Marc Hinnenberg is director for strategic partnerships and open banking at Aktia Bank in Finland and is the chairman of the board for Aktia realtor services. He has spent the last decade in working with sales and marketing, business development, innovation and has a passion to improve the operations, competitive strength and clout of organisations through customer understanding, experience and journey planning. His recent task have revolved around developing a new Smartbank- concept for managing customer relations digitally.