Mobey Forum's Podcast

Embedded Finance: A Strategic Roadmap for Banks - Mobey Forum's Payments Expert Group

Banks are under pressure to define their role in embedded ecosystems—or risk losing relevance.  In this episode, co-chairs of Mobey's Payments Expert Group, Ville Sointu (Nordea) and Pål Krogdahl (Samlink), unpack the group’s recent report and take the discussion even further—exploring how Embedded Finance can move from theory into a practical growth strategy for banks. The session covers: * Why having a well-thought-out Embedded Finance strategy is crucial for banks * How different approaches to Embedded Finance can be defined: API-Driven Banking, Verticalised Offering, and Platform Banking * Real-life examples of banks successfully executing each of the identified strategies. Embedded Finance: A Strategic Roadmap for Banks - the full report is available free of charge on the Mobey Forum website [https://mobeyforum.org/embedded-finance-a-strategic-roadmap-for-banks/]. Support the show [https://www.mobeyforum.org/join/] mobeyforum.org [https://mobeyforum.org/]LinkedIn [https://www.linkedin.com/company/mobeyforum/] Youtube [https://www.youtube.com/@MobeyForum]

Wallets, Payments, Identity, and AI: 25 Years of Mobey Lessons — and the Road Ahead

Join Kasper Sylvest, Chair of Mobey Forum’s Board of Directors, as he revisits the industry’s turning points together with the ‘Mobey veterans’ Kristian T. Sorensen (IN Groupe), Amir Tabakovic (experiens.AI), and Ville Sointu (Nordea).  They reflect on how Mobey and the industry grew up together, with Mobey frequently anticipating the next shift — and why the most exciting changes may still be ahead. In this podcast, they trace the predictions, turning points, and lessons that have shaped the way we pay, identify ourselves, and imagine the future of banking.  What topics were explored: *  “This is the year of NFC” (… said every year, for a decade): For ten years, each new year was predicted to be the year of NFC. However, a breakthrough for NFC finally came with the emergence of HCE and a memorable unveiling of the world’s first HCE demo at Mobey’s Member Meeting. * The Wallet Era: From those beginnings came the era of the digital wallet — and the Mobey’s definition of a wallet that still holds firm today. The work evolved into the Control Points Framework to analyse the ownership dynamics in the wallet, and it’s still being used today for an analytical update of the wallet space. * From Payments to Identity: We began with payment wallets where ID was a feature. Now we are entering the age of ID wallets, with payments as the add-on. But perhaps what matters most isn’t the container’s name — only that we can access it. * Still Talking Wallets: We know the answer is “wallets,” but what exactly is the question? And should they even be called wallets? * “Payment is not a product. It’s a feature .”  A famous Mobey quote that is still as true today as ever, and one that product teams often forget. Its source may be forgotten, but its impact endures. * From Predictive Analytics to AI: A decade ago, we called it predictive analytics. Today, it’s AI in banking. Either way, it’s another means to an end. The challenge today is in creating the right environment for banks to harness AI effectively, guided by best practices and sound governance. When we see real gold, we build on it. When we see hype, we expose it. That has always been Mobey’s role. Enjoy! Support the show [https://www.mobeyforum.org/join/] mobeyforum.org [https://mobeyforum.org/]LinkedIn [https://www.linkedin.com/company/mobeyforum/] Youtube [https://www.youtube.com/@MobeyForum]

Mapping the Business Case: Banks and the EUDIW - Mobey Forum's Digital Identity Expert Group

In this episode, we take a deep dive into Mobey Forum’s latest report on the European Digital Identity Wallet (EUDIW), unpacking its key insights and strategic implications for banks. Members of Mobey’s Digital Identity Expert Group explore real-world use cases, regulatory timelines, market-specific hurdles, and the unique opportunities EUDIW presents for financial institutions. The session brings together expert perspectives from Heidi Torgnes [https://www.linkedin.com/in/heiditorgnes/] (Stø AS), Mikko Hiekkataipale [https://www.linkedin.com/in/mikkohiekkataipale/] (Nordea), John Erik Setsaas [https://www.linkedin.com/in/setsaas/] (Tietoevry), and Roland Eichenauer [https://www.linkedin.com/in/roland-eichenauer-61808911/] (IN Groupe), offering a valuable extension to the report with a focus on the strategic and business potential of EUDIW for financial institutions. The full report is available free of charge on the Mobey Forum website [https://mobeyforum.org/mapping-the-business-case-banks-and-the-european-digital-identity-wallet/]. Support the show [https://www.mobeyforum.org/join/] mobeyforum.org [https://mobeyforum.org/]LinkedIn [https://www.linkedin.com/company/mobeyforum/] Youtube [https://www.youtube.com/@MobeyForum]

10 Must-Answer Questions for Banking Executives - Mobey Forum's AI Expert Group

Conversational AI is rapidly transforming digital banking—but before launching, are you asking the right questions? In this podcast, the co-chairs of Mobey Forum’s AI Expert Group—Amir Tabakovic [https://www.linkedin.com/in/tabakovicamir/], Rupert Rieder [https://www.linkedin.com/in/rupert-rieder-b7703996/]— and Vjekoslav Bonic [https://www.linkedin.com/in/vb78/] discuss the key insights from their newly published infographic, 10 Must-Answer Questions for Banking Executives to Ask Before Going Live with Customer-Facing Conversational AI Solutions. Developed through interviews with AI leaders from leading banks and industry experts, the infographic highlights the most important strategic, regulatory, and operational considerations for a successful AI deployment. Topics include AI governance, risk management, human intervention protocols, and responsible data handling.  Infographic available free of charge here [https://mobeyforum.org/10-must-answer-questions-for-banking-executives-to-ask-before-going-live-with-customer-facing-conversational-ai-solutions/].  Support the show [https://www.mobeyforum.org/join/] mobeyforum.org [https://mobeyforum.org/]LinkedIn [https://www.linkedin.com/company/mobeyforum/] Youtube [https://www.youtube.com/@MobeyForum]

Account-Based Digital Wallets: Navigating the Future of Payments - Mobey Forum's Digital Wallet Expert Group

In February 2025 Mobey Forum’s Digital Wallet Expert Group published 'Account-Based Digital Wallets: Navigating the Future of Payments' - a report that delves into the accelerating shift from card-based to account-to-account (A2A) wallets, highlighting the opportunities, challenges, and strategic imperatives for financial institutions. In this podcast, the co-chairs of the group and authors of the report, Kristian T. Sørensen [https://www.linkedin.com/in/kristiant/] from IN Groupe, Marina Repo [https://www.linkedin.com/in/marina-repo-37592a36/] from Nordea and Cédric Sieber [https://www.linkedin.com/in/c%C3%A9dric-sieber-4327b2b6/] from PostFinance, discuss the key findings. The full report is available free of charge on the Mobey Forum website [https://mobeyforum.org/account-based-digital-wallets-navigating-the-future-of-payments/]. Support the show [https://www.mobeyforum.org/join/] mobeyforum.org [https://mobeyforum.org/]LinkedIn [https://www.linkedin.com/company/mobeyforum/] Youtube [https://www.youtube.com/@MobeyForum]