Archived edition · Stockholm Fintech Week 2026 · Go to the current event →

Program

Day 1

March 18, 2026

Open to all

DarwFin: Survival of the Fittest in Wealth Management. The next decade will determine which firms evolve — and which disappear.

08:30

Duration: 0:30

Wealth management is entering its Darwinian phase. A historic wealth transfer, rapidly changing investor expectations and the rise of data and AI are transforming the industry. In this short digital session we introduce DarwFin — a framework describing how wealth management firms now compete on adaptability.

Location: Digital event link: DarwFin: Survival of the Fittest in Wealth Management Onsdag, den 18 mars · 8:30–9:00am Tidszon: Europe/Stockholm Google Meet anslutningsinformation Videosamtalslänk: https://meet.google.com/oke-zefj-daz Eller ring: ‪(SE) +46 8 505 453 49‬ Pinkod: ‪811 081 808‬# Fler telefonnummer: https://tel.meet/oke-zefj-daz?pin=9749850909768

By invitation only

Stockholm Fintech Week: Founders Breakfast

09:00

Duration: 2:00

​To kick off Stockholm Fintech Week, we’re bringing together a curated group of founders building in fintech and adjacent fields, together with investors, for breakfast. ​Founders actively scaling across markets, repeat entrepreneurs, and ambitious early-stage teams thinking globally from day one – gathered in the same room at the start of the week. ​The aim is simple: A gathering for the builders shaping Nordic fintech, sharing perspectives over an outstanding breakfast and setting the tone for the days ahead. ​Format 09:00 Breakfast & conversations 11:00 Wrap Register for the event: https://luma.com/g00t80e8 ​Attendance is subject to approval. Limited capacity at the venue.

Location: Register to See Address Stockholm, Stockholms län

Full

FI:s innovationscenter bjuder in till dialog om stablecoins [only in Swedish]

10:00

Duration: 2:00

THIS SESSION IS NOW FULLUY BOOKED AND NO MORE REGISTRATIONS ARE BEING ACCEPTED **PLEASE NOTE THAT THIS SESSION WILL BE HELD IN SWEDISH** Finansinspektionen bjuder in till ett dialogmöte om stablecoins och deras potentiella roll i det finansiella systemet. Vi diskuterar möjligheter för betalningar, risker kopplade till stabilitet, konsumentskydd och kriminalitet samt vägen framåt ur ett svenskt perspektiv. Dialogen riktar sig till aktörer inom den finansiella sektorn, myndigheter, teknikföretag och andra intressenter. Utöver FI medverkar även Riksbanken och Finansdepartementet. Mötet hålls på svenska. Läs mer på fi.se

Location: Finansinspektionen (Sveavägen 44)

Open to all

Lunch Talk: Operational resilience, third-party risk, and data accessibility

11:30

Duration: 2:00

**THIS EVENT IS NOW FULL AND IS NO LONGER TAKING REGISTRATIONS ** Operational resilience is rising on the regulatory agenda as outages, cyberattacks, and geopolitical risks grow more complex. With increasingly interconnected systems, organizations depend on global providers and must trust vendors to stay resilient. Join us for insights on third‑party risk, technology‑driven resilience, regulatory expectations, and data residency. Complimentary lunch included.

Location: Global Relay Stockholm Office Regeringsgatan 25 111 53 Stockholm Sweden

Open to all

ROUNDTABLE – How will Stablecoins reshape Nordic Finance?

15:00

Duration: 2:00

Stablecoins are growing fast! But how are the Nordics adopting to it? Join Nordic Blockchain Association, Blockchain Sweden, K33 and Coinmotion for a Roundtable where we discuss the status of the Nordic landscape. The Swedish FSA invites to a dialogue roundtable on Stablecoins – we follow up directly and bring the dialogue further for everyone who could not attend the FSA. Join us and hear how Stablecoins are being used in practice and to sShape a way forward for Stablecoin usage in the Nordics.

Location: Elements, Jakobsbergsgatan 24

Open to all

Warm-up panel Stlhm Fintech Week

16:30

Duration: 4:00

**THIS EVENT IS NOW FULL AND NO LONGER ADMITTING REGISTRATIONS. ** Warm-Up Panel | Stockholm Fintech Week The Nordics built fintech's gold standard. Can we keep it? Leaders from SweFintech, Copenhagen Fintech, Norway Fintech, Fintech Farm Helsinki, Zwapgrid, and Fimento get real on AI agents in finance, cross-border momentum, and how FIDA and the AI Act are rewriting the rulebook. 16:30 Registration & mingle 16:45 Copenhagen Fintech Report 17:00–17:45 Panel discussion 17:45–21:00 Networking & fintech karaoke led by Robin Ghosh

Location: Mäster Samuelsgatan 20 (Mood) Stockholm

By invitation only

Cocktails & Compliance

17:00

Duration: 3:00

​We're excited to welcome you to an exclusive evening hosted by Bits Technology at our Stockholm HQ, taking place alongside Stockholm Fintech Week 2026. ​Join us for drinks, food, and genuine conversation as we dive into the world of AML. Whether you're deep in compliance, building fintech products, or somewhere in between, this is a great opportunity to connect with peers, exchange ideas, and explore what's shaping the future of anti-money laundering.

Location: Birger Jarlsgatan 27

Open to all

eIDs & eSignatures in Fintech – eID Easy & Oneflow Community Drinks Meetup

17:30

Duration: 2:00

Our side event is a relaxed after-work meetup focused on digital identity in fintech. We’ll discuss the EU Digital Identity Wallet (EUDIW) and other digital wallets—current status and what’s coming next—along with eSignatures and contract lifecycle management from onboarding to contracts and compliance, real-world use of digital identity in payments and lending, where AI helps (and doesn’t) in verification and fraud prevention, and how cross-border identity and trust services enable digital processes to work across markets.

Location: Oneflow's Stockholm Office, Gävlegatan 12a, 113 30 Stockholm (3rd floor)

Open to all

Mad Money Club: The Power of Passive Income

18:00

Duration: 3:30

Mad Money Club: The Power of Passive Income Money Club is an intimate supper club for women to talk openly, unapologetically about money. Get paid in your pyjamas. 💤 This exclusive dinner explores passive income – from investments and rentals to side hustles — with honest stories, practical insights, and real talk about turning money into freedom. Cost: SEK 400–600 (pay via link prior to the dinner).This is conversation, not financial advice.

Location: Bird & Bird Norrlandsgatan 15, 111 43 Stockholm, Sweden

By invitation only

VIP Event

18:00

Duration: 2:00

This is a private evening for Speakers and Partners of Stockholm Fintech Week. A relaxed warmup ahead of the main conference on the 19th. We'll be at The Node, one of Stockholm's best spaces, right in the heart of the city. Drinks, nibbles, good company. A chance to meet the people you'll be spending the day with before things get going. If you're a Speaker or Partner, you should have already received details on how to RSVP. Can't find them? Get in touch and we'll help you out.

Location: The Node – under the fountain, Sergels Torg, 111 57 Stockholm, Sweden

By invitation only

Reception at the Royal Norwegian Embassy

18:00

Duration: 2:00

During Stockholm Fintech Week, we invite selected startups, investors, and corporates to join us for an informal gathering at the Royal Norwegian Embassy, where you can meet like-minded fintech aficionados. This is an invite-only event. Questions regarding this event must be directed to Finance Innovation: info@financeinnovation.no

Location: Royal Norwegian Embassy, Skarpögatan 4, 115 27 Stockholm

By invitation only

Stockholm Fintech Week networking reception

20:00

Duration: 2:00

Join the leading influencers in banking and finance for an exclusive gathering in Stockholm. We're delighted to extend a special invitation to join us for complimentary drinks, where you’ll have an opportunity network with fintech leaders and decision makers as we kick off Stockholm Fintech Week.

Location: TAK Stockholm

Open to all

SFW2026 Opening Night: The Official Pre-Party

20:00

Duration: 2:00

The night before Stockholm Fintech 2026 opens its doors, we're setting the tone, and what a better place to do this than Stockholms Premier Music Venue – The Node! Join us the evening before for a relaxed night with the fintech crowd. Founders, investors, regulators, partners. The room you want to be in before the big conversations begin. No Program, no agenda, just good people. Get familiar faces in the room before a packed days of insights and bold discussions. Open Bar

Location: The Node : Address: under the fountain, Sergels Torg, 111 57 Stockholm, Sweden

Filter by tracks

  • AI Native Finance
  • Cross-Track
  • Democratization of Wealth
  • Finance Everywhere
  • Instant Finance and Payments
  • Platform Driven Finance
  • Startup Pitching
  • X

Day 2

Thursday, 

March 19

Panels

Time
Event name

09:40-

10:20

Instant Payments, Instant Impact: Europe’s Infrastructure Stress Test

This session breaks down how mandatory instant payments alter liquidity management, fraud controls, and infrastructure planning. We look at how banks and PSPs must adjust systems, staffing, and risk processes to operate at real-time speed. Expect practical guidance on data flows, peak-load handling, and the operational shifts required to stay compliant and competitive.

Track: Instant Finance and Payments

Stage: Ignite Stage

Panel Discussion

10:20-

11:00

Who Needs Finance Teams When Money Is Programmable?

Smart contracts and programmable money automate B2B payments end to end. Code triggers approval, execution, and immediate settlement using digital currency, removing delays, intermediaries, and manual checks. This session challenges the role of finance teams and asks where human control still fits when money moves instantly.

Track: Finance Everywhere

Stage: Disrupt Stage

Panel Discussion

10:20-

11:00

AI in the Driver’s Seat: Automation, Risk, and Decisioning at Scale

We examine how AI is moving into core decision-making across credit, risk, and operations. The session covers accuracy gains, new governance requirements, and what faster decision cycles mean for oversight. As the discussion unfolds, practical examples are used to show how model control, risk boundaries, and accountability are handled in real operating environments. The session provides a clear view of how institutions keep speed and responsibility aligned as automation becomes central to daily operations.

Track: AI Native Finance

Stage: Ignite Stage

Panel Discussion

11:00-

11:40

Fraud and Cybercrime in Real Time: The New Defense Line

This panel examines how attackers exploit real-time rails and how institutions respond. We cover AI-driven threats, system weak points, and the role of data sharing and regulation. Attendees receive a practical view of modern fraud operations, emerging defence tools, and the organisational changes needed to protect customers and infrastructure in high-speed environments.

Track: Democratization of Wealth

Stage: Ignite Stage

Panel Discussion

13:00-

13:40

Regulation Without Breaking SMEs

Smaller financial institutions face the same regulatory expectations as large players, but with far fewer resources. This panel examines how regulatory burden impacts SMEs as they grow, and where compliance frameworks fail to scale with company maturity. Regulators, supervisors, and market participants discuss how strict compliance can coexist with proportionality, flexibility, and clear growth paths, allowing smaller firms to adapt, mature, and compete without compromising stability or trust.

Track: Cross-Track

Stage: Ignite Stage

Panel Discussion

13:40-

14:20

The Future Wealth Stack: APIs, Data, and Personalised Portfolios

We explain how API-driven wealth platforms build personalised, automated portfolios across global markets. The session shows how data, automation, and modular services support tailored strategies while meeting local rules. Attendees see how providers manage tax, currency, and risk differences, and how platforms scale without sacrificing accuracy or control.

Track: Democratization of Wealth

Stage: Ignite Stage

Panel Discussion

14:20-

15:00

Real‑Time Fraud Warfare

This session details how fraud teams adapt to real-time clearing and AI-enabled attacks. We outline monitoring needs, tooling choices, and communication flows that keep customers confident. Expect insights into behavioural analytics, model training cycles, and how teams balance strict controls with smooth customer experience as threats become more sophisticated.

Track: Instant Finance and Payments

Stage: Ignite Stage

Panel Discussion

15:00-

15:40

The End of Easy Credit? Sweden’s Most Controversial Lending Shift

Sweden is tightening lending rules, raising barriers for consumer lenders and reshaping access to credit. Is this long-overdue consumer protection or the end of flexible financing? This session tackles the trade-offs, the fallout for lenders and fintechs, and who may be left outside the system.

Track: Finance Everywhere

Stage: Ignite Stage

Panel Discussion

15:40-

16:20

The Consolidation Wave: Platforms and Blockchain Reshaping Financial Infrastructure

We explore how orchestration layers, gateways, cloud cores, blockchain, tokenisation and new cross border payment models are reshaping financial services. The session also examines how integrated corporate expense management and real time spending control are becoming core infrastructure. Together, these shifts reduce integration friction, strengthen compliance at scale and redefine how money is managed, monitored and moved globally.

Track: Platform Driven Finance

Stage: Ignite Stage

Panel Discussion

16:20-

17:00

The Silent Takeover: When Platforms Run the Banks

White-label platforms are quietly redefining financial services. Core capabilities, products, and innovation are being delivered as platforms to institutions that can’t build or move fast enough themselves. This panel examines how platform providers are becoming financial infrastructure, how control is shifting behind the scenes, and what it means when platforms, not brands, set the pace of innovation.

Track: Cross-Track

Stage: Ignite Stage

Panel Discussion

Startup Pitching

Time
Event name

10:40-

10:45

Startup Pitching: Vidda Solutions

Vidda Solutions is an AI-driven company building automated, risk-based compliance training and governance solutions. Backed by more than 25 years of regulatory and supervisory experience, we combine deep domain expertise with technology to transform regulatory requirements into scalable training operations and measurable oversight.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

10:45-

10:50

Startup Pitching: Pactumize AB

Close better deals. Faster. Pactumize DealFlow brings startups and investors into one shared DealFlow – structured, trackable, and friction-free. From first intro to signed terms – in one flow.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

10:50-

10:55

Startup Pitching: Centiglobe

Centiglobe is a Swedish fintech providing modern infrastructure for cross-border payments. Through Centiglobe Connect, our member-based DLT network powered by tokenized deposits, banks and PSPs gain global reach without intermediaries or scattered pre-funding, enabling instant two-way payments.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

10:55-

11:00

Startup Pitching: Axiology

Axiology provides integrated capital markets infrastructure that enables you to issue, safekeep, trade and settle securities within a single regulated systemwhich reduces reliance on intermediaries and lowers operational costs. The company also operates as a cross-border securities depository across the EEA, addressing fragmentation of Europe’s capital markets.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:00-

11:05

Startup Pitching: Copla

Copla is a European compliance platform that translates complex regulations such as DORA, NIS2, ISO 27001, SOC 2, and MiCA into guided, real-time workflows that help lean teams stay audit-ready, reduce real risk, and operate with confidence as regulation evolves. Unlike traditional GRC tools that focus on documentation and audits, Copla is designed for continuous, execution-first compliance grounded in real operational work. As a result, your day-to-day operational work directly translates into compliance. Where automation reaches its limits, Copla pairs its platform with in-house fractional CISO expertise, supporting customers so they don't have to build large internal compliance teams.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:05-

11:10

Startup Pitching: SKJOLDET – The Shield

SKJOLDET – The Shield is stopping card fraud before money moves, with automatic proactive protection by delivering evidence-backed, pre-transaction fraud merchant risk signals – aggregated from real local user exposure – so banks and PSPs can block fraud in real-time, get ahead of fraud regulation and protect customers.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:10-

11:15

Startup Pitching: SustainAX

Delivered via SaaS and API integration, our platform enables compliant, auditable embedding of sustainability risk into financial workflows and decision systems. AI is applied selectively and transparently, grounded in robust software and data engineering foundations.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:15-

11:20

Startup Pitching: LeadDoubler

Ten fintech founders. Five minutes each. Zero corporate speak. These are the ideas that will make today's banking feel prehistoric by 2027. From AI agents replacing credit scores to instant liquidity for every asset you own, hear directly from the builders whose products will become the default way we move, invest, and think about money.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:20-

11:25

Startup Pitching: Inveztly

Connecting the dots – from data to insight. Wealth is undergoing a fundamental technological transformation. Regulatory complexity, increased demands for transparency, and the global reallocation of capital – The Great Wealth Transfer of wealth – are driving a new digital reform. Meanwhile, the infrastructure within wealth-organisations remains built around old technology and manual processes, making advanced analysis time-consuming, complex, and often difficult to execute effectively in practice. Inveztly is a Swedish WealthTech start-up developing AI-driven infrastructure for the next generation of wealth management. Its cloud-based platform, Analytix, brings together data, analytics, documentation and workflows within a coherent, modular ecosystem designed for scalability from the outset. The core of the platform is the AI-driven agent Aroz, an autonomous advisory assistant operating around the clock. It analyses and evaluates hundreds of thousands of data points in real time, transforming complex financial information into structured insights and generating regulatorily grounded decision support, presentations and reports. By structuring and automating workflows, organisations can redirect capacity to where it generates the greatest value: in client relationships and commercial performance. The result is stronger business outcomes, more efficient processes, and reduced operational and regulatory risk. Inveztly's technology is built on a modern and scalable architecture. The platform is language- and currency-adaptive and is delivered as a global SaaS solution with a low marginal cost per user. Inveztly is building the intelligent infrastructure for the next generation of wealth management.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:25-

11:30

Startup Pitching: Ansvar AI

Ansvar AI gives compliance, legal and security teams AI-powered regulatory intelligence they can actually trust. Sourced, cited, and automatically kept current. With deep coverage of EU and US regulations (DORA, NIS2, GDPR, and more), security frameworks, and national law across 90+ jurisdictions, updated nightly. Ansvar plugs into existing AI workflows via API or through our Intelligence Portal. Built entirely on European infrastructure, headquartered in Sweden.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:30-

11:35

Startup Pitching: eID Easy

eID Easy connects organizations to national eIDs and bank-based identity schemes through a single integration, enabling secure digital identification and identity-based eSignatures. Businesses use eID Easy to onboard users, perform KYC, and enable legally compliant eSignatures, including Qualified Electronic Signatures (QES). As EU Digital Identity Wallets (EUDIW) and other private wallets become available in each country, they will be added alongside existing eID Easy identification methods, allowing organizations to adopt wallet-based identity seamlessly.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

11:35-

11:40

Startup Pitching: Coinmotion

Founded in 2012, Coinmotion is Finland’s largest cryptocurrency trading platform and a leading authority in digital asset investing, ranked among the top three providers in the Nordics. Coinmotion is supervised by the Finnish Financial Supervisory Authority and complies with the EU’s MiCA regulation, enabling secure trading and custody of cryptocurrencies. Today, the company serves more than 170,000 verified customers across the Nordics.

Track: Startup Pitching

Stage: Capital Stage

Startup Pitching

Keynotes

Time
Event name

09:00-

09:10

Welcome to the 8th Edition of Stockholm Fintech Week

Stage: Disrupt Stage

Keynote

09:40-

10:00

Banking Systems. Rewritten by AI

Banking is approaching a quiet but profound shift. As AI moves from interface to infrastructure, the operating core itself begins to change. This keynote explores how agentic intelligence could transform banks from static systems of record into adaptive systems of action, and hints at a new platform designed for that future.

Track: AI Native Finance

Stage: Innovate Stage

Keynote

10:00-

10:20

Running Real-Time Money: Marginalen’s Payments Story

Marginalen shares its journey working with instant payments and operating high volumes of Swish transactions in everyday banking. The session explores what it takes to manage real-time flows in production, how AI supports monitoring and fraud prevention, and how open payments are reshaping access to instant rails. The discussion also touches on what these learnings mean for the next step in real-time and cross-border payments.

Track: Instant Finance and Payments

Stage: Innovate Stage

Keynote

10:20-

10:40

Bitcoin Capital Markets: From Ideology to Infrastructure

Bitcoin is moving from belief system to balance-sheet infrastructure. Credit markets are forming, European consolidation is accelerating, and Bitcoin holders are becoming real capital allocators. This keynote explores how Bitcoin credit, institutional structures, and strategic partnerships are building the financial rails for a new capital market system.

Track: Cross-Track

Stage: Innovate Stage

Keynote

10:40-

11:00

Universal Access to Wealth: When Advice Finally Scales

Financial guidance, where high-quality investment advice is no longer limited by access or scale, is emerging. This keynote shows how digitally enabled advisory expands personal guidance to more people, empowering better decisions and stronger financial habits. As saving, investing, and planning connect into one seamless experience, wealth creation becomes more accessible than ever.

Track: Democratization of Wealth

Stage: Innovate Stage

Keynote

11:00-

11:20

Digital Credit Is Here: When Bitcoin Starts Paying Yield

In this keynote, Christoffer De Geer unpacks the rise of digital credit products backed by digital assets. From Bitcoin-backed preferred shares to double-digit yields, the session explores how financial engineering, regulation, and market demand are colliding. This is not crypto theory. It’s about real products, real risk, and why credit markets are being rebuilt on-chain.

Track: Finance Everywhere

Stage: Disrupt Stage

Keynote

11:20-

11:40

Swedish Fintech Under the Microscope: What the Numbers Really Say

In this session, we will discuss the key findings from the Swedish Fintech Association’s annual Fintech Report. The audience can expect a clear breakdown of investments, fintech activity, employment, and revenue, and a grounded view of where Sweden’s fintech market stands today and where the region’s most important fintech ecosystem is heading next.

Track: Cross-Track

Stage: Innovate Stage

Keynote

11:20-

11:40

Winning Women: The Future of Wealth is Female

As the largest generational and gender wealth transfer accelerates, women’s financial power is a commercial imperative. In this session, Elisabeth Prager, Founder of Mad Money Club, shares how curated conversations and community reshape how women engage with wealth. Discover why traditional models fall short – and how connection drives trust, loyalty and growth.

Track: Democratization of Wealth

Stage: Disrupt Stage

Keynote

11:40-

12:00

Ethics, AI and the fight for Truth

AI is no longer just powering finance. It is shaping what we see, trust, and believe. When financial systems become AI-native, who decides what is true? Who is accountable when trust is engineered? And what happens when speed beats integrity? This keynote confronts the uncomfortable questions leaders must answer before truth becomes a variable.

Track: AI Native Finance

Stage: Innovate Stage

Keynote

11:40-

12:00

The End of Business as Usual: How to Work Smarter and Faster with AI agents

Your team is stretched. Your budget is under pressure. And you still need to stand out to win. This session reveals how fintech teams are reinventing how they work with AI agents they develop themselves to help scale personalisation, improve quality and cut time to market. Walk away with a team transformation diagnostic and the three shifts that delivered 86% time savings at SimCorp.

Track: AI Native Finance

Stage: Disrupt Stage

Keynote

13:00-

13:20

A Day Delegated: What My AI Agents Reveal About the Future of Fintech

In this keynote, we explore a near future where personal AI agents handle travel, payments, and coordination on our behalf, within clear rules, oversight, and personal boundaries. Using a realistic scenario, the session examines how fintech is shifting from apps to agents, from transactions to coordination systems, and what this means for regulation, trust, and human control.

Track: AI Native Finance

Stage: Innovate Stage

Keynote

13:20-

13:40

Intelligent Money: Our Future is Where Money Thinks For Us

WHO cares about the money of the future? WHY should I care about the money of the future? These questions, and more, are addressed in depth in Intelligent Money. As money becomes digital, it will revolutionise everything. By 2030, digital money will make money personal, individualise currency and its usage, make it secure, enable it to grow automatically to meet our personal goals, manage risk automatically and make life simpler and easier for all. The most critical aspect of this book is HOW money will become intelligent, both digitally and artificially. Everything is becoming smart and connected, from our homes to our cars to our clothes. How does this change business, how we think and how we pay? If everything has GPT in its name, does that mean we have far less people working? If everything is decentralised, who regulates the system? How can you be artificially intelligent if you have dumb data? This presentation looks at the key technologies coming downstream from artificial intelligence to artificial super intelligence, from cloud computing to quantum computing and from cryptocurrencies to central bank digital currencies. The big question it tries to answer is the role of centralised institutions in a decentralised world. The bottom line is that money will soon be embedded, intelligent, invisible and everywhere. It’s a whole new world.

Track: Finance Everywhere

Stage: Disrupt Stage

Keynote

13:20-

13:40

The End of the Black Box: Why AI Agents Will Define the Next Era of Finance

Financial decisions have been black boxes for too long: impenetrable models, fragmented data, manual processes. AI agents are changing that. Lotta Domonkos, CEO of Fimento, makes the case that financial decision-making is the perfect use case for agentic AI, not despite being high-stakes, but because of it. When agents cross-validate multiple data sources and explain their reasoning, financial decisions stop being a leap of faith and become a defensible, auditable act of intelligence. This isn't about replacing humans. It's about giving them what they've always needed to make the call.

Track: AI Native Finance

Stage: Innovate Stage

Keynote

13:40-

14:00

AI compliance for fintech: avoiding the data risks of rapid AI adoption

AI is moving fast across fintech, from underwriting to fraud detection and customer service. But rapid adoption brings real compliance risks. This session examines how to deploy AI without exposing your business to data breaches, bias, regulatory penalties, or governance failures. We’ll cover model oversight, data handling, explainability, and how to align AI innovation with evolving regulatory expectations.

Track: AI Native Finance

Stage: Innovate Stage

Keynote

14:00-

14:20

Invisible Finance: When UX Eats the Bank

This session breaks down how, as financial products become commoditised, the real battle shifts to customer experience. We look at how AI is powering hyperpersonalised services that make finance seamless, frictionless, and responsive to individual needs. When the product no longer sets you apart, the interface and the experience do, and that’s where the next wave of competition is unfolding.

Track: Finance Everywhere

Stage: Disrupt Stage

Keynote

14:00-

14:20

Challenging ESG and the Davos Agenda

Should finance pursue purpose beyond profit? This keynote challenges the moral claims behind ESG and DEI, arguing that profit and discipline are not ethical failures but social goods. When finance blurs bottom-line performance with politics, capital is misallocated, innovation suffers, and trust in markets erodes.

Track: Cross-Track

Stage: Innovate Stage

Keynote

14:20-

14:40

Designing Trust in Finance (UX Design in the Current Age)

Great UX drives adoption, lowers support costs, reduces compliance risk and builds trust. This session covers practical design principles, high-level technical foundations and industry patterns with human in the loop. Learn how to identify user problems, prototype solutions, prioritize and monitor performance. Walk away with a clear framework to turn UX into measurable business value

Track: Finance Everywhere

Stage: Disrupt Stage

Keynote

14:20-

14:40

Cybersecurity in a Quantum World

Quantum threats are moving faster than most organizations realize. With the NIS2 directive now in effect, companies have just four years to become quantum safe. Åsa Granberg will break down what crypto agility means, how to prepare for post-quantum cybercrime, and why early action matters. This session offers clear, practical insights for leaders navigating the next wave of cybersecurity challenges.

Track: Instant Finance and Payments

Stage: Innovate Stage

Keynote

14:40-

15:00

When Banks Step Aside: The Rise of the "Least Powerful" Bank

Indó in Iceland has topped all user satisfaction charts by aiming to be the world’s least powerful bank. Instead of rigid gatekeeping, they provide radical flexibility, giving users direct control over loan terms and repayment schedules. By putting the steering wheel in the customer's hands, they aren't just improving UX; they are reducing the need for traditional customer service and empowering users to manage their own financial lives. This shifts toward a model where the bank serves the user, rather than the user navigating the bank. This session explores this development from the perspective of consumer lending.

Track: Finance Everywhere

Stage: Disrupt Stage

Keynote

15:00-

15:20

Compliance Isn’t Optional. Neither Is the Right Application Platform

Every FinTech company builds apps. The winners build them on the right application platform. Learn why security, compliance, and developer velocity must come together to power the future of financial services.

Track: Platform Driven Finance

Stage: Innovate Stage

Keynote

15:00-

15:20

AI-Powered Compliance Across All Communication Platforms

This session showcases how financial institutions can address rising regulatory demands, including MiFID III, by using AI‑powered compliance across all communication. It highlights the shift from siloed, manual audits to a rule‑based supervision model driven by ASC’s compliance engine. By unifying communication capture, policy management, and cross‑channel monitoring, ASC provides greater transparency, reduces risk, and enhances operational efficiency.

Track: AI Native Finance

Stage: Disrupt Stage

Keynote

16:40-

17:00

Can 12 Banks Beat Tether at Its Own Game?

Twelve of Europe's largest banks have united to launch Qivalis, a MiCAR-compliant euro stablecoin set to challenge US dollar dominance in digital finance. As USDT and USDC control $261 billion in market cap, can regulated, bank-backed infrastructure reclaim monetary ground? We explore what happens when traditional finance goes on-chain, why programmable money matters, and whether Europe can compete globally while preserving its economic independence.

Track: Instant Finance and Payments

Stage: Innovate Stage

Keynote

Fireside Chats

Time
Event name

09:10-

09:40

Invisible Banking: Agentic AI and the Shift to a Bank in the Background

In this fireside chat, Ken Villum Klausen, founder and CEO of Lunar, explores how agentic AI is changing the role of banks. When does it make sense to meet the customer directly, and when should AI work quietly in the background? The conversation looks at why simplicity must come first, how clarity builds trust, and how agentic AI moves banking from reactive to proactive. Agentic AI is discussed everywhere, but the real shift is how our relationship with banking changes, from something that demands time and attention to something that largely takes care of itself in the background.

Track: AI Native Finance

Stage: Disrupt Stage

Fireside Chat

09:40-

10:00

The Concierge Economy: When Machines Shop, Pay, and Decide For You

Mastercard just completed Europe's first live payment executed entirely by an AI agent. No human clicked "buy." No checkout page. Just autonomous commerce. Erik Gutwasser reveals how tokenization enables AI concierges to understand your preferences, make decisions, and execute purchases on your behalf. By 2030, payments become invisible, agents become trusted, and shopping as we know it disappears. The question isn't whether this happens, it's whether you're ready.

Track: Instant Finance and Payments

Stage: Disrupt Stage

Fireside Chat

10:00-

10:20

From Stockholm to Silicon Valley: A Global Investor's View on Nordic Fintech's Future

Join Maria Markusjan, a Swedish native and Investor at Citi Ventures, for an exclusive fireside chat on navigating the evolving global fintech investment landscape. Drawing on Citi's worldwide presence and her deep expertise in European and Nordic fintech, Maria will offer a unique perspective that bridges the global venture capital powerhouse with the vibrant Nordic innovation ecosystem. This session will cut through the noise to reveal the tangible trends and technologies shaping the future of finance. Attendees will gain invaluable insights into where a leading global CVC is deploying capital, from AI-native finance and embedded solutions to the infrastructure powering digital assets and sustainable finance. Maria will provide a candid look at what it takes for a Nordic startup to attract international investment, sharing critical do's and don'ts for founders aiming to build resilient, category-defining companies. This is a must-attend for founders, investors, and corporate leaders looking to understand the strategic playbook for success in 2026 and beyond.

Track: Cross-Track

Stage: Disrupt Stage

Fireside Chat

10:00-

10:20

Capital Has Changed: How to Raise and Exit Now

Capital markets are tighter, valuations are reset, and investors are more selective. This session breaks down what it takes to raise capital and plan an exit in today’s fintech market. We’ll examine shifting expectations on growth and profitability, what buyers are looking for, and where deals are getting done. A practical look at fundraising and M&A in the new cycle.

Track: Cross-Track

Stage: Capital Stage

Fireside Chat

10:20-

10:40

Betting on the Builder: How Patient Capital Fuels Fintech in Emerging Markets

VEF's CEO and a bold portfolio founder go beyond the term sheet, sharing the unfiltered story of how strategic capital, shared vision, and relentless execution are unlocking fintech's biggest opportunity: emerging markets. From first pitch to global expansion, this is what real partnership looks like.

Track: Cross-Track

Stage: Capital Stage

Fireside Chat

11:00-

11:20

Humans, AI, and the Fight for Customer Trust

AI is reshaping how customers expect to be served, but trust still hinges on human judgment. This session breaks down where automation helps, where it harms, and how banks can balance intelligence and empathy. We examine real use cases, the risks of over-automation, and what it takes to build customer experience that feels smart, personal, and reliable.

Track: AI Native Finance

Stage: Innovate Stage

Fireside Chat

11:40-

12:00

When Research Meets Reality: How Academia Is Shaping Fintech Innovation

In this session, we discuss what happens when academic research and fintech innovation come together. The audience can expect to learn how universities, researchers, and fintech companies collaborate to turn theory into real products, strengthen decision-making, and accelerate innovation. A practical look at how knowledge, data, and experimentation move from classrooms into live financial services.

Track: Cross-Track

Stage: Ignite Stage

Fireside Chat

13:00-

13:20

Superpowered Advisory Through AI

What if every advisory meeting could be smarter, faster, and more valuable? In Superpowered Advisory through AI, we look at how AI can enhance customer engagement and empower advisors with real-time insights and better preparation. Using &money’s financial meeting platform as a foundation, the session demonstrates how technology can elevate advisory from a conversation to a scalable, high-impact customer experience.

Track: AI Native Finance

Stage: Disrupt Stage

Fireside Chat

13:40-

14:00

Are Banks Still in Charge of the Lending Experience?

Customers no longer start their lending journey with a bank. They start with choice, speed, and clarity. This fireside chat explores how platforms and aggregators are reshaping the lending experience, what that means for banks’ role and relevance, and how control is shifting as lending becomes embedded, comparable, and platform-driven.

Track: Platform Driven Finance

Stage: Disrupt Stage

Fireside Chat

14:40-

15:00

What If Your Bank Actually Knew You?

Most banks are drowning in customer data and starving for insight. In this fireside chat, SEB and Insurely pull back the curtain on their partnership and show what happens when banking and data are combined with intent, revealing how the right data strategy doesn't just improve products, it transforms the entire customer relationship from transactional to genuinely personal.

Track: AI Native Finance

Stage: Innovate Stage

Fireside Chat

15:20-

15:40

Why Every Platform Is Becoming a Financial Platform

Embedded finance is changing where financial services live. Instead of standalone tools, capabilities like cards, spending controls and financial data are increasingly built directly into software platforms. This conversation examines what that shift means for financial institutions and the future structure of financial services.

Track: Cross-Track

Stage: Innovate Stage

Fireside Chat

15:40-

16:00

Scaling without breaking: the hidden challenges of global fintech infrastructure

As fintech companies expand across borders, expectations around speed, reliability, compliance, and customer experience rise sharply – while tolerance for error remains close to zero. This session explores the practical challenges of building and scaling global fintech infrastructure, including how AI and automation can improve onboarding, compliance, and money movement – and where human judgment remains essential. Speakers share lessons from real-world systems about what scales, what breaks, and how teams navigate these trade-offs.

Track: Instant Finance and Payments

Stage: Innovate Stage

Fireside Chat

16:00-

16:20

Why Brussels Bet €10 Million on a Fintech (And What Everyone Else Missed)

In this fireside chat, Kaido Saar CEO and Founder of Mifundo joins the European Innovation Council to unpack how Mifundo became the only fintech awarded €10 million in EIC strategic innovation funding. The conversation breaks down what the EIC looks for, why fixing Europe’s fragmented credit market matters, and how fintech can compete for funding usually reserved for deep science and infrastructure.

Track: AI Native Finance

Stage: Innovate Stage

Fireside Chat

16:20-

16:40

The Last Manual Trade: How AI is Making Human Workflows Obsolete in Finance

Unique AI and Centevo are rewriting what financial services looks like from the inside. From agentic AI workforces serving private banks to AI-powered fund management in the Nordics, this conversation cuts to the heart of one question: as AI moves from tool to teammate, what happens to the humans, the workflows, and the institutions built around them?

Track: AI Native Finance

Stage: Innovate Stage

Fireside Chat

Day 2

March 19, 2026

Open to all

Backing the Disruptors: Investor-Startups Session

10:00

Duration: 2:00

Most investors write checks and wait. The best ones roll up their sleeves and build alongside their portfolio companies. Hear real case studies of investors deploying capital, networks, and expertise to help fintech startups crack new markets and create outsized value. Then watch those companies pitch live during our Startup segment, the challengers rewriting finance from the ground up. This is where ambition meets execution, where capital meets capability, and where the next wave of fintech disruption gets funded, built, and scaled in real time.

Room: Capital Stage

Type: Other

Open to all

Avoid the 5 Common Pitfalls Institutions Face When Entering Digital & Crypto Assets

10:00

Duration: 1:00

As institutional interest in digital and crypto assets grows, many organizations face uncertainty around risk/performance, regulation, and infrastructure. In this interactive workshop, Firi shares five common pitfalls institutions encounter when entering the space. Participants will discuss their key concerns, learn practical lessons from real institutional onboarding experiences, and see how compliant infrastructure such as Firi Black can support secure participation.

Room: Frontier Stage

Type: Workshop

Open to all

From Transaction to Transformation: How Fintech solutions can nudge, incentivize and enable sustainable consumption and behaviours?

11:00

Duration: 1:00

Why This Conversation Now? Consumer expectations are shifting. Regulation is tightening. Retail margins are under pressure. Fintech sits at the exact moment where purchasing decisions are made namely the transaction. The question is no longer whether sustainable consumption will scale. The question is: Who will design the financial infrastructure that enables it? This curated roundtable explores how fintech solutions can: Nudge purchasing behavior Create financial incentives for sustainable choices Unlock new commercial models for retailers and financial institutions The ambition is not awareness but collaboration. We are seeking engaged participants from target groups retail & commerce, fintech innovators, financial institutions and policy and ecosystem players. No presentations, no panels Facilitated working discussion Focus on identifying 1–2 realistic pilot collaboration

Room: Frontier Stage

Type: Roundtable

By invitation only

Nordea Roundtable – Definancing Between Innovation and Control: The one year down the line on MiCA and Stablecoins

12:00

Duration: 1:30

**THIS SESSION IS NOW FULL AND NO LONGER ADMITING REGISTRATIONS** Invite-only lunch by Nordea Nordea Roundtable – Definancing Between Innovation and Control: The one year down the line on MiCA and Stablecoins

Room: Nordea Lounge

Type: Roundtable

Open to all

Visa Innovation Program Europe: Shaping the Future of B2B Payments

13:30

Duration: 3:00

Join us on March 19 on Capital Stage at Münchenbryggeriet to meet the first cohort of eight fintech startups selected for the Nordics & Baltics edition of Visa Innovation Program Europe, who are shaping the future of payments across B2B solutions, embedded payment experiences, and cross-border innovation. Expect engaging fireside chats with leading fintech experts and top VCs discussing today’s biggest opportunities and challenges in fintech. Highlights include opening remarks from Visa and Tenity, a fintech fireside chat, VC roundtable, and networking with ecosystem leaders. Please register your attendance here: https://luma.com/vipe-sfw

Room: Capital Stage

Type: Other

By invitation only

AI-Native Financial Advice: Upgrading Customer Care in Traditional Finance

14:00

Duration: 1:00

We will discuss concrete bottlenecks within banks and asset managers and demonstrate how an AI-native advisory layer can sit on top of existing infrastructure to deliver personalized, context-aware recommendations in real time. This session is designed for senior leaders who understand regulatory and operational complexity. The focus is on implementation: how to integrate AI into existing structures without losing control, how to keep compliance embedded in every recommendation, and how to move from periodic, one-off advice to continuous client guidance.

Room: Frontier Stage

Type: Roundtable

Open to all

Large Nordic Banks Must Act Now: Practical Paths to Automation and Operational Resilience

15:00

Duration: 1:00

Join a peer roundtable for senior banking leaders focused on modernising bank confirmation and verification processes to reduce manual effort, improve turnaround times and strengthen auditability, security and oversight. We'll discuss practical approaches to standardisation, automation and workflow redesign across confirmations and related controls — and explore how banks can manage fraud risk, legacy constraints and regulatory expectations while building a more scalable and resilient operating model. The discussion will cover: Where manual bank confirmation processes create delays and rework Ways banks can strengthen control, auditability and fraud resilience How banks can identify the right automation and redesign opportunities Approaches banks can take to scale improvements across teams, systems and governance

Room: Frontier Stage

Type: Roundtable

Event Tracks

1.

AI Native Finance

AI is no longer just a tool for fraud detection or chatbots. It’s now foundational, powering credit risk models, hyper-personalized finance, and fully automated ops.

2.

Democratization of Wealth

Wealth and asset management are no longer just for the wealthy. Fintechs are turning complex products into simple, scalable offerings with huge B2B and B2C momentum.

3.

Instant Finance & Payments

With SEPA Instant becoming mandatory, this is the most practical and high-impact shift coming to European payments. It impacts everyone

4.

Finance Everywhere

This is where tech, UX, and regulation collide. This track is about who owns the customer journey and how financial services become invisible but indispensable.

5.

Platform Driven
Finance

There’s a quiet land grab happening: cloud core banking, orchestration layers, payment gateways, and data aggregators are all consolidating. This track explores what happens next.

Scroll to Top