About Author: Christoffer o Hernaes

Christoffer O. Hernæs is passionate about innovation and digital disruption. Currently focusing on digital transformation of financial services and fintech. He is Chief Digital Officer in Sbanken, Norway’s first online-only bank and leading challenger bank. Former VP of strategy and innovation in SpareBank 1, the second largest financial insititution in Norway. Experienced management consultant from Core Group and KPMG. Visit his personal blog here: http://hernaes.com

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