Latest opinions that Kim Engman has shared on Finextra

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Kim Engman

Senior Director

Tietoevry Banking

Member since

05 Mar 2018

Location

The Nordics

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Kim's opinions

Vikings don't use cash

The Nordic countries and past vikings, are virtually cashless societies in 2023. There's no need to bring cash to come visit. The Nordics (i.e., Denmark, Norway, Sweden, the Faroe Islands, Iceland and Finland) aside for being the happiest group of countries, have intensified their journey towards digital payments. Status and how they got here Even...

30 December 2022 /payments /inclusion The future of Payments in Europe

Bitcoin is bad - blockchain is good

Why not all cryptocurrencies are alike, and why you should care and (re)act Introduction My original vantage point is being an expert within banking- and retail payments infrastructure. Being highly curious about all matters digital, especially within my profession, I’ve added distributed ledger technology, blockchain, tokenization, cryptocurrenc...

15 May 2022 /payments /crypto Cryptocurrency Insights

So, you think Bitcoin is money?

Why cryptocurrencies are not currencies or the world’s new money Introduction My original vantage point is being an expert within banking- and retail payments infrastructure. Being highly curious on all things digital, especially within my industry, I’ve added distributed ledger technology, blockchain, tokenization, cryptocurrencies, as well as ce...

15 May 2022 /payments /crypto Cryptocurrency Insights

A seismic shift is brewing within financial services infrastructure

Get ready for users taking back control of their data on the heels of Distributed Ledger Technology and the emergence of web3 services What is web3? Web1 refers to today’s global, interoperable network, built on standards and increasingly with services and platforms we all connect and engage with (web2). With Distributed Ledger Technology (DLT), an...

05 January 2022 /payments /crypto Blockchain in Banking and Financial Services

The implications of Central Bank Digital Currencies for everyday users and banks

As an abundance of private and alternative forms of money are moving into the currency space, central and commercial banks are being forced to reconsider their position. In this, the second of a two-part series, Kim Engman looks at the progress of Central Bank Digital Currencies (CBDCs) including the different designs for CBDCs and how they might ...

26 August 2021 /payments /crypto Cryptocurrency Insights

Why central banks are pushing digital currencies

In the first of a two-part series, Kim Engman explores why “suddenly” there is a new frontier in payments for central banks, called Central Bank Digital Currencies – or CBDCs. Money, as we know it, is in transition. Banknotes and coins are no longer accepted by many merchants; digital money crosses platforms and newly created private currencies hav...

26 August 2021 /payments /crypto Cryptocurrency Insights