Arctic15, June 5-6, Helsinki

The year 2019 is all about ecosystems, collaborations between traditional players and Fintechs, and business model changes. The fintech industry is rapidly rubbing off on incumbent financial services providers and revamping the future of financial services.

We’ve already seen considerable scaling in older corners of the financial services ecosystem, ranging from neobanks and alternative lenders to brilliant new business models within retail & corporate banking. Meanwhile, Fintechs’ staggering influence on the market is evidenced by record funding levels for the industry.

Collaboration between traditional players and fintech startups
Business model changes within retail & corporate banking


Fintech track speakers

Carolina Brochado

Investment Director, SoftBank Vision Fund

Carolina works on sourcing of global investments for Softbank Vision Fund and is based in London.

Carolina focuses on fintech, digital health & wellness and marketplaces. Prior to joining Softbank, Carolina was a Partner at Atomico, where she sourced and collaborated with portfolio companies for almost five years. Some of her investments included Lendinvest, Gympass, Hinge Health, Ontruck and Rekki. Previously Carolina has worked as Head of Ops to a now defunct gifting e-commerce start-up, as an investor at Chicago-based private equity firm Madison Dearborn Partners and within Consumer/Retail Investment Banking at Merrill Lynch in New York.

Carolina has a Bachelor of Science degree in Foreign Service from Georgetown University and an MBA from Columbia Business School. She is originally from Brazil.

Anix Lynch

Managing Partner, Expara VC Fund

Anix is Managing Partner at Expara, a leading Seed Venture Capital Firm in South East Asia backed by Stock Exchange of Thailand and Government. She invests in Fintech, Real Estate Marketplace, Enterprise SAAS, Digital Health, Internet of Things and Mobile startups. She has over 20 years of experience with track record over $2B in Private Equity (BlackRock), Family Office (CP Group Family) and Venture Capital across Asia. She leads the firm’s efforts in launching and managing Thailand’s first governmental early stage VC Fund.

As a brainchild of True Digital Park, South East Asia’s largest science park, she is recognized as one of Thailand’s top ecosystem builders and now a board member, advisor, mentor to numerous startups. She is a frequent panelist, judge and speaker on entrepreneurship and VC-related topics. Anix serves as a guest lecturer in Entrepreneurship in the MBA program at UNC, Sasin and Chicago Booth MBA and was named one of Thailand’s Top Female VCs in 2018. She is fluent in Japanese and Thai.

Susan Standiford

CTO, Ikea

Experienced Chief Technology Officer, Chief Operating Officer, Executive and Non-Executive Director with a demonstrated history of working in the internet industry. Strong business development and professional skills in Technology & Engineering Strategy and operation, Product Management, Business Operations and Strategy.

Monika Liikamaa

Co-Founder and Chairman, Board Enfuce Financial Services

Monika Liikamaa is the Co-Founder and Chairman of the Board at Enfuce Financial Services, the world’s first level 1 PCI DSS compliant cloud-based service provider approved by the Finnish FSA.
Monika’s visionary thinking, and experience of the fast-paced payment industry has enabled Enfuce to integrate solutions for their customers in record breaking time. Building sustainable payment solutions is a core value for the company, and with Monika’s wide knowledgebase of the industry nothing is impossible. Being future focused and collaborating with other industry experts is in Monika’s mind the recipe for success. A business is nothing without a great team of people, and that is why Monika has gathered industry experts around her both as co-founders and as employees for Enfuce. Enfuce Financial Services is now one of the fastest growing Fintech companies in Finland and Northern Europe.

Lasse Vuola

CEO, Fundu

Lasse Vuola is CEO and a co-founder of Fundu. Prior to his career as an entrepreneur, he worked as an attorney in prestige business law firms. Vuola has publications within alternative finance, and he is a board member of

Pekka Viilto

Co-founder, Rundit

Pekka is a super well-connected serial entrepreneur of 20 years. He is a Co-Founder of Rundit - Founder friendly investor reporting tool. Rundit is helping the unlisted companies to do better investor reporting and communication. Their mission is to help the companies ease their reporting load and to build a better relationship with their investors.
Pekka speaks a lot in the events where he shares his experiences in building investor relations, mostly focusing on the bad experiences. What he has learned and how these learnings can be turned to great experiences, so that you wouldn’t do the same mistakes. It serves as a solid foundation for a successful, growing company. Pekka says: “ If I would have appreciated more my previous investors, I would be a millionaire”.

Jeff Pulver

Executive Vice Chairman, Skrumble

Throughout his highly successful international career, Jeff Pulver contributed to helping to launch the VoIP industry in 1995 and helped grow it to what has now become a two trillion dollar global industry in 2019. As an Internet Pioneer known for his work in VoIP, Jeff literally helped change the way the world communicates. Jeff launched the first phone network on the Internet known as Free World Dialup in 1995; launched the VoIP Industry Trade Show VON in 1997; founded the company which is now known as Vonage in 1998 and worked with policy makers in Washington, D.C. which resulted in the landmark order issued by the FCC in 2004 known as “The Pulver Order.”

His work in Washington on getting “The Pulver Order” passed is the reason services like: FaceTime, Telegram and WhatsApp are free both in the US and in over 100 countries around the world. Jeff has influenced the creation of numerous startups and has invested in over 400 startups. Currently exploring the intersection of: Blockchain and Finance. As Co-Founder of The Local Group, Jeff is a passionate advocate of Programmable Securities and Digital Assets. Strategic adviser to Blockchain projects.

Details. Jeff Pulver can be described as: Internet Pioneer, VoIP; Entrepreneur, Investor, Mentor, Strategist, Astrophotographer, Futurist, Life / Business Coach. Helped shape the worldwide market acceptance of VoIP; Founder / co-founder of numerous startups including: Free World Dialup,, VON, Vivox and Vonage. Veteran of the Tradeshow industry; producer, host, curator of events. Jeff is also involved in public policy advocacy and is the founder of both the VON Coalition and the Blockchain Token Association

Known as a globally renowned Internet thought leader. In 1995 defined ``VON`` to stand for Voice/Video on the Net. From 1997 to 2008 he hosted/produced the VON Conferences and drove the growth of the global VoIP Industry.

Mr. Pulver is committed to the future of the Internet and is featured in the media as an expert in his field.

— The Pulver Order —

On February 12, 2004, Mr. Pulver's petition for clarification declaring Free World Dialup as an unregulated information service was granted by the Federal Communications Commission (FCC). This landmark decision was the first decision it made on IP communications. Now referred to as ``the Pulver Order``, the ruling provides important clarification that computer-to-computer VoIP service is not a telecommunications service. By doing this, the FCC delivered a strong signal to consumers and capital markets that the FCC is not interested in subjecting end-to-end IP Communications services to traditional voice telecommunications regulation under the Communications Act.

Harri Lauslahti

Founding Partner, Finnish Fintech Ecosystem

Board Professional. Inspirational and innovative growth and business transformation leader focusing on high customer experience by empowering employees. High performing professional with knowledge of the financial sector, ICT, retail and health services & BPO processes with over 30 years of experience. Strong track record of developing and innovating new operations, growth management and change management.

Steve Kirsch

Co-founder and Chairman & CEO,

Steve Kirsch is the CEO of Token and is an established entrepreneur and Silicon Valley heavyweight. He has a legacy as an inventor of ground-breaking technologies, including the optical mouse and the pioneering internet search engine, Infoseek. In 2000, he received the Visionary Award from the Software Development Forum of Silicon Valley given to pioneers leading the way in high technology. As the founder of 7 high tech companies, two with billion-dollar market caps, Steve is now dedicating his talents, energy and expertise to state-of-the-art payment infrastructure. In 2015, he launched Token; an open banking platform that allows a global ecosystem of banks and their customers to move money and information securely, without friction and instantly worldwide. Steve has a BS/MS in Electrical Engineering and Computer Science from the Massachusetts Institute of Technology, where the main auditorium in the EECS building is named in his honour. He is a regular speaker at leading industry events around the world.

Maxine Rior

Investment associate, Kinnevik

Maxine is a venture investor at Kinnevik. Kinnevik is a Swedish, 80-year old investment company with an entrepreneurial spirit and a DNA of building businesses. The company has a large public and private portfolio, which include Tele2, Zalando, Budbee and Mathem among others. At Kinnevik, Maxine works out of Stockholm with a focus on Nordic venture investments, where they invest in digital-native consumer facing businesses from a series A and upwards. She joined Kinnevik with the purpose to build digital businesses that provide more and better choice to the consumers after starting off her career in investment banking, working with M&A at both Danske Bank and Carnegie in Stockholm.

Marc Wesselink

Founder, VentureRock

Marc is a serial entrepreneur who started 12 companies between 1994 and 2008 and invested in over 150 between 2004 and 2018. His purpose in life is to help as many entrepreneurs become successful founders of companies which can create an impact. He is active in Europe & Africa.

As one of the founding partners of Startupbootcamp, he was part of the global roll out and recruited over 160 companies for the Amsterdam & Cape Town programs and have helped them raised over 150 MIO EUR funding. He was responsible of managing the portfolio of Startupbootcamp with a value of over 500 MIO EUR.

Since October 2018 he started his next challenge since the investment landscape in Europe & Africa is still in need of one: How to improve investment in Pre-Seed, Seed & Early Stage companies. He has created an entire digital way of investing in early stage companies at large scale and de-risk it at the same time. The platform will be capable in investing > 150 companies a year by using automated processes and follow on investment based on real time data. The fund will also offer execution power with a network of experienced professionals who will help single founders, founder teams & corporates to start & scale a company.

Alan Greco

Associate, Anthemis

Alan is an Associate at Anthemis, a leading early-stage investor in Fintech. At Anthemis, Alan works out of London and focuses on investments in the Financial Wellness space. Prior to joining Anthemis, Alan worked for over two years at Allianz X, the digital investment unit of the Allianz Group, where he specialised in the Fintech, Insurtech and Mobility sectors.
Born and raised in France, Alan has a double master’s degree in corporate finance and computer sciences from Audencia Business School and the Ecole des Mines.

Curator of the Track

Kirsi Larkiala

Finnish Fintech Ecosystem Ltd

CEO & Founding Partner Finnish Fintech Ecosystem Ltd ( ), Fintech influencer, Fintech Entrepreneur, Long-term Corporate& Investment Banker.

Kirsi Larkiala is a dynamic and highly respected wholesale & transaction banking and Fintech senior executive with market-leading results in increasingly more complex leadership and client advisory positions. Kirsi has over 30 years of experience in Corporate, Institutions & Retail & Transaction, Liquidity & Risk Management banking. Kirsi is known as a thought leader in digitalization, disruption, innovation & change management as well as client advisory in the financial industry. Long-term professional relationships with leading corporate and institutional clients in the Nordics are important part of Kirsi´s network. Last 5 years Kirsi has been focusing also on Fintech companies and today as a founder of Finnish Fintech Ecosystem Ltd for creating collaboration, tangible business results and innovation between traditional players and Fintech companies.

Arctic15 Fintech track speakers

Track Program

Thursday, June 6th 2019

Track Moderator:
Kirsi Larkiala ― Board Executive, Member of the Board, Finnish Fintech Ecosystem
Harri Lauslahti ― Founding Partner, Finnish Fintech Ecosystem


Keynote Fintech Investments – Lack of Secondary Market
Marc Wesselink ― Founder, VentureRock


Fireside Chat
Marc Wesselink ― Founder, VentureRock
Susan Standiford ― Angel Investor & CTO, Ikea
Jeff Keni Pulver ― Executive Vice Chairman, Skrumble
Alan Greco ― Associate, Anthemis


Open Banking
Kirsi Larkiala ― Board Executive, Member of the Board, Finnish Fintech Ecosystem
Harri Lauslahti ― Founding Partner, Finnish Fintech Ecosystem


Founder showcases
Monika Liikamaa ― Cofounder, Chair, Enfuce financial services
Steve Kirsch ― Co-Founder, chairman and CEO,


Panel: Open Banking
Kirsi Larkiala ― Board Executive , Member of the Board, Finnish Fintech Ecosystem
Monika Liikamaa ― Cofounder, Chair, Enfuce financial services
Steve Kirsch ― Co-Founder, Chairman and CEO,
Anix Lynch ― Managing Partner, Expara VC Fund


Corporate Banking & Financing
Kirsi Larkiala ― Board Executive , Member of the Board, Finnish Fintech Ecosystem
Harri Lauslahti ―Founding Partner, Finnish Fintech Ecosystem


Founder Showcases
Pekka Viilto ― Co-Founder, Rundit
Lasse Vuola ― CEO, Fundu


Corporate Banking & Financing Panel
Harri Lauslahti ― Founding Partner, Finnish Fintech Ecosystem
Maxine Rior ― Investment associate, Kinnevik
Pekka Viilto ― Co-Founder, Rundit
Lasse Vuola ― CEO, Fundu


Closing Words

Arctic15, Helsinki 5-6 of June

In 2019 the most effective networking startup conference in the Nordics and Baltics will raise the bar again.


Network and close deals with investors and corporates

Ticket for 2 days
Pre-event matchmaking tool
Deal Room during the event
Food and beverage
Full program and workshops



Meet startups and find ways to make your company more agile

Ticket for 2 days
Pre-event matchmaking tool
Deal Room during the event
Food and beverage
Full program and workshops



Discover and meet startups and syndicate with other investors

Ticket for 2 days
Pre-event matchmaking tool
Deal Room during the event
Food and beverage
Full program and workshops
Invitation to Investor VIP Reception


Startup Demo Stand Package

Showcase your startup to investors and clients. Find new talent

Demo Stand for 1 day (2x2m)
2 Startup Tickets for 2 Days
Pre-event matchmaking tool
Deal Room during the event
Food and beverage
Full program and workshops


We believe that events are at the heart of business and entrepreneurship!

Arctic15 is the most effective matchmaking startup event in Northern Europe. The focus is on making deals and quality networking. The 2-day event brings together a focused international crowd of startups, investors, corporates, media and influencers.

15 Tracks are focused on various industries, technologies and topics ranging from Digital Health and AI to Social Impact and Scaling. Industry players can use the time efficiently and gather under one roof. The core of it all is one-on-one meetings in Deal Room.

The event is organized by ArcticStartup, a startup media covering Nordics and Baltics since 2007.