Malthe Falck

Questioner
DISC Type : c

Bestyrelsesmedlem at Subaio

Copenhagen, Capital Region of Denmark, Denmark

Overview

Malthe Falck is the Head of Group Digital at Nordea, driving the banks digital strategy with a focus on making banking easy and intuitive. A graduate of Copenhagen Business School, he is described as intelligent and skillful, leading initiatives where Nordeas digital channels have won multiple awards. He believes in using technology to enhance personal banking relationships.

He was a keynote speaker at Nordic Fintech Week, discussing how to leverage AI while maintaining a primary focus on building trusted customer relationships.

Personality Overview

Value Seeker

Not Easily Convinced

Cautious & Analytical

It is quite likely of them to ask for pricing or other concessions.  While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters. They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.

Topics They Care About

AI in Banking
He advocates for using AI to strengthen customer interactions and enable "conversational banking, " emphasizing a "relationships before robots" approach in his keynote speeches.
Digital Customer Experience
His stated goal is to make banking easy and intuitive, and under his leadership, Nordea's digital channels have been recognized as the best in the Nordics.
Fintech Collaboration
Actively supports the Nordic fintech ecosystem, highlighting the importance of collaboration with innovators and sponsoring the Nordic Fintech Awards.

Media Appearances

Relationships before robots: How Nordea is leveraging AI in digital banking. Featured in Nordea.com

See Now

Work History

6-2025
Bestyrelsesmedlem at Subaio
1-2025
Head of Group Digital at Nordea
3-2022 - 1-2025
Data, Digital Sales & Engagement in Personal Banking at Nordea
12-2018 - 3-2022
Head of Personal Banking Office at Nordea
5-2017 - 11-2018
Head of management office Nordea Denmark and Personal Banking Denmark at Nordea

Education

2007 - 2010
M. Sc from Copenhagen Business School
2008 - 2008
Exchange semester from Texas A&M University

More Information

Social Presence :

Prographics :

Exp : N/A Location : Copenhagen, Capital Region of Denmark, Denmark Job Level : N/A Designation : Bestyrelsesmedlem at Subaio
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Insights For Selling To Malthe

During A Call Or A Meeting

DO's

  • Emphasize on objective proof of ROI, help them do a thorough evaluation
  • Keep some extra margin in hand as they will likely negotiate the pricing
  • If you have a lower priced product compared to the competition, call out the same

DONT's

  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Avoid phrases like ‘do not worry about’, ‘no one compares to’ etc.
  • Don’t overhype the product/pitch, keep it measured

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Malthe is

  • Ensuring that the product delivers ROI, cost-effective pricing and process compliance are very important for them.
  • Will you ever get a clear answer from Malthe

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Malthe move?

  • If they have the information that they need, they can move fast at making their decisions.
  • Can Malthe take some risk or not?

  • If they believe that they have analyzed the situation well, they can take a little risk.

You And Malthe

Personality Compatibility


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