Kristian Luoma runs innovation operations at OP – Finland’s biggest Financial Group. Kristian has created services for millions of customers, including the award-winning Pivo Mobile Wallet. He is an expert in lean service creation and is public speaker about startup innovation and impact of technology to businesses. Kristian’s background lies in startup world and Finnish Nokia, which gives him a different viewpoint and expertise to financial disruption, as well as digitalization.

 

 

 

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