Garage48 Baltic Open Banking

When 16-18 February, 2018

Where Tallinn, Estonia

  • Overview
  • Agenda
  • Garage48 has partnered up with SEB to investigate open banking - new kid on the block, the subject that has made banking interesting to many and will surely gather much more attention in the near future.

    Garage48 Baltic Open Banking hackathon will take place in the SEB Innovation Center in Tallinn on the 16th to 18th of February 2018  and is meant for corporates and fintech enthusiasts from Estonia, Latvia and beyond.

    The main goal of the Garage48 Baltic Open Banking hackathon is to create next generation financial services. Best teams will get a chance to develop their ideas and prototypes further into real solutions in cooperation with SEB.

    Open API could be named as the major turning point in banking after internet- and mobile banking. Banks will start to provide API’s to connect directly to your account, credit card or any other service. This makes it possible to build new solutions that have not been possible until now. Teach Siri to tell you your balance, aggregate data across several banks, automate invoice processing, build a chatbot for banking or connect data from several disciplines in order to create concepts newer seen in the world before.

    Garage48 together with SEB has the reason to believe that open banking will be the new standard and that the real potential of it has yet to be discovered. We are therefore inviting all the techies, creatives, marketers, data enthusiasts, designers and geeks with a vision to come together and challenge fintech as we know it today and remake banking for the digital age!

    We encourage you to come to the event with your own idea but take also a look to the challenges SEB has provide

    • As a user, I want to ask Siri about the state of my finances so that I do not need to stop driving.
    • As a small company manager, I want to automate my tax declarations so that I do not need to spend time on it.
    • As a service provider, I want to send electronic invoice directly to customers internet bank and mobile app so that it is easy to pay by the customer
    • As a service provider, I want I want to deliver e-reciepts to my customers electronically so that they can store and process them easily
    • As a user, I want a solution to keep track of my monthly invoices, that are sitting in my mailbox so that I do not need to remember have I paid the invoice or not
    • As a user, I want easily pay my invoices from e-mails I've received them so that I don't need to copypaste data from PDF invoices (and track payments)
    • As a user, I want to analyse my expenses across different banks so that I do not need to log in to several different banks.
    • As a user, I want to use my verified customer data to prove my identy across different service providers so that I do not need to type in my personal data every time, when I open new account or service somewhere.
    • As a parent, I want to have simple and fun app for my kids so that they can manage their pocket money safely and do not need cash
    • As a car seller, I want to provide instant quote for leasing to my customers so that I can offer right car and close deal quikly

    SEB has created a Developer Portal with a set of example API-s for co-creating new services to clients in Baltics.

    SEB is also open to create new API-s depending on your proposed business models. Therefore please join the event on FB and post your thoughts on the wall!

    Register to the event here

    Join the event on Facebook

    Register to the pre-events in Tallinn and Rig

    The pre-event is meant for the participants of Garage48 hackathon to get to know each other, mix & mingle, share their ideas and get a better understanding of what will follow in the hackathon weekend.

    Have questions? Contact us at
    Follow Garage48 on Twitter HERE.

    Friday, February 16th 
    • 17:30 - Check-in, networking, coffee, snacks
    • 18:15 - Opening remarks
    • 18:45 - Presentation of ideas
    • 19:45 - Coffee Break
    • 20:00 - Presentation of ideas continues
    • 21:00 - Team formation
    • 22:00 - Team work begins!

    Saturday,February 17th
    • 09:00 - Coffee & light breakfast.  Development continues
    • 10:00 - Checkpoint #1
    • 11:00 - Mentors go around
    • 13:00 - Lunch
    • 13:45 - Product development
    • 16:00 - Inspiration Hour
    • 18:00 - Checkpoint #2. Development continues
    • 19:00 - Dinner

    Sunday, February 18th
    • 09:00 - Coffee & light breakfast. Development continues
    • 10:00 - Checkpoint #3
    • 11:00 - Pitch drill session #1
    • 13:00 - Lunch
    • 14:00 - Pitch drill session #2
    • 17:00 - Coffee break with light meal/snacks
    • 17:30 - Final event & LIVE stream
    • 20:00 - Winners & networking



    The Mentors 

    Cesar Zeppini
    Design Lead at Veriff
    Siim Lepisk
    Innovation Manager in Baltic Division @ SEB
    Ragnar Toomla
    Head of Digital Strategy in Baltic Division at SEB
    Gunnar Läll
    Head of IT Development Division at SEB Estonia
    Andra Altoa
    Head of Strategy and Customer Insights in Baltic Division @ at SEB
    Endrik Eller
    Co-Founder at
    Jaanus Sakkis
    Creative Director and Founder at Feks Design
    Mats Taraldsson
    Mats Taraldsson, Head of Digital Business Development and Fintech Engagement Nordic & Baltic at MasterCard
    Aleksei Bljahhin
    Development Manager at SEB Baltic IT
    Asse Sauga
    Author and Head at Estonian Cryptocurrency Association  
    Rain Rannu
    Managing Partner at Superangel, Founder of Fortumo
    Jordan Valdma
    Co-founder at Producement
    Sander Aasna
    Head of E-Invoicing Business at Omniva
    Pramod Ravikant
    Android Developer at Mooncascade
    Eerika Vaikmäe-Koit
    Head of Baltic Business Development at SEB
    Inga Ruduša
    Head of Baltic Products and Channels at SEB
    Karlis Karolis
    Innovation Manager at SEB
    Paulius Kriščiūnas
    Head of Corporate E-channels development in the Baltics at SEB
    Mart Maasik
    Innovation LAB Director at SEB
    Anton Prokopov
    Software Engineer at Mooncascade


    Natalie Mets
    Project Ninja at Garage48