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Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed in...
Especially in the Nordea Bank stage we started to think that the then 4 million strong e-Banking user habit and trust should be reused for other interaction purposes than traditional payments and othe...
So once we in the early 80s saw how customers - with delight - started to use e-banking for bill payments and balance checking, we started to ponder what other services could be built on the economy o...
Projects sometimes fail. But when there are lots of headline collapses in a short period, it’s time to look for patterns. Was it all hanky panky or was there a more legitimate reason for failure? In t...
Why should I jot down some notes from my digitalisation and leadership journey? Because I think that this experience from innovation ladders (one thing leads to another - and eventually to a new leve
In Retail banking most account flows are relatively easy, as usually there is only 1 account holder and in the rare case there are multiple account holders each account holder has full access rights t...
Most industries have migrated applications and data to cloud to stay competitive in the market, revamp current IT landscape, create innovative products & services, increase revenue generation, red...
The past couple of years have been marked by uncertainty both in the financial industry and beyond, with a shift toward remote working, digital-first strategies and a growing e-commerce industry—incre...
Getting to common ground According to the Oxford dictionary, sustainability is: The avoidance of the depletion of natural resources in order to maintain an ecological balance. This definition often ta...
Today, consumers can easily apply for credit online through innovative credit solutions like buy now pay later (BNPL). But consumers need to know what they are signing up for and how much they event...
Cutting-edge technologies have become an essential part of the financial sector. Given their vast outreach and the enormous number of benefits, more and more market players embrace fintech, so the ind...
AI/ML solutions can be used to help companies assess the needs of their customers more effectively using behavioral microtargeting; address those needs through personal and relevant offerings; and sig...