2026 Agenda

Take a look at the hot topics at 2026's Nordic banking conference.

Session One: Navigating uncertainty through Nordic innovation

08.55 - 09.00

Chair's opening remarks

Sara Sjølin

Copenhagen Bureau Chief

Bloomberg News

09.00 - 09.20

Keynote address

Sustaining tomorrow: building a secure future for the Nordics

Tomas Hedberg

Deputy President and Deputy Chief Executive Officer

Swedbank

09.20 - 09.40

Keynote address

The new growth engines for the Nordic market

Sven Eggefalk

Head of Business & Retail Banking

SEB

09.40 - 10.00

Advisory

Berthold Barodte

Senior Vice President - Security Solutions Europe

Mastercard

10.00 - 10.20

Keynote address

10.20 - 10.50

Leaders' Forum

A new paradigm: re-defining bank strategies for a changing world

How are Nordic banks innovating to attract and retain customers amid rising deposit competition?
Navigating demographic change: how can Nordic banks adapt to changing societal needs?
From SMEs to wealth: how can Nordic banks drive growth in new segments?
Diversification vs. specialisation: how should Nordic banks evaluate the trade-offs today?
Nordic resilience and digital sovereignty: how can banks navigate a new risk landscape?
The new challengers: where will the threats to bank business models come in the next decade?

Mark Luscombe

Chief Executive Officer

AL Sydbank

Stage 1 - Customer acquisition and engagement in the age of AI

11.35 - 13.05

Moderated by:

Sara Sjølin

Copenhagen Bureau Chief

Bloomberg News

11.35 - 11.55

Keynote address

Building trust in AI-powered customer engagement

Päivi Svens

Chief Brand Officer

OP Pohjola

11.55 - 12.15

Advisory

Joaquin Dimas

Senior CX Consultant

msg for banking

12.15 - 12.35

Fireside chat

Rethinking customer acquisition in the era of AI

Explore how banks should prepare for the disruptive impact of agentic commerce and AI-driven searches
Discover how banks can leverage AI to improve conversion rates and drive down customer acquisition costs
Unpack key AI use cases from enhanced intent analysis and channel optimisation to adaptive content creation

Malthe Falck

Head of Group Digital

Nordea

Shan Lodh

Head of AI

Hyperlayer

12.35 - 13.05

Panel discussion

Building the next generation of conversational AI agents

Get up to speed on the most sophisticated conversational and agentic AI capabilities in use today
Understand how banks can use AI agents to deliver more intelligent and intuitive self-service offerings
Unpack how AI agents can reduce burdens on support teams without compromising on customer experience
Examine the practical challenges in implementing AI agents from model development and testing to deployment

Karoliina Kettukari

AI Director

OP Pohjola

Aidas Malakauskas

Head of Interaction Solutions

Swedbank Baltics

Stage 2 - Transforming Nordic payments

11.35 - 13.05

Moderated by:

Camilla Åkerman

Secretary General

Nordic Payments Council

11.35 - 11.55

Keynote address

A new payment scheme for Iceland: building a sovereign and secure payment system

Tómas Brynjólfsson

Deputy Governor for Financial Stability

Central Bank of Iceland

11.55 - 12.15

Advisory

12.15 - 12.35

Fireside chat

Readying for instant payments: VoP and beyond

Reflect on industry adoption of instant payments ahead of the 2027 deadline for non-eurozone countries
Explore how Finans Denmark are rolling out Verification of Payee and the early results from implementation
Unpack how banks can enhance real-time detection and mitigate the fraud risks of instant payments

Mette Sturup

Head of Digitization Policy

Finans Danmark

12.35 - 13.05

Panel discussion

Harmonising cross border payments in the Nordics and beyond

Martin W Johansson

Acting Chief of Staff to the Director General

Swedish Financial Supervisory Authority (Finansinspektionen)

Fredrik Tallqvist

Regional Representative, Nordics and the Baltics

EBA Clearing

Aleksi Grym

Head of Payment Systems Department

Bank of Finland

Stage 3 - Information sharing in counter fraud

11.35 - 13.05

Moderated by:

Sune Gabelgård

Member of the National Crime Prevention Commission

The Danish Parliament

11.35 - 11.55

Keynote address

The role of public-private partnerships in anti-financial crime

Sune Gabelgård

Member of the National Crime Prevention Commission

The Danish Parliament

11.55 - 12.15

Keynote address

Findings from the regulatory sandbox: the legal scope for more effective data sharing

Simen Austrått

Head of Intelligence FC3

DNB

12.15 - 12.35

Advisory

Shared signals, collective action: how Nordic institutions can disrupt connected fraud with global, cross-institutional intelligence

12.35 - 13.05

Panel discussion

Developing information sharing networks: overcoming the practical challenges

Examine the key trends around fraud and cross-border criminal networks that are making information sharing essential
Get to grips with the regulatory, technical and commercial challenges of building effective information sharing networks
Gain key insights from early market pilots and up-and-coming information sharing initiatives to date
Understand how further cooperation can be enabled between governments, banks, payment networks and vendors

Nicolaj Brandt-Møller

Program Manager, Fraud Management

Danske Bank

Morten Draegni

General Manager

Nordic Financial CERT

Marius Styczen

Head of Financial Crime Prevention Norway

SEB

Antti Alestalo

Senior Business Developer, Anti-Financial Crime

OP Pohjola

MoneyLIVE Lounge - MoneyLIVE Meetups

11.35 - 13.05

Lending meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

Stage 1 - The future of European wallets and A2A

14.15 - 15.40

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

14.15 - 14.30

Keynote address

EPI Wero: the next stage of expansion

Ludovic Francesconi

Chief Member and Strategy Officer

EPI Company

14.30 - 14.50

Advisory

14.50 - 15.10

Fireside chat

EuroPA: towards truly interoperable pan-European wallets

The European Payment alliance (EuroPA) seeks to strengthen the interoperability of national payment wallets to create a truly harmonized pan-European payments market. This fireside chat will explore the future trajectory of the European wallet landscape, the aims, progress and next steps for the EuroPA project and the challenges still to overcome in creating a truly integrated wallet ecosystem.

Vegar Heir

Chief Commercial Officer

Vipps MobilePay

Fernando Rodriguez Ferrer

Deputy General Manager for Internationalization

Bizum

15.10 - 15.40

Panel discussion

The end of card dominance? Charting the future of A2A

Examine the key market trends around A2A adoption across ecommerce and instore transactions
Explore how NFC-based Tap-to-Pay wallets are enhancing convenience and driving growth in A2A
Get insights into how leading merchants are weighing up the trade-offs of A2A versus cards
Explore the efforts to overcome key gaps across consumer adoption, protection and dispute mechanisms

Sumit Kumar

Head Of Cards & Wallet Payments Technology

Danske Bank

Dan Axelsson

Expert Business Developer - Payments

Nordea

Patrik Centellini,

Business Owner - Payments

Swish

Stage 2 - Fraud and AML: readying for a new regulatory landscape

14.15 - 15.45

Moderated by:

Humera Yakub

Head of Fraud

Pay.UK

14.15 - 14.35

Keynote address

The AMLR: unpacking the impact for AML teams

14.35 - 14.55

Fireside chat

Building resilience in the digital bank: staying ahead of fraud and financial crime

Explore how digital banks are shifting from risk management to resilience, embedding this thinking into products, technology and customer journeys
Understand how a more resilient approach can help digital banks stay ahead of fraud and financial crime as threats evolve
Examine how customer centricity should shape risk and fraud decisions, balancing fair, frictionless experiences with robust protection
Discover how AI, automation and data can strengthen resilience, enhance fraud protection and help digital banks scale safely

Hanna Sarraf

Chief Risk Officer

Monzo Europe

14.55 - 15.15

Fireside chat

The EU AML regulation: how must KYC practices adapt?

The EU Anti-Money Laundering Regulation (AMLR) presents a new unified framework effective from July 2027, mandating harmonized KYC processes and compliance standards across the EU. This fireside chat will explore how banks must prepare to meet the obligations of the new regulation and update KYC and identity assurance processes to ensure compliance.

Reda Stanytė

Head of AML Regulation Division

Bank of Lithuania

15.15 - 15.45

Panel discussion

PSD3 and the PSR: readying for the new counter fraud obligations

Gain clarity on the key obligations and new compliance requirements that the PSR will pose for fraud and AML teams
Get to grips with key changes regarding SCA requirements, API standards and information sharing
Understand how banks must work to strengthen customer education and address new types of spoofing fraud
Examine how banks must invest to achieve real-time fraud detection and transaction monitoring capabilities

Alexandria Nguyen

Principal Compliance Officer

Danske Bank

Mindaugas Kutkaitis

Fraud Operations Unit Manager

Luminor

Marc Bewernik

Director of Product

Banfico

Stage 3 - New opportunities in the lending landscape

14.15 - 15.45

Moderated by:

Paul Mullins

Managing Director, Global Strategic Initiatives

Formerly HSBC

14.15 - 14.35

Fireside chat

Embedded and contextual lending: meeting customers at the point of need

14.35 - 14.55

Advisory

14.55 - 15.15

Case study

Personalised, flexible lending: putting power in the hands of the customer

Einar Eidsson

Chief Product Officer

indó

15.15 - 15.45

Panel discussion

Digitising the lending journey: taking seamlessness to new heights

Digitising lending journeys is essential to meet customer and client expectations for speed, reduce high operational costs, and defend market share against agile, digital-first FinTechs. This panel discussion will trace the practical steps that banks can take to build faster and fully digital end-to-end journeys, accelerate loan approval times, and enhance the borrower experience.

Sander Aasna

Chief Product Officer

SEB Baltics

Kaspars Lukacovs

Head of Retail Business

Luminor

Alīna Liepiņa-Geiba

Head of Lending Product Development in Baltics

Citadele banka

Adam Busznyak Rydh

Regional Vice President EMEA

nCino

MoneyLIVE Lounge - MoneyLIVE Meetups

14.15 - 15.45

CX Meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE lounge.

Stage 1 - The AI-powered bank

16.15 - 17.45

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

16.15 - 16.35

Keynote address

Agentic workflows: readying for a new wave of intelligent operations

Rolf Njor Jensen

VP of Technology

Lunar

16.35 - 16.55

Keynote address

The EU AI Act: the key implications for banks

Kai Zenner

Head of Office and Digital Policy Adviser

European Parliament

16.55 - 17.15

Advisory

17.15 - 17.45

Panel discussion

Realising the potential of agentic AI in banking

Where are AI agents set to radically transform operations for banks today?
Empowering employees: what training and re-skilling is required for employees to make the most of AI?
The changing structure of the bank workforce: how will roles change and what roles might be eliminated?
Managing a hybrid workforce: how can banks create effective synergy between AI agents and human staff?
Responsible AI: how can banks engineer control into AI agents and embed governance effectively?
The agentic future: how should banks prepare for the growing autonomy of AI agents?

Ganesh Chandrasekar

Head of AI Portfolio Delivery

Nordea

Mart Roosimägi

Head of AI Scaling and Strategy - Baltic Banking

Swedbank

Carl-Edvard Holmberg

Chief Innovation Officer, New Technologies, AI

S-Pankki

Stage 2 - Business banking innovation

14.15 - 17.45

Moderated by:

Paul Mullins

Managing Director, Global Strategic Initiatives

Formerly HSBC

16.15 - 16.35

Keynote address

Premium API innovation: the new revenue opportunities in business banking

Christie Holm Kristensen

Strategic Integrations Partnership Director

Danske Bank

16.35 - 16.55

Advisory

16.55 - 17.15

Fireside chat

Strengthening corporate treasury services: real-time, digital, automated

Unpack how banks are using APIs and AI to improve real-time cash visibility and cashflow forecasting for treasurers
Understand how banks can seamlessly embed services into client’s ERP, TMS and accounting platforms
Explore how banks can leverage new tools to automate reconciliation for clients and eliminate manual tasks
Discover how DLT is creating new opportunities to enhance bank services for corporate treasurers

Floor Meeuwis

Liquidity, (Virtual) Account Management, and Advisory

Société Générale

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

17.15 - 17.45

Panel discussion

Taking SME lending further: smarter, digital, embedded

Nordic SMEs, historically underserved by traditional banks still face a critical financing gap. At the same time the availability of cashflow data and AI are enabling alternative lenders to drive better, faster credit assessments, and offer flexible embedded financing options for SMEs directly at the point of need. This panel will explore how banks can modernise SME lending to remain competitive amidst the rise of alternative lenders and enhance the SME borrower experience while reducing cost-to serve.

Jason Francis

Co-founder

Qred Bank

Kasper Ernerot

Head of Commercial - Lending

Lunar

Thorsen Seeger

Member of the Management Board

SME Bank

MoneyLIVE Lounge - MoneyLIVE Meetups

16.15 - 17.45

Payments meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

Session Five: Driving innovation in Nordic banking

09.05 - 09.10

Chair's opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.10 - 09.30

Keynote address

The Northmill vision: powering expansion through customer-centric innovation

Julie Chatterjee

Group Chief Executive Officer

Northmill Bank

09.30 - 09.50

Keynote address

Dansk Vækstkapital IV: accelerating FinTech innovation

Casper Bruyant Bonde

Chief Executive Officer

Danske Private Equity

09.50 - 10.10

Advisory

10.10 - 10.30

Keynote address

Scaling innovation without compromising trust

Kirsten Renner

Group Chief Information Officer & Head of Group Technology

Nordea

10.30 - 11.00

Panel discussion

Lessons from the global challengers: innovating business models for the next decade

Finding a market niche: how have challengers identified needs underserved by traditional banks?
New markets and new segments: where are challengers placing bets for strategic growth?
Raising the bar on digital customer experience: where are challengers having the most disruptive impact?
Building for the future: how are challengers harnessing the opportunities of emerging technologies?
Creating an innovation-first culture: what lessons can incumbents take away from challenger success?

Joe Wilson

Chief Evangelist

bunq

Hjördís Elsa Ásgeirsdóttir

Chief Marketing Officer

indó

Tuomas Autero

Country Manager for Finland

Revolut

Stage 1 - Serving customer needs

11.45 - 13.15

Moderated by:

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

11.45 - 12.05

Case study

Supporting financial wellbeing: how can banks do more for customers?

Pär Ahrling

Head of Institute for Financial Health

Swedbank

12.05 - 12.25

Advisory

Creating inclusive digital banking experiences for all: where can banks go further?

12.25 - 12.45

Fireside chat

Cognitive, intelligent banking: towards pre-emptive customer engagement

AI is opening new possibilities in customer engagement that can deepen relationships, increase retention, and improve life-time value. This fireside chat will explore how banks can move from reactively addressing problems to pre-empting customer needs and the practical steps banks must take to build the capabilities needed to provide more personalized, adaptive support that evolves alongside customers’ needs.

Jacob Hvidberg Falkencrone

Head of AI & Personalized Experience

Saxo Bank

12.45 - 13.15

Panel discussion

Banking for the next generation: doing more for younger customers

Understand why enhancing youth services is essential for banks to remain relevant and improve customer lifetime value today
Explore how banks can play an active role in supporting young people to gain skills in managing money responsibly
Get insights into the latest product innovations and strategic thinking of banks expanding their youth offerings
Take away key lessons for how to strengthen offerings to attract and retain the next generation

Søren Rode Andreasen

Head of Digital Customer Engagement

Nordea

Einar Eidsson

Chief Product Officer

indó

Dia Serazutdinova

Product Lead

N26

Szymon Kopeć

Product Director

Lunar

Stage 2 - Resilience and cybersecurity

11.45 - 13.15

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

11.45 - 12.05

Keynote address

Strengthening resilience through offline payments

Maria Lundström

Head of Division for Preparedness, Internal Control and Operational Support Department

Sveriges Riksbank

12.05 - 12.25

Advisory

12.25 - 12.55

Fireside chat

Navigating digital dependency in a heightened risk landscape

Get to grips with why vendor dependency and concentration risks are heightening in the current digital landscape
Examine how banks can strengthen vendor due diligence strategies and continuous performance reviews
Understand how to prepare robust business continuity, contingency, and exit plans to manage potential disruptions resulting from third-party failures.
Explore best practices to ensure ongoing alignment of risk frameworks to regulatory expectations

Andreas Bergqvist

Chief Security Officer, Financial ID Technology

BankID

Stefán Þór Björnsson

Executive Director and Security Officer

Íslandsbanki

Osmo Timonen

Head of Regulatory Data

Aktia Bank

12.55 - 13.15

Panel discussion

AI in cybersecurity: assessing the new opportunities and threats

As cyber threats evolve with unprecedented speed and sophistication, from DDoS to AI-powered phishing, join us to discuss how the latest AI can revolutionize threat detection and incident response to strengthen bank cyber resilience postures.

Johanna von Rosen

Acting Chief Information Security Officer

Sveriges Riksbank

Stage 3 - Digital identity innovation

11.45 - 13.15

Moderated by:

Martin Gregor Schuricht

Managing Director

Schuricht Executive

11.45 - 12.05

Keynote address

European business wallets: towards simpler digital operations

Daan van den Eshof

Business Developer & Project Manager Digital Identity Wallets

WE BUILD Consortium

12.05 - 12.25

Advisory

12.25 - 12.45

Case study

Combatting deepfake and synthetic identity fraud: the latest innovations

Examine how gen AI in the hands of fraudsters is dramatically increasing the scale and sophistication of attacks
From video to voice cloning, presentation to injection attacks: get to grips with how the challenges of deepfake detection vary across different attack vectors
Deepfake detection: explore how banks are leveraging AI to enhance the accuracy of liveness checks as part of a holistic and multi-layered approach

12.45 - 13.15

Panel discussion

The commercial potential of EUDI: streamlining onboarding, payments and beyond

Explore how banks can harness EUDI to revolutionise onboarding and drastically reduce KYC and fraud costs
Get to grips with how EUDI can streamline transactions through identity-linked payments and integrated purchasing
Understand how banks can leverage EUDI to power market expansion and unlock new revenue streams
Assess the commercial opportunity of issuing EUDI wallets and strengthening the bank’s role as a trusted digital partner

Mattias Rohmée

Chief Strategy & Analytics Officer, Financial ID Technology

Bank ID

Kevin Meijer

Policy Advisory

Dutch Payments Association

Stage 1 - Stablecoins and digital currencies

14.30 - 16.00

Moderated by:

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

14.30 - 14.50

Keynote address

Qivalis: A Euro-denominated stablecoin

Jan-Oliver Sell

Chief Executive Officer

Qivalis

Mads Clemmensen

Head of Digital Assets

Danske Bank

14.50 - 15.10

Keynote address

The Digital Euro: the 2027 pilots

Anne-Sophie Gogl

Chairwoman

Digital Euro Association

15.10 - 15.30

Advisory

Jess Renier

Head of Digital Finance

Institute of International Finance

15.30 - 16.00

Panel discussion

Defining the next evolution of digital money

The key initiatives in tokenized payments: what lessons can be learned from the early pioneers in the market?
Streamlining cross-border: how are stablecoins and tokenized payments set to revolutionize money movement?
From cash management to trade: where can DLT help banks unlock new services for corporate clients?
The programmability potential: where can conditional payments and smart contracts unlock new revenue?
Becoming a stablecoin issuer: to what extent is this a viable commercial model for banks?
Digital currencies and financial stability: how serious is the potential threat of bank disintermediation?
Stablecoins, tokenized deposits, CBDCs: how will the battle to define the next evolution of money play out?

Mads Clemmensen

Head of Digital Assets

Danske Bank

Ville Sointu

Chief Strategist, Digital Currencies and Transaction Banking

Nordea

Filippo Chiricozzi

Web3 & Digital Assets | Innovation

Banca Sella

Genevieve Douhet

Global Transaction & Payments Services - Crypotassets Program Director

Société Générale

Joachim Schwerin

PhD economist; member of bundesblock

Agenda | MoneyLIVE Nordic Banking

MoneyLIVE Lounge - MoneyLIVE Meetups

14.30 - 16.00

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

Select a stage

Session One: Navigating uncertainty through Nordic innovation

08.55 - 09.00

Chair's opening remarks

Sara Sjølin

Copenhagen Bureau Chief

Bloomberg News

09.00 - 09.20

Keynote address

Sustaining tomorrow: building a secure future for the Nordics

Tomas Hedberg

Deputy President and Deputy Chief Executive Officer

Swedbank

09.20 - 09.40

Keynote address

The new growth engines for the Nordic market

Sven Eggefalk

Head of Business & Retail Banking

SEB

09.40 - 10.00

Advisory

Berthold Barodte

Senior Vice President - Security Solutions Europe

Mastercard

10.00 - 10.20

Keynote address

10.20 - 10.50

Leaders' Forum

A new paradigm: re-defining bank strategies for a changing world

How are Nordic banks innovating to attract and retain customers amid rising deposit competition?
Navigating demographic change: how can Nordic banks adapt to changing societal needs?
From SMEs to wealth: how can Nordic banks drive growth in new segments?
Diversification vs. specialisation: how should Nordic banks evaluate the trade-offs today?
Nordic resilience and digital sovereignty: how can banks navigate a new risk landscape?
The new challengers: where will the threats to bank business models come in the next decade?

Mark Luscombe

Chief Executive Officer

AL Sydbank

Stage 1 - Customer acquisition and engagement in the age of AI

11.35 - 13.05

Moderated by:

Sara Sjølin

Copenhagen Bureau Chief

Bloomberg News

11.35 - 11.55

Keynote address

Building trust in AI-powered customer engagement

Päivi Svens

Chief Brand Officer

OP Pohjola

11.55 - 12.15

Advisory

Joaquin Dimas

Senior CX Consultant

msg for banking

12.15 - 12.35

Fireside chat

Rethinking customer acquisition in the era of AI

Explore how banks should prepare for the disruptive impact of agentic commerce and AI-driven searches
Discover how banks can leverage AI to improve conversion rates and drive down customer acquisition costs
Unpack key AI use cases from enhanced intent analysis and channel optimisation to adaptive content creation

Malthe Falck

Head of Group Digital

Nordea

Shan Lodh

Head of AI

Hyperlayer

12.35 - 13.05

Panel discussion

Building the next generation of conversational AI agents

Get up to speed on the most sophisticated conversational and agentic AI capabilities in use today
Understand how banks can use AI agents to deliver more intelligent and intuitive self-service offerings
Unpack how AI agents can reduce burdens on support teams without compromising on customer experience
Examine the practical challenges in implementing AI agents from model development and testing to deployment

Karoliina Kettukari

AI Director

OP Pohjola

Aidas Malakauskas

Head of Interaction Solutions

Swedbank Baltics

Stage 2 - Transforming Nordic payments

11.35 - 13.05

Moderated by:

Camilla Åkerman

Secretary General

Nordic Payments Council

11.35 - 11.55

Keynote address

A new payment scheme for Iceland: building a sovereign and secure payment system

Tómas Brynjólfsson

Deputy Governor for Financial Stability

Central Bank of Iceland

11.55 - 12.15

Advisory

12.15 - 12.35

Fireside chat

Readying for instant payments: VoP and beyond

Reflect on industry adoption of instant payments ahead of the 2027 deadline for non-eurozone countries
Explore how Finans Denmark are rolling out Verification of Payee and the early results from implementation
Unpack how banks can enhance real-time detection and mitigate the fraud risks of instant payments

Mette Sturup

Head of Digitization Policy

Finans Danmark

12.35 - 13.05

Panel discussion

Harmonising cross border payments in the Nordics and beyond

Martin W Johansson

Acting Chief of Staff to the Director General

Swedish Financial Supervisory Authority (Finansinspektionen)

Fredrik Tallqvist

Regional Representative, Nordics and the Baltics

EBA Clearing

Aleksi Grym

Head of Payment Systems Department

Bank of Finland

Stage 3 - Information sharing in counter fraud

11.35 - 13.05

Moderated by:

Sune Gabelgård

Member of the National Crime Prevention Commission

The Danish Parliament

11.35 - 11.55

Keynote address

The role of public-private partnerships in anti-financial crime

Sune Gabelgård

Member of the National Crime Prevention Commission

The Danish Parliament

11.55 - 12.15

Keynote address

Findings from the regulatory sandbox: the legal scope for more effective data sharing

Simen Austrått

Head of Intelligence FC3

DNB

12.15 - 12.35

Advisory

Shared signals, collective action: how Nordic institutions can disrupt connected fraud with global, cross-institutional intelligence

12.35 - 13.05

Panel discussion

Developing information sharing networks: overcoming the practical challenges

Examine the key trends around fraud and cross-border criminal networks that are making information sharing essential
Get to grips with the regulatory, technical and commercial challenges of building effective information sharing networks
Gain key insights from early market pilots and up-and-coming information sharing initiatives to date
Understand how further cooperation can be enabled between governments, banks, payment networks and vendors

Nicolaj Brandt-Møller

Program Manager, Fraud Management

Danske Bank

Morten Draegni

General Manager

Nordic Financial CERT

Marius Styczen

Head of Financial Crime Prevention Norway

SEB

Antti Alestalo

Senior Business Developer, Anti-Financial Crime

OP Pohjola

MoneyLIVE Lounge - MoneyLIVE Meetups

11.35 - 13.05

Lending meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

Stage 1 - The future of European wallets and A2A

14.15 - 15.40

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

14.15 - 14.30

Keynote address

EPI Wero: the next stage of expansion

Ludovic Francesconi

Chief Member and Strategy Officer

EPI Company

14.30 - 14.50

Advisory

14.50 - 15.10

Fireside chat

EuroPA: towards truly interoperable pan-European wallets

Vegar Heir

Chief Commercial Officer

Vipps MobilePay

Fernando Rodriguez Ferrer

Deputy General Manager for Internationalization

Bizum

15.10 - 15.40

Panel discussion

The end of card dominance? Charting the future of A2A

Examine the key market trends around A2A adoption across ecommerce and instore transactions
Explore how NFC-based Tap-to-Pay wallets are enhancing convenience and driving growth in A2A
Get insights into how leading merchants are weighing up the trade-offs of A2A versus cards
Explore the efforts to overcome key gaps across consumer adoption, protection and dispute mechanisms

Sumit Kumar

Head Of Cards & Wallet Payments Technology

Danske Bank

Dan Axelsson

Expert Business Developer - Payments

Nordea

Patrik Centellini,

Business Owner - Payments

Swish

Stage 2 - Fraud and AML: readying for a new regulatory landscape

14.15 - 15.45

Moderated by:

Humera Yakub

Head of Fraud

Pay.UK

14.15 - 14.35

Keynote address

The AMLR: unpacking the impact for AML teams

14.35 - 14.55

Fireside chat

Building resilience in the digital bank: staying ahead of fraud and financial crime

Explore how digital banks are shifting from risk management to resilience, embedding this thinking into products, technology and customer journeys
Understand how a more resilient approach can help digital banks stay ahead of fraud and financial crime as threats evolve
Examine how customer centricity should shape risk and fraud decisions, balancing fair, frictionless experiences with robust protection
Discover how AI, automation and data can strengthen resilience, enhance fraud protection and help digital banks scale safely

Hanna Sarraf

Chief Risk Officer

Monzo Europe

14.55 - 15.15

Fireside chat

The EU AML regulation: how must KYC practices adapt?

Reda Stanytė

Head of AML Regulation Division

Bank of Lithuania

15.15 - 15.45

Panel discussion

PSD3 and the PSR: readying for the new counter fraud obligations

Gain clarity on the key obligations and new compliance requirements that the PSR will pose for fraud and AML teams
Get to grips with key changes regarding SCA requirements, API standards and information sharing
Understand how banks must work to strengthen customer education and address new types of spoofing fraud
Examine how banks must invest to achieve real-time fraud detection and transaction monitoring capabilities

Alexandria Nguyen

Principal Compliance Officer

Danske Bank

Mindaugas Kutkaitis

Fraud Operations Unit Manager

Luminor

Marc Bewernik

Director of Product

Banfico

Stage 3 - New opportunities in the lending landscape

14.15 - 15.45

Moderated by:

Paul Mullins

Managing Director, Global Strategic Initiatives

Formerly HSBC

14.15 - 14.35

Fireside chat

Embedded and contextual lending: meeting customers at the point of need

14.35 - 14.55

Advisory

14.55 - 15.15

Case study

Personalised, flexible lending: putting power in the hands of the customer

Einar Eidsson

Chief Product Officer

indó

15.15 - 15.45

Panel discussion

Digitising the lending journey: taking seamlessness to new heights

Sander Aasna

Chief Product Officer

SEB Baltics

Kaspars Lukacovs

Head of Retail Business

Luminor

Alīna Liepiņa-Geiba

Head of Lending Product Development in Baltics

Citadele banka

Adam Busznyak Rydh

Regional Vice President EMEA

nCino

MoneyLIVE Lounge - MoneyLIVE Meetups

14.15 - 15.45

CX Meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE lounge.

Stage 1 - The AI-powered bank

16.15 - 17.45

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

16.15 - 16.35

Keynote address

Agentic workflows: readying for a new wave of intelligent operations

Rolf Njor Jensen

VP of Technology

Lunar

16.35 - 16.55

Keynote address

The EU AI Act: the key implications for banks

Kai Zenner

Head of Office and Digital Policy Adviser

European Parliament

16.55 - 17.15

Advisory

17.15 - 17.45

Panel discussion

Realising the potential of agentic AI in banking

Where are AI agents set to radically transform operations for banks today?
Empowering employees: what training and re-skilling is required for employees to make the most of AI?
The changing structure of the bank workforce: how will roles change and what roles might be eliminated?
Managing a hybrid workforce: how can banks create effective synergy between AI agents and human staff?
Responsible AI: how can banks engineer control into AI agents and embed governance effectively?
The agentic future: how should banks prepare for the growing autonomy of AI agents?

Ganesh Chandrasekar

Head of AI Portfolio Delivery

Nordea

Mart Roosimägi

Head of AI Scaling and Strategy - Baltic Banking

Swedbank

Carl-Edvard Holmberg

Chief Innovation Officer, New Technologies, AI

S-Pankki

Stage 2 - Business banking innovation

14.15 - 17.45

Moderated by:

Paul Mullins

Managing Director, Global Strategic Initiatives

Formerly HSBC

16.15 - 16.35

Keynote address

Premium API innovation: the new revenue opportunities in business banking

Christie Holm Kristensen

Strategic Integrations Partnership Director

Danske Bank

16.35 - 16.55

Advisory

16.55 - 17.15

Fireside chat

Strengthening corporate treasury services: real-time, digital, automated

Unpack how banks are using APIs and AI to improve real-time cash visibility and cashflow forecasting for treasurers
Understand how banks can seamlessly embed services into client’s ERP, TMS and accounting platforms
Explore how banks can leverage new tools to automate reconciliation for clients and eliminate manual tasks
Discover how DLT is creating new opportunities to enhance bank services for corporate treasurers

Floor Meeuwis

Liquidity, (Virtual) Account Management, and Advisory

Société Générale

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

17.15 - 17.45

Panel discussion

Taking SME lending further: smarter, digital, embedded

Jason Francis

Co-founder

Qred Bank

Kasper Ernerot

Head of Commercial - Lending

Lunar

Thorsen Seeger

Member of the Management Board

SME Bank

MoneyLIVE Lounge - MoneyLIVE Meetups

16.15 - 17.45

Payments meetup

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

Select a stage

Session Five: Driving innovation in Nordic banking

09.05 - 09.10

Chair's opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.10 - 09.30

Keynote address

The Northmill vision: powering expansion through customer-centric innovation

Julie Chatterjee

Group Chief Executive Officer

Northmill Bank

09.30 - 09.50

Keynote address

Dansk Vækstkapital IV: accelerating FinTech innovation

Casper Bruyant Bonde

Chief Executive Officer

Danske Private Equity

09.50 - 10.10

Advisory

10.10 - 10.30

Keynote address

Scaling innovation without compromising trust

Kirsten Renner

Group Chief Information Officer & Head of Group Technology

Nordea

10.30 - 11.00

Panel discussion

Lessons from the global challengers: innovating business models for the next decade

Finding a market niche: how have challengers identified needs underserved by traditional banks?
New markets and new segments: where are challengers placing bets for strategic growth?
Raising the bar on digital customer experience: where are challengers having the most disruptive impact?
Building for the future: how are challengers harnessing the opportunities of emerging technologies?
Creating an innovation-first culture: what lessons can incumbents take away from challenger success?

Joe Wilson

Chief Evangelist

bunq

Hjördís Elsa Ásgeirsdóttir

Chief Marketing Officer

indó

Tuomas Autero

Country Manager for Finland

Revolut

Stage 1 - Serving customer needs

11.45 - 13.15

Moderated by:

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

11.45 - 12.05

Case study

Supporting financial wellbeing: how can banks do more for customers?

Pär Ahrling

Head of Institute for Financial Health

Swedbank

12.05 - 12.25

Advisory

Creating inclusive digital banking experiences for all: where can banks go further?

12.25 - 12.45

Fireside chat

Cognitive, intelligent banking: towards pre-emptive customer engagement

Jacob Hvidberg Falkencrone

Head of AI & Personalized Experience

Saxo Bank

12.45 - 13.15

Panel discussion

Banking for the next generation: doing more for younger customers

Understand why enhancing youth services is essential for banks to remain relevant and improve customer lifetime value today
Explore how banks can play an active role in supporting young people to gain skills in managing money responsibly
Get insights into the latest product innovations and strategic thinking of banks expanding their youth offerings
Take away key lessons for how to strengthen offerings to attract and retain the next generation

Søren Rode Andreasen

Head of Digital Customer Engagement

Nordea

Einar Eidsson

Chief Product Officer

indó

Dia Serazutdinova

Product Lead

N26

Szymon Kopeć

Product Director

Lunar

Stage 2 - Resilience and cybersecurity

11.45 - 13.15

Moderated by:

Corinna Scatena

Director, Legal & Governance, Getnet Europe

Banco Santander

11.45 - 12.05

Keynote address

Strengthening resilience through offline payments

Maria Lundström

Head of Division for Preparedness, Internal Control and Operational Support Department

Sveriges Riksbank

12.05 - 12.25

Advisory

12.25 - 12.55

Fireside chat

Navigating digital dependency in a heightened risk landscape

Get to grips with why vendor dependency and concentration risks are heightening in the current digital landscape
Examine how banks can strengthen vendor due diligence strategies and continuous performance reviews
Understand how to prepare robust business continuity, contingency, and exit plans to manage potential disruptions resulting from third-party failures.
Explore best practices to ensure ongoing alignment of risk frameworks to regulatory expectations

Andreas Bergqvist

Chief Security Officer, Financial ID Technology

BankID

Stefán Þór Björnsson

Executive Director and Security Officer

Íslandsbanki

Osmo Timonen

Head of Regulatory Data

Aktia Bank

12.55 - 13.15

Panel discussion

AI in cybersecurity: assessing the new opportunities and threats

Johanna von Rosen

Acting Chief Information Security Officer

Sveriges Riksbank

Stage 3 - Digital identity innovation

11.45 - 13.15

Moderated by:

Martin Gregor Schuricht

Managing Director

Schuricht Executive

11.45 - 12.05

Keynote address

European business wallets: towards simpler digital operations

Daan van den Eshof

Business Developer & Project Manager Digital Identity Wallets

WE BUILD Consortium

12.05 - 12.25

Advisory

12.25 - 12.45

Case study

Combatting deepfake and synthetic identity fraud: the latest innovations

Examine how gen AI in the hands of fraudsters is dramatically increasing the scale and sophistication of attacks
From video to voice cloning, presentation to injection attacks: get to grips with how the challenges of deepfake detection vary across different attack vectors
Deepfake detection: explore how banks are leveraging AI to enhance the accuracy of liveness checks as part of a holistic and multi-layered approach

12.45 - 13.15

Panel discussion

The commercial potential of EUDI: streamlining onboarding, payments and beyond

Explore how banks can harness EUDI to revolutionise onboarding and drastically reduce KYC and fraud costs
Get to grips with how EUDI can streamline transactions through identity-linked payments and integrated purchasing
Understand how banks can leverage EUDI to power market expansion and unlock new revenue streams
Assess the commercial opportunity of issuing EUDI wallets and strengthening the bank’s role as a trusted digital partner

Mattias Rohmée

Chief Strategy & Analytics Officer, Financial ID Technology

Bank ID

Kevin Meijer

Policy Advisory

Dutch Payments Association

Stage 1 - Stablecoins and digital currencies

14.30 - 16.00

Moderated by:

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

14.30 - 14.50

Keynote address

Qivalis: A Euro-denominated stablecoin

Jan-Oliver Sell

Chief Executive Officer

Qivalis

Mads Clemmensen

Head of Digital Assets

Danske Bank

14.50 - 15.10

Keynote address

The Digital Euro: the 2027 pilots

Anne-Sophie Gogl

Chairwoman

Digital Euro Association

15.10 - 15.30

Advisory

Jess Renier

Head of Digital Finance

Institute of International Finance

15.30 - 16.00

Panel discussion

Defining the next evolution of digital money

The key initiatives in tokenized payments: what lessons can be learned from the early pioneers in the market?
Streamlining cross-border: how are stablecoins and tokenized payments set to revolutionize money movement?
From cash management to trade: where can DLT help banks unlock new services for corporate clients?
The programmability potential: where can conditional payments and smart contracts unlock new revenue?
Becoming a stablecoin issuer: to what extent is this a viable commercial model for banks?
Digital currencies and financial stability: how serious is the potential threat of bank disintermediation?
Stablecoins, tokenized deposits, CBDCs: how will the battle to define the next evolution of money play out?

Mads Clemmensen

Head of Digital Assets

Danske Bank

Ville Sointu

Chief Strategist, Digital Currencies and Transaction Banking

Nordea

Filippo Chiricozzi

Web3 & Digital Assets | Innovation

Banca Sella

Genevieve Douhet

Global Transaction & Payments Services - Crypotassets Program Director

Société Générale

Joachim Schwerin

PhD economist; member of bundesblock

Agenda | MoneyLIVE Nordic Banking

MoneyLIVE Lounge - MoneyLIVE Meetups

14.30 - 16.00

Find your community at MoneyLIVE Meetups – informal, themed networking sessions designed to connect professionals with shared interests. Open to all!

Hosted at the MoneyLIVE Lounge.

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