Bo is the Nordic Sales Director of Experian. He has more than 25 years’ experience from working with data and the credit industry, helping both SME’s and enterprise clients locally and internationally to solve their credit risk challenges. Bo is also an external lecturer at Copenhagen Business School, where he teaches data and innovation related topics.

In this session, Jakob and Herman will take you through the macroeconomic outlook of the Nordic and Netherland credit industry. They will share key insights on how the industry has evolved during Covid and what changes you can expect in 2021.

Jakob Færgeman is a Global Consultant and Head of Analytics in Experian Nordics and holds more than 15 years experience of working with enterprise clients globally, managing challenges within credit risk and strategy, analytics, regulation and customer management.

Herman is for many years a professional in credit risk management. Self-starter, entrepreneur, pragmatic, realistic, and goal oriented.

Credit risk management is in his vision an important element in all part of the credit cycle of a customer. It starts in originations; it continues in customer management and might end in collections management. Advanced use of data in combination with analytics, timely decisioning and effective workflow management support is key.

This in combination with 360 degree customer insight makes that credit risk management adds huge value to any type of business.

He often makes the comparison of working in a team and playing a bass guitar in a band: a solid and important base in a team, attributing to a target with a creative and dynamic approach. His experience in risk, fraud and collections management is the asset that he wants to present to the world to make sure everyone (partners, colleagues and consumers) benefits from it.

Eigil will talk about how they have used data and analytics to create a platform where consumers can access credit data and credit scores for free.

Eigil Arff Tarjem is the founder and CEO of Defero. Eigil started his career within finance at just 14 years old in Citigroup, and have also worked in Axo Finance, Sparebanken Øst and Bisnode, before founding Defero. Defero is a platform where Norwegians get access to their credit data and credit score, for free.

The platform also provides a personal budget, analysis of the member’s financial situation, tailored offers and a unique “best interest rate dashboard” which is based on the available credit data. Based in Oslo, Norway, Defero was soft-launched in May 2019 and has since then surpassed 60 000 members, and is set to launch a comprehensive expansion of its platform by the end of 2020.

Javier will provide insights on how Experian has worked with clients globally to manage credit risk during Covid and how Experian's Data Labs continously push innovation across the business. Most recently, Javier's team has been working with the local health authorities in the UK (NHS) on a COVID model that can predict how the disease will spread locally – rather than the national average.

Javier Campos is the Head of the Experian DataLabs for UK&I and EMEA. He oversees innovation with emphasis on the development of new Data-driven products and services. Pioneering application of Artificial Intelligence in mobile, voice, fraud, credit, marketing, social media, digital advertising and healthcare. Javier is also a permanent member of the Bank of England & FCA Artificial Intelligence Public-Private Forum, an industry group created to accelerate AI adoption within the Finance industry. He is a frequent speaker at industry conferences.

Javier has 28+ years’ experience globally within the Finance, AI, Market Research, Media and Technology fields including serving at Global Chief Technology Officer at Kantar-WPP, Havas Media and CIO at GroupM-WPP.

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The Nordic economies have been severely affected by the on-going pandemic, although better compared to most other regions. A broadly based welfare system, a large public sector and strong public finance are common features of the Nordic economies. However, payment problems will most likely increase going forward. So how is the pandemic affecting payments? Intrum has asked almost 5.000 households and 10.000 businesses across Europe on payments and other financial challenges during the pandemic.

Jesper is joining us live in the studio to have an open and live discussion on their journey, working under a bank license in Denmark, during the pandemic, and their outlook for the future.

Ferratum is an international bank providing financing for both consumers and businesses. Ferratums activities in Denmark recently moved under their European banking license in December 2019. Jesper is joining us live in the studio to have an open and live discussion on their journey, working under a bank license in Denmark, during the pandemic, and their outlook for the future.

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Tech entrepreneur Ken Villum Klausen is founder and CEO of Nordic challenger bank Lunar. He has led and built several startups before Lunar was established in Denmark in 2015.

Lunar is a Nordic focused digital bank with an all-on-one app for you to make the most of your money and business. Lunar is on a mission to change banking and is currently building a Nordic bank from scratch after obtaining a banking license in August 2019.

Lunar has 200,000 users in the Nordics, offices in Aarhus, Copenhagen, Stockholm and Oslo and +190 employees.

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Bo is the Nordic Sales Director of Experian. He has more than 25 years’ experience from working with data and the credit industry, helping both SME’s and enterprise clients locally and internationally to solve their credit risk challenges. Bo is also an external lecturer at Copenhagen Business School, where he teaches data and innovation related topics.