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TREMENDOUS CHANGE" - Susan Etlinger, Industry Analyst at Altimeter


Viña Albali Gran Reserva

10,48 € 13,84 €/l

Bring the Spanish heat to the dark fall evenings!

You can also find an excellent bag in box from the Albali wine family in Alko!

2 BUSINESS CLASS October 2017 – January 2018

October 2017 – January 2018 BUSINESS CLASS 3



6 Making Sense Of A Changing Business Landscape


CGI Explains The Cost Of Cyber Breaches – And What To Do About Them


Sustainability – The Keyword For Ncc


Cyber Is A Must In The Boardroom


Smart Living Through Smart Homes


Common Sense Security Tips From F-Secure


VTT Meets The Built Environment Needs Of The Future


Staying Safe With LAN & WAN


Transforming Development In Smart Cities


Modern Learning Is Redefined In Kotka


Smart Building Requires An Easy, User Friendly Standard


Verisure Improves Home Security With Human Service And Technology


Smartpost Is The Next Generation Last Mile Solution Of E-Commerce Business


Putting Humans In The IoT


Aviapolis Studios – The Upcoming Events Venue In The Nordic Region’s Most Interesting Metropolitan Area


Industry Leaders And Real Estate Professionals Come Together


It Is Not The Superior’s Task To Motivate


When Competence Is Paramount:International Competitiveness Through Competence Development


Rovaniemi Is By Nature The Arctic Design Capital


Nallikari: A Four-Star Holiday Village On The Shore Of The Bothnian Bay

IBM Watson IoT Only Limited By Imagination


Taikatahti (The Magic Beat) Teaches For Life, Not School



Retirement Is A Time For Influence

22 Building And Implementing An Urban Strategy With Archiland

IOT 23



The Future Of Finance Outlined At The MoneyFinTech Event


Deloitte Makes Sense Of A Complex World


Digital Workforce Creates The Perfect Worker

4 BUSINESS CLASS October 2017 – January 2018

50 Kaukointernational Is Finnish Companies’ Bridge To Kazakhstan 51

Kouvola’s Rrt Project Allows The Fastest Northern Europe-Asia Rail Freight Connection


Timo Kivi Sales Director of Fortum SmartLiving

“We want to improve people’s lives and contribute to a cleaner world by making apartment buildings smarter.”


"A cyber breach has a clear impact on company value.”


Urbanization Shapes The Property Investment Market


Creating A Transparent World


Are You Thinking About Hosting A Meeting, Seminar, Celebration, Or Occasion? Take A Look At Mikkeli

Mikko Leppilampi, chairman of the board of Aviapolis Studios Oy

56 Valoa Design Brings Light Into Darkness 57

Better Eye Health For Everyone


In Praise Of Vanity Projects By Alf Rehn


Glycol Smell Kept In Check With Effe® Treatment


”The size and facilities of Aviapolis Studios allows TV-networks and production companies to better utilize big television format phenomenas for commercial gain.”




TREMENDOUS CHANGE" - Susan Etlinger, Industry Analyst at Altimeter


On the Cover: Susan Etlinger, Industry Analyst at Altimeter


SUOMEKSI 60 Sääntöjen mukaan, urheiluasenteella

Kansalaisrahoituksen toimitusjohtaja Terhi Vapola

ART DIRECTOR Hanna Voutilainen CONTRIBUTORS Tim Bird, David J. Cord, Mia Heiskanen, Kati Keturi, Eila Lokka, Päivi Remes, Maija-Liisa Saksa, Anna Väre, Juho Kuva

61 Verkko-ostoksessa maksukokemus merkityksellinen 62

Teknostressi syö tuottavuutta


Esimerkillistä yrityskulttuuria

64 65

Tuusula Hub Tuolla lähetykseni menee!


Rohkelikot – tarinoikaa juuri minulle!


Madame Biofuel


Rahoitusdiplomaatti, joka kannattaa tuntea


Tiedon luotettavuus kiinnostaa bisnestäkin

MEDIA SALES Valtteri Rantalainen +358 40 561 7703 Editor Helsinki

68 ”Sijoittamalla suomalaiseen kasvuyhtiöön sijoittaja tekee myös yhteiskunnallisesti hyvää: uudet työpaikat eivät synny tyhjästä.”

PRINTED BY N-Paino Oy, Lahti, Finland 2017 PUBLISHER BIG Business Insight Group Oy Kalevankatu 31 00100 Helsinki Finland

October 2017 – January 2018 BUSINESS CLASS 5



A CHANGING BUSINESS LANDSCAPE From Big Data to Artificial Intelligence and from chatbots to digital ethics and branding, Altimeter’s Susan Etlinger is solving the tough puzzles facing today’s business leaders. TEXT TIM BIRD


usan Etlinger, Industry Analyst at Altimeter, is quick to give credit to the “smart, passionate and committed team” of which she is a member for her confidence in the way ahead for the company. “Whether it’s the future of branding, the business impact of Artificial Intelligence (AI) or how to lead through massive change, our analysts and consultants are working on some of the largest and most challenging problems that businesses have,” she says. As an industry analyst, Etlinger’s role is to conduct research into some of the major topics being tackled by contemporary business leaders, including artificial intelligence, big data, analytics and digital ethics. “I also work with clients to evaluate emerging technologies and incorporate them into their business strategies,” she explains. “I’ve written on topics such as AI, big data, data privacy and analytics.” Etlinger is part of a team of industry analysts at Altimeter, founded in 2008 by best-selling author and leadership expert Charlene Li. “We provide independent research and strategy consulting on disruptive technology trends,” says Etlinger. “Collectively, our analysts focus on Digital Transformation, Innovation, Artificial Intelligence, Big Data, Content Strategy, Social Business and other topics that are occupying the minds of global business leaders.” One of Etlinger’s own especially topical analyst reports, published as recently as June 2017, aims at “Understanding the Business Implications of Chatbots”, noting a Gartner prediction that virtual 6 BUSINESS CLASS October 2017 – January 2018

personal assistants such as Apple’s Siri and Amazon’s Alexa “will have changed the way users interact with devices and become universally accepted as part of everyday life” by 2019. The report offers advice to companies on how to deal with the increasing presence of “conversational interfaces” to communicate directly with customers and consumers. Altimeter analysts, including Charlene Li and Brian Solis, are noted authors, experts and public speakers, and collectively have well over one million followers on Facebook, Twitter and LinkedIn. But, says Etlinger, “While we look at the biggest changes in technology and business today, we also focus on making pragmatic recommendations that leaders of global business can actually implement.” A GLOBAL REACH

In 2015, Altimeter was acquired by Prophet, a management consulting firm based in San Francisco, California and led by Chairman and CEO Michael Dunn. Prophet offers services in three primary areas: Brand and Experience, Growth Acceleration, and Digital Transformation. Prophet is also the publisher of the annual Brand Relevance IndexTM ( relevantbrands). Prophet’s global reach extends throughout Atlanta, Chicago, New York, Richmond and San Francisco in the US, and further afield in Berlin, Hong Kong, London, Shanghai and Zurich. Like any organization that spans regions and cultures, Etlinger says, the company needs to be aware of and respectful to the cultures and business environments in which it operates.


Etlinger’s own reputation was decisively underlined in September 2014 at the TED@IBM event held by the TED (Technology, Entertainment and Design) Institute when she delivered a sensationally well-received talk entitled, “What do we do with all this big data?” As of October 2017, the talk had chalked up over 1.2 million views online, had been translated into 25 languages and continues to be an essential reference point for anyone interested in why “as we receive more and more data, we need to deepen our critical thinking skills”. Etlinger’s concern for how the development of these skills leaves something to be desired does not dampen her enthusiasm for the future of her work and Altimeter. “From a personal point of view, I’m excited to start work every day because I’m doing what I love to do,” she says, emphasizing again her esteem for her team. “This hasn’t always been the case in my career, but what makes Altimeter and Prophet special is that we’re focused on helping business leaders solve hard problems in a time of tremendous change. So all of that makes me feel very lucky and very optimistic.”

For more about Altimeter, please visit To inquire about our services, please contact Leslie Candy: The 2017 Prophet Brand Relevance Index™ will be released in Autumn 2017. Sign up now to receive a notification when the study is released.


Susan Etlinger, Industry Analyst at Altimeter

October 2017 – January 2018 BUSINESS CLASS 7



THE KEYWORD FOR NCC According to Jukka Viitanen, Head of Sustainable Business Development at NCC in Finland, speaking the same language as the customer is a top priority for the company. TEXT TIM BIRD


f you´re not able to talk the same language with your customer, you most likely won´t go very far in the dialogue,” says Jukka Viitanen. “You must be able to listen to, understand and answer the customer’s questions.” For NCC, whose HQ is in Sweden and is one of the largest construction companies operating in the Nordic market, sustainability is a key word in that dialogue, whoever the customer might be. “As NCC decided to take this direction, the need for sustainable business development was identified,” Viitanen explains. “We provide several sustainable products, services and concepts in different parts of our company and in different regions and one of my duties is to make information about these available all over our market area to offer our customers the added value of sustainable products, services and concepts.” NCC has about 17,000 employees and operates within the whole value chain of the construction industry within four business areas: NCC Building, NCC Industry, NCC Infrastructure and NCC Property Development.


“Our vision is to renew our industry and provide superior sustainable solutions,” 8 BUSINESS CLASS October 2017 – January 2018

says Viitanen. “This means that we follow the changes in our market and not only try to adapt, but proactively develop our processes and operations to become better and to break old habits. We have set targets for our sustainability work; for example, regarding climate and energy, our goal is to cut 50% of our CO2 emissions from the 2015 level by 2020. Providing superior sustainable solutions includes not only taking care of our environment, which we obviously do, but also paying attention to the social and economic dimensions of sustainability. Our employees’ wellbeing is necessary for us, but the wellbeing of our customers is also essential, so we want to offer our customers solutions that are beneficial economically, environmentally and socially.” PRESTIGIOUS REGOGNITION IN THE NORDIC COUNTRIES

NCC’s approach has earned prestigious recognition. A social services and health centre in the town of Järvenpää in Finland, for example, scooped up both Tekla Bim Finland and Global awards, while the Rotebro bridges in Sweden were the first in the country to receive recognition by CEEQUAL, the international evidence-based sustainability assessment,

rating and awards scheme for civil engineering. The Fittja People´s Palace project in Sweden has allowed renovation to proceed without becoming economically unsustainable for the residents, while the Portland Towers project in Denmark has transformed old cement silos into offices rated highly under the BREEAM environmental assessment certification. SOCIAL AND ENVIRONMENTAL FACTORS MATTER IN DECISION MAKING

The construction industry is fairly traditional in Finland, Viitanen says. “Since we all have the need to live, work and run our errands somewhere, there has always been a need for new construction and built environments. Traditionally the decisive factor has been heavily economic, but there are clear signs in the behaviour of our customers, who no longer make their decisions based only on economic considerations but also on social and environmental factors. So we differ from other construction companies because we have the expertise to provide products, services and concepts to customers who make decisions based on sustainability.”

The Rotebro bridges in Sweden were the first in the country to receive recognition by CEEQUAL, the international evidence-based sustainability assessment, rating and awards scheme for civil engineering.

The Portland Towers project in Denmark has transformed old cement silos into offices rated highly under the BREEAM environmental assessment certification.

NCC pays a lot of attention to biodiversity. The customers make more and more decisions based on social and environmental factors.

October 2017 – January 2018 BUSINESS CLASS 9



THROUGH SMART HOMES Fortum’s SmartLiving helps people control more of their lives through innovative smart homes.


eople want to live in cities. They want a sustainable lifestyle. And they want more control over their lives. Thanks to innovative technology all this is becoming possible. Fortum’s SmartLiving sees an opportunity in these four great megatrends of urbanisation, resource efficiency, active consumers and digitalisation. The smart home is now more than a theory. SmartLiving is building all the smart home benefits in one solution with Fortum’s customer support. Energy efficiency, maintenance, appliances, local energy production, security, adaptable lighting… it’s all there. Moreover, it is built on an open interface so new applications can be added and includes self-learning so it won’t become outdated.


“We want to improve people’s lives and contribute to a cleaner world by making apartment buildings smarter,” says Timo Kivi, Sales Director of Fortum SmartLiving. “We want Fortum to lead this change, not to follow others.” Sensors give us a better understanding of our homes, data analytics make sense of the information, mobile communications give us the ability to use that knowledge, while automation gives us more free time. We can be notified if we forget to turn the stove off and have water valves close automatically if there is a leak. We can turn on or off electronic equipment, change climate control settings or adjust lighting. 10 BUSINESS CLASS October 2017 – January 2018


“With the help of the Internet of Things you can get a lot of information from buildings,” Kivi continues. “With that data there are endless opportunities to create value for residents, developers, service companies and superintendents.” SMART LIVING IN STOCKHOLM

Stockholm’s Royal Seaport had the SmartLiving solution installed in over 150 flats. The project includes a multitude of partners in a dynamic ecosystem, including a public authority, appliance manufacturer, mobile telecom and an automation company. The energy industry is evolving from a broadcasting model to a network model, and the project in Stockholm reflects this new smart grid. It can handle peak load demands by controlling flexible energy consumption, such as electric vehicle charging, while simultaneously taking inputs from local microgeneration source like solar panels and wind turbines. Residents can see their energy consumption in real time and make choices accordingly. For example, they can lower their indoor temperature and lighting to reduce energy usage or program their washing machine to run in off-peak hours. “We are also building community functionality,” Kivi says. “For example, there can be announcements for the building or people can reserve sauna times.” BECOME PART OF THE SOLUTION

Construction companies and developers have been curious about smart homes,

but now interest is turning into action. A survey by McKinsey found a third of young affluent people are adopting smart home technology, and these are a much sought-after market segment. Moreover, developers are eager to partner with innovative companies and contribute to the creation of the ecosystem. A partnership in a smart home project has the possibility to develop into a long relationship with the other participants. Finally, having a smart home offering does wonders for their public image. Projects which include SmartLiving are a great way to prove their sustainable credentials to both residents and other commercial partners. Corporations are increasingly demanding their partners follow through on principles of sustainability. If you’d like to learn more about the benefits of partnering with Fortum on the SmartLiving project, check the website for contact information.

Current and coming ways Fortum SmartLiving can improve lives • Energy efficiency • Energy measuring • Visualisation of local renewable power production • EV charging • Smart heating • Adaptable lighting • Appliance control • Community applications • Safety • Machine learning to respond to user wants

Timo Kivi Sales Director of Fortum SmartLiving

October 2017 – January 2018 BUSINESS CLASS 11

Miimu Airaksinen, research professor at VTT

12 BUSINESS CLASS October 2017 – January 2018


VTT MEETS THE BUILT ENVIRONMENT NEEDS OF THE FUTURE VTT Technical Research Centre of Finland focuses on sustainable and smart city.



hen you think of smart cities, think of sustainability,” says Miimu Airaksinen, research professor at VTT. “But think broadly when you consider sustainability. A smart city is sustainable regarding energy and materials but it is also socially sustainable. It is economically viable. A smart city uses different technologies to be more efficient, saving time and resources.” VTT Technical Research Centre of Finland is a research and innovation powerhouse, wholly owned by the state of Finland. It helps a diverse group of clients, with about a third of its revenue coming each from the Finnish public sector, Finnish private sector and international organisations. The sustainable and smart city – our future built urban environment – is one of their focus areas. VTT has helped clients with automated vehicles, the built environment, smart city energy solutions, smart governance, smart lighting, sustainable energy and fuels, and transport solutions. “Transportation and mobility is a really good example of what we do in our smart cities work,” Airaksinen continues. “Mobility as a service is becoming increasingly important. You want to avoid unnecessary or inefficient movement to get from point A to point B. This applies to people, of course, but increasingly it applies to freight logistics. If you buy something online it needs to be delivered to you in the most efficient manner. So we help municipalities in regards to how roads are constructed and used, public transport authorities and even delivery firms.”

Airaksinen and others at VTT have helped their partners with transport information services and transport management development, impact assessments, new service concept development and field tests. They have also developed an expertise in smart transport, such as assisted driving and autonomous vehicles. CHANGING CITIES TO MATCH A CHANGING CLIMATE

Yet the smart city of the future is not just our current cities with tacked-on tech. Climate change is affecting our environment, and VTT helps cities anticipate the coming years. “With climate change we can expect an increase of heavy rainfalls,” Airaksinen says. “Yet the urban environment is not prepared for these events. Asphalt is not permeable, and our drainage systems were not constructed to handle the expected volume in the future. We can expect serious flooding if we aren’t prepared.” One solution is exactly that: preparation. VTT has worked on early warning systems so that cities will have advanced notice of heavy rainfalls. Authorities will then be able to prepare, such as enabling smart drainage systems and pumping capacity. The urban environment itself must also be improved to handle these dramatic climatic events. “Instead of trying to channel the water away, we are working on methods to naturally absorb this water,” she says. “For instance, permeable concrete can allow the water to drain into the soil. Green roofs and parks can also use the water. These

green areas provide other benefits as well, such as improving air quality and reducing the urban heat island which asphalt and concrete create.” MAKING ENERGY SMART

While VTT works on many aspects of the smart city, Airaksinen focuses much of her research on energy. “Urbanisation is increasing, so the energy consumption of cities is increasing,” she says. “But cities want to be low carbon and have targets to achieve this. There is a demand for more energy but cities need to use less, so we have a lot of work to do.” There are a variety of ways for smart cities to be more energy efficient. Smart rooms can detect there are no people inside so turn off unnecessary air conditioning. Predictive systems in malls can use weather forecasts and expected movements of people to manage indoor climate control systems. Buildings can generate power through solar PV panels, store that energy and use it more efficiently. Moreover, cities can combine different systems. Each may have a negligible impact but collectively they can transform the energy system in our smart cities. “We at VTT are interested in cities because of the great urbanisation megatrend,” Airaksinen says. “About 90 per cent of our innovation happens in cities. About 70 per cent of all of our CO2 emissions come from cities. We need to transform our urban environments so that our society is sustainable in the future.” October 2017 – January 2018 BUSINESS CLASS 13



DEVELOPMENT IN SMART CITIES Gofore envisages a new culture of development in smart cities which takes advantage of innovative processes and technologies. TEXT DAVID J. CORD


Riikka Vilminko-Heikkinen, business manager of regional government and municipalities & Mikael Nylund, senior adviser and business manager at Gofore.

14 BUSINESS CLASS October 2017 – January 2018



hat is a smart city? The entire concept is vague,” says Mikael Nylund, senior adviser and business manager at Gofore. “We are talking about the digitalisation and transformation of a city which affects every aspect of society. A smart city makes better use of the data we are generating. We augment and integrate that data to use and manage all the assets of the city.” Gofore is a 350-person strong digitalisation services firm founded in 2001. Among other things, Gofore’s experts help public officials build smart cities. Yet this doesn’t mean simply creating new services or infrastructure – this is about a whole new way of developing those things. LEGACY CULTURE

“The current development culture is time consuming,” says Riikka Vilminko-Heikkinen, business manager of regional government and municipalities at Gofore. “It is difficult to do something simple and quick.” Large, rigid development projects are the norm in legacy culture. They leave very little space for experimenting, learning and innovating. Technology develops on a much faster cycle. Modern technology and development methodology also allows for a faster paced and experimental way of doing things. What needs to change, Gofore says, is the development culture.

“But this culture can change when organisations transform to be more agile,” Vilminko-Heikkinen says. “This matches smart city development very well.” THE SMART CITY AS A PLATFORM

“No one can see the future,” Nylund continues. “Everything is complex and quickly changing. Development must also be quick and able to react to the environment. We can’t have city officials defining everything like they did a decade ago. Today we need the end-users involved as development happens.” Cities today are no longer linear service providers. The services in a city might not be provided by the city at all. Instead, a smart city can be seen as a platform in an ecosystem. Public-private partnerships can create new and better services. “A great example is in the city of Tampere,” Nylund says. “The city publishes all public transportation data via open API. The result is that the best mobile app for public transportation doesn’t come from the city but from a private citizen.” WORKING LIKE A STARTUP

The key is a proper development culture, a more innovative process which involves all parties. Requirements and solutions evolve through a collaborative effort. This is much more user-centric and keeps citizens participating during the innovation process. This isn’t like the rigid multi-year projects of the past; instead they are fast and expe-

rienced-based, much like how a startup operates. Other smart city solutions which can come out of this environment include smart street lighting, with data-driven street lights with led technology. This would allow street lights to be turned on or off based on the flow of people and traffic, saving energy and reducing light pollution. Smart traffic systems can have open APIs for traffic lights which are accessed from mobile apps, changing lights for approaching cyclists. “Another important example is governance itself,” Nylund says. “This can increase government transparency and public engagement in decision making.” TRANSFORMING CULTURE

Gofore is well-known for its expertise in IT, which is useful for transforming the development culture in tech-heavy smart cities. They can help city officials raise ideas, define issues and redefine processes. “It is a very big deal to change a culture,” says Vilminko-Heikkinen. “We help cities and municipalities to define their goal, because everything in development supports a goal. We can coach organisations why and how to use simpler, easier development methods. We get them to see development as a way to get things done – including all the little things that will form a cohesive whole.” October 2017 – January 2018 BUSINESS CLASS 15


MODERN LEARNING IS REDEFINED IN KOTKA Finland is famous for its education, but much of that system was built for needs which no longer exist. The 21st Century needs different skills, and to meet that challenge we need a different solution. The City of Kotka has taken a radical approach to learning and is reimaging the way a city can equip students and companies with the entrepreneurial skills needed in the 21st Century.

16 BUSINESS CLASS October 2017 – January 2018

vision. The first successful experiment has been the *SHIP Startup Festival, bringing hundreds of student entrepreneurs to work with mentors worldwide. They encourage students to build the creative and entrepreneurial skills needed in today’s businesses. DISRUPTION CAMP

Another programme, the Disruption Camp, takes a few dozen talented students through a rigid, accelerated learning program. They visit local companies and learn about their struggles. Over two weeks students are challenged to come up with disruptive solutions to be applied in real businesses. Companies have also been eager to sign up as partners, because the *SHIP Disruption Camp puts them into contact with a talented pool of individuals who understand what companies need. In August 2017 Statistics Finland reported that 54 per cent of all job vacancies are “difficult to fill”. The Kotka-Hamina region is positioning itself as a forerunner in modern ed-

ucation. Partners like Cranfield University, MIT Sloan Management School and Google have boosted confidence and Cursor wants to keep creating a modern learning environment. “We are creating jobs and attracting investments,” concludes Eho. “Best of all, we have proven that having a radical approach works.” Jouni Eho



he Kotka-Hamina region is currently famous for its giant Google datacentre, but soon people might be talking about how it has created a novel way to take learning from the classroom to the real world – as well as a novel way for companies to find the skills they need. “The lack of a traditional university in Kotka is a big advantage,” Bruce Oreck, former US ambassador to Finland who has supported the Kotka initiative, told YLE. “I applaud the fact that Kotka has chosen a disruptive approach to create a real 21st Century learning environment without any institutional constraints.” “This is a new learning concept,” says Jouni Eho from the regional development company Cursor. “It started by finding the right question. For us it was: How can a city use the lack of a university as an advantage to organise learning in a way that focuses on skills development, not accreditation.” Cursor has taken a modular approach to build several programmes around the




AN EASY, USER FRIENDLY STANDARD Smart Building is a good investment but we must make it simpler for investors to define. The standard would define concrete features and benefits from the owners’ perspective during the life time of the building. TEXT DAVID J. CORD


ho is an expert to say whether a new building or major refurbishment requires solar panels, wireless lighting controls, inside navigation, temperature and CO2 sensors and about a hundred other technologies? Probably not too many. “If I invested now in a building, I would want it to have three key elements,” says Tuomas Qvick, vice president of EcoBuildings business at Schneider Electric. “All building technology should be built on one technical platform with an open interface for all systems and applications. Secondly, indoor conditions and energy efficiency should be automatically monitored and adjusted, saving up to 30–50 % in energy costs. Thirdly, the building should be connected to the industrial internet in a cyber secure way. That enables the building to be connected to smart energy grids as well as be more user-friendly and responsive to future demands.” SMART BUILDING IS LIFE CYCLE THINKING

Creating a smart building takes more than sticking new technology into a concrete shell. It takes new ways of thinking and working to get the most out of a smart building. Unfortunately, way too often the decision making is focusing on the construction phase – not the life cycle. “In a way, every building is a prototype,” Qvick continues. “Other industries constantly keep the end-user involved as they build a prototype, alpha version, beta version, and finally have something to take to market. We could

Tuomas Qvick, vice president of EcoBuildings business at Schneider Electric

do the same thing with smart buildings, but we need new modes of action.” Currently, when a new building is constructed it is not uncommon for the investor to step out early in the process, handing the project off to the developer, architect and subcontractors all down the line. Qvick likes it when the building owner stays involved. “It is great when owners are on the steering committee and consider the value of the building over its entire life cycle,” Qvick says. “Owners will follow that their smart building standard becomes a reality and they keep the end users involved on what services and applications they need.” These can be supplied in a similar manner to what happened with mobile phones: an open source ecosystem with partners providing a variety of applications for consumers. Think of an app store, but for your smart building. “Owners can seek advisors with competence and knowledge, those who understand the smart grid, Big Data, analytics, and all aspects of this evolution,” Qvick continues. “Schneider Electric

invests 1.3 billion euros annually to increase our resources in this.” One aspect Qvick stresses the need for flexibility. A new apartment block or hotel will last for decades, but what will the residents and tenants need in the future? The key is to build flexibility into the buildings, with the embedded sensors and technology, supported by an open platform ecosystem which allows new applications to be developed and deployed. “Now the evolution is fragmented, but I hope investors and cities take the initiative to build this vision,” he says. “It takes a lot of effort to make this future a reality, and we are ready to do our part.” Schneider Electric specialises in energy management and automation solutions, including hardware, software and services. When it comes to smart buildings they have become the global experts in the production and use of energy, including everything from renewable microgeneration to smart grids. October 2017 – January 2018 BUSINESS CLASS 17


VERISURE IMPROVES HOME SECURITY WITH HUMAN SERVICE AND TECHNOLOGY A home alarm system tells you if you have an intrusion or fire, but a professionally monitored system makes sure help is on the way.


bout 14% of Finnish households are protected by an alarm system, but only 4% are professionally monitored,” says Sami Ranta, Verisure’s managing director. “You are away on a business trip and get an SMS alert that there is a burglary or fire. Unfortunately, it is likely that the authorities will not act quickly as the event is not verified. You have to call a friend to check, and if they aren’t available there is very little you can do.” Verisure has been in the home security business for 20 years and provide Europe’s most popular alarm system. Their famous signs are enough to dissuade most burglars, but if they do persist in breaking into a home Verisure can take action, no matter where the homeowner is. “We have audio and visual elements in our system,” Ranta continues. “Our alarm centre will see on the cameras that it isn’t a false alarm. We have speakers installed, so we can tell the intruder that he is on camera and we have dispatched


a security team and informed the police. When we start talking to the thief typically he will immediately flee.” Not long ago such a professional system was reserved for affluent people, but improvements in communications and smart home technology has greatly expanded its accessibility. In Finland alone the number of households with such a solution has exploded from 5,000 to 68,000 in just a few years. SMART HOME INNOVATIONS

New smart home innovations have also allowed Verisure to provide more benefits. After all, when you are travelling there are more risks to your home than thieves. About 90% of Verisure’s customers also have solutions like fire warning systems or water leakage sensors. About 60,000 Finnish homes suffer water damage every year, and a leak during your week-long business trip could cause massive damage. Verisure has other new innovations as well, such as smart plugs which allow

you to automatically or remotely control heating or lighting with an app. Working with partners they have also developed smart door locks. “The typical Finnish consumer has a self-monitored system. This might warn you if you have a problem, but it doesn’t allow you to do anything about it,” Ranta concludes. “We provide peace of mind. When you travel you can be assured that our professionals are on hand to make sure your home is secure and safe.” |

Intrusions in Finland • In 2016 over 5,200 intrusions occurred: 1,200 to summer houses and 4,000 to homes. • 44 % of intrusions were made to villas and 36% to apartments. • Around 60% of intrusions are made at daytime and evening; 40% happen at night. • Only 45% of Finns feel their home is protected enough. • Sources: Police, Statistics Finland, Verisure Oy

18 BUSINESS CLASS October 2017 – January 2018



LAST MILE SOLUTION OF E-COMMERCE BUSINESS Posti puts parcel lockers right where they are most convenient, in your office or block of flats.


nline commerce is a well-developed industry, but it continues to use traditional delivery methods. If you buy something on eBay, for example, it is shipped post office to post office just like in the 1950s. Now Posti has developed a solution to bring parcel delivery into the modern era: SmartPost. Posti puts parcel lockers right where they are most convenient, in your office or block of flats. People can ship and receive packages without making a trip to the nearest post office. Many large Finnish real estate developers and construction companies have already signed up for the service. “It is very easy and convenient for these commercial and residential companies,” Posti’s Toni Laaksonen explains. “There is no upfront investment on their part; they only have a monthly fee which covers rent, maintenance, insurance and daily deliveries from Mon-


day to Friday. They don’t have to worry about installation, electricity or internet connections. This is a great service for their tenants and employees.” MAILBOX WITH SERVICES

The value of shipping and receiving packages from your own home or office is clear, but Posti is much more than that. It is also a platform for companies to sell their products and services. You can ship your dirty laundry and receive it back fresh and clean. You can send your smartphone with a cracked screen off to be repaired and get it back good as new. “I really like the grocery service,” Laaksonen continues. “The food is shipped in temperature controlled boxes so it is guaranteed cold until 9 pm. If you’re working late you don’t need to worry about going to the store or even if someone is home to receive a delivery. Your groceries are fresh and safe waiting for you.”

Partners are invited to join the service to sell and market their goods and services. They get a branded subdomain and control over their products and pricing. All common payment options are available, and Posti even covers payment transaction costs. Posti also covers logistics and charges consumers directly for delivery. Retailers and service providers can focus on doing what they do best while Posti handles the backend and logistics. Posti has been in development for over a year and pilots – mostly in apartment buildings – began last winter. By the end of 2017 the full service platform will be available and they expect about 750 lockers will be serving residential and commercial buildings. “We are developing an online order form so it is very easy for companies to join the service,” Laaksonen says. “After all, we are all about convenience.” October 2017 – January 2018 BUSINESS CLASS 19


PUTTING HUMANS IN THE IOT Tieto’s Tomi Teikko says there is one important element missing in many IoT applications: us. TEXT DAVID J. CORD


he Internet of Things is made up of sensors and transmitters, big data analytics and machine learning. But what about us humans? Of course, the IoT in a building is supposed to ultimately benefit its inhabitants, but they often get outshone in the glitter of cool new tech. Humans should play an even bigger role in the IoT. COFFEE = PRODUCTIVITY

One of the most popular uses for the IoT is predictive maintenance. Sensors collect data which is then analysed, and we will know when a machine needs to be serviced. The result is less down time and increased productivity. But maybe we should look at this differently. “The one important source of all productivity in an office is the coffee machine,” explains Tomi Teikko, the director of Intelligent Building at Tieto. “So if there is one thing you never want to break down in an office it is the coffee machine.” On the surface, the coffee machine sounds like a great place to put the IoT to work. The number of cups of cappuccinos and straight blacks can be carefully counted. Sensors can monitor milk and bean levels, and when they are low an emergency call can be made for refilling. “That set up might cost $100,000,” Teikko says. “But you can put up a simple connected button for $32. When the machine needs service, someone pushes the 20 BUSINESS CLASS October 2017 – January 2018

button. On day one, the office workers will push the button every time it runs out of coffee beans. But by day two they will push the button when they know the machine is about to run out. Humans are predictive by nature. Now you have humans performing predictive maintenance and we just saved $100,000.”

would be priceless information for team leaders and building managers. “By using analytics to study this data and spot times, locations or activities that lead to increased stress levels, managers can make adjustments, boosting productivity and making the office a nicer place to be,” he says.



Humans, in fact, can be a terrific source of relevant data for the IoT. In another example, Teikko discusses cleaning. The traditional solution is for a contracted cleaner to come to a building at regular intervals and clean for a specified amount of time. Maybe the lobby needs cleaning, but maybe it doesn’t. “People are better than any technological solutions when it comes to expressing how they feel about an environment,” Teikko continues. “Using humans as sensors will become vital to any building maintenance. This may take the form of feedback buttons in various locations that ask users how they feel about the space. Simply touching a positive or negative button, like a happy or sad face, can give instant data to maintenance companies about a space and highlight any problem areas.” He says this is only the first step. Wearables will help people to provide even more data. Even now they can monitor an individual’s pulse to measure their stress levels. Camera analytics can capture emotions from people’s faces. This

The ultimate goal for the IoT is to improve people’s lives. People can be sensors in the IoT, but the IoT must be built for people as well. Teikko calls this an “end-user centric design” or a “human centric design.” “Many companies put boards up to show their real-time energy usage,” he says. “But what good is that? If you want to change behaviour – get people to use less energy – you need a different system. For example, you can gamify it. Show the energy usage by floor, and have a competition to see which floor does best every Friday. Don’t show numbers. The data needs to be visualised in an interesting way, and using that data should be fun.” Humans can play a valuable role as being sensors in the IoT, and the IoT can play a valuable role in making people happy. Happiness should always be the end goal. “Don’t measure your team’s productivity; measure their happiness,” Teikko concludes. “We always forget this. If your team is happy, they will be productive.”


October 2017 – January 2018 BUSINESS CLASS 21


Mads Møller, CEO of Archiland A/S


AN URBAN STRATEGY WITH ARCHILAND What can China and Scandinavia teach each other when it comes to our urban future? Quite a lot, actually.


he Scandinavian model of society has a strong appeal in China because it is so harmonious in Chinese eyes; we are equal, happy and have an attractive environment” says Mads Møller, CEO of Archiland A/S. “On the other hand, we here in Scandinavia can learn a lot by being part of what happens in Asia. The urbanisation rate and scale is tremendous and challenge the political decisions and the technical solutions in a way we can use to challenge and guide our Scandinavian clients”. Archiland was founded in the spring of 2016 by Møller and Morten Holm, both of whom had extensive experience working in the Nordics and China. Now they have 14 consultants based in Denmark and China helping their clients navigate through the global megatrends of urbanisation, climate change and demography. “We work with public authorities such as states, municipalities and utility companies,” Møller continues. “We can help with their strategy, city concepts, master plans, environmental management, infrastructure and building design. We 22 BUSINESS CLASS October 2017 – January 2018


help them define their goals and implement plans to achieve them.” Archiland are experts at using big data in the development of their projects as a tool for making various perspectives visible. They define their philosophy as a symbiosis between climate adaption, mobility and the public environment, which they visualise as interlocking circles of blue, grey and green. These factors are all interdependent, which cities must take into consideration when planning and implementing their urban strategies. “Our ambition is to create the best possible conditions for urban life together with our clients. The attractive and liveable city is one where people want to meet and where they can meet – infrastructure and buildings can be barriers or catalysts for joining people, and that’s what we try to enhance by combining the perspectives,” Møller says. They have helped the cities of Aarhus and Copenhagen in Denmark, but one of the best examples of Archiland’s work is a plan for the urban core of Beijing. In centuries past the Landmark River was a major trade artery and the centre of so-

cial life, but after rapid urbanisation the river became an afterthought. Archiland envisages a new life for the river which could reinvigorate the entire area. Liang Ma He would be a new green and blue corridor in the heart of Beijing. “We would lower the water level in the Liang Ma He to create space for super bike paths similar to the ones that are part of the green mobility success of Copenhagen” says Møller. “It would allow for cohesive urban spaces and a reservoir for the protection of the city during cloudbursts.” The river would be lined with trees and grass, as well as various paths for both slow contemplators and fast cyclists. Water is absorbed and recirculated instead of being funnelled away. Graceful bridges soar over the river while open areas encourage social interaction. “This is an example of how we bring our expertise and philosophy to help city authorities achieve their goals,” Møller says. “We look at cities holistically and see their great potential.”



ONLY LIMITED BY IMAGINATION Finland is often an early adopter when it comes to technology, and the Internet of Things is no exception.


here is great demand for the IoT all over Finland right now, but I see three areas which are particularly active,” says Jarkko Haapalainen, Internet of Things Leader for IBM Finland. “We have manufacturers and heavy industries like KONE who want to connect their equipment and processes. Another is the health care industry, which is looking at cognitive health and wellbeing for the elderly. Finally we have insurance companies who are interested in work safety solutions and connected cars.” This is a diverse group of applications because the IoT is highly adaptable to different situations. As Haapalainen points out, only the imagination limits the applications of the IoT. The key is collecting data and – more importantly – analysing that data.


“Analysing data with its Watson capabilities is one of IBM’s strengths,” Haapalainen continues. “There is a dramatic transformational change around cognitive services. One major trend is the combination of internal, structured data with multiple sources of external, unstructured data. We can help manufacturers of industrial equipment who want to enrich their portfolio with services.” COMBINING DATA

An example he gives is a manufacturer of mining equipment which can combine data from their own machines with external data from the mines or industry. This increases productivity and lower costs by improving uninterrupted operations and maintenance, but there are other benefits. “R&D gets the data and improves new products,” Haapalainen says. “Also,

they have better customer engagement, offering better services and higher satisfaction. Finally, they can completely transform their businesses based upon the data. They can capture the whole service lifecycle.” While IBM offers a complete end-toend approach, he stresses that the IoT is an ecosystem. Haapalainen says that co-innovation with partners can create entirely new solutions. One example he points to are voice-enabled cognitive rooms IBM created with Harman. “In the near future I think we will see interesting developments with the IoT and blockchain technology, like guaranteeing data in supply chains,” Haapalainen says. “Also, if you are interested in the consumer IoT, keep your eyes open on wearables in health care.” October 2017 – January 2018 BUSINESS CLASS 23



OUTLINED AT THE MONEYFINTECH EVENT The financial industry is undergoing a radical transformation. Young and old players are discovering how they can thrive in the new environment. TEXT DAVID J. CORD


nce upon a time banking was a conservative industry. No more. Today financial services are at the forefront of some of the hottest technologies and business models. In May about 400 experts gathered in Helsinki for the MoneyFintech event to learn how to profit in this changing world. The event spanned two days and covered two broad themes of money and financial technology. Major topics on the money side included the futures of banking, capital markets and wealth management. The professionals in financial technology covered everything from how consumers view new technologies to disruption through cryptocurrencies. EVOLUTION AND DISRUPTION

“Change is fast; adaption is hard,” Stora Enso’s CFO Seppo Parvi says to the attendees. A number of key speakers at MoneyFintech pursued a similar theme of

transformation. The innovations in financial services are accelerating and participants are struggling to keep up. “There is both evolution and disruption happening in financial services,” says Sampsa Laine, vice president of Nordea. “A great example is the financing ecosystem. In the past banks loaned to entrepreneurs. Now it is more interdependent. We see multiple financing channels and methods in a multilateral platform.” Yet sometimes small companies have one idea and old players have another. A major theme at the event was how they can work together. Networking during the breaks showed that the participants were already seeing what different companies could offer each other. “Innovation is coming from both startups and established banks,” explains Devie Mohan, CEO of fintech research company Burnmark. “We need to help collaboration between startups and large corporations.” One tangible example is Nestholma, a Finnish accelerator. They had a large contingent at the event to offer their expertise helping startups and corporations work together. TECHNOLOGY AND PEOPLE

Ideas on how to use new technologies generated considerable interest. Cillian Leonowicz from Deloitte Ireland tried to bring the hype about blockchain down to earth and explain how it could actually be useful. 24 BUSINESS CLASS October 2017 – January 2018

“Currently the main uses of blockchain are in transactions and trade finance, but we can see major changes coming,” Leonowicz says. “Look at other industries. The biggest hospitality company in the world – AirBnB – has no hotels. The largest ground transport firm – Uber – doesn’t own taxis. The bank of the future might have no balance sheet.” There are many new ideas in financial technology, but the industry has certain standards and modules which everyone follows. The startup Fundu developed a platform for other young companies so they don’t need to completely start from scratch. “Think of us as the Wordpress for fintech,” Fundu’s Tuomas Oksanen laughs. But will everyone in the financial industry be replaced by algorithms, artificial intelligence and other technologies? Billy Quinlan of BNP Paribas doesn’t think so. “There is increasing automation in the back end,” he says, “but the human relationship is still the most important thing.”



The rich mix of people and topics at MoneyFintech generated praise from the attendees. “There were some great speakers and I met some really interesting people,” says Heikki Huhtamäki of Huhtamäki Brothers Attorneys. “I’ll be back in 2018.” “This was my first year, but I’ll definitely come back again,” says investor Timo Ahopelto of Lifeline Ventures. Although MoneyFintech was billed as a Nordic financial event, Handelsbanken found a great way to remind everyone that we have connections all over the world. When Handelsbanken Finland CEO Nina Arkilahti invited the attendees to enjoy cocktails she did it in style, with a troop of Chinese dragon dancers.


October 2017 – January 2018 BUSINESS CLASS 25

MONEY & FINTECH Ilkka Huikko, Partner, Financial Services Industry Leader at Deloitte in Finland

DELOITTE MAKES SENSE OF A COMPLEX WORLD The more complex the world and business environment, the more Deloitte has to offer. That’s the reassuring promise of Ilkka Huikko, Partner, Financial Services Industry Leader at Deloitte in Finland. TEXT TIM BIRD


ccording to Ilkka Huikko, the financial services industry landscape is in transformational flux. “The main drivers of change are digital disruption and a never ending tsunami of regulation,” says Huikko, who describes his mission at Deloitte in Finland as ensuring that clients within the Financial Services Industry (FSI) get

26 BUSINESS CLASS October 2017 – January 2018

the best services to match their needs and aspirations. “Banks and insurance companies are being challenged to renew themselves,” he continues. “They are required to do much more in a much more thorough manner, for much lower fees. This big picture triggers different strategic choices and operating model aspirations. We help our clients make those strategic

choices, as well as define and implement new operating models. Sometimes our help is quite comprehensive, at others it’s more limited. We mostly work with the biggest financial services institutions - banks, insurance companies, investment management firms and market infrastructure institutions.” Deloitte serves clients in the domains of consulting, audit & accounting and


Deloitte pays attention to workers’ well-being.

risk advisory, tax and legal, as well as financial advisory. “Deloitte is not in itself a financial service provider but we provide professional services to FSI sector organizations. Also, FSI is Deloitte’s most established industry vertical. We have extensive knowledge and understanding of strategy, operations, technology, marketing, talent, analytics, risk management and digital transformations of Financial Service clients all over the world.”

second official language). We serve the client according to their preference.” Regardless of the language issue, there are benefits from including native Finns in cross-border teams, drawing on their familiarity with local consumer behaviour, culture and the local labour market. The professional services market and its conventions vary from country to country, so a cross-border team with strong local knowledge is often a vital ingredient of a winning recipe.



Deloitte has reformed the ways in which it gives its clients access to all this knowledge. “We want to make an impact and to be able to implement our own advice effectively,” says Huikko. “We serve our clients more and more by using cross-border English speaking teams. But we still have some client organizations where it is preferable to operate in Finnish or Swedish (Finland’s

“Deloitte is a global company, and while our HQ physically resides in New York, our main entity is registered in the UK,” Huikko explains. In the context of a global market, he does not anticipate any major disruption to the company’s business as a result of the UK’s planned exit from the European Union. “We expect that the impact will be fairly limited to Deloitte. We see Brexit mainly as

a business opportunity, as many of our clients, a large number of which are global, need to identify their best course of action. We are here to help.”    It is not Deloitte’s job to make the complex simple, he says, but to make it understandable. “Deloitte has a fantastic track record since its inception as the first independent auditor firm by William Welch Deloitte in 1845. We constantly see where the world is moving. A good example of this is our partnership with the World Economic Forum. One stream of this cooperation has been focusing on the impact of digitalization and fintechs on various FSI sectors. The most recent part of this research was published in late August 2017, and our clients have been eager to learn about and discuss the findings. Similar dialogues remain relevant locally, regionally and globally,” he concludes. October 2017 – January 2018 BUSINESS CLASS 27



CREATES THE PERFECT WORKER Imagine a worker who never sleeps. A worker who never goes on holiday, never makes mistakes and never steals your lunch from the breakroom. This worker has been created by Digital Workforce, the only company in the Nordic region who specialises purely in robotic process automation.



ur mission is to offer a digital upgrade so our customers can accelerate their business,” explains Jukka Virkkunen, Partner and Co-founder. “With our digital worker they cut costs, increase quality and get the work done faster.” A digital employee is software which automates patterns of how humans use computers in rules-based tasks. It is a normal team member who is trained to carry out the process just like any employee. 28 BUSINESS CLASS October 2017 – January 2018

The digital workforce can manage one or more processes or tasks, and can even be trained to prioritised some tasks over others. “The idea is to automate routine tasks,” Virkkunen continues. “This frees up employees for other tasks.” Digital Workforce researched the healthcare industry soon after they were founded. They discovered that 30 per cent of doctors spent over six hours daily behind a keyboard instead of seeing patients. The typical health care worker

spent 30 minutes each day inputting the exact same information into different systems. Instead of a nurse imputing a patient’s name and address multiple times in multiple systems, why not automate it? That’s exactly what Digital Workforce did. AUTOMATING ROUTINES

Robotic process automation (RPA), or software robots, replicate the actions of a human being interacting with the user interface of a computer system. Previously they have been used in software testing,


but recently their use has expanded to automatically process knowledge work. Commonly, the digital worker carries out tasks in IT, HR, customer service and back office teams. Digital Workforce has helped clients in the public sector, finance, business process outsourcing and healthcare industries, among others. In fact, the demand from the healthcare sector is so strong that Digital Workforce has appointed Tiina Leivo, MD, Ph.D., to lead their offering to the industry. Their CE-marked Robot as a Service solution can help hospitals register exam referrals, report lab results and even assist in staff resourcing for home care. Banks have used digital workers to order and deliver customer account statements, while the public sector has used them to transfer patient data from population register systems to health care systems. In HR, they can automatically search employee files and record required

information, such as payroll data changes. The premise is to speed up the process, reduce errors, and save money in simple tasks such as these. “We are focused on these low value, routine tasks,” Virkkunen explains. “We automate routine and are aimed at volume production. We build an industrialised environment to provide solutions.” CUTTING COSTS AND INCREASING EFFICIENCY

The solution can cut the cost of routine knowledge work by half, and Digital Workforce works quickly to move from plan to results in a few weeks’ time. Providing such a solution has obvious benefits, and Digital Workforce’s services are much in demand. From three people in the summer of 2015 they have now grown to over 90. “We expect to have 200 people on our team by the end of 2018,” Virkkunen says.

“We have people across the Nordic region and Poland.” Digital Workforce offers process assessment and proof-of-concept to identify the current situation and the potential of digital workers. They can deploy and enhance, training and testing the digital employee in the customer environment. Moreover, the company can deliver scalable solutions as an ongoing cloud-based service. “The problem customers have is that human productivity has not increased with modern IT systems,” says Virkkunen. “Workers are an extension of IT systems, with their hands on keyboards. We can free up these humans for other more valuable tasks by adding a new team member: a digital worker.”

October 2017 – January 2018 BUSINESS CLASS 29



– AND WHAT TO DO ABOUT THEM A cyber security breach is bad for business – but how bad? Now for the first time we know, thanks to a comprehensive study by CGI and Oxford Economics. TEXT DAVID J. CORD

30 BUSINESS CLASS October 2017 – January 2018


Jan Mickos, Vice President for Cyber Security at CGI


cyber breach has a clear impact on company value,” explains Jan Mickos, vice president for cyber security at CGI. “Following a severe breach an organisation’s share price falls by an average of 1.8 per cent. This is a huge amount of lost value, equivalent to €130 million for a FTSE 100 company.”


The report, The Cyber-Value Connection, explores the link between a cyber incident and company value. Everyone knows that a cyber breach hurts an organisation’s reputation and maybe even its operations, but until now this damage has not been quantified. Now we know what an incident could cost us, but we also know what to do about them. The study found that two-thirds of companies saw a negative impact on their share price after suffering a cyber

breach. In extreme cases, the company could see a 15 per cent drop in stock price. How the company is performing overall also plays a role: underperformers saw their share price fall 2.3 per cent, while high-performing organisations had a drop of 1.1 per cent. The damage to shareholder value is significant today, but the Cyber-Value Connection suggests a breach will become even more costly. More industry analysts are considering cyber as a factor affecting valuation and new regulations require companies to disclose incidents. “The report highlighted one important piece of information,” Mickos continues. “There is a 1 per cent difference in the value drop between those companies who had prepared for a cyber breach and those who did not.” CGI is working hard to help companies and public organisations to limit their risks from cyber breaches.

“We offer a holistic service portfolio,” he explains. “We help with all aspects of cyber security: identifying and understanding the risks, how to protect yourself and how to react to them.” GLOBALLY AND LOCALLY

Mickos says that one of CGI’s strengths in helping clients is that they are both a global and local company. As the world’s fifth largest independent IT provider they have a global reach, but they also have a local presence so they understand the regional language and legislation. “We help our clients be prepared for that inevitable cyber breach, because it really is inevitable,” he concludes. “We want you to be able to act when it happens. How big an impact that breach has on you depends on how well prepared you are.” October 2017 – January 2018 BUSINESS CLASS 31


CYBER IS A MUST IN THE BOARDROOM KPMG’s security expert discusses why corporate boards need to pay more attention to cyber issues and how this is useful for the company. TEXT DAVID J. CORD


in charge of cyber security,” Laaksonen continues. “But this is rarely the case and responsibility is not clear. What about contractors? What about hosting? What about industrial control systems? What about everyone who has access to your systems? Also, the focus is still too much on risks and too little about the opportunities. Cyber is a major enabler, like in digital transformation.” The question itself may seem trivial, but it is vital for the board to understand their cyber risks. Other important questions the board needs to ask involve the information assets they are protecting, current vulnerabilities, risk appetite, partners, obligations, processes to deal with cyber threats and what their competitors are doing.

any executives and managers are concerned with their company’s cyber security, but boards still pay too little attention to it,” says Mika Laaksonen, partner at KPMG Finland. “This has the potential to be a major problem. They may not fully understand the risks as well as the opportunities.” On an almost daily basis the news has stories of cyber catastrophes, from mission-critical applications collapsing to reputation-destroying privacy leaks. KPMG has invested considerable resources in helping board members understand what cyber issues mean for their organisations.


KPMG has published several studies on cyber issues for boards. They try to address shortcomings they have discovered in their work, such as common misconceptions. “Many boards think that one person in their organisation is 32 BUSINESS CLASS October 2017 – January 2018


The free KPMG Cyber News and Trends App helps you stay informed about cyber threats and trends.

The board needs to consider cyber issues for more reasons than to address risks, though. KPMG’s recent CEO Outlook Report found that 47 per cent of chief


Mika Laaksonen, partner at KPMG Finland

executives said innovating new products, services and ways of doing business were a strategic priority. Advances in technology is a primary driver, and not just for traditional IT companies like those in software or IT services. “Every company is an IT company today, even traditional manufacturers,” Laaksonen says. “Today various devices in our ships, cars, buildings, power

A few of the questions the board should be asking 1. What expectations do our customers and regulators have about cyber security? 2. Who in our organisation is responsible for cyber security issues? Will that also cover our products, services and production systems? 3. What are we protecting, and what are the risks? 4. Do we fully understand our current vulnerabilities? 5. What processes do we have in place to deal with cyber threats, and how do we react? Source: KPMG, Boardroom questions: cyber security – what does it mean for the board?

plants, production sites and homes are connected to the internet, sending back information and receiving instructions." Still, using technology to take advantage of a new opportunity can also create new risks for a company. For example, it is great for a ship engine to give real-time information on its operation, but it would be a disaster if someone unscrupulous was able to take control of it remotely. BOARD RELEVANCE

This is a common problem Laaksonen has witnessed in his work with corporate boards. They use technology to improve their services and processes but then are unaware of the real risks. “Many factories have automated systems, but the security is not very high,” he says. “They think those systems are firewalled and separated from other networks, but in reality there are many routes into them. Someone could manipulate production or steal information on your production

KPMG’s cyber in the boardroom approach 1. Assess your current cyber risk posture. 2. Know your crown jewels. 3. Select and steer your defence. 4. Boost security awareness and education. 5. Enhance monitoring and incident response. Source: KPMG, Cyber in the boardroom

environment. This is even true for critical national infrastructure, like power grids and plants. We need to emphasise protecting these environments, not only the traditional office IT or financial systems.” “These issues are very relevant to the board,” Laaksonen concludes. “It is their job to understand their organisation and make major decisions. They have to be aware of trends and be informed on internal developments. This is not only to protect their own IT systems, but to protect the service to their customers and to drive innovation.” October 2017 – January 2018 BUSINESS CLASS 33



F-Secure’s Erka Koivunen is a champion of a concept he calls “operational security”.



t’s really simple,” F-Secure’s Chief Information Security Officer explains. “OpSec is bringing common sense to information security. This is about your behaviour. Operational security is how you remain secure in practical settings.”

use if you leave it unlocked in an airport lounge while you get a cup of coffee,” Koivunen says. But even if you do lock down your devices they may not be secure. If you leave them behind in your hotel room, for example, there are ways to see if they have been tampered with.

”Feel free to be creative in creating your “impossible to copy” pattern or seal”


F-Secure is a major cyber security and privacy company based in Helsinki. They offer popular products to individuals and businesses such as antivirus and privacy solutions, such as Freedome, one of the rare VPNs which independent CSIRO researchers say deliver as promised. But these need to be used with common sense. “All those great tools your IT department installed on your laptop will be no

Erka Koivunen F-Secure’s Chief Information Security Officer

34 BUSINESS CLASS October 2017 – January 2018

“Protect your travel gear and documents with tamper-evident bags or tags,” he continues. “Another idea is to create a seal which is impossible to copy. If you cover the screws of your laptop with glitter nail polish, it will dry in a unique pattern. Take a picture when you leave your device and another when you return and compare them. There are even apps which can detect differences between two photos.” “One of our guys crushes a potato chip and scatters the crumbs across his laptop. If someone tampers with his machine they would never be able to put all the crumbs back in the right place. He has

even asked if he can write off potato chips as a business expense,” Koivunen laughs. Another tool which Koivunen recommends is a password manager. F-Secure offers a free version for individuals, F-Secure Key, and an advanced version for companies. He also warns people should be on guard against impersonators and social engineering. If a caller claims to be your CEO and wants you to transfer company money, doublecheck through regular channels. Even be cautious about what you say on social media. “In the past major mergers have been discovered because someone Tweeted about being in an unusual place at an unusual time. People can guess the reason why you are there,” Koivunen says. “It is impossible to prevent all breaches of security, but if you practice good OpSec you can ‘ground’ yourself from potential shocks.”


STAYING SAFE WITH LAN & WAN At LAN & WAN they describe its people as architects who really understand the businesses of the customers and are able to build the right cyber security solutions.


e really don’t have a typical customer,” says Pertti Pikkarainen, CEO of LAN & WAN. “We have big corporations like Finnair as clients. We work with insurance companies, hospitals, factories and municipalities. We work all over Finland with a variety of organisations.” There is a good reason such a wide variety of organisations choose to work with LAN & WAN. Founded in 1993, they have 95 people in 11 offices throughout Finland. They have three main business areas which often complement each other: real estate security, networking which includes hybrid cloud services, and cyber security. Cyber security is one of the most pressing problems for businesses and public organisations today. “We focus on quality,” Pikkarainen continues. “We hire the best vendors and recruit the right people who get the best training and best certifications.



One example is their Total Security solution, which includes many cyber security services options. “We provide overall security management in a partnership with the customer,” Pikkarainen continues. “We are constantly monitoring to see if something happens in your network, like if you get a botnet on a workstation or a server is infected. Through the LANmanage portal customers can access important functions like incident and change management.” LAN & WAN offers a variety of other cyber security solutions which customers can choose as they need, ranging from protection to detection, prediction to response. “Cyber Immunity prevents unprecedented threats,” he says. “Algorithms measure the baseline of workstations or servers. It detects anything strange or something behaving abnormally like an unusual data flow. This is an effective and versatile tool.”

In the summer 0f 2017 LAN & WAN was purchased by Viria, a major Finnish player in security and network solutions, information management and TV services. The combined company is a pioneer in network and security solutions, able to collect, manage and refine information; provide security solutions and services; secure company networks; and offer targeted solutions for strategic sectors like healthcare and trade. “Many companies have wanted to merge with us over the years, and I am very happy that we were purchased by Viria,” Pikkarainen continues. “We fit perfectly with their offering and now both our customers and Viria’s customers will have access to even better solutions.” October 2017 – January 2018 BUSINESS CLASS 35

Smart City 2017 | 31 October – 1 November 2017 Korjaamo I Helsinki

2017 Cyber Security Executive 2017 | 14 November 2017 Korjaamo I Helsinki

36 BUSINESS CLASS October 2017 – January 2018

NORDIC Digital Health Nordic 2018 | 13 – 14 February 2018​ Kattilahalli I Helsinki

Internet of Things 2018 | 17 – 18 April 2018​ ​Kattilahalli I Helsinki

October 2017 – January 2018 BUSINESS CLASS 37

38 BUSINESS CLASS October 2017 – January 2018

More than meets the eye In answer to modern work space demands, Business Meeting Park Ltd. has created an unique ”Safe Haven for Businesses” in the Finnish capital In today’s business world, an office full of desks, chairs and computers is no longer enough for a happy workforce. Workspaces have to be secure, flexible and all-inclusive, incorporating office space with meeting rooms, postal services and catering.

Absolutely everything is taken care of so there’s no need to bring hefty equipment or worry about not having something to hand. As a result, Meeting Park has become the go-to destination for international customers visiting Finland on business.

Business Meeting Park Ltd. in Helsinki offers just that; an all inclusive confidential business centre, that is open by demand around the clock, 24/7. It’s the largest private business centre and office park in Finland, offering more than 110 different meeting and conference rooms, VIP lounges, and co-working and office spaces for temporary or long-term use. It includes all the traditional business centre services too, such as video conferencing, recording and streaming facilities, a mailing service and full catering.

Business Meeting Park is conveniently located in the heart of Helsinki, inside the FORUM shopping centre, where you can find over 140 stores and restaurants, including the finest shops like Marimekko, Victoria's Secret, MoominShop, Pentik, Lindex, KappAhl, H&M and Mango. Forum has been chosen as the Best Nordic Shopping Center in 2017 by Nordic Council of Shopping Centers (NCSC).

“I compare our business to a hotel concierge because we provide such a high level of service and countless facilities. After all, we are not just providing an office or meeting space, we are wide-ranging business park that caters to everything the modern worker could need. We offer a safe haven for businesses” says Dr Jani Kaarlejärvi, executive vice president and co-founder of Meeting Park. He’s not wrong. Services even extend to travel and business arrangements, match-making, technology partner scouting, real-estate agent services, and arbitration facilities, which are widely used due to Business Meeting Park’s very unique confidentiality policy.

With all this to offer, it’s little surprise that Business Meeting Park has more than 1,100 business clients from all around the world. Having seen such success in Helsinki, it is now looking to expand to new locations and work with partners in other cities across the Nordics.

Dr Jani Kaarlejärvi is the executive vice president and co-founder of Business Meeting Park Ltd. +358 (0)10 5011 501

October 2017 – January 2018 BUSINESS CLASS 39





Around Helsinki-Vantaa Airport, the most significant urban airport area in the Nordic countries is under development, and its reputation and profile will be further enhanced by the global multipurpose center for the entertainment and media industries, Aviapolis Studios, which is currently under planning.


T “The size and facilities of Aviapolis Studios allows TV-networks and production companies to better utilize big television format phenomenas for commercial gain,” Mikko Leppilampi explains. “One simple example is by allowing live audience to buy tickets for the live-event tv-shows they love.”


he aim is to build the most modern entertainment and media concentration in the world in the most significant international airport area in the Nordic countries. At the center of Aviapolis Studios Media & Entertainment Hub, which covers a total of 65000 square meters of floor area, lies a worldclass 5000-square-meter multipurpose and modifiable production and event venue. “The venue, which accommodates 3000–5000 persons, can host entertainment, music and gaming industry productions and tournaments and other events, such as big-scale live television broadcasts, concerts, conferences and trade fairs,” says Mikko Leppilampi, who is in charge of the project concept and chairman of the board of Aviapolis Studios Oy. “This also allows international television, film and gaming industry productions to be carried out in Finland.” ENCOUNTERS GIVE BIRTH TO

going Slush”, where actors from various industries can meet daily, creating synergies and new innovations. “The importance of live events and conferences is continually growing. We need events where people and industries meet, innovate and cross-pollinate. Since time is precious, venues allow for a smooth transfer and versatile ecosystem with the necessary services,” Leppilampi says. “The most significant airport hub in the Nordic region needs a world-class venue of its own. That is what Aviapolis Studios is.” INFLUX OF PEOPLE, EVENTS AND SERVICES

José Valanta, Director of Business Development in the City of Vantaa, and Juha Jaakola, Director of Sales & Project Development at LAK Real Estate Oyj, also see Aviapolis Studios as a significant profile project. “When it materializes, it will bring an influx of people, events and services and strengthen the renown of Aviapolis as a metropolitan town that is alive around the clock.”


According to Leppilampi, the aim of Aviapolis Studios is to be a kind of “on40 BUSINESS CLASS October 2017 – January 2018

The Finnish way of THINKING. CREATING. EXECUTING. For hundreds more years to come. October 2017 – January 2018 BUSINESS CLASS 41

Jarno Tuimala and Jaana Lehto share Kiinko’s view from the top: cultivating knowledge to the field is essential.


COME TOGETHER Let’s start at the beginning. Since 1978, Kiinko Real Estate Education has been offering top quality education programs and courses for Finnish real estate and construction professionals. TEXT KATI KETURI


n our field, the only constant thing is change. New ways of working are emerging because of digitalisation and internalisation – the way we educate must reflect this”, says Kiinko’s CEO Jarno Tuimala. Kiinko offers further adult education and training in asset, property and facilities management, business and maintenance. “It’s essential to keep updating one’s education. Our students have typically a lot of practical experience from the field. This adds depth to the discussions”, comments Kiinko’s Principal and Development director Jaana Lehto.

42 BUSINESS CLASS October 2017 – January 2018



As the sole further education provider specialising in real estate education, Kiinko’s view of the field is exceptional. Through its owners, Finland’s main real estate associations, Kiinko has close ties with the Finnish real estate and construction business. It also works constantly to strengthen its partnerships. Courses are taught by seasoned professionals. “Our network of expert speakers includes university professors, consults and lawyers. Their vast expertise is one of the most valued things among our students. We’re very proud of our role as the pro-

vider of the most up-to-date information in the field. With 40 years of knowledge under our belts, we want to be the first choice for improving real estate and property management skills”, says Tuimala. A GROUNDBREAKING EMBA

In 2016, Kiinko launched a new Executive Master of Business Administration (EMBA), Real Estate and Construction. It’s the only one of its kind in Finland, done in co-operation with the University of Tampere. It brings industry leaders and real estate professionals together to explore real-world scenarios, best practices and effective leadership techniques. The


groundbreaking program is designed for executives and senior managers with substantial long-term experience in real estate and construction organisations such as managing directors, real estate and project directors. Chief architects and real estate development managers also benefit from it. EMBA programs last 2-3 years and degrees can be completed while continuing to work. All courses are taught mostly in Finnish. “It’s a specialised EMBA program, covering three areas: real estate business and strategic thinking, organisational and people leadership skills, as well as personal and individual leadership skills. The University of Tampere had experience in specialised MBA programs, so we got off on a very good foot quickly. We have

”We want to be the first choice for real estate and property management education” a shared vision of what we want this program to be”, enthuses Tuimala. Lehto is excited about the first EMBA program, which is now in full swing. The second course is currently available for applying. “The first one has been up and running for a year. We update the content according to trends and feedback from students. Before the same module is taught again, two years pass – it’s crucial to keep revamping, instead of teaching the same content. Study modules we’ve set in place push the group forward at a steady pace and cohesively. Interaction and networking are crucial paths to a completed degree.” TO ADAPT IS TO SURVIVE

In addition to developing real estate education, Kiinko is heavily invested in research and participates in international development projects. “We allow research grants, as well as cultivate information ourselves. We wish to increase the general knowledge in our field”, explains Lehto. To come full circle, we must return to the beginning: the challenges of an ever-changing field. Tuimala sees opportunities in this.

“Without constantly reacting to the changes, you simply can’t survive. We’re proud of our capability to adapt quickly. We want Kiinko to be modern. The new networks, alliances and ecosystems are what can change the industry. New ways of sharing information, working and business models are emerging. Our focus shifts with the times. We want to broaden the subjects we educate on, as well as the ways in which we educate. And in order to change the way people work, time must be allowed. Because it is a process.” Much like the learning process itself.

Kiinko Real Estate Education Est. 1978 Employees: 35 people, as well as 400 experts in a network Offers innovative training activities under six thematic real estate education areas: 1. 2. 3. 4. 5. 6.

Real estate business, asset, property and facilities management & leaderships Building owners and construction clients Real Estate agent Accounting and controller Property management  incl. infrastructure, housing, commercial buildings Construction project management, maintenance, repairs, renovation and energy efficiency related projects October 2017 – January 2018 BUSINESS CLASS 43





here are very diverging views on management and the role of the superior. We at Educo Valmennustalo have observed that in companies and even among professionals in management training there is often the thought that a superior’s most important task is to motivate subordinates and that the superior bears the responsibility for the motivation of the employees. We think this is an incorrect assumption, because we can motivate ourselves, but we cannot motivate others – that is an impossible task. What, then, is the role of the superior? To ensure that the elements that influence employee motivation are in order. One of the most important motivation factors is the goal. The feeling of having accomplished something is an important motivator for everybody. Correct goals are an important management tool. It is hard to hit the bull’s-eye, even with a good dart, if you don’t have a dartboard. Too often the goals are not very clear. Alongside goals, credit for achievement is also needed. This means a culture of active feedback from superiors to subordinates,

THE SUPERIOR’S MEMO BOARD Do not lead things or results. Lead yourself and activities – lead people! In order to succeed you need good interaction and emotional skills and to adopt the right role as a superior.

44 BUSINESS CLASS October 2017 – January 2018


from subordinates to superiors and from one employee to another. This ensures that the right things are being done, and it then becomes clear to everybody what is most important and where results come from. LEAD PEOPLE’S THINKING

People often also think that there is only one correct way to lead everyone. This does not work in practice, though, since people should be led according to the situation and individual needs. We also believe that if you want to achieve a real change in people’s activities in an organization, you should direct people’s thinking. However, this cannot be managed using budgets or numbers, but by directing management towards ensuring the right kind of thinking from the point of view of the organization’s goals. The right kind of thinking and the right attitude ensures the right kind of action and thus the right results. Thinking is most efficiently directed by means of company values. They create the ground rules and frames for all activities and the entire organizational culture.


The matter is not quite that simple, though, since management skills and practices in an organization must be at a good enough level in the first place to allow for the emergence of a systematic management culture that still nurtures individual needs and motivational factors, and considers different situations. That is why we at Educo Valmennustalo believe that we do not just offer Band-Aids for the challenges of leading an organization, but instead, we believe that our task is to unearth the underlying reasons for the challenges and to identify the obstacles to change in solving the challenges. Only then do we think about which kind of solution we can use in order to find the best results with our customer. Ask us about more! Educo Valmennustalo Oy,, 02 2828 511 or

The expert perspective: CEO Janne Annunen, Educo Valmennustalo Oy


”JAMK has a long history with technology and innovation pilots and startups. Through us, they receive assistance in organizing themselves and commercializing products, in networking, developing sales channels and contacts, as well as knowledge of global markets and cultures”, says Matti Hirsilä. Timo Juntunen on the right.


INTERNATIONAL COMPETITIVENESS THROUGH COMPETENCE DEVELOPMENT JAMK University of Applied Sciences in Jyväskylä is an internationally renowned developer of professional competence that works together with companies and organizations both in Finland and abroad. JAMK’s audited and customer-tailored training and development services enhance the competitiveness of companies and public organisations both at home and globally.


n cooperation with national and international network/partners, JAMK offers competence-oriented education for companies and organisations and their customers.

”International students help companies become international” “We offer Bachelor’s and Master’s degree programmes both in Finland and abroad. In addition, we can help technology companies train their customers in situations where, after operational training, the customer wants more in-depth


education,” says JAMK’s Head of Global Education Services, Timo Juntunen. AN ACKNOWLEDGED EDUCATION PARTNER

Through its international degree programmes, JAMK trains competent and multilingual students in logistics, nursing and international business. Madeto-order degree programmes are also available in English in cyber security, programming, information network technologies and health promotion. “We have tens of degree and exchange students from India, China and Russia, among others,” explains Education Manager Matti Hirsilä, who heads the International Business degree programme.

JAMK’s degree programmes are internationally recognized and accredited. JAMK’s International Business degree programme received its first international EPAS accreditation in Europe in 2012 and Logistics Engineering was awarded EUR-ACE accreditation in 2014. JAMK also has fifty years’ experience in vocational teacher education and teacher training in around 20 countries. “Training teachers in modern pedagogical methods is an efficient means of improving quality of learning and working life cooperation,” Juntunen says. global-education-services/ October 2017 – January 2018 BUSINESS CLASS 45



Rovaniemi-based ILAHU Snowsurfboards are designed and made to be at home on Lapland’s fells. The company behind ILAHU, Treeform, received the Arctic Design Company of the Year prize in 2016. Treeform was founded by Jan Leutola and Maxim Narbough who were inspired by the arctic nature to hand-create the ecologic snowboard. | |



THE ARCTIC DESIGN CAPITAL With the temperature well below zero, the landscape covered with snow, and the night sky lit up with the Aurora Borealis, Rovaniemi is the perfect platform for Arctic design. Panu Vapaavalta, CEO of Amandan Healthcare Ltd



hat is ‘Arctic design’ and why is Rovaniemi called the Arctic Design Capital? ‘The Arctic design perspective combines the demands of Arctic conditions, top research and training in the field, creative industry expertise, and Northern culture,” says Tuula Rintala-Gardin from the city of Rovaniemi. Arctic know-how draws on traditional materials in Rovaniemi. “In addition to spectacular snow and ice constructions, we have a long tradition of manufacturing products from Lappish wood, reindeer skin and bone, as well as from Lapland gold. Northern touch is often associated with coldness, but it also means good quality, cool and fresh design. Northern colour palette covers moments of blue twilight in winter, golden midnight sun in summer and all the shades of dancing Northern lights. Arctic also combines the right know-how with the right design.” The companies of the region often take advantage of their Arctic background and 46 BUSINESS CLASS October 2017 – January 2018

design, as do events like the Arctic Design Week. “Every year we award the prize for Arctic Design Company of the Year. Through the award, the city of Rova-niemi and Rovaniemi Development Ltd want to display the company that has boldly used design in their operations and embraced Arctic into their business.” IN THE HEART OF THE COLD

This year, the prize was awarded to Amandan Healthcare Ltd. The company developed a cold therapy device that offers the opportunity to enjoy a cold treatment, corresponding to ice swimming, in your own home year-round. “Cold is our natural element. We are familiar with its benefits and we know what can be achieved with the controlled use of cold. I think the effects of cold treatment belong to everyone and we believe this treatment can improve the well-being of millions of people,” said CEO Panu Vapaavalta. The Northern dimension provides a space for innovation. “Creativity arises, in my opinion, from the silence and the fact that we have room to breathe in Ro-

vaniemi. When you go skiing right from your own backyard – in this spectacular scenery, your soul is given a chance to rest and you find the opportunity to create something new. We feel that this is one of the few places on the globe where mind is free from all the noise and hectic pace of the world. This is exactly why I think Rovaniemi is the natural environment to create new Arctic design,” Vapaavalta states.

The City of Rovaniemi registered Arctic Design Capital trademark in 2015. The trademark signifies the central role of Rovaniemi as an Arctic Design Capital in co-operation with the enterprises of the region and the Arctic Centre and Faculty of Art and Design at the University of Lapland. Arctic Design Week 10th Anniversary 19th – 25th of February 2018

See more at



VILLAGE ON THE SHORE OF THE BOTHNIAN BAY What could be nicer than kicking off your shoes in the entrance of a high-class villa, sitting down on the sofa, and kicking off a brainstorming discussion, with a view of the sea just outside the window?


his is possible all year round at Nallikari Holiday Village, which offers a breathtaking setting for meetings next to the open Bothnian Bay just a stone’s throw from the center of Oulu. Accommodation and meetings in high-class villas At the Nallikari Holiday Village, you can find many good options for business meetings or accommodation all year round. And what’s more, the accommodation is situated only walking distance from the seashore. The newest addition to the complex is the Poiju Villa area, completed in 2016 and comprising 24 high-quality villas. “The look and level of equipment in the villas is modern and fresh, and in practice they are like small family houses,” says CEO Sirpa Walter. Every villa has a kitchen, dining area, sauna, two bedrooms, a spacious kitchen-living room, open fireplace and a terrace. Some of


the villas are semi-detached, and two of them can be combined to accommodate up to 8 + 4 persons. The biggest of the villas, Villa Kippari, is, according to Walter, also perfectly suited for meetings and parties. “We also let out Villa Kippari for meetings for a day rate without accommodation. In between, you can drop in for lunch or dinner at the beach restaurant or for a cup of coffee at the Holiday Village restaurant.” NATURE IS PRESENT IN EVERY SEASON

Poiju Villas are modern, archipelago-style buildings with large windows that bring nature directly inside. In the summer, the sun caresses; when autumn arrives, the fall colors enthrall, and in winter visitors can marvel at the blue moments and the freezing sea. The surrounding nature offers an inspiring environment in which to meet guests in any season.


In Nallikari, the great outdoors begin on your doorstep. “Our location, close to nature, allows a variety of activities all year round. Guests can rent bikes, cross-country skis, snowshoes and kick sledges from the reception. We also work with activity organizers to put together tailor-made programs and activity packages.” The Bothnian Bay and the archipelago are elements that enchant foreign visitors in particular. Even in spring, skiers and wind sport enthusiasts can enjoy themselves on the ice. With the onset of fall, nature trails, bird-watching towers and campfires become keen sources of interest. Nallikari’s location is, in a word, unique. Nallikari is an island situated just three kilometers from the Central Marketplace in Oulu, along scenic routes through the islands off the coast of the city. Addition information and bookings

Poiju Villa interior

The villas are fresh and modern

October 2017 – January 2018 BUSINESS CLASS 47


In Taikatahti’s small groups they discuss and listen to everybody equally. As everybody knows each other, there is also no bullying.

TAIKATAHTI (THE MAGIC BEAT) TEACHES FOR LIFE, NOT SCHOOL In an era when technology and individual freedom are idealized, small-scale, functional and communal early childhood education and primary education have risen in value.


n the Oulu-based Taikatahti music kindergarten, with plans to expand to Southern Finland, and in its Taikatahti school, which works along home schooling principles, the Reggio Emilia pedagogical theory has been followed since 1998 for childhood education and pre-school education, and the Finnish primary education plan for primary education since 2010. The pedagogic philosophy of Taikatahti is based upon Reggio Emilia pedagogy, at the core of which are inclusion, responsibility, community, friendship, trust, and taking care of each other. Students try to accept everybody for him/herself, respecting differences. At Taikatahti, learning takes places using thematic content units, using functional study, small group and project work methods. Taikatahti’s CEO and pedagogical director, Liisa Lohilahti, talks about a pedagogy of the future and of love, which can easily be applied to working life as well. 48 BUSINESS CLASS October 2017 – January 2018


“The aim is a dialogue between the individual and society. Through discussions, we can reach our common goals and learn to respect each other. This is just as important as the knowledge and creative skills of an individual.” UTILIZING MULTIPLE SENSES SIMPLIFIES AND DEEPENS LEARNING

The Reggio Emilia pedagogical philosophy is also based on the fact that brains learn best by utilizing multiple senses in learning situations. “In this way, sensory networks are activated and the things you learn are transferred faster to long-term memory. A fast learner advances further and deeper in his/her learning, and a learner who needs support gets help in assimilating what he/she learns,” explains Lohilahti. “At Taikatahti, we build up thematic study programs around the school subjects. In the programs, we make use of the pupils’ objects of interest in order to

increase motivation. In a learning situation, we can for instance go study nature in autumn. For the nature tour in question, a student can add a study unit from the mathematics, mother tongue, music, physical education, and environment content areas.” Early childhood education, pre-school education, and primary education using Reggio Emilia pedagogy,


RETIREMENT IS A TIME FOR INFLUENCE Finns who are of retirement age are healthier and more active than before. They also have a great deal of high-level competence and are more affluent than earlier generations. This all allows pensioners to participate actively in the development of society and in buying services that improve the quality of life. TEXT MAIJA-LIISA SAKSA


n average, Finns retire just after the age of 61. Due to longer lifespans, one fifth of the population has already turned 65, and by 2030 that number will have reached a quarter. These individuals, totaling nearly one million people, are a great national resource, and a significant number of them still want to feel that they can be of some use.

”Among older people, there are many who have no networks and experience loneliness”

“Different kinds of non-governmental organizations offer a variety of services and opportunities that active pensioners can participate in,” says Satu Helin.

The Finnish Association for the Welfare of Older People is a nationwide old-age policy organization promoting the welfare and social protection of the older population. It has 340 member organizations, of which 200 provide support services for the wellbeing of older people, including housing, rehabilitation, and home care services, among others. In addition, the association provides free home repair advice for people over 65 years of age , as well as a variety of voluntary activities. The Finnish Association for the Welfare of Older People also adopts positions on and represents older people in the preparation of both legislation and recommendations.

“According to a study conducted a few years ago, one third of people of retirement age are active in volunteer organizations. We hope that the number of volunteers will rise, especially for activities that benefit (the elderly) older persons. It is gratifying to see that young pensioners are ready among other things to help guide older people in learning IT, either directly in their intimate circles or through organizations that use VTKL’s ready-made materials,” explains the Executive Director of The Finnish Association for the Welfare of Older People’s, Satu Helin. She notes that public funding does not cover everything and that there is a need for volunteers. Among older people, there are, however, also many who have no networks and experience loneliness. “This can be distressing and can negatively affect health. We have, in fact, invested a lot in Circle of Friends Activities, and we train both trainers and circle leaders all around Finland,” Helin says. A TIME TO MAKE PLANS

By retirement age at the latest, the realization that infirmity and health problems are increasing amongst loved ones will hit. Anybody can fall ill or be involved in an accident. It would indeed be good to think about suitable housing before mobility becomes problematic. It would also pay to talk with loved ones openly and timeously about issues such as guardianship and medical directives, where things that matter can be decided so that you are treated as you want to be when you cannot make these decisions yourself. October 2017 – January 2018 BUSINESS CLASS 49


Vladimir Olechshenko, KaukoInternational Central Asia Chief Executive Officer, and the Vice-Minister of Energy of Kazakhstan, Gani Sadibekov, on the right signing the MOU for Green Technology Transfer Center.


Niiles Airola, CEO of KaukoInternational

IS FINNISH COMPANIES’ BRIDGE TO KAZAKHSTAN Through KazFin Green Technology Transfer Center, Finnish companies have the unique opportunity of helping Kazakhstan become one of the green technology tech leaders of the world. KaukoInternational is the driver and bridge-builder in this process. TEXT MIA HEISKANEN


n the wake of the recent Expo 2017 Astana, KaukoInternational CEO Niiles Airola reminds us of Kazakhstan’s market potential for Finnish companies. “Expo 2017 was very significant for Finland, as it opened up relations between Finland and Kazakhstan in a completely new way, with President Niinistö honouring the Finnish Day with his presence and several Finnish ministers visiting and forging relations on site. This creates a good basis for Finnish-Kazakh cooperation, as Finnish green-tech know-how has a lot to offer the Kazakh and Central Asian markets.” Kazakhstan is the dominant nation of Central Asia economically, generating 60% of the region’s GDP, primarily through its oil and gas industry. “Kazakhstan is the former bread basket of Russia, with mineral-rich soil and enormous oil and gas reserves. It is even said that the Finns originated at the southern end of the Urals, which is in modern-day Kazakhstan. So it could be that our relations have a deeper connection, one that points to being related.” 50 BUSINESS CLASS October 2017 – January 2018


KaukoInternational has been present locally in Kazakhstan for a long time. “We have done work over a long period that is now bearing fruit, thanks to our local staff. One of our main tasks is to help companies to new markets. We offer a wide range of services from networking support to assistance in financial issues. In projects we combine local know-how and key component export to ensure competitiveness in local markets and in key markets. We have a big water recycling project in Kazakhstan at the moment, one we have assigned Finnish players to.” GREEN TECHNOLOGY TRANSFER

Finnish know-how and technology. The platform will bring together green technology partners, companies and state authorities to work towards greener and cleaner Kazakhstan and the whole Central Asia region. The areas of interest lie in water treatment, waste-to-energy and sludge treatment solution first and foremost, but will stretch to other areas in green technology field as well,” Niiles says. “It´s a great opportunity for Finnish Green Tech companies as the Kazakh state is very keen on utilizing Finnish expertise and know-how on the green technologies, such as waste processing, and especially the expertise of KaukoInternational as a project driver,” says Vladimir Olechshenko, KaukoInternational Central Asia Chief Executive Officer.


Now KaukoInternational is pleased to announce that it is an official partner with Kazakhstan State for green technologies Transfer. “The KazFin Green Technology Transfer Center is a commercial platform for building and executing green projects in Kazakhstan which bases in high level

Interested in finding out more? See Contact: Niiles Airola Vladimir Olechshenko











KOUVOLA’S RRT PROJECT ALLOWS THE FASTEST NORTHERN EUROPE-ASIA RAIL FREIGHT CONNECTION Kouvola, the biggest railroad logistics center in Finland and the best in Northern Europe, is strengthening its position as a traffic hub for Europe and Asia through the Rail Road Terminal (RRT) project. At the core of the project lies the transport corridor between Northern Europe and Asia, which offers rail freights the shortest and fastest connection between Europe and Asia.


hanks to the transport corridor, it is possible to get from Xi’an in Central China to Kouvola in about ten days, changing the competitive situation on the world market for industries that require fast goods deliveries. There is only one change of gauge along the route and trains arrive in one piece in Kouvola, saving time. “Finnish companies previously sent containers via Hamburg to the East, so the new connection will now cut the distance to Asia like Finnair does in passenger transport,” explains Simo Päivinen, Development Director at Kouvola Innovation Oy.


different loading tracks. The area offers everybody open, independent, equal and non-discriminatory open-access services according to the single-window concept. These will be realized through the City of Kouvola’s versatile supply of lots in the midst of excellent transport connections.

”The new transport corridor will cut the freight distance to Asia according to the same principles as Finnair does in passenger transport.”

ing on the region,” says Petteri Portaankorva, Development Director of the City of Kouvola. “We try to offer all companies that settle here all the services they need via one contact person,” promises Simo Päivinen.

In a comparison between European logistics centers in 2015, Kouvola was ranked number one in the Nordic Countries and the Baltic States and number 32 in the whole of Europe. 300 logistics centers from 30 European countries were included in the comparison. Kouvola also has the only European core network (TEN-T) railroad terminal in Finland.


The RRT project includes an intermodal terminal planned for trains up to 1 100 meters long next to logisticsbased areas reserved for small-scale industry, trade, and services, where cargo changes mode of transport without the need to split up trains for

“We act as a hub, especially for companies that are engaged in Asian import and export. We also offer a competitive location for further processing and warehousing, which receive synergies from the 200 other companies operatOctober 2017 – January 2018 BUSINESS CLASS 51



THE PROPERTY INVESTMENT MARKET Real estate investment company Investors House Oyj, which is listed on the main list of NASDAQ OMX Helsinki, strives to give its shareholders at least a 10 percent total annual return through its own direct investments and management services including fractional ownership. In the next few years, the company will increase its investments in the housing sector, which is strengthening along with urbanization. TEXT EILA LOKKA


he target return of capital for shareholders consists of the growth of the invested assets and the dividend yield. “We aim at dividend income by continually improving operating results and increasing invested assets through measures that develop real estate value,” explains Petri Roininen, CEO of Investors House. After reviewing the company strategy, over the last three years the annual target has been exceeded each year. This success has been due to a versatile revenue base, efficient rental, general cost efficiency and successful investments. “We realize that previous success is no guarantee for the future. That is why we continually work with the next returns-generating projects,” he promises.

”We have demonstrably been able to generate higher total returns than the market for our shareholders.” OWNERSHIP CALLS FOR PERSEVERANCE AND COMMITMENT

Urbanization is a megatrend that shapes markets. “People move into growth areas. Demographics change faster than building stock, which creates a need for new dwellings and for higher quality homes,” summarizes Roininen. He warns that in a low-interest environment, the pursuit of growth at the expense of profitability should be avoided. Real estate investment is a long-term activity, where the investments should withstand time and various conditions, he notes. In financial and ownership terms, the executive directors and board members of Investors House have committed themselves exceptionally strongly to the company. Management and shareholders have shared interests through their shared ownership. 52 BUSINESS CLASS October 2017 – January 2018

”We pursue yield for the shareholders, but we are aware of the dangers when taking risks. Thanks to common incentives, i.e. opportunities and risks, the interests of the owners and the management are genuinely the same,” says Petri Roininen.

Investors House owns real estate in Finnish university towns and provincial centers. has activities in Estonia too through management services. aims to improve its results significantly in the next few years and increase its investments by placing emphasis on the housing sector in its new investments.


Juhana and Päivi at a terrace meeting. In Finland, you can extend the summer using glazing.

CREATING A TRANSPARENT WORLD Make your dreams of modern natural living and enjoying scenic landscapes come true with CoverGlobal Ltd. Using glazing solutions, you can create a unique feeling of space and coziness in your home, enjoying your newfound comfort in the company of family and friends.


s autumn approaches and the days get cooler, it’s time to enjoy the colorful scenery on an enclosed terrace or balcony, where a frameless glazing system can offer an unobstructed view over a courtyard, out to sea, or across a mountain range. The possibilities for using the innovative balcony and terrace solutions developed by Cover-Global vary widely according to the climate, construction culture and consumption habits of the object. “In Finland, you can extend the summer using glazing. In the southern states of the USA, glass walls which can open fully and that substitute outer walls and guarantee a complete panorama view all year round are becoming more and more popular,” says CoverGlobal’s Development Director, Juhana Berner. Besides the USA, the market is now growing most quickly in Russia and France. One forerunner in glass construction is Switzerland, where partner company SIO AG has branded itself with Cover products through more than 20 years of collaboration. SIO AG ( is today one of the leading players in the Swiss market.



The success of CoverGlobal is based upon a patented idea of a glazing system with horizontal running gear that can slide over various angles without a frame – something that the founder of the company, Jarmo Sjöholm, developed in his garage in 1991. Today, retailers around the world sell products incorporating this innovation. “My husband Jarmo had a great vision of the unique product that is still the core of our business activities. His legacy has given us the drive and determination to pursue the message of our company. Like the durability of our products, long-term cooperation and partner relations are a part of our values. It is important for us that our partners know the origin of our products and can depend on their quality and safety under any condition,” says CEO Päivi Rajamäki.

Bay-view in San Diego

CoverGlobal is participating in Batimat 2017, a major construction business event that will be held in Paris on November 6th – 10th.

Mountain-view in Nevada

COVERGLOBAL is the original developer of the COVER glazing system and a pioneer in the balcony glazing industry. The company is building a global network together with local partners, offering tools to support their business activities. The company employs 10 people and has an annual turnover of €2.5m.

October 2017 – January 2018 BUSINESS CLASS 53


TAKE A LOOK AT MIKKELI With a deft touch and by listening to the customer, Serviini -Restaurants, in the heart of Savonia, can conjure up any type of setting in the spectacular Mikaeli Concert and Congress House, which facilities can be adapted to events of any size.


erviini, established in 2015, is a privately owned restaurant business in Mikkeli, and currently operates four restaurants and catering. “Serviini is run by the owners, two chefs and one restaurant manager, i.e. Messrs Timo Hyöppinen and Henrik Rajamäki, as well as me. Our main thing is to serve the customers with a brisk touch, a positive frame of mind and solid workmanship. In our restaurants and catering, we use both typical local produce from the Saimaa region and Mediterranean delicacies, or whatever our customers want us to do for their events,” explains entrepreneur Mikko Ranta. Ranta stresses that Serviini is a flexible local company that operates by listening to the customer. “The most important 54 BUSINESS CLASS October 2017 – January 2018


things in customer service are straightforwardness and individuality, regardless of the kind of occasion or celebration.” At the moment, there are 20 Serviinians taking care of the customers.

named August in the historical garrison area in Mikkeli. August will have 60 seats and what it will offer represents classic gastronomy with French nuances.” MIKAELI OFFERS VERSATILE



Even Serviini’s restaurants are individuals. “Each one of our restaurants has its own unique concept. Restaurant Pitopata is a lunch and banqueting restaurant in the old and still active military area of the Savonian Brigade. Restaurant Vino is an easygoing dining restaurant in the centre of Mikkeli. Vino was born out of the owners’ passion for Mediterranean gastronomy, which is close to our hearts with regard to both food and wines. In October, we will open a new restaurant

In a league that is quite its own is also the Mikaeli Concert and Congress House, on the shore of the scenic Pankalampi lake. Mikaeli’s versatile and atmospheric facilities can also be adapted for various events. “Each year, the building hosts concerts and conferences, smaller meetings and festive occasions,” states Mikkelin Mikaeli’s Managing Director Miia Korja. She goes on: “If you like, you can use the concerts that are hosted in Mikaeli as a nice supplementary program


on a meeting day.” Ranta adds, “We also arrange an event called Makujen Mikaeli (The Tastes of Mikaeli) ourselves each spring, which is built around wine and food. It is a mini fair for diners, where there are themed tastings, lectures and dinner,” Ranta hints. Mikaeli is a fantastic masterpiece of Finnish architecture, with a spectacular frame. “It may even give the wrong impression, since in reality, Mikaeli’s bright premises offer an excellent venue for smaller-scale events too. It is always worth asking, because you may be surprised by the options Mikaeli can offer!” Event catering is handled by Serviini. “We have ready-made conference packages and menu suggestions, but Serviini’s professional service means you can always plan your catering according to the event and your wishes as the customer. That may mean, say local meals made using local food from local producers,” adds Korja. NATURE AND FREE PARKING AS BONUS

Korja brings up Mikaeli’s location on the shore of the beautiful Lake Pankalampi. “The surroundings of the lake have undergone a facelift, so a beautiful landscape is laid out through the windows

The smiling entrepeneurs of Serviini, Timo, Henrik and Mikko at Restaurant Vino.

in every season. If you want, you can also extend your events out onto the terrace or into the grounds. Getting here is also easy, because we have free parking for 167 cars and we are only one kilometer away from the center of Mikkeli.” Would you like an easy, well-run, high-quality event in the heart of Savonia? Contact or October 2017 – January 2018 BUSINESS CLASS 55


VALOA DESIGN BRINGS LIGHT INTO DARKNESS Lighting is a visual experience, an adaptable appearance through which you can create various ambiances in spaces and buildings. A building can also be an image-evoking media surface. Life can truly be brighter, as lighting design agency Valoa Design knows. TEXT MIA HEISKANEN


or 20 years now, Valoa Design has created more comfortable everyday experiences by means of light. “We design lighting solutions for façades, commercial premises, shopping centers, hotels, parks, city centres and other urban spaces. With lighting, it is possible to influence how people experience the environment during the dark season," says lighting designer MA Roope Siiroinen.

“Our motto is that lighting is created for seeing and to be seen”


The lighting industry has changed enormously, and so is our way to experience lighting. Today, by modifying lighting


you can create various ambiances and or practical situations in spaces and buildings, out of which an all-embracing experience is born. User experience is the core of modern lighting design. “We no longer talk about lamps, but signals, communications and the ways in which we experience our environments. It’s a whole psychological entirety and task of light is to help people look and feel it better”, Siiroinen explains. Modern lighting, LED – technology and control systems, means also savings for the energy and service costs.

Hotel Torni in Tampere


"Even in every kind of space, heritage or commercial environment, the visual experience can be modified helping people experience lighting as an everyday luxury," Siiroinen adds. A good example is Hotel Torni in Tampere. The light installation on its façade consists of a media surface at the top of the hotel and an illuminated

Wuxi Grand Opera in China

bevel in the façade of the building, both of which change according to the time of day and year, mornings, evenings, weekends and special happenings. "This means endless face lift and communication between people and building."

A simple journey into the world of lighting A successful outcome calls for seeing the entirety and for supervision from the idea’s inception to implementation. That is something we at Valoa have mastered. We have boldness and an understanding of individual ideas, as well as the technical skills needed to complete the projects. For the client, this means simplicity, clarity, and reliability. With Valoa, you know where the journey leads, because we move forward one step at a time, from the concept to technical implementation planning, towards implementation of the lighting solution.

56 BUSINESS CLASS October 2017 – January 2018

BUSINESS NEWS Erkki Tala, Specsavers’ Country Director for Finland

BETTER EYE HEALTH FOR EVERYONE As the population ages and an increasing number of people suffer from eye conditions, there is demand for a company that can provide comprehensive help to all customers. Specsavers is the world’s largest privately owned corporate group in the optical field. The company’s customer-oriented approach and the spirit of entrepreneurship have made it the leader in its field.


pecsavers wants to be the industry leader. The operation model of locallyrun businesses supported by a global company enables the efficient development and implementation of new ideas. “Our field is going through a change, and we have a clear understanding of the future challenges. We believe that optical stores will play an even bigger role in the eye health care for people in the future. Because of our extensive service network and market position, we are a major player in this change,” says Erkki Tala, Specsavers’ Country Manager for Finland.

The Specsavers stores are managed by an optical partner and a retail partner who are shareholders of their own business. Opticians are responsible for operations related to eye health, whereas the retail partners handle other business operations. With such complementing skills, stores can serve customers even better.

”For us, the relationships with customers and shop owners are the core of our business.”

Digitalisation will change the role of optical stores, as there will be increasing customer demand for services that are not tied to a specific location. “In the future, vision examinations and reception activities can be carried out on digital platforms and online,” says Tala. Even with the changes in business and society, values are maintained. The val-

ues of Specsavers have not changed significantly since the 1980s. All issues are genuinely considered from the perspective of customers and the store owners. Services for consumers must always be affordable, available and of high quality. “Our company is strongly driven by its values. For us, the relationships with customers and retail partners are the core of our business. In addition, we understand our position on a larger scale and cooperate extensively with local communities. Furthermore, charity work is a significant part of our activities tied to the company values.”

Interested in becoming a Specsavers store partner? Do you want to challenge yourself? Do you crave for success? Why not become a part of our Specsavers team? Visit our site and see what opportunities are available for you. More information on Specsavers:

October 2017 – January 2018 BUSINESS CLASS 57

Alf Rehn by Henry Harrison




n business, vanity projects have a bad reputation. They’re often thought of as the result of a narcissistic leadership culture, as creations of CEOs with delusions of grandeur, not to mention as follies and wastes of money. And yet, I wish to praise them. This, as the vanity project can be both a strategic initiative and a powerful icon in an organizational culture. Whilst we usually think of them as being connected with the ego of top management, consider the impact that the truly daring gamble, the deployment of a highly forward-thinking project, or an avantgarde new building can have an organization. Whilst easy to disparage as examples of corporate hubris, when well executed these can be energizing symbols for the organization, something to gather around with pride. Far too often I come up against situations where companies cut out ambitious projects,

58 BUSINESS CLASS October 2017 – January 2018

simply because they’re afraid to seem too driven by ego and image. To them, I’ve always said the same thing: The most damaging thing for a company is not to have tried something ambitious and failed, but rather that one never ends up doing anything ambitious at all. Consider, for instance, Petter Stordalen, that most productively vain Norwegian hotel billionaire. His every hotel is a vanity project, his every opening a spectacle. And the result? Total media domination, and employees who show great pride in their company – and their leader. So go forth, and seek strength in vanity! Create something that makes you massively proud, no matter if it is perfectly aligned with your business or not. Let others join you, celebrating your insanely great thing, and enjoy having done something that matters. Be a show-off, and take pride in how this is far better than being a no-show...


GLYCOL SMELL KEPT IN CHECK WITH EFFE® TREATMENT Airlines spray their aircraft with glycol in order to prevent ice from building up. During takeoff, excess liquid drains into the environment around the airport, and then further leaks into streams with rainwater. Glycol uses up large amounts of oxygen as it breaks down, which causes foul smells.



Glycol-based odors can be a major problem for those who live close to airports. Once in the ground, glycol can also lead to rising costs for a variety of construction projects. Glycol is not considered to be dangerous for humans or other living organisms.

he EFFE® GX15 method has been developed to eliminate gaseous substances and smells from water. As far as we know, never before has it been possible to solve the global problem of treating low contaminated de-icer runoff in a cost-effective way,” explains CEO Anita Salo from BK-Hydrometa Oy. EFFE® is a compact treatment system that can easily be deployed even in a small area. EFFE® is able to continuously treat up to 15 m³ water per hour and effectively eliminate odorous gases. At the same time, the metal and solid content in rainwater run-off will also decrease, and up to 10 ml of oxygen per liter of water will be dissolved from air into water. EFFE® GX15 is also suitable for the treatment of perched groundwater.

Tule ruokaostoksille terminaali 2B-saapuvien aulaan! Avoinna 24h.

October 2017 – January 2018 BUSINESS CLASS 59


Tomi Hautala, Propentus

SÄÄNTÖJEN MUKAAN, URHEILUASENTEELLA Propentuksen Hautala voi neuvoa, kuinka kolmen pisteen heitto sukkana sisään onnistuu kovan paineen alaisena. Kun pohjatyö on kunnolla tehty ja valmennusjohto kiinnittää huomiota oikeisiin asioihin, isotkin muutokset organisaatiossa voidaan tehdä ilman tietoturvauhkien toteutumista.


aimme erityisesti alkusyksystä seurata, kuinka Susijengi syttyi hurmokseen Helsingissä pelatuissa EM-koripallo-otteluissa. Moni urheilufani tunnistaa Tomi Hautalan ja Sami Laaksosen menestyneinä, SM-tason koripalloilijoina. Nykyisin miehet vaikuttavat yrityksessä nimeltä Propentus Oy ollen menestyviä tietoturva-alan yrittäjiä. ORGANISAATIOIDEN RESURSSIEN KÄYTTÖOIKEUKSIEN JA PÄÄSYN HALLINTA

Tietoturvaan ja erityisesti organisaation käyttöoikeushallintaan liittyen Tomi Hautalalla on selkeä viesti yritysjohdolle: ”Tiedä, mikä on sallittua ennen kuin voit valvoa ja tutkia mahdollisia väärinkäytöksiä.” Yrityksessä tulisi olla Enterprise Resource Authorization –malli koskien sekä henkilöstöä että laitteistoa. – Kyllä. Tämä liittyy kiinteästi ERP-maailmaan. Yrityksessä pitää olla selkeä politiikka ja tieto siitä, kuka työntekijöistä tai mikä laitteista saa olla mihinkin tietojärjestelmään yhteydessä 60 BUSINESS CLASS October 2017 – January 2018


ja mihin asti tämä oikeus on voimassa. Yksilötasolla tämä tarkoittaa, kuka saa nähdä, jakaa, muokata ja poistaa tietoa. Ja kuka pääsee mihinkin organisaatioiden tiloihin.


– Tämä on erityisen tärkeää silloin, kun ekosysteemiin lisätään kerralla suuri määrä uusia käyttäjiä tai IoT-laitteita, kuten tapahtuu esimerkiksi yritysostojen ja fuusioiden yhteydessä”, Tomi Hautala konkretisoi ja jatkaa: – Kun on valmiit säännöstöt olemassa, säästetään aikaa ja rahaa. Muuten kaikki lisäykset pitäisi käsitellä yksitellen. Ja toisin päin: jos myydään osia yrityksestä, voidaan heti katkaista tiettyjen laiteosioiden keskusteluyhteydet ja henkilöiden käyttöoikeudet, jolloin due diligence-prosessi nopeutuu. Juuri tällaisista tapauksista Propentuksella on laaja ja monipuolinen kokemus. – Olemme säästäneet asiakkailta aikaa ja kustannuksia. Olemme varmistaneet, että tiedot yritystransaktioissa menevät oikein ja samalla parantaneet merkittävästi yritysten tietoturvaa. Tämä generoi asiakkaille huimia säästöjä jatkoa ajatellen.

Propentus on erikoistunut keskitettyyn organisaatioiden resurssien käyttövaltuuksien ja pääsyn hallintaan.

”Tiedä, mikä on sallittua ennen kuin voit valvoa mahdollisia väärinkäytöksiä.”

Ensin siis pelisäännöt selväksi, sitten vasta tuomaroimaan. – Juuri niin. Kun perusekosysteemi on hallinnassa, voidaan hankkia erilaisia valvontaohjelmistoja, joiden avulla puuttua poikkeamiin. YRITYSKAUPASSA KÄYTTÖOIKEUDET


Svea Ekonomin Maksuratkaisut liiketoimintajohtaja Benny Öhman ja yhteyspäällikkö Tuomas Kinnunen liputtavat joustavan ja miellyttävän nettiostosten maksamisen puolesta. Webpay on Svea Ekonomin palvelu, joka perustuu pitkäaikaiseen kokemukseen maksuista ja laskuista niin kuluttaja- kuin B2B-segmenteissä.

VERKKO-OSTOKSESSA MAKSUKOKEMUS MERKITYKSELLINEN Ostitpa sitten kivijalkamyymälässä tai verkossa, maksamisen pitää olla helppoa ja joustavaa ja kruunata ostokokemus. Missään ostopolun vaiheessa ei menetetä niin paljon kauppoja kuin loppuvaiheessa: jopa 69 % valmiista ostoskoreista hylätään kassalla.


nemmistölle kuluttajia verkko-ostaminen on arkipäivää ja siksi sen odotetaan palvelullisesti täyttävän samat kriteerit kuin kivijalkamyymälässä asioitaessa. Yksi lisävaatimus verkossa asioimiselle kuitenkin asetetaan: ostokset halutaan tehdä mahdollisimman nopeasti ja helposti, muutamalla klikkauksella. Saumattoman kaupan kompastuskiviä riittää: tuote- ja maksuehtotietojen saatavuus, ostopolulla liikkuminen, maksamisen vaivattomuus, tuotetoimitukset ja -palautukset sekä asiakkaiden jälkihoito. – Verkko-ostamisen palvelupolussa maksuratkaisujen monipuolisuus, maksuajan ja -tapojen joustavuus sekä turvallisuus ja turvallisuuden tunne ovat avainasemassa. Ostokokemuksessa tulee kaikkien palasten toimia yhtä hyvin ja kitkattomasti, jotta palvelukokemus muodostuu positiiviseksi, kertoo Svea Ekonomin maksuratkaisuiden liiketoimintajohtaja Benny Öhman.




Jotta ostoskorivaiheessa päästään kassalle asti, tulee perusasioiden pelittää: tuotetietojen on löydyttävä helposti, hinnat ja maksuehdot oltava selkeästi näkyvissä, tuotetuen pitää toimia eikä toimituskuluja kannata räväyttää esiin vasta maksuvaiheessa. – Verkkosivulla tulee pystyä selaamaan tuotteita helposti niin, ettei ostopolulla harhaudu. Tuputusmyynnin sijaan asiakasta palvellaan aidosti ehdottamalla lisäarvoa tuottavia tuotteita: jos ostat paidan, siihen voi tarjota sopivaa kravattia – ja mielellään etuhintaan, Öhman konkretisoi. Verkkokaupassa, jos missä, asiakassuhde on jatkuvasti reaaliajassa. ”Maksuratkaisutarjoajan tulee olla hyvin tavoitettavissa, niin asiakkaalle kuin loppuasiakkaallekin päin, sanoo maksuratkaisuiden yhteyspäällikkö Tuomas Kinnunen ja lisää: – Tuotamme asiakkaillemme tietoa heidän kohdennetun markkinointinsa

ja liiketoimintansa kehittämiseksi. Näin heidän tarjoamansa palvelut pysyvät ajan tasalla, asiakasdataa kyetään hyödyntämään palvelullisesti ja asiakas saa mahdollisimman vaivattoman ja miellyttävän ostokokemuksen – jopa elämyksen. – Tällöin loppuasiakas kokee myös maksamisen olevan kohtuuhintaista, helppoa ja turvallista eli palvelullista ja siten lisäarvoa tuottavaa, Öhman summaa.

Virtuaalikassa mahdollisimman toimivaksi Huomaamattoman helppo kassa • Lisäarvoa ja –tietoa maksaessa • Mobiilivarmenne vaihtoehtona • Luotettavuus ja turvallisuus • Monivaihtoehtoisuus • Joustavuutta maksuaikoihin • Maksu etukäteen vai vasta laskulla niistä tuotteista, jotka asiakas pitää? Muista myös maksunjälkeinen palvelu • Varmat ja nopeat toimitukset • Helpot ja selkeät palautukset • Asiakaspalvelukanavat kuntoon • Käyttö- ja tuotetuki

October 2017 – January 2018 BUSINESS CLASS 61


TEKNOSTRESSI SYÖ TUOTTAVUUTTA Viestitulvan synnyttämää teknostressiä voidaan helpottaa tuomalla työtiloihin työsuorituksen aikana käytettävää liikuntalaitteistoa ja suorittamalla työtehtäviä päivän aikana eri työpisteissä. Voimaantumista haetaan inspiroivilla tauoilla ja harkitulla sisustuksella. TEKSTI PÄIVI REMES



yötehokkuuden lisäämisen noustessa 2010-luvun alussa työelämän ykkösmantraksi työterveystutkijat alkoivat muistuttaa, että työhyvinvointi ja työtehokkuus kulkevat käsi kädessä. Askel parempaan suuntaan hyvinvointinäkökulmasta otettiin, kun työergonomiaan alettiin panostaa yhä enemmän. Tämän päivän tietotyöläinen kärsii niska- ja hartiavaivojen lisäksi kuitenkin yhä enemmän infoähkyn ja viestitulvan synnyttämästä teknostressistä. Kun työympäristön avulla lähdetään vahvistamaan ja lisäämään hyvinvointia, on huomioitava erilaisia käyttäjätarpeita, fysiologisista ja turvallisuuden tarpeista sosiaalisiin ja itsensä toteuttamisen tarpeisiin. Siksi suunnitteluun on aina otettava mukaan tilojen käyttäjät. Viihtyisten tilojen merkitys suhteessa työhyvinvointiin ei ole uusi asia. Mutta tilojen suunnittelua ei tehdä yhdessä yössä. – Luonnonvalolla ja luontonäkymillä on suuri merkitys viihtyvyyteen, mutta niin on myös äänimaailmalla ja inspiroivalla sisustuksella, kiteyttää dosentti Suvi Nenonen Tampereen teknillisestä yliopistosta. Hän on tutkinut ja osallistunut erilaisten julkisten tilojen ja työtilojen suunnitteluun useiden vuosien ajan. MONITOIMITYÖTILA ELÄÄ PÄIVÄN AIKANA

Nenonen on ollut vaikuttamassa myös Eteran uuden, yrittäjille käytössä olevan Työhuone Pasilan suunnitteluun. – Tämä on hyvä esimerkki tilasta, joka yhdistää työn tekemisen, yhdessä kehittämisen ja tutkimuksen, hän toteaa. Kun tilat houkuttavat vaihtamaan työpisteitä päivän aikana, myös istumisen aiheuttama fyysinen kuormittavuus pienenee. Työhuone Pasilassa töitä voi tehdä kävellen kävelymaton päälle sijoitetulla työpöydällä tai istuessa polkimia polkien. Ideoita kehitetään tiimin kesken keinu62 BUSINESS CLASS October 2017 – January 2018

Tampereen teknillisen yliopiston dosentti Suvi Nenonen ja Eteran työhyvinvoinnin kehittämispäällikkö Jari Ojasti Työhuone Pasilassa.

tuoliringissä. Säkkituoleja ja kevyitä pöytiä on helppo siirrellä tarpeen mukaan päivän aikana. – Lisäksi täällä on vetäytymiseen, neuvotteluihin ja puheluiden soittamiseen hiljaisia tiloja, Nenonen esittelee. Viestihälinästä ajoittain vetäytyminen kiireen keskellä helposti unohtuu. Yksi tämän päivän kovimmista haasteista on Nenosen mukaan teknostressin hallinta: – On välttämätöntä päivän aikana päästä irti jatkuvasti piippaavista laitteista ja viestitulvasta. Teknostressin helpottamisen lisäksi Työhuone Pasilan toimitiloilla on myös muita funktioita. – Tällainen ympäristö vähentää hierarkiaa, rikastaa tiedonvaihtoa ja lisää yhteisöllisyyttä, Nenonen tietää. TYÖMUISTIN KUORMITUS

kalustuksessa kuin tilan kokonaisviihtyvyyden optimoimiseksi. Sisäilma on yksi erikoishuomion kohteista. – Ilmastointi toimii anturien antamien tietojen pohjalta ja se muuttuu tilan käyttäjämäärästä johtuvan lämpömuutosten mukaan. Anturien avulla tutkimme myös sisäilman laatua, kertoo Eteran työhyvinvoinnin kehittämispäällikkö Jari Ojasti. Mutta paraskaan sisäilma ei yksin riitä pitämään työntekijöitä virkeänä koko työpäivää. – Työn tauotus on a ja o. Puhunkin aivotauoista, Ojasti painottaa ja lisää: Nykyinen työtahti ja aivokapasiteettimme eivät ole hyvin yhteensopivia, varsinkin kun kovaan työtahtiin yhdistetään univaje ja stressi. Rytmitä siis työpäiväsi, tauota istumista liikkumalla, sulje välillä infoärsykkeet pois. Aivot ovat tärkein tuotantovälineesi.


Työhuone Pasilassa modernia teknologiaa ja ergonomiaa on hyödynnetty niin



YRITYSKULTTUURIA Reaktorin poikkeuksellisen avoin yrityskulttuuri ja esimiesvapaa organisaatiorakenne ovat suorassa suhteessa voimakkaaseen kasvuun. TEKSTI PÄIVI REMES

Elän ja hengitän Reaktoria”, Tuomas Routto sanoo.


ydämeltään teknokraatteja, perusolemukseltaan tuotteliaita ja luonteeltaan intohimoisia, uteliaita ja nöyriä. Näin kuvailee reaktorilaisia operatiivinen johtaja Tuomas Routto. Itse toiminta tapahtuu autonomisissa tiimeissä ideoita pallotellen – ilman esimiehiä ja perinteistä hierarkiaa. Tapaan Tuomaksen, yhden kuudesta Reaktorin perustajajäsenestä, Reaktorin Helsingin Mannerheimintien toimistolla. Luoviessani avoimen toimistotilan läpi neuvottelutilaan aistin ympärilläni energisen pöhinän, joka muistuttaa työharjoitteluajoistani pörssimeklarina. En odottanutkaan yhtään vähempää. Reaktorin asiakkaina ovat mm. Nasdaq, HBO, Supercell ja Red Bull – vain muutamia mainitakseni. Siispä kahvimuki kouraan ja kysymyspatteristo rätisemään. IDEOIDEN KUPLINTAA, AVOINTA TIEDONJAKOA

Tuomas ei ole perinteinen koodaaja vaan bisnestalonmies. – Oma taustani tulee liiketoimintaosaamisesta. Olen perustamisvuodesta 2000 asti ollut mukana myyntityössä ja firman kehittämisessä.

Hän on aktiivisesti mukana myös uusien toimistojen avaamisessa, rekrytoinnissa ja uusasiakashankinnassa. – Toimenkuvani muuttuu jatkuvasti, tarpeen mukaan. Tunnen firman läpikotaisin. Tunnen kaikki meidän ihmiset, joten pystyn hyvin jeesaamaan myös tuoreita reaktorilaisia.” Nyt päästiin avaintermiin: auttaminen. – Meillä toimintaa kuvaa parhaiten vapaa ideoiden kuplinta. Ideoita pallotellaan keskenään. Osaa ideoista lähdetään toteuttamaan. Tiimit toimivat autonomisesti ja apua kysytään tarvittaessa työkavereilta. Tämä nopeuttaa päätöksentekoa. Meillä kannustetaan jatkuvasti kysymään tukea, apua ja mielipiteitä toisiltamme. Lisäksi pyrimme jakamaan mahdollisimman paljon tietoa päätösten tueksi. ROHKEUS, TAISTELUTAHTO JA SOPEUTUMISKYKY

Helsinkiläinen kuuden kaveruksen perustama yritys vaikuttaa nyt pääpelipaikoilla New Yorkissa, Tokiossa ja Amesterdamissa. Miten olette onnistuneet kasvamaan ja takomaan tulosta näin hyvin? – Olemme uskaltaneet haastaa itsemme ja lähteneet kokeilemaan, pärjäämmekö kansainvälisillä markkinoilla. Jos ei uskalla kokeilla, ei pääse eteenpäin. Toinen menestystekijämme on adaptiivisuus. Kun jokin ei toimi, hyvin nopeasti ja nöyrästi muutamme sitä, eli sopeutamme toimintamme markkinoille. Reaktorilaisella on siis lupa epäonnistua? – Ehdottomasti. Mieluummin kokeilemme asioita vaikka ne epäonnistuisivatkin ja opimme niistä. Emme kuitenkaan suhtaudu yliolkaisesti epäonnistumiseen. Kaadumme saappaat jalassa mutta nousemme aina hyvin nopeasti uudestaan pystyyn. Samalla kehitymme jatkuvasti. Menestysyhtälön kolmas tekijä ovat asiakkaat. – Tekemisessämme määränpäänä on ylivoimainen käyttäjäkokemus. Matkalla määränpäähän pidetään haus-

kaa, opitaan uutta ja jaetaan kokemuksia. Kompleksisuuden kanssa toimiminen on työmme kovin ydin, Tuomas selvittää Product/Market fit -taustoja.

”Menestyjä pystyy nopeasti tässä kompleksissa maailmassa sopeutumaan aina uudelleen”


Rekrytointivideossa esiintyvät ”talon omat heavy rokkarit”, Reaktor Ventures satsaa Piilaakson tyylillä start-uppeihin ja Reaktor Space Labissa työskennellään kaupallisen satelliitin lähettämiseksi avaruuteen. Erottautumisen merkitys? – Valtavan suuri. Toimimme hyperkilpaillulla markkinalla.” Huippuasiakkaat, kova kasvuvauhti ja Great Place to Work -kärkisija muodostavat toimivan kombon. – Kyllä. Asiakkainamme on superfiksuja taloja ja tyyppejä. Olemme aina myös vastaanottavana osapuolena, kun toimitamme heille palveluja. Tämä on tehnyt meistä halutun työnantajan. Meillä kannustetaan kehittymään, niin työntekijöitä kuin asiakkaitakin. Ihmisiä motivoi, kun he pystyvät kehittymään duunissaan. Siksi meidän tulee löytää inspiroivia asiakascaseja. VISIOINTIA TULEVAISUUTEEN

– Joillekin riittää, että on maailmanluokan firma Suomessa. Me haluamme olla maailmanluokan yritys maailmalla ja vaikuttaa ihmisten elämään. Analysoimme ja muokkaamme jatkuvasti kaikkea toimintaamme. Emme tee enää ensi vuonna samoja juttuja kuin tänä vuonna ja löydämme jatkuvasti yhä merkityksellisempiä asioita kehitettäväksi. Olemme siksi olemassa vielä 200 vuoden kuluttua, Tuomas Routto summaa. October 2017 – January 2018 BUSINESS CLASS 63


TUUSULA HUB Tuusulassa kunnan palveluja ja toimintatapoja kehitetään todella ennakkoluulottomilla tavoilla. Tästä ”kunta HUB:sta” kannattaa ottaa mallia! TEKSTI PÄIVI REMES


uusulan kunnassa parisen vuotta vaikuttanut elinkeinopäällikkö Marko Kauppinen liputtaa uudenlaisen kuntasuunnitteluajattelun puolesta. – Kyse on joustavasta tiimityöstä, verkostomaisesta yhteistyöstä ja startup -hengestä, itsekin yrittäjätaustainen Kauppinen kiteyttää. Helsinki-Vantaan lentokentän läheisyydessä sijaitseva Tuusula on noin 40 000 asukkaan ja yli 2 500 yrityksen


kasvuhakuinen, luova ja käytännönläheinen kulttuurikunta Keski-Uudellamaalla. Kuunneltuani Kauppiselta Tuusulan viimeisimmät kuulumiset lisäisin listaan vielä sanan ”ennakkoluuloton”. LEAN-AJATTELU SOPII MYÖS

Digitaalisuutta muutoinkin hyödyntävässä talossa yhdistyvät useiden käyttäjäryhmien uudenlainen oppimisympäristö ja kuntalaisia palveleva monitoimitalo. Monio on tarkoitus vihkiä käyttöön vuoden 2020 Asuntomessujen oheiskohteena.


Kun Tuusulassa lähdetään kehittämään esimerkiksi kuntalaisille suunnattuja palveluita, ei mietitä vain yksittäisiä ongelmia kuten jonojen purkamista tai nopeampaa reagointia. – Kansainvälisesti tunnettu ja menestyvä tuusulalaisyritys ehdotti kunnalle itse yhteistyökumppanuutta, kiitos aktiivisen yhteydenpidon. Yritys opettaa kunnalle LEAN -tuotantoa ja -johtamisperiaatteita, joiden avulla pystymme tarjoamaan mahdollisimman kattavat, tasapuoliset ja tehokkaat palvelut kuntalaisille ja haastamaan vanhat tavat tuottaa palveluita, Kauppinen kertoo.

”Haluamme kunnassa toimia kokoonkutsujana” Ensimmäiset kokemukset hackathonin annista olivat erittäin rohkaisevia. – Kun ajattelemme kunnassa kuin startup-yrityksessä, pystymme suuntaamaan resurssit oikeaan aikaan oikeisiin kohteisiin ja toteuttamaan päätöksiä nopeasti, Kauppinen summaa. MATKAILUNEDISTÄMISTÄKIN UUDELLA TAVALLA


Tuusulan lentokoneiden bongauskalliolta voi muutaman vuoden kuluttua ihastella yli miljoonan kerrosneliömetrin kokoisen yrityspuiston hyörinää. Tuusulan mahdollisuuksia bongaa elinkeinopäällikkö Marko Kauppinen.

64 BUSINESS CLASS October 2017 – January 2018

Niin ikään yritysmaailmassa tunnettu metodi, hackathon-tapahtuma, otettiin tänä syksynä käyttöön Tuusulassa. Tapahtumassa mentorina toimi muun muassa yritysmaailmasta tuttu Peter Vesterbacka. Intensiivisen 48 tunnin aikana tapahtumaan osallistuneet start up-yrittäjät, koodarit ja opiskelijat kehittivät tiimeissä ratkaisuja uuden suunnitteilla olevan monitoimitalo Monion tilojen ja palveluiden ajanvarausjärjestelmän ja kulunvalvonnan kehittämiseksi. He saivat työkaluikseen mm. arkkitehtikilpailun myötä saatuja kilpailusuunnitelmia, ja tehtäväkseen uudenlaisen fyysisen ja digitaalisen rakennuksen kokonaisuuden suunnittelun.

Perinteinen matkailumainonta on saanut Tuusulassa rinnalleen myös uudenlaisen markkinointitavan. – Olemme kuntana mukana tv-tuotannossa kolmen tuusulalaisen, periaatteessa toistensa kanssa kilpailevan matkailualan yrityksen kanssa. Tämä kuvastaa hyvin meidän yhteen hiileen puhaltamisen asennettamme, Kauppinen iloitsee ja lisää: – Haluamme kunnassa toimia kokoonkutsujana. Osallistamme palveluorganisaationa niin kuntalaiset kuin yrittäjätkin. Siksi meidän on muokattava ajatteluamme uuteen moodiin, kehitettävä omia prosessejamme ja luotava uusia toimintamalleja yhdessä paikallisyritysten kanssa.


TUOLLA LÄHETYKSENI MENEE! Kansainvälisen viennin haasteita taklataan parhaiten kattavalla ja joustavalla jakeluverkostolla sekä teknologian viimeisimpiä mahdollisuuksia hyödyntämällä. TEKSTI PÄIVI REMES



ientikaupassa riittää haasteita, ei vähiten siksi, että toimintakenttä elää jatkuvasti. Kansainvälisillä markkinoilla toimivalle yritykselle luotettava logistiikka on avaintekijä: sovittujen toimitusaikojen on pidettävä kaikissa tilanteissa riippumatta olosuhteista tai mahdollisista muutoksista matkan varrella. Kuten monella muullakin alalla, ennakointikyky, laaja yhteistyöverkosto ja reagointinopeus ovat logistiikkataiturin valttikortteja. PostNord tähyää vahvempaa markkina-asemaa tosissaan. –Tavoitteenamme on kehittyä Pohjoismaiden johtavaksi logistiikka- ja viestintäratkaisuiden toimittajaksi, kiteyttää PostNord Oy:n toimitusjohtaja Jari Rinnekoski. Tämä tarkoittaa, että Pohjoismaista harjoitettava vienti- ja tuontilogistiikka sujuu mahdollisimman kustannustehokkaasti ja toimintavarmasti. – Asiakkaamme saavat meiltä täsmälleen samat palvelut ja ratkaisut riippumatta siitä, ovatko Norjassa, Suomessa, Ruotsissa vai Tanskassa, Rinnekoski korostaa.

PostNord Oy:n toimitusjohtaja Jari Rinnekoski.



PostNordin merkittävin kilpailuvaltti on sen poikkeuksellisen vahva jakeluverkosto. – Meillä on Pohjoismaat kattava verkosto, jossa kulkee vuosittain yli 140 miljoonaa pakettia ja 10 miljoonaa lavaa yrityksiin sekä kotitalouksiin. Verkkokauppoja sekä kuluttajia palvelee 5 900 noutopisteen Pohjoismainen verkosto, joihin paketit toimitetaan 2-4 päivässä lähtömaasta riippuen. Suomesta näitä noutopisteitä löytyy 1  150 kappaletta. Laajennamme noutopisteverkostomme kumppaniemme kautta myös Eurooppaan, jossa yksityisten sekä yrityksen tarpeisiin on yli 20  000 noutopistettä vuoden 2018 loppuun mennessä.


PostNord panostaa toiminnan kehittämiseen merkittävillä teknologia- että infrastruktuuri-investoineilla. – Verkkokauppa ja digitalisaatio kärjessä tässä tietysti kuljetaan. Tavoitteena on, että tulevaisuudessa yritys- tai yksityisasiakas pystyy älypuhelimellaan hoitamaan koko asiointiketjun, lähetyksen reaaliaikainen seuranta mukaan lukien, Rinnekoski kertoo. Logistiikka-alalla on yritettävä kurkistella kristallipalloon, mutta tätäkin tärkeämpää on tiivis vuoropuhelu asiakkaan kanssa. – Kumppanuus on tärkein arvomme. Verkkokaupan voimakas kasvu

on nostanut yksityistalouksien roolin merkitystä ja kuluttajien rooli päätöksentekijöinä tulee kasvamaan edelleen. Esimerkiksi kotitoimitusten sujuvuudessa ja yksityisasiakkaiden palvelussa meillä on paljon vielä parannettavaa. Onnistuminen edellyttää uuden teknologian lisäksi muutosta ja uudenlaista ajattelua, jossa mm. vuoropuhelu startup yritysten ja milleniaalien kanssa auttaa meitä kehittymään eteenpäin, Rinnekoski summaa. PostNord toimittaa viestintä-, logistiikka-, jakelu- ja verkkokaupparatkaisuja Pohjoismaihin, Pohjoismaista ja Pohjoismaissa.

October 2017 – January 2018 BUSINESS CLASS 65


ROHKELIKOT – TARINOIKAA JUURI MINULLE! Modernista markkinoinnista keskusteltaessa tekee välillä hyvää tunkea jargon peränurkkaan. Siksi jututimme aiheesta Valveen Jorma Maaninkaa. TEKSTI PÄIVI REMES



stukaamme hetkeksi virtuaalisaunan lauteille jutustelemaan modernista markkinoinnista. Aloitetaan lämmittelyvaiheella. Uutta liiketoimintaa, modernia markkinointia – trenditerminologiaa vai perustuksia ravistelevaa muutosta? – Peruslainalaisuudet eivät ole muuttuneet. Mutta modernia markkinoinnista on tullut, kun uusia kanavia on tullut valtavasti lisää, ja toisaalta data ja kuluttajakäyttäytyminen ohjaavat toimenpiteitä. Myös teknologian merkitys on markkinoinnissa mitattavampaa kuin koskaan aikaisemmin, pohjustaa Valve Groupin toimitusjohtaja Jorma Maaninka. Moderni pelikenttä ja digityökalut mahdollistavat täsmäonnistumisen. Relevantti sisältö esitettynä relevantissa kanavassa juuri sinulle, ja vielä oikealla hetkellä – tätähän me tavoittelemme, Maaninka vahvistaa. Viestin vastaanottajana teen yhä tarkemmin ennakkoseulontaa: kenen viestejä haluan vastaanottaa ja minkä brändin, yrityksen tai palveluntarjoajan kanssa käyn vuoropuhelua. ”Niinpä. Siksi emme voi vain tuutata kaikille samaa tarjontaa ulos vaan meidän pitää ymmärtää ja kohdella asiakasta yksilönä.”


Moderni markkinointi on liiketoiminnan strategian tukemista. – Kyllä. Markkinointi ei ole oma strategiansa eriytettynä yrityksen muusta viestinnästä. Siksi yrityksen strategian keskeiset teemat pitää olla myös markkinointiviestien sydän, Maaninka teroittaa ja konkretisoi: – Tällöin löydämme teemat, joista viestiä. Kanavat valikoituvat, kun seuraamme ja kuuntelemme, missä asiakkaamme ovat yksilöinä. Tältä pohjalta viestimme kohdennetusti heille ja heidän kanssaan. 66 BUSINESS CLASS October 2017 – January 2018

Valve Groupin toimitusjohtaja Jorma Maaninka ja muutama markkinoinnin teesi: ”Puhutaan ymmärrettävästi. Ei tyrkytetä vaan autetaan oikean tiedon avulla. Toimitaan aikaisempaa rohkeammin ja puhutellaan yksilöä tunteella ja tarinoiden voimalla.”



Maaninka terävöittää keskustelua: – Moderni markkinoija ymmärtää, että myynti ja markkinointi ovat samalla asialla. Hän lyö lisää löylyä: Iso osa myynnin ja markkinoinnin tavoitteista tulee olla yhteisiä. Siis mitattavia. Tähän päästään, kun alamme johtaa tuloksia emmekä suoritteita. Pysytään vielä lauteilla. – Myyjä ei ole enää se, joka tuo totuuden. Asiakkaalla on runsaasti kanavia käytössään tiedonsaantia ajatellen. Silti kohtaamisen merkitys ei ole muuttunut. Kun olemme läpäisseet asiakkaan seulan ja hän on valmis vastaanottamaan viestejämme, voimme kohtaamisessa vaikuttaa asiantuntemuksellamme, Maaninka vihtoo. Loppuuko myyjiltä työ, kun moderni markkinointi valtaa alaa? – Nyt myyjiä vasta tarvitaankin. Mutta nyt tarvitaan näkemyksellisiä myyjiä. Heidän pitää tuoda asiakkaalle apua päätöksenteon eri vaiheissa. Moderni markkinointi on tyrkyttämisen sijaan auttamisbisnestä, Maaninka vastaa.


Lihakset lämpiminä ja sielu vastaanottavaisena? Hyvä. – Ihminen ei ole rakennettu vain lukuja ja faktaa varten. Data on hyvää öljyä varsinkin, kun siitä osaa tehdä oikeat johtopäätökset. Mutta me ihmiset prosessoimme päätökset tunteiden kautta. Siksi tarinallistaminen on entistä tärkeämpää”, Maaninka muistuttaa. Vielä loppulöylyt: – Hyvä markkinoija on rohkea ja uskaltaa haastaa asiakkaan uusilla ja yllättävillä näkökulmilla. Valve on markkinoinnin, viestinnän ja teknologian yhdistäjä. Autamme asiakkaitamme 160 asiantuntijan voimin muuttumaan ja menestymään digitalisoituvassa maailmassa strategisen näkemyksemme ja kokonaisvaltaisen osaamisemme kautta. Vuonna 2016 liikevaihtomme oli lähes 16 miljoonaa euroa. Visiomme on mullistaa toimialoja, kasvattaa asiakkaidemme brändiarvoa ja tuottaa heille mitattavaa kilpailuetua. Valve. Ambitions United.



BIOFUEL UPM:llä lähdettiin viiden vuoden kehitystyön jälkeen rakentamaan biopolttoaineliiketoimintaa tyhjästä vuonna 2012. Strategisesti uusi liiketoiminta on ollut merkittävä avaus. Biopolttoaineet -liiketoiminnan draiveriksi on viime vuosina henkilöitynyt biokemian tohtori Sari Mannonen. TEKSTI PÄIVI REMES


uden liiketoiminnan rakentaminen tyhjästä on ollut biopolttoainetiimille ja sen vetäjälle Sari Mannoselle unelmamatka. Ensimmäinen välietappi liittyi alkutuotantoon. – Yksi merkittävimmistä tutkimustyön läpimurroista oli, kun pystyimme puhdistamaan ja prosessoimaan oman sellutuotantomme tähteenä syntyvää mäntyöljyn korkealuokkaiseksi liikenteen polttoaineeksi, Mannonen muistelee. Seuraava etappi edellytti UPM:n ylimmältä liikkeenjohdolta visionääristä rohkeutta. – Merkittävän investointipäätöksen seurauksena vuonna 2012 UPM ryhtyi rakentamaan maailman ensimmäistä mäntyöljystä uusiutuvia polttoaineita valmistavaa biojalostamoa Lappeenrantaan. Tässä vaiheessa alkoi kirkastua, että puhuttiin maailmanluokan innovaatiosta, josta tulisi syntymään merkittävää uutta liiketoimintaa. – Lanseerasimme toukokuussa 2015 kotimaisen UPM BioVerno -dieselin Suomessa autojen polttoaineeksi. Nyt markkinoimme sitä maailmalla myös laivojen polttoaineeksi ja kysyntää selvästi on. Pitkän aikavälin tavoitteenamme on kasvaa maailmanlaajuisesti kärkitoimijaksi kehittyneissä biopolttoaineissa. Mutta peruutetaanpa hieman taaksepäin ja tutkaillaan, millainen rautarouva biopolttoaineen menestystarinaa on luotsaamassa. Haastattelin Mannosta viimeksi vuonna 2012 Sveitsin Lausannessa, jossa hän opiskeli IMD Business Schoolissa UPM Frontrunner – johtamiskoulutuksessa. – Sen jälkeen olen opiskellut liiketoiminnan johtamista vielä Henley

Sari Mannonen, Ph.D., Biochem, Inspiring Executive & Vice President of UPM Biofuels on innostava johtaja, joka rentoutuu vapaa-aikanaan metsässä liikkumalla.

Business Schoolissa ja Harvard Business Schoolissa, ja toiminut biopolttoaineissa myynnin ja markkinoinnin johtotehtävissä ennen nykyistä postiani, Sari päivittää tilannetta.

luan valmentavalla otteella saada erilaisista lahjakkuuksista koostettavan tiimin saavuttavan parhaan tuloksen. PUUSTA INNOVATIIVISESTI JA VASTUULLISESTI


Sarin kaltainen multitalenttipersoona saisi bisneksen kukoistamaan alalla kuin alalla, mutta biokemia on lähinnä hänen sydäntään.

”On hienoa viedä suomalaista kestävän kehityksen huippuosaamista maailmalle.” – Valmistuin biokemian tohtoriksi 1996. Opiskeluaikana työskentelin tutkimusryhmässä Labsystemsissä (nyk. Thermo Fisher) jatkokehittämässä hepatiitti B:n diagnostista testiä. Tuloksena syntyi kansainvälisesti myytävä diagnostinen ”testikitti” hepatiitti B:n osoittamiseksi verinäytteestä, Sari kertoo. Sitten hän tiputtaa uutispommin. –Työskennellessäni Locus genex Oy:n tuotekehityksessä tutkijana, kehitin verinäytteestä tehtävän syöpätestin. Sillä on USA-patentti. Tällä kansainvälisen myynnin, markkinoinnin ja bisneksen kehittäjällä on siis myös kova tutkija-keksijä -tausta. – Tulen yrittäjäperheestä, jossa vanhemmat olivat yksityisyrittäjiä omalla sarallaan. Olin kuulemma vilkas ja kekseliäs lapsi ja hirmu kiinnostunut siitä, minkälaisia syy-seuraussuhteita asioilla on. Nopeakäänteiseksi tunnustautuva Mannonen on myös ihmisjohtaja. – Ha-

Pitkä osaaminen osataan hyödyntää uutta kehitettäessä. – Tarkkailemme tiiviisti markkinoita ja lainsäädäntöä. Voimavaranamme on yhdistää UPM:n yli 100-vuotisen historian eri toimialojen osaamista uuden liiketoiminnan kehittämiseksi ja kaupallistamiseksi, verkostoitumistaituri Mannonen selvittää. YK valitsi vuonna 2016 UPM Biopolttoaineet kestävän kehityksen malliesimerkiksi. Tänä vuonna UPM on kasannut biopolttoainepuolelle kymmenhenkisen kehitystyöryhmän. – Sen tarkoituksena on määrittää sekä pitkän tähtäimen suunnitelma, että seuraava steppi Biopolttoaineet -liiketoiminnalle. Mannosen omista draivereista yksi nousee ylitse muiden. – On hienoa viedä suomalaista kestävän kehityksen huippuosaamista maailmalle. Jämäkkään Sariin on selvästi tarttunut ratkaisuorientoitunutta kasvuyrittäjän mentaliteettia. – Asetan tavoitteet korkealle. Kaikessa tekemisessä voi aina parantaa. Olen kotonani työssä, jossa läheskään kaikki ei ole etukäteen suunniteltua, ja huippuporukan kanssa on mahdollista ottaa rohkeita ja suuria kehitysaskeleita.” Mannosen toimintapa on johtanut menestyksekkääseen uraan. Niin metsä vastaa kuin sinne huudetaan. October 2017 – January 2018 BUSINESS CLASS 67


RAHOITUSDIPLOMAATTI, JOKA KANNATTAA TUNTEA Kansalaisrahoitus yhdistää kasvuyhtiöt ja sijoittajat hoitaen sijoittajien puolesta yritysten seulonnan ja rahoitusneuvottelut. Mikä parasta, Kansalaisrahoituksen kautta kotimaiset listaamattomat kasvuyhtiöt avautuvat sijoituskohteiksi muillekin kuin perinteisille pääomasijoittajille. TEKSTI PÄIVI REMES


inanssivalvonnan alaisena toimivan Kansalaisrahoituksen kautta kuka tahansa voi sijoittaa kasvuyhtiöihin. ”Sijoituskohteet valitaan tiukalla seulalla ja kohteista riippuen sijoittamaan pääsee jo muutamalla tonnilla”, kertoo Kansalaisrahoituksen tuore toimitusjohtaja Terhi Vapola.


track. Tämä siis tarkoittaa, että tähän mennessä kaikki kasvuyhtiöt, joitten osakkeet olemme ottaneet tarjottavaksi, ovat myös päässeet rahoituskierroksen tavoitteisiinsa. Siksi meille myös hakevat erityisen kiinnostavat kasvuyhtiöt, Vapola huomauttaa. NYKYAIKAINEN SIJOITUSTALO

Sijoittamisen tulee olla paitsi turvallista ja tuottoisaa myös helppoa ja tehokasta. Kansalaisrahoituksen sidon100 % ONNISTUMINEN Lähtötilanne on tämä: lupaavilla suo- naisasiamiehet eri puolilla Suomea malaisilla kasvuyhtiöillä kuluu valta- kontaktoivat omat sijoittajakontaktinsa vasti resursseja rahoituksen järjestämi- ja esittelevät uuden sijoituskohteeksi seen. Samanaikaisesti kasvava joukko valikoituneen kohdeyhtiön sijoittajille. – Omasta uskostamme valitsemiimsijoittajia etsii uusia, korkeamman potentiaalin sijoituskohteita perinteisten me yhtiöihin kertoo se, että jokaisen kierroksen kohdeyhtiöstä tulee myös sijoitusvaihtoehtojen rinnalle. osa meidän Tässä Kansaomaa portlaisrahoitus asfoliotamme. tuu kuvaan. ”Sijoittamalla suomalaiseen Jokaisen sijoit– Loimme kasvuyhtiöön sijoittaja tekee tajan on kuipalvelun, jossa myös yhteiskunnallisesti tenkin omalta kasvuyhtiö saa osaltaan tärnopeasti ja joushyvää: uudet työpaikat eivät keä tiedostaa, tavasti pääomaa synny tyhjästä.” että kasvuyhtikeskittyen koko ösijoittaminen ajan ydinbisnekon korkean risseensä ja menettämättä strategista päätösvaltaansa. kin sijoitustoimintaa, Vapola painottaa. Digitalisaatio helpottaa ja nopeuttaa Tuomme nämä tarkoin due diligencetarkastelun jälkeen valitsemamme lu- sijoittamista. – Se mahdollistaa paljon sijoittamipaavat kasvuyhtiöt sijoituskohteiksi muillekin kuin perinteisille pääomasi- sen kentällä. Olemme juuri ottaneet joittajille. Lisäksi hoidamme sijoittajien käyttöön sijoitusplatformin, jonka puolesta rahoitusneuvottelut, Vapola avulla sijoittaja voi myös itse suoraan kiteyttää molempien osapuolten hyö- webissä tarkastella käynnissä olevan rahoituskierroksen materiaaleja ja tehdyt. Kansalaisrahoitus on alansa suurin dä sijoituspäätöksiä, ajasta ja paikasta toimija Suomessa. – Meillä on 100 %:n riippumatta, Vapola kertoo. RAHOITUSKIERROKSISSA

68 BUSINESS CLASS October 2017 – January 2018

Kansalaisrahoituksen toimitusjohtaja Terhi Vapolalla on kokemusta sekä pääomasijoittamisesta, yritysostoista että kasvuyrityksen toimitusjohtajan pestistä. ”Olen edelleen itsekin aktiivinen enkelisijoittaja.”

Joukkorahoituksen suurin toimija Kansalaisrahoitus Oy on sijoituspalveluyritys, joka yhdistää kiinnostavia kohteita etsivän sijoittajan ja tehokasta pääomarahoitusratkaisua etsivän yrityksen. Vuonna 2012 perustettu Finanssivalvonnan alainen yhtiö on järjestänyt jo 35 rahoituskierrosta, joiden kautta on sijoitettu yli 50 miljoonaa euroa.


TIEDON LUOTETTAVUUS KIINNOSTAA BISNESTÄKIN ”Tiedätkö, onko organisaatiosi tietoa manipuloitu? ” Kyberturva-kysymys ja mahdollisuus rikkoa kyberturvan tekniikkakeskeisyyttä. TEKSTI PÄIVI REMES

ta. Tätä tarvitaan, mutta se ei saa olla pääpointti: tärkeää on keskeisten liiketoimintaprosessien jatkuvuuden ja luotettavuuden turvaaminen, Antikainen lämmittelee.

”Oletko suojaamassa järjestelmiä vai tietoa?”

Jani Antikainen


ähän mennessä ei ole ollut keinoja todeta, voiko organisaatioiden tietoon todella luottaa vai onko sitä manipuloitu ulkopuolisen tai sisäisen tekijän toimesta. – Aivan fundamentaalia mille tahansa toimijalle on, että se pystyy luottamaan toimintatietoonsa ja toimimaan sen varassa, ravistaa Spartan perustaja Jani Antikainen. Okei… olemme hereillä. Pieni pohjustus on paikallaan. Perusproblematiikka tietoturvallisuudessa on, että keskustelua käydään teknologiaorientoituneesti ja aihe mielletään edelleen lähinnä ICT-osastojen tontille. Liiketoimintaa halutaan mukaan, mutta pelkkä halu ei riitä – on tarjottava hyötyjä pelkän turvan lisäksi. OLETKO SUOJAAMASSA JÄRJESTELMIÄ VAI TIETOA?

– Tietoturvan ja liiketoiminnan välillä on ammottava kuilu. Tietoturva ja kyberturva ovat teknistä järjestelmien, verkkojen ja tietovarastojen suojaamis-

Selvä… kartalla ollaan. Onneksi Antikainen ei tyydy puheeseen. – Kehitimme liiketoimintalähtökohdista Huginn-tietoturvatuotteen, josta ensimmäiset kaupalliset toteutukset on onnistuneesti otettu käyttöön finanssija energiasektoreilla. Huginn puhuttelee ja hyödyttää suoraan liiketoimintaa. Ensimmäistä kertaa markkinoilla on nyt tuote, jossa tiedon eheys ja oikeellisuus ovat avainasemassa, Antikainen korostaa. Mies selvästi pitää ravistelemisesta. – Tietoja manipuloimalla voidaan kavaltaa kohteen varallisuutta ohjaamalla rahavirtoja rikollisille tai luoda tilanne, jossa kohde halvaantuu, koska liiketoimintatieto on sabotoitu eikä siihen voida luottaa. Konkreettisia tiedon manipuloinnin esimerkkejä löytyy useita, miljardien pankkikavalluksista lähtien. – On todennäköistä, että lähitulevaisuudessa koemme sisäisiä hyökkäyksiä, joissa uhka ei tulekaan ulkoa isosta maailmasta haittaohjelmana, vaan liiketoimintadataa, kuten potilas- tai asiakastietoja, muokataan pidemmän aikaa kohteen tätä havaitsematta. Lunnaat maksettuaan kohde saa listan tehdyistä tietomuutoksista. Varmuuskopioista ei ole hyötyä, koska hyökkäys on tehty samoin kuin työntekijät normaalistikin tietoa muuttaisivat, Antikainen maalailee.


Ok. Ja suojautuminen tämäntyyppisiltä uhkakuvilta edellyttää, että nykyiset järjestelmät joutavat romukoppaan, kalenterista raivataan puoli vuotta tilaa suunnittelulle ja rahakirstusta kaivetaan pohja näkyviin? – Ei lainkaan. Huginnin käyttöönotossa liiketoiminta valitsee turvattavat toimintaprosessit. Prosessien sekä tiedon eheyden ja luotettavuuden varmistamat kontrollit ovat selkokieltä ja ne syntyvät dialogilla liiketoiminnan kanssa. Panostus on päivä tai pari työpaja-aikaa. Huginn liitetään prosessien tietovirtoihin ja käännetään virrat reaaliaikaiselle seurannalle. Esimerkiksi ostolaskuprosessin turvaamisen käyttöönoton implementointi vie viikosta kahteen ja kustannukset ovat minimaalisia – huomattavasti pienemmät kuin ensimmäisen toimitusjohtajahuijauksen kulut, Antikainen vastaa ja muistuttaa: – Kun poistamme asiakkaaltamme riskienhallintanäkökulmasta jonkin liiketoimintaa vaarantavaa uhan, ratkaisemme samalla tietoturvaongelmaa ja tuomme tilannekuvan liiketoimintamittareineen turvattaviin liiketoimintaprosesseihin. Myytti kyberturvan karvaasta mausta liiketoimintajohtajien suussa alkaa murtua.

Sparta Consulting on henkilöstönsä omistava kasvuyritys, jolla on oma tuotekehitysyksikkö.

October 2017 – January 2018 BUSINESS CLASS 69

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70 BUSINESS CLASS October 2017 – January 2018

October 2017 – January 2018 BUSINESS CLASS 71



Business Class October 2017 – January 2018  
Business Class October 2017 – January 2018  

Business Class is an executive lifestyle and business magazine