Advisory Board

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​.

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.

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.

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.

Joris Hensen is responsible for the development of the Deutsche Bank API program, which he co-founded at the beginning of 2015. In his more than ten years at Deutsche Bank, he has worked in various international projects as a project and innovation manager.
Joris Hensen became enthusiastic about innovations and future trends at a very early stage and in 2012 he was given the opportunity to set up a corporate foresight program in which future scenarios and innovation strategies for Deutsche Bank were developed. From 2014 on, as part of this, he was also a guest lecturer at the Zeppelin University in Friedrichshafen on the topics of foresight, innovation and design.
What once began as a foresight scenario was officially launched in November 2017 as a developer portal, which offers external partners the opportunity to connect personalized apps and services via the API of Deutsche Bank (dbAPI), thus opening up new areas of value creation for Deutsche Bank.
Joris Hensen understands himself as an intrapreneur and is dedicated about future trends and how they can change and improve people’s lives.
Follow him at @joris_hensen on Twitter.