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10:15 - 10:45 Jim MarousMichal Panowicz


Keynote Fireside Chat: What it Takes to be a Fintech Start-Up


Jim Marous
Co-publisher, The Financial Brand/ Digital Banking Report

Michal Panowicz
SVP, Deputy Head of Digital Banking, Nordea


Session Description

To understand the future of banking, it is important to understand what it takes to transform from a traditional bank to a fintech leader. While there are many advantages to being a more agile competitor in an industry known for risk aversion, regulatory hurdles and a penchant for sticking to tradition, there are also significant challenges. These include, but are not limited to changing existing cultures, internal funding, how to leverage an existing physical infrastructure and how to build a digital bank from a legacy foundation.

 Michal Panowicz, SVP and Deputy Head of Digital Banking at Nordea and previous chief architect of the digital banking leader, mBank will discuss the opportunities and challenges of transforming a legacy banking organization into a fintech leader. With perspectives on new challenger banks in the UK and US that are built from a mobile-first platform, will share what it takes to create banking experiences that have won more than a dozen digital banking innovation awards globally. He will also answer the question, “Branch or no Branch?”


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