Agenda

Check out our Digital Banking & Digital Payments agendas

stage/
time

Digital banking

"From Rails to Platforms and Beyond"

Digital payments

"The Four Pillars of Future Payments"

8:00
connect
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
9:00
OPENING WORDS
  • Let the fintech fest begin - Learn, Grow, Connect, Party
9:10
keynote
#ai
#architecture
Managing Innovation in the Financial Markets in the Age of AI and Emerging Technologies

Hanna Helin

Head of Technology Innovation at London Stock Exchange Group

  • Taking stock of the level and need for innovation in the financial sector
  • What are the emerging technologies and their realistic potential in the near future?
  • How is AI being deployed within LSEG in 2024 and beyond?
KEYNOTE
#5thpillar
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
9:30
keynote
#EMBEDDED
Evolving Banking Business Models

Kelvin Tan

CEO & Co-Founder at audax

  • Digital banks - convenience or cost of capital?
  • Innovating banking products and services with embedded finance
  • Super banks - envisioning the central nervous system of economic activity
panel
#CROSSBORDER
Cross-Border Harmony Panel: Navigating International Payment Regimes for a Unified Future

Niklas Lemberg

Head of Industry Engagement at Nordea

  • What are the key international payment harmonisation initiatives?
  • What is their short and long-term objective and effect
  • Harmonising International Payment Regimes

09:50
keynote
#ai
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?
#fast
#frictionless
Turning a Page: Achieving Full Instant Payments Deployment across Europe
  • Euro credit transfers to over 36 countries in ten seconds
  • Full Deployment of Instant Payments at European Level
  • Implementing the “Verification of Payee” services
10:05
connect
break
  • Head to the coffee stand and meeting area for your pre-booked meetings. Don't be late!
10:35
#architecture
The Big Platform Shift - From Traditional to Engagement Banking
  • Rethinking the operating model
  • Empowering customers and employees
  • Incremental progressive modernisation
  • Unified Business and IT teams in one digital factory
#fast
#FRICTIONLESS
Inside B2B Payments - The Rise of Buy Now, Pay Later in the Payment Landscape

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
10:45
#EMBEDDED
Beyond Banking - The Embedded Finance Market Opportunity

Armands Liseks

CEO & Co-Founder at inGain

  • Opportunity 1: Banks getting creative with customer-centric products
  • Opportunity 2: Fintechs replicating banks
  • Opportunity 3: Non-finance industries and business model innovation
#frictionless
Swift and Seamless: Unveiling the Next Frontier of Instant Payments Evolution
  • Can instant also be more secure?
  • Navigating the different real-time payment rails
  • Winning the RTP race
11:00
#embedded
Unleashing the CFO Growth Hack: Demystifying Embedded Finance with Case Vapaus
  • The challenges and lessons of embedding finance
  • Building an employer-financed sustainable mobility product
  • How to become the biggest bicycle vendor in Finland
#FAST
#secure
PSD3 Unveiled: Shaping the Future Landscape of the EU Payment Regulations
  • Understanding PSD3 and PSR (and EMD2 and FiDA)
  • Changing the European payment market framework
  • Legal and operational perspectives
11:15
#architecture
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
case
#frictionless
Embedding Payments - Weighing the Pros and Cons of a Payment Institution License as a Non-Financial Platform Operator

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
11:30
panel
#OPEN
#EMBEDDED
Panel: Towards a New Risk Management Model for Banking as a Service (BaaS)?
  • Bank IT and  supervisory concerns
  • Board oversight, governance, and internal controls
  • Consistent third-party risk management guidance The AI Bank of the Future
#fast
#secure
Strategic Card Issuing: Unleashing the Power of Plastic in a Digital World
  • Redefining card issuance
  • Combining traditional payment cards with virtual and digital cards
  • Customised credit card programs
11:50
panel
#ai
#ARCHITECTURE
PANEL: Regtech to the Rescue - Making Inter-Bank Data Sharing Possible and Fixing the Missing Link in Fighting Financial Crime
  • Where are we with the use of privacy-enhancing technologies (PET’s)?
  • Experimenting with synthetic data
  • Identifying crime patterns in real-time payment systems without breaching privacy
#fast
#secure
Real-Time Vigilance: Mastering Payment Monitoring in the Digital Era
  • Fighting fraud with real-time payment monitoring
  • 'Analysing data, transactions and user behaviours real time
  • Adapting to new threats and keeping up with fraudsters
12:10
connect
lunch
13:40
panel
#open
Current State of API Economy and the Business of Open Banking
  • The open banking ecosystem - Win-win-win or winner takes it all?
  • The existing market reality under PSD2 - Case closed or missing one leg?
  • Where is open banking heading and are banks finding their place and profitability?
  • Uncovering opportunities for innovation and envisioning windows of opportunity

#frictionless
Frictionless Velocity: Examining the Convergence of Fast to Seamless Payments
  • How Fast is Becoming Frictionless with tokenisation?
  • NFC enabling in-store direct bank payments
  • Mobile and digital wallets combined with biometric authentication
13:55
panel
#open
From Open Banking to Open Finance and Financial Data Access
  • Financial data sharing schemes and standards
  • Personalised financial products at lower costs - too good to be true?
  • Uncovering the value in financial data
#fast
#frictionless
#secure
Wallets Redefined: Pioneering the Next Era of Secure and User-Centric Payments
  • The elephant in the room: How long will tech giant’s mobile wallets remain unsupervised?
  • The importance of AI for digital wallets and payments
  • Banking on IoT connectivity
14:10
case
#open
#architecture
B2B Finance Automation and B2B Digital Banking
  • Cut invoice processing time in half
  • Automating end-to-end payables and reducing manual workload by 80%
  • Increase financial controls and reduce payment risk
#secure
Central Bank Digital Currencies (CBDCs): The Revolution Unveiled
  • Greater integrity an efficiency with digital currency and blockchain
  • CBDC has the potential to transform the future of payments
  • Programmable money and other CBDC use cases
14:25
keynote
#ai
#OPEN
Banks Leveraging Digital ESG to Support Green Business Transformation
  • Helping customers to pivot to sustainable business
  • Providing digital ESG support to borrowers and other customers
  • Use of AI and satellite technologies to enable broader information gathering
#frictionless
Embedded Lending: Unravelling the Business Models Behind BNPL and other POS financing models
  • BNPL vs embedded lending - The evolution of POS consumer finance
  • The path towards omnichannel financing experience online and in-store
  • The role of banks in BNPL type white-label lending
14:40
keynote
#ai
Keynote: The AI Bank of the Future

Linas Beliūnas

Fintech Executive & Influencer

  • AI in finance today and a look at real generative AI use cases
  • AI is transforming finance - understanding the impact of the first open-source LLM for finance
  • Who wins when everyone digs for gold and
keynote
#fast
#frictionless
Innovate or Stagnate: Navigating the Transformative Landscape of Payment Business Models

Anna Maj

Fintech Leader & Strategic Advisor

  • Banks and PSPs keeping up with disruption
  • Will convenience prevail over cost of capital?
  • Value beyond payments - integrated solutions for consumers and merchants
15:00
Wrapping Up DIGITAL BANKING
Wrapping Up DIGITAL PAYMENTS
15:10
connect
Afternoon Pre-Connect
  • Network with a talkative Swede or a mute Finn
16:00
connect
afternoon connect

Digital banking

"From Rails to Platforms and Beyond"

Digital payments

"The Four Pillars of Future Payments"

8:00
networking
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
9:00
other
OPENING WORDS
  • Let the fintech fest begin - Learn, Grow, Connect, Party
9:10
ai
architecture
Managing Innovation in the Financial Markets in the Age of AI and Emerging Technologies

Hanna Helin

Head of Technology Innovation at London Stock Exchange Group

  • Taking stock of the level and need for innovation in the financial sector
  • What are the emerging technologies and their realistic potential in the near future?
  • How is AI being deployed within LSEG in 2024 and beyond?
keynote
#5thpillar
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
9:30
EMBEDDED
Evolving Banking Business Models

Kelvin Tan

CEO & Co-Founder at audax

  • Digital banks - convenience or cost of capital?
  • Innovating banking products and services with embedded finance
  • Super banks - envisioning the central nervous system of economic activity
panel
#CROSSBORDER
Cross-Border Harmony Panel: Navigating International Payment Regimes for a Unified Future

Niklas Lemberg

Head of Industry Engagement at Nordea

  • What are the key international payment harmonisation initiatives?
  • What is their short and long-term objective and effect
  • Harmonising International Payment Regimes

09:50
ai
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?
#fast
#frictionless
Turning a Page: Achieving Full Instant Payments Deployment across Europe
  • Euro credit transfers to over 36 countries in ten seconds
  • Full Deployment of Instant Payments at European Level
  • Implementing the “Verification of Payee” services
10:05
connect
break
  • Head to the coffee stand and meeting area for your pre-booked meetings. Don't be late!
10:35
topic
The Big Platform Shift - From Traditional to Engagement Banking
  • Rethinking the operating model
  • Empowering customers and employees
  • Incremental progressive modernisation
  • Unified Business and IT teams in one digital factory
#fast
#FRICTIONLESS
Inside B2B Payments - The Rise of Buy Now, Pay Later in the Payment Landscape

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
10:45
EMBEDDED
Beyond Banking - The Embedded Finance Market Opportunity

Artis Gromuls

Position, Company name

  • Opportunity 1: Banks getting creative with customer-centric products
  • Opportunity 2: Fintechs replicating banks
  • Opportunity 3: Non-finance industries and business model innovation
#frictionless
Swift and Seamless: Unveiling the Next Frontier of Instant Payments Evolution
  • Can instant also be more secure?
  • Navigating the different real-time payment rails
  • Winning the RTP race
11:00
embedded
Unleashing the CFO Growth Hack: Demystifying Embedded Finance with Case Vapaus
  • The challenges and lessons of embedding finance
  • Building an employer-financed sustainable mobility product
  • How to become the biggest bicycle vendor in Finland
#FAST
#secure
PSD3 Unveiled: Shaping the Future Landscape of the EU Payment Regulations
  • Understanding PSD3 and PSR (and EMD2 and FiDA)
  • Changing the European payment market framework
  • Legal and operational perspectives
11:15
architecture
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
case
#frictionless
Embedding Payments - Weighing the Pros and Cons of a Payment Institution License as a Non-Financial Platform Operator

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
11:30
OPEN
EMBEDDED
Panel: Towards a New Risk Management Model for Banking as a Service (BaaS)?
  • Bank IT and  supervisory concerns
  • Board oversight, governance, and internal controls
  • Consistent third-party risk management guidance The AI Bank of the Future
#fast
#secure
Strategic Card Issuing: Unleashing the Power of Plastic in a Digital World
  • Redefining card issuance
  • Combining traditional payment cards with virtual and digital cards
  • Customised credit card programs
11:50
ARCHITECTURE
PANEL: Regtech to the Rescue - Making Inter-Bank Data Sharing Possible and Fixing the Missing Link in Fighting Financial Crime
  • Where are we with the use of privacy-enhancing technologies (PET’s)?
  • Experimenting with synthetic data
  • Identifying crime patterns in real-time payment systems without breaching privacy
#fast
#secure
Real-Time Vigilance: Mastering Payment Monitoring in the Digital Era
  • Fighting fraud with real-time payment monitoring
  • 'Analysing data, transactions and user behaviours real time
  • Adapting to new threats and keeping up with fraudsters
12:10
connect
lunch
13:40
open
Current State of API Economy and the Business of Open Banking
  • The open banking ecosystem - Win-win-win or winner takes it all?
  • The existing market reality under PSD2 - Case closed or missing one leg?
  • Where is open banking heading and are banks finding their place and profitability?
  • Uncovering opportunities for innovation and envisioning windows of opportunity

#frictionless
Frictionless Velocity: Examining the Convergence of Fast to Seamless Payments
  • How Fast is Becoming Frictionless with tokenisation?
  • NFC enabling in-store direct bank payments
  • Mobile and digital wallets combined with biometric authentication
13:55
open
From Open Banking to Open Finance and Financial Data Access
  • Financial data sharing schemes and standards
  • Personalised financial products at lower costs - too good to be true?
  • Uncovering the value in financial data
#fast
#frictionless
#secure
Wallets Redefined: Pioneering the Next Era of Secure and User-Centric Payments
  • The elephant in the room: How long will tech giant’s mobile wallets remain unsupervised?
  • The importance of AI for digital wallets and payments
  • Banking on IoT connectivity
14:10
open
architecture
B2B Finance Automation and B2B Digital Banking
  • Cut invoice processing time in half
  • Automating end-to-end payables and reducing manual workload by 80%
  • Increase financial controls and reduce payment risk
#secure
Central Bank Digital Currencies (CBDCs): The Revolution Unveiled
  • Greater integrity an efficiency with digital currency and blockchain
  • CBDC has the potential to transform the future of payments
  • Programmable money and other CBDC use cases
14:25
AI
OPEN
Banks Leveraging Digital ESG to Support Green Business Transformation
  • Helping customers to pivot to sustainable business
  • Providing digital ESG support to borrowers and other customers
  • Use of AI and satellite technologies to enable broader information gathering
#frictionless
Embedded Lending: Unravelling the Business Models Behind BNPL and other POS financing models
  • BNPL vs embedded lending - The evolution of POS consumer finance
  • The path towards omnichannel financing experience online and in-store
  • The role of banks in BNPL type white-label lending
14:40
ai
Keynote: The AI Bank of the Future

Linas Beliūnas

Fintech Executive & Influencer

  • AI in finance today and a look at real generative AI use cases
  • AI is transforming finance - understanding the impact of the first open-source LLM for finance
  • Who wins when everyone digs for gold and
fast
#fast
#frictionless
Innovate or Stagnate: Navigating the Transformative Landscape of Payment Business Models

Anna Maj

Fintech Leader & Strategic Advisor

  • Banks and PSPs keeping up with disruption
  • Will convenience prevail over cost of capital?
  • Value beyond payments - integrated solutions for consumers and merchants
15:00
other
Wrapping Up DIGITAL BANKING
Wrapping Up DIGITAL PAYMENTS
15:10
connect
Afternoon Pre-Connect
  • Network with a talkative Swede or a mute Finn
16:00
connect
connect

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

Legendary Helsinki karoke night

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