Olli Kähkönen, MSc, is Senior Payments Infrastructure Expert for Nordea Bank. A banker for the past 35 years, his career covers major sectors in financial institutions at home and abroad. Assignments include periods of establishing banks in London and Stockholm. Externally, Olli has been active in the SWIFT board, ISO 20022 as co-representative for Finland, and currently serves on the EBA Clearing board. He is co-creator of the ISO 20022, 11649, Structured Creditor Reference to Remittance Information standard.