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Timo has about 20 years or experience about distributed data management architectures and innovation management. Currently Timo works as a solution architect concentrating on distributed ledger solutions for identity and transaction management applications in the architecture team of the OP Group. The group is a cooperative that is the largest provider of financial services in Finland and it has multiple business units including a bank, an insurance company, a wealth management company and a healthcare services company. The group is investing heavily in digitalization to produce customer-centric processes that meet the various everyday needs of the broad corporate and retail customer base of the group.