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  • Oliver Hofmann

    PR & Communications Lead


    Färögatan 33, 164 51 Kista
    +46 768 786 163
    https://www.northmill.com/
  • Quotes

    It was one of our employees in the customer service team, who herself has grown up with two deaf parents, who made us aware of how big this problem really is. After a few weeks of development, testing and evaluation, it is now time to make the service available to all our customers with speech or hearing impairment. The response from the people who have tested it so far has been fantastic.
    Simon Nilsson, Chief Commercial Officer
    We have the technical capacity, the will and resources internally, and can therefore control the whole experience for the customer. All the customer needs to do is to book an appointment through the chat and a link with an invitation to a video call is automatically sent out. Our employees skilled in sign language will help the customers.
    Simon Nilsson, Chief Commercial Officer
    We have seen an increased demand for different types of savings accounts, especially with the current uncertainty in the markets. Now we provide a safe and secure way for people to get predictability and grow their money. We also see that many customers seek a complement to their traditional banks’ offerings which we provide with our digital and mobile-friendly alternative that in addition offers competitive interest rates.
    Hikmet Ego, CEO at Northmill Bank
    We have a customer satisfaction rate of over 90 percent and a scalable technical infrastructure. It provides us with very good prerequisites to grow our bank offering and to continuously add products and features that help people in their everyday lives. We constantly update our products based on the feedback we receive from our customers, and we have several exciting product launches planned in the near future.
    Jacob Thordson, Product Owner Accounts at Northmill Bank
    We are building a bank for everyone and this is an investment in our employees and the customer experience, two things that are tightly intertwined. We can see a growing trend with many companies taking the path of solely investing in self-service solutions, but we know that many people still ask for the opportunity to connect via for example phone. Now we are creating a hybrid where we will have a very competitive self-service offer, but we will also be available in the way the customers prefer.
    Simon Nilsson, Chief Customer Officer at Northmill
    We are now able to gear up our efficiency, be proactive and take full-scale data-driven decisions. We are also able to gather all the insights in a single platform. It creates a very streamlined process for our employees and enables us to strengthen the connection between the feedback we receive from customers, and how we develop our products.
    Simon Nilsson, Chief Customer Officer at Northmill
    “It is inspiring and a confirmation that we continue to do the right long-term priorities. We have been able to scale up with profitability and grown across all functions of the organization. The recognition is also an acknowledgment of our strong company culture and amazing people that have been crucial in our strong growth journey. With our Swedish banking license, we continue to take important steps towards building a bank that improves everyone’s financial life and helps people save money.”
    Hikmet Ego, CEO at Northmill
    We are truly excited that Arash becomes a part of our fast-growing bank. He has an impressive profile and is used to working in a fast-paced and innovative environment. Arash has proven strategic and operational capacity to establish an efficient product organization based on a healthy balance between creativity, compliance and speed. Currently, we make several strategic investments in the organization and it is very encouraging that we continue to attract top talent that is eager to join our journey.
    Hikmet Ego, CEO at Northmill
    Northmill walks their own path and I truly believe in how they approach the market. They have a strong customer focus and a genuine desire to help people save money, which mirrors the fast-growing product portfolio. It is a very competitive sector, but Northmill has the opportunity to create a real connection to people with its products, and I feel excited to continue developing that capacity. I will also focus on intertwining the strong corporate culture with clear and effective structures for the day-to-day operations, to help employees grow and feel appreciated in their roles.
    Arash Eftekhari, Chief Product Officer at Northmill
    We are super excited to have Mattias onboard. His extensive experience and deep knowledge within marketing, sales, and overall branding strategy will become an important asset to our team in a time when we are growing our banking offer and further scale our business. We are building a bank centered around the customers’ needs which puts an extra level of responsibility on the organization to be curious and receptive. Mattias will play an important role in continuing to develop that culture.
    Hikmet Ego, CEO at Northmill
    I feel humble to what is ahead of me and very much looking forward to continuing to add to the momentum Northmill built up. There is a genuine desire to be an industry driver towards smarter banking products that help people save money. For me, marketing and communication are an integral part of the business and it feels exciting to be part of a new consumer bank that challenges a traditional industry by putting the customers first.
    Mattias Hallgrim, CMO at Northmill
    With our fast-growing banking offer, we prove that it is possible to combine a top-modern customer experience with comprehensive compliance and security requirements. We believe that banking products should proceed from the actual needs of the customer and be made available to everyone in a smart and user-friendly way. We aim at playing an important role in developing the banking products of tomorrow, that work for the consumers and make it easier for them to save money and handle their personal finances in a good way.
    Hikmet Ego, CEO at Northmill
    We have a scalable technology infrastructure that creates the pre-requisites for us to automate, tailor and integrate a vast majority of the complex processes. Our technical capacity also allows us to connect all Rebilla products into one powerful banking offering. For example, in the near future, the cashback generated from purchases made with the Rebilla Card can automatically be deposited into the user's savings account and immediately start generating interest.
    Marcin Ziolkowski, Product Owner Rebilla Reserve
    The Gasell-award is another proof that we continue to do the right things and that we are able to scale up and remain profitable at the same time. We have managed to put all the relevant pieces together and can see that our long-term investments in the organization, our modern technology infrastructure and product development show result. At the same time, we have strengthened our capacity in compliance, risk and analytics with several key recruitments.”
    Hikmet Ego, CEO at Northmill
    We really believe in developing less complicated, more flexible and better banking products that are helping people save money, not just those who can afford it. With the recent Swedish banking license, new exciting opportunities arise, making it possible for us to develop even stronger products that we know people are in need of. We will pursue the long-term strategy we have had since day one and continue to cherish our employees and our customers, then we know we can scale up even further in 2020.
    Hikmet Ego, CEO at Northmill
    Today many people are paying different and often completely unnecessary fees for their cards. We think banking services should be neither complicated or cost unnecessarily. Just like our previous Rebilla products*, we strive to create as simple and good products as possible and help our customers to save money. The Rebilla Card is another great example of that.
    Hikmet Ego, CEO at Northmill
    Our aim was to introduce the most competitive card on the market with a focus on giving back as much as possible to the users, and I think we pulled it off. We do not believe that it should cost anything to just have a card, and we do not necessarily expect the majority of the users to use the credit. However, the launch is a natural next step for us in the journey towards providing a full-scale banking offer with Rebilla.
    Hikmet Ego, CEO at Northmill
    We have invested a lot of time and energy in developing the Rebilla Card and we will continue to develop new features. Such as giving the user the possibility to set saving goals in the Rebilla app. Since we are not solely a credit card company, we can be more long-term and create a broader and more personalized experience with our growing Rebilla-offer.
    Babel Poli, Product Owner Rebilla
    We are really happy to welcome Kelly to Northmill. Her skills, extensive international network and hands-on approach will play an important role when we establish Northmill as a leading tech bank in Europe. Kelly has a mix of strategic and operational expertise and her profile is a perfect fit with our strong culture and clear vision. We are convinced she will have a leading role when we scale Rebilla and offer our products to European customers.
    Hikmet Ego, CEO at Northmill
    I am really excited to become a part of this driven team. Northmill has a long-term focus and a desire to change that inspires me. The team understands what it takes to make it in a competitive industry and is willing to do the work. With Rebilla, Northmill has the necessary tools to deliver on its ambitious roadmap. Northmill is already a highly profitable business, but the potential is huge and I am really excited about the opportunity to roll-out a new tech bank in Europe.
    Kelly Bueno Martinez, Head of New Markets at Northmill
    Georges is another proof that we are attracting the very best and we are very happy to have him on board. Georges’ deep knowledge in data- and credit analysis will enable us to continue to be proactive and position ourselves even closer to the customers’ needs. This becomes increasingly important as we are planning to broaden our product portfolio substantially in the near future, and at the same time, we put in an extra gear in the work to establish ourselves as an international tech bank.
    Hikmet Ego, CEO at Northmill
    I am really excited to become a part of one of Europe’s most promising and profitable companies in the fintech-sector. It is clear to me that Northmill is a tech company conducting banking services where innovation and product development are at the core. There is a genuine commitment to becoming a challenger to a traditional industry and in that journey, I look forward to playing an important role.
    Georges Mansourati, Chief Analytics and Credit Officer
    With Nordic Tech Day, we strive to gather companies and minds that are on a mission to build the future, and Northmill is a great example of that. A fintech company growing organically at an impressive rate while maintaining profitability since inception. The business is becoming a 21st-century tech-bank and has already reached a significant scale in the Nordics. With the recently awarded Swedish bank license, we see a lot of potential going forward.
    Carl Wessberg, Partner at GP Bullhound
    We are experts in using technology in order to create products that simplify the financial lives of the users. Throughout the years we’ve put together the necessary building blocks to assemble our tech-bank, and we have done it in one of the most regulated markets in the world.
    Hikmet Ego, CEO at Northmill
    We have a combination of a challenger culture and tech-focused product organization which has been the key for us in order to take our business to the next level. We have built autonomous, self-sustaining product and component teams that can change course quickly and continuously improve our products.
    Hikmet Ego, CEO at Northmill
    This is a natural part of Northmill’s continuous journey and another important step in our mission to simplify people’s financial lives through technology and innovation. We believe this enhances our opportunity to continue to develop and offer great products to customers all around Europe.
    Margareta Lindahl, Chairwoman of the Board at Northmill
    The banking license means a great responsibility and it is gratifying to see that Sweden and its authorities foster innovation. By being technology-driven and product-oriented we are excited to be able to build a new modern customer-centric bank. Northmill has grown organically and laid a solid foundation with our current credit and insurance offerings to our 200 000 users. The most recent product, Rebilla Reduce, aims to lower people's current interest rate on existing credits. By being able to operate as a bank, we have the tools to take the next step and drive true positive change for the users.
    Margareta Lindahl, Chairwoman of the Board at Northmill
    The two Rebilla product launches strengthen us in our belief, and prove, that our product-oriented and agile organization enables the strong innovative focus and makes it possible for us to continue to deliver on our ambitious targets.
    Hikmet Ego, CEO at Northmill
    We have made long-term investments in our advanced and in-house developed technology platform which means that we can develop very competitive and tailored products, and at the same time stand prepared and innovate the insurance products of the future.
    Hikmet Ego, CEO and co-founder at Northmill.
    We have seen that our insurance products are very much appreciated and we are happy to be able to continue to bring stability and safety to our Rebilla customers. We can all face obstacles and crises in life, and to be able to get tailored insurances creates a great sense of security in life.
    Simon Nilsson, Chief Customer Officer and Product Owner Insurance at Northmill.
    Similar to the finance sector, the insurance industry is a very traditional industry that needs to step up, adapt and move towards more personalized and tailored products. For us, the technology has always been in the center and we are convinced that we through new technology will be able to create even better products for the policyholder of the future.
    Simon Nilsson, Chief Customer Officer and Product Owner Insurance at Northmill.
    As we developed Rebilla Reward, we listened to our over 200.000 customers and removed all the complexity, solely focusing on making it as easy as possible for customers to save money. That's how we contribute with real customer value.
    Babel Poli, Product Owner, Rebilla.
    Rebilla Reward symbolizes our quest to always develop customer-centric products that, with the help of technology, simplify and improve people's financial life. We have been technology-driven and highly cost-effective company since the beginning of our journey. We have always put a strong emphasis on being able to quickly scale up and we are now experiencing the benefits of our long-term investments.
    Hikmet Ego, CEO and co-founder, Northmill.
    We have our own team of data scientists that constantly explores new opportunities in a highly innovative environment. We encourage them to experiment with new AI- and ML-driven technology in order to test, improve and automate our processes.
    Hikmet Ego, CEO and co-founder, Northmill.
    We are a company in a constant state of innovation and we develop products in an increasingly high pace. That means we have to grow in a responsible way. This is achieved by strengthening the organization with key competence contributing with know-how in the streamlining and development of control functions during the different stages of a growth company’s journey.
    Hikmet Ego, CEO, and Co-founder at Northmill
    Northmill is in a very exciting phase with great opportunities and I feel inspired to be a part of their journey. To a large extent, my role will be to make use of all the existing competence in the company and work with the internal structure. We will make risk management work an integral part of the business and as important as generating new business opportunities.
    Daniel Roxö, CRO at Northmill
    Daniel has a holistic approach, with great analytical capacity and strategic competence to identify opportunities and challenges across all functions in our company. We are sure that he will become a cornerstone of our onward journey,
    Hikmet Ego, CEO, and Co-founder at Northmill
    In the first quarter, we have increased our cost base and we keep investing in the organization which is in line with our long-term strategy of building a new challenger neo-bank with an international presence. The transformation and investments are a natural part of our journey towards being granted a banking license. During the quarter we have witnessed the birth of a rebellious disruptor and we are proud to say that the first product under the brand Rebilla is finally here, and it's here to save you money in the most simple and seamless way possible.
    Hikmet Ego, CEO at Northmill
    “It is a competitive and timely service that we roll out to our customer base of over 200 000 customers. We challenge the traditional players by being curious and data-driven, with a long term and scalable business model that is very cost effective.
    Hikmet Ego, CEO and Co-founder at Northmill
    We see that customers are coming from traditional players, competitors and others, basically from everywhere. During our short test-period, we have lowered the customer’s existing interest rate with 63 percent. That is, of course, a very competitive service that we are very proud of.
    Babel Poli, Product Owner Rebilla at Northmill
    Our vision to develop products and services that help people simplify their financial life is more relevant than ever. With Rebilla Reduce we take a giant leap realizing that vision.
    Hikmet Ego, CEO at Northmill
    Our average customer has probably never been inside a traditional bank office.
    Ninos Gawrieh, Security and Compliance Officer at Northmill.
    Rather than leading the existing development, PSD2 is fueling it. Therefore, I claim that we are already living in the age of PSDX by design. Nonetheless, it is turning up the heat on the traditional players.
    Ninos Gawrieh, Security and Compliance Officer at Northmill.
    This development is benefiting tech-driven actors and gives them a competitive edge thanks to their position in the absolute forefront of technology.
    Ninos Gawrieh, Security and Compliance Officer at Northmill.
    We are proud that Joakim is joining Northmill. We have always been in the driver’s seat when it comes to new technology and our powerful and automated platform is the heart of our organization. We are convinced that Joakim will continue to develop our IT-organization in order to deliver the best products to our customers.
    Hikmet Ego, CEO at Northmill
    Northmill migrated to the cloud already in 2013 and lack any legacy IT-systems, they have had an organic growth and have been profitable since day one. The company is in the middle of a very exciting journey and has the potential to become one of the most successful fintech-companies globally.
    Joakim Adolfson, CTO at Northmill
    2018 has been an eventful year and Northmill has taken giant leaps as a company. We continue to deliver strong results and finished the last quarter according to plan. The earnings growth is expected to continue through strong loan book growth, stable margins, cost control and good credit quality. We will continue to invest in key strategic areas to prepare for an ambitious expansion plan as well as our goal of becoming a licensed bank.
    says Hikmet Ego, CEO at Northmill
    Third quarter has been characterized by continued stable growth and the company has strengthened its market position. Growth has taken place in both revenues, earnings and team size. Already one third of our team consists of IT-related employees such as engineers, coders, QA’s, UI/UX-designers, data scientists and we are continuing to invest heavily in this area. Besides IT and analytics we also invest in compliance and risk management as part of our efforts towards becoming a licensed bank.
    Hikmet Ego, CEO
    While fintech companies are disrupting the banking industry they are also challenged by regulations themselves. We are happy and proud of being one of the first Fintech companies being approved as a registered payment firm according to the new, and PSD2 compliant, Swedish Act on Payment Services.
    Ninos Gawrieh, PSP project Manager and Security & Compliance Officer
    Receiving this award is a great honor and a testament to the passion and work ethic of every Northmillian. More than anything this is a team effort, and we could not have gotten this far without the hard work that all of our employees put in every day.
    Hikmet Ego, CEO
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