Jani Ristimäki is heading financial services at BearingPoint Finland. He is an industry observer and change driver with 20+ years of experience in digital transformation of banking and financial services. Prior to his career in management consulting, Jani has worked in various strategy and business development related positions in Luottokunta, Nets and OP Financial Group. Digital banking, emerging business and delivery models, and payment innovations are close to Jani's heart.