We open the doors - welcome
Opening remarks by our moderator
The Next Growth Engine of Nordic Financial Services
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- Where will the next meaningful wave of growth come from for banks and insurers?
- Which traditional revenue pools are under pressure – and which new ones are large enough to move the P&L?
- New customer needs, services and business models as sources of growth
- Where should financial institutions place their biggest strategic bets for the next five years?
Who Will Own the Customer in 2030?
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- Who will own the customer relationship, distribution and ultimately the margin?
- Banks and insurers versus fintechs, platforms, wallets, marketplaces and AI agents
- What happens when someone else becomes the customer’s primary financial interface?
- How do financial institutions remain relevant across the customer’s life, not just at the moment of purchase?
What Happens When Your Best Banker Is an AI?
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- What happens when every customer can have access to always-on, highly personalised financial advice?
- How far can AI change sales productivity, advisory, underwriting, service and lending?
- What happens to cost-to-income when the marginal cost of knowledge work falls dramatically?
- Who owns the customer relationship when AI becomes the customer’s trusted financial interface?
- Where will human expertise still create differentiated value?
Customers Don't Want Financial Products. They Want Financial Security.
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- Customers don’t want a mortgage – they want a home
- They don’t want insurance – they want certainty when something goes wrong
- They don’t want investment products – they want financial freedom
- What changes when banks and insurers organise around customer outcomes rather than product categories?
- Could banks and insurers increasingly compete for the same customer needs?
The Invisible Financial Institution
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- What happens when customers no longer need to actively “go to their bank or insurer”?
- AI agents, embedded finance and ecosystems moving financial services into the background
- When does invisibility create growth – and when does the financial institution become a commodity?
- Who owns the customer, the data and the economics when distribution moves elsewhere?
The Productivity Dividend - Where Should the Gains Go?
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- What if technology fundamentally lowers the cost of running a financial institution?
- Should the productivity dividend go to lower costs, better service, lower prices, more advice – or higher growth?
- How much of today’s operating model, legacy structure and manual work is still necessary?
- What happens to talent and organisational design when AI and automation change the economics of knowledge work?
- Can productivity become a source of competitive advantage rather than simply a cost-cutting programme?
The Trust Advantage: Can Safety Drive Growth?
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- Can trust increase conversion, retention and share of wallet?
- What does customer trust mean in the age of AI-enabled fraud, deepfakes and identity theft?
- Can fraud prevention and security become part of the customer proposition?
- How much friction will customers accept in exchange for greater safety?
- Could the safest financial institution also become the most attractive one?
The Financial Institution That Doesn't Exist Yet
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- If we built a financial institution from scratch today, what would we do differently?
- Which existing products, processes, organisational structures and technologies would we choose not to rebuild?
- What would an AI-native, real-time and outcome-led financial institution look like?
- Who would be its most dangerous competitors – and would they even be financial institutions?
- What should today’s leaders start building now to remain relevant into the 2030s?
Closing Summary by our Moderator