Why we are here

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 advise – 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


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.

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 including payment
and digitisation services, and we offer
tactical assistance during launch with
a key focus on strategic and tactical

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. 

Prior to joining Norfico, Kristian served four years in various strategic positions within Nets, where he lead the strategic development related to Nets’ mobile services across the Nordic countries as well as advising Nordic banks about the strategic options for mobile payments.

Since 2010 Kristian has participated in Mobey Forum - the leading global association for mobile financial services, and has been an active contributor to the production of Mobey Forum’s mobile wallet and HCE white papers. He was elected to the Board of Directors in 2012. 

Before Nets he worked  for the Danish Bank Nykredit moving from managing online banking, over mobile banking to mobile payments.

Kristian also served as member of the Danish Bankers’ Association’s Mobile Working Group. Here, he partook in designing the first Danish attempt for a national mobile payment solution in 2011.

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 communications 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, 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