In this episode of The Future of Consumer Marketing, host Andres Figueira interviews Alf Gunnar Andersen, CEO & Founder of Horde, an intelligent personal economy app disrupting Norway's traditional banking sector. Horde empowers consumers by aggregating all their financial data in one platform, revealing hidden costs and enabling smarter financial decisions. Operating in one of the world's most expensive digital advertising markets, Alf shares how his team used creative guerrilla marketing tactics to compete against banks with budgets 10-15 times larger, including a viral treasure hunt campaign that generated 60,000 new users in one week.

• Competing against established banks with unlimited marketing budgets in expensive digital markets

• Building consumer trust when disrupting a traditionally conservative industry

• Creating viral marketing campaigns with limited budgets ($100,000 vs competitors' $100 million)

• Gamifying financial education through reward systems and behavioral psychology

• Navigating regulatory barriers while maintaining growth momentum

• Scaling fintech across European markets through upcoming PSD3 regulations