In her keynote, Riikka Laine-Tolonen, CEO of S-Bank, will share how the Finnish bank – owned by S Group, the retail market leader in Finland – is charting its rise through a bold, customer-centric playbook. S-Bank's strategy centers on purposeful expansion, data-driven customer insight and digital-first excellence — leveraging the acquisition of Handelsbanken’s Finnish retail operations, combining the strengths of both cultures, to boost expertise and diversify offerings, all while aiming to become Finland’s fourth-largest household bank and serve one million active customers by 2027. By combining seamless mobile-first service with free daily banking, easy access to investing, and real-world coop benefits, Laine-Tolonen demonstrates how clarity in strategic choices fuels both growth and meaningful performance.