Christoffer Hernæs is Chief Digital Officer at Sbanken, Norways leading challenger bank, delivering a complete range of banking services through digital-only. Christoffer has a proven track record in digital business development and transformation from both the banking industry as well as extensive cross-sector experience from management consulting. He has been awarded one of the top young talents in leadership in Norway and is considered amongst the foremost authorities on digital banking and fintech in the Nordics. He shares his thoughts on his blog, https://hernaes.com