Why we are here

The rapid growth in the fintech industry
combined with the proliferation of technical and business model innovation and the many new players in the industry – from small start-ups to global giants – challenge the traditional players like banks, acquirers, and processors.

This development makes it increasingly
difficult for the individual industry player –
new or old – to get an overview of the
market and its options, assess its implications, and understand the initiatives of innovators, competitors, and legislators.

In such highly dynamic market, it is crucial to have a sustainable go-to-market strategy and ensure efficient communication to all relevant stakeholders – both internally and externally. Norfico’s mission is to continuously support our clients’ digitisation agenda by delivering valuable and efficient advice – covering business, strategy, and communication aspects of the clients’ go-to-market plans.

We believe that the Nordic countries have the potential to be a digital role model for
the rest of the world, and through Norfico’s mission, we can contribute to realising this potential by shaping

the market through strategic
communication – e.g. by supporting the
agenda for making the Nordics the world’s first cash-free region.

In Norfico, we offer our clients advisory
services throughout research, design,
development and launch phases of
new products and services.

 We analyse and assess the potential
of fintech services and companies including payment and digitisation services, and we offer tactical assistance during launch with a key focus on strategic and tactical communication.

Contact us.


Norfico is quite an exciting Fintech company to keep an eye on. Given their focus on communication, PR, and strategic consulting services, they are unique in the Nordic region.
— JP Buntinx, Fintechist


Michael Juul Rugaard 

Kristian T. Sørensen 

Founding partner of Norfico

Kristian’s work within financial services has made him an acknowledged fintech thought leader and a frequent speaker at conferences worldwide.

He is ranked on Fintech.Finance’s “Silver Power List”, Rise Global’s “100 most influential people in fintech”; Planet Compliance’s ”Top 50 Regtech Influencers”; Instech London’s “Insurtech Power 100” and was shortlisted by PayExpo for the 2016 “Payments Power 10”.

Prior to joining Norfico, Kristian served four years in various strategic positions within Nordic payment giant Nets, where he led the strategy development for Nets’ mobile services across the Nordics. During the same period, Kristian also spent significant time advising Nordic banks about the strategic options for mobile and emerging payments.

Since 2010, Kristian has participated in Mobey Forum and has been an active contributor to the forum’s white papers. In 2016, Kristian was awarded honorary membership for “outstanding contribution” to the organisation.

Before Nets, he worked ten years in digital banking moving from managing online banking, over mobile banking to mobile payments.

Kristian holds a master’s degree in Communication and Psychology.

See more on LinkedIn and follow Kristian on Twitter.










Founding partner of Norfico.

Around fifteen years of experience as a strategic communication adviser for brands and public organizations such as Nets, Teller, IBM, Lenovo, Maersk Line, Stibo, Discovery Channel, Animal Planet, The Danish Ministry of Education, The Danish Ministry of the Environment, The Transportation Counsil, and The Danish Technological Institute.

Press Manager and press spokesperson for Nets Denmark A/S (formerly PBS) and Teller A/S from 2010 - 2015.

Several years of experience in strategic communication disciplines such as Crisis Communication, Change Communication, and M&A Communication.

Genuine experience in most PR disciplines, including:

• media strategy advising

• media training

• writing of articles, by-liners, and opinion pieces (published in more than 20 newspapers and magazines).

Long-standing experience as an editor and author of magazines, books, newsletters, and reports – most recently author of the first Danish report about blockchain technology.

Michael holds a master’s degree from the Department of Scandinavian Studies and Linguistics, University of Copenhagen.

See more on LinkedIn