FUTURE DIGITAL FINANCE FORUM 8

22.-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

Networking Evening


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

15.40 Wrap-Up

Piia-Noora Kauppi

Piia-Noora Kauppi

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. 

Lars Sjögren

Lars Sjögren

CEO at P27 - The Nordic Payments Platform

Lars joined the company in January 2019 as Chief Executive Officer. Before joining P27, he worked in the financial services industry for over twenty-five years and most recently as the COO, Banking Nordic at Danske Bank. Other former positions include Global Head of Transaction Banking, Head of Global Business Development, Business Banking and Deputy CEO of Danske Bank Sweden. He also served as Board member of Bankgirot (Swedish clearinghouse for payments) in 2017-2018. Lars holds an Executive MBA degree from Stockholm School of Economics and Business Administration from Linköping University.
Antti Saari

Antti Saari

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.

Åsa Bengter

Åsa Bengter

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.

Morten Sønderskov

Morten Sønderskov

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.

Kathy Chang

Kathy Chang

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.

Petter Lee-Johannessen

Petter Lee-Johannessen

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.

Olli Kopakkala

Olli Kopakkala

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.

Marek Pärtel

Marek Pärtel

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.

Alexander Widegren

Alexander Widegren

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

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.

Joseph Edwin

Joseph Edwin

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.

Markus Niemi-Nikkola

Markus Niemi-Nikkola

Core Banking Renewal Director at Säästöpankki

Markus Niemi-Nikkola is Program Director of the Core Banking Renewal Program at Savings Banks Group. After 17 years in various positions in the financial sector, Markus is enthusiastic about the potential of the ongoing digital era. In personal life, he spends his time by traveling, dreaming/planning of visiting foreign countries and also as coach in junior football and floorball.
Pekka Suomalainen

Pekka Suomalainen

CIO at Säästöpankki

Pekka is an ICT leader and technology enthusiast with 20+ years’ experience of developing and running IT services. He is currently heading the ICT for Savings Banks Group as CIO. Previously he has been responsible of production of critical services for multiple Finnish banks, created cloud solutions on startup and built app ecosystems and mobile services at Nokia on Global scale.
Sundareswaran Devarajan

Sundareswaran Devarajan

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.

Nina Arkilahti

Nina Arkilahti

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.

Paul Ahlgren

Paul Ahlgren

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.

Andreas Björk

Andreas Björk

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.

Jouni Selin

Jouni Selin

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.

Kevin Albrecht

Kevin Albrecht

Co-Founder & CTO at P.F.C.

Kevin Albrecht is Co-Founder and CTO at P.F.C. – Sweden’s first neobank. Before starting at P.F.C, Kevin led teams and products in fintech including at Klarna and Rikskortet. Kevin also mentors startups at the Founder Institute.
Juha Volotinen

Juha Volotinen

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.

Dipanja Saha

Dipanja Saha

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

Lasse Mäkelä

Lasse Mäkelä

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.”

Otto Lindberg

Otto Lindberg

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.

Antti Tarakkamäki

Antti Tarakkamäki

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.

Sami Honkonen

Sami Honkonen

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.

Hasan Malik

Hasan Malik

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.

Heidi Hurskainen

Heidi Hurskainen

CEO at Prasos

TOGETHER WITH