Annika Javestad

How to avoid the invisibility paradigm for incumbent banks? Johan outlines 4 key points - worth listening to this 60 sec perspective.

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Learn More: https://www.dkgroup.pk Ready to make your money work for you? Join the smart investors at DK Group today and unlock your financial potential! With our expert guidance and diverse portfolio options, you can secure a brighter tomorrow starting now. Don't miss out on this opportunity to build wealth and achieve your goals. Invest with confidence, invest with DK Group! 💼💰 #investmentopportunity #FinancialFreedom #DKGroup #SmartInvesting

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This is huge! Klarna CEO Sebastian Siemiatkowski sees a 20% job reduction each year as the company adopts AI 👇😳 "We have stopped recruitment, and we're shrinking in number of employees by about 20% per year" - Sebastian Siemiatkowski But here comes the crazy part. Thanks to artificial intelligence, in just 1Q 2024, Klarna: - Cut sales and marketing spending by 11%. 37% of that reduction was due to AI and is equivalent to $10 million in annual savings. - Employed generative AI tools such as Midjourney and OpenAI's DALL-E that saved the company $1.5 million on image production costs. AI is eating FinTech. P.S. join me to discuss AI in Finance & the Future of FinTech in a live event next week: https://lnkd.in/dnKggTyK [it's free!] 🚀

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Three challenges that Nordics marketers are facing, and how to overcome them ✅ Tightening budgets, a focus on efficiency, and meeting agendas peppered with the words do more with less… Sounds familiar, right? As marketers, your day-to-day lives are hitting some serious turbulence courtesy of the shifting financial landscape. But across the Nordics, marketing teams are overcoming this challenge. In fact, some are even using these tough times as an opportunity to reevaluate their approach. 💡 Want even more crucial tips, or learn more about the ones we've mentioned? Check out the full State of Marketing report here 👉 https://sforce.co/3UppWYm #SalesforceDK #SalesforceNO #SalesforceFI #Marketing

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In Q1 / 2024 we continued to build for the future for our customers, shareholders and society. A strong bank is a resilient bank, and we are always working to strengthen Nordea – building on our robust financial position and developing every aspect of our operations. We are strengthening our technology foundation. We are investing in our digital offering to ensure we can offer our customers the very best services and experiences. And we are working to protect our customers and societies from financial crime. A strong bank is also a responsible bank, which is why we maintain our strong focus on reducing financed emissions and supporting our customers in meeting their climate transition requirements. One quarter of 2024 is behind us and our results show continued solid business momentum. We look forward to the rest of the year and to be the preferred partner for customers in need of a broad range of financial services. Here you’ll find all details about our results: https://lnkd.in/dTwpEwtE #report #result #NordeaQ1_2024 #myNordea

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Klarna, the Swedish fintech company is already saving directly from GenAI. **Overview**: - Klarna provides online financial services such as payment solutions and buy-now-pay-later (BNPL) options for consumers and merchants. **Key Products and Services**: - _Payment Solutions_: Klarna offers a range of online payment options for merchants, including direct payments, pay later, and pay in installments. - _Buy-Now-Pay-Later (BNPL)_: Klarna's flagship product allows consumers to purchase items and pay for them in interest-free installments over time. - _Financing Options_: Klarna provides consumer financing solutions, including revolving credit lines and short-term loans. - _Shopping Service_: Klarna offers a shopping app and browser extension that allows users to manage purchases, track orders, and access BNPL options. **Growth and Expansion**: - Klarna has grown rapidly since its founding, expanding beyond its home market of Sweden to operate in over 45 countries worldwide. - It has collaborated with numerous major retail brands and merchants to integrate its payment solutions. - Klarna has raised significant funding from investors, reaching a valuation of over $45 billion as of 2021, making it one of Europe's most valuable private fintech companies. **Regulatory Landscape**: - As a financial services provider, Klarna operates within a complex regulatory environment, particularly around consumer lending and data privacy. - The company has faced some scrutiny and criticism related to its BNPL model and potential risks to consumers. That covers some of the key high-level points about Klarna and its business. Let me know if you have any other questions! **GenAI** Read below the AI usecase directly of Klarna.

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Las Vegas, we’re ready! Mikael Linell and Isak Nyberg are heading to Money20/20 Las Vegas 2024 from October 28th to 30th, where they’re eager to meet forward-thinkers and innovators in the payments and banking sector. They’re also excited to catch up with familiar faces from past events. Be sure to schedule a meeting  through the platform or send an email to [email protected] to learn more about Centiglobe’s cutting-edge solutions. Centiglobe helps banks, financial institutions, and companies unlock and accelerate business value by enabling predictable, transparent, secure, and instant global payments, powered by DLT and tokenized deposits. Let’s meet in Las Vegas and explore how we can drive innovation together! #crossborderpayments #tokenization #tokenizeddeposits #innovation #blockchain

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Svenska kraftnät can conclude that the auctions were characterised by continued good price formation and showed the highest average participation per quarter since the start. The quarter was characterized by stable prices for the EPAD contracts, low volatility for the calendar year contracts and a marginal price divergence between the bidding zones SE2 and SE4. The turnover in continuous trading increased in SE2 and SE3, but decreased in SE4. https://lnkd.in/dGaUjvSG #EPAD #electricitymarkets #forwardmarkets #hedging

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Fintech is losing momentum in attracting venture capital - here is the money!   Our Head of NewTech, Bent Dalager has looked into our latest Pulse of Fintech report, and the trends are clear. The investments are flowing away from Fintech and towards other areas. Bent Dalager told Børsen this insight:   "The next big thing in investment is AI and ESG and Fintech is reclining."   The report also shows a massive billion dollar recline since 2021 in European Fintech Investments. Read the full article in Børsen and learn more (in Danish): https://lnkd.in/dG_cXAgk

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Is Customer Feedback essential for success in BtB relationships ? I think few will argue this is not the case, although far from all actually collect feedback from their BtB customers. Some compelling stats to support the argument: - 86% of BtB customers are willing to pay more for a better customer experience - Companies using customer feedback actively see 15-20% higher win rates - Reducing customer churn with 5% can boost profits by more than 25% Actionable feedback will help you tailor services, meet client needs and strengthen trust. All the components you need to have lasting relationships, growth and competitive edge 🚀🚀 How do you ensure your competitive edge in your BtB relationships ? #customerexperiences #feedbackmatters #BtB CXFacts #insights Sources: Walker Info, Gallup, Bain&Co

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New Podcast Just released.... 𝐔𝐧𝐥𝐨𝐜𝐤𝐢𝐧𝐠 𝐭𝐡𝐞 𝐩𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐨𝐟 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐯𝐞 𝐀𝐈 I hear how companies are adopting Generative AI every day and recently I explored this topic with Klarna's innovation leaders Carolin Ewetz and Maria Zaphiropoulos on the Evolution Exchange Podcast. During this conversation we explored some great insights: ➡ 𝘏𝘰𝘸 𝘒𝘭𝘢𝘳𝘯𝘢 𝘪𝘴 𝘥𝘦𝘮𝘰𝘤𝘳𝘢𝘵𝘪𝘻𝘪𝘯𝘨 𝘈𝘐 𝘴𝘬𝘪𝘭𝘭𝘴 𝘢𝘤𝘳𝘰𝘴𝘴 𝘵𝘩𝘦 𝘦𝘯𝘵𝘪𝘳𝘦 𝘰𝘳𝘨𝘢𝘯𝘪𝘻𝘢𝘵𝘪𝘰𝘯 ➡ 𝘛𝘩𝘦 𝘭𝘢𝘶𝘯𝘤𝘩 𝘰𝘧 𝘵𝘩𝘦𝘪𝘳 𝘳𝘦𝘷𝘰𝘭𝘶𝘵𝘪𝘰𝘯𝘢𝘳𝘺 𝘎𝘦𝘯𝘈𝘐 𝘈𝘤𝘢𝘥𝘦𝘮𝘺 ➡ 𝘉𝘳𝘦𝘢𝘬𝘪𝘯𝘨 𝘥𝘰𝘸𝘯 𝘣𝘢𝘳𝘳𝘪𝘦𝘳𝘴 𝘧𝘰𝘳 𝘯𝘰𝘯-𝘵𝘦𝘤𝘩𝘯𝘪𝘤𝘢𝘭 𝘱𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭𝘴 ➡ 𝘙𝘦𝘢𝘭 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘦𝘴 𝘧𝘰𝘳 𝘪𝘯𝘵𝘦𝘨𝘳𝘢𝘵𝘪𝘯𝘨 𝘈𝘐 𝘪𝘯𝘵𝘰 𝘦𝘷𝘦𝘳𝘺𝘥𝘢𝘺 𝘸𝘰𝘳𝘬 ➡ 𝘛𝘳𝘢𝘯𝘴𝘧𝘰𝘳𝘮𝘪𝘯𝘨 𝘸𝘰𝘳𝘬𝘱𝘭𝘢𝘤𝘦 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘷𝘪𝘵𝘺 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘤𝘶𝘵𝘵𝘪𝘯𝘨-𝘦𝘥𝘨𝘦 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘺 "𝑾𝒆 𝒘𝒂𝒏𝒕 𝒕𝒐 𝒆𝒏𝒔𝒖𝒓𝒆 𝒆𝒗𝒆𝒓𝒚𝒐𝒏𝒆 𝒇𝒆𝒆𝒍𝒔 𝒄𝒐𝒎𝒇𝒐𝒓𝒕𝒂𝒃𝒍𝒆 𝒂𝒏𝒅 𝒆𝒎𝒑𝒐𝒘𝒆𝒓𝒆𝒅 𝒃𝒚 𝑨𝑰" - Maria Zaphiropoulos "𝑮𝒆𝒏𝒆𝒓𝒂𝒕𝒊𝒗𝒆 𝑨𝑰 𝒊𝒔 𝒉𝒆𝒓𝒆 𝒕𝒐 𝒔𝒕𝒂𝒚. 𝑻𝒓𝒚 𝒊𝒕, 𝒕𝒆𝒔𝒕 𝒊𝒕, 𝒆𝒙𝒑𝒍𝒐𝒓𝒆 𝒊𝒕." - Carolin Ewetz This isn't just a podcast - it's a roadmap for the future of work in the AI era and real examples of how you can implement this into your daily work! 🎧 You DO NOT want to miss out... Listen Now For more great content like this follow Evolution Nordics ✨

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At Miden (YC W24), we've achieved zero churn from dissatisfied customers, and the secret to our success is simple yet powerful: customer feedback. At MIDEN we believe that customer service is not just about solving problems—it's about understanding them. That's why every client has direct access to our team through Slack, ensuring immediate communication. But we don't stop there. We actively seek feedback by conducting regular, in-depth feedback sessions with each customer. This commitment to listening and learning allows us to address potential issues before they escalate, creating a seamless experience for our customers. Remember, no matter how much effort you put into tech/product development and marketing, it all falls short if you're not closely aligned with your customers' needs. Don't fall into the trap of endless feature building without user input, that's a recipe for creating a product nobody wants. And just like our friends at YC always say—”Make something people want”.

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🚀 Meet Frida Gardberg, our new Product Area Manager for Payments, Frida joined Crosskey in the beginning of 2024, welcome (again) 😊. ➡ You been here for 3 months now, what are your first impressions of Crosskey? ⭐ What has struck me the most is the strong business culture where people support each other, are dedicated, and always strive to do their best (and even a bit more) to contribute to both Crosskey’s and our customer’s missions. I’m also impressed by the knowledge and competence among my colleagues, and the mentality that there is always a solution and when working together, we can achieve extraordinary things. ➡ What did you do before Crosskey? ⭐ My background is mainly in banking. I most recently worked at Ålandsbanken in Mariehamn for 6 years (the past two years as a Development Manager, and before that as a Leading Business Developer/Project Manager). I also have banking experience from Aktia Bank in Helsinki, where I worked with business development for 5 years. That I now get to experience banking from the supplier’s side is exiting, and I think that my background from previously being a Crosskey customer myself will be a strength in my new role. ➡ There are many things affecting the payment area at the moment, what opportunities and challenges do you see, and what can Crosskey do to support? ⭐ There is high pressure on banks in all of Europe to live up to all the regulations that concern the Payments area. Even though the regulations might feel challenging and both time consuming and costly for the banks, they also help the financial sector to evolve and improve and modernize the payments area. For example by standardizing payments schemes and allowing payments to move more seamlessly (but still safely). Our long background in banking, and knowledge of both the Finnish and the Swedish market, we at Crosskey have the capability to help our customers on that journey. ⭐ Interested to hear more about our Payment Solutions ➡ https://lnkd.in/dMBsVPhc #payments #cardsolutions #banking

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The Nordic startup ecosystem is brimming with potential, and one standout company leading the charge is Leya from Sweden. Their innovative AI tool aims to revolutionize legal operations by integrating data across international legal databases, positioning Leya as the next Swedish unicorn. The recent $10.5 million seed round, led by Benchmark after graduating from Y Combinator, speaks volumes about their trajectory. To consistently nurture unicorns in the Nordics, there must be a greater emphasis on fostering incubators and supporting early-stage startups. SSE Business Labs' success showcases what can be achieved with a laser-focused strategy and a dedicated team, proving that even a small group can help build successful startups. Looking ahead, it's crucial for the Nordic region to invest in and develop better incubators that provide essential resources and mentorship for startups to thrive. By doing so, we can ensure a steady stream of innovative companies like Leya, propelling the Nordics to new heights in the global startup arena. Read more on Nordic startups handpicked to be the next big thing: https://lnkd.in/dsNQyXxt #NordicStartups #SwedishUnicorn #Innovation #Entrepreneurship #Incubators #StartupGrowth #SSEBusinessLabs #Leya #VentureCapital

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💡Kvarn X Pro - Premium services for individuals and institutions At Kvarn X Pro, we offer more than just premium access to essential market insights and tailored investment themes. With the best-aggregated liquidity in the Nordic markets and collaboration with leading market makers, we ensure that our clients have access to unparalleled trading opportunities. Benefits of Kvarn X Pro: 📈 Exclusive insights: Weekly reports that distill critical market trends and identify investment opportunities. 🤝 Expert wealth management: Personalized guidance from our experienced wealth managers to help you make informed decisions. 💼 Tailored investment portfolios: Efficient execution, monitoring, and analysis of multiple strategies simultaneously. Reach out to our wealth manager, Tuomas Maksimainen, and discover how our insights and services can guide you through the complexities of crypto investments. #KvarnXPro #CryptoInvestment #MarketInsights

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"It's the elegance and the feel and the simplicity of the product" 🙌 That's what Jeppe Rindom from Pleo said when asked about what makes the Nordics so special ✨ Last year during Nordic Fintech Week, we had the utmost pleasure of speaking with Jeppe Rindom, the founder of one of Denmark's most successful fintech companies. Pleo was founded years ago, back when fintech was barely a thing in Denmark 🚀 Nordic Fintech Week, being the most international event in the Nordics, was the perfect place to ask a native Nordic Fintech Hero what people can learn from the region. Jeppe mentioned, "I think something that translates outside of tech and fintech is the design heritage that we have in Denmark. In software, it translates into really caring about simplicity, that your brand and your product should be beautiful. I think that is incredibly valued outside of Denmark as well." 💬 With Nordic Fintech Week 2024 just around the corner, we couldn't be more excited to contribute to this incredible event once again! 🌟 Come join us as a partner and connect with the audience through speaker opportunities, booths in the exhibition area, thought leader articles and videos, social events, and much more. As a Nordic Fintech Week partner, your brand enjoys prominent exposure before, during, and after the event, reaching over 188,000 readers worldwide through Nordic Fintech Magazine and Nordic Fintech Week’s channels. 🌐📣 Don't miss this opportunity to elevate your brand and connect with the Nordic fintech community. Get involved with Nordic Fintech Week today! For more information on partnership opportunities, contact Stian Faber. Get your ticket here 👉 https://nfweek.com/ Let's shape the future of fintech together at Nordic Fintech Week! 🌟 #Fintech #Finance #Event #nfw24 #nordicfintechweek #fintechmatters Copenhagen Fintech Corinna Covini David Grundy Simon Schou Thomas Krogh Jensen Wassa Camara Marie-Louise Roth Laura Kristine Østergaard Sørensen Carsten Christensen Damián Džamba Ditte Gerner Dyhr Andrei Anghel Nicolette Tham Barbara Švigová

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Read this.. the future impact of ai.. its here now..

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