Green bonds are picking up the pace

Climate change is real, the earth is getting warmer, and it is our fault. The rate of human-induced rate species extinction is accelerating to more than 1,000 to 10,000 times the normal rate. Water scarcity is getting worse, where at the current consumption rate, two thirds of the world population may face water shortages by 2025. Our oceans are not in a healthy state either, 63 percent of global fish stocks are considered overfished, and where there are no more fish, we are filling our oceans with plastic waste. In order to combat these and many other challenges affecting the environment, we must all do our part, and that includes the financial services industry.

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Join me at Money 20/20 Europe in June

Join me at this year’s Money 20/20 Europe in June where I will be hosting an all-star panel on how all disruptors eventually become incumbents. From the perspective of Sbanken, the original challenger bank, existing digital-only since 2000, I will lead the discussion together with well-renowned fintech unicorns as they are coming of age. Stay tuned for more and get your tickets at Money 20/20.

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Tenk som en kjeltring

Samtidig som både norske forbrukere og virksomheter er blant de mest digitale i verden trekkes det stadig frem at Nordmenn både er naive og utsatt når det kommer til digital sikkerhet. Når det kommer til digitale løsninger er det til syvende sist mennesker som ikke bare bruker, men også designer og utvikler løsningene. Ved å tro det beste om folk, risikerer vi å overse hvordan det vi lager kan benyttes til ondsinnede formål.

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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.

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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?

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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.

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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.

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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.

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