Pål is a CTO and Industry Technical Leader within the Financial Services Sector at IBM. He has an extensive history in successfully aligning business and IT to take advantage of disruptive technologies for the benefit of IBM’s customers. He frequently presents on the subject of deriving business value and competitive advantage from technologies such as Blockchain and Cognitive Computing in a Hybrid Cloud world. In recent years, he has been helping IBM’s clients within the Banking industry to drive digital transformations and adopting a platform business model, such as Open Banking. He strongly believes the future of the banking industry will be dominated by platforms and an open API paradigm, with a strong influence from the emerging circular economy and a growing focus on sustainability to create the world we all want.