Thank you for joining us at Future Digital Finance Forum 3!
Finanssialan tulevaisuus on taas täällä!
Future Digital Finance Forum kokoaa jälleen alan edelläkävijät ja vaikuttajat pohtimaan yhdessä toimialan digitalisaatioon ja säröilyyn liittyviä mahdollisuuksia ja haasteita.
Kaksipäiväisen tapahtuman ensimmäinen päivä tulee käsittelemään erityisesti finanssialan uusimpia trendejä, kuten open bankingia, alustataloutta ja ekosysteemejä avoimine rajapintoineen, merkittävimpänä ajurina tietysti PSD2.
Toisena seminaaripäivänä pureudutaan vakuutusalan murrokseen ja sen aiheuttajiin, kuten insurtechiin, vertaisvakuutuksiin, uuden teknologian mahdollistamiin datankeräysmenetelmiin, sekä liiketoiminnan digitalisointiin.
The Future of Finance is Here!
Future Digital Finance Forum gathers the pioneers and decision makers to discuss the opportunities and challenges caused by digitalization and disruption in the industry.
First day of the two day event will focus particularly on the latest trends in finance sector, such as open banking, modern ecosystems, and API:s, spearheaded by PSD2.
Second day of the event will dig into the changes in the field of insurance, driven by insurtech, P2P insurance, big data gathering and utilization and digitalizing business processes.
Joining the event
Wednesday 26.4 – Full Day of Banking&Finance
8.30 Doors Open
– Registration begins
– Breakfast is being served
9.05 Welcoming Words
– By organizers and partners
9.15 Opening keynote: Where Finland Stands in Digital Finance
Olli Rehn, Member of the Board at Bank of Finland
9.30 Banking Redefined – All Digital
– What is going on in the (r)evolution of banking
– Neobanking providing better user experience and global scalability with lower costs
– Banking gets more connected and more customized
Indrek Neivelt, CEO & Co-Founder at Pocopay
9.55 Data and Technology Driving Growth – Looking at Banking Industry from Google Perspective
– Mobile & apps changing consumer behavior
– Data & technology enabling superior customer engagement across the full funnel
– Role of brand building in financial industry
Hanna Kivelä, Industry Leader at Google
10.20 Networking and Snacks
10.50 Positioning Banks and Fintechs in a Global Competition
– How is globalization and customer behavior change affecting financial services
– What is the recipe for a successful fintech + bank collaboration
– The way TransferWise grew into a billion dollar company
Lars Trunin, Product Manager at Transferwise
11.15 What You Need to Understand About Partnerships Between Banks and Fintech Companies (but were too afraid to imagine)
– In closing successful partnerships, how to take into account the impact of innovation maturity and organizational issues, the hype cycle, change management and differences in personalities. A practical, critical assessment.
Martti Granberg, Head of Market Development, EMEA at BBVA
11.45 A Big Leap Forward
– APItalism and IOT has arrived into financial services
– How can these boost innovation?
Vesa Tukonen, Country Manager at Visa Europe
12.10 Lunch and Open Networking
12.50 Startup Club – Fintech
– Listen to pitches and exchange thoughts with the most interesting startups in the field, brought to you by Samlink
13.50 Banking as a Platform – A Realistic Solution for Traditional Banks?
– What will the consumer expectations be after PSD2?
– Will banks become front-end service provider or just technology providers?
– How to become successful in API-Banking?
Lars Markull, API Evangelist at figo
14.20 Winning PSD2/XS2A -strategies panel
– PSD2 is the single biggest change ever in the banking industry. How to handle it?
Markku Huotari, Head of PSD2 at OP
Jarkko Turunen, Head of Open Banking at Nordea
Lars Markull, API Evangelist at figo
Antti Pennanen, Founder & CEO at MONI
Moderated by Petri Syvänne, Head of Accenture Payment Services Nordic
15.00 Networking and Snacks
– Ask about PSD2 or FIN-FSA’s Innovation HelpDesk from the experts of Financial Supervisory Authority
15.30 Open Banking – The Day After You Launch Your Developer Portal
– Are banks becoming platforms?
– Anatomy of an Open Banking Community
– 6 lessons how to build a fintech community the right way
Ismail Chaib, COO at Open Bank Project
15.55 From Legacy to Fintech -transformation
– What is Nordea Core Banking Program?
– Transforming into a truly digital bank
– How to manage a change this big?
Stefan Kulik, Head of Transformation Office at Nordea
16.25 Nordic Fintech Scaling for the World
– Key takeaways from the Nordic Fintech Disruptors Report
– Nordic fintech collaboration
Susanne Hannestad, CEO at Fintech Mundi
16.50 Extra Program
17.00 Networking Evening
Vappu themed drinks and snacks. Varma Hack Final pitches on the stage.
Doors close at 19.00
Thursday 27.4 – Full Day of Insurance
8.30 Welcome Back
– Second-day registration
– Breakfast is being served
9.10 2nd Day Kickoff
9.15 Opening Keynote: Insurance at Risk: Where Do We Go from Here?
– What do our customers really want?
– Industry boundaries are blurring
– Reshaping the strategic landscape
– Creating customer value in newly defined markets
– Megatrends and how are they are affecting insurance
Peter Maas, Professor at University of St Gallen
9.45 LocalTapiola in the Disruptive Insurance Market
– How to transform a 125 years old company
– Life Long Security as a new strategy
– From products to services and claims to prevention
– How can technology help customers?
Harri Lauslahti, CEO at LocalTapiola Services
10.15 Networking and Snacks
10.45 Technology as Driver of Efficiency and Innovation in Insurance
– How to embrace technology
– Where is the innovative threat coming from? If there is any
Risto Rossar, CEO & Founder at Insly
11.10 Place Your Insurance Corporation at the Heart of Insurtech
– Taking risks as an incumbent: rewarding the organization from risk taking on a personal level and encouraging ‘intrapreneurs’
– Adapting to the digital trends and the 4th industrial revolution: keeping up with key trends that revolutionize how business is done and processes run
– Developing a customer-centric approach
– Facilitating symbiotic relationships between startups and incumbents
– Taking a view on the regulation and its impact on InsurTech, and vice versa
Tomi Fyrqvist, Associate, AXA Strategic Ventures
11.35 Modernizing Pension Insurance
– Pension insurance challenges, architecture and processes
– Digitalization in pension sector
– Customer is the key, customer-centric orientation
– Future scenarios
Tiina Kurki, SVP Pension Services and IT at Varma
12.10 Lunch and Open Networking
12.50 Startup Club – Insurtech
– Listen to pitches and exchange thoughts with the most interesting startups
13.50 Insurtech – The Future Begins Now
– Overview of the Connected Insurance/Insurtech paradigm
– The impact of IoT on the insurance value chain
– Maximizing value for clients and insurers alike
– Focus on micro-insurance as a game changing trend of insurtech
– Best practices and what the future of insurtech holds
Andrea Silvello, Co-Founder at Neosurance
14.20 P2P Insurance: Fair Crowdsurance model
– Various peer-to-peer insurance models exist but most do not bypass the insurance companies like peer-to-peer lending bypasses the banks
– Crowdsourcing can play an important role in claims managements and capital management of insurance functionality
– Fair Crowdsurance has launched a radically different new model that is being piloted in Finland
Tero Weckroth, Owner at WRCC Advisers
14.50 Networking and Snacks
15.20 Big Data is the New Oil in Financial Services
– New ways of collecting data using IOT and Social Media
– Making use out of all the data
– Algorithms and automation
Ilkka Suojanen, CTO at Esri Finland
15.50 With Great Data Comes Great Responsibility – EU Data Protection Directive
– New GDPR – What does it mean to you?
Jaakko Lindgren, Partner at Dottir Attorneys
16.20 Wrap Up and Ending Words
-What will future bring us?
Wednesday 26.4 – Full day of banking&finance
- Where is the future of banking?
- From tech to finance company and vice versa
- Financial services gets integrated
- Truly digital banks with no limits
- Competition gets global
- Digital identity
- Successful bank + fintech cases
- Startup Club – Meet the most promising fintech startups
- PDS2 – the single biggest change in banking ever
- From mobile first to API-first
- Banking as a Platform – A realistic solution for traditional banks?
- Open Banking and ecosystem thinking
- Winning PSD2/XSA2 -strategies
- From legacy to fintech -transformation
- Nordic Fintech Scaling for the World
- Networking evening with the industry pioneers
Thursday 27.4 – Full day of insurance
- Insurance at risk: Where do we go from here?
- What do our customers really want?
- Industry boundaries are blurring
- Modernizing a traditional insurance company
- From claims to prevention – How could tech help?
- Insurtech as driver of efficiency and innovation in insurance
- Can P2P and crowdsurance bypass the insurance companies?
- Startup Club – Meet the most promising insurtech startups
- Pay as you go insurance
- Insurance gets smart and connected – Utilizing IOT and wearables
- Future of insurance is insurtech
- Latest trends in big data, social media and data sharing
- EU personal data directive – What are the challenges?
- Future trends: sharing economy, “as a service”-trend and self driving cars
Member of the Board at Bank of Finland
Olli Rehn is in charge of monetary policy implementation and investment of the Bank of Finland’s financial assets. He is also responsible for the Bank’s digitalisation process and for the activities of the Financial Supervisory Authority, where he is Chairman of the Board. Mr Rehn has held European and international posts for many years. He was Vice-President of the European Commission in 2011–2014. Mr Rehn represented the European Commission on the Governing Council of the European Central Bank, in G7/G20 cooperation and at meetings of the International Monetary Fund in 2010–2014. Mr Rehn served as Minister of Economic Affairs in Prime Minister Sipilä’s Government in 2015–2016, having been elected Member of Parliament from Helsinki in April 2015.
CEO & Co-Founder at Pocopay
Indrek is the CEO and a co-founder of Pocopay, the Estonian neobank and a key player in the formation of the modern banking in North East Europe. He has more than 25 years of experience in the industry 25 years experince in banking in positions such as CEO of Hansabank Group for seven years and active Chairman of Bank of Saint Petersburg (BSPB) for eight years.
Industry Leader at Google, Board professional
Hanna Kivelä is a successful, strategic and energetic international leader, change agent and professional with long experience in digital transformation, media, technologies, ecommerce, publishing, telecoms and ICT. She is Industry Leader at Google Finland. She is also a board member at Savings Bank Group and Plugit Finland. She is a member of Director’s Institute of Finland. Hanna is a trusted advisor and a mentor for many young entrepreneurs and early stage startups. As an influencer, she is frequently seen on stage at various digital industry events. She is inspired by great people, great challenges and opportunities for growth – both in business and as a person. Hanna holds an M.Sc. in Industrial Management and an MBA.
Product Manager at Transferwise
Lars and his background in Organic Chemistry & Biotechnology make him an unconventional character in the world of financial innovation. Yet, him and his team at TransferWise are constantly bringing down barriers to make money move across borders not just 8x cheaper than banks, but also significantly faster. Before starting to bring fairness and transparency to international payments, Lars authored several bestselling books in Mathematics and worked with the Walt Disney Company on a strategic consulting project in Africa. He holds an MBA from the University of Oxford.
Head of Market Development, EMEA at BBVA
Martti has over 25 years experience in leading international sales, business development and strategic partnering organizations in complex and constantly changing environments. He started with fintech in 1989 by building up a smart card operating system for national electronic money scheme. Later he held several executive positions at Nokia and is now heading the market development of EMEA at BBVA.
Country Manager at Visa Europe
Vesa Tukonen has spent over half of his life in the payments industry – in various supporting roles for card issuing businesses, B2B sales, product and business development as well as market and stakeholder management. Last 10 years Vesa has been at Visa Europe where his current role is multi market Country Manager.
API Evangelist and Business Development at figo
Lars is API Evangelist at figo and a strong advocate of banking APIs. Figo will change the way banks can provide their services through open interfaces. At figo, he is responsible for the developer community, hackathons and international FinTech strategy. He started his career in traditional banking but moved quickly to his first FinTech startup in 2012.
Head of PSD2 Program at OP Financial Group
Markku has a strong technology background from working with companies such as Nokia, Microsoft, Google and Vodafone. Lately he has been evangelizing and speaking about digitalization and innovation. At OP Financial Group he is heading the PSD2 program.
CEO & Founder at MONI
Tech-cowboy Antti has kickstarted few notable IT companies, such as cloud based infrastructure service Freedom Zone and innovative global banking service provider Secure Action. Now he’s focusing to a new digital network called MONI, revolutionizing the financial processes as we know them. Using extremely secure blockchain mathematics, the decentralized system will provide an easy access to a digital signature that will enable payments, identity, owning property, voting and a slew of other services for everyone.
Head of Open Banking at Nordea
Jarkko is a tech-oriented banking executive with a long experience from Tieto and Nordea. He has been heading netbanking, security, integrations and payments at Nordea. He is currently readying Nordea for PDS2 as the Head of Open Banking.
Head of Accenture Payment Services Nordic
Petri works as Head of Accenture Payment Services Nordic running Accenture’s Nordic Payment Practice. He is working on payments (instant, cross-border, mobile etc.), payment innovation, PSD2 and API banking offering and strategies, blockchain, payment systems, payment outsourcing etc. with various top financial players Nordic and global. Prior to Accenture Petri worked as Head of Global Payment Services and Infrastructure in Nordea and before that in Stora Enso Treasury. Petri holds M.Sc.(Econ) and he lives in Espoo, Finland
COO at Open Bank Project
Ismail Chaib is the Chief Operating Officer of TESOBE / the Open Bank Project, a Berlin-based fintech startup which provides open APIs to financial institutions such as the Royal Bank of Scotland and BNP Paribas. Prior to that, Ismail cofounded the Algerian award-winning tech startup SMSBridge and transformed it into the leading SMS platform in the country.
Head of Transformation Office at Nordea
Stefan is a banking professional and leader with a keen interest in the digital disruptions currently happening in the financial services industry. He has more than 15 years of experience in leadership positions at the cross-roads of business and technology at leading institutions, managing digital transformation, channel development and online marketing. For the last 3 years he has been working with Nordea Core Banking Program, building a truly digital banking platform.
CEO at Fintech Mundi
Susanne is the CEO Fintech Mundi and has over 25 years’ experience from the financial industry. Fintech Mundi has unparalleled expertise in global financial technologies and as trusted industry network, have a proven track record for scaling and launching companies in global markets and provide an unique ecosystem for global fintech growth. Susanne has held several EVP and SVP positions at Nordea Finance, board member at MasterCard Europe Advisory Board and was the Chairman of Zwipe.
Professor at University of St Gallen (Insurance- and Service Management)
Peter Maas is a Swiss Professor and a Member of the Executive Board of the Institute of Insurance Economics. Earlier to his academic career, Prof. Maas acquired professional work experience with a leading German bank, an international consultancy and a global insurance company. His research interests today focus on megatrends and their market implications, strategic management, (dis)intermediation of markets and customer value management. Maas is a frequent keynote speaker, author and a Supervisory Board Member of an InsurTech company.
CEO at LocalTapiola Services Ltd.
Harri has a long experience in various management positions and has special knowledge in the financial sector. Currently he is heading the LocalTapiola Services, modernizing one of the most traditional inurance companies in Finland. Harri is holding several board member positions, including the vice chairman of S-Bank. He is specialized in topics such as digitalization, insurance, mobile services and health care.
CEO & Founder at Insly
Risto Rossar is a insurance innovator and investor who has been listed as one of the worlds top 50 insurtech influencers by Insurtechnews. He has founded several global insurance related companies such as IIZI, Insta, Inspool and Insly. At Insly he is developing and selling the first global cloud based software for insurance agents and brokers bringing the insurance market to the digital age.
Associate at AXA Strategic Ventures
Tomi Fyrqvist is a London-based venture capital and growth equity investor at AXA Strategic Ventures, an independent $275 million investment firm backed by AXA investing up to $20m per investment globally. At ASV, Tomi focuses on enterprise software, fintech, consumer and digital health – with specific focus on AI / machine learning and the travel vertical. Prior to joining ASV, Tomi was an associate in the investment banking division at Goldman Sachs, working on M&A transactions, IPOs, private placements, and restructurings across TMT, Industrials, Consumer Retail as well as Healthcare coverage groups in New York and London. Prior to joining Goldman Sachs, Tomi spent some time working at The Boston Consulting Group, McKinsey & Co., and Morgan Stanley. Tomi holds a Master of Science Degree in Finance from Aalto University School of Business.
SVP Pension Services and IT at Varma
Tiina has been a member of the executive board at Finland’s biggest pension insurance company Varma since 2012. She holds a wide range of expertise in leadership, technology and service models. She has previous experience from Nordea and TietoEnator, particularly from financial ICT operations.
Insurtech Expert, Co-Founder at Digital Tech and Neosurance
Andrea Silvello has more than 10 years of experience at internal consulting firms, such as BCG and Bain. He has contributed to the development of Bain Financial Advisory, which specializedsin corporate finance, turnarounds and restructuring operations. Since 2016, Silvello has been the co-founder and CEO of Neosurance, an insurance startup. It is a virtual insurance agent that sells micro policies. In 2013, he founded and became a partner at DigitalTech International, a tech startup based in Milan, Kuala Lumpur and Singapore. In 2012, he also founded and became a managing director of Business Support, a consultancy boutique based in Milan.
Co-Founder at Fair Crowdsurance. FinTech Entrepreneur.
As one of the Finland’s most successful fintech entrepreneurs, Tero is going to talk about P2P & crowdsourcing as a business model in finance & insurance. He is an internationally experienced investor, adviser and entrepreneur. He is known as the chairman of Invesdor and a board member of Inderes and European Crowdfunding Network.
Partner at Dottir Attorneys
Jaakko is a digital era lawyer, public speaker and columnist. As a partner of a global lawfirm he advises clients in issues related to technology and disruptive business models, which contains utilization of big data. Jaakko has also been acting as a member of the board of several growth companies such as Wolt.
Three reasons to join this event!
Perfect mix of visitors – Our event has been praised for connecting top decision makers from various backgrounds such as corporations, startups and authorities under the same roof. With a program built to support networking you will both learn and network with all the pioneers in the industry.
Most current themes – The program will have a perfect balance between future visions and substantial business cases. In banking we will have main focus on open interfaces and PSD2. In insurance we will discuss the impact of insurtech both in disrupting and sustaining ways. Learn the most topical things!
Startups – Popular Startup Club concept will introduce you to the most promising startups in the industry with the freshest views and ideas.
1 day – 1065 EUR + alv
2 day – 1265 EUR + alv
until the event
Merkittävänä startup hubina, tuomme tapahtumissamme esille myös alan nousevat tähdet. Varsinkin finanssialalla, jossa fintech yritysten on povattu nakertavan perinteisempien toimijoiden markkinoita merkittävästi, on tämä ainutlaatuinen tilaisuus saada näkemystä vastapuolen perspektiivistä.
Startup Clubissa, marssitamme kumpanakin päivänä näytille joukon lupaavimpia fintech yrityksiä, jotka törmäytämme konseptin mukaisesti seminaariyleisön kanssa.
Luonteva ja uudenlainen matchmaking –konsepti vie verkottumisen uudelle tasolle.
As a startup hub, we want to give visibility to the new players on the market. Especially on finance sector, where the fintech startups are giving a serious challenge to the traditional players, mixing up with large and small companies gives an unique opportunity to get insights outside your own perspective.
On both days the Startup Club will present the most interesting startups and confluence them with our seminar guests.
New and natural way of matchmaking that takes networking to a whole new level.
First day Startup Club will be hosted by Samlink
Samlink is an experienced Finnish company developing solutions and providing services for the financial sector. As a partner of companies significant in their sectors, we provide them with reliable and straightforward cooperation. We have strong roots and solid competence in the development of multi-channel financial services. We provide comprehensive and cost efficient services from banking systems to leading by knowledge solutions. We produce a competitive edge to our customers with innovative solutions and support their growth. We seek to success with our customers.
Bankify company was born in order to bring joy and simplicity to personal finance and to enable the meaningful daily spend of money. We want to create a world where Everyone is a Banker in their own community in a best-personalized way taking care of their own financial management, lending and granting of loans, financial advising and spending of money. We make finance so simple and fun, that everyone wants to be a banker. With us people get more time and money on focusing to the essentials in life, having fun and pursuing own dreams.
Enfuce Financial Services is a company dedicated to helping our customers succeed with their business. It is a service provider to both incumbent players and newcomers within the payment and consumer finance industry.
Enfuce is a hub, both infrastructure and knowledge-wise, that enables customers to focus on their value proposition. Their strength lies in their vast knowledge of regulatory requirements, how to become and stay compliant as well as being innovative, fast and agile.
Waresign is a pioneer Finnish high-tech startup built on artificial intelligence, IoT, blockchain and smart contract technology. Our mission is to digitalize international, enterprise-level business operations and supply chains for global clients. Our solution covers all touch points of global supply chains from sourced raw materials all the way to the end user. Our artificial intelligence -driven solution handles both the expected and the unexpected by predicting and reacting to variables automatically. The level of security and the degree of automation truly makes Waresign the technology of the future. We are proud to offer automated trade finance and insurance as an integrated part of our solution for our customers to enjoy.
Haumi, established in Tampere in 2017, is a digital deposit platform for European savers. With Haumi savers can invest in bank deposits in fast growing economies with high interest rate environment outside European economic area. Haumi connects savers to world’s banks enabling a fast and affordable way of investing in bank fixed deposits around the world either in euros or local currency. Haumi is currently investigating applicable regulation with FIN-FSA and BaFin.
Salaxy is the first payroll operator in the world enabling easy integration of direct salary payment to any Internet service. They offer cloud based service with truly open APIs, hiding all complexity of bringing salary payments part of customer’s service. Salaxy is the future of payroll on digital era!
MOPRIM is developing motion sensing analytics, a missing piece in current cloud platforms. Based on artificial intelligence and machine learning algorithms for motion, the technology is especially suitable for gathering any motion related data using smartphones or wearables, whether it is related to transportation or human based movement. This event or data driven approach turns motion data into driver, vehicles or road analysis, or data for smart and sustainable cities.
Hauser creates a fun communication & sharing economy channel for neighborhoods. It is made for formalities (eg. house association matters, property management, public sector interaction) and informalities (eg. selling/buying, ordering pizza, announcing disturbances). As Hauser transforms neighborhoods into close communities, we are happy to witness novel approaches for home insurance, P2P insurance and P2P finance finding a channel to grow with Hauser. We make better neighbourhoods.
Flowenum is a growing international InsurTech start-up from Finland. We believe that digitalization brings massive opportunities for Insurance businesses to even better serve their customers and outmaneuver existing and rapidly emerging new competition. We deliver new business models and future-proof technologies and create opportunities never seen before in Insurance segment. Our B2B product delivers you personalized insurance risk analytics and insurance product builder, modern user experience and powerful tools to engage your customers to your brand and services. We are experienced digital transformations drivers. We have done it before, we know what to do. Flowenum is trusted partner for insurance companies to renew services for customers in digital future.
YET another insurance company
YET another insurance company is the first post-paid insurance company with a P2P business model, blockchain twist and outside regulation. YET another insurance company is founded by the same people as Ratti.fi – “Driving school uber”, which is the first “platform economy” company in Finland which have certificates from Finnish Tax Administration and Finnish Transport Safety Agency (Trafi). YET will be launched in the spring 2017.
FinBot is bank conversation platform assisted partly by AI and allows building of bots using natural language processing at front-end and making use of various connectors, compliance, fraud detection tools, CRM systems, and PSD2 APIs to help banks and consumers to keep track of your financial health, financial goals, overall spending patterns, and suitable advisory building and Robotic Process Automation. It was born out of exhaustive surveys and it took over various European bank hackathons at Copenhagen, Aalborg, Berlin, Tallinn, and Helsinki to emerge. It has been listed as project to watch at multiple Fintech events and is currently undergoing development.
Insly is an insurance software development company offering insurance policy management for insurance brokers, insurance agents and MGAs. Insly insurance management software has all features that an insurance broker or insurance agent needs for its business. Insly is a spin-off from IIZI Group – most successful insurance broker group in CEE region starting from 2000. Insly core team consists of the founders and key employees of IIZI Group, who contributed to revolutionising the insurance business with their innovative and business focused IT solutions.
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“Olemme edelleen ainoa yritys, tietääkseni, joka on näin laajlalti valjastanut lohkoketjuteknologian käyttöönsä.” Siksi hän onkin mielenkiintoinen haastateltava, monikaan ei ole käytännössä tominut lohkoketjuilla finanssialalla. Sinänsä itse ketjuun hän on hyvin tyytyväinen.
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The Forum is held at Kulttuurikeskus Korjaamo, Töölönkatu 51, 00250, Helsinki.