FUTURE DIGITAL FINANCE FORUM 822.-23.10.2019 Helsinki
Nordic Digital Finance Forum 22.10.2019
Full day of Nordic fintech with fintech entrepreneurs and bankers
9.00 Doors Open
9.30 Day Kick-Off
9.40 Banking Disrupted in the Nordics
– The age of appenomics – banking beyond internet
– The trends in UX
– The future of the financial ecosystems
Piia-Noora Kauppi, Managing Director at the Finance Finland – Federation of Finnish Financial Services
10.00 Nordics Pioneering in Payments Platforms
Lars Sjögren, CEO at P27 – The Nordic Payments Platform
10.30 Networking Break
11.00 How are Low-Interest Rates Affecting Banking
– Causals and consequences
– Problems for banks
– Change of banking behavior
Antti Saari, Head of Research at OP Markets
11.30 How Banks Can Stay Relevant to People and Benefit from Open Banking
Young people are tomorrow’s bank customers. Their shopping behavior and social media presence is a major focus right now, but what happens when they choose to leave these platforms? Can traditional banks create an attractive meeting place that replaces customer clubs and loyalty programs?
Åsa Bengter, VP at Meniga
12.00 Lunch and Networking
Networking Power Hour with Brella
13.30 Nordic Growth Strategy of a Fintech Bank
– The salami-slice strategy
– From slim to full product portfolio
– When tech is the foundation
– But user experience is the key
Morten Sønderskov, COO at Lunar Way
14.00 Partnership Strategy of a Bank, Nordic and Beyond
– DNB’s partnership strategy and investment strategy in startups and fintechs
– Why it is so important to work closely with the best companies but also your competitors
– How we organize our infrastructure to others through our Open Banking initiative
– Partnership models between banks and fintechs—what makes a perfect match
Petter Lee-Johannessen, SVP, Head of Strategic Partnerships at DNB
Kathy Chang, Senior Strategic Partnership Manager at DNB
14.30 Networking Break
15.00 How to Disrupt an Industry?
– How four friends without any industry experience built UKKO.fi, one of the biggest domestic accounting firms and a 100M € financial services group?
– Why disruption always comes from the outside?
– How to build sustainable growth without any financing?
– What to do when everything goes wrong?
Olli Kopakkala, Co-Founder at UKKO.fi
15.30 Digital Ecosystem of Property Finance
– EstateGuru story so far
– Ecosystem and data. Who are the market participants and how could they participate.
– Opportunities for investors of different profile and SMEs in Finland
Marek Pärtel, CEO & Founder at EstateGuru.co
15.50 Today’s Mortgage: Digital from Start to Finish
– New Digital Mortgage Challengers
– Who is enkla.com?
– Fintech Scalability
– Regulation and Innovation
Alexander Widegren, CEO & Founder at enkla.com
16.10 Wrap-Up of the Day
16.30 Revolutionary Fintech of the Year Final Pitches
Mash – Otto Lindberg, Product Manager
Invesdor – Lasse Mäkelä, CEO
Prasos – Heidi Hurskainen, CEO
Bankify – Antti Tarakkamäki, Co-Founder
Tomorrow Tech – Sami Honkonen, CEO
cloudasset – Hasan Malik, CEO
Read more about the finalists
Judges: Isobel Nordström, Citi; Sami Toivoniemi, Deloitte and Jupe Arala, Vendep Capital
17.00 Networking With the Industry Pioneers
Brought to you by Amazon Web Services
17.30 Revolutionary Fintech of the Year Announced
17.45 Networking, drinks and snacks
Core & Cloud Banking Day 23.10.2019
Full day of banking technology with new and traditional players
9.00 Doors Open
9.20 Day Kick-Off
9.30 Nine Big Shifts That Will Determine Your Future Business of Technology
Hans van Grieken, EMEA Technology Research & Insights Leader at Deloitte
10.00 Is a Modern Core Essential to the Digital Transformation of a Bank?
– What is digital transformation in a Bank and why is it needed.
– How are old technology and practices holding Banks back?
– What a modern core bank is able to offer
– How to ensure success in a transformation journey
Joseph Edwin, SVP, Head of Core Banking Transformation at Nordea
10.30 Networking Break
Roundtable: Cloud outsourcing and contracting in banking context
Anna Haapanen and Tuomas Haavikko, Dittmar & Indrenius
11.00 Digital Banking Platform & Adoption of Cloud
– Savings Banks Group’s ongoing journey from legacy systems into servicing its Banks with modern banking-in-a-Box platform
– Taking advantage of Cloud Platform
Markus Niemi-Nikkola, Core Banking Renewal Director at Säästöpankki
Pekka Suomalainen, CIO at Säästöpankki
11.30 Core Banking in the Cloud – Today’s Reality
Sundareswaran Devarajan, Principal Consultant at Temenos
11.50 Lunch and Networking
Roundtable: Cloud-based core banking
LeanDev: Invitation only
13.00 How a Traditional Bank Takes its Strong Focus on Personal Relationships Into the Digital Age?
Nina Arkilahti, CEO at Handelsbanken Finland
13.20 Cloud & Compliance: How to Stay One Step Ahead and Always Meet Regulatory Requirements
Andreas Björk, Organisational Development Manager at Enfuce Financial Services
Paul Ahlgren, Senior Partner Solutions Architect at Amazon Web Services
13.40 OPR’s disruptive move to the Cloud
– Shorter time to market for new products
– Improved Customer & Customer Service Experience
– Easier to operate and keep compliant
Jouni Selin, CEO at OPR Finance
14.00 Networking Break
Roundtable: Kuinka rakentaa kestävä asiakassuhde digitaalisten pankkipalveluiden avulla?
Mona Moilanen, Webscale
14.30 Panel: How a Competitive Bank’s Engine Room Looks Like?
– How to keep up with the development?
– Step by step or all at once?
– Are modern banks technology companies?
Juha Volotinen, CIO at Aktia
Kevin Albrecht, CTO & Co-Founder at P.F.C.
Dipanjan Saha, Associate Vice President at Cognizant
Antti Pennanen, CEO & Co-Founder at Moni
Moderator: Jan Bäckstörm, Partner, FS Digital Services at PwC Finland
15.20 Platform Case
Lasse Mäkelä, CEO & Co-Founder at Invesdor
Managing Director at the Finance Finland - Federation of Finnish Financial Services (FFI)
Piia-Noora Kauppi has been the Managing Director of Finance Finland since 2009. She is an highly regarded expert in financial affairs, with a thorough knowledge of the European financial sector and a broad experience in international banking, insurance and the securities markets. She is a board member at UPM Kymmene plc, Sulava Oy and Finnish Financial Ombudsman Bureau. She was a Member of the European Parliament 1999–2008 and Head of the Finnish Delegation in the EPP-ED Group 2004–2008.
CEO at P27 - The Nordic Payments Platform
Head of Research at OP Markets
Antti has over 10 years of experience from financial markets. He has worked in several research positions regarding macroeconomics, investment strategy and equity research. Last year, Antti was ranked as the highest valued banking & insurance equity analyst by the Finnish institutional investors (Sifo Prospera). Antti is currently leading cross-asset research functions of OP Markets. Prior OP, Antti worked for Swedbank and eQ Bank.
VP at Meniga
Åsa has 15 years of experience in digital product development and change management. She is currently the Vice President of Rewards and Country Manager at Meniga, an Iceland founded company, that is transforming the way banks and advertisers use transaction data.
COO at Lunar Way
Morten is the COO of Lunar Way, the Danish neobank, that secured a banking license in August 2019. He’s been in the company since the beginning, and have spearheaded the license application, open banking projects, and the Nordic rollout. Prior to Lunar Way, he was the Head of Strategy and M&A at 3rd largest Telco and Energy Company in Denmark.
Senior Strategic Partnership Manager at DNB
Kathy Chang is Senior Strategic Partnership Manager at DNB, focusing on collaborations with Fintechs. Previously, Kathy worked with establishing payment and logistics infrastructure in 7 countries for Shopee, the biggest e-commerce platform in South East Asia. Kathy has a Master’s degree from the University of Cambridge.
SVP, Head of Strategic Partnerships at DNB
Petter has spent most of his professional career building strategic partnerships with leading internet companies like Facebook, Google and Tencent, working for corporates like Telenor Group and DNB Bank. He has a Master of Science degree from NTNU. After his study he co-founded his own internet startup in Germany and he has also been part of several of other startups. Today Petter holds the title as Senior Vice President and Head of Strategic Partnerships at DNB.
Co-Founder at Ukko.fi / SLP Group
Olli Kopakkala is a co-founder of the UKKO.fi – Light Entrepreneurship Platform. UKKO.fi, which is the 4th largest fintech company in Finland with more than € 80M in revenue, has helped already more than 80 000 Finns to work in an entrepreneurial way, without setting up their own business. Through result-oriented marketing, Olli has built UKKO.fi into a success story. Before UKKO.fi, Olli has worked as an entrepreneur, consultant and trainer.
CEO & Founder at EstateGuru.co
Marek is an experienced entrepreneur with a passion for proptech & fintech. Currently, he is reinventing property finance at EstateGuru, one of the leading European platforms for real estate-backed loans. During his 15 year career in property business, he noticed that banks were often unwilling to lend money, even though there was a solid business plan and mitigated risks. To tackle the issues in the financial world, Marek co-founded Estateguru. Today, the platform has 27 000 investors from 106 countries and has disbursed loans of over €135 million in six countries. Marek is also a highly valued public speaker, and is regularly invited to flagship events and conferences to share his views and experiences about property finance transformation.
CEO & Founder at enkla.com
As the founder and CEO of enkla.com, Alexander has grown the business from a start-up to what is today the most well-known online mortgage issuer in Sweden. With a background in software engineering at Lund University, Alexander’s first experience with financial technology was in 2004 with the global investment bank Dresdner Kleinwort Wasserstein in Frankfurt, Germany. He then applied his software development skills in government and the private sector before returning to fintech as the founder of the mortgage broker Lånbyte in 2012. That business transitioned to enkla.com which launched in 2018 as a revolutionary financial technology institution specializing in digital mortgage origination.
Hans van Grieken
EMEA Technology Research & Insights Leader at Deloitte
Hans van Grieken is the EMEA Technology Research & Insights Leader and part of Deloitte’s global Emerging Tech Executive Council. He joined Deloitte in August 2016 coming in from Gartner where he was a VP of Research. In this role he helps shape Deloitte’s global research agenda in addition to identifying & driving a number of EMEA research initiatives. Hans is the lead or co-author of a number of recent Deloitte global and regional digital transformation research papers.
SVP, Head of Core Banking Transformation at Nordea
Joseph Edwin is Head of the Core Banking Transformation Programme at Nordea Bank. Joseph moved from Sydney, Australia to Copenhagen, Denmark to take up this role with Nordea. Joseph has over 17 years’ experience in the banking industry coupled with a strong track record of successfully delivering complex and large scale transformation programmes. Prior to Nordea, Joseph was CIO for CommSec, Australia’s largest online stockbroking firm and a wholly owned subsidiary of the Commonwealth Bank of Australia. Joseph started his working career in the USA at Silicon Valley start-ups. Outside work his interests lie in travel, photography, road cycling, literature and global politics.
Core Banking Renewal Director at Säästöpankki
CIO at Säästöpankki
Principal Consultant at Temenos
Sundareswaran Devarajan enjoys 17 years of banking experience, including 7 years in the middle east and the rest in UK/Europe regions. His expert knowledge in retail & corporate finance has earned him a role in Temenos as a Principal Presales lead consultant. Mr. Devarajan began his career in 2002 as a developer, before angling his career toward implementation services to focus on creating solutions and strategies for various client deployment. In his current role he is involved in designing proof of concepts for emerging fintech trends like Distributed Ledger Technology, Open Banking etc. He holds a Degree in Electrical and Electronics Engineering, a diploma in Networking systems and an MBA from the University of Leicester. He is also a certified Data Scientist.
CEO at Handelsbanken Finland
As Head of Handelsbanken Finland Nina Arkilahti is responsible for the retail banking operations and the nationwide branch network. She has built her professional career in the banking and financial services sector, starting at Skopbank in 1990. In Handelsbanken since 1995, she has held several positions at several branches in Finland, and worked as General Manager at Handelsbanken Germany. It continues to be her commitment to develop Handelsbanken into a strong bank in Finland, with its roots in local communities and long-term customer relationships. Nina holds a Master of Science degree from the University of Turku.
Senior Partner Solutions Architect at Amazon Web Services
Paul is old enough to be called an industry veteran with more than 35 years of IT experience. He worked with Fintech customers for more than 20 years, has worked as Chief Solution Architect for Skandiabanken and also consulted for several major companies in Telco and Manufacturing. Paul works now as the Senior Partner Solutions Architect at Amazon Web Services (AWS), where cloud security is the highest priority and customer’s data center and network architecture are built to meet the requirements of the most security-sensitive organizations.
Organisational Development Manager at Enfuce Financial Services
Andreas Björk draws on his deep experience in the tech sector to help ensure that Enfuce meets today’s requirements of fast time-to-market with high quality at all times. Enfuce is the world’s first PCI DSS–Level 1 compliant cloud-based payment service provider approved by the Finnish FSA and Andreas works between the business, tech and compliance domains when launching new services, products and on-boarding new customers. Andreas was also responsible for Enfuce’s PCI-DSS–Level 1 certification.
CEO at OPR Finance
Jouni is the acting CEO of OPR Finance, a leading consumer and business credit provider company founded in 2005. Jouni has 25 years of international business and IT & Digital experience mainly focused on Banking. His passion is to continuously drive innovation and improvements. Jouni has a doctor’s degree in Business Administration from St George University.
Co-Founder & CTO at P.F.C.
CIO at Aktia
Juha Volotinen is an experienced IT director who is currently the CIO of Aktia Bank. Juha was the Program Director for Core Bank Replacement at Aktia, which was the first successful core banking system renewal in the Nordics. Juha has prior experience from SEB and Danske Bank.
Associate Vice President at Cognizant
With more than two decades of rich experience in strategy & operations with global consulting leaders, Dipanjan brings deep expertise in high performance enterprise solutions and value architectures to the table. Dipanjan has extensive experience in large global bundled outsourcing programs including acquisition and integration of large globally distributed teams across Europe, NA and APAC. He has played Enterprise Architect role in complex enterprise scale platform development, process and cognitive automation, cloud architecture, On-Demand Service Utility models, Global ERP rollout. He served as an active member and frequent speaker at the top engineering and business schools in India, as well as NASSCOM and IEEE
CEO & Co-Founder at Invesdor
“I began my career in banking, acquisitions and financial management, working at companies such as Merrill Lynch and Kone. Invesdor was started in 2012 and soon blossomed; I became a full-time entrepreneur in 2013.
Entrepreneurship has taught me so much. I have learned a great deal about the importance of marketing and about managing and leading professionals. I’m still learning new things every day, aiming to grow as a leader who can foster a secure and confident atmosphere in his team.
Invesdor was started from scratch by a group of friends. Seven years later, we have people in five countries, offices in three, and a foothold on the international market. We’ve come a long way and will keep building a great digital financing ecosystem on an international level.”
Product Manager at Mash
Otto has 7 years of experience in product development, sales and marketing within financial services and has a broad insight in cards & payments. Otto is currently a Product Manager at Mash, a Finland founded international rapidly growing fintech group that focuses on payments. Prior to Mash, Otto worked for Aktia Bank, PwC and Enfuce Financial Services.
Co-Founder at Bankify
In addition to experience within the financial field, Antti is a serial entrepreneur who founded his first company at the age of 17.
CEO & Founder at Tomorrow Labs
Sami Honkonen is the CEO of Tomorrow Labs. Tomorrow Labs is a Digital product studio behind the digital housing trade platform DIAS. Sami started speaking at conferences in 2010. Since then he has presented hundreds of times all over the world. He is also the host of Boss Level Podcast and a death metal singer.
CEO & Founder at cloudasset
Hasan Malik is a tech entrepreneur and the founder of Cloudasset, a privately held R&D company that develops cloud technology for digital payments, water & resources management, cyber readiness and smart environments for governments, banks, and enterprises. During his career, Hasan has held leading technology & business development roles at British Telecom, Hewlett Packard and AGT International in Europe and the Asia Pacific. Cloudasset is working on creating domestic digital payment eco-systems in emerging markets working closely with governments and central banks.
CEO at Prasos