Kristi Rohtsalu

fintech altfi hiking walking travelling banking via francigena open banking travel punta tomba villa la angostura el bolson cerro carbón laguna torre el chalten perito moreno torres del paine buenos aires ushuaia patagonia argentina ureki georgia lending alps data analytics ai great st. bernard pass france pilgrim walk estonian ultrarunners team laulasmaa taltech innovatsioonifestival tehisintellekt credit pricing risk appetite framework recovery planning srep ilaap icaap risk management loma del pliegue tumbado laguna de los tres chorrillo del salto cerro la cruz cerrola cruz loma del plieguetumbado chorrillodel salto lagunade lostres alternative finance footprints trail likani gorge trail borjomi sataplia prometheus cave katskhi column chiatura stalin museum uplistsikhe city caves gergeti glacier hike mestia-ushguli trek caucasus mountains black sea travel journal ushguli glacier batumi kazbegi mestia tbilisi travel blog tanah lot lovina amed gili nusa penida sanur ubud bali paguera mallorca barcelona costa brava narbonne montpellier mont blanc geneva metaverse bnlp 2.0 post-covid trust esg neobanking embedded finance bnpl open finance web3 gran canaria remote office romantische strasse maximilansweg lake constance bodensee schwarzwald odenwald germany e1 core banking neobanks digital banking challenger banks marketplace lending covid-19 credit risk modelling ifrs 9 irb åndalsnes molde tromsø narvik fauske oslo holiday corona summer norway summer 2020 latvia estonia baltic coastal hike modelling data financial services digibanks technology finance berlin perú hawaii vancouver island vancouver ipo london stock exchange paris fintech forum #pff19 running italy world summit ai machine learning big data artificial intelligence palverännak matkamine san francisco silicon valley bay area copenhagen chisholme denmark scotland iceland legoland faroe islands singapore new zealand tokyo hong kong adventures