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&lt;p&gt;&lt;strong&gt;IoT devices connected to Digita’s LoRa network have numerous opportunities in making daily business run conveniently, cost-effectively and securely. The new innovations vary from smart rat-traps and traffic signs to locating devices.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Last fall Finland’s national terrestrial television and radio network operator Digita expanded its competence to meet the needs of internet of things. LoRa technology enables its users to monitor and control different kinds of devices simply and cost-effectively via sensors size of a pack of cigarettes. The LoRa terminals are both low in price and power consumption. They have an excellent range which makes the technology compatible with various types of wireless data gathering and monitoring solutions. Digita´s comprehensive IoT services are based on Digita’s nation-wide infrastructure and network.&lt;/p&gt;
&lt;p&gt;According to &lt;strong&gt;Ari Kuukka&lt;/strong&gt;, Director of IoT Services at Digita, it brings great amounts of added value, if customer can do certain operations only when necessary and release time from calendar based duties to other business processes.&lt;/p&gt;
&lt;p&gt;“For example, in some countries rats are a big problem in food industry companies and employees must circle the factories to find out if rats have gotten trapped. Another example is from Sweden, where the law requires that traffic signs are checked in regular bases in case they have toppled down. With LoRa technology the sensor sends the wanted information and company can release workforce to make the needed operations only when necessary. With the help of this kind of IoT solutions companies can replace their calendar based business model where something is done at regular intervals to a need based business model,” Kuukka explains.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Geolocating service&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Another illustrative example of LoRa technology is locating devices for example in big building sites, where tools or heavy equipment might remain in the terrain after construction work is finished.&lt;/p&gt;
&lt;p&gt;“Traditional GPS trackers are expensive to use compared to LoRa sensors that run with a battery that lasts for years. Cost of the technology is coming down fast, making even disposable LoRa devices possible. The LoRa network geolocation precision is about hundred meters, but often even when the equipment only costs few hundred euros it’s useful to know approximately where to look for it. Before, it wasn’t cost-effective to track medium-prized assets. The LoRa technology can for example ease the logistic hassle of locating equipment between various subcontractors,” Kuukka says.&lt;/p&gt;
&lt;p&gt;LoRa evades also the risk of denial of service attacks that insecure IoT devices are provoking.&lt;/p&gt;
&lt;p&gt;“Security-wise radio technology is safe, because it’s not connected to internet. It’s not even possible to do denial of service attacks using LoRa terminals,” Kuukka reminds.&lt;/p&gt;
&lt;p&gt;Digita´s core competence is in building comprehensive networks and making connections work. Digita has been&amp;nbsp;transmitting radio and TV programs reliably to all Finland for decades. Depending on the needs of their customers, Digita provides also business applications and cloud services together with their comprehensive partner network.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“LoRa is an open technology and anyone can set up a similar network, meaning companies are not locking themselves to one provider only. IoT connectivity is only one of our services. We build connections for new businesses and help them to make operations, that weren’t previously smart to do, feasible.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.digita.fi&quot; target=&quot;_blank&quot;&gt;www.digita.fi&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Digita is a pioneer in wireless and digital solutions. Digita employs experts in modern technology actively involved in developing standards in the field. This guarantees reliable expertise and comprehensive digital solutions for clients. Digita's organisation covers the whole country and offers high quality service 24 hours a day. Digita's clients include television and radio broadcasting companies as well as&nbsp;mobile and broadband operators. Digita is a Finnish company.

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Digita

#ffffff

From a calendar based business model to a need based one

&lt;p&gt;&lt;strong&gt;Siili sees digitalisation as true integration of data, design and technology.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Seppo Kuula&lt;/strong&gt;, CEO of Siili, taps his watch to illustrate his company’s philosophy.&lt;/p&gt;
&lt;p&gt;“A smart watch is a great idea, but what is important is the data, not the thing,” he says. “A watch is too small to have an effective touch screen, but what if it had a reliable voice interface? Now I can simply speak to my watch to access and organise my data, like setting an appointment. We already have the technology and data to do this, but now we need a proper design to make this happen.”&lt;/p&gt;
&lt;p&gt;The people at Siili see themselves as digital integrators, partnering with clients in software and digital services. While many IoT companies are excited about projects to connect devices and use the resulting data, Siili has a fundamentally different idea.&lt;/p&gt;
&lt;p&gt;“Digitalisation is a process of co-creation with customers,” Kuula explains. “Industrialisation was about products, pyramid-shaped organisations, R&amp;amp;D driving value and efficiency in scale. Digitalisation is about service, customer-oriented business models, customers driving value and global, inter-industry competition.”&lt;/p&gt;
&lt;p&gt;This process is resulting in new business models, like Uber or AirBnB, where access is more important than physical products. The business model is becoming iterative, continuous and data-driven.&lt;/p&gt;
&lt;p&gt;“Companies need a partner to go through the digitalisation phase,” Kuula continues. “Where can they optimise, such as robotics improving cost efficiency? Where is the transformation, like how media and telecom are converging? Then we have true disruption. Data drives design; design causes disruption; disruption powers development of the new.”&lt;/p&gt;
&lt;p&gt;“How we use cognitive computing and personalised services is drastically changing not only business logic but also our lives,” he says. “Soon we will see assisted driving standard in all cars, saving thousands of lives and making commuting more tolerable. We’ll have digital assistants at home making our daily activities more convenient, saving significant amounts of our time for more meaningful activities than shopping or searching for information. We are the trusted partner of leading companies in this digital transformation, and at the end of the day what is most important to Siili is people.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.siili.com&quot; target=&quot;_blank&quot;&gt;www.siili.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: David J. Cord&lt;/p&gt;


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We’re Finland’s leading technology-independent software integrator and digital service partner. We help our customers to find an own digital persona, comprehensively, from the core of business. This means that we offer services, technology platforms, information management, architecture and project management – all from the same address. We always base our know-how on respect and transparency. With us, you’ll leave a lasting digital footprint.

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Siili

In the IoT things are nothing; data is what matters

&lt;p&gt;&lt;strong&gt;Internet of Things brings us new solutions to make our daily lives run more smoothly. Among the new reliefs comes also new unprecedented threats. In a way, IoT has taken security backwards manufacturers making the same mistakes as computer software developers did years ago.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Centuries ago men use to build fortresses in places with spacious views: not that the walls itself would be unbreakable but to detect the conceivable enemy as early as possible and to prevent damages. According to Nixu, Nordic’s largest specialist company in cyber security consulting, cybersecurity should be seen the same way as they used to in the old days – as a continuous process where enemies are detected before they manage to cause any harm.&lt;/p&gt;
&lt;p&gt;“It´s a big mistake to build a wall and not follow what’s happening outside and more importantly inside the organization. It takes approximately 200 days to detect a data breach,” says &lt;strong&gt;Antti Nuopponen&lt;/strong&gt;, Head of Cyber Defense at Nixu.&lt;/p&gt;
&lt;p&gt;Generally, Nuopponen is enthusiastic about all the opportunities that IoT has and is looking forward to see new inventions. What worries him is the manufacturers not having the needed knowledge about the cyber threats they are invoking.&lt;/p&gt;
&lt;p&gt;“There are already several warning examples where hackers have been able to do massive distributed denial of service attacks using trivial malware like Mirai. Especially for manufacturers, who are coming from totally different areas of business, it might be hard to understand all the dimensions of security.”&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Cyber defence needed&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Mirai is malware that turns IoT systems running Linux to remotely controllable bots. The bots can then be utilized as part of a botnet in heavy cyberattacks. Mirai has hit the headlines various times, whether it be a computer controlling property´s heat control crashing down or cyber criminals knocking a whole country’s internet offline like in Liberia last autumn. Same method has been used to shut off sites like Netlflix, eBay and Reddit in a mission to sabotage U.S.’s internet. Insecure IoT devices are intercept by Mirai which uses them to send vast amounts of traffic and cause service disruption.&lt;/p&gt;
&lt;p&gt;“The simplicity of the attacks using IoT devices is what makes them even more worrying. Imagine your smart toaster attacking a nation online. If a manufacturer is having regard to security already in the planning phase, it’s a lot easier to prevent cyberattacks like these happening.”&lt;/p&gt;
&lt;p&gt;In Nixu’s point of view, security is a must in projects where any developing, implementing or assessing of information is done.&lt;/p&gt;
&lt;p&gt;“Manufacturers should be more careful building all these smart systems and ensure that their devices are secure and automatically updated.&amp;nbsp;It´s not the consumer´s fault if something happens, it’s the manufacturer who should bear the responsibility and design devices that are well secured and safe,” Nuopponen reminds.&lt;/p&gt;
&lt;p&gt;“And personally, I think it’s just wrong to sell trash,” he adds.&lt;/p&gt;
&lt;p&gt;In addition to Industrial Internet, Nixu helps their clients to improve their cybersecurity also in solution areas of Corporate IT and Digital Business. Nixu ensures the confidentiality of companies’ data, business continuity and ease-of access to digital services through planning and mitigation of cybersecurity risks.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.nixu.com&quot; target=&quot;_blank&quot;&gt;www.nixu.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Nixu is a cybersecurity services company on a mission to keep the digital society running. We help organizations embrace digitalization securely.

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Nixu

Insecure manufacturing of IoT devices cause severe cyber threats

&lt;p&gt;&lt;strong&gt;Gofore has never done employee based adjustments during their 15 year path. According to Timur Kärki, the co-founder and CEO of Gofore, the might behind last year’s 50% growth in sales and 69% increase in operating profits is in the workplace which was recently awarded as the greatest in Finland.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Four digital designers and coders have gathered around and orange foosball table to stimulate their coffee break with some social athletics and laughter. A modern but cosy open-space office in the heart of Helsinki sends out a warm and welcoming feeling. Not only does it seem that the employees are truly thriving there, but also their expertise has gained praise from the research organization Great Place to Work, which annually lists the best Finnish workplaces. The study involved 151 organizations, which employ a total of about 49 000 employees. This year, Gofore was the winner of the medium-sized enterprise series. In addition to employees’ know-how, the study evaluated the expertise of companies’ management practices.&lt;/p&gt;
&lt;p&gt;“Our decision-making is decentralized, working is self-directed and hierarchy is squashed to the minimum. Our aim is to be highly transparent. Employees have the power to influence their own work which steers the whole company’s direction. The enthusiast attitude is experienced and shared together, which gives us the motivation to go forward and grow. Gofore would not be that great of an environment for those who must be dragged along, because the workplace develops itself,” Kärki explains.&lt;/p&gt;
&lt;p&gt;People at Gofore design and build electronic services engagingly with their customers. When a company senses the need for digitalization Finland´s best experts are there to give a hand. Even though digitalization has taken massive leaps within the years and even weeks, the values of Gofore have stayed the same during their decade of prosperity, the first value being a great place to work and the second being living from the success of customers.&lt;/p&gt;
&lt;p&gt;“Our employees are also extremely aware and demanding when it comes to our values. If we are having a conversation about a new project they highlight how does it make Gofore a great place to work. The ways of communicating must evolve along the way: it’s a whole different mode of communicating when there’s 200 employees compared to 50. At the end of the year 2017 there’s going to be 300 of us in total working in Tampere, Helsinki and Jyväskylä.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Digital&amp;nbsp;Artisans&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Even though big amount of crafts jobs are on the line to become extinct due to digitalization and machine learning, Kärki sees that a great place to work is created in the hands of artisans – also in the digital era.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“Even a code can be seen as a handicraft, the product or service being created with detailed and accurate work and the artisan seeing the concrete results of his achievements,” Kärki says.&lt;/p&gt;
&lt;p&gt;Gofore helps its customers in their digital transformation process by building fascinating digital services and helping the managements of organizations to see and understand the whole picture of digitalization. For Gofore’s customers, it’s critical to see the possible new competition and to understand all the new opportunities that evolving technologies and service platforms bring. One of the most important factors is the way in which the service creation is managed.&lt;/p&gt;
&lt;p&gt;“Smart people can’t be guided too much. The new model of leading means providing the best kind of working environment where it’s pleasing for the employees to develop their skills and knowledge. Increasingly, vocation and enthusiasm of the workers are the features that lead the way for both change and success.”&lt;/p&gt;
&lt;p&gt;Kärki reminds that transparency is one of the cornerstones of the new awakening business culture. Luckily, it’s also the part that is fairly easy to put in order.&lt;/p&gt;
&lt;p&gt;“Many corporations tend to keep their knowledge in hidden silos. We are not afraid that someone else might get advantage of our know-how. Instead, transparency gives us the ability create new things and gain merit out of them,” he states.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.gofore.com&quot; target=&quot;_blank&quot;&gt;www.gofore.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Our mission is to change the world through digitalization and the remaking of work culture. We design and build electronic services together, engaging with our customers. We are excited about the new digital age, which continually offers the exhilaration of new experiences.

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Gofore

The best place to work

&lt;p&gt;&lt;strong&gt;For 60 years Stera Technologies have been using the best methods to serve their customers. Now they are working with Aveso to connect their smart factories around the world.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Stera is a global system supplier for electromechanical assemblies. They offer their clients solutions all the way from design and prototyping to mass production in their Finnish, Estonian and Indian factories. Today they are in the vanguard of the Internet of Things (IoT).&lt;/p&gt;
&lt;p&gt;“Stera started the Smart Factory development program in 2014 as part of Tekes’ IoT platform,” explains &lt;strong&gt;Vesa Ohlsson&lt;/strong&gt;, Unit Manager at Stera. “The first steps were the development of robot systems cooperation, the use of sensors in tools and jigs, as well as the use of machine vision to fulfil the target of a zero defect level.”&lt;/p&gt;
&lt;p&gt;The program soon expanded as Stera developed its own sensor portfolio to give operators more information about machine utilization and preventive maintenance.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;//d3sdr36o18yw4x.cloudfront.net/w1200-h1200/editori.portal/uploads/_MG_15631_copy.jpg&quot;&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Stera has succeeded together with their customers. Productivity, quality and cost effectiveness are made with new automation systems, digitalization and motivated personnel.&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Joined forces&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;In 2016 Stera began a partnership with Aveso, a specialist in data management and software development. Aveso’s expertise with Microsoft’s Azure cloud platform and Power BI business analytics tools were a perfect fit for Stera’s smart factories.&lt;/p&gt;
&lt;p&gt;“Nowadays Stera factories are equipped with wireless sensors, cloud service and visualisation,” Ohlsson continues. “Production management use this information in everyday decisions. The system is wireless, scalable, cost effective and easy to use.”&lt;/p&gt;
&lt;p&gt;“There are many concrete benefits of this solution,” says &lt;strong&gt;Sami Heino&lt;/strong&gt;, CEO of Aveso. “Traditionally the machine monitoring was based on reporting. Now we have immediate information on operations, such as running time and capacity utilization.”&lt;/p&gt;
&lt;p&gt;Heino points out that this system can even track inventory, create purchase orders and provide guidance for predictive maintenance. Additionally, with Microsoft Power BI the solution is automatically mobile.&lt;/p&gt;
&lt;p&gt;“Cooperation was very smooth and agile with Aveso,” concludes Ohlsson. “We at Stera know how factories should be run and Aveso knows how to handle the ERP and IT systems as well as data management. This is true digitalisation that is going on in manufacturing companies!”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.aveso.fi&quot; target=&quot;_blank&quot;&gt;www.aveso.fi&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.stera.com&quot; target=&quot;_self&quot;&gt;www.stera.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt; Text: David J. Cord&lt;/p&gt;


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Aveso is an experienced partner specialised for implementing data management solutions.

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Aveso

Aveso and Stera connecting smart factories around the world

&lt;p&gt;&lt;strong&gt;A balance between business benefits and information security is not a tango for two – dancing moves can be automatized and become routine, however. Instead of tango, basketball wizards Tomi Hautala and Sami Laaksonen prefer to talk about controlled teamwork, where trust between the players also becomes key to success.&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;When a Finnish professional athlete ends their career, within a couple of years of their quitting we usually get news of one of two types: they either have sunk to the bottom of the bottle or are on their way to a successful new career. Fortunately, this story is of the latter type.&lt;/p&gt;
&lt;p&gt;Many sports fans recognize &lt;strong&gt;Tomi Hautala&lt;/strong&gt; and &lt;strong&gt;Sami Laaksonen &lt;/strong&gt;as successful, national-level basketball players. Today, the two men are successful information security entrepreneurs working in a company called Propentus Oy. The next step is to rise from national level to the international top league. “Internationalization is a big issue for us, and we’ve already started operations in the Middle East,” says Laaksonen. He has experience in information security in things like product development, and is currently responsible for marketing and partner management.&lt;/p&gt;
&lt;p&gt;Tomi Hautala, who grew up in a family of entrepreneurs and has worked at companies like Nokia is one of the company’s founders. Early on, he recruited his fellow player Laaksonen, whom he knew very thoroughly. “In this line of business, it’s very important to know each person’s background, their values and operating practices,” Hautala explains. “We have followed the same principle in the hiring of each of the 40 employees in our company,” he adds.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Business of trust with a professional sporting mentality&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The duo has internalized not only the sporting-style operating model, but also the importance of trust in your fellow players. “We utilize this combination successfully in our business,” Hautala and Laaksonen sum up.&lt;/p&gt;
&lt;p&gt;And they are right: this, if any, is a business of trust. Finding the three core values of the company was easy: skilled, productive and open. “One of our driving forces is the passion to solve problems, to do it well and in a way that is transparent for the client,” Hautala adds.&lt;/p&gt;
&lt;p&gt;Propentus’ selection of services is more than topical. The Information Security Act alone requires identity data to be stored properly at companies. At the same time, it is sensible to make sure that all collected identity data is stored in a way that best benefits the business.&lt;/p&gt;
&lt;p&gt;For this and many other questions of identity and user rights management Propentus offers cost-efficient solutions. Besides the public sector and healthcare, the company’s clientele consists of top players in the fields of energy, industry, retail and finance – as well as airport security.&lt;/p&gt;
&lt;p&gt;“This is purely a question of a proven and trustworthy partner automatizing a company’s identity and user rights management routines, i.e. the processes of granting, modifying or removing rights, and producing real-time information for supporting business. This improves information security and eliminates unnecessary licensing fees,” Hautala sums up the benefits for clients.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;At the end of our meeting at the Hotel Torni in Helsinki, I shake the hands of the two basketballer-entrepreneurs: the handshake is firm and the eye contact direct.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.propentus.com&quot; target=&quot;_blank&quot;&gt;www.propentus.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Päivi Remes&lt;/p&gt;


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Propentus is a Finnish enterprise software company specialized in centralized identity and access right management. We help our customers operating in global business environments to make versatile use of identity master data to boost and automate their business processes.

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Propentus

The importance of trust and security in the playing courts of the digital age

&lt;p&gt;&lt;strong&gt;Wapice was born in the Internet of Things. In fact, when it was founded in 1999 what we today call the IoT didn’t even have a name. Instead people referred to a mobile internet for industry.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Headquartered in Vaasa, the company has over 300 specialists in eight locations across Finland. Wapice specialises in the industrial internet: they create tailored solutions for their clients but also have a unique offering, IoT-Ticket.&lt;/p&gt;
&lt;p&gt;“IoT-Ticket is a complete platform covering data acquisition, analytics, dashboard and reporting,” explains CEO &lt;strong&gt;Pasi Tuominen&lt;/strong&gt;. “It is browser-based and is very easy to use. For instance, you can build a working dashboard in 30 minutes.”&lt;/p&gt;
&lt;p&gt;The IoT-Ticket platform can be thought of as a concept similar to a suite of office programs. You can create reports as easy as writing a document, analyse like with a spreadsheet, or build a dashboard as you would create a presentation.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;blockquote&gt;&lt;p&gt;&lt;strong&gt;“The IoT-Ticket platform can be thought of as a concept similar to a suite of office programs.”&lt;/strong&gt;&lt;/p&gt;&lt;/blockquote&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;The dashboard has over 30 widgets in order to visualise data, and functionality can be added simply by connecting blocks of data to logic and widget blocks. Real-time alarms and notifications can be created by user-defined events, while reports can be created using templates.&lt;/p&gt;
&lt;p&gt;“Some of the main uses for IoT Ticket are with mobile machines, buildings and production lines,” Tuominen continues. “For instance, you can track how and where a bus or truck is being used. A building can monitor its temperature and purchase energy for heating or cooling when the price is cheapest. Advanced condition monitoring can enable predictive maintenance in a pulp and paper factory.”&lt;/p&gt;
&lt;p&gt;Another field Wapice has entered is 3D and augmented reality to deliver new service and support experiences for industry. A mobile device can be used to see the internal functioning of a motor, for instance, or where electric wires run in a building’s walls.&lt;/p&gt;
&lt;p&gt;“You can even retrieve information from the cloud by imaging a barcode or logo,” Tuominen says. “In health care, you can get patient info from an image of the patient’s face. This is not theory; this is possible in practice.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.wapice.com&quot; target=&quot;_blank&quot;&gt;www.wapice.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: David J. Cord&lt;/p&gt;


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Full-service Software CompanyFounded in 1999, Wapice is a Finnish full-service software company whose solutions are used by domain leading industrial companies around the world.Digitalization forerunnerWe offer close technology partnership and digital services to our customers. Our goal is to make the best use of digitalization opportunities.Succeeding togetherWe enhance our customer's business and bring them to the forefront of digitalization. The success of our customers is vital to us as it also a precondition for our own success.

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Wapice Oy

Wapice delivers success with IoT-ticket

&lt;p&gt;&lt;strong&gt;They seek for efficiency and are offering their field of business new models to evolve. However, Huhtamäki Brothers Attorneys is not a startup. It is the first Finnish law firm that specializes in competition law and dispute resolution.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Five university degrees, nearly two decades worth of experience in some of the most respected law firms, and two doctoral dissertations on the way. Behind all this expertise stands two determinant young men originally from Espoo, competitive siblings who decided to establish Huhtamäki Brothers, a new law firm in 2017. Even though the startup trend has reached its branches to the law sector as well, &lt;strong&gt;Matti&lt;/strong&gt; and &lt;strong&gt;Heikki&lt;/strong&gt;, who are both members of the Finnish Bar Association, see their entrepreneurial journey as a life-long deal, a lifestyle that helps companies to defend against infringements, and thus not as a startup.&lt;/p&gt;
&lt;p&gt;“The perspective and vision of our newly found business spans 20 years rather than a few years, as startups tend to have,” the elder brother Matti explains.&lt;/p&gt;
&lt;p&gt;Despite valuing their previous employers, in 2016, Matti and Heikki felt their calling was to create a service that better resembles their ideals and enables them to encounter customers and give them personal service.&lt;/p&gt;
&lt;p&gt;“We highly appreciate our profession and the ethics involved. By operating as a specialized smaller firm, we have more opportunities and capabilities to focus on efficiency and customer orientation than big organisations could offer to us and our clients,” Heikki discusses.&lt;/p&gt;
&lt;p&gt;When receiving legal advice, the customer needs to be able to trust their counsel and to be sure from whom the advice is coming from.&lt;/p&gt;
&lt;p&gt;“In Big Law, it’s not always possible to sort out from whom the requested advice is coming from. With us it’s easy: our clients personally know who is advising them. In our experience, the chemistry between the attorney and the client is integral to successful representation,” Matti adds.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;From Competition to Cooperation&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Like all partnerships, brotherhood grows in competitive circumstances.&lt;/p&gt;
&lt;p&gt;“We’ve been competing literally in everything since we were kids. When Heikki got into law school, I knew I needed to hurry to graduate before him. He is a missile, both in terms of academic and working life. Even though we have just started working together, Heikki has professionally made a name for himself. Diligent and honest, the best possible background for a partner, even if he wasn´t my brother.”&lt;/p&gt;
&lt;p&gt;While Heikki has determined the speed, Matti has been the voice of wisdom along the way.&lt;/p&gt;
&lt;p&gt;“Voice of reason, that’s even his nickname in our group of friends. As a big brother, he has always been on my side and given the most reasonable advice also to me. Since we are friends and brothers, there is no such thing that we couldn´t discuss in depth as partners as well.”&lt;/p&gt;
&lt;p&gt;At the beginning of his law studies Matti’s dream job was to become a sports agent.&lt;/p&gt;
&lt;p&gt;“My intention was to represent ice hockey players, and it would not have been more than a couple of phone calls away, but after graduation I quickly realized that becoming an attorney was much more intriguing. Nevertheless, I have had the opportunity to represent athletes, clubs and federations in their legal matters.”&lt;/p&gt;
&lt;p&gt;After experiencing both global and local elite law firms, Matti wanted to do things differently.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“I had had enough of certain routines that slow down the efficiency of providing the best possible legal advice. I knew there were plenty of more effective ways to get things done”&lt;/p&gt;
&lt;p&gt;While Matti followed his calling, Heikki had the need to seek for righteousness. Even though outgoing and social are not the most common features of attorneys-in-law, he enjoyed his studies and noticed, first as a judge then counselling as an attorney, that his social qualities were crucial in solving difficult conflicts that others might see as frightening or burdensome.&lt;/p&gt;
&lt;p&gt;“I see conflict situations as positive challenges and enjoy solving them.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;……………&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Heikki A. Huhtamäki&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Attorney-at-Law&lt;/li&gt;
&lt;li&gt;Doctor of Laws student&lt;/li&gt;
&lt;li&gt;Trained on the Bench designation, Vaasa Court of Appeal 2012&lt;/li&gt;
&lt;li&gt;Licentiate in Laws, University of Lapland 2010&lt;/li&gt;
&lt;li&gt;Master of Science (Econ.), University of Vaasa 2010&lt;/li&gt;
&lt;li&gt;Master of Laws,&amp;nbsp;&lt;/li&gt;
&lt;li&gt;University of Lapland 2008&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Matti J. Huhtamäki&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Attorney-at-Law&lt;/li&gt;
&lt;li&gt;Doctor of Laws student&lt;/li&gt;
&lt;li&gt;LL.M., Cornell University Law School 2011&lt;/li&gt;
&lt;li&gt;Master of Laws, University of Lapland 2007&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.huhtamakibrothers.fi/&quot; target=&quot;_blank&quot; style=&quot;background-color: rgb(255, 255, 255); color: rgb(232, 30, 2);&quot;&gt;www.huhtamakibrothers.fi&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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We are Matti J. Huhtamäki and Heikki A. Huhtamäki, the founding partners of Huhtamäki Brothers Attorneys, members of the Finnish Bar Association and experienced attorneys-at-law. We are the first Finnish law firm to specialize in competition law and dispute resolution.

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Huhtamäki Brothers

Brothers &#038; Partners

&lt;p&gt;&lt;strong&gt;It’s shocking. 92 billion bottles of water are sold in Europe every year. Many of those bottles end up along our roads and in our waterways. Besides this, an enormous amount of energy is used to process, ship and store bottled water. Thoreau knocks out bottled water by producing top quality water on the spot.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Thoreau uses local tap water, filters it, chills it, and serves it as still or sparkling. It provides top quality water without the waste of bottling and transporting water over long distances. Filtered water also enhances delicate flavours in food and drinks.&lt;/p&gt;
&lt;p&gt;Thoreau is a Swedish design concept named after the philosopher Henry David Thoreau. He wrote about sustainable choices and natural resources, and it was only natural to name the concept after him.&lt;/p&gt;
&lt;p&gt;Today Thoreau is used by restaurants, hotels, convention centres and businesses which simultaneously demand high quality and environmentally sustainable methods. The Thoreau concept includes the machinery, designer glass bottles, installation, maintenance, carbonators and filters. At a fixed monthly cost you can drink and serve locally produced water – still or sparkling.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Sales and marketing by Mixtec Oy. &lt;a href=&quot;http://www.mixtec.fi&quot; target=&quot;_blank&quot;&gt;www.mixtec.fi&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: David J. Cord&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;


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Mixtec Oy tarjoaa monipuolisia juoma-alan ratkaisuja HoReCa-alan yrityksille ympäri Suomen.

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Mixtec

Thoreau knocks out bottled water

&lt;p&gt;&lt;strong&gt;The prophecy tells that blockchain is going to revolutionize the world of information technology. Not only will it replace database solutions of financial activities but also the whole field of business is going to witness a new dawn.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;H.E.A.T. Ledger is a newly found Finnish startup whose founders &lt;strong&gt;Svante Lehtinen&lt;/strong&gt; and &lt;strong&gt;Dennis de Klerk &lt;/strong&gt;are also the masterminds behind Finland’s first cryptocurrency FIMK, launched in 2014. While FIMK was a token of a non-profit association Finland’s second cryptocurrency HEAT has been created for businesses – optimized for speed and architected for example crowdfunding and any kinds of public stock arrangements. HEAT embodies a completely new way of structuring cryptocurrency and asset ledger.&lt;/p&gt;
&lt;p&gt;“HEAT is technically a dual layer crypto platform where blockchain is able to sustain throughput of at least 1000 transactions per second 24/7. The problem with commonly known Bitcoin has been that it´s too slow for business use,” &lt;strong&gt;Svante Lehtinen&lt;/strong&gt; explains.&lt;/p&gt;
&lt;p&gt;Blockcain is a distributed database of any events, that once recorded can´t be altered anymore.&lt;/p&gt;
&lt;p&gt;“HEAT’s blockchain solutions have far superior security, flexibility, and cost effectiveness compared to legacy IT systems. While it might be hard to see the advantages of blockchain now, when the need comes it might already be too late. We are the system supplier, the middleware for new generations.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.heatledger.com&quot; target=&quot;_blank&quot;&gt;www.heatledger.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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HEAT Ledger is 3rd generation cryptocurrency with high frequency trading, instant messaging, custom assets, hybrid PoS reward system and more.

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H.E.A.T. Ledger

Finland&#8217;s second cryptocurrency heats up the revolution of it

&lt;p&gt;&lt;strong&gt;Plastic has dominated the field of electronic payments for over a half of century. Now Euroloan brings&amp;nbsp;a new, easy payment method that lets customers buy now and pay later. No card, no PIN code, no hassle.&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Spring blossomed early this year for traders and shopkeepers, who have eagerly been waiting for new safe ways to improve opportunities to make easily affordable buying decisions. Merchants and shopkeepers using Verifone´s payment device can now offer their customers a 14 day interest-free payment period, during which Euroloan bears the credit risk. Customers can also choose to pay the invoice in instalments.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“This is a great advantage for customers. Paying by invoice is as easy as with a card. There is no rush and no need to make a final decision in the cashier queue. The customer can later, at home, select to pay the invoice in one go or in instalments. This flexibility also increases customer satisfaction,” &lt;strong&gt;Petra Mengelt&lt;/strong&gt;, Director of Customer Experience at Euroloan, explains.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Invoicing in matter of seconds&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Euroloan is a rapidly growing international finance group specialized in financial technology in the consumer finance sector. When customer chooses to pay with an invoice provided by Euroloan, the automated verification of the customer’s credit rating can be verified in real-time. The customer just punches in her social security number and the verification process is fully automated. Without submitting any forms, the invoice can be written up to 2,000 euros in just a few seconds. The merchant gets the total payment straight away to his company´s bank account while customers get the invoice directly to their home address. Sharing a couple of more additional pieces of information lets Euroloan’s invoice be raised up to as much as 10,000 euros. Providing this service option costs nothing for the merchant, and it can be offered under the merchant’s brand as a white-label service.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“In our view, customer service is at its best when it reaches you 24/7 whether it be credit limits, loans, money transfers or invoice payments you need. We aim to make everything run as smoothly as possible,” says &lt;strong&gt;Jussi Pennanen&lt;/strong&gt;, Head of New Business Development at Euroloan.&lt;/p&gt;
&lt;p&gt;“Even though most of our processes are automated and happening in real-time, a computer remains a machine.&amp;nbsp;At Euroloan, a real person is always waiting to answer your calls to customer service when needed. Nowadays, digital FinTech can be more customer oriented than a traditional bank,” Mengelt adds.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;The cornerstones of Euroloans customer service is fast, fair and fresh: credit decisions are made quickly with the help of automated processes; openness and integrity makes both the working environment and the customer service fair; and its agile business model lets the company always offer the fresh new solutions in a rapidly changing financial sector. According to recent surveys of the Net Promoter Score, NPS, Euroloan’s customer experience has surpassed that of several banks, and currently sits near the top of European levels. The Finnish company currently has 60 employees in Helsinki, Stockholm, Warsaw and Luxemburg.&lt;/p&gt;
&lt;p&gt;“Our FinTech know-how creates a revolutionary new environment in which we create new things together, be the forerunner, and challenge the status quo. Many FinTechs are just starting their journey. We have worked in the field of digital finance for ten successful years. That gives us an advantage when creating new services for the consumer finance sector. We have the top experts and coders working here,” Mengelt says.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.euroloan.com&quot; target=&quot;_blank&quot;&gt;www.euroloan.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Euroloan on perustettu vuonna 2007. Vuosien mittaan olemme palvelleet yli 100 000 tyytyväistä asiakasta. Olemme on puhtaasti kotimainen yritys: koko tuotantomme on Suomessa suunnittelua ja tuotekehitystä myöten. Uskomme vahvasti suomalaiseen osaamiseen ja arvostamme kotimaista ammattitaitoa.Tarjoamme asiakkaillemme henkilökohtaisen luottorajan, ympäri vuorokauden auki olevan asiakaspalvelun sekä kätevän my.euroloan-nettipalvelun oman lainan hallinnointiin. Olemme turvallinen ja luotettava valinta: Euroloanilla on kansainvälinen tietoturvallisuuden sertifiointi (ISO 27001).

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Euroloan

Euroloan&#8217;s and Verifone&#8217;s new collaboration: Automated invoicing from payment terminals

&lt;p&gt;&lt;strong&gt;Even though new generations might never step their feet in traditional banks, Ikano Bank believes that a real person that has time for customers face to face is the most important foundation for low threshold financial solutions.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Simplifying and common sense – not exactly foregone conclusions in banking industry. But for Ikano Bank, common sense, working together and daring to do things differently are its core values.&lt;/p&gt;
&lt;p&gt;“We believe in quality management. Even though we are financial professionals, services that we offer need to be simplified, clear and transparent, also to our customers. Working together happens not only inside our workplace but also with our customers,” &lt;strong&gt;Toni Halme&lt;/strong&gt;, the Head of Business Line at Ikano Bank, explains.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Leasing&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Ikano Bank belongs to the family-owned Ikano Group which was born among the Swedish furniture giant IKEA. Ikano Bank has been the forerunner financier for decades: it offers companies leasing to cover almost any kind of furniture and equipment purchases. Leasing is flexible, competitive and safe option to invest without the need to tie up capital. In fact, leasing can be more profitable way to invest compared to buying.&lt;/p&gt;
&lt;p&gt;In leasing company pays only for the usage of the equipment.&lt;/p&gt;
&lt;p&gt;“The culture of ownership is fading. However, a competitive company needs to have up-to-date equipment. Any equipment that has an aftermarket can be financed with leasing, in which case company’s cash flow stays smooth and cash reserves can be released for business development.”&lt;/p&gt;
&lt;p&gt;Formally, leasing is renting of fixed assets, employee cars and computers are commonly known examples of it. Recently more and more ICT companies, small equipment manufacturers and sellers and especially healthcare services have found leasing as a purpose-built financial solution that fits their individual needs. In Ikano Bank, the financed amounts start from 1,000 euros and the leasing periods from 12 months.&lt;/p&gt;
&lt;p&gt;“The overall impression towards leasing has changed to more eligible and wanted.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;blockquote&gt;&lt;p&gt;&lt;strong&gt;“The traditional banking industry is about to go through a massive fragmentation in few years. New innovations are emerging, and banks specialize in specific industries.”&lt;/strong&gt;&lt;/p&gt;&lt;/blockquote&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Positive Disruption&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The traditional banking industry is about to go through a massive fragmentation in few years. Toni Halme sees that the disruption of banking is generally a positive thing. New innovations emerging, even more banks specialize in specific industries.&lt;/p&gt;
&lt;p&gt;“There will be lots of new challengers and things will be done in a whole new manner, totally different services will be at hand. For customers, this is only a good thing. We can’t forget our existing customers and we can’t close out new innovations either. Banks need to have systems that are easily scalable so that they have the capacity to tailor their products to meet their customers’ individual needs. This is where we need different kinds of new digital solutions.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.ikanobank.fi&quot; target=&quot;_blank&quot;&gt;www.ikanobank.fi&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Ikano Bank AB kuuluu Ikano Ryhmään, jonka juuret ovat Etelä-Ruotsissa, Smoolannin Älmhultissa. Niissä maisemissa Ingvar Kamprad perusti IKEA-konsernin 1940-luvulla. Nuori Kamprad sovelsi liiketoimintaan Smoolannissa oppimiaan asioita – ahkeruutta, säästäväisyyttä, innovatiivisuutta sekä mutkatonta ja käytännöllistä lähestymistapaa ongelmanratkaisuun. Asioiden tekeminen eri tavalla kuin perinteisessä kalusteteollisuudessa oli välttämättömyys.

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Ikano Bank

Invest without capital

&lt;p&gt;&lt;strong&gt;The digital disruption is not only about digitization of current business, but also about finding completely new business models and opportunities. It is a revolution where small local operators also have tremendous growth potential.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Intelligent devices and machines connected to the Internet, especially in industry, have collected data about their operations, efficiency, usage and everything else for a long time. Now the work is in progress for gathering this information from different sources, analyzing it extensively and cross-referencing it. The devices discuss with each other, preferably in real time. Use of the IoT is at its early stage yet, but its possibilities are limitless.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;A good example is Enevo, a Finnish company, which has developed a solution for collecting data about the filling rate of waste bins. The value chain relating to the system has several beneficiaries. It has made the operations of the companies belonging to its chain of activities more effective and generated financial savings and greater transparency.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Enevo – Finnish knowhow&amp;nbsp;to the world&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Like many great innovations, Enevo’s solution arose from a practical insight. &lt;strong&gt;Johan Engström&lt;/strong&gt;, one of the company’s founders, noticed the large waste management costs of his housing company. Garbage trucks came to empty the waste bins according to the agreed schedule whether the bin was full or empty.&lt;/p&gt;
&lt;p&gt;Together with his partner &lt;strong&gt;Fredrik Kekäläinen&lt;/strong&gt;, Engström developed a sensor that wirelessly tracks usage rate of the waste bin and the estimated time when it will be full. With the help of this information, garbage trucks will pay a visit only when needed.&lt;/p&gt;
&lt;p&gt;The company’s story began in 2010. Now, Enevo’s sensors are in tens of thousands of waste bins around the world. Enevo’s clients are brokers and waste consultants. The data provided by Enevo sensor is highly valuable, because they can see how much waste is collected, and can then time the collections effectively.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;DNA enables the Industrial Internet&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;An IT service provider is an essential part of the IoT even though often invisible or even forgotten. Without a professional service provider, a creator of connections, intelligent devices do not change information or discuss with each other.&lt;/p&gt;
&lt;p&gt;“Our expertise is in understanding the customer’s needs, and knowing how to offer solutions that best serve them. For Enevo, sensors are in waste bins that must endure even rough handling, large temperature variations and washing. Then the M2M service has to be planned for such conditions. So for them we recommended an industrial SIM card that is soldered into the device. Through us, they will also have the best roaming partners around the world”, says &lt;strong&gt;Tapio Haantie&lt;/strong&gt;, IoT Business Manager at DNA.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.enevo.com&quot; target=&quot;_blank&quot;&gt;www.enevo.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.dna.fi/yrityksille&quot; target=&quot;_blank&quot;&gt;www.dna.fi/yrityksille&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Leena Filpus &lt;/p&gt;


DNA:n tekemisen keskiössä on asiakas: haluamme erottua erityisesti asiakaskokemuksella. Tarjoamme yksityisasiakkaille yhteydenpidon, turvallisuuden ja viihteen monipuoliset tietoliikennepalvelut. Yrityksille tarjoamme helposti käyttöönotettavia, turvallisia ja laadukkaita viestintä- ja asiakasverkkopalveluja. Tavoitteenamme on auttaa asiakkaitamme menestymään tuottavuutta parantavilla ICT-palveluilla.

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Internet of things is the new black

&lt;p&gt;&lt;strong&gt;Traditional financial services being swept under the new constructions of banking industry, one might never step his foot in an old school bank office again. Nonetheless, consumers being the ones leading the disruption, their role will rise in the new dawn of banking.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Traditionally, customers have been seen as a risk or a challenge. Bisnode is trying to shake this view and show that customer are actually the opportunity. The company’s mission is to make the world a little bit smarter by analyzing complex data. Among others Bisnode identifies target groups, generates orientation, assists in smart decision making and analyzes data about markets and customer satisfaction. The company of 2,400 employees in 18 European countries has access to almost every type of information there is available from offline registers and documents to online footprints.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;“We help our clients to choose the best customers. We use our databases to identify the customers, analyse what they want and what kind of marketing or media is needed to get the message through and to get in touch with the consumers. In banking, it’s crucial to estimate customer’s potential and their value of collateral,”&amp;nbsp;&lt;strong&gt;Jukka Hyttinen&lt;/strong&gt;, Director of Marketing &amp;amp; CEM Solutions at Bisnode, says.&lt;/p&gt;
&lt;p&gt;Consumers interact with brands in various ways and through many different channels. Bisnode gives a consistent, multichannel and up-to-date consumer view – to get better consumer relations, companies need to truly know their consumers. Whatever kind of decisions are being made, Bisnode’s approach is one and the same: to improve efficiency, quality and consistency by automating the decision-making process. Critical and correct information makes the business run efficiently, reduces risks and secures progress.&lt;/p&gt;
&lt;p&gt;“Consumers have the power to decide what will be done next and how much information they are willing to share to get better products and service. We have massive amounts of data that can be analysed smartly to predict consumer behaviour in the new markets and be used as a basis in decision making and creating consumer engagement,” Hyttinen states.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Strenghtening of&amp;nbsp;Financial Regulations&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;There has been a lot of discussion about the new EU legislations that will force banks to open their interfaces and information. Producing the reports that financial regulations require are the ones that affect the prices. Bisnode helps financial players to compliance automatically so that companies’ cost-effectiveness won´t be at stake. With global Dun&amp;amp;Bradstreet network Bisnode offers a unique possibility for worldwide and automated data check. Among others, Bisnode helps banks to perform automated verification of the foreign account tax compliance (FATCA) of US citizens, required by the new legislation. The evaluating of vehicle or property prices can also be done securely, seamlessly and real-time, which assists companies to release more capital in other financial activities within the framework of the laws of banking.&lt;/p&gt;
&lt;p&gt;“For many global export companies it´s extremely important to identify both the customer’s and supplier’s validity and company’s rating. With the help of our Dun&amp;amp;Bradstreet network our customers get direct savings in their data management, the information about companies being globally convergent and open.”&lt;/p&gt;
&lt;p&gt;However, Hyttinen reminds that in the long run the focus should always be in the customer experience.&lt;/p&gt;
&lt;p&gt;“Personally, I believe that we can achieve a lot via open data. People will eventually stop using a service, if any of the data that they have shared is being used under false pretences. Consumers have always the ultimate saying and an option to choose. The regulations are not the ones that affect their decision making, it’s the customer experience and price that matter. Automate processes lower the prices of data management and retain the cost-effectiveness of financial services.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.bisnode.com&quot; target=&quot;_blank&quot;&gt;www.bisnode.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;……………&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;DATA PRODUCTS&amp;nbsp;&amp;amp; SERVICES&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Risk management and&amp;nbsp;company data world-wide&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Bisnode collects and manages any data, they represent the world’s largest supply of credit registry: more than 200 countries and more than 200 million companies.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Consumer data from Europe&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Bisnode updates consumer data for marketing purposes with their patented, smart and self-learning identification system for over 100 companies. In addition, Bisnode produces prediction and classification data about consumer behavior.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Voice of Customer solutions&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Bisnode helps measure customer experience to encounters with sales, online shops, online services, deliveries and customer service in real time. Bisnode collects vast amounts of information directly from the customers through discussions on social media and online and refines the information into a form that is useful in terms of customer experience management.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Bisnode toimii tällä hetkellä 19 maassa ja olemme yksi Euroopan johtavista smart datan tarjoajista. Organisaatiossamme työskentelee 2 100 ihmistä, jotka rikastavat kulttuuriamme kokemuksillaan, huumorillaan sekä osaamisellaan. Paikallisuus on suuri etu asiakkaillemme. Tämä tarkoittaa sitä, että pystymme toimimaan nopeasti ja joustavasti vastatessamme asiakkaiden haasteisiin. Samaan aikaan pystymme hyödyntämään suuryrityksen muskeleita ja resursseja tarvittaessa.

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Bisnode

Making the world smarter with consumer data

&lt;p&gt;&lt;strong&gt;Open banking is said to bring better deals for customers and generate more competition and innovation in financial services.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;According to CGI, one of the world’s largest independent providers of information technology services, the rise of open API banking is the game changer for the financial industry worldwide. Automated and real-time customer information sharing, transaction initiation and new payment mechanisms will enable both retail and corporate banks to better respond to the growing demands of their customers. Those that decide to unleash the true potential of customer data will have the opportunity to increase revenue and profitability.&lt;/p&gt;
&lt;p&gt;“The new market place is a customer-centric platform where everything is associated with changing consumer behaviour. PSD2 legislation that will take effect in January 2018 within SEPA member states will eventually force banks to open their interfaces and information. Third parties will get access to customer data, which will bring forth new service innovations in payments and new kind of competition to the banking industry,” &lt;strong&gt;Mikko Pilkama&lt;/strong&gt;, the Vice President of CGI´s Banking Services, says.&lt;/p&gt;
&lt;p&gt;The PSD2 mandates account-holding banks or other payment service providers to facilitate secure access via APIs to their customer account data and payments initiation services with the account holder consents. To provide this secure access to accounts, banks must enable seamless customer and provider identity verification and authentication process.&lt;/p&gt;
&lt;p&gt;CGI provides business consulting and IT services that allow financial services organizations to minimize upfront investments while achieving significant business outcomes from this change. CGI helps its customers to find their position in the new banking game and to create an implementation roadmap for open banking readiness including IT solutions like API management. This in turn enables banks to innovate new services in companionship with FinTech companies and to find new billable services.&lt;/p&gt;
&lt;p&gt;“There is no point of building individual bank IT towers anymore. Traditions crumbling and revenue models changing, the banks now have opportunity to work together with FinTechs and concretely monetize the different prospects that open APIs and digitalization of distribution channels will enable. The future banks aren’t providing services only for their current customers but also for the customers of FinTech companies, other banks and companies for example telcos, healthcare and insurance companies. This change is a possibility for those who welcome it with positivity. Usually it´s the company´s own business culture and management beliefs that are standing on the way,” Pilkama reminds.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;New Roles of Banks&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;CGI helps their banking customers to unleash the potential in this change. It all starts from the readiness assessments and strategic positioning, that covers banks operating mode, IT architecture and banks’ current solutions like the identity management, APIs, cyber security, data management/BI and compliance readiness.&lt;/p&gt;
&lt;p&gt;According to CGI, opening APIs to third parties allows banks to play one of the following new roles. As an integrator bank continues to control both production and distribution of products and services. Bank can also focus on development of products and services and distribute those via third parties and become a producer. If bank focuses on distribution of products and services created by third parties, it will take a distributor role. When retaining a stake in both production and distribution by acting as a market, bank can transform into a platform.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Security as a standard&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The worst-case scenario would be a Wild West where everyone´s bank account history with their financial information would be revealed to the public.&amp;nbsp;Therefore, only common agreed rules, data formats and standardized solutions will enable the innovation in financial services. This is also what the consumers want and need. CGI enables a transition that is well controlled for the banks.&lt;/p&gt;
&lt;p&gt;“It would be very welcome for the whole industry to be able to agree common data standards, run processes and information fields to be shared down to as much details as needed. Otherwise, I am afraid, individual banks, typically the big ones, will create their own data standards and processes which all differ. This can only harm the noble idea of the European regulators of creating more competition and common rules across SEPA area and thus better and cheaper financial services to the consumers in Europe.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.cgi.com&quot; target=&quot;_blank&quot;&gt;www.cgi.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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CGI was founded in 1976 in Québec City by Serge Godin and André Imbeau. At the time, “CGI” stood for “Conseillers en gestion et informatique,” which translates to “Consultants in management and information technology.” As we grew into a global company, we became known as simply CGI.Today, there are 68,000 of us working across the globe. Together, CGI's professionals have built one of the leading IT and business process services companies in the world with a long track record of service excellence, innovative services and solutions, and sustainable profitable growth.

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Time to open up

&lt;p&gt;&lt;strong&gt;The yarn of nationalism and protectionism is spreading across the American and European Commerces in China. At the same time, China’s growth is slowing down causing the world´s biggest market to tighten up its capital control and make strong restrictions to their cross border payment flows. Foreign companies are now looking for a new Chinese rule book.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Handelsbanken is the most international bank in the Nordic region and stands by to assist corporations in more than 20 countries and in China, they’ve done business for already 35 years. Handelsbanken’s local branches are the kings of the pile having the access to various trade markets – all the way from Shanghai, Singapore, Mumbai, Jakarta and Sydney to Rovaniemi.&lt;/p&gt;
&lt;p&gt;Even though a shift is seen in the way that one should engage business with Chinese counter-parties, China is still a huge, important and interesting opportunity for foreign companies. The country of over 1,3 billion people offers massive possibilities in investment and consumption. Five years ago, when the economy of China was on the upswing it was the companies selling mining and construction equipment that where enjoying the profits. Now, the area of brightness is in the consumer space.&lt;/p&gt;
&lt;p&gt;Ten years ago, “one size fits all” was the rule book, and all sectors where enjoying good business in China, but now the market is more complicated,” &lt;strong&gt;Johan Andrén&lt;/strong&gt;, the General Manager of Handelsbanken Hong Kong, states.&lt;/p&gt;
&lt;p&gt;In the early days of China’s opening to the outside world, China had a rather restrictive attitude towards foreign investments in China.&amp;nbsp;In most industries, foreign investors were only permitted&amp;nbsp;to own 50% of companies, which were defined as Chinese Foreign Joint Ventures. In other industries, foreign ownership of companies was strictly forbidden.&lt;/p&gt;
&lt;p&gt;Now, China has deregulated foreign direct investments into China, although specific industries are still out of reach. The so-called investment catalogue still exists but the black list itself is a lot shorter than previously with restrictions only in industries like media, internet, car manufacturing and mobile network operations.“China is a one-party state that wants to control the information flow, which explains the restrictions in media and telecommunications,” Andrén says.&lt;/p&gt;
&lt;p&gt;Another area which China has deregulated is the capital markets. Cross border payment flows in and out of China, which previously were strictly controlled, has in recent years enjoyed a more relaxed control environment. The Chinese Central Bank is supporting the internationalization of the Chinese currency and free capital flows have been on the agenda. Recently, due to the weakening of the currency and subsequent capital flight from China, the internationalization trend has taken a step backwards.&lt;/p&gt;
&lt;p&gt;“This is hopefully only a temporary state and the general deregulation and reform of the Chinese market should prevail – apart from the vulnerable areas,” Andrén explains.&lt;/p&gt;
&lt;p&gt;Currently, China is one of Handelsbanken’s most important areas of international business, and the reason is clear: the yearly export from Finland to China is about 2,5 billion euros and from China to Finland even more than that. In addition, there are more than 400 Finnish companies in China which employ tens of thousands of people locally.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;The Champion of Globalization&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Despite the decreasing numbers in GDP growth, the future of China looks bright. The world´s biggest stock market, in respect to daily turnover, is in Shanghai, the second in Shenzhen and only third comes the renowned New York Stock Exchange. China´s president Xi Jinping truly wants to be the champion of the globalization and has managed to take hundreds of millions of Chinese people out of poverty and is transforming the economy from an investment and export driven growth model towards a more sustainable consumption driven growth model.&lt;/p&gt;
&lt;p&gt;On the other hand, if there shall be more protectionism and nationalism detected from the U.S. and Europe the intra-Asian trade will become much more accessible for China. China has launched several international initiatives, such as the Belt and road project which aims to create economic growth and stability through investments in 62 countries along the ancient Silk Route and the seaways towards Africa and the Mediterranean Sea. The old networks of trade are re-appearing from the dust.&lt;/p&gt;
&lt;p&gt;“Trade can be seen as a positive factor in the conflicts that China has in the South China Sea. Trade stabilizes the effects of tensions in Asia,” Andrén says.&lt;/p&gt;
&lt;p&gt;When it comes to the U.S. president Donald Trump and his clear messages about the new administration’s trade policy, one positive is that China clearly understands that change is necessary in order to maintain relations with the United States.&lt;/p&gt;
&lt;p&gt;“In a way, China appreciates that there are no hidden messages and that the other side’s opinion is made crystal clear. The new U.S. administration is transaction based and not so much policy based which gives clarity in to the communication,” Andrén discusses.&lt;/p&gt;
&lt;p&gt;“Whoever is involved in trade and investments in China needs to pay attention to the changing complexion of globalisation. Knowledge is important when navigating in changing global world and Handelsbanken does comprehensive economic reviews about the business atmosphere of international trade and cooperates with companies in all this,” &lt;strong&gt;Jukka Kuusala&lt;/strong&gt;, Head of Trade &amp;amp; Export Finance &amp;amp; Cash Management Sales at Handelsbanken Finland, adds.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.handelsbanken.com&quot; target=&quot;_blank&quot;&gt;www.handelsbanken.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Text: Pauliina Toivanen&lt;/p&gt;


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Handelsbanken was founded in 1871. Today it is one of the leading banks in the Nordic region and Europe’s most cost-effective bank. Handelsbanken is one of the most solid and profitable banks in the world. Since 1989, when the first customer survey was conducted, we have had the most satisfied customers among the major Nordic banks.&nbsp;

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Handelsbanken

Eyes fixed on China&#8217;s consumer space

&lt;p&gt;&lt;strong&gt;Specialising in building services technology design, property management consulting and software services, Granlund aims to double its net sales for the second time.&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;In its Granlund 2020 strategy, the Group has set the bar high. By 2020, Granlund aims to be an international group of companies that has almost doubled its net sales and number of personnel.&lt;/p&gt;
&lt;p&gt;“We simplified our growth targets into two figures: EUR 100 million and 1,000 people. We aim high because we firmly believe in our competence and experts. Now we all are pulling together to achieve our targets,” says CEO &lt;strong&gt;Pekka Metsi&lt;/strong&gt;.&lt;/p&gt;
&lt;p&gt;Last year, Granlund extended its geographical coverage in Finland, increased the number of personnel considerably and expanded its business operations abroad, too.&lt;/p&gt;
&lt;p&gt;“The number of our personnel has increased by nearly 100 per year and during the past two years, we have expanded to 10 new locations, two of them abroad. Development has certainly been fast,” Metsi comments in summary.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Holding on to the 96% personnel satisfaction&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;However, alongside growth, Granlund wants to emphasise well-being—among both its personnel and its customers.&lt;/p&gt;
&lt;p&gt;“We want to grow without compromising our personnel’s well-being and our investments in the development of both the personnel and the business operations. Our personnel satisfaction rate is 96% and we aim to hold on to that. We believe that happy and healthy personnel create well-being for our customers, too,” Metsi emphasises.&lt;/p&gt;
&lt;p&gt;The company also wishes to bring the well-being of building and property end-users to centre stage in the discussion carried out in the sector.&lt;/p&gt;
&lt;p&gt;“People spend 90% of their time indoors so our sector has quite an impact on how people feel.”&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Innovation as growth drivers&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The foundation of Granlund’s success story is research and development—in addition to the business strategy, the Group has created a separate innovation strategy. The Group makes significant investments in innovation and development, amounting to approximately 7–8% of its annual net sales.&lt;/p&gt;
&lt;p&gt;“Our innovation investments are high for a company operating in the construction and property sector. Nevertheless, innovation and development activities are an optimal tool for supporting the achievement of the company’s growth targets. Our organisation does not question development activities,” notes Tuomas Laine, Director of Granlund’s Innovation and Development department.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;You can learn more about Granlund at&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.granlund.fi/en&quot; target=&quot;_blank&quot;&gt;www.granlund.fi/en&lt;/a&gt; and in social media channels&amp;nbsp;&lt;/p&gt;


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Granlund specializes in design, consultancy and software services. The core of our expertise is energy efficiency. In Finland we are the leading expert in all our speciality areas. We focus on innovation and development of new energy solutions, information technology and integrated design.Granlund was established in 1960. Today Granlund group has several locations in Finland, and employs more than 700 professionals. We also have offices in Shanghai and Dubai.

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Granlund

Growth, innovations and well-being

&lt;p&gt;&lt;strong&gt;Metallintyöstökoneiden valmistuksesta ja puristusliitosteknologiastaan tunnettu härmäläinen Lillbacka Powerco Oy tuo perinteisen konepajateknologian tähän päivään teknisiä ratkaisuja ja toimintatapoja digitalisoimalla.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Teollisuusneuvos &lt;strong&gt;Jorma Lillbackan&lt;/strong&gt; vuonna 1969 perustama Lillbacka Powerco Oy&amp;nbsp;on tällä hetkellä maailman johtava hydraulisia letkuliitinpuristimia valmistava yritys, joka tähtää toimintansa ja teknologiansa digitalisointiin ja integroimiseen laajempiin tuotantoprosesseihin.&lt;/p&gt;
&lt;p&gt;– Näin voimme tarjota asiakkaillemme uusia hyötyjä tuotantoprosessin tehostamisen ja entistäkin paremman laadunvarmistuksen sekä kustannussäästöjen muodossa, tiivistää Powercon myynti- ja markkinointijohtaja &lt;strong&gt;Markus Kihlström&lt;/strong&gt;.&lt;/p&gt;
&lt;p&gt;Perheyrityksen menestyksen takana ovat asiakaslähtöisyys, tinkimätön laatu, tuotekehitys sekä vahva Finn-Power-brändi. Tällä hetkellä tuotekehityksessä suunnataan kohti sähköisiä ohjausjärjestelmiä ja laiteintegraatiota.&lt;/p&gt;
&lt;p&gt;– Digitalisaation myötä puristimen ohjauksessa siirrytään tuotetiedon sekä valmistus- ja laatutiedon hallintaan. Kun koneet integroidaan jatkossa laajempiin järjestelmiin, voidaan niitä ohjata ja valvoa verkon kautta. Uuden etäohjausmahdollisuuden myötä asiakkaat voivat seurata tuotantonsa laatua ja tehokkuutta entistä paremmin sekä varmistaa tuotetiedon dokumentoinnin, kertoo Powercon liiketoimintajohtaja &lt;strong&gt;Mika Luopajärvi&lt;/strong&gt;.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;blockquote&gt;&lt;p&gt;&lt;strong&gt;Jorma Lillbackan “mahdottomat asiat tehdään heti, ylivoimaiset ottavat vähän aikaa” -motto kantaa yhtiötä tänäkin päivänä.&lt;/strong&gt;&lt;/p&gt;&lt;/blockquote&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Yhtiön viennin osuus on yli 90 prosenttia. Tästä Kihlström ja Luopajärvi antavat ansion Jorma Lillbackan ennakkoluulottomuudelle ja avarakatseisuudelle.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;– Perheyrityksessä on tehty alusta asti rohkeita päätöksiä ja kokeiluja. Jorman sanonta “mahdottomat asiat tehdään heti, ylivoimaiset ottavat vähän aikaa”, kantaa tänäkin päivänä, miehet kertovat.&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;Teksti: Eila Lokka&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;//d3sdr36o18yw4x.cloudfront.net/w1200-h1200/editori.portal/uploads/ICC_edit.jpg&quot;&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;em&gt;Lillbacka Powerco Oy&lt;/em&gt;&lt;/strong&gt;&lt;em&gt; valmistaa huolto- ja sarjatuotantoon soveltuvia letkuliitinpuristimia, letkuleikkureita sekä kuorimakoneita. Noin 95 prosenttia Powercon tuotannosta viedään ulkomaille noin 60 maahan Pohjois- ja Etelä-Amerikkaan, Eurooppaan ja Aasiaan. Yhteystiedot: Markus Kihlström, myynti- ja markkinointijohtaja, p. 040 558 3245, &lt;/em&gt;&lt;a href=&quot;http://powerco.lillbacka.com &quot; target=&quot;_blank&quot;&gt;&lt;em&gt;powerco.lillbacka.com&amp;nbsp;&lt;/em&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;


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Lillbacka Powerco Oy valmistaa huolto- ja sarjatuotantoon soveltuvia letkuliitinpuristimia, letkuleikkureita sekä kuorimakoneita.&nbsp;

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Lillbacka Powerco

Perheyrityksen puristusliitosteknologia siirtyy digiaikaan

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Brothers & Partners

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Invest without capital

Internet of things is the new black

Making the world smarter with consumer data

Time to open up

Eyes fixed on China’s consumer space

Growth, innovations and well-being

Perheyrityksen puristusliitosteknologia siirtyy digiaikaan

Risteilylaivojen kokonaistoimittajat elävät kasvun aikaa

Kasvava ja menestyvä Kokkolan Satama

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