Hanna Sarraf is a senior banking executive bringing nearly 30 years of experience across both traditional banking and digital, technology-enabled financial institutions. He is currently the Chief Risk Officer at Monzo Bank Europe and has previously served as Chief Risk Officer at Starling International, Group Chief Risk Officer at Bankmed, and Head of Risk Strategy at Bank of Ireland Group. Beyond his industry roles, Hanna has held leadership roles in risk and regulatory management consulting at Accenture, KPMG and Ernst & Young, where he supported UK and international clients transform their risk management practices and deliver effective results.

Hanna holds a Specialised Master’s degree in Financial Engineering from ESSEC Business School and an MSc in Finance from Dauphine University in France. He has authored many articles on financial risk management and is a frequent speaker at leading UK and international conferences.

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

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

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

Joaquin Dimas is a CX expert at msg for banking who helps organizations translate customer experience from a strategic concept into tangible results. His focus is not merely on improving the customer experience at individual touchpoints, but on making it effective through the holistic orchestration of sustainable end-to-end processes, user-friendly journeys, and memorable customer experiences.

Lodh is Head of AI for Hyperlayer, a programmable banking platform that helps financial institutions design, launch and govern products in weeks, without disrupting the core they trust. He brings more than 20 years of experience designing, building and running world-class AI applications integrated with robust data governance across regulated industries.

Over 13 years of deep expertise in Open Banking and Open Finance, with a track record of transforming complex (regulatory) challenges into customer-valued products.

Adam Busznyak Rydh is Regional Vice President Sales EMEA at nCino, leading enterprise sales across the Nordics, Baltics, and CEE. With 17+ years of banking and fintech experience — including 13 years at Nordea across commercial banking, large corporates, and capital markets — he helps banks modernize credit decisioning, lending, and KYC through AI-driven cloud technology.