Kåre Kjelstrøm has a Master’s degree in Computer Science and +25 years of industry experience working in Denmark, Canada, and the United States as a software engineer and manager. His resume includes work at Uber, Cloud Kitchens, Concordium, and at the consulting company Silverbullet which he co-founded and where he helped digitize the Danish Public Sector for 10 years.

Ville Sointu is the Chief Strategist for digital currencies at Nordea Bank. With a career spanning since 2002 in fintech, Ville has held pivotal roles globally, innovating in financial services and connected devices. His expertise is recognized in influential circles, including the European Central Bank’s former Digital Euro Market Advisory Group, the board of Mobey Forum and the advisory board of GSMA’s Inclusive Tech Lab. Ville has also contributed to a number of key industry and policy organizations like the EBF, OECD and EBA and in his free time enjoys co-hosting the ‘Fintech Daydreaming’ podcast, sharing his insights into fintech’s evolving landscape.

Ragnar Toomla serves as the Chief Product Owner for Digital Channels at SEB, a position he has held since 2021. With over 25 years of experience in digital banking, Ragnar has been instrumental in developing various digital customer service solutions. His work includes contributions to internet and mobile banking, ATM network development, open banking solutions, e-commerce and the creation of electronic invoicing standards and digital identiy services like Smart-ID​. He holds an MBA from the University of Tartu and MSc degree in Information Systems Analysis and Design at Tallinn University of Technology​.

Mikko Turunen is the Business CIO of Retail Bank at OP Financial Group, where he bridges the gap between business and IT to drive strategic initiatives and customer value. With a background in OP Group since 2008, he has held various key roles, contributing significantly to the company’s growth and digital transformation. His most recent accomplishment includes leading the successful launch of OP Financial Group’s new core banking system, demonstrating his expertise in driving complex projects and fostering innovation in the financial sector.

Malin Lignell has over 20 years of experience working with advisory services for both individual customers and corporates within Handelsbanken. More than ten of these years were spent in leadership roles at several Handelsbanken branches. In 2018 Malin joined the team for Technology & Innovation strategy, where her work now encompasses communications both within the organisation and externally at the strategic and operational levels. The team identifies and evaluates important trends within emerging technologies and explores these in practice. Insights built through dialogue internally and externally, as well as from field experience, are used to drive, inspire and challenge the organisation to become more innovative and focus on the opportunities and challenges that come with the bank’s digitalisation journey. Focus areas are understanding changes in customer behaviour and business models following trends in emerging technologies. Published author in Journal of Digital Banking and Journal of AI, Robotics and Workplace Automation. Both journals by Henry Stewart Publications.

Martin Clausen is a distinguished expert in information and cyber security, boasting extensive experience in the field. As the former Global Head of Cyber Security at Saxo Bank, he has showcased his exceptional ability to transform cyber security into a strategic organizational priority. Renowned for his strategic vision and leadership, Martin has significantly contributed to the growth and success of every organization he has been part of. With a robust background in security architecture, Martin merges technical proficiency with a deep understanding of strategic initiatives, industry trends, and cutting-edge technologies. His innovative contributions and thought leadership have firmly established him as a respected authority in the realm of cyber security.

At Nordea, my mission extends beyond just leading strategic initiatives on connectivity; it’s about forging pathways that redefine our customer experiences and streamline business processes. With a career deeply rooted in transaction banking, my focus has been on nurturing innovation through digital transformation, especially in the realm of open banking and API-driven solutions. My tenure as VP Product Manager of Commercial APIs saw the successful launch of cash management services that not only met but anticipated corporate customer needs, bolstering satisfaction and retention. Championing the cause of digitalisation, I’ve harnessed the power of automation and collaboration to drive both performance and cost-efficiency, aligning with Nordea’s commitment to excellence and customer-centricity.

Eric Ducoulombier is, since 1 January 2019, Head of the Retail and Payments Unit in the European Commission (DG FISMA). Prior to that he was Head of the Unit dealing with Inter-Institutional affairs and Planning in DG FISMA. Eric joined the European Commission in 1992, after having worked a few years in the private sector. He holds a Master Degree in Law from the University of Lille (France).

Experienced IT leader with focus on business outcomes. Passionate about digital innovation, product development, AI, process automation, security and operational excellence.

Dave has worked in the world of fraud for over 20 years, leading strategy, analytic, operational and change teams.

Benny Boye Johansen is Head of APIs and Partner Trading at Saxo Bank. He is responsible for all APIs supporting Saxo Banks many partnerships, including our FIX APIs and the OpenAPI which he took from the initial design phase to a full commercial offering. He has been with Saxo Bank since 2004 in various roles, from developer, to department manager, enterprise architect, product manager and IT department head.

A seasoned Fraud and Financial Crime Leader, Ketil has over 18 years’ experience in financial services, including Banking and Big 4 Consultancy. Most recently as Head of Global Fraud Strategy and transformation at SEB, he is responsible for driving the global fraud strategy, governance, data alignment and technology journey. Ketil has been leading several fraud teams everything from Fraud Operations, Data Analytics, Risk Management and Special Investigation. Ketil brings with him great regional experience within the financial services and banking industry across the entire Nordic and Baltic region leading teams. Within Fraud and Financial Crime in particular, Ketil holds deep subject matter expertise across Fraud, AML, Sanctions, Risk Management and Risk Assessments. In addition to his direct management experience, Ketil has a breadth of expertise in technical software solutions, having operated in the software industry as Head of the Centre of Excellence for Fraud and Financial Crime at SAS Institute; implementing Nordic Anti-Fraud and Financial Crime software/solutions across the banks, insurances and in the public sector.

Bio Annet Steenbergen After many years working in international border management Annet co-founded/co-initiated the Aruba Happy Flow project in 2013 that created the world’s first seamless passenger facilitation uniting the public and private stakeholder at the airport in one identity management system using a single biometric token. Ever since digital Identity and innovation for the travel eco-system have been at the centre of her work. She is currently a consultant for the travel and tourism industry and works on projects with focus on implementing digital identity and digital travel credentials to create true Seamless Travel while preserving data privacy and data protection. She is a participant in the EU Digital Identity Wallet Consortium. Annet has been actively involved in IATA OneID working groups and task forces and in 2020 she was awarded the Women in Biometrics Award. She is also often asked as a public speaker and moderator.

Mārtiņš Bērziņš is experienced digital business development leader, skilled in Mobile, User Experience, Agile, Strategy and Innovative Thinking. Prior Citadele bank created first licensed payment institution in Latvia. Joined Citadele in 2017 and for last 7 years Mārtiņš has led all digital channel development at Citadele focussing on mobile banking and Customer Experience development. Since August 2020 Mārtiņš is Head of Digital Customer Experience and Deputy Business Development.

Jenny Winther has more than 25 years’ experience in working with payment infrastructure. She is currently working at Handelsbanken as Head of Payment Schemes. She is a member of the EBA Clearing Board. Jenny also participants in several committees and working groups in the European Payments Council (EPC) and Nordic Payments Council (NPC) as well as the Swedish Bankers’ Association and the Swedish central bank.

Joachim Schwerin is Principal Economist in the unit responsible for the Digital Transformation of Industry within the Directorate-General Internal Market, Industry, Entrepreneurship and SMEs (DG GROW) of the European Commission. He is responsible for developing the policy approach of DG GROW towards the Token Economy and Distributed-Ledger Technologies as well as their applications for industry and SMEs. His current focus lies on developing positive framework conditions for Web3 and DAOs. In 2020, he contributed to the Digital Finance Strategy, including the MiCA Regulation. Previous responsibilities included the coordination of industrial and competition policy, the design of policy measures to improve SME access to digital finance and conceptual work on strategic aspects of the EU’s competitiveness in the global economy.

Einar runs Product at Indó Savings Bank, Iceland’s first challenger bank that’s been growing fast since launching in Jan 2023. Indó offers current and savings accounts and recently launched lending . Prior to Indó, Einar worked with scaling Klarna and digital strategy at Nordea. Einar is super passionate about disrupting the Icelandic banking market and creating a pleasant, fair and transparent banking experience.

I had the chance to work in different industries (Retail, Manufacturing, Banking and Insurance mainly), coping with several challenges of complex IT transformation programs as Executive and Advisory. Since 2016 I’m sharing my experience and vision on Cloud Computing, helping Medium and Large Enterprises on their journey. Strongly convinced that IT should enable business, enhancing the potential of the underlying technology stack that must be a commodity.

Full focus on corporate strategy development, business analytics and driving our engagement towards EU Commission regarding the EUDI Wallet. Love all things data and how digital identity can unlock the unlimited number of use cases – circa 100 new companies adopt BankID each month.

Soeren Rode Jain Andreasen has held various leadership roles in the financial sector and is known for his expertise in digital transformation and driving the adoption of new technologies in the banking industry. Andreasen’s professional journey includes working at prominent financial institutions where he has played a pivotal role in leading transformative change and innovation. He spent over a decade at Danske Bank, where he served as the Chief Digital Officer and was responsible for the bank’s digital transformation efforts in the United Kingdom. During his tenure, he played a crucial role in implementing innovative solutions, launching Open Banking, and improving the backend systems of the bank. In 2024, Andreasen made a significant career move and joined the Canadian Imperial Bank of Commerce (CIBC) as the Enterprise Digital and Innovation Officer. This appointment came after CIBC signed a multi-year agreement with Microsoft to migrate many of its operations to the cloud. Andreasen’s role at CIBC involves leading the bank’s digital strategy and driving innovation in the organization. Notably, Andreasen currently heads Digital Customer Engagement at Nordea, the largest bank in the Nordics. In this role, he oversees a dynamic team responsible for Digital Channels, Onboarding of clients, the origination and servicing of everyday banking products, digital money transfers, and the optimization of the retail payments experience. Andreasen’s influential presence extends beyond his professional achievements. He is a sought-after speaker at prestigious conferences and events worldwide, where he shares his invaluable insights on revolutionary topics such as open banking, customer experience, legacy systems, and the paramount importance of enhancing backend operations in the banking sector.

Product manager BankId, responsible for product security. Architect for the BankOd solution in Sweden, held CSO role for BankId for 10+ years. Manager for building internet bank somition for one of sweden main banks

Saira Khan is the Head of Innovation and Partnerships for First Direct Bank(HSBC), was recognised in Innovate Finance ‘Women in FinTech Powerlist 2023 & 2022’. Having led the creation of innovation teams and centres in the United Kingdom, Asia, and the United States, while building and testing data management and open banking through global hackathons, she has developed a unique vision and reputation for being a catalyst for transformation around the world on leading deliveries with commercial impact. She is known as a key connector and championing moves towards a digital-first culture, enabling greater collaboration and connectivity between startups and corporations with proven results. While her passion and advocacy for change sets her apart from her peers in the finance sector, it is her work mentoring and supporting global talent in Africa, Asia, and the United States that drives Saira as she focuses and champions efforts around diversity, inclusion, education, and sustainability.

As newly appointed Chief Commercial Officer and former Country Manager for Norway and Sweden Mats has spearheaded Lunar’s impressive growth, democratising financial services in the Nordics. With a substantial fintech background and as chairman for Swedish Fintech Association, Mats’ expertise is unparalleled. Don’t miss the chance to hear from a leader who’s reshaping how we bank, pay, and invest.

Peter has extensive experience from the banking and consulting industry, with a strong footprint in solving complex customers challenges through collaboration between banks and 3rd parties. His passion is to find new ways of doing business in the financial industry, working closely with customers and partners. Peter works with commercial API management in Nordea’s Nordic unit responsible for ensuring PSD compliance and proactively embracing commercial opportunities based on banking APIs.

As Head of Sustainability and Governance at Econans, Sarah supports banks in accelerating the transition of their real estate portfolio through data and tools. Sarah has worked with sustainability in International Organizations and in the Real Estate and Banking sectors and is passionate about the role of data and technology to meet Europe’s ambitious climate goals.

Originally a Commercial Banker, Helene is an Associate Director with the Centre for Digital Banking and Finance in LIBF, an experienced FinTech Programme Director, exited entrepreneur, educator and author. Her career boasts a number of ‘firsts’, including the creation of the FinTech Scale Colab Programme for Rainmaking, the Inaugural Programme of Education and Events for Innovate Finance, the FinTech on the Entrepreneurship Masters’ for UCL. Board and advisory roles include the Spanish digital identity scale up, Biid, the UK safeguarding RegTech, Kalgera, and the SME payments company, TomatoPay.  Helene was named on the Computer Weekly 100 Women in Tech Award, the Innovate Finance Women in FinTech Power List, and the Fintech Magazine 100 Women in Fintech list. She was also part of the FCA 2020 Data Sprint on SME Lending, and the recipient of the FT/Google Digital Pioneer Award. Her new book ‘Reinventing Banking & Finance: Frameworks to navigate global fintech innovation’ (Kogan) came out in November 2020, and was named the number one banking book for 2021 by Investopedia.

With nearly two decades of experience in transforming customer connections at one of the worlds largest financial institutions, Andrew has a proven track record in delivering meaningful change. In his current role as a Customer Experience Principal at Quadient he has been constantly in demand, sharing this knowledge and opinions at events ranging from Helsinki to Sydney, and from San Francisco to Tokyo and countless locations in between.

Jukka-Pekka has 16 years of experience in financial services from large corporate sales to product leadership. He has been fighting fraud in Nets and Nexi Group for 5 years and is currently leading the product management teams in fraud and dispute areas. Previously, Jukka-Pekka has been leading the corporate banking channels’ products at OP Financial Group and before that selling global cash management solutions at Danske Bank to large corporate clients. Nexi Group is a leading PayTech in Europe and uses advanced machine learning models to prevent fraud for hundreds of banks in Europe in real time.

Manish is Vice President and Head of Sales at Infosys for Financial Services (FS) EMEA and UK Public Services business. He is also c o head of Infosys UK Proxi mi ty Dev elop ment C enter and a member of EMEA Regional Leadership Team. As Head of Sales, he leads a team of senior sales managers responsible for driving the new business pipeline growth, attracting and on boarding new strategic clients to deliver significant revenue growth and brand recognition across EMEA region. With career spanning over 25 years of work experience across spectrum of client facing leadership ro les in Sales, Business Development, Service Delivery and Programme Management, Manish has helped some of the largest Financial Services organisations to navigate complexity and leverage new technology & thinking to drive business outcomes. Manish is pass ionate about Fintechs on account of the transformation they are driving in the banking industry. At Infosys, Manish has been actively involved in setting up a Global Fin t ech Marketplace to leverage the best of tech to support Financial Services clients in enhancing their propositions across the various markets they serve.

Enrico is a qualified Director of CRIF with over 22 years of experience in the financial sector.

Holger Lehmann is a seasoned business and technology leader with expertise in driving positive business outcomes in digital transformation processes. Holger currently leads the global Business Solution team in Temenos for the Digital, covering Onboarding, Origination and Servicing. Through his career with more than 20 years of experience in the banking software industry he was always focused on providing an outstanding customer experience for financial institutions and their clients. Holger is driven by innovation, effective collaboration, and delivering tailored solutions to meet business needs.

With over 10 years of work experience in the financial technology sector, I am passionated about the latest trends in the Fintech space. Currently working for Personetics, the global leader in financial-data-driven personalisation and customer engagement for Financial Services. Our mission is to help banks deliver personalised, proactive, and relevant solutions to their customers, enhancing their financial resilience and wellness. In my current role, I am responsible for leading and expanding the sales operations and revenue growth in the Northern Europe region.

Tim Mussche serves as a Area Vice President at nCino NEMEA (Northern EMEA). Tim works with financial institutions to understand their lending processes to help them accelerate their digital transformation projects. Tim has over 15 year experience in financial services. Prior to joining nCino, Tim worked in various senior roles at Bureau van Dijk and Moody’s Analytics in Europe, Singapore and Australia. Tim holds a Masters degree in Business from the ESSCA (Ecole Superieure des Sciences Commerciales d’Angers).

Ian is a Senior Vice President at MasterCard, with experience across product, sales and commercial, general management, strategy, and M&A/ corporate development.

In his current role, Ian leads MA’s Open Banking business in Europe. In this role, Ian works with a variety of players across financial institutions, PSPs, and merchants in delivering a variety of Open Banking use cases across payments (top ups, bill payments, and ecomm) and data (aggregation, lending, and onboarding). Prior to Open Banking, Ian has held senior roles at Mastercard in product, general management and corporate development across Europe, Middle East, and Asia Pacific

Prior to Mastercard, Ian worked in management consulting with functional experience in due diligence (buy- and sell-side), corporate and competitive strategy, business transformation and restructuring, and business case development across Europe, North America and Asia for Private Equity and Corporate clients.

Magnus is one of the co-founders of Kreditz, a dynamic fintech company operating under PSD2 regulations. With 20 years of experience in the credit industry, he possesses extensive expertise in fraud detection within the credit application processes for both consumer and business. He began his career as an analyst and model developer at Enento (UC) and has collaborated with several leading banks and financial institutions. Magnus has also held the position of Chief Credit Officer at Skandiabanken, validated IFRS9 models at Handelsbanken, and served as a risk manager for various niche banks.

Jos Veendrick, Vice President, Head of Continental Europe, TSYS Jos Veendrick has more than 30 years’ experience in financial services of which 25 years are in the cards and payments business working with issuing and acquiring banks along with payment processors. In 2009, Jos took responsibility for the relationship management of all TSYS Continental European processing clients as Director of Relationship Management. Today, in his role as Vice President, Jos is responsible for both relationship management and new business by building out the TSYS client footprint with the TSYS payment stack and value added services in Continental Europe.

Erwin has over 8 years of international experience in the blockchain sector across product, technology and regulation. He is a former economist with both the European Commission and European Central Bank. Currently he is head of policy at the European Blockchain Association where he leads advocacy and research initiatives between the web3 community and public institutions. He frequently participates in expert working groups around digital asset policy while advising EU Member State governments and private companies. He has published research on decentralised finance and also cross-border payments including the use of stablecoins/CBDCs for international trade and development.