Coreless banking? Building a composable bank in the cloud

What does it take to move from a monolithic core towards a composable banking architecture – combining specialist platforms with bank-owned integration, data, controls and customer journeys? 

Where should a bank adopt a vendor’s native model to gain speed? Where must it retain ownership to protect differentiation, resilience and regulatory accountability? And how do you create a foundation that scales across markets while accommodating local identity schemes, credit models and payment rails?

Ikano Bank shares practical lessons from an in-flight transformation: modernising the bank while continuing to serve customers every day. Aligning architecture and operating model while balancing speed, control and long-term optionality.

Drawing also on experience from building banking capabilities at scale at Klarna, this session explores the decisions, trade-offs and organisational changes needed.

Föredraget hålls på engelska 

Programpunkten presenteras tillsammans med Omegapoint. 

Angelos Kapsimanis Nils Ågren
torsdag 1 oktober 2026, 09:40 - 10:00