In this episode, the conversation centres on embedded finance and digital transformation with Christie Kristensen, Partnership Manager at Danske Bank. Christie shares her experience working across fintech and banking, and how Danske is evolving to meet the needs of corporate clients by embedding financial services directly into enterprise systems such as ERPs and treasury platforms.

The discussion explores how Danske is moving beyond regulatory open banking APIs to offer premium APIs that support real-time, data-driven decision-making. These APIs are designed to automate traditionally manual workflows like financial reporting and cash management, reducing reliance on outdated file-based systems. Christie emphasises a strong co-creation model, where product development is informed directly by customer and partner feedback, ensuring relevance and tangible impact.

She also describes how Danske’s strategy, known as the 428 plan, aims to position the bank as a vital infrastructure player in the ecosystem—focusing on powering finance rather than owning the user interface. The integration of AI and real-time data is also touched upon, with a view towards future-proofing financial operations and enabling predictive insights for finance professionals.

With a culture that mirrors fintech agility, cross-functional collaboration between tech and business, and a firm commitment to customer-centric innovation, Danske Bank is setting a benchmark for how traditional institutions can reinvent themselves in the embedded finance era.