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Ilkka Lähteenmäki Adjunct Professor (Ph.D) Research Fellow at Aalto University Hanken Affiliation Oulu University Affiliation Decentralised Finance - Research 16 years at Tieto 6 years at Sampo Pankki & Danske Bank 2 years at Aalto University, DIEM

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Page 1: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Ilkka Lähteenmäki

Adjunct Professor (Ph.D)

Research Fellow at Aalto University

Hanken Affiliation

Oulu University Affiliation

Decentralised Finance -

Research

16 years at Tieto

6 years at Sampo

Pankki & Danske

Bank

2 years at Aalto

University, DIEM

Page 2: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Digitaalisia pilkahduksia 60 vuoden ajalta

”Tulemme nakemaan

uudenlaisia liiketoiminnan

toimintamalleja, joissa

erityisesti asiakkaan

ensisijaiset tavoitteet otetaan

huomioon palveluja ja niiden

prosesseja suunnitellessa”.

- Pilkahduksia 2017

Page 3: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Jakelukanavista kohti asiakkaiden tavoitteita

Jakelukanavien

digitalisaatio

1. Vaiheen

alustapalvelut

2. Vaiheen

alustapalvelut

Integroituneet

finanssipalvelut

APItOpen

banking

Toimintamallin

innovaatiot

Fintech Techfin

Page 4: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Page 5: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Suunnistuskartan uusimisen tarve

Teknologiat

Kilpailu

Regulaatio

Asiakkaat

Liiketoiminta-

mallit

Innovaatiot

Page 6: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

Suunnistuskartan uusimisen tarve

Teknologiat

Kilpailu

Regulaatio

Asiakkaat

Liiketoiminta-

mallit

Innovaatiot

Page 7: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

EU Fintech Unicorns

Source: theboosterlabs.com

Page 8: Decentralised Finance - Research · PSD2 (XS2A) MiFlD Il ATF GDPR Fintechs Technology Incumbents An 'me ... EEA Internet ML, Tom Mitchell (-98 APIs & 2010' A 2000' obile MiFlD Il

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