private banking. Currently, he is leading strong growth as a Chairman and Partner in an international FinTech company FA Solutions.
Co-Founder at Nestholma
Executive Director at Fintech Finland Association
Nina Rudanko has 20+ years of experience in Financial markets. Her previous positions include Head of Sales of Equity markets as well as Business Controller of Nasdaq Commodities, where she has been a member of management team, responsible for financial planning and active player in forming a global strategy.
Most notably during last years she has been active in boosting FinTech industry in Finland and is a founding member of Fintech Finland Association.
Director, Nordics and Baltics at Deposit Solutions
Matti Lannetta is Director of Nordic & Baltic countries at Deposit Solutions. Deposit Solutions is a provider of the Open Banking platform for deposits connecting banks and depositors across Europe. Prior joining Fintech industry, Matti Lannetta has worked at Nordea where he has held several leadership and expert positions in Corporate & Investment Banking and Markets units. Most recently he was Chief Financial Officer of Corporate & Investment Banking division. Matti has also worked as a management consultant at Accenture for several years.
CTO at Näktergal Financial Technology
Erik Bennerhult is a popular international speaker on the topics of responsibility, privacy and innovation. He has been everything from system developer to CTO in European banks and fintechs. Today, he’s CTO at Näktergal, building next-generation banking systems.
CEO & Co-Founder at iconicchain
Andras is the CEO and Co-Founder of iconicchain, recently selected as Finland’s most innovative FinTech startup – on a mission to automate regulatory compliance monitoring, auditing and reporting. With a strong technology background, Andras led several internal startups in Ericsson, most recently in the domain of security automation leveraging blockchain. Andras’ passion is driving digitalization and automation across all aspects of the operations of large and regulated companies, including financial institutions.
COO at Prasos
Sampo Hyvärinen is Prasos Ltd.’s fresh Chief Operational Officer, who has taken a time-out from his information systems and finance studies to push the record breaking cryptocurrency broker start-up to the next level. Sampo has been working in the industry for a year now and has good understanding of the cryptocurrency- and cyberspace in general. He has been lecturing about Bitcoin, cryptocurrency and blockchain technology in several events and has clear views on how the industry might unfold in the future.
CFO at Nestholma
CEO & Co-Founder at Inderes
Mikael Rautanen is an entrepreneur who at the age of 23 co-founded Inderes Oy. The company has quickly grown to become the biggest equity research team in Finland by redefining the research industry with new platform business models and technology. Rautanen is also an analyst covering technology sector stocks and he has been awarded among the TOP Nordic stock pickers in 2014, 2015 and 2017.
Co-Founder at Nestholma
Founder at Finbot Platform
Amandeep Midha is Founder & CTO of FinBot Platform – a Fintech Chatbot Delivery startup for Insurance and Banks while earlier he worked as CTO for ERNIT – an innovative Fintech IoT Startup which took him to Techstars Accelerator New York in 2016. He comes from variety of experience in building Banking & CRM Integrations and more so building Telecommunication platforms. FinBot Platform went thru Copenhagen Fintech Pre-accelerator and currently is in pilot stage with select Nordic insurers in vehicle accident claim workflow automation as B2B white label solution in niche space of effortless non-fraudulent claims filing and automation using chat platform.