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Open banking APIs revolutionized how banks and fintechs collaborate. Christie H. Kristensen from Danske Bank shares insider strategies on API infrastructure, real-time settlement, and the data governance decisions that make or break fintech startups.

Discover why smaller fintechs must build for real-time settlement, when to build vs. buy third-party solutions, and how APIs transformed consumer behavior in banking.

⏱️ KEY TOPICS & TIMESTAMPS
0:00 Introduction
5:45 When banks realized they could become consumers of APIs, fintech movement thrived
10:46 Smaller fintechs have to build infrastructure supporting real-time settlement
14:09 Why infrastructure and data governance are crucial for fintech startups
17:34 Build vs. buy: One critical question when starting a fintech startup
21:42 Change management sits at the essence of digital transformation today
23:56 Examples of how APIs have fundamentally changed consumer behavior
29:45 Will real-time settlement become table stakes like mobile apps in five years

👤 ABOUT THE GUEST
Christie H. Kristensen serves as Advisory Board Member at Nordic Fintech Week & NOLO collective, and Partnership Manager for Open Banking Premium & ERP Integration at Danske Bank. She brings deep expertise in API strategy, banking infrastructure, and fintech ecosystem development.
Connect with Christie on LinkedIn: https://www.linkedin.com/in/chkristensen/

This episode of Curiosity Code explores open banking transformation, API-first infrastructure strategies, and real-time payment systems reshaping fintech. Perfect for fintech founders evaluating build vs. buy decisions, banking executives implementing API strategies, and investors tracking payments innovation.

#OpenBanking #Fintech #APIs #RealtimePayments #BankingInnovation

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