24.-25.4.2019 Helsinki
Wednesday – Evening
Hosted By: Dorthe Dupont, Nordea

16.00 Doors Open

17.00 Program Kick-Off

17.05 Open Banking: PSD2 and beyond
Rune Mai, CEO & Co-Founder at Nordic API Gateway

17.20 Core Digital Capabilities for API Economy
– API Economy enables the building of Platform Ecosystems
– From a traditional company-centric perspective to an ecosystems’ perspective
– Core digital capabilities consist of modern and legacy technologies
Mikko Hakola, Head of Development at Digia

17.40 Reaping the benefits of open banking
Christophe Joyau, VP of Business Development at Tink

17.55 Break

18.15 PSD2’s current status and next steps in Finland
Hanna-Mari Manninen, Partner at Dittmar & Indrenius

18.25 Open Banking revolutionizing consumer finance
Helene S. Westerlund, CTO at Instantor

18.35 Creating new value on Open Banking and PSD2 APIs with utilizing applications
Introduction to Open Banking platform going beyond PSD2 and banking data to enable digitalization of consumer and corporate credit origination and enriching the multi-bank transaction data for machine learning.
Sami Uski, Head of Business Development, Banking

18.45 Compliant services with Open Banking
Mikko Nurminen, Enfuce & Reetta Sinelampi, Suomen Asiakastieto

18.55 Wrap-Up

19.00 Networking and drinks

Thursday – Morning
Hosted By: Anni Salo, LVS Brokers & The WealthTECH Book

8.30 Registration and Breakfast

9.10 Welcome to Future Digital Finance Forum

9.20 Bank X – the New New Banks
How is Banking being transformed by new digital-led challengers and Big Techs? What’s the challenges for incumbent banks on digitalization and new competition? “Bank X – the New New Banks” reveals how Incumbent challengers disrupt legacy banks to reinvent themselves and reimagine banking.
Ronit Ghose, Global Head of Banks Research at Citi

9.50 Technology Leadership and Innovation Meet the World of Banking
– Technology disruption in the banking: data, AI, agility, customers and more
– Case example: a Top 10 European bank
– Enabling the culture of transformation
– Innovation as hard work
AJ Kiefer, VP at Salesforce

10.20 Networking Break

10.50 Panel: National Platforms and Digital Economy
APIs, platforms and collaboration are not just between banks and fintechs. Finland has a solid track record in public-private co-innovation and digital co-creation. What are the most urgent standards and platforms and what are their possibilities?
Liisa Kanniainen, VP, Strategic Partner at Nordea
Markku Heikura, Director General at Finnish Tax Administration
Eero Talonen, Director at Tomorrow Tech
Harri Nummela, EVP, Banking, Private and SME customers at OP Financial Group
Moderated By: Ksenia Avetisova, Tieto

11.30 Partnering Strategies and Innovation Acquisition 101
– How innovation fits in banks’ overall strategy?
– What actually works and what doesn’t?
David Rasson, Center of Expertise Lead Innovation at ING

12.00 Lunch

13.30 Green Finance
Climate change is the biggest issue we have right now. How could fintech help us to reduce our carbon footprint and to invest money in something good for our planet?

DO – Everyday Climate Action
Nathalie Green, CEO at Doconomy & Anne-Maria Salonius, Head of Finland Division at Ålandsbanken

Anti-consumption and impact investing – How to create double impact for the climate?
Maija Leino, CEO & Co-Founder at Useless Company


14.00 Banks Perspective on the Current Market Situation
– What and who are the key challenge(r)s to traditional banks?
– How to handle them?
Mikko Ayub, CEO at Aktia

14.30 Open Banking meets Tiber.eu
– Brief overview of TIBER (Threat Intelligence Based Ethical Red Teaming)
– How Open Banking changes the cyber threat landscape of financial institutions
– How Tiber can be used to improve the cyber resiliency of the Open Banking ecosystem
Jussi Leskinen, Senior Security Consultant at F-Secure

15.00 Networking Break

15.30 Fintech Buys Bank: Is this the future?
– Growth begets opportunity
– De-risking builds trust
– Value chains grow more sophisticated
Wolf-Alexis Puttfarken, Director Bank Partnerships at Raisin

16.00 Chinese Tech coming to Europe
– Overview of Chinese FinTech industries, important players and the differentiates
– What are they doing in Europe and what European players shall be aware of
Alexander Yin, CFO at ePassi

16.30 Wrap-up and Networking Drinks by F-Secure

Mikko Ayub

Mikko Ayub

CEO of Aktia

Mikko Ayub is the CEO of the Finnish bank Aktia since October 2018. Prior to Aktia, Mikko worked for 20 years at Nordea, latest as the Managing Director, Head of Sales and Research Finland, Baltics & Russia at Nordea Markets. Mikko is also a member of the board of directors at Finance Finland.
Liisa Kanniainen

Liisa Kanniainen

VP, Strategic Partner at Nordea

Liisa Kanniainen is a digital banking strategist and experienced public speaker with over 20 years of frontline experience. She has in-depth knowledge on Open Banking, PSD2, API-based business models, e/m-commerce, cash management, service design and innovation. Currently, she drives strategic projects in Nordea’s Digital Banking unit.
Rune Mai

Rune Mai

CEO and Co-Founder at Nordic API Gateway

Rune is a fintech entrepreneur who founded Spiir in 2010. On the foundations of Spiir, they later developed the Nordic API Gateway, an API that connects to any Nordic Bank. Nordic API Gateway recently got a 5,2 M€  DNB and Danske Bank.
Ronit Ghose

Ronit Ghose

Global Head of Banks Research at Citi

Ronit is recognized globally for his commentary on the development of the Financial ecosystem and was also the lead author of Citi’s ‘Digital Disruption Report, the most downloaded Fintech report of all time. He previously worked at the British Bankers’ Association and as a research assistant in Parliament.
Wolf-Alexis Puttfarken

Wolf-Alexis Puttfarken

Director, Bank Partnerships at Raisin

Wolf-Alexis heads partner bank business development at Raisin, the largest pan-European deposit marketplace. He started his career on the trading floor of Dresdner Kleinwort in London in institutional money markets and has since held roles in pensions, fund management, and technology. He also advises the award-winning German TV Series „Bad Banks“.
David Rasson

David Rasson

Center of Expertise Lead Innovation at ING

David Rasson assumed his role this January of Center of Expertise Lead Innovation for both Belgium and the Netherlands. His mission is to turn ING into an innovation-oriented organization on a cross-border level by seeing to it that ING Belgium brings relevant client solutions rapidly and optimally to market. He began his career at ING Belgium in 1995.
Harri Nummela

Harri Nummela

EVP, Banking, Private and SME customers at OP Financial Group

Harri Nummela is heading banking for private and SME customers at OP Finacial Group, the largest domestic bank in Finland. Harri was awarded as the digital director of the year in 2018 in Finland. Harri is also the chairman of the Finnish Ice Hockey Association.
Markku Heikura

Markku Heikura

Director General at Finnish Tax Administration

Markku Heikura has been heading the Finnish Tax Administration since February 2018. Markku hold an MSc in engineering, and has worked in several CIO positions earlier. With a strong background in IT, Markku sees many opportunities in digitalization also for the Tax Administration.
Alexander Yin

Alexander Yin

CFO at ePassi Group, TCG Group and Eficode Group

Alexander is passionate about business and technology, and he holds a PhD degree in microelectronics and computer engineering. Alexander 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.
Helene S. Westerlund

Helene S. Westerlund

CTO at Instantor

Helene’s passion is scaling up companies and has experience in taking companies through the big leap from small to large. Previously, Helene worked at Betsson as Head of the Gaming Platform. During her years there Helene grew the team significantly in three different locations while supporting multiple brands. At Instantor, Helene is leading the scaling of the company, its products and technology to take its customers to the next level within credit risk management.
Anne-Maria Salonius

Anne-Maria Salonius

Head of Finland Division at Ålandsbanken

Anne-Maria is an experienced sailor and captain of her own sailing boat. She has sailed a lot in the Baltic Sea but also sailed over the Pacific Ocean as a crew member in the spring 2016. Anne-Maria´s passion is to save the Baltic Sea and she launched the Baltic Sea Project at the bank in summer 2014 to continue the Bank of Aland´s long-term environmental work. The Baltic Sea Project’s goal is to help create a healthier Baltic Sea both by funding good ideas and by raising public awareness about the state of the Baltic Sea. Anne-Maria has also been the initiator and led the preparations in the bank for a new type of ecological credit card, the Baltic Sea Card. It counts the carbon footprint of your purchases and you can choose to donate to different environmental projects or change your consumption patterns. The concept and the methodology are freely given to any other bank by the Bank of Aland.
AJ Kiefer

AJ Kiefer

VP at Salesforce

AJ Kiefer leads the International Transformation Services team in the Customer Success Group at Salesforce. Transformation Services is a team of strategic consultants, designers, and architects who partner with Salesforce’s top customers to transform their businesses, using their cloud-native DNA and deep innovation expertise to maximize investment on the Salesforce platform. Prior to Salesforce, AJ was the Managing Director of Sequence, a Design & Innovation firm that was acquired by Salesforce in 2017.
Hanna-Mari Manninen

Hanna-Mari Manninen

Partner at Dittmar & Indrenius

Hanna-Mari Manninen is known for being a passionate advocate for good governance and CSR. She also has extensive experience in sustainable financing with in-depth knowledge of payment services regulation including PSD2. Her industry passion lies in Fintech.
Jussi Leskinen

Jussi Leskinen

Senior Security Consultant at F-Secure

Jussi is a senior security consultant at F-Secure where he is working as a part of a red team. He has a long background in law enforcement and in financial sector information security. He has been working as an incident response team leader in a major Finnish financial institution.
Christophe Joyau

Christophe Joyau

VP of Business Development at Tink

Christophe Joyau is Vice President of Business Development at Tink. Founded in 2012, Tink’s technology enables data-driven financial services that delight users. It’s Account Aggregation, Payment Initiation, PFM and Data Enrichment products are offered on a single platform that is available in nine European market. Prior to joining Tink, Christophe was the COO of Widespace. He has several years of experience in developing and selling digital services throughout Europe, mostly within telecom and ad technology.
Mikko Hakola

Mikko Hakola

Head of Development at Digia

Mikko is helping companies to build core digital capabilities in platform economy. Key areas are business consulting and architecture services, operation models, integration, API, cloud and data solutions. Mikko has a wide experience in ICT including management roles in sales, delivery and development as well as consulting engagements. He has worked with large corporations and SMEs in a variety of industries. Currently he is business responsible for integration and API unit focused on leading development and consulting services. Moreover he is in charge of platform economy development program.
Eero Talonen

Eero Talonen

Head of Products at Tomorrow Tech

Eero is building digital products that change industries at Tomorrow Tech. For the past year, he has been working on DIAS, a digital trading platform for the residential real estate market. The platform is being built in cooperation with financial institutions and government officials. Before Tomorrow Tech, Eero was the Director for Digital Services at Qentinel Group.
Sami Uski

Sami Uski

Sami is leading business development for Banking at Tieto with strong experience on channel, payment and credit solutions. Focus has been all the time developing great experience throughout the customer journeys and digitalization of Banking industry to support that. During the years Sami has headed number of multi-party ecosystem programs and service development on Instant Payments, concepts on for Mobile Financial Services, Real Time Economy and Digital Company.
Anni Salo

Anni Salo

Chief Business Development Officer at LVS Brokers

Anni Salo is the CBDO and member of the Board of Directors at LVS Brokers, the 8th fastest growing FinTech in Europe (Financial Times FT1000 listing). With their AI-based brokering technology platform, LVS Brokers has already helped more than 500,000 people make better financial decisions in the digital world. Anni is also an author of The WealthTECH Book published by Wiley in 2018.
Dorthe Dupont

Dorthe Dupont

Head of Nordea Ventures

Dorthe Dupont is a seasoned transformation leader with broad experience from various industries, including banking. She is the Head of Nordea Ventures and as part of that function deputizing for the Chief Digital Officer (CDO). She is responsible for the portfolio management, including supervision of board members.
Maija Leino

Maija Leino

CEO & Co-Founder at Useless Company

Maija is a fintech start-up entrepreneur. Useless Company in on the mission to change how people consume and invest their money.