Josje Fiolet is an innovation consultant at INNOPAY, leading the Digital Customer Onboarding practice. Josje worked for a diverse range of financial institutions, and helps them from shaping their onboarding strategy to implementing the new process. The approach is always holistic, taking into consideration rules & regulations, changing consumer behavior and organisational capabilities. Josje is passionate about bridging the gap between user experience on the one hand, and risk, security & compliance on the other. In practice these are often seen as opposites while they are complementary. Even better, with proper risk and security features, Josje believes the process for the customer can be simple and conversion higher. During her presentation she will exemplify this with real uses cases.