Rethinking Payments, Gaining Efficiency and Preventing Fraud
Speakers at Stockholm
Silvija Seres is a mathematician and a technology investor. She has a PhD in algorithm optimisation from Oxford, and has worked on the search engine Alta Vista in Silicon Valley. She is now a board member in several large companies, and a founder of a life-long learning podcast startup LØRN.
Stephan has more than 20 years of top level industry transformation experience and holds the role as Chief Digital Officer at Handelsbanken since September 2016. He has been with Ericsson for 10 years where he was Director of Strategic Marketing and Networked Society Evangelist.
Prior to his work at Ericsson, Stephan was the Senior Executive Vice President of Strategy and Sales Coordination at T-Systems in Germany, Deutsche Telekom´ s ICT Service Provider unit. Stephan had also served in a variety of roles within Deutsche Telekom including Sales, Executive assistant to the CEO, Strategy and Business Development.
Stephan holds a Masters Degree in Electrical Engineering from KTH/Stockholm, Sweden and RWTH/Aachen, Germany and has completed post graduate executive programs at London Business School, Boston University, European School of Management and Technology (ESMT), and Kellogg School of Management.
Silje Arnesen is VP – Head of Digital Banking Channels in EVRY Financial Services. Her responsibilities cover digital lending solutions, online and mobile banking, conversational banking and retail business solutions. Before joining EVRY, Silje held executive positions in several global companies. She has more than 20 years’ experience driving digital transformation in industries facing disruption and change, such as publishing, retail and technology. Silje holds a degree in economics and business administration.
Björn Eriksson is the chairman of Kontantupproret, Säkerhetsbranschen and Riksidrottsförbundet. Mr Eriksson was the former Chief of Police in Sweden and Governor of Östergötland. In 2014 he founded the initiative Kontantupproret with the aim of protecting the cash flow, as they are important means of payment in addition to digital solutions. Kontantupproret consider that the issue of cash supply should be dealt with in a democratic process and not left to the private banking system to decide on. We also believe that a public player should stand as a guarantee that cash will be available throughout the country.
Marjan is an entrepreneurial business developer who enjoys establishing effective strategies and directing major initiatives from conceptual to implementation. With more than two decades of experience in various commercial positions (mainly big, complex and new product commercialisation), Marjan has gained valuable insights into the financial industry and the market infrastructures globally. Since joining Ripple in 2017, she has been responsible for the definition and execution of the go to market strategy and sales of Ripple product and services. Previously, Marjan worked for SWIFT and was responsible for the commercialization of large scale projects both in securities and payments, namely Target 2 Securities & resiliency solutions for national central banks. She also led the EMEA customer engagement for the global payments innovation initiative (gpi). Marjan worked for Eurocelar, BNY Mellon and held various positions in sales & network management divisions. Marjan has a university degree in Business Administration and research master degree in Experimental & Clinical Psychology. In addition to English, she is fluent in French and Scandinavian languages.
Kari Kemppainen is Senior Adviser in the Payment Systems Department at the Bank of Finland where he has worked over 20 years on payment system policy and oversight issues. In addition to Bank of Finland, he has also worked at UNESCO, Aalto University and the European Central Bank. He is currently the Finnish representative to the Payments Policy Working Group (PWG) in the European System of Central Banks (ESCB). He also actively contributes to the Finnish Payments Council’s work including the organization of the Bank of Finland’s yearly Payments Forum conference.
Professor Martin Gill
Professor Martin Gill is a criminologist and Director of Perpetuity Research which started life as a spin out company from the University of Leicester. He holds an honorary Chair at the University of Leicester. Martin has been actively involved in a range of studies relating to different aspects of business crime with a special emphasis on fraud and dishonesty offences. For example, much of his work has been involved with better understanding the fraudsters’ perspective and he has interviewed a variety of different types of fraudsters, including dishonest staff, insurance fraudsters and identity fraudsters. He has interviewed victims, evaluated the links between fraud and organised crime and assessed the role of the police in responding to fraud.
He has published 14 books including the second edition of the ‘Handbook’ of Security’. Martin is a Fellow of The Security Institute, a member of the Company of Security Professionals (and a Freeman of the City of London). He is a Trustee of the ASIS Foundation.
In 2002 the ASIS Security Foundation made a ‘citation for distinguished service’ in ‘recognition of his significant contribution to the security profession’. In 2009 he was one of the country’s top 5 most quoted criminologists. In 2010 he was recognised by the BSIA with a special award for ‘outstanding service to the security sector’. In 2015 and 2016 he was nominated and shortlisted for the Imbert Prize at the Association of Security Consultants and in the latter he won. In 2016 ASIS International awarded him a Presidential Order of Merit for distinguished service. In annual IFSEC listings he is regularly recorded as one of the world’s most influential fire and security expert. In 2016 he was entered onto the Register of Chartered Security Professionals.
Martin is the Founder of the Outstanding Security Performance Awards (the OSPAs) and Tackling Economic Crime Awards (the TECAs).
Gunilla has a long background in Nordea and is currently working in Mobile, E-commerce and Innovation which is responsible for developing mobile and e-commerce solutions. She has followed the development of mobile payments since 2007 and is one of the business developers behind Swish. She is responsible for Swish in Nordea and is part of Getswish Business Board.
Swish, which was launched as a P2P payment solution in 2012, has made a big change in the payment infrastructure and strongly contributed to the decline of cash usage in Sweden.
Henrik is Director of the Financial Infrastructure Department at the Swedish Bankers’ Association. He has more than 20 years’ experience in the areas of financial infrastructure, regulation and product development, predominantly regarding payments. Henrik has been involved in SEPA development since it started and has been engaged in several national and international organisations with harmonisation and standardisation as main purposes. He is member of the board in the European Payments Council, Swedish Institute for Standards, the Internet Foundation in Sweden and 2014-16 he was chairman of the board in Getswish AB.
Laura Perry is a Software Engineer in EVRY Financial Crime Prevention. She is leading the UX/UI design and development for the next generation UI financial crime prevention system which is fueled by AI. Laura graduated from Western University (Canada) with degrees in Software Engineering and an Honors Business Administration degree from the Ivey Business School.
Robert Pehrson is the Head of Business Development in Transaction Services at SEB, covering the areas of payments, cash management, trade finance and receivable finance. Prior to SEB he worked as a consultant driving strategic projects in the financial services industry. His focus is on innovation, new technologies and partnerships with the ambition to optimize profitability within corporate treasury, banking, and capital markets. Robert has a Master degree in business administration from Lund University. In addition, he has studied international business at Duke University and London Business School.
Nina Wenning is the CEO of Bankomat AB. Bankomat AB manages cash wholesale in Sweden and has 80% market share in cash distribution via ATM. Prior to Bankomat Nina was CEO of BDB Bankernas Depå. Ninas mission during her career has been to drive critical change initiatives, initially as a consultant and later in different managerial roles within GE Money Bank and SEB, as head of IT, CRM-manager, marketing director, integration leader and branch development manager. Nina has a degree in business administration from Stockholm School of Economics.
Linus Fugl (41) is a Senior Vice President at Danske Bank and heading Transaction Services. The department consists of Card & Cash, Payment & Cash Management, Global Fraud Management, Transaction Screening & Monitoring and Trade Finance. Linus has been part of making the transformation in Danske Bank from Group Operations to Customer Service Delivery and as the name indicates: Setting the customer at the centre.
Danske Bank Transaction Services aims to become trusted for instant quality services and will achieve this through a focused effort on (1) digitalisation and machine learning/AI; (2) quality; and (3) competence.
Linus has 10 years of experience with driving change, innovation and optimisation in banking and has previously worked as a management consultant. Educational background from University of Copenhagen (Political Science) and Harvard Business School (Leadership Development).
Ingrid has worked in the Payment/Fintech sector for more than 17 years whereof two years in Swedbank, before that she worked in the Telecoms sector.
An experienced leader with more than 20 years of leadership in different positions, her strength is in business related transformation in the crossroad between people, technology and business.
Petra Bunschoten currently serves as Initiative Lead for Invisible Tickets, a Fintech initiative within ING. Within this role she is responsible for the development of a new transit product, preparing commercial launches in Europe and the spin-out of the initiative. She has been working in the banking industry since 2000 and held various roles with a focus on mobile & digital innovations.
Peter Andersson is heading the Banking & Payment division in the Nordics and Baltics at Thales Group, covering the areas of Digital Banking, Digital Payments, Cards and Issuance. Thales Group, with 80 000 employees is a global technology company delivering solutions and products to make life better and safer, from Passports and electronic ID’s to advanced digital payment solutions. Peter has more than 20 years of experience in the IT industry, working with user centric digital security solutions for the financial industry. He has held numerous positions within this field, from Product Marketing, CTO, RnD & Solution Sales Director to heading the Banking & Payment in Nordics and Baltics.
Neal Michie serves as product manager for Verimatrix’s award-winning code protection solutions. Helping countless organizations instil trust in their IoT and mobile applications, Neal oversees Verimatrix’s foundational security products that are relied upon by some of the world’s largest organizations. He champions the need to position security as a top-notch concern for IoT companies, seeking to elevate code protection to new heights by serving as a sales enabler and brand protector. Neal brings more than 18 years of software development experience and spent the last decade building highly secure software solutions, including the first to be fully certified by both Mastercard and Visa. A graduate of Heriot-Watt University with an advanced degree in electrical and electronics engineering, Neal is an active and enthusiastic participant in Mobey’s expert groups.
Martin is Principal in EDC’s London office. Martin works with stakeholders across the payments ecosystem supporting a variety of digital payments projects. Clients include issuers, acquirers, card schemes, processors, fraud vendors, FinTechs, new entrants, regulatory authorities as well as merchants and retailers across different verticals with an emphasis on the travel sector. He has also completed numerous due diligence projects for investors. Topics focus on payment processing, payment acceptance, fraud, risk management and more recently Open Banking, PSD2 and real time payment systems, Strong Customer Authentication (SCA) and 3-D Secure. Prior to joining EDC in 2015, Martin held senior positions at MasterCard, Citibank and Luup – an early mobile wallet pioneer. Most recently at MasterCard, Martin was VP Enterprise Partnerships and responsible for developing strategic partnerships with retailers, merchants, MNOs/telcos, digital players, technology enablers. Martin holds a BSc from Manchester University and an MBA from Cass Business School, London.
Monika Liikamaa is the Co-Founder and Chief Commercial Officer (CCO) at Enfuce Financial Services, the world’s first level 1 PCI DSS compliant cloud-based service provider. Monika’s visionary thinking, and experience of the fast-paced payment industry has enabled Enfuce to integrate solutions for their customers in record breaking time. Building sustainable payment solutions is a core value for the company, and with Monika’s wide knowledgebase of the industry nothing is impossible. Being future focused and collaborating with other industry experts is in Monika’s mind the recipe for success. A business is nothing without a great team of people, and that is why Monika has gathered industry experts around her both as co-founders and as employees for Enfuce. Enfuce Financial Services is now one of the fastest growing Fintech companies in Finland and Northern Europe.
Joseph is the Chief Strategy Officer of Swish. He was an early employee at Klarna where he worked with strategy, expansion and financing. Joseph then moved on to lead business development and expansion at Benify before co-founding Saffron, a 500 startups backed startup and more recently founded Phoenician Ventures. Since joining Swish in May, Joseph has focused on strategic partnerships and internationalization. As part of this scope he was part of recently founding EMPSA, an association of European wallets working for interoperability across borders. Joseph holds a Master in Corporate Financial management from Lund University.
Antti Hyytinen is working as a development manager at OP Financial Group’s innovation unit OP Lab. Having operated in OP Lab’s product discovery team scouting new technologies, business opportunities and partnerships with innovative startups, Antti has a deep knowledge of payment technologies and best practices. During the past year, he has been working more closely with biometric payments – designing, developing and setting up Face Payment by Pivo, one of the first face payment solutions in Europe
Ravi Shankar Chaturvedi
Ravi Shankar Chaturvedi is Co-investigator & Head of Digital Planet — an interdisciplinary research initiative dedicated to understanding the impact of digital innovation on the world and providing actionable insights for policymakers, businesses, investors, and innovators — at The Fletcher School, Tufts University. Their research is widely cited around the world; hundreds of mainstream media articles and references in over 30 global languages. Ravi has written many influential articles in business and international affairs journals. He is the co-author of the third most read Harvard Business Review article in 2015, “Where the Digital Economy is Moving the Fastest.” His research interests are in the thematic areas of the global digital economy, inclusive growth, and technology for good.
Ravi has extensive experience in emerging and frontier markets, strategy and business management, and the payments industry. He served as a Member of the Advisory Group for the Estonian Government’s e-Residency. Prior to Fletcher, Ravi was the Head of Portfolio and Products for the Middle East and North Africa region at American Express. He also worked in various capacities in parts of Asia for a decade with organizations such as Standard Chartered, HSBC, and Hewlett Packard. Currently a Doctoral Research Fellow for Innovation and Change at Fletcher’s Institute for Business in the Global Context, he also holds the MIB degree from Fletcher, where he was an Emerging Markets Enterprise Scholar, and an MBA from the Asian Institute of Management.
Jonas Hedman is a Professor at the Department of Digitalization, Copenhagen Business School, Denmark. His teaches at CBS executive on digitalization and FinTech and his research and teaching covers topics such as cashless society, central bank digital currency, and business model evolution.
Jordi Guaus is a Telecom Engineer from the Polytechnic University of Catalonia and also holds a degree in Business Administration from the Open University of Catalonia.
He joined CaixaBank in the year 2000, having worked at Vodafone for 5 years as the in-charge of Corporate Market Services Development, prior to that. At CaixaBank, a leading retail bank in Spain, Jordi has worked in Mobile Financial Services, developing services including the first Mobile Internet Banking.
While working as the Head of Mobile Payments, Jordi leaded the NFC & Remote Payments related initiative at CaixaBank. Where, he was focus on Mobile Payments in collaboration with the Cards Unit of CaixaBank. Moreover, he was the Project Manager of the mobile NFC pilot in Sitges, Spain (“Mobile Shopping Sitges 2010”), the first NFC payment trial in Spain. Later, he worked in the deployment of CaixaBank’s mobile payment services.
In 2014 Jordi joined the CaixaBank’s Marketing Department as a Digital Marketing Director to give transversal support to all marketing team and to focus on innovative projects. Some of the more relevant projects managed by Jordi during this period are the launch of imaginBank, first mobile only bank in Spain, the creation of the Payment Innovation Hub together with Samsung, Visa, Arval and Global Payments, and the opening of the imaginCafe, a physical place for the millennials.
In addition, from 2008 to 2015, Jordi was member of the Mobile Channel Working Group of the European Payments Council (EPC) working on establishing the necessary standards and business rules related to the initiation and receipt of credit transfer, direct debit and card payments through mobile devices under SEPA (Single European Payment Area).
Jordi also joined the Mobey Forum’s Board of Directors in the year 2009, and he was appointed as Chairman of the Board in 2013 leading the association since them. Mobey Forum is a non-profit making, global, financial industry-driven forum, with a clear mission to encourage the use of digital/mobile technology in financial services. Furthermore, Jordi has also been coleading several expert groups within Mobey, as for example the last one, the Open Banking Expert Group, and he has participated in the publishing of several white papers as a result of that.
EVRY’s office at Solna, Sweden
Expert Group Day, 18 September will be held at EVRY’s office at Solna, Sweden.
Member meeting, 18-19 September will take place at EVRY’s office at Solna, Sweden.
Address: Ekensbergsvägen 113, 171 79 Solna, Sweden
Story Hotel Signalfabriken – 4 star hotel
Sundbybergs torg 1, 172 67 Sundbyberg•08-558 095 00
Walking distance from hotel to EVRY (according to Google Maps): 800m
Best Western Plus Grow Hotel – 4 star hotel
Landsvägen 30, 171 54 Solna•08-557 607 00
Walking distance from hotel to EVRY (according to Google Maps): 900m
Maude’s Hotel Solna Business Park – 3 star hotel
Englundavägen 2, 171 41 Solna•08-505 569 00
Walking distance from hotel to EVRY (according to Google Maps): 300m
2Home Hotel Solna – 3 star hotel
Råsundavägen 175, 169 36 Solna•08-705 71 00
Walking distance from hotel to EVRY (according to Google Maps): 450m
Quality Hotel™ Friends – Cash-free hotel
Råsta Strandväg 1, 169 56 Solna , Sweden
Walking distance from hotel to EVRY (according to Google Maps): 2,3 km
Mobey Forum is the global industry association empowering banks and other financial institutions to shape the future of digital financial services.
Mobey Forum connects industry thought leaders to identify commercial drivers for the development of better digital commerce. Mobey Forum’s members collaborate to analyse business strategies and technologies to create innovative, interoperable and competitive digital financial services.
EVRY is one of the leading IT services and software providers in the Nordics, with more than 10,000 customers across Europe. Every day more than five million people use solutions delivered by EVRY. Through its strong local presence and in-depth technological and commercial insight, EVRY is a driving force for innovation and modernisation. Overall, EVRY reported turnover of NOK 12.9 billion in 2018 and has 8,800 employees across nine countries. The company is listed on Oslo stock exchange.