Christoffer Hernæs is Vice President at SpareBank 1 Group, Norway’s second largest financial institution. He is an experienced strategist with a background in management consulting and financial services. He is a leading expert on the the digital economy and the future of financial services and a renowned public speaker the subject. Passionate about innovation, digital disruption and fintech. In addition to leading the innovation efforts in SpareBank 1, Christoffer speaks and writes about the subject in several Norwegian newspapers, TechCrunch and his own personal blog