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Kristian Luoma

OP financial group
Head of OP lab
Kristian Luoma runs innovation operations at OP - Finland’s biggest Financial Group. Kristian has created services for millions of customers, including the award-winning Pivo Mobile Wallet. He is an expert in lean service creation and a public speaker about startup innovation and impact of technology to businesses. Kristian’s background lies in startup world and Finnish Nokia, which gives him a different viewpoint and expertise to financial disruption, as well as digitalization.​