Karin Josefsson is the COO of Tink. Founded in 2012, Tink enables banks to become data-driven and capture the opportunities of Open Banking through easy-to-use APIs. Its products include Account Aggregation, Payment Initiation, Categorisation and Personal Finance Management, that are offered as a managed service. Tink’s technology can be used to develop standalone services or to be integrated into existing banking applications. Its current partners include ABN AMRO, BNP Paribas Fortis, Nordea, Klarna and SEB.