When financial systems act, not advise
Financial services are moving from human-led decision support to autonomous, AI-driven execution. This track explores how agentic systems will negotiate, optimise, and act across payments, credit, investments, compliance, and risk, fundamentally altering operating models, cost structures, and customer relationships. As AI becomes the primary decision-maker, institutions must rethink governance, accountability, and the role of humans in AI-native financial systems.
Money becomes software
The transition from traditional money to programmable value is redefining how liquidity, settlement, and trust are organised. This track explores stablecoins, tokenised deposits, CBDCs, on-chain clearing, and digital assets as part of the financial core rather than peripheral innovation. As money becomes programmable, financial institutions face a structural shift in balance-sheet management, compliance, and market design that will define the next era of finance.
From accounts to financial control layers
Accounts are evolving into intelligent orchestration layers that manage money, assets, identity, compliance, and liquidity in real time. This track explores wallets, multi-currency operating accounts, and AI-driven financial coordination across institutions and jurisdictions. As interfaces consolidate, the battle for the primary financial relationship intensifies, reshaping how customers experience, control, and delegate their financial lives.
From risk transfer to risk prevention
Insurance is shifting from compensating loss to actively managing risk across health, behaviour, and finance. This track explores AI-driven underwriting, claims automation, fraud detection, and personalised products at the intersection of insurance, health, and wealth. As longevity becomes a central financial variable, insurers and financial institutions must redefine trust, ethics, and value creation in data-intensive ecosystems.
Trust as the defining competitive advantage
As AI accelerates fraud, synthetic identities, and automated attacks, security becomes a system-level design challenge rather than a control function. This track examines AI-driven fraud detection, agent-based AML, and resilience-by-design approaches required to defend financial systems at scale. The institutions that win trust in an AI-dominated environment will shape the future of finance.
The future of money movement as strategic infrastructure
Payments are no longer a product category but a foundational layer of the digital economy. This track examines how real-time payments, embedded FX, account-to-account rails, and alternative settlement infrastructures are reshaping global money flows. Control over transaction rails increasingly defines competitiveness, resilience, and sovereignty, as financial architecture becomes shaped as much by geopolitics and regulation as by technology.
Finance dissolves into the real economy
Financial services are increasingly delivered inside platforms, workflows, and industry ecosystems rather than through standalone channels. This track explores how embedded payments, FX, lending, and banking via APIs shift power from product providers to platform orchestrators. Over the next decade, competitive advantage will depend on who controls distribution, data, and customer context in a platform-dominated economy.
Re-engineering long-term financial outcomes
Wealth management and pensions are being rebuilt around personalised outcomes rather than standardised products. This track examines AI-assisted investing, tokenised assets, crypto exposure, and new savings models designed for longer lifespans and more volatile markets. Over the next decade, institutions must rethink advice, risk, and trust to support financial security across radically different life paths.
Rebuilding markets for a digital, programmable world
Capital markets are undergoing structural transformation as tokenised securities, real-world assets, on-chain settlement, and AI-driven execution challenge legacy infrastructure. This track explores how issuance, trading, clearing, and custody evolve when markets become programmable systems. The next decade will determine whether capital markets adapt incrementally or are fundamentally re-architected for speed, transparency, and global accessibility.
Designing financial resilience beyond today’s cryptography
Quantum computing will eventually redefine pricing, simulation, and risk analysis, while simultaneously undermining existing cryptographic foundations. This track focuses on realistic quantum timelines, financial use cases, and the transition to post-quantum security. Preparing for this shift is a long-term strategic decision that will define institutional resilience, trust, and competitiveness in the decades ahead.
Explore how cutting-edge payment technologies and innovations are reshaping customer experiences and business interactions.
From instant settlements and frictionless checkouts to AI-driven financial assistants, discover how next-generation payments are delivering efficiency, security, and personalized experiences.
Delve into scenarios where traditional financial institutions leverage AI and open finance frameworks to regain trust and redefine their relationships with customers towards 2035.
Dive into the transformative impact of fintech on wealth management and capital markets, focusing on how technology creates more accessible, transparent, and personalized investment experiences.
Understand how AI-driven platforms could reshape advisory services, empowering investors with real-time insights and sophisticated portfolio management previously reserved for the few.
Examine how fintech solutions are pivotal in addressing sustainability goals, enabling investments in green technologies, promoting responsible consumption, and tracking environmental impact.
Discover how Nordic fintech can facilitate scenario-based collaboration between traditional institutions, startups, and regulators, accelerating the transition towards sustainable and environmentally responsible financial practices.
Discover how digitalization and AI-driven analytics are transforming insurance into proactive, personalized protection.
From predictive risk assessments and automated claims processing to embedded insurance products, explore how these technologies will reshape consumer expectations and industry standards, creating a more intuitive, efficient, and secure customer experience across financial ecosystems.
Investigate the future of talent development, workplace transformation, and skill-building as fintech reshapes employment landscapes.
Explore what skills will be required in an AI-enhanced, digitally interconnected Nordic fintech industry, and how institutions can attract, nurture, and retain talent prepared for scenarios involving high degrees of technological adoption and complexity by 2035.
Explore the critical intersection of digital identity, data privacy, and cybersecurity.
Nordic fintech thrives on trust, transparency, and responsible data usage; this session tackles how institutions can securely and ethically manage digital identities, safeguard personal data, and enhance trust in digital ecosystems amid increasingly sophisticated cyber threats.
Navigate the rapidly evolving landscape of digital assets, cryptocurrency, CBDCs, and decentralized finance (DeFi).
This session examines how these innovations will reshape financial institutions’ roles, consumer autonomy, and market dynamics, envisioning a scenario in which DeFi significantly disrupts legacy financial structures and pushes traditional banks towards infrastructure and regulatory oversight roles by 2035.
Discuss how AI and automation technologies are reshaping the very nature of financial services, focusing on scenarios where institutions successfully integrate AI-driven services to enhance customer relationships and operational efficiency.
Consider how proactive, personalized financial guidance and human-AI collaboration redefine banking by 2035.
Uncover the evolving landscape of financial crime and fraud prevention in an era increasingly defined by digital interactions.
Discuss how Nordic fintech companies leverage advanced analytics, AI, and cybersecurity strategies to proactively detect and mitigate threats, safeguarding trust, financial stability, and digital resilience as the geopolitical environment introduces new complexities and cyber vulnerabilities.
Analyze how modular, flexible financial systems enable rapid adaptation to shifting market needs and regulatory demands.
Explore the scenario of increased geopolitical fragmentation, driving financial institutions toward composable banking solutions that
effectively navigate regulatory divergence and local market requirements while maintaining
seamless user experiences.
Examine how embedded finance is empowering SMEs by integrating tailored financial services seamlessly into their everyday business processes.
Explore the Nordic scenario where banks become orchestrators of digital ecosystems, allowing SMEs easier access to financing, analytics-driven decision-making tools, and streamlined operations—enabling rapid growth and more resilient business communities.
Reflect on how geopolitical dynamics influence fintech development, regulation, and market integration.
Explore potential scenarios where geopolitical tensions could drive regional specialization or fragmentation, compelling Nordic fintech firms to develop adaptive, compliant strategies capable of thriving under uncertainty.
Consider how geopolitical awareness is vital for fintech firms aiming to sustain innovation, cooperation, and competitive advantage.