1.11.2018 Helsinki
Wednesday – Evening

16.00 Doors Open

17.00 AI for People – How Artificial Intelligence Can Drive Positive Change in Finance
Opening speech and hosting by Tero Ojanperä, Silo.AI.

17.20 Defeating Fraud with Intelligent Adaptive Authentication and Risk Analytics
Giovanni Carnovale, OneSpan

17.40 Demo: Developer Portal for Open Banking
Niklas Apellund and Petri Kukkonen, Enfuce Financial Services

17.55 Break

18.10 Banking Through the Clouds
Kai Erlund
, Dittmar & Indrenius

18.25 Bankify & Open Banking: Blinky.app – Millennials Sharing & Saving More
Antti Tarakkamäki, Bankify

18.35 Reinventing salary payments with open APIs – case Nordea and Holvi
Jukka Kiiskinen, Salaxy / Palkkaus.fi

18.45 Finnish Fintech of the Year Award

19.00 Networking and drinks

Thursday – Morning

8.30 Registration and Breakfast

9.15 Welcome to Future Digital Finance Forum

9.25 Opening Keynote: Delivering the Future Bank
Casper von Koskull, CEO of Nordea

10.00 Building an Ecosystem – Modern Day Alchemy?
All around the globe, managers are chasing this new way of turning lead into gold. Why so? What makes ecosystems so desirable? This speech discusses the differences between ecosystemic and network approaches and what makes an ecosystem hard to build? And, is it even possible to build?
Professor Marko Seppänen, Tampere University of Technology

10.20 Ecosystems, Platforms and Value Chains -panel
– Niche or all inclusive service portfolio?
– Together or alone?
– Data economy in the future of financial services
Monika Liikamaa, Co-Founder at Enfuce Financial Services
Leonard Coen, Team Lead Financial Institutions & Fintech at Wirecard
Jyrki Suokas, Senior Lead at Sitra
Jani Tyyni, Vice President at Klarna
Ilkka Lähteenmäki, Adjunct Professor, Aalto University, Hanken, Oulu University

11.00 Networking Break

11.30 Estonian Universal Bank Goes Nuts to the UK After Fintechs
The story about LHV which was founded as a brokerage company, but evolved into a fully licensed bank in 2009, right in the midst of the financial crisis. Now, almost 10 years in the midst of the Brexit, this bank has made another opportunistic step and opened a branch in the UK with the intention of getting closer to fintech customers. London is the European hub for startups and fintechs in particular. LHV already serves substantial amounts of fintech unicorns and intends to help growing new ones. How do connect Estonian based universal banking strategy with London based fintech servicing strategy?
Madis Toomsalu, CEO of LHV Group

12.00 Taking Technology to the Core of the Bank
– Megatrends driving technology focus in banking
– Finance industry is becoming a technology industry
– Open platforms are reshaping the business value creation
– Today’s mobiles first shifting towards tomorrow’s AI first
Juho Malmberg, Head of Service Development and Technologies, Member of the Executive Board at OP Financial Group

12.30 Lunch

13.45 Overview of Nordic Fintech
Susanne Hannestad, Fintech Mundi
Janne Salminen, Helsinki Fintech Farm


14.05 Digital Transformation of Nordic Wholesale Banking to Improve Customer Journeys
– Introduction to wholesale banking
– A recap on the digital transformation in wholesale customer service delivery so far
– Future wholesale banking: Outlook and expected trends:
– The digital innovations (platforms, interfaces, ecosystems) to build improved customer experiences in the future
– Examples of strategic responses: Improving customer journeys by for instance discovering the power of data and analytics and optimized operating model
– Partnerships and ecosystems in a Danske Bank perspective
Jakob Groot, Head of C&I, Member of the Executive Board at Danske Bank

14.30 The Tables Have Turned
Fintech is disrupting the financial industry and redefining the winning recipe. Bank Norwegian was born into a world that is free of legacy systems, heavy organizations or branches. Tine shares her perspectives on how consumer behavior and changing regulatory landscape will shape the industry.
Tine Wollebekk, CEO of Bank Norwegian

15.00 Networking Break

15.30 How Disruptive Technologies are Changing the Face of the FS Industry and the Communities That Work Within it
Kent will share a perspective on the future of financial services and the impact of ‘disruptive’ technology. Specifically, how the use of emerging technologies impacts the workforce and culture of an organization and the steps organizations are taking to embrace this change.
Kent Mackenzie, Partner, Global Head of Fintech & RegTech, Risk Advisory at Deloitte

16.00 Closing Keynote: Revolution in Digital Banking
– How is fintech changing the financial services industry
– Can neobanks really challenge traditional bank branches in every segment?
– How will the future look like?
Andrius Biceika, Head of Business Development at Revolut

16.30 Wrap-up, Networking and Drinks

Casper von Koskull

Casper von Koskull

CEO of Nordea

Casper von Koskull has been working for Nordea, the biggest bank in the Nordics since 2010. He has been the CEO of the company since 2015, and he is currently leading the company through a significant transformation process, which is both technological and cultural. Casper in Finnish, but he has international experience from, but he has international experience from Goldman Sachs, Citibank and UBS from London, New York, Stockholm and Frankfurt.
Tine Wollebekk

Tine Wollebekk

CEO of Bank Norwegian

Tine Wollebekk started in 2017 as the CEO of Bank Norwegian, a Norwegian internet bank founded in 2007, which serves millions of customers in the Nordics. Tine has 31 years of financial services experience. Prior to joining Bank Norwegian, she worked as Senior Vice President and Global Head of Financial Services at Telenor, country manager at SEB Norway, CEO of SEB Cards Norway and CMO and other management positions at Diners Club Nordic and SEB Cards.


Madis Toomsalu

Madis Toomsalu

CEO of LHV Group

Madis Toomsalu is heading LHV Group, the largest domestic financial group in Estonia founded in 1999. Recently LHV established a branch in London to position itself even more as a new generation bank and as a link between traditional banking and new generation fintech services. The bank already works with UK-headquartered online money transfer service TransferWise, whose co-founders are Estonian, and the cryptocurrency exchange Coinbase.
Juho Malmberg

Juho Malmberg

Member of the Executive Board, Head of Service Development and Technologies at OP Financial Group

Juho Malmberg is a tech leader in the executive board of OP Financial Group. He started at OP in 2015 as the CIO, and in 2018 he started heading their service development and technologies. Before OP he worked as CEO of Zen Robotics, Executive Vice President at KONE and as a Partner at Accenture. He has held several board positions in companies such as F-Secure and QPR Software.
Jakob Groot

Jakob Groot

Member of the Executive Board, Head of C&I at Danske Bank

Jakob Groot is Member of the Executive Board and Head of Corporates & Institutions from May 2018. He joined Danske Bank in 2015 as Global Head of FICC, to help reposition the Bank’s FICC franchise into a new regulatory world, and ensure a customer-driven strategy servicing all of Danske Bank’s Global and Nordic Corporate and Institutional investor clients. Prior to joining Danske Bank, Jakob has been working for UniCredit, RBS and ABN AMRO globally, in cities such as Tokyo and London.


Andrius Biceika

Andrius Biceika

Head of Business Development at Revolut

Andrius is a FinTech and business development specialist and Head of Business Development at Revolut, one of the fastest growing start-ups in the world, and UK’s first digital bank unicorn. Andrius’ professional profile consists partly of a highly successful corporate world at Euromonitor International in Vilnius and London, with the other half of coming from his experience in various technical start-ups. Andrius is responsible for global growth at Revolut and his team of business developers all over the world. Grown from 0 to 2.5 mln. customers in less than 3 years and acquiring $336M of investments, Revolut has major plans to change financial sector globally.
Marko Seppänen

Marko Seppänen

Professor, PhD, Vice Dean at Tampere University of Technology

Marko Seppänen, PhD, Vice Dean for Education@Faculty of Business and Built Environment, is Full Professor in the field of industrial management in Tampere University of Technology, Finland. Prof. Seppänen is an expert in managing value creation in business ecosystems, business concept development and innovation management. In his latest research, he has examined e.g. platform-based competition in business ecosystems, and innovation management in business networks. His research has appeared in high-quality peer-reviewed journals.
Kent Mackenzie

Kent Mackenzie

Partner, Global Head of Fintech & RegTech, Risk Advisory at Deloitte

Kent Mackenzie is Deloitte’s Global Fintech Leader across the Risk Advisory Practice. Kent has spent 15 years working in data, technology, and risk management across a number of global banks. He joined Deloitte 4 years ago and leads on a number of transformational project for clients in the fintech domain. He is also responsible for the work across cities, countries, and regions around the world to build and accelerate the growth of technology ecosystems.
Monika Liikamaa

Monika Liikamaa

Co-Founder and Chairman of the Board at Enfuce Financial Services

Monika Liikamaa is a co-founder and Chairman of the Board at Enfuce Financial Services, the world’s first level 1 PCI DSS compliant cloud-based service provider approved by the Finnish FSA. Monika’s visionary thinking and experience of the fast-paced payment industry has enabled Enfuce to integrate solutions for their customers in time. Building sustainable payment solutions is a core value for the company, and with Monika’s wide knowledge base, nothing is impossible. Being future focused and collaborating with other industry experts is in Monika’s mind the recipe for success. Enfuce is now one of the fastest growing Fintech companies in Finland and Northern Europe.
Leonard Coen

Leonard Coen

Team Lead Financial Institutions & Fintech Europe & U.S. at Wirecard

Jyrki Suokas

Jyrki Suokas

Senior Lead at Sitra

Jyrki Suokas is the link between the IHAN® – Human-driven data economy focus area and Finnish and international financial sector operators. He liaises with banks and insurances companies to instil a better understanding within the sector of how they would benefit from providing more open access to the vast amount of data that financial institutions have gathered on their customers. Jyrki has a quarter of a century’s experience in technology applications in banking with main focus on the role of analytics and digital solutions in the building of new operating models.
Jani Tyyni

Jani Tyyni

Vice President at Klarna

Jani has almost 20 years of experience in the technology industry. As a vice president at Klarna, he is responsible for the operations in Finland. He joined Klarna from the CEO’s position of Nebula. Previously was the COO of the company. After securing the banking license, the Swedish fintech unicorn Klarna became the biggest bank in Europe with its 60 million customers.
Ilkka Lähteenmäki

Ilkka Lähteenmäki

Adjunct Professor, Ph.D. (Econ.), Researcher of Financial Services & FinTech

Ilkka Lähteenmäki has extensive experience from both the finance and technology industry. He has experience from Tieto and Danske Bank where he was heading strategy and business development. He has a Ph.D. in economics about banking development and partnerships. Ilkka has also been involved with several startup companies. He is currently doing fintech research in Aalto University, in a joint program with several other academic institutions.
Tero Ojanperä

Tero Ojanperä

CEO & Co-Founder at Silo.AI

Tero is CEO and co-founder of Silo AI. Previously, he served as Nokia’s CTO, Chief Strategy Officer and Head of Research. He was also responsible for Nokia’s global IPR licensing. Tero was a Member of the Group Executive Board of Nokia for seven years. He served as a Member of the Board of Directors of the NAVTEQ Corporation and has also served in the Board of Directors of the MusiCares Foundation, Los Angeles, CA. Tero is Chairman of the Board and Co-Founder of Vision+ Venture Capital Fund and Chairman of the Board for Tampere University of Technology, Finland.
Giovanni Carnovale

Giovanni Carnovale

Regional Sales Manager at OneSpan

As Regional Sales Manager at OneSpan, Giovanni is mainly responsible for accounts in the Banking & Financial sector where he gained a remarkable experience in cybersecurity related to retail and corporate channels. His role is to help the banks adopting innovative technologies that will translate into new advanced security but also new business processes and new ways to interact with end-users. His background is security oriented with a deep understanding of infrastructure, cloud technologies, internal and perimeter security, identity protection, two-factor authentication, e-signature, etc. He has a long international experience in central and east Europe, Mediterranean area and Latam.
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.