Dec 8

Digital Finance Forum


Event details




08:00 - 19:00

Digital Finance Forum is back!

Join the discussion with the financial industry leaders

200+ industry executives

20+ international speakers

10+ partners

1000+ meetings 

Good networking sessions

Side events

Legendary Helsinki after-party!



Join us on December 8th!


Timo Ritakallio

OP Financial Group


Timo Ritakallio has worked as President and Group Chief Executive Officer at OP Financial Group from 1st March 2018. Before that he worked at Ilmarinen Mutual Pension Insurance Company as President and Chief Executive Officer since 2015 and as Deputy Chief Executive Officer and Chief Investment Officer between 2008-2015. Previously Timo Ritakallio has worked for 20 years in various top management positions in the banking industry.

He has taken Master’s degree in law (LL.M.) in the University of Turku in 1985, Master of Business Administration (MBA) in Helsinki University of Technology, Helsinki in 2001 and AMP (Advanced Management Program) in Harvard Business School, Boston, USA in 2006. In 2016 he left Aalto University with a degree of Doctor of Science (Technology).

Christoffer Malmer



Mr. Malmer joined SEB in 2011 as Head of Financial Institutions Coverage, before becoming a member of the Group Executive Committee as Head of the Wealth Management division in 2015. In 2016, he became Co-Head of the Corporate & Private Customers division within SEB.
In April 2018 Mr. Malmer was appointed Head of the SEBx-project, a strategic initiative to explore new technologies and new customer offerings.

Prior to joining SEB, Mr. Malmer spent nine years at Goldman Sachs in London where he in 2007 was made Managing Director and head of the European Equity Research Team, covering Financial Institutions. In 2009, he moved back to Sweden and spent two years advising Arrowgrass Capital Partners on investments in Financial Institutions. Christoffer Malmer earned a Bachelor of Arts in International Business Administration at the University of Lund in 2000.

Teemu Nyholm

Fellow Bank


Mikko Ayub

Aktia Bank


Mikko Ayub has been the CEO of Aktia Bank since 2018. Prior, he as worked in several management positions at Nordea, as an analyst at Merita and as an economist at the Bank of Finland.

Ossi Leikola


Head of Operations

Janne Elvelid


Head of Public Policy Sweden & Finland



Katja Keitaanniemi

OP Corporate Bank


Katja Keitaanniemi is CEO at OP Corporate Bank plc and Member of the Executive Management Team at OP Financial Group. During her career Katja Keitaanniemi has worked in various management positions in the banking industry and she has also served in the boards of several Finnish enterprises and publicly funded agencies. Keitaanniemi has been on the list of Finland’s most powerful female executives by the business weekly Talouselämä in 2020, 2021 and 2022.

Katja has a Licentiate of Science from Helsinki University of Technology (Paper Technology & Industrial Management) and is also Harward Alumni.

Christin Tuxen

Danske Bank

Nordic Head of Direct Banking Business Customers

Christin Tuxen, Nordic Head of Direct Banking / Director Business Customers. For Christin Tuxen, it is about creating the best financial framework so that business can help society on its way. With a somewhat nerdy background as a PhD in economics and statistics, combined with more than ten years of experience as a strategist in the currency, fixed income and commodity markets, where she has advised the largest Nordic corporate and institutional clients, Christin has a unique insight into how business, financial markets and social economy play together. On a daily basis, she is responsible for Danske Bank’s more than 150,000 small business customers across the Nordic region and thus has her finger directly on the pulse of business life

Aki Kangasharju


Managing Director

Phd (econ) Aki Kangasharju is the Managing Director at the ETLA Research Institute. Before joining ETLA he was the chief economist at the Nordea bank and headed the VATT Institute for Economic Research. During his academic career, Kangasharju published numerous papers in refereed journals and visited international universities, such as the MIT. Kangasharju has also had official posts as a board member at the Innovation fund TEKES and University of Jyväskylä. Currently, Kangasharju is a docent in economics at the university of Jyväskylä.

Pekka Suomalainen

Savings Banks Group




Nisha Surendran


ICG Lead for Metaverse, NFT, Tokenization & New Protocols

Nisha works for the Digital Assets team at the Citi Institutional Clients Group.

Nisha also co-authored the recently published Citi GPS report on “Metaverse and Money : Decrypting the Future”, a 184-page analysis on the evolving topics of Metaverse, Web3, Crypto, and DeFi. The report hit 100,000+ downloads in just over 6 months of publication.

A computer-science engineer by background, Nisha has a strong interest in technology and the intersection of technology and finance.

Prior to this, Nisha helped build the Citi Commercial Bank business in Western Europe & Israel, covering start-ups and technology clients since 2018, and was recently leading eCommerce strategy for Citi Commercial Bank in EMEA.

Nisha started her career in 2008, and has had stints in multiple banks across India and UK. Apart from her engineering degree, Nisha also holds a Post Graduate Diploma in Management from Indian Institute of Management, Kozhikode, India.

Tero Weckroth

Fellow Bank

Board Member & Investor

With background in international investment banking and pharmaceutical industry, Tero operates as an investor, board member and co-entrepreneur in the fintech and life science branches. Tero is currently an investor and board member in five companies, of which three are publicly listed.

Sarah Häger

Enable Banking

Regional Manager

Sarah Häger is the Regional Manager for Scandinavia and DACH in Enable Banking where she is evangelising Open Banking, Open Finance and Financial APIs to further accelerate innovation in the financial industry. She has previously worked in several countries (Europe-wide) and along the value chain, with the main mission to provide value for the corporate customers. Her last responsibility in Nordea was to take the open banking vision from PowerPoint to the multi awarded solution of today. She is passioned about innovation, technology and to create commercial opportunities out of regulation.

Fredrik Ulvenholm

Vilja Solutions


Fredrik Ulvenholm is CEO at the fast-growing Swedish fintech company Vilja offering cloud-native core banking solutions. With over 20 years of experience from the international fintech scene, Fredrik has gathered invaluable insights and expertise on leveraging the latest technology to create superior customer values. Before joining Vilja in 2017, Fredrik played a vital role as CTO at Emric (acquired by TietoEvry), growing their business from four employees to over 300 employees.

Maciej Sałata


Director, Corporate and SME Digital Banking

Maciej is a Consulting Director at Comarch (est. 1993), a provider of innovative software and IT services for financial institutions worldwide. He has focused his career on helping banks drive innovation, explore new revenue opportunities, lower operating costs and improve user experience in the area of digital banking for corporate and SME customers.
With career spanning software development, project management and consulting for top banks, Maciej has acquired over 11 years of international experience in technology and business alike, which allow him to provide uniquely insightful solutions to problems faced by modern financial institutions.
As an avid supporter of digitalization, Maciej uses experience gathered among projects for world’s leading banks in Europe, Middle East and Asia to propose optimal strategies towards adopting technologies and serving more and more clients through electronic channels – a scenario very likely to ensure survival and bring success to financial institutions in the post-pandemic times.

Lasse Mäkelä


Chief Strategy and IR Officer

Lasse Mäkelä, born 1971 in Finland, is the Chief Strategy and IR Officer of Multitude. He joined Multitude in 2021 to head the mergers and acquisitions (M&A) activities. In addition to this, Lasse leads external communications and is an active contributor to the overall Group strategy, which strongly bridges to IR. Lasse is an international financial and M&A executive with 20 years of broad experience from various investment banking and finance roles. As founder and CEO of Invesdor Ltd., Lasse substantially contributed to the growth of the Invesdor investment platform starting from 2012, growing it to 35 people in five countries in eight years and leading more than 170 fundraising rounds to target companies together with the team. From 2005 to 2012 Lasse worked in management roles with responsibility in M&A, Finance and CFO functions at KONE Corp, Consti Group and Corbel Holding. From 1997 to 2005 he worked at investment bank Merrill Lynch in London and Icecapital Securities in Helsinki focusing on M&A transactions and financing.  Lasse holds a BSc of Banking and International Finance from City University, London, and an EMBA from Aalto University, Helsinki.

Venla Pouru


Director of Strategy and Growth

Venla Pouru is the Director of Strategy and Growth at Enfuce. Enfuce is one of Europe’s leading payment processors, on a mission to enable fintechs, banks and digital service companies to create next-level payment experiences. Venla is driving the company’s global expansion through opening new geographical markets and industry segments. Prior to joining Enfuce, Venla has worked 10 years in new business building and top management consulting.

Seweryn Bak


Business Development Director

Seweryn has over 10+ years of banking experience in Citi and HSBC. He is experienced in building relationships across multiple global geographies requiring sophisticated financial solutions for traditional and digital companies in Citi Digital. His experience and IT knowledge allow offering solutions and IT services for banks, insurers, brokerage houses, asset management companies, investment, pension funds, and fintechs. At Comarch (est. 1993), Seweryn is responsible for business development strategy and building relations with financial institutions in the Nordics.

Vesa Moisio


Business Development

Vesa Moisio is responsible for Tink’s business development in Finland and the Baltics, focusing on banking & lending clients.

Kristian Karlsson

Dittmar & Indrenius




Matti Saarinen


Head of Talenom Finance

Matti Saarinen is the head of Talenom Finance, a subsidiary of Talenom Plc, where he develops new banking and financial services for SMEs. Talenom Plc (Nasdaq Helsinki: TNOM) is a leading international accounting company that operates in Finland, Sweden and Spain. Previously, Matti did start a software consultancy Vanaja Technologies Ltd (acquired by Talenom Plc) and a mapping technology company (acquired by Apple, Inc.) and worked in a number of software development positions.

Sami Uski

Tietoevry Banking

Head of Business Development

Sami Uski is leading new business development on Banking for Tietoevry, and is active member in banking ecosystem platform development and collaboration programs to improve consumer experience across industries including real-time economy, instant payment and related value-added services and leveraging Nordic fintech communities. Main focus in recent years has been on payments and credit value chains.

Christoffer Rosqvist


CEO & Co-Founder

Adam Ryman

Sambla Group

Chief Product Officer

Product leader who always puts data and tech first. All industries can and will be transformed when those to ingredients are added, which I have experienced up close in precious roles within both FX and utilities. My interest in financial markets led me to an exciting journey in the Nordic fintech space where I am proudly empowering customers and lenders in making wiser decisions. The mutual benefits of the platforms we offer really excite me and I am curious about where the lending and comparison space will be in 5 years. Spoiler alert: it will not be what it is today.


Teppo Havo

Danske Bank

Nordic Head of Danske Bank Growth

15 years of experience in different roles in banking & finance. Currently heading Danske Bank Growth, a specialized unit offering financing and services for startup and growth companies in Nordics.

Johanna Andersén

Fintech Farm Helsinki

Strategy Lead




*We reserve the rights for changes


Doors Open

Networking breakfast


Opening Words


Opening Keynote: Navigating through turbulent times in financial market and economics

Aki Kangasharju, Managing Director at ETLA


Leading Bank’s ESG Integration

Katja Keitaanniemi, CEO at OP Corporate Bank


From a fintech platform into a bank: What does it mean for the company and investors?

Teemu Nyholm, CEO at Fellow Bank
Tero Weckroth, Board Member & Investor at Fellow Bank


Networking Break


Rebuilding a bank within a bank

Christoffer Malmer, CEO at SEBx

Panel: Applying platform thinking and new technologies

Lasse Mäkelä, Chief Strategy and IR Officer at Multitude
Pekka Suomalainen, CIO at Savings Banks Group
Fredrik Ulvenholm, CEO at Vilja Solutions
Sami Uski Head of Business Development at Tietoevry Banking
Moderator: Johanna Andersén, Strategy Lead at Fintech Farm Helsinki


Q&A: How should banks approach Open Banking?

Sarah Häger, Regional Manager at Enable Banking
Moderator: Johanna Andersén, Strategy Lead at Fintech Farm Helsinki


Consumer lending 2.0. Powered by Open Banking

Adam Ryman, Chief Product Officer at Sambla Group
Vesa Moisio, Business Development at Tink


Networking Lunch


Creating value through effective operations

Ossi Leikola, Head of Operations at Nordea


Towards the best open platform for SME and corporate banking

Maciej Sałata, Director, Corporate and SME Digital Banking at Comarch
Seweryn Bak, Business Development Director at Comarch


Panel: New era in SME banking

Christin Tuxen, Nordic Head of Direct Banking Business Customers at Danske Bank
Christoffer Rosqvist
, CEO & Co-Founder at Zevoy
Matti Saarinen, Head of Talenom Finance at Talenom
Moderator: Kristian Karlsson, Partner at Dittmar & Indrenius


Local bank and global megatrends

Timo Ritakallio, CEO at OP Financial Group


Networking Break


Renewing bank’s strategy – Lessons learned

Mikko Ayub, CEO at Aktia Bank


New players entering the financial industry: Should every business have a card, BNPL and other solutions to boost sales?

Venla Pouru, Director of Strategy and Growth at Enfuce


BigTech, metaverse, banking and regulation

Janne Elvelid, Head of Public Policy Sweden & Finland at Meta


How will metaverse change banking

Nisha Surendran, ICG Lead for Metaverse, NFT, Tokenization & New Protocols at Citi




Sparkling wine


Fintech of the Year Final

ePassi, Fennoa, iconicchain, Snowfox AI and The Upright Project


After work Mingle

Clarion Skyroom 16th floor



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Mobey Forum is a knowledge and networking platform that focuses on emerging technologies and business models in digital financial services. At Mobey Forum, sharing experiences, learnings, successes, and failures in a trusting environment, leads to insights that you cannot Google.



Join the event to

Network with your C-level colleagues
Stay updated on the latest industry insights
Learn from practical use cases
Get Inspired
Meet the most interesting vendors and innovators face to face

Have fun!


Standard Ticket

1065 €
+ VAT 10%
- Full day event
- Matchmaking platform
- Networking lunch & drinks


852 €
+ VAT 10%
When you buy 3 or more
- Full day event
- Matchmaking platform
- Networking lunch & drinks

Some visitors from previous events


Opens on December 1st at 9AM

Bringing you a powerful and relevant networking experience

Fill your day with informative discussions and relevant 1:1 meetings with other industry professionals. Brella is an award-winning networking tool that allows you to schedule one-on-one meetings with the most relevant attendees at Digital Finance Forum!

Brella’s AI-powered matchmaking algorithm provides you with a personalized and curated list of relevant attendees to meet to help you achieve success!


Future Digital Finance Forum is held at the Clarion Hotel HelsinkiThe address is Tyynenmerenkatu 2, 00220 Helsinki. The venue is located near the city center, in Jätkäsaari district.


We strongly recommend arriving by tram (the tram stop is approximately 1 min walking distance from the venue) or by taxi
Tram: Line 7 or 9 to Huutokonttori/Uppropskontoret

If you arrive by car, you may use the nearby parking hall called “Rokkiparkki”, located 400 meters from our hotel (Välimerenkatu 12). Parking fee is 27€ / 24 hours and this is paid through the Easypark app. This is the only payment method for the parking hall.

You must download the App and have it installed before driving into the parking hall. You can download the app from this link:

Please also notice that you must activate camera parking – function from the app so that the system will read your registration plate and let you into the hall. Please contact the hotel reception if you have a foreign car registration number.

Opens on December 1st at 9 AM attendees

We managed to secure you a discount on two hotels in Helsinki: Clarion Hotel Helsinki and Clarion Hotel Aviapolis. With the code “EVENTS” you can get a 15% discount on the regular prices.

Helsinki Airport is our local airport where all the flights to Helsinki will land. It is located 20 kilometers away from Helsinki city center with excellent bus, train and taxi connections. The airport has been voted as the second-best airport in Europe. Check out more information from the airport website.

Media Passes are for journalists / editorial members of the press. You can apply by sending your application to [email protected]

Photos from Digital Finance Forum

Publications, articles, and all non-commercial Future Digital Finance Forum -related usage of the photos is allowed when crediting the photographer and mentioning that the photo is fromFuture Digital Finance Forum.

Photogallery will be linked here after the summit.