Open Banking APIs Transform Fintech | Christie Kristensen Artwork

Curiosity Code Podcast

Discover the fintech podcast "Curiosity Code", featuring exclusive interviews on fintech innovation and financial technology. Hosted by Alex, founder of the digital agency Productera, with a background in B2B and SaaS companies, the podcast brings together founders, CEOs, visionaries, and fintech leaders driving financial innovation, AI, open banking, and digital transformation.Each episode offers success stories, challenges, and groundbreaking ideas about the future of blockchain, AI agents, digital payments, wealth management, and other related financial technologies.

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Curiosity Code Podcast

Open Banking APIs Transform Fintech | Christie Kristensen

June 30, 2026 • Alex Khomyakov • Season 4 • Episode 3

0:00 | 32:01

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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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