FIELD NOTES.
Honest takes on disruption, digital banking, AI, leadership, and what actually happens when you tear apart your own business model. Originally published on LinkedIn — collected here for the record.
- LinkedIn · 09 Jun 2026
Apple is officially killing incumbent banks - The Death of the "Utility Bank Only"
Apple's native AI-driven bill splitting via Visual Intelligence is a direct attack on incumbent banks — eliminating friction and pulling consumers away from their bank apps into the OS itself.
Read on LinkedIn - LinkedIn · 07 Jun 2026
Finland's First Live Agentic AI Payment Transaction – Nordea x Mastercard
Nordea and Mastercard have completed Finland's first-ever live, agentic AI payment transaction using Mastercard Agent Pay. An AI agent autonomously handled both the purchase and the payment — a massive milestone for the future of commerce. #agenticAI #payments #fintech
Read on LinkedIn - LinkedIn · 05 Jun 2026
Agentic AI is quietly rewriting how banks compete – and most UX teams are still designing for screens
Agentic AI is no longer a thought experiment. It's quickly becoming the new operating system for commerce – and for digital banking in the Nordics and Baltics. Here are three angles that really resonate with me: 1) From tools to agents 2) Identity and trust for AI agents 3) Competing on machine-readable value. Because your next "customer" may not be a human tapping a button – it might be their personal AI negotiating on their behalf.
Read on LinkedIn - LinkedIn · 03 Jun 2026
Your bank's AI strategy is a chatbot that says "let me transfer you to an agent." That's not a strategy. That's a liability.
Everyone is talking about AI in banking. But most banks are still using it to automate the past - not design the future. The banks winning this decade won't be the ones who deployed AI fastest. They'll be the ones who redesigned the customer relationship around it. The question isn't "how do we add AI to our product?" It's "what does banking look like when AI is the default interface?"
Read on LinkedIn - LinkedIn · 02 Jun 2026
I am quitting being nice when UX is not appreciated
I have made a significant decision: I am quitting being nice when UX is not appreciated. UX isn't a nice-to-have. It's not "just design." It's the difference between products people love and products people abandon. I am not quitting UX. I am quitting being nice about it.
Read on LinkedIn