The Nordic region’s leading banking innovation conference

21 – 23 October 2019

Radisson Blu Scandinavia, Copenhagen

“An excellent conference which brings together key industry players to tackle the challenges and prepare the banking industry for ongoing digital transformation!”

Head of Technology Management, Arion Bank

ATTENDEES

300+

SPEAKERS

35+

BANKS

65+

COUNTRIES

30+

MoneyLIVE: Nordic Banking brings together retail banks, challengers and FinTechs from across the Nordic region to spur innovation in banking.

Join us in October to learn how open banking, digital identities, the personal data economy, digital payments and customer experience are revolutionising the banking landscape.

Opening new doors? Nordea, Danske Bank, Aktia and Saxo Bank will share the next steps for open banking and find out how it will fundamentally change your revenue models

Create a brand that resonates with the modern customer, and hear Klarna’s Chief Marketing Officer share how he propelled the brand to viral success with the help of Snoop Dogg! Learn how you can breathe life into banking

Fintech Icon

Ensure your customers have the best suppliers by listening to lightning pitches from Capcito, BizBot, Safello, Kreditz, Hudya, and Payr at our FinTech Evening, and make the partnerships you’ll need to thrive

Learn how Carlsberg continually primes its customer experience strategies in an out-of-industry case study to discover how you can increase your brand reputation and customer trust

Payments Icon

Hear a case study from Lars Sjögren, Chief Executive Officer, P27, about the new paradigm about to emerge in Nordic payments and what’ll you need to do to prepare

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FinTech Evening

21 October | 17.30 – 20.15

Following on from the success of last year, our highly anticipated FinTech Evening is making a return in 2019! This evening is dedicated to exploring the best and brightest start-ups in the Nordic FinTech scene. Network with your peers over drinks and canapés and sit back and listen to the latest innovative start-ups pitch to you. This year, we present:

Lightning Pitch | Capcito

Oliver Pechter, Chief Marketing Officer, Capcito

Lightning Pitch | Bizbot

Didrik Martens, Chief Executive Officer, Bizbot

Lightning Pitch | Safello

Frank Schuil, Chief Executive Officer, Safello

Lightning Pitch | Kreditz

Roni Zacharion, Chief Executive Officer, Kreditz

Lightning Pitch | Hudya

Morten Kvam, Chief Communications Officer, Hudya

Lightning Pitch | Payr

Espen Einn, Chief Executive Officer, Payr

Lightning Pitch | BRAbank

Roy Gunnar Blommedal, Product Manager, BRAbank

Agenda

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Day One Tuesday, 22 October 2019

Day Two Wednesday, 23 October 2019

Chair's opening remarks - Peter Nordgaard, Associate Professor, Executive Finance and Economics, AVT Business School

Session 1

Taking transformation by the horns

Adopting a challenger identity: the key to winning in an open environment

How can banks create a culture focused on innovation and beating the competition?
Creating your structure: sandpits, innovation teams and beyond
To what extent are standalone challenger brands a way of enacting immediate change?
Wolf at your door: when will challengers begin to topple static incumbents?

Frederik Vinten

Member of the Executive Board and Head of Group Development , Danske Bank

Staying agile in a changing market

Senior representative, Mambu

Case study | Arion Bank

Ditching the legacy of traditional banking

Following the 2008 financial crisis hit, Iceland’s three largest banks were broken up, forcing changes in systems, processes and culture. Iða Brá will describe how for Arion Bank, this proved a reinvention from which the bank continues to benefit to this day.

Iða Brá Benediktsdóttir

Managing Director - Retail Banking , Arion Bank

Leaders’ forum

Innovating to thrive: eradicating barriers and supercharging successes

What are the key barriers to innovation in today’s open banking environment?
How can transformational successes be understood as thoroughly as failures?
New technology, new possibilities: what systems and functions can be rapidly revolutionised?
How can the organisation best be readied for future innovation?
Rip-out-and-replace: is this set to become the dominant strategy?
Eyes on the skies: is cloud tech the only viable solution available today?

Frederik Vinten

Member of the Executive Board and Head of Group Development , Danske Bank

Iða Brá Benediktsdóttir

Managing Director - Retail Banking , Arion Bank

Sampsa Laine

Executive Vice President, Head of Digital Banking , Nordea

Session 2

The open opportunity | Digital identities: knowing your customer like never before

The open opportunity

Digital identities: knowing your customer like never before

Best practice in APIs: ensuring innovation and effectiveness

Defining your API strategy identifying where voluntary APIs are likely to be most effective
What are the potential pitfalls that could cause APIs to fail and how can they be avoided?
To new heights: is starting small and scaling more effective than jumping in head first?
API standardisation: when will this happen? What will be the catalyst?
Ensuring APIs deliver what is required: what role does RegTech have to play?

Behrang Masoumi

Head of Digital Transformation Analysis , Swedbank

Panel discussion

Blowing banking open: opportunities for the next-generation of service

A new era for banking: what will the next five years look like for banks?
How are banks reacting to an increasingly open environment?
What frameworks will need to be laid now to enable future growth?
In what ways will revenue models migrate to become more API-centric?
How are FinTechs and TPPs changing the value chain?
Are open APIs giving banks more or less control over their customer relationships?
Will banking-as-a-platform or banking-as-a-service become the dominant model?
What are the next steps for open banking revolution?

Kim Alen

Head of Open Banking , Aktia

Søren Mogensen

Head of Strategy and Transformation , Danske Bank

Chaired by Peter Nordgaard, Associate Professor, Executive Finance and Economics, AVT Business School

Case study | LuxTrust

Holding the master key: providing an identity for your customers

Six of Luxembourg’s largest banks created LuxTrust, a digital platform that allows customers to verify their identity – both with the banks concerned and with other parties. Pascal will outline how LuxTrust has allowed banks to broaden out into being used by retailers, postal services and beyond, enabling banks to become ever more embedded into their customers’ routines.

Pascal Rogiest

Chief Executive Officer , LuxTrust

Panel discussion

The next-step for digital identities: implementing the framework

Years of trust: leveraging the entrenched position of banks to gain foothold in digital identities
Following the digital identity trail: what can be learnt from this new data stream?
Passporting to phones: should identity services be restricted to digital platforms or offered in physical branches also?
What are the key technological barriers to implementing advanced digital identity schemes?
Is it necessary to collaborate with governmental bodies?
Customers, banks, third parties: who owns the digital identity?
Safeguards and controls: protecting identities in an age of cyberattacks
Imposters, fraud and leaks: who is liable when digital identities go wrong?

Pascal Rogiest

Chief Executive Officer , LuxTrust

Sameli Mäenpää

Chief Data Officer , OP Financial Group

Stefan K Persson

Chief Executive Officer , Precise Biometrics

Session 3

Leveraging your platform: exploring new models in banking | Data strategies for an evolving age

Leveraging your platform: exploring new models in banking

Data strategies for an evolving age

Marketplace, platform, lifestyle: assessing the next steps for ‘traditional’ banks

Understanding the similarities and differences in potential new models
The value of transaction data: identifying where this gives banks the edge
Will banks be able to survive without partnering with TTPs?
How will banks’ models initially begin to diverge?

Sarah Häger

Head of Open Banking Community , Nordea

Getting through the open banking spaghetti

Senior representative, Cloud Lending

Fireside Chat

Creating partnerships for genuine utility: assessing your customers’ needs

What services will customers increasingly expect from their bank in the coming years?
Are value-added services the key to drawing in new customers?
How can partnerships be quickly and efficiently implemented?
Better than you know yourself: is data the key to discovering where your next partnership should be?
How can customers be educated on new products and services?
Maintaining a consistent user experience across TPPs

Joakim Sjöblom

Chief Executive Officer , Minna Technologies

Panel discussion

The centre of the town square: creating an ecosystem around your service

What must banks do to keep their place at the centre of customer lives?
How can banks leverage their dominant position to build networks around their services?
Securing customer trust in new models: proving third parties are beneficial and secure
Choosing the correct TPPs for your customers: considering utility, experience and security
Branching out: are partnerships beyond the financial services the inevitable next step?
If you can’t compete: in what ways must banks differentiate their offering from that of the lifestyle giants?
As branches disappear, how can banks utilise their regional knowledge to entrench themselves into local areas?

Sarah Häger

Head of Open Banking Community , Nordea

Joakim Sjöblom

Chief Executive Officer , Minna Technologies

Chris Truce

Global Head of FinTechs , Saxo Bank

A new identity for infrastructure: opportunities for banks

As customer data increasingly becomes a currency in itself, a new identity infrastructure has started to emerge globally. Digital footprints are being incorporated into traditional identities and customers’ digital assets are becoming as valuable to them as photobooks and mementos. In this way, banks have begun to explore potential ways to monetise customer data; over 30 banks in Northern Europe now offer data storage services for customers’ documentation and sentimental digital files and others are attempting to use financial records to aggregate services. Aidan will explore the evolution of data and what banks can do today and tomorrow.

Aidan Millar

Chief Data Officer , DNB

Can you know too much? Evaluating what customers will expect and allow

What effect have scandals like Cambridge Analytica had on customers’ trust?
Understanding your limits: avoiding the ‘uncanny valley’ of creepy personalisation
Transparent data collection: the key to customer trust?
Proving your worth: strategies to convince your customers

Sameli Mäenpää

Chief Data Officer , OP Financial Group

Session 4

Lessons from CXperts

Out of industry insight | Carlsberg

Placing the customer at the core of your strategy: the key to true loyalty

Rene Fyrsterling

Director, Customer Marketing , Carlsberg Group

Interview | CYBG

Innovating for the benefit of the customer: creating seamless, digital propositions

With its recent takeover of Virgin Money and plans for a newly re-energised rebrand, CYBG has hopes to build the best lifestyle financial services experience in the UK and beyond. In this interview, Fergus will be interviewed by our chair, who will explore how CYBG has built services with the customer in mind, paying specific attention to CYBG’s digital products and what a perfect digital experience looks like for today’s customers.

Fergus Murphy

Group Director, Retail , CYBG

Drinks reception

Chair's opening remarks - Peter Nordgaard, Associate Professor, Executive Finance and Economics, AVT Business School

Session 5

Exploring the next-generation of payments innovation

Case Study | P27 – The Nordic Payments Platform

Towards a pan Nordic payments infrastructure

P27 is a joint venture between the seven largest Nordic Banks, which aims to enable ease of cross border payments. Lars will outline P27’s progress to date and update on the infrastructure pilot, which is due to go live in Q2 2020.

Lars Sjögren

Chief Executive Officer , P27 – The Nordic Payments Platform

Panel discussion

New entrants, challengers and disruption: envisaging the future of digital payments

Post-PSD2 world: how much has actually changed since implementation?
Swish, Vipps, MobilePay: what is likely to disrupt their dominance?
Is Apple Pay the first in a wave of new challengers?
How have AISPs and PISPs affected the customer experience so far?
Will a decline in cards and cash spur a new wave of invisible payments innovation?
Finding your FinTech match: how can FinTechs be integrated into the payments experience?
A different path: in what ways could fraud re-emerge in a diversified payments landscape?
Perennial competitors: is Big Tech’s entrance overstated or a true threat?

Lars Sjögren

Chief Executive Officer , P27 – The Nordic Payments Platform

Tino Kam

Head of Payments, Liquidity Management and Channels , Nordea

Morten Schwaner

Head of Card and Mobile Payments , Danske Bank

Session 6

Creating the prime conditions for AI adoption

Identifying the areas ripe for AI disruption

Evaluating the use cases that will have the most impact on the business
Using AI-driven analytics to evaluate areas where AI could drive improvement
No easy mission: weighing up feasibility with potential benefits
Recognising the potential: have we fully understood AI’s capabilities?

Yngvar Ugland

Executive Vice President, Head of NewTechLab , DNB

Seeing eye to AI: creating an organisational structure that brings business and tech together

What is the ideal make-up of innovation departments and teams?
How can businesses ensure interdepartmental communication to enable AI development?
Demonstrating potential ROI on your AI solutions to secure board buy in
Maximising opportunities across both sectors and functions

Hrannar Hallkelsson

Head of Technology Management , Arion Bank

Journeys of development

Lessons, challenges, successes: a practical look at implementing scalable AI

In this session, our speakers will deliver short case studies on how they implemented and scaled AI in their organisations – highlighting the obstacles that they faced and how these were overcome. Following this, having identified their common experiences they will discuss how to best implement AI:

What were the greatest barriers to the efficient implementation of AI?
Legacy systems, data silos, cultural barriers: exploring how common problems were overcome
Looking forward: how can future impediments be identified and addressed?
Scaling up: strategies for expanding beyond your departments
Moving up or working across: is vertical or horizontal scaling more feasible?

Konráð Hall

Director, IT Operations , Íslandsbanki

Session 7

Building the bank of the future

Disrupting the everyday: identifying and healing financial pain-points

Creating a truly frictionless bank: identifying the effort-cost of your customers’ actions
Opening new doors: creating previously untenable propositions with new technology
Contact strategies: how actively do customers want to be involved?

Espen Myklebust

Country Manager - Norway , Revolut

Case Study | Klarna

Breathing life into banking: crafting a brand for tomorrow’s customer

Your bank doesn’t always have to be serious, even if your finances are. In January 2018, Klarna aimed to go against everything that banks usually do by creating a marketing campaign that featured Snoop Dogg and two Afghan hounds, and which immediately propelled the brand to viral success. David will discuss Klarna’s new marketing campaign, why branding is becoming ever more important in a social age, and how to create a brand that resonates with the modern customer.