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Banks are under pressure to define their role in embedded ecosystems—or risk losing relevance.  In this episode, co-chairs of Mobey's Payments Expert Group, Ville Sointu (Nordea) and Pål Krogdahl (Samlink), unpack the group’s recent report and take the discussion even further—exploring how Embedded Finance can move from theory into a practical growth strategy for banks. The session covers: Why having a well-thought-out Embedded Finance strategy is crucial for banksHow different approaches to Embedded Finance can be defined: API-Driven Banking, Verticalised Offering, and Platform BankingReal-life examples of banks successfully executing each of the identified strategies.Embedded Finance: A Strategic Roadmap for Banks - the full report is available free of charge on the Mobey Forum website. Support the show mobeyforum.org LinkedIn Youtube

Join Kasper Sylvest, Chair of Mobey Forum’s Board of Directors, as he revisits the industry’s turning points together with the ‘Mobey veterans’ Kristian T. Sorensen (IN Groupe), Amir Tabakovic (experiens.AI), and Ville Sointu (Nordea).  They reflect on how Mobey and the industry grew up together, with Mobey frequently anticipating the next shift — and why the most exciting changes may still be ahead. In this podcast, they trace the predictions, turning points, and lessons that have shaped the way we pay, identify ourselves, and imagine the future of banking.  What topics were explored:  “This is the year of NFC” (… said every year, for a decade): For ten years, each new year was predicted to be the year of NFC. However, a breakthrough for NFC finally came with the emergence of HCE and a memorable unveiling of the world’s first HCE demo at Mobey’s Member Meeting.The Wallet Era: From those beginnings came the era of the digital wallet — and the Mobey’s definition of a wallet that still holds firm today. The work evolved into the Control Points Framework to analyse the ownership dynamics in the wallet, and it’s still being used today for an analytical update of the wallet space.From Payments to Identity: We began with payment wallets where ID was a feature. Now we are entering the age of ID wallets, with payments as the add-on. But perhaps what matters most isn’t the container’s name — only that we can access it.Still Talking Wallets: We know the answer is “wallets,” but what exactly is the question? And should they even be called wallets?“Payment is not a product. It’s a feature .”  A famous Mobey quote that is still as true today as ever, and one that product teams often forget. Its source may be forgotten, but its impact endures.From Predictive Analytics to AI: A decade ago, we called it predictive analytics. Today, it’s AI in banking. Either way, it’s another means to an end. The challenge today is in creating the right environment for banks to harness AI effectively, guided by best practices and sound governance.When we see real gold, we build on it. When we see hype, we expose it. That has always been Mobey’s role. Enjoy! Support the show mobeyforum.org LinkedIn Youtube

In this episode, we take a deep dive into Mobey Forum’s latest report on the European Digital Identity Wallet (EUDIW), unpacking its key insights and strategic implications for banks. Members of Mobey’s Digital Identity Expert Group explore real-world use cases, regulatory timelines, market-specific hurdles, and the unique opportunities EUDIW presents for financial institutions. The session brings together expert perspectives from Heidi Torgnes (Stø AS), Mikko Hiekkataipale (Nordea), John Erik Setsaas (Tietoevry), and Roland Eichenauer (IN Groupe), offering a valuable extension to the report with a focus on the strategic and business potential of EUDIW for financial institutions. The full report is available free of charge on the Mobey Forum website. Support the show mobeyforum.org LinkedIn Youtube

Conversational AI is rapidly transforming digital banking—but before launching, are you asking the right questions? In this podcast, the co-chairs of Mobey Forum’s AI Expert Group—Amir Tabakovic, Rupert Rieder— and Vjekoslav Bonic discuss the key insights from their newly published infographic, 10 Must-Answer Questions for Banking Executives to Ask Before Going Live with Customer-Facing Conversational AI Solutions. Developed through interviews with AI leaders from leading banks and industry experts, the infographic highlights the most important strategic, regulatory, and operational considerations for a successful AI deployment. Topics include AI governance, risk management, human intervention protocols, and responsible data handling.  Infographic available free of charge here.  Support the show mobeyforum.org LinkedIn Youtube

In February 2025 Mobey Forum’s Digital Wallet Expert Group published 'Account-Based Digital Wallets: Navigating the Future of Payments' - a report that delves into the accelerating shift from card-based to account-to-account (A2A) wallets, highlighting the opportunities, challenges, and strategic imperatives for financial institutions. In this podcast, the co-chairs of the group and authors of the report, Kristian T. Sørensen from IN Groupe, Marina Repo from Nordea and Cédric Sieber from PostFinance, discuss the key findings. The full report is available free of charge on the Mobey Forum website. Support the show mobeyforum.org LinkedIn Youtube

The Next Wave of Digital Transformation in Banking Podcast Series by Mobey Forum and Consult Hyperion Episode 2:  CBDC - Exploring the "Why"   Moderated by: Tim Richards, Principal Consultant at Consult Hyperion Guests: Ville Sointu, Chief Strategist, Digital Currencies at Nordea Mads Clemmensen, Digital Assets Lead at Danske Bank Why are central banks worldwide planning to issue CBDCs? In this episode, we address this question and more: - Why are so many central banks around the world planning to issue CBDC? - What is the difference between wholesale and retails CBDCs? - What are the problems that wholesale CBDC is solving, and the pain points in existing wholesale payments? - What it might be possible to do with a CBDC that you cannot do with a card payment? Support the show mobeyforum.org LinkedIn Youtube

In April 2024 Mobey Forum’s Digital Wallet Expert Group published 'Beyond Payments: Navigating the Next Generation of Digital Wallets' - a report that explores the next generation of digital wallets, analysing their evolution, current state, and future potential. In this podcast, the co-chairs of the group and authors of the report, Kristian T. Sørensen from Nets eID Solutions, Marina Repo from Nordea and Cédric Sieber from PostFinance, discuss the key findings. In an era marked by rapid technological advancements and shifting consumer expectations, digital wallets have emerged as a central pillar in the evolving digital finance landscape. The report introduces a new definition of digital wallets as interfaces to securely manage verified data and digitized assets, reflecting their expanded role beyond financial transactions. It also emphasizes the strategic considerations and recommendations for banks in navigating the digital wallet domain effectively and thriving in the new digital era. ‘Beyond Payments: Navigating the Next Generation of Digital Wallets’ report available free of charge here. Support the show mobeyforum.org LinkedIn Youtube

The Next Wave of Digital Transformation in Banking Podcast Series by Mobey Forum and Consult Hyperion Episode 1:  The Evolution of Digital Wallets and Identity   Moderated by: Dave Birch, Director at Consult Hyperion Guests: Heidi Torgnes, Co-Chair of Mobey Forum's Digital Identity Expert Group & Business Developer Payments and eID at Eika Kevin Faragher, Member of Mobey Forum's Board of Directors & AVP of Interac Verified Product at Interac Corp. Daniel Goldscheider, Founder and Executive Director at OpenWallets Foundation As digital wallets are moving beyond payments, identity is at the core of this next generation of wallets. Exploring this transition, in this episode we address the following questions:   How will identity in digital wallets differ in functionality from the identity cards in physical wallets? What are the opportunities for banks in digital identity wallets and how will banks in markets with already established digital identities evolve their offering to digital wallets? Are digital identity wallets really a smartphone app? How are the standards for digital wallets being developed?Support the show mobeyforum.org LinkedIn Youtube

A significant shift is occurring in the financial services industry, altering the traditional structure of the value chain. The rise of embedded finance is introducing new perspectives, prompting a departure from conventional models. As we navigate through this transformation, all stakeholders find themselves at a crucial point where adaptation is not just a choice but a necessity. In December 2023 Mobey Forum’s Payments Expert Group published a report highlighting the urgency for banks to articulate a well-defined strategy, providing essential insights to thrive in the embedded finance landscape. This podcast is a recording of the member exclusive launch session from 19 December 2023, in which the co-chairs of the Payments Expert Group, Tuire Mäkelä (Nordea) and Sohrab Kalra (Interac), discussed the key findings of the report. 'Embedded Finance: Transforming the Banking Value Chain' - report available free of charge here. Support the show mobeyforum.org LinkedIn Youtube

Digital wallets are back on top of banks’ agendas. Mobey Forum has responded by launching a Digital Wallet Expert Group to analyse where wallets are now, and how banks can win the next battle in the wallet wars.  The wallet wars began when Apple and Google announced the launch of their wallets and customers preferred these over the ones provided by banks. The first round was lost.  Now, with developments in areas such as open banking, embedded finance, digital identity and digital payments (beyond the card rails), a new opportunity has emerged for banks to take back control of the wallet – or at least some parts of it. In this podcast, the chairs of the Expert Group, Kristian Sørensen from Norfico & The Tokenizer, Marina Repo from Nordea and Cédric Sieber from PostFinance, discuss what the wallet landscape for banks currently looks like, what the next priorities for banks are, and how wallets are currently developing.  Support the show mobeyforum.org LinkedIn Youtube

Mobey Forum's Digital Identity Expert Group chairs Jukka Yliuntinen (G+D) and Kevin Faragher (Interac), together with Report Executive Reuben Jacob (TD) discuss the findings of the latest report from the group: ‘The Rise of Digital Identity Wallets: Will banks be left behind?’   What do banks need to do to ensure they are not left out from the trust economy?What is the role of digital identity wallets and how should banks approach them? What are the key considerations for banks in digital wallets?What are the use cases for identity wallets? This report brings together insights from the discussions in the Expert Group as well as interviews with a selection of banks. Support the show mobeyforum.org LinkedIn Youtube

In this podcast, two of our Open Banking Expert Group Chairs Kristian Sørensen and Marc Folch analyse the main findings of Mobey’s recently published report on Monetisation of Open Banking APIs. You can download the full report on our website. Though Open Banking in many countries has been driven “top-down” as a regulatory requirement, many banks have taken the opportunity to revisit their strategies to look beyond a pure compliance play. A natural next step after implementation of the regulatory mandated APIs, is to shift their strategic focus to the topic of monetisation. From the perspective of supporting the long-term health of the ecosystem, this should be encouraged. Open Banking (and later Open Data) can only realise its full potential if organisations big and small persistently invest in making it better and more useful over time. The most efficient and effective way for that to happen is if there are self-sustaining market economics that reward those who do. The analysis and the key conclusions presented in this podcast are based on the discussions in the Expert Group. By Mobey Forum’ Open Banking Expert Group Co-Chairs: Marc Folch, Senior Manager Innovation Insights & Emerging Solutions, Interac Kristian Sørensen, Founding Partner, Norfico & The Tokenizer Introduction by: Elina Mattila, Executive Director, Mobey Forum Support the show mobeyforum.org LinkedIn Youtube

The Digital Banking Blindspot: Emerging Privacy Enhancing Technologies (PETs) and their role in privacy risk mitigation and business innovation.   In this podcast, AI & Data Privacy Expert Group chairs Amir Tabakovic from Experiens AI, Ville Sointu from Nordea and Sebastian Reichmann from TietoEvry discuss the common terminology around PETs, the role of personal data protection in financial services and the common uses of PETs. To gain most value of the podcast, we advice you to look at the below illustration: From 13m:30s to 20m:30s: refer to this illustration - Use of encryption and anonymisation in PETs From 20m:30s to the end: refer to this illustration - Privacy obligations and regulatory mandates mapped to PETs The podcast is a discussion based on a report from Mobey Forum's AI & Data Privacy Expert Group. You can download our full report here. Support the show mobeyforum.org LinkedIn Youtube

Mobey Forum’s Digital ID Expert Group recently published The Mobey Long Take – Post Covid-19 Digital Identity report, analysing the impact of the Covid-19 Crisis on Digital Identity.  In this podcast, some of the core members of Digital ID Expert Group Mikko Hiekkataipale, Senior Product Manager at Nordea; Dan Johnson, Vice President Digital Identity at Mastercard and Arjen Hollander, Business Development Manager Digital Strategy at Thales Group explore the key takeaways of the report; how has the pandemic emphasised the need for digital identity services; how has the usage of the existing services been affected; what are the possible implications of the Covid-19 tracking apps on digital identity services? The discussion is moderated by Elina Mattila, the Executive Director of Mobey Forum. Support the show mobeyforum.org LinkedIn Youtube

In September, Mobey Forum will launch a new Expert Group on Payments, to analyse the strategic options for banks’ business models in the changing payments landscape. In this podcast, Payments Expert Group Chairs Beat Bannwart from UBS, Xavier Herrero from CaixaBank and Sirpa Nordlund from Nets discuss the recent developments in the payments landscape and what the future looks like for banks, giving us a sneak peek of the discussions in the Expert Group.  The discussion is moderated by Kristian Sørensen from Norfico. Support the show mobeyforum.org LinkedIn Youtube