9.00 - OPENING WORDS
Agenda
Check out our Digital Banking & Digital Payments agendas
Digital banking
"From Rails to Platforms and Beyond"
connect
8.00 - DOORS OPEN
- Morning hygge with light breakfast
- Early Bird catches the worm. Arrive early to connect with as many old and new colleagues as possible
- Let the fintech fest begin - Learn, Grow, Connect, Party
keynote
#strategy
#vision
9.10 - banking in 2035: how money, loans and investing will change forever
Georg Hauer
Fintech & Digital Banking Advisor | Former N26 General Manager
- How will banking look in 2035?
- What will drive innovation in retail banking, and how will it shape the way we interact with our bank?
- What can we learn about innovation from other countries like China, Korea and Brazil?
#platformisation
9.30 - Reinventing Banking: The Next Generation is Now
Barry De Leeuw
Director Solutions Engineering, Backbase
- More details coming soon
keynote
#tokenisation
9.40 - Wall Street Racing to Leverage Digital Assets in “Core Banking”
David Cunningham
Head of Strategy & Partnerships for Digital Assets, Treasury and Trade Solutions at Citi
- The role of tokens and wallets in building the 24/7 instant cross-border bank
- Upgrading cash management and trade finance offerings using tokenised deposits and smart contracts
- Open community or exclusive token services?
- Leveraging tokenised assets without adding new risks
connect
10:00 - break
- Head to the coffee stand and meeting area for your pre-booked meetings. Don't be late!
keynote
#strategy
10.30 - Evolving Banking Business Models
Kelvin Tan
CEO & Co-Founder at audax
- The current banking paradigm: issues with core application interaction
- Challenges in modern banking: scale, data and integration issues
- Evolving banking business models: Digital banks, Embedded Finance and Banking-as-a-Service
- Moonshot: Banks as the central nervous system of economic activity
#personalisation
10:50 - Unlocking Organic Growth Through Personalisation and Behavioural Finance
James Pereira-Stubbs
Chief Client Officer at Oxford Risk
- Help investors make better financial decisions through behavioral finance
- Unlock a greater share of wallet and retention of assets under management through personalisation
- Increase engagement and improve client experience with behavioral finance
- Meet compliance and regulatory requirements
- Achieve 10%+ organic revenue growth
keynote
#strategy
11:00 - Building a Digital Bank - How Europe’s Latest Bank and Sweden's Fastest Growing Fintech Does it?
Emil Sunvisson
CEO at Qred
- Building the best bank for entrepreneurs and small businesses and scaling it as a platform
- The potential of AI for growing experience, engagement and efficiency in financing
- Life as a neo-bank - Is it part of growing up or more like being reborn?
#datadriven
11:15 - Unlocking the value of transactional data in the customer journey
Alessandro Vilardi
EMEA & Asia Digital Director, CRIF
- The hidden value of transactional data
- Increasing the accuracy in risk assessment
- Perfom more effective business development activities
- Real cases: benefits of transactional data in banks' processes
panel
#EMBEDDED
11:25 - Uncovering The Opportunities in Embedded Finance
Armands Liseks
CEO & Co-Founder at inGain
Eric Deighton
CFO at Vapaus
- Opportunity 1: Banks getting creative with customer-centric products
- Opportunity 2: Fintechs replicating banks
- Opportunity 3: Non-finance industries and business model innovation
#rails
11:40 - Building a KYC-compliant digital customer onboarding solution on stage with no code
Gavin Gaudet
Tribe Lead, Value Added Product and Portals at Signicat
Robin Wilgott
Product Manager at Signicat
- Step 1: Getting AML, identity verification, eID, passport, address confirmation, PEP and Sanctions screenings out the way
- Step 2: The way around common IT pitfalls to maximise value creation
- Step 3: Demo and live publishing of the new simple onboarding flow
#datadriven
11:50 - Bringing Data and AI to the Heart of your Digital Banking Strategy
Stefan Alariksson
Head of Nordic at Dun & Bradstreet
- Validated trust built for speed
- Leveraging people to unleash AI
- Choosing your copilot to enable a data driven digital banking strategy
- Changing gears without risking losing trust
#datadriven
12:05 - Beyond the Surface: Why the New Credit Register May Fall Short
Magnus Källhager
Chief Analytics Officer & Co-Founder at Kreditz
- What are the limitations of the new Finnish credit register?
- Sharing insights from other markets
- Strategies for combating financial crimes, such as lending fraud, using innovative approaches beyond traditional data
- Explaining how integrating Open Banking/PSD2 data can enhance credit decisions and ensure regulatory compliance
- Unlocking the potential of data integration for smarter lending in the Nordics
connect
12:15 - lunch
#trends
13:30 - Swipe right for engaging with next-generation
Tommi Hinkkala
Partner Lead at Siili Solutions
- Next generation will expect different approach as banking customer but also as workforce with tomorrow’s skills
- What do you need to take into consideration to attract and win over Gen Z?
#datadriven
13:40 - The Strategic Aspects of Data Management in the Age of AI and Increased Regulation
Anna Haapanen
Partner, Head of Technology & Data at Dittmar & Indrenius
- Connecting the dots between data strategy and governance
- How to strategically organise banking around data?
- Who controls vs. owns the data and what practical meaning does it have for the organisation?
#wallets
13:55 - Cross-Border Lending - Making the Impossible Possible with a Passportable Financial Identity
Kaido Saar
CEO & Co-Founder at Mifundo
- Owning and transporting your data enabling free movement of people
- How to fix fragmented data to enable pan-European credits and lending?
- A look at the EU Digital Wallet and the impact it will have
#tokenisation
14:10 - Keeping up with the EU Digital Finance Package - The Impact of MiCA on the European Financial Market Risk Landscape
Tadas Češkevičius
Chief Business Development Officer at AMLYZE
- Navigating the evolving risk landscape - How is MiCA (Markets in Crypto-Assets Regulation) reshaping risk exposure for market participants?
- Addressing the new challenges and vulnerabilities for traditional stakeholders such as banks and fintechs introduced by MiCA
- Balancing Innovation and Compliance - The need for proactive risk management practices, and collaborative efforts to avoid de-risking
#api
14:25 - Unlocking Opportunities in Open Finance under the EU FIDA through Collaboration and InnovatioN
Sarah Häger
CCO at EnableBanking
- Collaboration between traditional financial institutions, fintech firms, and regulators to drive innovation in open finance
- Role of standardization and interoperability in promoting a vibrant open finance ecosystem
- Opportunities for startups and developers to leverage open finance platforms and APIs
panel
#tokenisation
14:40 - wHAT ARE THE STRATEGIES FOR INSTITUTIONALISING DIGITAL ASSETS
Ville Sointu
Chief Strategist, Digital Currencies at Nordea
Barbara Seelos
Commercial Lead at Bitpanda
Antti-Jussi Suominen
CEO at Coinmotion
- Understanding the tokenisation revolution: How do we see it playing out?
- What role will digital assets play in reshaping traditional finance?
- How to prepare for the next generation of financial markets?
- Building the ecosystem for unlocking new possibilities and democratizing access to assets
keynote
#ai
#rails
14:55 - efficiency in tech innovation: Uniting Ai, people and it for the future adaptive bank
Ove Scavenius
CTO (upoming) at Eira Blue Securities
- How do banks and other large enterprises organise development teams into efficient high-performance teams?
- How should we equip those teams with efficient technology and codebase (and mentality toward coding and structure) to develop in a timely and competitive manner?
- Should the overall corresponding data foundation be structured to support the above?
keynote
#analysis
15:15 - Closing: AI will be the biggest change-maker in financial services since the credit card
Linas Beliūnas
Fintech Executive & Influencer
- By 2030, AI could potentially deliver $1 trillion of additional value for financial technology companies. Every year
- 90% of FinTechs already using AI and seeing major benefits like personalized advice, faster fraud detection, and 80% improvements in speed and accuracy
- Apple is building the future of AI-driven Finance, JPMorgan just launched IndexGPT, Klarna is replacing workers with ChatGPT, and more. This is the paradigm shift
- Thanks to AI, entrepreneurs will be able to build 2-3 person FinTech unicorns
15:35 - wrapping up digital banking
connect
16:00 - After work
- Network with a talkative Swede or a mute Finn
connect
16:00 - fintech scalers investor roundtable
The Fintech Scalers Investor Roundtable brings together leading investors in the financial technology sector for an insightful exchange of ideas and strategies.
The roundtable offers a platform for investors to share their experiences, successes, and challenges in backing promising fintech startups. Attendees engage in dynamic discussions on market trends, strategic partnerships, and innovative approaches to supporting the growth of disruptive ventures in the financial industry. Through collaborative dialogue, participants aim to forge new connections and gain actionable insights for their fundraising and scaling endeavours.
connect
18:00 - fintech happy hour
connect
20:00 - After party with karaoke
Digital PAYMENTS
"The Four Pillars of Future Payments"
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#instant
#frictionless
10:30 - European Payments Landscape 2024-2026
Giorgio Andreoli
Diretor General at European Payments Council
- A2A and Instant Payments’ developments post IPR
- New VOP (Verification of Payee) scheme and EPC Directory Service
- Request-to-pay and e-invoicing
- SPAA and the evolution of open banking
- OCT Inst scheme for instant international payments
KEYNOTE
#sustainable
10.45 - Green Gateways: Payments as a Key Driver for ESG Sustainability Transformation
Monika Liikamaa
Co-CEO & Co-Founder at Enfuce
- Cashless, Cardless and Carbonless - Green payment by design
- Payments as an effective tool in the fight against climate change
- What tools does the payments industry have for greener payments?
- No single company can tackle this alone
#frictionless
11:00 - Unfolding the Sustainable Future of Payments with ISO 20022 - the biggest change in payments in 20 years
Harri Rantanen
Corporate Banking Ecosystem Development at SEB
- Enriched financial data connecting the dots of AI, ESG and AML
- What data driven in payments really means and what opportunities lie in the payments supply chain?
- Embracing real-time and end-to-end messaging in treasury with a global, strandardised information data exchange
#cbdc
11:15 - How the Standardisation of Payment Messages can Complement the Development of Open Banking and Open Finance?
Juha Keski-Nisula
COO & Founder at XMLDation
- What is the status of developing and issuing digital currencies by central banks?
- What role can fintechs' play around CBDC's?
- Digital euro experimentation scope and key learnings
#EMBEDDED
11:25 - HELPIG BANKS CAPITALISE ON OPEN BANKING, ACCOUNT-TO-ACCOUNT (A2A) PAYMENTS AND EMBEDDED FINANCE
Christoffer Andvig
CEO & Founder at Neonomics
- What are banks missing in PSD2 and how to make it profitable at scale?
- Uncovering hidden value in the embedded finance ecosystem and zooming in on the revenue models for banks
- Helping banks discover new markets with and end-to-end embedded finance ecosystem
- Leveraging the data and analytics for a seamless customer experience
panel
#instant
11:35 - Serving up Instant Payments - How will Instant shape the future of payments?
Niklas Lemberg
Head of Industry Engagement at Nordea
Fredrik Tallqvist
Finland and Baltics at EBA CLEARING
Jarmo Heilakka
Senior Infrastructure Manager at Danske Bank
- Where's the Beef midst regulation and reality?
- Challenges: What are the main challenges in moving from batch to instant processes and what are the critical points in the value chain?
- Benefits: Who are the stakeholders and what are the main benefits from instant payments (Who benefits the most and who doesn't)?
- Opportunities: What will follow from instant becoming the norm and what are the services that we need for the potential to fulfill?
#rails
#datadriven
11:55 - THE NEW NETS - GOING BEYOND PROCESSING, CREATING VALUE WITH DATA
Mia Viklund
Regional Director Finland at Nets
Flaminio Francisci
Group director of customer value management and data science at Nexi
- Nordic Banks have a great portfolio and products and services.
- To further differentiate, cross-sell and be commercially successful in a competitive environment CVM is a key tool.
- CVM uses data and technology to create affiliation
#cross-border
#ecosystem
12:10 - Fintech evolution & the future of partnerships ecosystem
Svetlana Minina
Finance Director at Wise
- How have financial technology companies evolved over the past decade on the example of Wise?
- What are the current trends in the industry?
- What’s the role of partnerships in the future of the financial ecosystem?
connect
12:25 - lunch
#embedded
#bnpl
13:30 - A Strategic Overview of the Payment Landscape from a Merchant Perspective and the Current State of BNPL
Mikko Riikkinen
Head of DACH at Sprinque
- How BNPL is revolutionising B2B e-commerce
- Flexible payment terms without the risk of non-payment
- Achieving instant online credit terms for overseas suppliers
panel
#embedded
#merchant
13:45 - Embedded Payments at the Heart of Future Merchant Solutions
Mikko Riikkinen
Head of DACH at Sprinque
Kilian Thalhammer
Managing Director, Global Head of Merchant Solutions at Deutsche Bank
Johannes Hill
Head of Business Area Partnerships at Mynt
Linus Olofsson
Head of Business Development, Nordics and Baltics
- Understanding the opportunities and strategic choices for embedded payments
- Balancing opportunities with risks for successful partnerships around embedded payments
- Exploring the limitations and realities of embedded finance from a payment perspective
- Where does the growth in embedded payments come from?
case
#embedded
13:55 - Case Wolt: The digital finance backbone enabling scalable marketplace excellence
Anniina Heinonen
Managing Director, Payments at Wolt
- Wolt at the forefront of a diverging financial services trend
- Integrating financial services in to digital marketplace strategy and business development
- The hybrid fin-stack for scaling digital financial solutions across 19 ETA countries
panel
#ai
14:10 - Exploring the AI Revolution in Payments
Elisa Christersson
Country Lead Finland at Klarna
Anna Maj
Fintech Leader & Strategic Advisor
- More details coming soon
#cross-border
14:25 - Innovation in X-Border and Travel payments
Oliver Dean
Chief Administrative Officer at Thredd
- More details coming soon
#cross-border
14:40 - Glocal Transactions - A Deep Dive into Cross-Border Payments and Future Money Movement Solutions
Antti Karhu
SVP, Director, Payment Services at OP Financial Group
Gabriela Giannattasio
VP, EMEA at Veritran
- More details coming soon
panel
#ai
#OPEN
14:55 - How to Prepare as a Treasury to a Changing Payment Landscape?
Liisa Kanniainen
VP, Strategic Lead at Nordea
Veikko Koski
CEO & Founder at FinanceKey
Liina Samotoilova
Finance Lead at Supercell
- Where are we now and why Finland is the perfect ecosystem to transform finance for treasuries?
- What are the expectations of global businesses for treasury, cash-management and money movement?
- What will real-time treasury look like and what are its disruptive benefits and effects for businesses?
- How will we get there - what are the obstacles facing us and how to overcome them?
#ai
15:10 - Digital wallets: the future interfaces for payments, asset management and banking
Jin Jeong
Managing Director at Apis Partners
- Super app wallets, decentralized wallets, embedded smart wallets
- Technology driving explosion of new financial assets and solutions
- The rise of internet of value leading to financialisation of everything
- Gaming, media and crypto industry will lead this transformation
keynote
#fast
#frictionless
15:30 - Megatrends in the global payments landscape and a look at emerging business models
Anna Maj
Fintech Leader & Strategic Advisor
- Global vs. local dynamics in the payments landscape
- The growing demand for specialised payment solutions
- Advancements in cross-border payments and interoperability
- Cross-border payment development enabling interoperability in the payment infrastructure-
- Deals and transactions: The wave of consolidation vs market fragmentation facing the payment sector
15:50 - wrapping up digital payments
connect
16:00 - Afternoon Pre-Connect
- Network with a talkative Swede or a mute Finn
connect
17:30 - After work
connect
20:00 - After party with karaoke
WHAT ELSE?
Networking
With +700 industry decision-makers
Speakers
From fintech and banking industry around the world
Side-events
For more networking and fun
Expo area
With +30 innovative exhibitors
AFTER PARtY
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