You cannot step into the same river twice
Why do once great companies continue to fail to keep up with the times? One explanation is that they attempt to solve the problems of tomorrow with the tools of yesterday.
Read more
Sbanken chooses Nets to support TPP initiatives under PSD2
Sbanken selects Nets Access to Account Services (NAAS) for a single platform enabling access to banks across the Nordics and
Read more
Scaling development capacity
As head of business development and IT, making sure we have sufficient developer capacity to reach our goals is a significant part of my job. I thought I’d share the story of how we successfully have scaled our development capacity significantly while maintaining productivity and cost-efficiency.
Read more
Why is legacy tech problem and how do we fix it?
One of the issues for incumbents when facing a new digital reality is the burden of legacy technology. Why exactly is this a problem, how do we end up with legacy IT, and how should we approach it?
Read more
Building a personal brand
Even though my primary driver for writing this blog is to gain a better understanding of various topics related to my everyday job as well as some out of pure curiousity. In my mind, if I am able to make enough sense of a topic to create an understandable text, I have gained a higher level of understanding than if I just were to read a book or an article. It is no secret that building a personal brand at the same time has been intentional and carefully planned. For those who wish to do the same, here is my advice.
Read more
The Norwegian fintech scene illustrated
The Norwegian fintech scene is rapidly expanding. For those wish to stay updated, here is a great visualization provided by The factory.
Read more
Nye digitale forretningsmodeller eller digitaliserte raskere hester?
Digitalisering er ingen engangsøvelse, og der vi tidligere har vært dyktige til å digitalisere eksiterende prosesser for å løse kjente oppgaver raskere og mer kostnadseffektivt handler det å være digitalt om å re-tenke sine prosesser og forretningsmodeller ved smart bruk av ny teknologi. Norske banker har lang historikk for å bruke teknologi til å løse kjente problemer, men hvordan skal vi rette blikket fremover og løse morgendagens problemer for våre kunder?
Read more
Radical innovation requires discipline
One of the hardest activities in both startups and established companies is radical innovation. While incremental innovation is all about improving the existing, radical innovation is often related to coming up with the next big thing. How shoud both incumbents and startups approach this the mystery of radical innovation?
Read more
Do you have a data strategy?
In a world of digital ecosystems, data is the raw material that fuels the digital economy. In order to be a part of this value creation, there is a need to have a clear data strategy. How does one go from the traditional approach to collection, storage and reporting to strategic use of data?
Read more
What Bitcoin Did
Bitcoin as a computer system just turned 10 years. Satoshi Nakamoto fired off the system by hand-coding the first block in the system, block #0, and the rest is history. However, the history is still short, and we still do not know what impact cryptocurrencies and blockchain technology will have on our society as a whole, or the financial sector in particular.
Read more
Are incumbents seeking comfort in infrastructure
A metaphor describing the challenges incumbent banks were facing at the dawn of fintech was whether the banks were destined to maintain the rails or operate the train in competition with nimble startups and tech giants. Even though every bank out there were and still is unified in their quest to resist disintermediation and maintain ownership of the customer relationships, actions speak louder than words.
Read more
Gjør det enkelt
This blog post was originally published at Dagens Næringsliv (in Norwegian) Det sies at en gjennomsnittlig voksen person tar 35 000
Read more
Will bitcoin become worthless?
Since the peak of the bitcoin craze last year, bitcoin prices have been steadily declining throughout 2018. At this time one year ago, I argued that bitcoin is useless for anything else than speculation. While it is still possible to profit from speculation, the profitability of bitcoin mining is diminishing, and thus at risk of underpinning the whole fundament of bitcoin, making the uselessness of bitcoin absolute.
Read more
Open banking: Going from vision to execution
By now, open banking has become the talk of the town in the banking industry. However, going from strategy to execution is the tricky part. Moving too fast without sufficient understanding your surroundings may result in unforeseen consequences, and on the other hand playing it (too) safe may result in a never-ending strategic analysis of what you could have, would have and should have been done. In order to get started, one must be able to refine and restrict the scope, focus and deliver.
Read more
Sbanken continues to deliver on open banking with student loan integration
Starting this week, customers of Sbanken will be able to view outstanding student debt in their mobile- and online bank.
Read more
Building a killer team
Flying solo is a bad idea when facing change. Whether the task is accelerating growth, digital transformation or a turnaround case, a team effort is required to create sustainable change. Knowing who you need by your side and how to make your team act like one singular unit is crucial for success.
Read more
Strategic choices in a new world of banking
Fintech has gained momentum in the banking industry and changes in the competitive landscape are already becoming observable. As the majority of players are increasing emphasis on the user experience, the competition is likely to increase. Who are the potential players, and how will this affect customer mobility and profitability in the market.
Read more
Threats to marine life we need to be concerned about
This is a guest contribution by Anna Kurcirkova. Though we share this big, blue planet with thousands of species, human beings
Read more
Sikkerhet er inngangsbilletten for å lykkes digitalt
I takt med digitaliseringen øker behovet for kompetanse og fokus på digital sikkerhet eller cybersikkerhet. For bedrifter som ønsker å
Read more
64 tiltak for økt digitalisering av Norge
Det siste året har jeg hatt gleden av å delta i regjeringens styringsgruppe og ekspertutvalg for næringslivets evne til å utvikle og ta i bruk ny teknologi. Resultatet er 64 konkrete råd for å styrke Norges konkurransekraft gjennom digitalisering. Vi ikke bli best på alt, og vi anbefaler derfor strategisk satsing på de fire teknologiområdene kunstig intelligens, stordata, tingenes internett og autonome systemer.
Read more