Innovation – Finance – Technology



This is the personal blog of Christoffer O. Hernæs.  Independent advisor on change management and business development. Former Chief Digital/Technical Officer in Sbanken, Norway’s first online-only bank and leading challenger bank. Former VP of strategy and innovation in SpareBank 1, the second largest financial institution in Norway.  Experienced management consultant and Msc. from University of Oslo. I will publish my personal views on subject matters that interest me. Feel free to look me up on LinkedIn for more.

Passionate about innovation and digital disruption. Currently focusing on fintech and its implications for the financial industry. Former expert columnist in TechCrunch and Dagens Næringsliv. I will occasionally write some blog posts in Norwegian.

All views and opinions posted on this blog are those of the author. This site should not be affiliated to any employers, board positions or other organizations the author could be linked to. All content provided on this blog is for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. The owner of this blog will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information. Images used are under the creative commons licence.

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2 thoughts on “About

  • Paul Kongsness

    Synd å miste en så dyktig mann – lykke til i Skandiabanken

  • Joao Valentim Bohner

    Hello Christoffer,
    What happens in the financial industry is that the ‘box’ is too old.
    So we should not ‘think-out-of-the-box’ but ‘forget-the-box’.
    With this focus, I have built a Disruptive Architecture on which I want to exchange ideas with you.
    I firmly believe in a new path to dealing with the banking business.
    I am available to provide more details of the Architecture as well as my thinking of how will be managing the financial business near future.

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