Agenda

This session sets the strategic foundation for the lending track by examining how customer acquisition, embedded finance, and market consolidation are reshaping the Nordic lending ecosystem. From unlocking new value through embedded insurance to scaling customer growth with digital precision, the conversation will explore how lenders can position themselves for long-term relevance. The session concludes with a forward-looking strategy talk on the consolidation trends in Nordic finance—highlighting what they mean for competition, partnerships, and platform-driven growth.

This three-part session bridges high-level strategy with practical application to explore AI’s transformative potential in lending. We begin by challenging the current narrative: is AI in banking merely optimizing the margins, or are we on the brink of deeper, systemic change? In Part Two, we shift from theory to execution with real-world use cases from institutions like Multitude and Swedbank—revealing how AI is being deployed across the lending value chain, from underwriting to collections. Throughout, the session will probe the critical balance between automation, fairness, and trust in a data-driven future.

This session explores how lending is being redefined in a digital-first world—where speed, data, and customer-centric design are key to competitive advantage. We’ll begin with a look at how AI-driven development is accelerating the journey from code to credit, followed by insights into how alternative data and intelligent underwriting are reshaping credit risk in real time. The session culminates with a case study from Inbank, revealing how a traditional retail bank can successfully decouple from legacy structures to win with a fully digital, scalable lending model.

Small and medium sized enterprises are at the center of new lending innovations. This session explores how digital banks and alternative financiers are redefining risk assessment, creating more flexible solutions, and challenging traditional models in the SME financing space.

As Europe advances toward account-to-account payments, digital currencies, and interoperable systems, the future of cash is under debate. This session explores the shift in merchant behavior, regulatory developments like the cash directive and digital euro, and the role banks play in maintaining payment resilience. Join the discussion on what a cashless retail and banking landscape could look like across the Nordics and Europe.

Checkout is no longer just a transaction—it’s a critical moment for conversion, loyalty, and brand experience. This session dives into how payments are becoming platform-based, embedded, and frictionless. Hear from industry leaders on wallet innovation, bank-PSP collaboration, and the regulatory frameworks shaping settlement and trust in real-time commerce.

As the EU’s Instant Payment Regulation comes into force, financial institutions must align with new requirements around speed, security, and transparency. This session covers critical areas such as payee verification, bulk payment operations, and liquidity management—culminating in a panel discussion on how to move from reactive to proactive fraud prevention in real-time payments.

Cross-border payments are being reimagined as businesses and consumers alike demand faster, cheaper, and more transparent transfers. Global trade, international payroll, and platform-based commerce now require seamless cross-border infrastructure that traditional systems weren’t built to deliver. In this session we explore distinct global network, fintech disruptor, and incumbent bank perspectives and how the industry is responding to mounting expectations around speed, cost, compliance, and user experience.