Brochure | MoneyLIVE Nordic Banking

Innovation ignited.

Check out the full agenda below

Session One: The future of Nordic banking

09.00 - 09.05

Chair opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.05 - 09.25

Keynote address

Banking in a new era: embracing open finance and AI

Tomas Hedberg

Deputy President and Deputy Chief Executive Officer

Swedbank

09.25 - 09.40

Keynote address

Leading the Baltics’ digital banking charge

Valters Ābele

Chief Financial Officer & Member of the Executive Board

Citadele banka

09.40 - 09.55

Keynote address

Banking in a risk landscape: taking resilience to new heights

Mark Kandborg

Group Chief Risk Officer

Nordea

09.55 - 10.15

Advisory

10.15 - 10.45

Leaders' Forum

Defining strategies for 2025 and beyond

Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?

Taking customer centricity to the next stage: where do the main opportunities lie?

Protecting margins in a period of disinflation: understanding the priorities for the year ahead

API commercialisation: what are the keys to success?

CBDC developments across Europe: how should banks prepare?

M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie?

Sverre Hana

Chief Executive Officer and Head of Banking, Nordics

Standard Chartered

Stephan Erne

Chief Digital Officer

Handelsbanken

Manish Malhotra

Vice President and Head of Sales for Financial Services EMEA

Infosys

Stage 1 - The API economy

11.30 - 11.50

Keynote address

Platformification and APIs: reshaping the corporate banking ecosystem

Liisa Kanniainen

Vice President, Strategic Lead

Nordea

11.50 - 12.10

Fireside chat

Open finance: where are we on the journey?

Open finance across Europe: what now, where next?

Engaging customers in open finance: how can the benefits be best communicated?

Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?

Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?

From closed to collaborative: tapping into cross-sector data sharing for maximum benefit

Ragnar Toomla

Chief Product Owner, Digital Channels

SEB

Nikolas Schreck

Solution Architect

Commerzbank

12.10 - 12.30

Advisory

Nick Platjouw

Area Director Northern Europe

Personetics

12.30 - 13.00

Panel discussion

Commercial API development: monetisation strategy

The premium API imperative: understanding the business priorities and routes to market

From agile API development to API platformification: how can banks position themselves as optimal partners?

API performance transparency: how can this drive competition?

Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?

Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage?

Benny Boye Johansen

Senior Director, Head of OpenAPI and Partner Trading

Saxo Bank

Martina Wallenberg

Head of Channels and APIs – Cash Management

SEB

Peter Lund

Expert Business Developer

Nordea

Stage 2 - Building the payment rails of tomorrow

11.30 - 11.45

Keynote address

Bringing instant payments to fruition in Europe

Eric Ducoulombier

Head of the Retail Financial Services and Payments Unit, DG FISMA

European Commission

11.45 - 12.05

Fireside chat

Real-time fraud prevention: keeping pace with instant payments

Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments

IBAN name check compliance: understanding the benefits for instant payments fraud prevention

Collaboration is key: what more can the industry do to collectively combat instant payments fraud?

From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time?

Fredrik Tallqvist

Regional Representative, Finland and the Baltic countries

EBA Clearing

Paulina Kudlacik

Scheme Manager

Nordic Payments Council

Jukka-Pekka Kokkonen

CertICM, Head of Fraud and Dispute, Issuing Solutions

Nexi Group

12.05 - 12.25

Advisory

12.25 - 12.55

Panel discussion

Enhancing cross-border and instant payments

Panel discussion

Enhancing cross-border and instant payments

Lessons from P27: what’s next for instant cross-border payments in the Nordics?

Cross-border instant payments: to what extent is this a priority?

From P2P to corporate payments: where would instant payments realise the greatest benefits?

Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout

How can SEPA Inst be leveraged to develop new innovative solutions?

Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare?

Camilla Åkerman

Secretary General

Nordic Payments Council

Espen Molin

Head of CX and Growth

Kompasbank

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Jenny Winther

Head of Payment Schemes

Handelsbanken

Piotr Jan Pietrzak

New Markets Lead

European Payments Initiative

12.55 - 13.10

Interview

Instant payments at ‘no extra cost’: the implications for banks

The halting of premium charges for instant payments: to what extent will this impact banks revenue models?

From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?

From APIs to AI: how can new technologies enable new revenue streams in payments?

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Stage 3 - Digital identity

11.30 - 11.50

Keynote address

The journey towards the EU ID wallet

Annet Steenbergen

Advisor

EU Digital Identity Consortium

11.50 - 12.10

Fireside chat

The future of authentication and verification

Balancing convenience with security: what level of friction will customers tolerate?

How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?

Integrating new technologies into existing products and interfaces: what are the key considerations?

Secure authentication in a generative AI world: what are the opportunities and risks?

Looking ahead: what is the landscape for future ID verification and authentication?

Simone Poon

Group AML Policy and Standards, Group Anti-Money Laundering Policy and Standards

Standard Chartered Bank

Robert Carlsson

Head of Product Security

BankID

Adam Preis

Director, Product & Solution Marketing

Ping Identity

12.10 - 12.30

Advisory

12.30 - 13.00

Panel discussion

Digital IDs: what’s next for the Nordics, Europe and beyond?

Lessons from BankID: what’s next for national digital IDs in the Nordics?

Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?

EUDIW interoperability: how must the Nordics prepare?

From lack of useability to identity theft: to what concerns does EUDIW give rise?

Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?

From Nordics to pan-European to global: what is the long-term goal for national digital IDs?

Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs?

Mattias Rohmée

trategy & Business Analytics Lead

Bank ID

Annet Steenbergen

Advisor

EU Digital Identity Consortium

Stage 4 - The AI lab

11.30 - 11.40

Dawn of the EU AI Act

Paul Mullins

Former Managing Director

HSBC

11.40 - 11.55

Case study

AI case study | DanskeGPT

Nicolaj Gudbergsen

Head of GenAI, Senior Vice President, Technology & Services

Danske Bank

11.55 - 12.10

Case study

AI case study | Lunar

Kåre Kjelstrøm

Chief Technology Officer

Lunar

12.10 - 12.25

Case study

AI case study | Íslandsbanki

Árni Geir Valgeirsson,

Executive Director of Digital development, IT Architecture and DevOps

Íslandsbanki

12.25 - 13.00

Panel discussion

Operationalising AI: overcoming the hurdles

How can banks best give AI with the volume and quality of data it requires?

Closing the skills gap: how to equip the human workforce with AI literacy

From privacy and security to ethics: how can the risks of AI best be addressed?

Minimising the risk of bias: what are the critical steps?

Breaking the black box: how can banks enhance transparency and explainability in AI?

The regulatory agenda: how can banks anticipate and prepare for future regulations?

Nicolaj Gudbergsen

Head of GenAI, Senior Vice President, Technology & Services

Danske Bank

Kåre Kjelstrøm

Chief Technology Officer

Lunar

Stage 1 - Lending

14.15 - 14.35

Keynote address

The Nordic economic outlook: the implications for lending strategies

Las Olsen

Chief Economist

Danske Bank

14.35 - 14.55

Fireside chat

Taking credit decisioning to the next stage

Automated credit decisioning: what more can AI do?

Towards real-time credit decisions: how can AI enable faster time to lending?

Enhancing accuracy: what more needs to be done?

Leveraging alternative data sources: where do the main opportunities lie?

Juris Rieksts-Riekstiņš

Chief Credit Officer

Bondora

Tuija Rainisto

Director, Credit Risk Models and Risk Operations

OP Financial Group

Tim Mussche

Area Vice President at nCino NEMEA

nCino

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

Adapting lending strategies to a new landscape

How should lenders respond to lower interest rates?

Margin vs volume: is a loosening of lending criteria now called for?

BNPL: how is the market set to change with tighter affordability?

Serving the underserved: how can better credit risk data enable banks to access new markets?

Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?

Supporting SMEs: what more can banks do?

Michael Hurup Andersen

Founder & Chief Executive Officer

Kompasbank

Einar Eidsson

Head of Product

indó

Kaspars Lukacovs

Head of Retail Lending and Insurance

Luminor

Stage 2 - Open banking payments

14.15 - 14.55

Panel discussion

The global A2A landscape

Evaluating A2A payments across the globe: who’s leading the charge?

From eliminating card network fees to reducing reliance on payment gateways: how is the legacy payments value chain being disrupted?

Digital wallets, bank apps, QR codes: how are A2A payments facilitated at scale in different geographies?

Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation?

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

Canan Arabacioglu

Senior Product Manager, Head of Payment Acceptance DE & TR

Amazon

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

The future of digital wallets

The current state of the market: who’s leading the way in digital wallet innovations?

Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?

How will advancements in wallets impact banking app innovation in the Nordics and Baltics?

A2A rollout: what’s next for wallet innovation for open banking payments?

The future of wallets: what developments might shape the next phase of digital wallet offerings?

Dan Axelsson

Head of Payment & Fraud

Swish

Baard Slaattelid

Director Strategic Payment Partnerships and Board Member

Vipps MobilePay

Stage 3 - Fraud and financial crime

14.15 - 14.35

Keynote address

Tackling financial crime in the digital

Vinita Ramtri

Chief of Staff, Financial Crime/Fraud

Monzo

14.35 - 14.55

Fireside chat

AI and fraud: a double-edged sword

AI-driven fraud: what are the latest developments and emerging threats?

Fighting AI with AI: moving from rule-based to AI-based fraud detection

Generative AI: what extra capabilities can be leveraged to better fight fraud?

Towards real-time detection: where do the solutions lie?

AI compliance: navigating the minefield

David Laramy

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

Danske Bank

Ketil Clorius

Global Head of Fraud Strategy and Transformation

SEB

Christen Kirchner

Fraud & Compliance Manager, SAS Northern Europe

SAS

14.55 - 15.15

Advisory

Catching fraudsters in the act: the impact of mule account detection in fraud prevention

Staying ahead: how does proactively targeting money mules and beneficiaries enhance fraud prevention?

What core technology capabilities and processes can support mule account detection?

What role does AI play in reshaping both fraud risks and detection opportunities?

The full payment journey: why is examining both inbound and outbound legs becoming an industry game changer?

Daniel Holmes

SME Fraud

Feedzai

15.15 - 15.45

Panel discussion

Turning up the heat on fraud prevention

From APP fraud to social engineering: where do the main fraud risks lie?

Proactive, not reactive: leveraging the power of AI to detect fraud in real-time

From alerts to nudges: what more can banks do to help customers stay vigilant?

What more can national ID schemes do to keep fraudsters at bay?

The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?

Cross-sector and inter-bank collaboration: what are the next steps?

Niels Halse

Head of 1st line Fraud Management

Danske Bank

Vanja Söderblom

Head of Fraud

Ikano Bank

Sune Gabelgård

Independent Fraud Expert

Formerly Vipps MobilePay

Stage 4 - Thinktank: FinTech and Bank partnerships

14.15 - 14.25

Introductions

14.25 - 14.45

Bank-FinTech partnership success: the key considerations

Erlend Nitter-Hauge

Head of FinTech Partnerships

DNB

Defining your partnership strategy

15.20 - 15.45

Group feedback

Session Four | Operational Strategies

16.30 - 16.45

Keynote address

Achieving micro innovation and human-centric transformation in operations

Jakob Aarup Petersen

Group Executive Vice President

Sydbank

16.45 - 17.05

Advisory

17.05 - 17.35

Panel discussion

Charting the route to operational optimisation

From data integration to AI: what are the investment priorities for 2025, and how can ROI be maximised?

How can analytics best be leveraged to improve operational efficiency?

Optimising organisational structures: how can lean thinking and agile teams further boost effectiveness?

The role of low-code, no-code: what are the benefits and what are the dangers?

Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?

Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment

Mikko Turunen

SVP, Director, Core Banking System

OP Financial Group

Malin Lignell

Vice President, Digitalisation and Innovation

Handelsbanken

John Skov

Head of Agile Executions

Nordea

Michael Heffner

Head of Global Industry and Value

Appian

17.35 - 17.55

Keynote address

Shaping the digital future: strategies for secure and resilient operations

Ieva Ileves

Advisory on Cybersecurity Policy & International Cooperation

Ministry of Digital Transformation of Ukraine

Session Five: CX in the digital arena

09.00 - 09.05

Chair's opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.25

Keynote address

Watch your tone: why the right tone of voice is paramount in digital customer relations

Cecilie Moseng

Head of Customer and Partner Experience

Wolt

09.25 - 09.40

Keynote address

Being the bank of choice: delivering real value to customers in a digital age

Mats Bergius

General Manager Sweden & Norway, Head of Lending

Lunar

09.40 - 10.05

Fireside chat

Defining your channel strategy

From omni-channel to opti-channel to channel-less: what viable, when and how to get there?

Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?

From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?

A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?

Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale?

Martins Berzins

Head of Digital Customer Experience

Citadele banka

Jakob Palmblad

Head of Group Channel Management

Swedbank

10.05 - 10.25

Advisory

Innovation SME credit assessment: leveraging open banking and ERP data for better CX

Enrico Gambi

Analytics and Advanced Analytics Director

CRIF

10.25 - 11.00

Panel discussion

CX strategies for 2025 and beyond

Acquisition or retention: which should be the focus for 2025 and why?

Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?

From Gen Alpha to retirees: how can banks engage new demographics?

How can friction in onboarding be minimised across all channels? Who’s leading the way?

The evolution of the chatbot: to what extent will generative AI be transformational?

PFM and robo-advice: delivering value-add services that complement core offerings

The banking Internet of Things: how can increased connectivity be leveraged for hyper-personalisation?

Raising the bar in CX: what single initiative could make the biggest difference?

Camilla Dahl Hansen

Global Chief Experience Officer

Formerly Saxo Bank

Søren Rode Jain Andreasen

Head of Enterprise Digital and Innovation

CIBC US

Robin Silfverhielm

Chief Experience Officer

SBAB

Philip Haglund

Chief Executive Officer and Founder

Gimi

Andrew Stevens

CX Principal

Quadient

Stage 1 - Platforms and ecosystems

11.45 - 12.00

Case study

Raisin | Building a global savings marketplace

Kevin Mountford

Co-Founder

Raisin UK

12.00 - 12.25

Fireside chat

The next chapter of embedded finance

How will PSD3 enable further embedded finance innovation?

Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?

Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?

From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?

Compliance risks: what are the pitfalls and how can they be avoided?

Vinita Ramtri

Chief of Staff, Financial Crime/Fraud

Monzo

Saira Khan

Head of Innovation & Partnerships

First Direct

12.25 - 12.45

Advisory

12.45 - 13.15

Panel discussion

Banking in a platform economy: exploring new business models

Capitalising on the platform economy: what new business models are emerging?

Finding your BaaS niche: identifying gaps in the market and developing your proposition

From Goldman Sachs’ TxBaaS to BBVA’s open BaaS platform: who’s leading the way in BaaS innovation?

Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on?

From subscription services to white labelling: what factors should influence choice of revenue model?

Developing the propositions of tomorrow: what new value could be created with cross-sector data?

Developing and launching new business models: what are the key considerations for successful execution?

Deeptasree Mitra

Managing Director, Contextual Banking, BaaS, Embedded Finance

Deutsche Bank

Kevin Mountford

Co-Founder

Raisin UK

Caroline Berg Von Linde

Product Manager Bank 4.0 / Embedded Finance

SEB

Stage 2 - Digital Currencies

11.45 - 12.00

Keynote address

Preparing for the digital euro

Aleksi Grym

Head of FinTech

Bank of Finland

12.00 - 12.25

Keynote address

Regulation of digital currencies by MiCA and beyond: the new frontier for governance

Joachim Schwerin

Principal Economist

European Commission

12.25 - 12.45

Advisory

Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date

From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions?

The crypto wallet market: should retail banks partner or offer their own wallets?

Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank?

The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve?

From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress?

Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks?

Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks?

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Aleksi Grym

Head of FinTech

Bank of Finland

Stage 3 - Resilience and security

11.45 - 12.05

Keynote address

Ensuring cyber resilience throughout the business

Höskuldur Hlynsson

Chief Risk Officer

Central Bank of Iceland

12.05 - 12.55

Fireside chat

Taking resilience to new heights

Preparing for the DORA 2025 deadline: what more do banks need to do?

From vulnerability assessments to employee training: how can the risk of IT outages be minimised further?

Business continuity: how can banks ensure outages are within the 24 hour recovery window?

Robust disaster recovery planning: what safeguards for data retrieval must banks have in place?

From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice?

Enhancing third-party risk management and oversight: understanding the importance and the pitfalls to avoid

Setting impact tolerances for essential services: what are the key considerations?

Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare?

Dante Jackson

Senior Vice President, Head of Security Resilience

Truist

12.25 - 12.45

Advisory

12.45 - 13.15

Panel discussion

Navigating cyber risk: optimising your approach

From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025?

From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive?

What are the biggest benefits and risks of AI in cyber security? How can banks best prepare?

Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats?

Access control: what further strategies can banks employ?

Investing in employee training: is this the key to addressing the ‘weakest link’ in cybersecurity?

Höskuldur Hlynsson

Chief Risk Officer

Central Bank of Iceland

Martin Clausen

Chief Security Architect, Global Head of Cyber Security

Saxo Bank

Stage 1 - The Net Zero transition

14.20 - 14.35

Keynote address

Championing sustainability in banking

Lucilla Bruni

Executive Vice President for Sustainability & Strategy - Corporate Banking

DNB

14.35 - 14.55

Keynote address

The key role of banks in the green transition

Sarah Anwar

Head of Sustainability

Econans

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

The road to Net Zero

Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?

Building a green business: which banks have made the most progress to date, and how?

From business operations to cloud: how can banks transform internal operations to lower environmental impacts?

Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?

From heat pumps to solar panels to EV charging: how can banks better finance the green transition?

Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition?

Kadri Vunder Fontana

Group Head of Sustainability

Luminor

Trine Lysholt Nørgaard

Director, Head of Investor Relations and Sustainability

Jyske Bank

Lucilla Bruni

Executive Vice President for Sustainability & Strategy - Corporate Banking

DNB

Stage 2 - Legacy modernisation

14.20 - 14.35

Keynote address

Cloud, composability and beyond: building the bank of tomorrow

Jinhong Brejnholt

Chief Cloud Architect, Global Head of Cloud & Container Platform Engineering

Saxo Bank

14.35 - 14.55

Fireside chat

Determining your cloud strategy

Unlocking the full potential of cloud: where are banks on their transformation journeys?

Hybrid vs private vs public: which approach is most appropriate for what?

Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?

How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?

The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?

Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?

A spotlight on exit strategies: how can banks switch providers without causing major disruption?

Bjørn Hald Sørensen

Head of Technology

Lunar

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

Defining your cloud migration strategy

Refactor vs replatform vs rebuild: how to determine which approach to take?

Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?

From loss of data to project delays: how can risks be minimised during the migration process?

Building a robust recovery strategy into your migration journey: what are the strategies for success?

Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability?

Pekka Suomalainen

Chief Information Officer

Säästöpankkiryhmä

Árni Geir Valgeirsson,

Executive Director of Digital development, IT Architecture and DevOps

Íslandsbanki

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis

Session One: The future of Nordic banking

09.00 - 09.05

Chair opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.05 - 09.25

Keynote address

Banking in a new era: embracing open finance and AI

Tomas Hedberg

Deputy President and Deputy Chief Executive Officer

Swedbank

09.25 - 09.40

Keynote address

Leading the Baltics’ digital banking charge

Valters Ābele

Chief Financial Officer & Member of the Executive Board

Citadele banka

09.40 - 09.55

Keynote address

Banking in a risk landscape: taking resilience to new heights

Mark Kandborg

Group Chief Risk Officer

Nordea

09.55 - 10.15

Advisory

10.15 - 10.45

Leaders' Forum

Defining strategies for 2025 and beyond

Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?

Taking customer centricity to the next stage: where do the main opportunities lie?

Protecting margins in a period of disinflation: understanding the priorities for the year ahead

API commercialisation: what are the keys to success?

CBDC developments across Europe: how should banks prepare?

M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie?

Sverre Hana

Chief Executive Officer and Head of Banking, Nordics

Standard Chartered

Stephan Erne

Chief Digital Officer

Handelsbanken

Manish Malhotra

Vice President and Head of Sales for Financial Services EMEA

Infosys

Stage 1 - The API economy

11.30 - 11.50

Keynote address

Platformification and APIs: reshaping the corporate banking ecosystem

Liisa Kanniainen

Vice President, Strategic Lead

Nordea

11.50 - 12.10

Fireside chat

Open finance: where are we on the journey?

Open finance across Europe: what now, where next?

Engaging customers in open finance: how can the benefits be best communicated?

Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?

Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?

From closed to collaborative: tapping into cross-sector data sharing for maximum benefit

Ragnar Toomla

Chief Product Owner, Digital Channels

SEB

Nikolas Schreck

Solution Architect

Commerzbank

12.10 - 12.30

Advisory

Nick Platjouw

Area Director Northern Europe

Personetics

12.30 - 13.00

Panel discussion

Commercial API development: monetisation strategy

The premium API imperative: understanding the business priorities and routes to market

From agile API development to API platformification: how can banks position themselves as optimal partners?

API performance transparency: how can this drive competition?

Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?

Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage?

Benny Boye Johansen

Senior Director, Head of OpenAPI and Partner Trading

Saxo Bank

Martina Wallenberg

Head of Channels and APIs – Cash Management

SEB

Peter Lund

Expert Business Developer

Nordea

Stage 2 - Building the payment rails of tomorrow

11.30 - 11.45

Keynote address

Bringing instant payments to fruition in Europe

Eric Ducoulombier

Head of the Retail Financial Services and Payments Unit, DG FISMA

European Commission

11.45 - 12.05

Fireside chat

Real-time fraud prevention: keeping pace with instant payments

Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments

IBAN name check compliance: understanding the benefits for instant payments fraud prevention

Collaboration is key: what more can the industry do to collectively combat instant payments fraud?

From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time?

Fredrik Tallqvist

Regional Representative, Finland and the Baltic countries

EBA Clearing

Paulina Kudlacik

Scheme Manager

Nordic Payments Council

Jukka-Pekka Kokkonen

CertICM, Head of Fraud and Dispute, Issuing Solutions

Nexi Group

12.05 - 12.25

Advisory

12.25 - 12.55

Panel discussion

Enhancing cross-border and instant payments

Panel discussion

Enhancing cross-border and instant payments

Lessons from P27: what’s next for instant cross-border payments in the Nordics?

Cross-border instant payments: to what extent is this a priority?

From P2P to corporate payments: where would instant payments realise the greatest benefits?

Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout

How can SEPA Inst be leveraged to develop new innovative solutions?

Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare?

Camilla Åkerman

Secretary General

Nordic Payments Council

Espen Molin

Head of CX and Growth

Kompasbank

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Jenny Winther

Head of Payment Schemes

Handelsbanken

Piotr Jan Pietrzak

New Markets Lead

European Payments Initiative

12.55 - 13.10

Interview

Instant payments at ‘no extra cost’: the implications for banks

The halting of premium charges for instant payments: to what extent will this impact banks revenue models?

From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?

From APIs to AI: how can new technologies enable new revenue streams in payments?

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Stage 3 - Digital identity

11.30 - 11.50

Keynote address

The journey towards the EU ID wallet

Annet Steenbergen

Advisor

EU Digital Identity Consortium

11.50 - 12.10

Fireside chat

The future of authentication and verification

Balancing convenience with security: what level of friction will customers tolerate?

How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?

Integrating new technologies into existing products and interfaces: what are the key considerations?

Secure authentication in a generative AI world: what are the opportunities and risks?

Looking ahead: what is the landscape for future ID verification and authentication?

Simone Poon

Group AML Policy and Standards, Group Anti-Money Laundering Policy and Standards

Standard Chartered Bank

Robert Carlsson

Head of Product Security

BankID

Adam Preis

Director, Product & Solution Marketing

Ping Identity

12.10 - 12.30

Advisory

12.30 - 13.00

Panel discussion

Digital IDs: what’s next for the Nordics, Europe and beyond?

Lessons from BankID: what’s next for national digital IDs in the Nordics?

Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?

EUDIW interoperability: how must the Nordics prepare?

From lack of useability to identity theft: to what concerns does EUDIW give rise?

Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?

From Nordics to pan-European to global: what is the long-term goal for national digital IDs?

Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs?

Mattias Rohmée

trategy & Business Analytics Lead

Bank ID

Annet Steenbergen

Advisor

EU Digital Identity Consortium

Stage 4 - The AI lab

11.30 - 11.40

Dawn of the EU AI Act

Paul Mullins

Former Managing Director

HSBC

11.40 - 11.55

Case study

AI case study | DanskeGPT

Nicolaj Gudbergsen

Head of GenAI, Senior Vice President, Technology & Services

Danske Bank

11.55 - 12.10

Case study

AI case study | Lunar

Kåre Kjelstrøm

Chief Technology Officer

Lunar

12.10 - 12.25

Case study

AI case study | Íslandsbanki

Árni Geir Valgeirsson,

Executive Director of Digital development, IT Architecture and DevOps

Íslandsbanki

12.25 - 13.00

Panel discussion

Operationalising AI: overcoming the hurdles

How can banks best give AI with the volume and quality of data it requires?

Closing the skills gap: how to equip the human workforce with AI literacy

From privacy and security to ethics: how can the risks of AI best be addressed?

Minimising the risk of bias: what are the critical steps?

Breaking the black box: how can banks enhance transparency and explainability in AI?

The regulatory agenda: how can banks anticipate and prepare for future regulations?

Nicolaj Gudbergsen

Head of GenAI, Senior Vice President, Technology & Services

Danske Bank

Kåre Kjelstrøm

Chief Technology Officer

Lunar

Stage 1 - Lending

14.15 - 14.35

Keynote address

The Nordic economic outlook: the implications for lending strategies

Las Olsen

Chief Economist

Danske Bank

14.35 - 14.55

Fireside chat

Taking credit decisioning to the next stage

Automated credit decisioning: what more can AI do?

Towards real-time credit decisions: how can AI enable faster time to lending?

Enhancing accuracy: what more needs to be done?

Leveraging alternative data sources: where do the main opportunities lie?

Juris Rieksts-Riekstiņš

Chief Credit Officer

Bondora

Tuija Rainisto

Director, Credit Risk Models and Risk Operations

OP Financial Group

Tim Mussche

Area Vice President at nCino NEMEA

nCino

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

Adapting lending strategies to a new landscape

How should lenders respond to lower interest rates?

Margin vs volume: is a loosening of lending criteria now called for?

BNPL: how is the market set to change with tighter affordability?

Serving the underserved: how can better credit risk data enable banks to access new markets?

Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?

Supporting SMEs: what more can banks do?

Michael Hurup Andersen

Founder & Chief Executive Officer

Kompasbank

Einar Eidsson

Head of Product

indó

Kaspars Lukacovs

Head of Retail Lending and Insurance

Luminor

Stage 2 - Open banking payments

14.15 - 14.55

Panel discussion

The global A2A landscape

Evaluating A2A payments across the globe: who’s leading the charge?

From eliminating card network fees to reducing reliance on payment gateways: how is the legacy payments value chain being disrupted?

Digital wallets, bank apps, QR codes: how are A2A payments facilitated at scale in different geographies?

Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation?

Jonas Palm

Head of Nordic Product Management, Cash Management

BNP Paribas

Canan Arabacioglu

Senior Product Manager, Head of Payment Acceptance DE & TR

Amazon

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

The future of digital wallets

The current state of the market: who’s leading the way in digital wallet innovations?

Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?

How will advancements in wallets impact banking app innovation in the Nordics and Baltics?

A2A rollout: what’s next for wallet innovation for open banking payments?

The future of wallets: what developments might shape the next phase of digital wallet offerings?

Dan Axelsson

Head of Payment & Fraud

Swish

Baard Slaattelid

Director Strategic Payment Partnerships and Board Member

Vipps MobilePay

Stage 3 - Fraud and financial crime

14.15 - 14.35

Keynote address

Tackling financial crime in the digital

Vinita Ramtri

Chief of Staff, Financial Crime/Fraud

Monzo

14.35 - 14.55

Fireside chat

AI and fraud: a double-edged sword

AI-driven fraud: what are the latest developments and emerging threats?

Fighting AI with AI: moving from rule-based to AI-based fraud detection

Generative AI: what extra capabilities can be leveraged to better fight fraud?

Towards real-time detection: where do the solutions lie?

AI compliance: navigating the minefield

David Laramy

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

Danske Bank

Ketil Clorius

Global Head of Fraud Strategy and Transformation

SEB

Christen Kirchner

Fraud & Compliance Manager, SAS Northern Europe

SAS

14.55 - 15.15

Advisory

Catching fraudsters in the act: the impact of mule account detection in fraud prevention

Staying ahead: how does proactively targeting money mules and beneficiaries enhance fraud prevention?

What core technology capabilities and processes can support mule account detection?

What role does AI play in reshaping both fraud risks and detection opportunities?

The full payment journey: why is examining both inbound and outbound legs becoming an industry game changer?

Daniel Holmes

SME Fraud

Feedzai

15.15 - 15.45

Panel discussion

Turning up the heat on fraud prevention

From APP fraud to social engineering: where do the main fraud risks lie?

Proactive, not reactive: leveraging the power of AI to detect fraud in real-time

From alerts to nudges: what more can banks do to help customers stay vigilant?

What more can national ID schemes do to keep fraudsters at bay?

The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?

Cross-sector and inter-bank collaboration: what are the next steps?

Niels Halse

Head of 1st line Fraud Management

Danske Bank

Vanja Söderblom

Head of Fraud

Ikano Bank

Sune Gabelgård

Independent Fraud Expert

Formerly Vipps MobilePay

Stage 4 - Thinktank: FinTech and Bank partnerships

14.15 - 14.25

Introductions

14.25 - 14.45

Bank-FinTech partnership success: the key considerations

Erlend Nitter-Hauge

Head of FinTech Partnerships

DNB

Defining your partnership strategy

15.20 - 15.45

Group feedback

Session Four | Operational Strategies

16.30 - 16.45

Keynote address

Achieving micro innovation and human-centric transformation in operations

Jakob Aarup Petersen

Group Executive Vice President

Sydbank

16.45 - 17.05

Advisory

17.05 - 17.35

Panel discussion

Charting the route to operational optimisation

From data integration to AI: what are the investment priorities for 2025, and how can ROI be maximised?

How can analytics best be leveraged to improve operational efficiency?

Optimising organisational structures: how can lean thinking and agile teams further boost effectiveness?

The role of low-code, no-code: what are the benefits and what are the dangers?

Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?

Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment

Mikko Turunen

SVP, Director, Core Banking System

OP Financial Group

Malin Lignell

Vice President, Digitalisation and Innovation

Handelsbanken

John Skov

Head of Agile Executions

Nordea

Michael Heffner

Head of Global Industry and Value

Appian

17.35 - 17.55

Keynote address

Shaping the digital future: strategies for secure and resilient operations

Ieva Ileves

Advisory on Cybersecurity Policy & International Cooperation

Ministry of Digital Transformation of Ukraine

Session Five: CX in the digital arena

09.00 - 09.05

Chair's opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.25

Keynote address

Watch your tone: why the right tone of voice is paramount in digital customer relations

Cecilie Moseng

Head of Customer and Partner Experience

Wolt

09.25 - 09.40

Keynote address

Being the bank of choice: delivering real value to customers in a digital age

Mats Bergius

General Manager Sweden & Norway, Head of Lending

Lunar

09.40 - 10.05

Fireside chat

Defining your channel strategy

From omni-channel to opti-channel to channel-less: what viable, when and how to get there?

Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?

From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?

A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?

Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale?

Martins Berzins

Head of Digital Customer Experience

Citadele banka

Jakob Palmblad

Head of Group Channel Management

Swedbank

10.05 - 10.25

Advisory

Innovation SME credit assessment: leveraging open banking and ERP data for better CX

Enrico Gambi

Analytics and Advanced Analytics Director

CRIF

10.25 - 11.00

Panel discussion

CX strategies for 2025 and beyond

Acquisition or retention: which should be the focus for 2025 and why?

Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?

From Gen Alpha to retirees: how can banks engage new demographics?

How can friction in onboarding be minimised across all channels? Who’s leading the way?

The evolution of the chatbot: to what extent will generative AI be transformational?

PFM and robo-advice: delivering value-add services that complement core offerings

The banking Internet of Things: how can increased connectivity be leveraged for hyper-personalisation?

Raising the bar in CX: what single initiative could make the biggest difference?

Camilla Dahl Hansen

Global Chief Experience Officer

Formerly Saxo Bank

Søren Rode Jain Andreasen

Head of Enterprise Digital and Innovation

CIBC US

Robin Silfverhielm

Chief Experience Officer

SBAB

Philip Haglund

Chief Executive Officer and Founder

Gimi

Andrew Stevens

CX Principal

Quadient

Stage 1 - Platforms and ecosystems

11.45 - 12.00

Case study

Raisin | Building a global savings marketplace

Kevin Mountford

Co-Founder

Raisin UK

12.00 - 12.25

Fireside chat

The next chapter of embedded finance

How will PSD3 enable further embedded finance innovation?

Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?

Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?

From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?

Compliance risks: what are the pitfalls and how can they be avoided?

Vinita Ramtri

Chief of Staff, Financial Crime/Fraud

Monzo

Saira Khan

Head of Innovation & Partnerships

First Direct

12.25 - 12.45

Advisory

12.45 - 13.15

Panel discussion

Banking in a platform economy: exploring new business models

Capitalising on the platform economy: what new business models are emerging?

Finding your BaaS niche: identifying gaps in the market and developing your proposition

From Goldman Sachs’ TxBaaS to BBVA’s open BaaS platform: who’s leading the way in BaaS innovation?

Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on?

From subscription services to white labelling: what factors should influence choice of revenue model?

Developing the propositions of tomorrow: what new value could be created with cross-sector data?

Developing and launching new business models: what are the key considerations for successful execution?

Deeptasree Mitra

Managing Director, Contextual Banking, BaaS, Embedded Finance

Deutsche Bank

Kevin Mountford

Co-Founder

Raisin UK

Caroline Berg Von Linde

Product Manager Bank 4.0 / Embedded Finance

SEB

Stage 2 - Digital Currencies

11.45 - 12.00

Keynote address

Preparing for the digital euro

Aleksi Grym

Head of FinTech

Bank of Finland

12.00 - 12.25

Keynote address

Regulation of digital currencies by MiCA and beyond: the new frontier for governance

Joachim Schwerin

Principal Economist

European Commission

12.25 - 12.45

Advisory

Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date

From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions?

The crypto wallet market: should retail banks partner or offer their own wallets?

Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank?

The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve?

From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress?

Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks?

Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks?

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Aleksi Grym

Head of FinTech

Bank of Finland

Stage 3 - Resilience and security

11.45 - 12.05

Keynote address

Ensuring cyber resilience throughout the business

Höskuldur Hlynsson

Chief Risk Officer

Central Bank of Iceland

12.05 - 12.55

Fireside chat

Taking resilience to new heights

Preparing for the DORA 2025 deadline: what more do banks need to do?

From vulnerability assessments to employee training: how can the risk of IT outages be minimised further?

Business continuity: how can banks ensure outages are within the 24 hour recovery window?

Robust disaster recovery planning: what safeguards for data retrieval must banks have in place?

From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice?

Enhancing third-party risk management and oversight: understanding the importance and the pitfalls to avoid

Setting impact tolerances for essential services: what are the key considerations?

Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare?

Dante Jackson

Senior Vice President, Head of Security Resilience

Truist

12.25 - 12.45

Advisory

12.45 - 13.15

Panel discussion

Navigating cyber risk: optimising your approach

From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025?

From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive?

What are the biggest benefits and risks of AI in cyber security? How can banks best prepare?

Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats?

Access control: what further strategies can banks employ?

Investing in employee training: is this the key to addressing the ‘weakest link’ in cybersecurity?

Höskuldur Hlynsson

Chief Risk Officer

Central Bank of Iceland

Martin Clausen

Chief Security Architect, Global Head of Cyber Security

Saxo Bank

Stage 1 - The Net Zero transition

14.20 - 14.35

Keynote address

Championing sustainability in banking

Lucilla Bruni

Executive Vice President for Sustainability & Strategy - Corporate Banking

DNB

14.35 - 14.55

Keynote address

The key role of banks in the green transition

Sarah Anwar

Head of Sustainability

Econans

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

The road to Net Zero

Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?

Building a green business: which banks have made the most progress to date, and how?

From business operations to cloud: how can banks transform internal operations to lower environmental impacts?

Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?

From heat pumps to solar panels to EV charging: how can banks better finance the green transition?

Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition?

Kadri Vunder Fontana

Group Head of Sustainability

Luminor

Trine Lysholt Nørgaard

Director, Head of Investor Relations and Sustainability

Jyske Bank

Lucilla Bruni

Executive Vice President for Sustainability & Strategy - Corporate Banking

DNB

Stage 2 - Legacy modernisation

14.20 - 14.35

Keynote address

Cloud, composability and beyond: building the bank of tomorrow

Jinhong Brejnholt

Chief Cloud Architect, Global Head of Cloud & Container Platform Engineering

Saxo Bank

14.35 - 14.55

Fireside chat

Determining your cloud strategy

Unlocking the full potential of cloud: where are banks on their transformation journeys?

Hybrid vs private vs public: which approach is most appropriate for what?

Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?

How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?

The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?

Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?

A spotlight on exit strategies: how can banks switch providers without causing major disruption?

Bjørn Hald Sørensen

Head of Technology

Lunar

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis

14.55 - 15.15

Advisory

15.15 - 15.45

Panel discussion

Defining your cloud migration strategy

Refactor vs replatform vs rebuild: how to determine which approach to take?

Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?

From loss of data to project delays: how can risks be minimised during the migration process?

Building a robust recovery strategy into your migration journey: what are the strategies for success?

Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability?

Pekka Suomalainen

Chief Information Officer

Säästöpankkiryhmä

Árni Geir Valgeirsson,

Executive Director of Digital development, IT Architecture and DevOps

Íslandsbanki

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis