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Daniel Kjellén is co-founder and CEO of Tink, a Swedish fintech company with the goal of helping people understand their finances, empowering them to make smarter decisions and ultimately bringing financial happiness. Founded in 2012, Tink has been trailblazing in the spirit of PSD2 by reverse engineering banks APIs long before the PSD2 regulation. Launched in 2013, the Tink consumer application has gained over 500 000 users in Sweden, making open banking reality.