The Nordic region’s leading banking innovation conference

4 – 5 November 2020

Radisson Blu Scandinavia, Copenhagen

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ATTENDEES

300+

SPEAKERS

35+

BANKS

65+

COUNTRIES

30+

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

This year delegates learned how open banking, digital identities, the personal data economy, digital payments and customer experience are revolutionising the banking landscape.

2019 Brochure

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FinTech Evening

3 November 2020 | 17.30 – 20.15

Following on from the success of last year, our highly anticipated FinTech Evening made a return in 2019, in partnership with Copenhagen FinTech! This evening was dedicated to exploring the best and brightest start-ups in the Nordic FinTech scene. Delegates networked with their peers over drinks and canapés and sat back and listened to the latest innovative start-ups.

In 2019, we presented:

Lightning Pitch | Capcito

Michael Hansen, Founder, Capcito

Lightning Pitch | Bizbot

Didrik Martens, Chief Executive Officer, Bizbot

Lightning Pitch | Safello

Frank Schuil, Chief Executive Officer, Safello

Lightning Pitch | Kreditz

Elias Abrahamsson, Chief Commercial Officer, Kreditz

Lightning Pitch | Hudya

Morten Kvam, Chief Communications Officer, Hudya

Lightning Pitch | Payr

Gaute Gundersen, Chief Financial Officer, Payr

Lightning Pitch | BRAbank

Roy Gunnar Blommedal, Product Manager, BRAbank

2019 Agenda

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Day One Tuesday, 22 October 2019

Day Two Wednesday, 23 October 2019

09.00

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

Session 1

Taking transformation by the horns

09.10

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?

Katrine Mitens

Executive Vice President Payments & New Ventures , Danske Bank

09.30

What the fisk is composable banking?

Why banks should “compose” and “orchestrate” architectures as opposed to building them
Achieving successful integration of composable banking within the organisation
Uncovering the challenges of composable banking and defining a strategy to overcome them

Michael Pierce

Senior Account Executive , Mambu

09.50

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

10.10

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?

Katrine Mitens

Executive Vice President Payments & New Ventures , Danske Bank

Iða Brá Benediktsdóttir

Managing Director - Retail Banking , Arion Bank

Sampsa Laine

Executive Vice President, Head of Digital Banking , Nordea

Kevin Albrecht

Co-Founder and Chief Technology Officer , P.F.C

10.40

Digitization of knowledge – the secret sauce in open banking

Pål Krogdahl

Chief Technology Officer, Financial Services Sector , IBM

11.00

Refreshments

Session 2

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

The open opportunity

Digital identities: knowing your customer like never before

Chaired by Elina Mattila, Executive Director, Mobey Forum

11.30

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

11.50

API-driven digital ecosystem opportunities in open banking

Teresa Taibo

Lead Business Architect , Torry Harris Integration Solutions

12.10

Questions

12.15

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?

Søren Mogensen

Head of Strategy and Transformation , Danske Bank

Behrang Masoumi

Head of Digital Transformation Analysis , Swedbank

Malin Lignell

Vice President, Digitalisation and Innovation , Handelsbanken

Peter Anderson

Country Lead Denmark , Tink

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

11.30

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. Aurélie 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.

Aurélie Bayard

Head of Professional Services , LuxTrust

11.50

Spearheading a digital identity strategy

Daniel Greiller

Vice President Sales, EMEA , Feedzai

12.10

Questions

12.15

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?

Aurélie Bayard

Head of Professional Services , LuxTrust

Sameli Mäenpää

Senior Vice President and Chief Data Officer , OP Financial Group

Fredrik Sjoholm

Vice President Sales , Precise Biometrics

13.00

Lunch sponsored by IBM

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

14.15

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

Understanding the similarities and differences in potential new models
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

14.35

Core banking system transformation: the key for a successful adoption of open banking

Arianna Lombardo

Senior Account Manager , CRIF

Claudio Sangiorgi

Business Development Manager , CRIF

14.55

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

Jon Schäffer

Senior Vice President, Group Head of Strategic Partnerships , Danske Bank

15.15

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

Igor Marcolongo

Head of Business Compliance , InfoCert

14.15

A new identity 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. Karl will explore the evolution of data and what banks can do today and tomorrow.

Karl Askel Festø

Head of Advanced Analytics , DNB

14.35

Cloud payment processing: achieving product lift off in only 7 days

Maria Vinogradova

Director of Strategy and Market Intelligence , OpenWay

Dmitry Yatskaer

Chief Technology Officer , OpenWay

Mikko Nurminen

Sales Director , Enfuce

14.55

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

Senior Vice President and Chief Data Officer , OP Financial Group

15.15

Peer-to-peer discussion

The personal data economy: understanding the opportunities of GDPR

How has regulation changed the way customers view their data?
How will the way customers safeguard their personal data evolve?
Next step for man: to what extent will traditional digital identities merge with customers’ digital footprints?
How can banks leverage their position of trust to become custodians of comprehensive identities?
Over what timeframe will business-customer data trading be realised?
What infrastructure would banks need to begin providing personal data storage services?
Is blockchain the only way to ensure both security and accessibility?
Personal data platforms: the next trillion-dollar industry?

15.45

Refreshments

Session 4

Lessons from CXperts

16.15

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

16.35

Making banking personal – identity driven digital experience

Delivering digital experiences that meet customer expectations is critical to digital transformation, however, opportunities to get up close and personal with customers intersect with risk, security and an overall lack of trust. Nick will share how safe and transparent processes are becoming central to creating seamless customer journeys.

Nick Caley

Global Vice President of Financial Services and Regulatory , ForgeRock

16.55

Interview | CYBG and Virgin Money

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 abroad. In this interview, Fergus will be interviewed by our chair, who will explore how CYBG is creating 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 and Virgin Money

17.15

Keynote address | Apay

Creating the ultimate in frictionless, customer-centric payments: the world leading practice from China

Jie Zhang

Co-Founder and Chairman , Apay

17.35

Keynote address | Facebook

Creating a digital-first strategy for the modern customer

Pernille Fruensgaard Øe

Head of Industry , Facebook

17.55

Drinks reception

09.30

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

Session 5

Exploring the next-generation of payments innovation

09.40

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

10.00

From instant payments to open banking: are we in the middle of a perfect storm?

Where does cash stand in a world of instant digital payments?
Is the road to digital payments still under construction?
How is the perception of payments in the digital realm different across regions?
What does the future hold for instant payments and open banking?

Paul Walvik-Joynt

Senior Vice President Payments International , Nets

10.20

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 & IoT Solutions , Danske Bank

Sirpa Nordlund

Senior Vice President, Country Director Finland , Nets

11.05

Refreshments

Session 6

Creating the prime conditions for AI adoption

11.35

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

11.55

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

12.15

Striking the human balance in AI

Javier Rosas

Vice President of Sales , Glia

12.35

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?

Nima Ghorbani

Head of Analytics and AI , Swedbank

Konráð Hall

Director, IT Operations , Íslandsbanki

13.15

Lunch

Session 7

Building the bank of the future

14.15

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. Lisa 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.

Lisa Björnberg

Head of Marketing Operations , Klarna

14.35

Lessons learned in digital lending

Lenders of all shapes and sizes are battling extreme competition on a daily basis, with new fintechs and challengers, leveraging the latest and most innovative technologies, emerging all the time. In this session Auke Veenstra, Head of EMEA Partnerships at Cloud Lending, will share key insights and draw upon Cloud Lending’s established presence in digital lending, from originations through to servicing and collection to offer guidance and value tips.

Auke Veenstra

Senior Director, EMEA Strategic Alliances , Cloud Lending

14.55

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?

Lasse Kalkar

Business Development Manager, Nordics , Revolut

15.15

Keynote address | Lunar Way

Envisioning a new model for banking: Lunar Way’s skyward journey

Ken Villum Klausen

Chief Executive Officer , Lunar

15.35

Closing remarks and end of conference

This year we took delegates to the trendy Meatpacking district for our highly anticipated drinks reception! BOB is part of the urban vibe in the heart of Vesterbro – situated in the old BOSCH building. You can’t miss it with it’s entrancing neon lights and buzzing atmosphere! Everything you eat or drink will be at least 90% organic. By working with local suppliers BOB is constantly striving to find better, smarter, and more sustainable initiatives and collaborations, all while ensuring you only have the most delicious food and drink.