AI-agenter kan stå for en tredjedel av netthandelen innen 2030, agentisk bank er på vei inn i Norden, og tokenisering av verdipapirer og bankpenger er i gang. Dette var hovedtemaene på Finans Norges betalings- og digitaliseringskonferanse.
Finance Norway held its annual payments and digitalisation conference on 5–6 November. Kaupr was on site and live-blogged throughout the conference with individual articles after the key talks. Below you can read the main points from each article, and click through if you want to go deeper.
The Norwegian financial industry should have a strategy for meeting and using tokenisation, according to Norges Bank – just as the central bank itself should. Tokenisation and traditional technology may end up coexisting in the financial industry going forward.
Read the full story: Norges Bank-topp ber bankene ha en strategi for tokenisering
Norges Bank currently sees no need to introduce consumer-facing digital central bank money in Norway, but will be ready if it becomes necessary. A digital euro is not expected to change that assessment, since it is primarily intended for the eurozone. Nets is meanwhile piloting both offline payments and network connectivity as part of the EU's digital euro work.
Read the full story: Norges Bank: Vi er klare om digitale sentralbankpenger blir nødvendig
AI agents could account for roughly a third of global online shopping by 2030, according to a new Mastercard report. Teenagers are far more positive about shopping via agents than their parents, while banks must resolve questions of identity, consent and liability when an AI agent acts on someone's behalf — including through the new concept of «know your agent».
Read the full story: Mastercard: AI-agenter kan stå for hver tredje netthandel i 2030
The BankID app is being rebuilt into a digital ID wallet based on the principles of the EU's eIDAS 2.0 framework. 2.5 million Norwegians already use the ID card in the app, and Stø is now piloting data sharing and has launched a new activity-history feature.
Read the full story: BankID-appen blir en digital ID-lommebok – 2,5 millioner bruker den
50% of consumers already use AI as an advisor before shopping, and 67% would consider letting an AI pay on their behalf, a Nets report covering 11 European countries shows. In July, Nets, together with Google, Visa and Mastercard, carried out what it calls Europe's first AI-initiated card payment. According to Nets, the question isn't technological — it's about liability for the agent.
Read the full story: 67 prosent vil la AI betale for dem, viser Nets-rapport
From 2027, banks and others with strong customer authentication will have an EU obligation to support the digital EU wallet, according to Norway's Digitalisation Agency (Digdir). Digdir has submitted the legal basis to the ministry and is testing the solution in a pilot «sandbox» with Mastercard and Amadeus, among others. Norway is behind countries such as Germany and Denmark in the rollout.
Read the full story: Norske banker får plikt til EU-lommebok fra 2027
The Nordics are better positioned for AI-driven banking than anywhere else in the world, according to Vipps MobilePay — thanks to BankID, high AI usage, and the fact that most people already shop digitally. The company outlines five levels of agentic banking, from customers using AI to compare interest rates today, to a scenario where AI makes financial decisions entirely on its own.
Read the full story: Vipps: Norden best posisjonert for AI-bank i verden
Revolut has gone from 70,000 to over 550,000 customers in Norway since returning to the Norwegian market. A product ecosystem that extends well beyond traditional banking — including a recently launched stablecoin in Denmark and its own AI assistant — explains the company's large young customer base, according to Revolut. The company is also challenging Norwegian banks on whether they will fight to manage AI agents themselves.
Read the full story: Revolut vokser kraftig i Norge – 550.000 kunder
Ole Morten Sunde, who leads DNB's tokenisation work, believes collaboration between banks and regulators is essential to succeeding with the tokenisation of securities and bank money. He drew a historical parallel to 1985, when similar collaboration gave Norway BankAxept, BankID and Vipps, and pointed out that DNB is now testing tokenised bank deposits through the CBMT network.
Read the full story: DNB: Samarbeid mellom bank og myndigheter må til for å løse tokenisering
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