Christoffer Hernæs is Chief Technical Officer at Sbanken, Norway’s first digital-only and leading challenger bank. As even digital banks are in need of digital transformation, he has led this transition since 2017. Prior to his role in Sbanken, he served as Vice President of Strategy and Innovation at SpareBank 1., as well as an extensive management consulting background.  Christoffer is respected authority in the fintech community and has his own blog at hhps://hernaes.com