2025 Agenda at a glance

Get a full view of the content we've got lined up for this year's MoneyLIVE Nordic Banking.

Session One | Stage 1 | The future of Nordic banking

09.00 - 09.05

Chair’s opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.20

Keynote address

A new strategic paradigm: the evolution of the Nordic market structure

09.20 - 09.40

Advisory

TBC

09.40 - 10.00

Interview

Revolut’s rise: charting the success of a digital banking giant

10.00 - 10.30

Leaders' Forum

Redefining commercial strategies for a changing market

• Tariffs, sanctions and geopolitical tensions: what are the challenges for banks navigating a de-globalising world?
• From cyberattacks to climate: how can banks ensure operational resiliency amid a growing complexity of risks?
• Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today?
• Defining acquisition strategies: from entering new market niches to acquiring digital capabilities at speed
• Value-added services: how must banks reimagine traditional retail propositions for a more competitive landscape?
• Leveraging AI and emerging tech: where should banks be looking to build capabilities and competitive advantage?
• The opportunities of FIDA and open finance: where could banks unlock new revenue streams through open data?
• Building a platform for success: how should technology investment be prioritised for a new era of modernisation?

Sverre Hana

Chief Executive Officer and Head of Banking, Nordics

Standard Chartered

Jón Guðni Ómarsson

Chief Executive Officer

Íslandsbanki

Magnus Fredin

Chief Executive Officer

Resurs Bank

Rūta Ežerskiene

Chief Executive Officer

Citadele banka

Customer stage - CX and engagement

11.15 - 11.30

Keynote address

From mass to me: the power of hyper-personalization

Edward Rebane

Chief Retail Commercial Officer & Member of Management Board

Citadele banka

11.30 - 11.50

Fireside chat

Agentic AI: a revolution in customer self-service?

• Towards straight through automation: how is agentic AI set to revolutionise customer support?
• AI that can act: what are the practical tasks AI agents can carry out on customers’ behalf?
• Turning up the heat: how could AI agents increase choice and competitive pressures on banks?
• From legacy systems to real-time data: what are the key challenges of implementation?
• From data strategy to cloud: what tools should banks be leveraging to reach AI maturity?

Sofie Holm

Head of GenAI Lab

Danske Bank

11.50 - 12.10

Advisory

TBC

12.10 - 12.30

Fireside chat

Delivering personalised data-driven services: the key considerations

• From money management to tailored offers: what personalised services are customers demanding?
• Delivering personalisation in practice: what can be learnt from propositions on the market to date?
• From tailored messaging to timely notifications: how can AI enhance customer engagement?
• Overcoming the technical challenges: from unstructured data to real-time event streaming

Aidas Malakauskas

Head of Omnichannel Solutions

Swedbank

12.30 - 13.00

Panel discussion

Making life easier for customers and SME clients

• Streamlining customer journeys: where can ease be enhanced for customers and clients?
• Self-service banking: what level of control are customers and clients looking for from banks?
• SME banking today: how can the ease of retail digital banking be replicated for SME clients?
• Digital needs: what features do customers and clients want from their mobile and online portals?
• Personal and business financial advice: how can banks enhance their financial advisory services?
• Seamless subscriptions, billing and expense management: where can services be enhanced?
• Hassle free payments: how can payments and transfers be simplified for individuals and SMEs?
• The future of the customer/client relationship: how could the role of banks be set to evolve?

Søren Rode Andreasen

Head of Digital Customer Engagement

Nordea

Thorsten Seeger

Executive Director

SME Bank

Philip Haglund

CEO and Founder

Gimi

Gimi – a gamified educational mobile banking app for families, delivered to banks using open banking.

Fraud & security stage - Fraud and financial crime

11.15 - 11.30

Keynote address

The fight against financial crime: lessons from the AML task force

Lars Gert Lose

Chief Executive Officer

Finans Danmark

11.30 - 11.50

Fireside chat

Taking the fight to APP fraud: best practices and strategies

• The Payment Services Regulation: what is the new liability framework for PSPs, BigTech and Telcos?
• Getting to grips with social engineering: how can customer education and nudges be enhanced?
• Behavioural analytics: how can behavioural data be harnessed to detect anomalies and fraud signs?
• Working with BigTech and Telcos: what more can banks do to further collaboration on APP scams?

Irene van der Laan

Head of FEC Fraud & Mid Office CDD

Rabobank

11.50 - 12.10

Advisory

TBC

Rob Woods

Director, Fraud, Identity, Authentication and Biometrics

LexisNexis Risk Solutions

12.10 - 12.30

Fireside chat

Instant payments fraud: rising to the challenge

• Network and counter-party collaboration: how far can sharing data characteristics stem the tide?
• Cross-channel coverage: how can banks effectively eliminate system gaps across channels?
• Towards real-time scoring: how can banks accurately determine fraud risk in real-time?
• AI and ML: how can banks leverage AI-based layers to detect and block fraud with precision?

Aleena Annie

AI Product Lead

Lloyds Banking Group

Fredrik Tallqvist

Regional Representative, Finland and the Baltic

EBA CLEARING

12.30 - 13.00

Panel discussion

AI in counter fraud and AML: the threat and the potential

• AI-powered fraud: how is AI transforming fraudsters strategies and techniques?
• Deepfakes and AI: how are deepfakes exploiting the weaknesses of eKYC and where can AI help?
• AML strategies: how can AI and ML enhance client screening and transaction monitoring in practice?
• How can AI be used to recognise complex fraud patterns and anomalies in customer behaviour?
• From reactive to proactive: how can AI analytics empower real-time detection and response?
• Understanding the challenges of implementation: what are the technical hurdles to overcome?
• Avoiding blackboxes: how can banks ensure explainability and justifiability of decisions?
• Complementing not replacing: how can banks effectively include AI alongside traditional tools?

Simone Poon

Head Group AML Policy & Standards

Standard Chartered Bank

Dave Laramy

Senior Vice President, Head of 1st Line Fraud Management, ABC & Tax Evasion

Danske Bank

Nadine Kari

Director AFC & Group Money Laundering Reporting Office

N26

Payments stage - Payment infrastructure

11.15 - 11.30

Keynote address

RIX-INST: the competitive impact of instant rails

Christina Wejshammar

Head of Payments Department

Sveriges Riksbank

11.30 - 11.50

Advisory

TBC

11.50 - 12.35

Panel discussion

Towards cross-border harmonisation

• Payments post-P27: what avenues are open to harmonising Nordic payment infrastructure?
• Cross-currency payments: what are the challenges to overcome with multi-currency clearing?
• SEPA Inst, RIX-INST, NPC Instant Credit Transfer: how are instant payments driving harmonisation?
• TIPS and T2: how far are Nordic central bank migrations set to simplify settlements?
• ISO 20022: how can enriched data be leveraged to simplify cross border payments?
• Pan-European payments: how can interoperability between national payment schemes be improved?
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?
• Connecting faster payments globally: what are the challenges to enabling interoperability?

Camilla Åkerman

Secretary General

Nordic Payments Council

Jenny Winther

Head of Payment Schemes

Handelsbanken

Dan Axelsson

Expert Business Developer

Nordea

12.25 - 13.00

Panel discussion

The future of A2A payment rails in the Nordics

• Taking stock on A2A adoption: what market trends are we seeing and what explains the A2A boom?
• Grasping the A2A advantages: from lower costs to reduced errors and better conversion rates
• PSD3 and instant payments: to what extent will new legislation accelerate A2A adoption?
• The EPI’s wero and BigTech wallets: to what extent will new digital wallets boost A2A growth?
• The SPAA scheme: do the commercial advantages of the A2A scheme outweigh the costs?
• Dynamic recurring payments and subscription payments: where do A2A payments have the edge?
• The benefits of A2A and Request-to-Pay: from simplifying payouts to efficient cash management
• Cracking ecommerce and bringing A2A in-store: what are the hurdles still to overcome?
• Enhancing payment protection: what more needs to be done to foster security and trust?

Antti Karhu

Senior Vice President, Payment Services

OP Financial Group

Gijs Boudewijn

Chair Elect

European Payments Council

Canan Arabacioglu

Head of Payment Acceptance for Northern EU

Amazon

Startup City - Founders’ forum

11.15 - 11.30

Keynote address

Identifying potential: what to look for in a winning start-up

Victor Alexiev

Head of Partnerships

Citi

11.30 - 11.50

Keynote address

Scaling climate FinTechs: the emerging growth market

Jeremy Brown

Head of Climate Strategies & Investments

Anthemis

11.50 - 12.10

Advisory

TBC

12.10 - 12.35

Fireside chat

Investors and start-up partnerships: the pain points and pitfalls

• What are the key criteria VCs and investors look for when identifying a suitable start-up to invest in?
• What are founders looking for from their partners? What key factors should they consider?
• What are the key causes of strategy misalignment, and how can start-ups ensure better synergy?
• How can partnership agreements be structured to establish clear roles, risk and revenue sharing?
• Fostering effective partnerships: what can be learnt from successes and past mistakes?

George Groshkov

Co-Founder & Chief Strategy Officer

Mint Ventures XYZ

Monika Liikamaa

Co-Chief Executive Officer and Co-Founder

Enfuce

Roger Berger

Head of FinTech

BNP Paribas

12.35 - 13.05

Panel discussion

Founders’ journeys and Q&A

• The start-up vision: how did you decide on the market proposition and what inspired the idea?
• Funding journeys: what steps did you take to secure funding from seed stage and beyond?
• Investor partnership strategy: how did you select the right investors for your business goals?
• Challenges of scaling: how did you overcome the obstacles on the way to sustainable growth?
• Talent and teams: how should start-ups build a strong culture to attract and retain talent?
• Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind?

Kaido Saar

Founder & Chief Executive Officer

Mifundo

Nitika Vyas

Co-Founder

Aila Money

Customer stage - Digital identity and KYC

14.15 - 14.30

Keynote address

The EU Digital identity wallet: transforming payment authentication

David Magård

Senior Advisory/Strategy, Coordinator

WE BUILD Consortium

14.30 - 14.50

Advisory

TBC

14.50 - 15.25

Panel discussion

Unlocking value with next-gen authentication and verification

• eiDAS 2.0 and the EUDIW: what approaches are Nordic governments taking to the future eIDs?
• From payment authentication to onboarding: how can banks unlock new value from EUDIWs?
• Becoming an eID wallet issuer: to what extent is this is a viable model for banks?
• Bank-verified digital identity: which players are leading the way and what can be learnt to date?
• From Belgium’s itsme to Estonia’s Smart-ID: how are eIDs taking off outside the Nordics?
• Nordic expansion: are Nordic ID providers set to expand outside their domestic markets?
• Towards cross-border digital identity: what are the hurdles and how can they be overcome?
• From ease of integration to interoperability: where can client and end-user experience be enhanced?
• Digital ID and deepfakes: how can innovative digital identity solutions counter the rising threat?

Mattias Rohmée

Head of Strategy

Bank ID

15.25 - 15.45

Fireside chat

Customer onboarding and KYC: going above and beyond compliance

• How can banks transform KYC from a compliance necessity to a commercial differentiator?
• Balancing onboarding ease with KYC compliance: how can banks achieve the best of both worlds?
• From data collection to verification: where can routine onboarding tasks be automated?
• Digital ID, e-signatures, OCR technology: what tools can best help streamline KYC processes?
• The EUDIW: to what extent will this be a game-changer for identify verification and onboarding?

Sadeque Ahmed

Executive Director, Product Management

JP Morgan Chase & Co.

Fraud & security stage - Resilience and security

14.15 - 14.30

Keynote address

DDOS attacks: the rising cyber threat

Duong Anders Le

Chief Information Security Officer, First Vice President

Jyske Bank

14.30 - 14.50

Fireside chat

AI and cyber resilience: a doubled edged sword

• From automated attacks to real-time adaption: how is AI-driven ransomware posing new threats?
• AI-powered phishing and social engineering: how is AI enhancing the sophistication of attacks?
• AI for cyber-resilience: how can AI and analytics empower rapid threat detection and response?
• From adequate governance to technical hurdles: what are challenges in leveraging AI effectively?

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

14.50 - 15.10

Advisory

TBC

15.10 - 15.45

Panel discussion

Digital operational resilience: navigating the emerging risks

• From DDoS to SQL injection: how can banks keep pace with the growing complexity of cyber-attacks?
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?
• Setting impact tolerances: how should banks assess the level of impact business activities can absorb?
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?
• Managing third-party failure: how should banks assess and plan for external vulnerabilities?
• Ensuring ongoing compliance with DORA: what are the key lessons learnt for best practices?
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?
• From climate to geopolitics: how can banks adapt risk management practices to systemic change?

Davide Stroppa

Senior Bank Expert

European Banking Authority

Payments stage - Consumer payments and wallets

14.15 - 14.40

Fireside chat

Reimagining recurring payments and subscriptions

• From increased visibility to control: what are the key customer pain points in recurring payments?
• Grasping the benefit: how can recurring payments solutions add value beyond direct debits?
• Seamless subscription management: where can banks simplify the process for customers?
• Reducing cost and enhance ease for business: how can recurring payments add value for clients?

Kilian Thalhammer

Managing Director, Head of Merchant Solutions

Deutsche Bank

Bjorn Bryngelson

Commercial Director, Head of Nordics

Klarna

14.40 - 15.00

Advisory

TBC

15.00 - 15.35

Panel discussion

The next evolution of the wallet market

• The state of the market: what explains the variation in wallet adoption rates across Europe?
• Competing with BigTech: how are Nordic wallet pioneers keeping ahead in the race?
• The opening of Apple NFC and faceID: how far has this unlocked competition in the wallet sector?
• Enabling cross-border payments: how are wallets simplifying P2P transfers across borders?
• From BNPL to loyalty schemes: how can digital wallets add value at the point of payment?
• Tapping the value of A2A payments: where can wallets seize the commercial opportunities?
• From new customer segments to data insights: how can wallets add new value for merchants?
• From integration to cost: what pain points still need to be overcome to boost acceptance?
• The EPI wero: will “one wallet for Europe” be the future of the payment wallet landscape?

Baard Slaattelid

Director Strategic Payment Partnerships

Vipps MobilePay

Anurag Chitlangia

Senior Product Manager

Uber

Daria Zaitseva

Head of Online Business Alipay+ in Europe

Alipay

Startup City - FinTech pitches

14.25 - 14.35

Pitch 1

14.35 - 14.45

Pitch 2

14.45 - 14.55

Pitch 3

14.55 - 15.00

Pitch 4

15.05 - 15.15

Pitch 5

Marius Jurgilas

Founder & Chief Executive Officer

Axiology

15.15 - 15.25

Pitch 6

15.25 - 15.45

Audience voting

Session Four | Stage 1 | Core banking transformation in the age of AI

16.15 - 16.20

Chair’s opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

16.20 - 16.35

Keynote address

The CEO suite: between AI and humanity

Rūta Ežerskiene

Chief Executive Officer

Citadele banka

16.35 - 16.55

Fireside chat

Forward ‘28: the Danske bank transformation journey

• The Forward ’28 vision: why is transformation essential to serving customers better in an increasingly digital world?
• Boosting developer productivity and time to market: how will transformation speed up the development of innovative solutions?
• From conversational interfaces to personalised recommendations: how will Forward ‘28 unlock next-gen customer services?
• Unpacking the importance of cloud: how can cloud simplify the implementation of innovative AI and data-driven services?

Claus Harder

Head of Group Strategic Steering/Member of Group Commercial Leadership Team

Danske Bank

16.55 - 17.15

Advisory

TBC

17.15 - 17.45

Panel discussion

Readying for an AI revolution: laying the foundations for success

• Building the capabilities: what are the essential prerequisites for banks seeking to develop AI-powered services?
• From customer-facing solutions to employee empowerment: what are the key lessons learnt from early implementations?
• Assessing the data foundations: how can banks determine the data maturity requirements for their AI goals?
• From structuring data to data integration: what steps should banks take to build the data backbone required?
• Enhancing governance and risk management frameworks: how do bank policies and practices needed to adapt?
• Navigating the complexities of system integration: how can banks ensure legacy architecture is up to the task?
• Ensuring model transparency, explainability and avoiding bias: how can banks effectively anticipate regulators’ concerns?
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?

Mattias Fras

Group Head of AI Hub

Nordea

Mart Roosimägi

Head of Transformation and Innovation - Baltic Banking Corporate Financing

Swedbank

Session Five | Stage 1 | Evolving the banking proposition

09.30 - 09.35

Chair’s opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.35 - 09.50

Keynote address

TBC

Jakob Aarup Petersen

Group Executive Vice President

Sydbank

09.50 - 10.10

Fireside chat

The next evolution of BaaS business models

• The BaaS boom: what key market trends are driving the growth in demand for banking-as-a-service?
• From white-labelled products to a full bank-in-a-box: what can be learnt from the range of services on the market to date?
• Identifying a BaaS market niche: how can banks differentiate and determine where their competitive advantage lies?
• From FinTech challengers to retailers: how can banks identify their target market and successfully cater to different client needs?
• From quality APIs to compliance: what are the key prerequisites to ensuring ease of integration for clients?

Camilla Frøsing

Head of Sales, Moonrise

Lunar

10.10 - 10.30

Advisory

Turning the bank into a truly data-driven business

10.30 - 11.00

Panel discussion

Challenger bank growth: reimagining propositions and business models

• The rise of the neo-bank: how have digital challengers successfully shaken up the market dominance of incumbents?
• Sustainable business models: what explains the commercial success of leading neo-banks amid a sea of failed FinTech unicorns?
• From identifying market niches to full-service banking: how have challengers assessed the right path to sustainable growth?
• From payments and currency exchange to SME lending: which market niches have proved most lucrative for neo-banks and why?
• Redefining the banking proposition: how have challengers successfully identified new opportunities for product innovation?
• Budgeting tools and spending insights: how successful have personal financial management innovations been and why?
• Seamless UX and mobile apps: to what extent can digital experience remain a competitive advantage amidst incumbent catch up?
• From premium subscriptions to loyalty and rewards: to what extent have new revenue models contributed to challengers’ success?

Julie Chatterjee

Group Chief Executive Officer

Northmill Bank

Emil Sunvisson

Chief Executive Officer

Qred

Robert Leinders-Krog

Chief Commercial Officer

Instabank

Open data & lending stage - FIDA: the open data opportunities

11.45 - 12.05

Keynote address

FIDA: the strategic implications

12.05 - 12.35

Panel discussion

FIDA: investing in the technological requirements

• From API interfaces to permission platforms: what new services will banks have to provide and how?
• Data sharing in practice: what will be required to ensure accessibility and standardisation of data?
• Data security and compliance: what expectations will financial information service providers face?
• Monetising investments: how can banks recoup the costs and benefit as an open data first mover?

Christoph Berentzen

Head of API & Open Banking & DLT Initiatives

Commerzbank

Joris Hensen

Founder and Co-Lead, Deutsche Bank API Program

Deutsche Bank

12.35 - 12.55

Advisory

TBC

12.55 - 13.15

Fireside chat

Leveraging open data for customers: from PFM to loyalty and rewards

• Next-gen customer insights: what new commercial opportunities could open transaction data unlock?
• Streamlining authentication: how can open banking data enhance the ease of customer journeys?
• From budgeting insights to automating saving: how can banks harness open data to improve PFM?
• Enabling comprehensive subscription management: how can open banking pave the way?
• Transforming loyalty programmes: how can banks leverage open data to tailor offers and rewards?
• Towards open finance: how will FIDA unlock new revenue across pensions, insurance and wealth?
• From pension dashboards to marketplaces: what new revenue models could banks look to explore?
• In what timeframe will open finance become profitable? And how should banks invest now?

Ragnar Toomla

Chief Product Owner, Digital Channels

SEB

Einar Eidsson

Head of Product

indó

Emerging tech stage - AI-powered operations

11.45 - 12.05

Case study

Agentic AI: automating core operations

Ingrid Puiggne Robles

Head of AI Centre of Excellence

DNB

12.05 - 12.25

Fireside chat

Harnessing GenAI for coding and software development

• Developer productivity: how can gen AI-powered script generation accelerate time to market?
• How far can gen AI develop accurate and reliable code? And how should banks manage the risks?
• AI-powered code healing: how can AI be leveraged to detect and fix code issues?
• What are the technical challenges in integrating AI into existing coding and DevOps workflows?

Niko Mikkola

Chief Technology Officer

S-Pankki

12.25 - 12.45

Advisory

TBC

12.45 - 13.15

Panel discussion

Unpacking the potential of AI in operations

• Demystifying agentic AI: how is it different and where do its unique advantages lie?
• From customer support to counter fraud: what can be learnt from agentic AI implementations to date?
• Identifying opportunities for process improvements: which areas are most ripe for AI-driven automation?
• Predictive analytics and data integration: where can AI-powered analysis allow banks to act proactively?
• How can AI simplify risk and compliance? From regulatory reporting to model risk management
• Where is maintaining human oversight necessary? And how can banks manage the risks?
• Human-centric transformation: how can AI be used to empower not replace the human workforce?
• What are the technical hurdles to implementing AI within existing workflows and processes?

John Skov

Head of AI & Change

Nordea

Osmo Timonen

Head of Regulatory Data

Aktia Bank

Ashish Shekhar

Senior Vice President, Global Head of Technology Platforms

Danske Bank

Business banking stage - Business banking innovation

11.45 - 12.05

Keynote address

Digital SME banking: unlocking the potential

Michael Hurup Andersen

Founder & Chief Executive Officer

Kompasbank

12.05 - 12.25

Fireside chat

Enhancing cash management for corporates

• From instant payments to diversity of payment methods: what key challenges do treasurers face?
• Visibility and certainty: how can real-time cash flow visibility and accurate forecasting be achieved?
• ERP integrations: how can banks ease the integration of treasury with ERP systems?
• Automating payment workflows: where can API’s streamline corporate treasury management?

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

Christie Holm Kristensen

Partnerships Manager for Open Banking Premium & ERP Integration

Danske Bank

12.25 - 12.45

Advisory

TBC

12.45 - 13.15

Panel discussion

Optimising SME lending: application, decisioning and beyond

• Assessing the market challenges: what are the biggest pain points for SMEs in accessing finance?
• From default risk to lack of quality data: what are the challenges to making SME lending profitable?
• Transactions, ERP and cash flow data: how can banks leverage new data sources effectively?
• Streamlining loan applications and onboarding: what can be learnt from innovative digital players?
• Automation: how can lenders streamline approvals with smart automation and effective controls?
• From origination to loan servicing: how can client support be enhanced across the credit lifecycle?
• Personalisation: how can banks build a customised suite of products that match SME requirements?
• Banks vs. non-bank lenders: are banks still best placed competitively to serve SME financing needs?

Rune Nørregaard

Chief Operating Officer and Executive Director

Kompasbank

Ollie Anteroinen

Vice President, Head of SME Digital, Business Banking

Nordea

Mantvydas Štareika

Chief Executive Officer

CapitalBox

Workshop - Fraud workshop

11.45 - 12.05

Keynote address

The role of customer education and nudges in the fight against fraud

12.05 - 13.15

Group discussion

Open data & lending stage - Lending strategies

14.30 - 14.50

Keynote address

The competitive outlook for the mortgage market

Helge Pedersen

Group Chief Economist

Nordea

14.50 - 15.10

Fireside chat

Next-gen credit scoring: leveraging open data

• Why open data? What are the limitations of traditional data sources for credit risk assessments?
• From cash flow to ERP data: what new and richer data sources could open banking unlock?
• Data clarity: how can AI-driven analytics enhance lender’s understanding of SME financial health?
• Towards real-time analysis: how can advanced analytics and open data drive faster and more accurate decisioning?
• Data-driven personalisation: how can open data enable lenders to deliver more contextual and tailored offers?

Juris Rieksts-Riekstiņš

Chief Credit Officer

Bondora

15.10 - 15.30

Advisory

15.30 - 16.00

Panel discussion

Enhancing efficiencies across the lending lifecycle

• From origination to collections: how can banks identify the low-hanging fruit for operational transformation?
• Optimising pricing models: what tools can lenders use to set dynamic and competitive prices?
• From e-signatures to RPA: what tools can lenders leverage to streamline the loan application process?
• From alternative data sources to AI: how can lenders increase the accuracy of credit scoring and risk models?
• Speeding up decisioning without compromising on risk: how can lenders achieve the best of both worlds?
• Loan servicing and collections: where can lenders drive efficiencies without compromising customer experience?
• Proactive pre-delinquency management: how can lenders more reliably identify the warning signs?
• Towards end-to-end automation: how far can consumer lending automation go?

Emerging tech stage - CBDCs and tokenised deposits

14.30 - 14.50

Keynote address

The Digital Euro: concluding the preparation phase

14.50 - 15.10

Keynote address

Project Rialto: harmonising x-border payments with wholesale CBDC

Andras Valko

Deputy Head, BIS Innovation Hub Eurosystem Centre

BIS

15.10 - 15.30

Advisory

TBC

15.30 - 16.00

Panel discussion

The strategic implications of digital currencies and tokenised deposits

• From Digital Euro progression to US retreat: what can be learnt from differing trends on the global development of CBDCs?
• The Digital Euro: the key to reducing reliance on international BigTech and card schemes or a solution in search of a problem?
• Pan-European payments: are retail CBDCs the key to a pan-European alternative to cards in the face of P27 failure?
• The CBDC threat to bank deposits: how serious are the risks of disintermediation for banks? And can they be avoided?
• Tokenised deposits: to what extent could tokenisation define the next evolution of bank assets amidst the rise of CBDCs?
• Tokenised deposits vs. stablecoins: how do they differ and what are the key advantages of deposit tokens over stablecoins for banks?
• Liquidity and settlement: how could tokenisation enhance liquidity and unlock value via cheaper and faster payments and settlement?
• Smart contracts and programmability: how could deposit tokens add new value through automated, conditional transactions?
• Private and public sector collaboration: what more could be done to ensure the benefits of digital currencies are realised for all?

Joachim Schwerin

Principal Economist

European Commission

Aleksi Grym

Head of FinTech

Bank of Finland

Aleksi Grym is Head of the Fintech division at the Bank of Finland. His team is responsible for policy work, analysis and projects covering financial technology, new payment systems and digital currencies. He is a member of the ECB’s digital euro project steering group.

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Select a stage

Session One | Stage 1 | The future of Nordic banking

09.00 - 09.05

Chair’s opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.20

Keynote address

A new strategic paradigm: the evolution of the Nordic market structure

09.20 - 09.40

Advisory

TBC

09.40 - 10.00

Interview

Revolut’s rise: charting the success of a digital banking giant

10.00 - 10.30

Leaders' Forum

Redefining commercial strategies for a changing market

Sverre Hana

Chief Executive Officer and Head of Banking, Nordics

Standard Chartered

Jón Guðni Ómarsson

Chief Executive Officer

Íslandsbanki

Magnus Fredin

Chief Executive Officer

Resurs Bank

Rūta Ežerskiene

Chief Executive Officer

Citadele banka

Customer stage - CX and engagement

11.15 - 11.30

Keynote address

From mass to me: the power of hyper-personalization

Edward Rebane

Chief Retail Commercial Officer & Member of Management Board

Citadele banka

11.30 - 11.50

Fireside chat

Agentic AI: a revolution in customer self-service?

Sofie Holm

Head of GenAI Lab

Danske Bank

11.50 - 12.10

Advisory

TBC

12.10 - 12.30

Fireside chat

Delivering personalised data-driven services: the key considerations

Aidas Malakauskas

Head of Omnichannel Solutions

Swedbank

12.30 - 13.00

Panel discussion

Making life easier for customers and SME clients

Søren Rode Andreasen

Head of Digital Customer Engagement

Nordea

Thorsten Seeger

Executive Director

SME Bank

Philip Haglund

CEO and Founder

Gimi

Gimi – a gamified educational mobile banking app for families, delivered to banks using open banking.

Fraud & security stage - Fraud and financial crime

11.15 - 11.30

Keynote address

The fight against financial crime: lessons from the AML task force

Lars Gert Lose

Chief Executive Officer

Finans Danmark

11.30 - 11.50

Fireside chat

Taking the fight to APP fraud: best practices and strategies

Irene van der Laan

Head of FEC Fraud & Mid Office CDD

Rabobank

11.50 - 12.10

Advisory

TBC

Rob Woods

Director, Fraud, Identity, Authentication and Biometrics

LexisNexis Risk Solutions

12.10 - 12.30

Fireside chat

Instant payments fraud: rising to the challenge

Aleena Annie

AI Product Lead

Lloyds Banking Group

Fredrik Tallqvist

Regional Representative, Finland and the Baltic

EBA CLEARING

12.30 - 13.00

Panel discussion

AI in counter fraud and AML: the threat and the potential

Simone Poon

Head Group AML Policy & Standards

Standard Chartered Bank

Dave Laramy

Senior Vice President, Head of 1st Line Fraud Management, ABC & Tax Evasion

Danske Bank

Nadine Kari

Director AFC & Group Money Laundering Reporting Office

N26

Payments stage - Payment infrastructure

11.15 - 11.30

Keynote address

RIX-INST: the competitive impact of instant rails

Christina Wejshammar

Head of Payments Department

Sveriges Riksbank

11.30 - 11.50

Advisory

TBC

11.50 - 12.35

Panel discussion

Towards cross-border harmonisation

Camilla Åkerman

Secretary General

Nordic Payments Council

Jenny Winther

Head of Payment Schemes

Handelsbanken

Dan Axelsson

Expert Business Developer

Nordea

12.25 - 13.00

Panel discussion

The future of A2A payment rails in the Nordics

Antti Karhu

Senior Vice President, Payment Services

OP Financial Group

Gijs Boudewijn

Chair Elect

European Payments Council

Canan Arabacioglu

Head of Payment Acceptance for Northern EU

Amazon

Startup City - Founders’ forum

11.15 - 11.30

Keynote address

Identifying potential: what to look for in a winning start-up

Victor Alexiev

Head of Partnerships

Citi

11.30 - 11.50

Keynote address

Scaling climate FinTechs: the emerging growth market

Jeremy Brown

Head of Climate Strategies & Investments

Anthemis

11.50 - 12.10

Advisory

TBC

12.10 - 12.35

Fireside chat

Investors and start-up partnerships: the pain points and pitfalls

George Groshkov

Co-Founder & Chief Strategy Officer

Mint Ventures XYZ

Monika Liikamaa

Co-Chief Executive Officer and Co-Founder

Enfuce

Roger Berger

Head of FinTech

BNP Paribas

12.35 - 13.05

Panel discussion

Founders’ journeys and Q&A

Kaido Saar

Founder & Chief Executive Officer

Mifundo

Nitika Vyas

Co-Founder

Aila Money

Customer stage - Digital identity and KYC

14.15 - 14.30

Keynote address

The EU Digital identity wallet: transforming payment authentication

David Magård

Senior Advisory/Strategy, Coordinator

WE BUILD Consortium

14.30 - 14.50

Advisory

TBC

14.50 - 15.25

Panel discussion

Unlocking value with next-gen authentication and verification

Mattias Rohmée

Head of Strategy

Bank ID

15.25 - 15.45

Fireside chat

Customer onboarding and KYC: going above and beyond compliance

Sadeque Ahmed

Executive Director, Product Management

JP Morgan Chase & Co.

Fraud & security stage - Resilience and security

14.15 - 14.30

Keynote address

DDOS attacks: the rising cyber threat

Duong Anders Le

Chief Information Security Officer, First Vice President

Jyske Bank

14.30 - 14.50

Fireside chat

AI and cyber resilience: a doubled edged sword

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

14.50 - 15.10

Advisory

TBC

15.10 - 15.45

Panel discussion

Digital operational resilience: navigating the emerging risks

Davide Stroppa

Senior Bank Expert

European Banking Authority

Payments stage - Consumer payments and wallets

14.15 - 14.40

Fireside chat

Reimagining recurring payments and subscriptions

Kilian Thalhammer

Managing Director, Head of Merchant Solutions

Deutsche Bank

Bjorn Bryngelson

Commercial Director, Head of Nordics

Klarna

14.40 - 15.00

Advisory

TBC

15.00 - 15.35

Panel discussion

The next evolution of the wallet market

Baard Slaattelid

Director Strategic Payment Partnerships

Vipps MobilePay

Anurag Chitlangia

Senior Product Manager

Uber

Daria Zaitseva

Head of Online Business Alipay+ in Europe

Alipay

Startup City - FinTech pitches

14.25 - 14.35

Pitch 1

14.35 - 14.45

Pitch 2

14.45 - 14.55

Pitch 3

14.55 - 15.00

Pitch 4

15.05 - 15.15

Pitch 5

Marius Jurgilas

Founder & Chief Executive Officer

Axiology

15.15 - 15.25

Pitch 6

15.25 - 15.45

Audience voting

Session Four | Stage 1 | Core banking transformation in the age of AI

16.15 - 16.20

Chair’s opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

16.20 - 16.35

Keynote address

The CEO suite: between AI and humanity

Rūta Ežerskiene

Chief Executive Officer

Citadele banka

16.35 - 16.55

Fireside chat

Forward ‘28: the Danske bank transformation journey

Claus Harder

Head of Group Strategic Steering/Member of Group Commercial Leadership Team

Danske Bank

16.55 - 17.15

Advisory

TBC

17.15 - 17.45

Panel discussion

Readying for an AI revolution: laying the foundations for success

Mattias Fras

Group Head of AI Hub

Nordea

Mart Roosimägi

Head of Transformation and Innovation - Baltic Banking Corporate Financing

Swedbank

Select a stage

Session Five | Stage 1 | Evolving the banking proposition

09.30 - 09.35

Chair’s opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.35 - 09.50

Keynote address

TBC

Jakob Aarup Petersen

Group Executive Vice President

Sydbank

09.50 - 10.10

Fireside chat

The next evolution of BaaS business models

Camilla Frøsing

Head of Sales, Moonrise

Lunar

10.10 - 10.30

Advisory

Turning the bank into a truly data-driven business

10.30 - 11.00

Panel discussion

Challenger bank growth: reimagining propositions and business models

Julie Chatterjee

Group Chief Executive Officer

Northmill Bank

Emil Sunvisson

Chief Executive Officer

Qred

Robert Leinders-Krog

Chief Commercial Officer

Instabank

Open data & lending stage - FIDA: the open data opportunities

11.45 - 12.05

Keynote address

FIDA: the strategic implications

12.05 - 12.35

Panel discussion

FIDA: investing in the technological requirements

Christoph Berentzen

Head of API & Open Banking & DLT Initiatives

Commerzbank

Joris Hensen

Founder and Co-Lead, Deutsche Bank API Program

Deutsche Bank

12.35 - 12.55

Advisory

TBC

12.55 - 13.15

Fireside chat

Leveraging open data for customers: from PFM to loyalty and rewards

Ragnar Toomla

Chief Product Owner, Digital Channels

SEB

Einar Eidsson

Head of Product

indó

Emerging tech stage - AI-powered operations

11.45 - 12.05

Case study

Agentic AI: automating core operations

Ingrid Puiggne Robles

Head of AI Centre of Excellence

DNB

12.05 - 12.25

Fireside chat

Harnessing GenAI for coding and software development

Niko Mikkola

Chief Technology Officer

S-Pankki

12.25 - 12.45

Advisory

TBC

12.45 - 13.15

Panel discussion

Unpacking the potential of AI in operations

John Skov

Head of AI & Change

Nordea

Osmo Timonen

Head of Regulatory Data

Aktia Bank

Ashish Shekhar

Senior Vice President, Global Head of Technology Platforms

Danske Bank

Business banking stage - Business banking innovation

11.45 - 12.05

Keynote address

Digital SME banking: unlocking the potential

Michael Hurup Andersen

Founder & Chief Executive Officer

Kompasbank

12.05 - 12.25

Fireside chat

Enhancing cash management for corporates

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

Christie Holm Kristensen

Partnerships Manager for Open Banking Premium & ERP Integration

Danske Bank

12.25 - 12.45

Advisory

TBC

12.45 - 13.15

Panel discussion

Optimising SME lending: application, decisioning and beyond

Rune Nørregaard

Chief Operating Officer and Executive Director

Kompasbank

Ollie Anteroinen

Vice President, Head of SME Digital, Business Banking

Nordea

Mantvydas Štareika

Chief Executive Officer

CapitalBox

Workshop - Fraud workshop

11.45 - 12.05

Keynote address

The role of customer education and nudges in the fight against fraud

12.05 - 13.15

Group discussion

Open data & lending stage - Lending strategies

14.30 - 14.50

Keynote address

The competitive outlook for the mortgage market

Helge Pedersen

Group Chief Economist

Nordea

14.50 - 15.10

Fireside chat

Next-gen credit scoring: leveraging open data

Juris Rieksts-Riekstiņš

Chief Credit Officer

Bondora

15.10 - 15.30

Advisory

15.30 - 16.00

Panel discussion

Enhancing efficiencies across the lending lifecycle

Emerging tech stage - CBDCs and tokenised deposits

14.30 - 14.50

Keynote address

The Digital Euro: concluding the preparation phase

14.50 - 15.10

Keynote address

Project Rialto: harmonising x-border payments with wholesale CBDC

Andras Valko

Deputy Head, BIS Innovation Hub Eurosystem Centre

BIS

15.10 - 15.30

Advisory

TBC

15.30 - 16.00

Panel discussion

The strategic implications of digital currencies and tokenised deposits

Joachim Schwerin

Principal Economist

European Commission

Aleksi Grym

Head of FinTech

Bank of Finland

Aleksi Grym is Head of the Fintech division at the Bank of Finland. His team is responsible for policy work, analysis and projects covering financial technology, new payment systems and digital currencies. He is a member of the ECB’s digital euro project steering group.

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Day 1
____

STAGE 1

The future of Nordic banking

CEO keynotes

Leaders’ forum: Redefining commercial strategies for a changing market

CUSTOMER STAGE

CX and engagement

Agentic AI: a revolution in customer self-service?

Delivering personalised data-driven services

Reimagining the banking proposition: making life easier for customers

FRAUD & SECURITY STAGE

Fraud and financial crime

Finans Danmark keynote

Taking the fight to APP fraud

Instant payments fraud

AI in counter fraud and AML

PAYMENTS STAGE

Payment infrastructure

RIX-INST: the competitive impact of instant rails

Cross-border harmonisation

A2A payment rails

STARTUP CITY

Founders' forum

What to look for in a winning start-up

Investor and start-up partnerships

Founders’ journeys and Q&A

CUSTOMER STAGE

Digital identity and KYC

The EU Digital identity wallet

Next-gen authentication and verification

Customer onboarding and KYC

FRAUD & SECURITY STAGE

Resilience and security

DDOS attacks: the rising cyber threat

AI and cyber resilience

Digital operational resilience

PAYMENTS STAGE

Consumer payments and wallets

Recurring payments and subscriptions

The next evolution of the wallet market

STARTUP CITY

FinTech pitches

FinTech Pitches

Audience voting and awards

STAGE 1

Core banking transformation in the age of AI

AI-powered core transformation

The Danske Bank transformation journey

The AI revolution

The Official After Party

Day 2
____

STAGE 1

Evolving the banking proposition

Meeting the banking needs of each generation

BaaS business models

Challenger bank growth

OPEN DATA & LENDING STAGE

FIDA: the open data opportunities

FIDA: the strategic implications

The technological requirements of open finance

Leveraging open data for customers

EMERGING TECH STAGE

AI-powered operations

Agentic AI: automating core operations

Coding and software development

AI in operations

BUSINESS BANKING STAGE

Business banking innovation

Digital SME banking

Cash management for corporates

Optimising SME lending

WORKSHOP

Fraud workshop

Customer education and nudges in the fight against fraud

OPEN DATA & LENDING STAGE

Lending strategies

Outlook for the mortgage market

Next-gen credit scoring: leveraging open data

Efficiencies across the lending lifecycle

EMERGING TECH STAGE