MoneyLIVE Summit 2024

 

Innovation ignited.

Europe’s most senior banking and payments event.

6-7 March 2024 | QEII Centre, London

 

2023’s event sold out, so secure your tickets now!

Early bird discounts ending soon. Don't miss your chance to save!

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MoneyLIVE Summit sets the agenda for the future of banking and payments.

Hosted in the FinTech capital of the world, MoneyLIVE Summit is the global payments and banking event bringing together industry leaders at the top of their game. This is where ground-breaking partnerships are forged, where innovation is accelerated and where the brightest ideas are born.

ATTENDEES

%

FINANCIAL INSTITUTIONS

%

C-LEVEL, DIRECTOR, VP, HEAD OF

SPEAKERS

“An unmissable event for those serious about banking and payments transformation.”

 

Global Head of Strategy & Innovation, ING

Event speakers

Take a look at who’s speaking at this year’s banking event.

Jayne Opperman

Jayne Opperman

Chief Executive Officer Consumer Relationships, Lloyds Banking Group

Francesca Carlesi

Francesca Carlesi

Chief Exectuive Officer, Revolut UK

Saif Malik

Chief Executive Officer, UK and Regional Head, Client Coverage, UK & Turkey, Standard Chartered Bank

Nick Fahy - MoneyLIVE

Nick Fahy

Chief Executive Officer, Cynergy Bank

Angela Byrne

Angela Byrne

Chief Operating Officer for Retail Banking, NatWest

Mark Mullen - MoneyLIVE

Mark Mullen

Chief Executive Officer, Atom Bank

Sujata Bhatia

Chief Operating Officer, Monzo

David Geale

Director of Retail Banking, Financial Conduct Authority

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Key themes for 2024

Economic climate 

  • Global economic outlook
  • FinTech partnerships
  • Savings product innovation

Payments innovation 

  • E-commerce & POS innovation
  • BNPL
  • Contextual & embedded payments
  • Payments CX
  • VRPs & A2A payments
  • Open banking payments: what’s next?

Open finance

  • Preparing for PSD3
  • Commercial opportunities in the open ecosystem
  • Accelerating open finance take-off
  • Distribution & partnerships in the API economy
  • Embedded finance

Lending strategies

  • Mortgage product innovation
  • Enhancing the borrower experience
  • Collections strategies in challenging times
  • Future of SME lending

Accelerating the green transition

  • Sustainable transformation
  • ESG governance & reporting
  • Supporting the transition to the green home
  • Cross-industry collaboration

Digital currencies & CBDCs 

  • Digital Euro pilots: P2P online, P2P offline, Payee initiated
  • Strategic sovereignty in European payments
  • Tokenised assets & crypto currencies

Future Payments infrastructure 

  • Instant payments in the EU & beyond
  • Cross border payments & IXB
  • SEPA, A2A, ISO 20022: towards global payments connectivity

The Technology forum 

  • Operational resilience
  • Cyber security
  • Model Risk Management
  • Cloud transformation

Fraud, Digital IDs & AML 

  • Combatting APP fraud 
  • The Economic Crime Bill 
  • European Digital Identity Framework
  • Building a robust AML strategy
  • The future of authentication

Next-generation customer experience 

  • Regulatory change & compliance
  • Customer-centric innovation
  • Value-adding personalisation
  • Strategies to engage new demographics

Building Societies in focus

  • The value of mutuality
  • Digital transformation
  • Engaging a new generation of customers
  • Optimising channel strategies
  • Building a winning mobile app
  • The role of the branch

AI & Web3.0 

  • Generative AI: opportunities & threats
  • The EU AI Act
  • Optimising data management strategies
  • DARQ technologies

Who attends

Check out who will be at this year’s banking event.

MoneyLIVE Summit Who Attends

What can you expect?

5 high impact stages

Join us for 5 stages of high-value content designed to push the boundaries of innovation and keep you ahead of the competition. If you’re working on open finance, the platform economy, payments innovation, sustainability, digital currencies, generative AI, FinTech, or lending innovation, you simply can’t afford to miss out.

CEO central

Sharpen your strategy with exclusive take-home insights from Chief Executive Officers of Revolut UK, Lloyds Banking Group, Atom Bank, Cumberland Building Society, Saffron Building Society, and many others.

The global ecosystem united

 

Join forces with industry titans across the banking and payments ecosystem and gain unrivalled access to the visionaries driving real-world change in finance, from banks and FinTechs, to regulators and SuperApps.

Powerful and influential conversations

Get stuck into 121 meetings, collaborative workshops, thematic roundtables and more high-impact networking activities with an audience that is made up of 60% Financial Institutions and 60% C-Level, Director, VP or Head of level.

Follow us

For industry updates and live speaker announcements

The official after party

 

Sponsored by

Ripple - MoneyLIVE

 

Network the night away.

THIS is where the magic happens. Raise a glass
(or two) to toast new opportunities, connections
and a show to remember.

Our MoneyLIVE Summit advisory board

Our advisory board have helped to steer 2024’s agenda to reflect the most pressing issues in the market.

Paul Horlock

Chief Payments Officer, Santander

Ravneet Shah

Chief Technology Officer, Allica Bank

Des Moore

Chief Executive Officer, Cumberland Building Society

Helene-Panzarino-London-Institute-of-Banking-Finance

Helene Panzarino

Associate Director, Centre for Digital Banking and Finance, The London Institute of Banking and Finance

Chris Hunter

Global Director of Talent Acquisition & Employer Branding, N26

Fanny Solano Agramonte

Director of Digital & Retail Regulation, Transparency and Implementation, CaixaBank

Kevin Mountford

Kevin Mountford

Co-Founder, Raisin UK

Kristjan Kaar - MoneyLIVE

Kristjan Kaar

Chief Product Officer, OakNorth Bank

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More Advisory Board Members

Agenda

Take a look at the hot topics at this year’s banking event.

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Day 1

Day 2

Session one: Future of banking and payments

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Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address 

Banking for the customer of tomorrow  


Jayne Opperman
Jayne Opperman

Chief Executive Officer Consumer Relationships
Lloyds Banking Group

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Keynote address

Driving innovation in banking


Angela Byrne
Angela Byrne

Chief Operating Officer for Retail Banking
NatWest

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Fireside Chat

One Savings Bank: Transforming for Tomorrow, Today

Discover OSB’s continuing journey of making this successful FTSE 250 specialist bank into a modernised powerhouse. Gain insights for organisations pursuing similar transformation goals and hear first-hand experiences from OSB’s 18-month experience into their journey toward customer and colleague centricity, resilience, sustainability, and adaptability for their future ambitions.


David Murphy

Head of Financial Services, EMEA and APAC
Publicis Sapient

Matthew Baillie
Matthew Baillie

Group Chief Transformation Officer
OSB Group

Clive Kornitzer
Clive Kornitzer

Group Chief Operating Officer
OSB Group

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Leaders’ forum

Banking and payments strategies for a new era

  • Banking in turbulent times: strategies to adapt in a high-interest-rate environment 
  • Increasing M&A activity: exploring the drivers and the opportunities  
  • Maximising ROI and value from digital investment: strategies for success  
  • Championing good outcomes for customers: where can innovation help?  
  • The green transition: the challenges, the opportunities and how banks should evolve 
  • The rise of CBDCs: charting the future of money and how banks should prepare 
  • Remaining relevant in a sea of competitors: how must banking strategies adapt?  

Saif Malik

Chief Executive Officer, UK and Regional Head, Client Coverage, UK & Turkey
Standard Chartered Bank

Nick Fahy - MoneyLIVE
Nick Fahy

Chief Executive Officer
Cynergy Bank

Francesca Carlesi
Francesca Carlesi

Chief Exectuive Officer
Revolut UK

Simon Cox
Simon Cox

Chief Transformation Officer
ServiceNow

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Keynote address

Banking in uncertain times: the regulatory perspective


David Geale

Director of Retail Banking
Financial Conduct Authority

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Refreshment break

Session two | Economy | E-commerce | Fraud | Resilience | FinTech

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STREAM
Stage 1 | Economic climate 1
Stage 2 | Ecommerce and POS Innovation 2
Stage 3 | The fight against fraud 3
Technology Forum | Resilience and security 4
Innovation lab | FinTech pitches 5

Stage 1 | Economic climate


Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address 

The global economic outlook: charting the road ahead


Klaus Baader
Klaus Baader

Global Chief Economist
Société Générale

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Advisory

Nigel Adams
Nigel Adams

Senior Evangelist
Apromore

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Fireside chat  

Future of FinTech: drivers and trends for tomorrow

  • How has the current economic climate impacted FinTech funding to date?  
  • From BaaS to BNPL: where can we expect FinTech investment to accelerate?  
  • A global outlook: where are we seeing the most M&A activity?  
  • Strengthening existing propositions: what’s the role of FinTech partnerships? 
  • Keeping your finger on the pulse of innovation: which areas of finance will boom next? 

Sonal Lakhani

Global Head of Fintech Programmes and Venture Studios
Barclays

Isa Goksu

Chief Technology Officer, UKI & DE
Globant

Ruth Foxe Blader

General Partner
Foxe Capital

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Interview 

Re-inventing banking: The next generation is now

 


Tim Rutten

Chief Strategy Officer
Backbase

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Panel discussion

Savings products for a new interest rate paradigm 

  • Future outlook on the housing market: how should banks prepare?  
  • Rethinking business models in a high-interest economy: where do the opportunities lie?  
  • From the resurgence of ISAs to new savings products: how is the savings landscape evolving in this high interest paradigm? 
  • Agile, pre-emptive, flexible: pivoting at speed in an unprecedented banking environment 
  • Improving time to market: what are the key success factors?  

Kevin Mountford
Kevin Mountford

Co-Founder
Raisin UK

Mark Mullen - MoneyLIVE
Mark Mullen

Chief Executive Officer
Atom Bank

Einar Eidsson
Einar Eidsson

Head of Product
indó

Marion Laboure
Dr Marion Laboure PhD

Director, Macro Strategist, Thematic Research
Deutsche Bank

Jonathan Causier
Jonathan Causier

Partner: Head of UK Financial Services
Simon Kucher

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Stage 2 | Ecommerce and POS Innovation


Moderator

Eliot Heilpern
Eliot Heilpern

Chief Executive Officer and Founder
Parthenon Communications

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Panel discussion  

Seamless, contextual, secure: the future of payments CX 

  • From TikTok shop to Instagram: exploring the significance of social commerce  
  • Pay-by-bank, contactless, wallets, and beyond: in which areas should banks place their focus? 
  • From BNPL to digital wallets: defining your contextual commerce strategy 
  • Identifying the role of banks in the embedded and contextual value chain: what are the most viable options? How can partnerships pave the way?  
  • One-click-pay, invisible and beyond: what’s next for seamless payments innovation?  
  • Alexa? How will voice technology and generative AI transform retail payments experiences? 
  • What effect will new payment ecosystems and channels have on security and fraud? 

Callum Ludgate

Executive Director, Merchant Services
JP Morgan

Deeptasree Mitra - MoneyLIVE
Deeptasree Mitra

Managing Director, Contextual Banking, BaaS, Embedded Finance
Deutsche Bank

Ashish Bhatnagar, Head of Cards & Payments, Cognizant
Ashish Bhatnagar

Head of Cards & Payments
Cognizant

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Advisory  

Beyond transactions: empowering financial resilience through embedded insurance 


Parker Crockford
Parker Crockford

Chief Revenue Officer
Qover

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Keynote address 

From A2A to VRP: what’s next for open banking payments? 


Kevin Dearing

Head of API Commercialisation
NatWest

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Panel discussion 

Envisioning and preparing for the future payments value chain 

  • The rise of A2A and VRP: how is the legacy payments value chain being disrupted? 
  • Open banking payments: what explains the national divergence in uptake across Europe?  
  • The SPAA rulebook: how might this upcoming initiative drive open banking payment adoption? 
  • What can we expect from PSD3? And how might this affect open banking payments?  
  • Instant payments, UPI and PIX: how will the move to instant payments globally disrupt the payments value chain? 
  • Competing for merchant and consumer buy-in: why do cards continue to dominate and how might alternative payment methods gain momentum? 
  • Super apps, social media and beyond: who will own the customer relationship in the new payments landscape?  

Henk Van Hulle

Chief Executive Officer
Open Banking Limited

Dastan Shukanayev

Senior Payments Technology & Strategy Lead, Formerly at
Marks and Spencer

Christian Kramer
Christian Kramer

Head of Group Payments Strategy & Payments Partnerships
Lloyds Banking Group

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Stage 3 | The fight against fraud


Moderator

Corrina Scatena
Corinna Scatena

Head of Legal & Governance
Getnet Europe – Pagonxt by Banco Santander

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Keynote address 

Failure to prevent’: spotlight on the Economic Criminal Bill 


Howard Rawstron

Head of Group Oversight Economic Crime Prevention
Lloyds Banking Group

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Fireside chat 

Combatting APP fraud: taking the bull by the horns 

  • APP fraud in focus: evaluating the current state of play  
  • How must banks adapt to the PSR’s new reimbursement requirements?  
  • Enhanced SCA under PSD3: to what extent will this help stem the tide of payments fraud?  
  • Uncovering the power of cross-industry collaboration to prevent APP fraud 
  • From education to nudges: how can banks better inform customers of fraud risks? 

Anna Roughley - MoneyLIVE
Anna Roughley

Head of Insight and Engagement
The Lending Standards Board

Kate Fitzgerald

Head of Policy
Payment Systems Regulator

Rob Woods
Rob Woods

International Market Planning for Financial Services
LexisNexis Risk Solutions

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Advisory

James Hunt
James Hunt

SME - Payments
Feedzai

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Panel discussion 

Turning up the heat on fraud prevention 

  • From APP fraud to insider fraud: keeping an eye on the fraudulent activity of today 
  • Preventing real-time payments from becoming real-time fraud: leveraging advanced analytics and ML  
  • Knowing your customers rather than catching the fraudsters: are behavioural analytics the key? 
  • How will a national digital ID transform the fight against fraud?  
  • Face recognition, voice recognition and beyond: the next phase of counter-fraud technology  
  • New channels, new data sources: unlocking the potential of big data in fraud prevention strategies 
  • The flip side of generative AI: how could fraudsters leverage this technology?  

Sebastian Takle
Sebastian Takle

Head of DNBs Financial Crime Center
DNB

Aaron Elliott-Gross

Global Director of Product Compliance
Wise

Michael Hammond
Michael Hammond

Fraud Product Owner
Pay.UK

Freddy Arthur, NICE Actimize | Conference speaker
Freddy Arthur

EMEA Fraud Strategy Leader
NICE Actimize

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Technology Forum | Resilience and security


Moderator

Andrew Cunningham
Andrew Cunningham

Visiting Professor
The London Institute of Banking and Finance

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Keynote address 

Resilient, robust, reliable: building a bank ready for anything 


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Presentation 

Ensuring cyber resilience throughout the business 


Neil Robinson
Neil Robinson

Chief Information Security Officer
Virgin Money

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Fireside chat 

Model Risk Management: priorities for 2024 and beyond 

  • Meeting the MRM challenge: what are the principal changes banks will have to make and what innovation opportunities do these create? 
  • How can better management of model risk in AI and ML be extended beyond the realms of capital adequacy to pricing, personalisation, fraud detection and more? 
  • Maximising the benefits: how can banks derive greater benefit from regulator driven change?  

Julian Phillips

Global Model Risk Steward GBM & CMB, Regional Head of Model Risk Management, HSBC Europe, and Head of AI Risk Management
HSBC

Suresh Sankaran
Suresh Sankaran

Head of Model Risk Governance
Metro Bank (UK)

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Advisory

Marco Venuti
Marco Venuti

Director of Identity Business Acceleration
Thales Group

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Panel discussion 

From continuity to reporting: taking resilience to new heights  

  • DORA: how are banks preparing for the 2025 deadline?  
  • Staying PS6 compliant: how can banks remain within their impact tolerances in the new operational resilience framework? 
  • Disaster recovery planning: ensuring outages are within 24 hour recovery window 
  • From vulnerability assessments to employee training: how can the risk of IT outages be minimised further?   
  • From firewalls to encryption: how can cyber security strategies be strengthened?  
  • Managing liquidity risk in times of crisis: the lessons from SVB to Credit Suisse 
  • How can banks best prepare for geopolitical risks on the horizon? 

Ravneet Shah

Chief Technology Officer
Allica Bank

Giles Taylor
Giles Taylor

Head of Resilience & Cyber Risk
Lloyds Banking Group

Anurag Maheshwari - MoneyLIVE
Anurag Maheshwari

Global Head of Third Party and Corporate Banking Resilience Function
Standard Chartered Bank

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Innovation lab | FinTech pitches


Moderator

Philip Haglund

Chief Executive Officer and Founder
Gimi

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Pitch 1 | Tembo Money

Richard Dana - NEW
Richard Dana

Co-Founder and Chief Executive Officer
Tembo Money

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Pitch 2 | Doshi

Jaco Koenig
Jaco Koenig

Co-Founder and Chief Technology Officer
Doshi

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Pitch 3 | Menna

Nicholas Carlton
Nicholas Carlton

Co-Founder
Menna

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Pitch 4 | Monite

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Pitch 5 | To be announced

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Pitch 6 | To be announced

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Vote for your favourite pitch!

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Lunch

Session three | Open finance | Payments | Lending | Cloud | Future leaders

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Stage 1 | Open finance 1
Stage 2 | Payments infrastructure 2
Stage 3 | Lending strategies 3
Technology Forum | Banking in the cloud 4
Innovation lab | Leaders of tomorrow 5

Stage 1 | Open finance


Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address

PSD3: what can we expect?


Dirk Haubrich

Head of Consumer Protection, Financial Innovation and Payments
European Banking Authority

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Fireside chat

Open ecosystems and the API economy: the commercial opportunities

  • Preparing for PSD3: what now, where next?
  • Where are we on the journey to standardised cross-sector open APIs?
  • Distribution in the open ecosystem: reaching new customer segments at speed
  • From free tier to premium APIs: how can banks develop a portfolio of APIs?
  • Adding value through third-party partnerships: what are the key considerations in the open ecosystem?
  • Building the bank of the future: how to APIs are championed throughout the organisation?

Joris Hensen, Deutsche Bank
Joris Hensen

Founder and Co-Lead, Deutsche Bank API Program
Deutsche Bank

Paul Mullins

Former Managing Director, Global Strategic Initiatives, Formerly HSBC
HSBC

Jack Spiers
Jack Spiers

UK Banking and Lending Sales Director
Tink

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Advisory

Speaker Placeholder
Senior Representative – Mastercard

Senior representative
Mastercard

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Panel discussion 

Open finance: how can we accelerate take-off? 

  • In what timeline can we expect open finance to come to fruition? What are the barriers still to overcome?  
  • Getting to grips with the EU Open Finance Framework: what are the key takeaways? 
  • The next step towards Open Finance: will PSD3 be the silver bullet to increase uptake? 
  • From savings to insurance: where are we with cross-sector connectivity? What are the challenges that still persist?  
  • Spotlight on the UK Pension Dashboard and Open Finance  
  • Supporting customers in hard economic times: what part can Open Finance play?  

Stephen Wright - MoneyLIVE
Stephen Wright

Head of Regulation and Standards, Bank of APIs
NatWest Group

Samantha Seaton
Samantha Seaton

Chief Executive Officer
Moneyhub

George Miltiadous
George Miltiadous

Head of Open Banking Delivery, UK
HSBC

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Stage 2 | Payments infrastructure


Moderator

Eliot Heilpern
Eliot Heilpern

Chief Executive Officer and Founder
Parthenon Communications

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Keynote address 

Instant, interoperable, global: future-proofing payments infrastructure  


Dag-Inge Flatraaker

Senior Vice President of Group Payments Infrastructures
DNB

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Spotlight

IXB: beyond the pilot  


Emanuela Saccarola
Emanuela Saccarola

Global Head of Cross Border Payments
Citi

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Fireside chat

Making instant payments a reality throughout the EU

  • Instant payments in the EU: what progress has been made?
  • From request-to-pay to liquidity management: realising the value of merchants
  • Providing continuous availability: overcoming the technical challenges of instant payments
  • RT1 or TIPS: which service is best for instant settlement? And what challenges might arise from lack of interoperability?
  • Overcoming localisation: in what timeframe can we expect true pan-European harmonisation?

Alex Stervinou

Director, Cash and Retail Payments Policy and Oversight Directorate
Banque de France

Connie Blacklock - MoneyLIVE
Connie Blacklock

Executive Director, EMEA Head of Real Time Payments
JP Morgan Payments

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Advisory

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Panel discussion

Gearing up for global payments interoperability

  • Making the leap from local to global: overcoming the challenges of a fragmented EU payments landscape
  • Towards global interoperability: lessons learned from the IXB pilot
  • Leveraging the benefits of ISO20022: taking advantage of new information standards
  • SEPA, open banking payments and beyond: evaluating the most fruitful initiatives facilitating harmonisation
  • Preparing for the New Payments Architecture: what are the necessary steps for migration?
  • Fraud and security in an instant, cross-border payments ecosystem: what are the key considerations?

Sanjeev Bhatti

Principal - Product Manager - Direct Clearing and Emerging Payments
BNY Mellon

Simon Eacott
Simon Eacott

Head of Payments
NatWest

Harry Newman
Harry Newman

Head of Banking and Payments Strategy
Swift

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Stage 3 | Lending strategies


Moderator

Caleb Silver
Caleb Silver

Editor-in-Chief
Investopedia

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Keynote address

The Advice Guidance Boundary Review: seizing the opportunity to revolutionise consumer finances


Karen Kerrigan
Karen Kerrigan

Chief Operating Officer
Moneybox

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Case study | Skipton 

Breaking the trapped rental cycle: Skipton’s 100% mortgage  


Jennifer Lloyd

Head of Mortgage Product
Skipton Building Society

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Fireside chat  

Enhancing the borrower experience 

  • From seamless digital journeys to product innovation: how are lenders innovating to enhance the borrower experience? 
  • How can a seamless loan application be achieved? Where must processes improve? 
  • Seamless yet compliant: what are the KYC and AML hurdles to overcome?  
  • Instant credit and BNPL: how can banks meet customer demand while upholding responsible lending standards?  
  • Instant, accurate, responsible: unlocking the potential of AI and real-time data?  
  • Tailored and personalised lending experiences: how can this be achieved at scale across the digital ecosystem?  

 


Philip Bonhard, Lloyds Banking Group | MoneyLIVE
Philip Bonhard

Head of Experience Design Lead, Homes & Mortgages
Lloyds Banking Group

Joel Perlman
Joel Perlman

Co-Founder & Managing Director
OakNorth Bank

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Advisory

Maximising acquisition through the digital consumer journey


Irena Simakova
Irena Simakova

SVP and General Manager of EMEA
SimilarWeb

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Panel discussion  

A shift in SME lending strategies 

  • From tightening lending standards to interest rates: what are the main factors driving the shift in SME lending strategies? 
  • Increased demand, decreased supply: are banks still fit to serve SME financing needs? 
  • Shifting the paradigm: what part will P2P lenders play in financing SMEs? 
  • BNPL for SMEs: what are the benefits to cash flow and financing? 
  • Basel 3.1 amendments: uncovering the changes to SME lending requirements

Conrad Ford
Conrad Ford

Chief Product & Strategy Officer
Allica Bank

Scott Donnelly
Scott Donnelly

Vice President, Head of Lending
Tide

Benjamin Dellal
Benjamin Dellal

Director of SME Lending
Metro Bank (UK)

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Technology Forum | Banking in the cloud


Moderator

Helene-Panzarino-London-Institute-of-Banking-Finance
Helene Panzarino

Associate Director, Centre for Digital Banking and Finance
The London Institute of Banking and Finance

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Keynote address 

Building a cloud-native bank 


Luca Piezzo - MoneyLIVE
Luca Piezzo

Head of Cloud Center of Excellence
Banca Ifis

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Advisory

Karl Graham
Karl Graham

Director - Financial Services
Rackspace

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Fireside chat 

Multi, hybrid, public, private: determining your cloud strategy  

  • The case for cloud adoption: evaluating the strategic and operational benefits of cloud banking  
  • What are the key considerations when moving to the cloud?  
  • Hybrid vs private vs public: choosing the most suitable cloud strategy for your business 
  • Selecting a reliable provider: what are the key considerations?  
  • Embracing the low-code/ no-code opportunity: creating an environment where micro-services can thrive 
  • A spotlight on exit strategies: ensuring the ability to switch without causing major disruption  

 


Dante Jackson
Dante Jackson

Head of Security Resilience
Truist

Puneet Chhahira
Puneet Chhahira

VP, Head of Product Management and Marketing
Infosys Finacle

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Panel discussion and ask the experts 

Cloud migration: a blueprint for success 

  • What are the main challenges of migrating legacy systems into cloud environments? 
  • Refactor, replatform, rebuild: best practice for application migration  
  • Execution scheduling and migration structuring: what are the practicalities and what are the pitfalls to avoid?  
  • From loss of data to project delays:  how can risks be minimised during the migration process?  
  • Let’s back-up: building a robust recovery strategy into your migration journey  
  • A spotlight on IT resourcing: what are the key considerations for cloud migration projects? 

Marco Eijsackers

Head of CIO Office
ING

Ange Johnson de Wet
Ange Johnson de Wet,

Head of Engineering
NatWest

Dave Elliman
Dave Elliman

Chief of Software Engineering
Zühlke

Paul Clark
Paul Clark

Chief Information Officer and Chief Digital Officer
Chase Bank

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Innovation lab | Leaders of tomorrow


Moderator

Salisa Britton
Salisa Britton

Director
MoneyLIVE

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Future vision 1 | 

Rachita Arora
Rachita Arora

Strategy Associate
Allica Bank

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Future vision 2 | To be announced 

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Future vision 3 | To be announced 

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Future vision 4 | To be announced 

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Panel discussion 

Leaders of tomorrow: visions for the future of financial services

We asked innovative financial institutions from across Europe to nominate their rising stars for this vision-building discussion.   

  • Fast forward to 2035: what will the future of financial services look like?  
  • What do members of the digital generation predict for future digital innovations?  
  • Pathways to leadership: how can organisations further champion diversity and inclusion?  
  • Inspire, attract, retain: what can FIs do to engage the next generation of talent?  

Rachita Arora
Rachita Arora

Strategy Associate
Allica Bank

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Refreshment break

Session four | Green transition | CBDCs | Operations

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STREAM
Stage 1 | Accelerating the green transition 1
Stage 2 | Digital currencies and CBDCs 2
Stage 3 | Operational optimisation 3

Stage 1 | Accelerating the green transition


Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address 

Putting sustainability at the core of transformation 


Marisa Drew

Chief Sustainability Officer
Standard Chartered Bank

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Fireside chat 

Effective ESG governance and reporting: the great data challenge 

  • Collect, aggregate, report: meeting ESG expectations amidst mounting pressures 
  • From data dashboards to cloud: how can the visibility of your ESG data be improved?  
  • How can AI lend a hand in extracting value from ESG data? 
  • Cross-departmental collaboration: is this the key to success in effective ESG data governance across the business? 

Matt Bullivant

Director of ESG Strategy
OakNorth Bank

Steve Round
Steve Round

Co-Founder
SaaScada

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Panel discussion 

Supporting the transition to the green home 

  • The road to net zero: what part will green mortgages play in achieving this goal? 
  • Scaling up the green mortgages proposition: how can more homes become eligible?  
  • Making homes green: how great is the opportunity for banks to finance heat pumps, solar panels and more 
  • From reward schemes to mortgage rates: making green homes an attractive proposition for consumers 
  • Lessons from the Nordics: what are the key takeaways from those leading the way in green innovation? 
  • How does cross-industry collaboration drive green product innovation? What are the best examples to date? 
  • Making homes green at speed: how can banks make the most out of partnerships? What are the best routes for banks?  
  • It pays to go green: uncovering the commercial gains in green home investment  

Nick Stace

Head of Sustainable Finance
Barclays

Andy Mason

Head of Strategic Partnerships & Housing
Lloyds Banking Group

Emma Fletcher

Low Carbon Homes Director
Octopus Energy

Dan Rosenfield
Dan Rosenfield

Managing Director, New Business, Net Zero
British Gas

Mark Cunningham
Mark Cunningham

Co-founder & Director
Whenfresh (a Pricehubble company)

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Stage 2 | Digital currencies and CBDCs


Moderator

Siddharth Venkataramakrishnon
Siddharth Venkataramakrishnan

Banking and FinTech Correspondent
FT

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Keynote address 

Digital Euro rollout: one year on 


Alex Stervinou

Director, Cash and Retail Payments Policy and Oversight Directorate
Banque de France

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Interview

Building the blueprint for digital assets adoption 


Matthew McDermott
Mathew McDermott

Managing Director, Global Head of Digital Assets
Goldman Sachs

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Panel discussion

Digital currencies: seeing the commercial value 

  • Wholesale versus retail CBDCs: understanding the benefits of both 
  • Crypto-wallets and cross-border payments: how can banks incorporate digital currencies into their propositions? 
  • Becoming a crypto custodian: what are the advantages? Could this be an opportunity for banks? 
  • Becoming a stable coin issuer: to what extent is this a viable model for incumbent bank 
  • The fall of FTX: how has this impacted digital currency developments? 

Lee McNabb, Natwest
Lee McNabb

Payments Strategic Insights Lead
NatWest

Sabih Behzad
Sabih Behzad

Managing Director, Head of Digital Assets & Currencies Transformation
Deutsche Bank

Craig Perrin
Craig Perrin

Managing Director, Europe
Ripple

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Fireside chat

Preparing for the digital euro rollout  

  • The digital euro: where are we now on the journey?   
  • Strategic sovereignty in European payments: to what extent will the digital euro promote competition and reduce reliance on international cards and BigTech?  
  • The threat to deposits: how can bank funding and financial stability best be safeguarded as consumers switch to digital currency?  
  • From operations and infrastructure to liquidity and risk: what new demands will facilitating digital euro transactions for customers and merchants place on banks?  
  • Smart contracts and machine-to-machine payments: how could the digital euro pave the way to the next evolution of digitised payments?  
  • Incorporating digital euro into the EUDIW: what new functionalities could this bring to payments?  

Diederik Bruggnik
Diederik Bruggink

Head of Payments, Digital Finance and Innovation
WSBI-ESBG

Sergio Gorjon
Sergio Gorjón

Head of the Financial Innovation Division
Banco de España

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Stage 3 | Operational optimisation


Moderator

Paul Mullins

Former Managing Director, Global Strategic Initiatives, Formerly HSBC
HSBC

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Panel discussion

Leveraging AI to empower the workforce of tomorrow  

  • Enhancing without replacing: where are AI and machine learning best placed to effectively empower the human workforce? 
  • Leveraging data and insights: how can next-best-action facilitate greater staff autonomy?   
  • Upskilling and reskilling: what measures should banks take to equip the human workforce with AI fluency? 
  • From privacy and security to ethical concerns: exploring the ongoing issues tied to generative AI  

Speaker Placeholder
Harsh Gambani

Executive Director, Global Lead – Data Products, Commercialisation and Go to Market Strategy
Standard Chartered Bank

Laura Myers
Laura Myers

Intermediary Distribution Development Manager
Lloyds Banking Group

Adobe logo
Ina Iftime-Steinwandt

Senior Strategist, Digital Strategy Group
Adobe

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Advisory

Nick Emanuel
Nick Emanuel

Solution Architect
Quadient

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Panel Discussion

Charting the route to operational optimisation 

  • From data integration to RPA: what are the digital investment priorities for 2024, and how can ROI be maximised? 
  • What are the principal areas in which digital technologies can streamline processes? 
  • From accelerating development to reducing time to market: exploring the benefits of low-code, no-code platforms 
  • How can AI and RPA be leveraged to boost human productivity? 
  • Accelerating STP and end-to-end automation: how can the barriers be overcome? 
  • Generative AI and the workforce: understanding the opportunities and the risks 
  • Avoiding ‘spaghetti architecture’ and ‘shadow IT’: what management and precautions are required? 
  • Lean thinking and agile teams: how can organisational structures be optimised? 

John Skov

Head of Agile Innovation
Nordea

Vinita Ramtri, HSBC Kinetic | MoneyLIVE
Vinita Ramtri

Head of Conduct and Controls
NatWest

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After party

Session five: Next-generation customer experience

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Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address   

Keeping customers at the heart of innovation 


Taylan Turan - NEW
Taylan Turan

Group Head of Retail Banking & Strategy
HSBC

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Fireside chat

Achieving financial wellbeing through next-level CX  

  • Banking in a digital age: how must banks strategies adapt to maintain customer relationships and financial wellbeing? 
  • Frictionless customer journeys across multiple channels: what are the biggest challenges, and to what extent is a truly omni-channel approach now more important? 
  • Value-adding engagement: how can real-time analytics personalise CX at speed and scale? And how could they enhance consumer financial literacy?  

Michael Anyfantakis
Michael Anyfantakis

Chief Architect & Head of Product - UK
Capital One

Aman Virk
Aman Virk

Senior Customer Transformation Director
Salesforce

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Keynote address 

Striving for digital CX excellence 


Sujata Bhatia

Chief Operating Officer
Monzo

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Advisory

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Leaders’ forum    

New CX strategies for 2024 and beyond  

  • Competing with BigTechs and super apps: how can banks deliver on new customer expectations? 
  • How can banks offer a frictionless customer journey across the evolving digital ecosystem? 
  • Towards end-to-end digital onboarding: what more needs to be done? 
  • Value-adding engagement: how can real-time analytics personalise CX at speed and scale? 
  • Supporting customers in the face of economic uncertainty: what more can banks do? 
  • In which areas can robo-advice add the most value for retail banking customers? 
  • How far can generative AI go in providing financial advice without transgressing regulatory requirements?  
  • AI-first, not AI-only: how to leverage generative AI while preserving the all-important human touch? 
  • From Gen Z to Gen Alpha: strategies to engage new demographics  

Taylan Turan - NEW
Taylan Turan

Group Head of Retail Banking & Strategy
HSBC

Alina Agurida
Alina Agurida

Head of CX & Design, Raiffeisen Bank International
Raiffeisenbank International AB

Paul Szumilewicz, HSBC
Paul Szumilewicz

Former Chief Customer & Operations Officer
C. Hoare & Co.

Teo Blidarus
Teo Blidarus

Co-Founder and Chief Executive Officer
FintechOS

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Refreshments

Session six | Platform economy | Value-add CX | Building Societies Forum | Digital ID

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STREAM
Stage 1 | Embracing the platform economy 1
Stage 2 | Delivering value for customers 2
Stage 3: Building Society Forum | Leveraging the benefits of mutuality 3
North Stage | Digital ID and AML 4

Stage 1 | Embracing the platform economy


Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Fireside chat  

From retail to SMEs: what’s next for embedded finance innovation?  

  • Charting the future of embedded finance: what now, where next? 
  • Beyond embedded payments: how can savings, insurance and wealth be embedded successfully? What could add the most value for customers? 
  • The partnership playbook: how can banks prepare for and position themselves as optimal partners for the embedded ecosystem?  
  • From utilities to leisure: which new sectors could embedded finance propositions expand into? 
  • Bringing embedded finance to SME customers: what are the commercial opportunities for banks?  
  • Increase in partnerships, increase in risk? What steps must financial institutions take to ensure third parties are KYC compliant? 
  • The embedded finance boom: will this be the catalyst for Europe’s first true super app?  

Aruna Bhalla

Head of Digital Propositions, Partnerships & Open Banking
TSB Bank

Dastan Shukanayev

Senior Payments Technology & Strategy Lead, Formerly at
Marks and Spencer

Matthijs von Voorst | Speaker
Matthijs van Voorst

Head of Partnerships Development & Ecosystems
ABN AMRO

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Case study

Raiffeisen Digital Bank   


Jakub Malach
Jakub Malach

Chief Retail Banking Officer
Raiffeisen Digital Bank

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Panel discussion 

From business models to distribution strategies: banking in the platform economy  

  • Defining your ecosystem strategy: how and where can banks fit into this new value chain? 
  • From Amazon to Twitter to WhatsApp: identifying the best platforms to partner with  
  • From subscription services to white labelling: uncovering new business models in banking 
  • Digging into premium APIs: what’s the secret to profitability and how does this model interplay with the platform economy?  
  • What is the key to success in working with platforms and marketplaces? 
  • Marketplace orchestrator or backend financial services partner: accessing the strategic implications for banks  
  • Finding your BaaS niche: what areas remain untapped? What’s yet to be capitalized on? 
  • Developing the propositions of tomorrow: what new value could be created with cross-sector data? 

Taner Akcok
Taner Akcok

Head of Global API Banking
Deutsche Bank

Jakub Malach
Jakub Malach

Chief Retail Banking Officer
Raiffeisen Digital Bank

Carolyne Gregory
Carolyne Gregory

Head of Product Management (Homes Ecosystem)
Lloyds Banking Group

Nadesh Sithambaram
Nadesh Sithambaram

Head of Digital Product Proposition
Santander

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Stage 2 | Delivering value for customers


Moderator

Helene-Panzarino-London-Institute-of-Banking-Finance
Helene Panzarino

Associate Director, Centre for Digital Banking and Finance
The London Institute of Banking and Finance

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Fireside chat 

Adding more value: leveraging the power of data 

  • Delivering superior value in a BigTech driven world: leveraging data-driven insights to stay ahead of the competition 
  • From personalisation to PFM: where can data best be utilised to add value in todays landscape?  
  • A spotlight on SMEs: what value-added services could be most impactful for merchants? 
  • Transforming raw data into actionable insights: what are the practicalities and key challenges to overcome? 
  • Geodata, smart device data and beyond: how can banks successfully tap into new data sources? 
  • Leveraging real-time data to offer tailored and relevant rewards to customers: strategies for success 
  • Benefits to customer service teams: how can real-time insights empower employees? 
  • Ensuring contextual offers are value-adding: striking the balance between helpful and intrusive

James Blagg - MoneyLIVE
James Blagg

Head of Data
Principality Building Society

Ronan Carter

Client Partner – FinTech
Google Cloud

Matt Churchill
Matt Churchill

Senior Director
Medallia

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Advisory

Maximising customer value with data-driven personalisation


Dorel Blitz

VP of Strategy and Business Development
Personetics

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Panel discussion 

Consumer duty: delivering fair value  

  • Consumer duty in action: where are we now, and what still needs to be done?  
  • From transparency to communication: what steps have been taken to enhance consumer understanding?  
  • From PFM to nudges to chatbots: in what ways have banks provided better support for customers?  
  • Proactive not reactive: what role can AI play in better supporting customers?  
  • Identify, monitor, evidence: leveraging data insights and reporting to stand behind customer outcomes  
  • What further changes to pricing models are required to fully champion transparency and fair value? 
  • Championed across all channels: how can banks ensure third parties and partners comply with the Duty?  

Dave Pickering

Head of Consumer Duty Implementation
Virgin Money

Jamie Renehan
Jamie Renehan

Senior Manager, Advanced Analytics
Bank of Ireland

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Stage 3: Building Society Forum | Leveraging the benefits of mutuality


Moderator

Kevin Mountford
Kevin Mountford

Co-Founder
Raisin UK

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Keynote address 

Why there is power in mutuality  


Des Moore

Chief Executive Officer
Cumberland Building Society

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Fireside chat 

Championing the value of mutuality  

  • The value of mutuality: what are the benefits? And how can they be better communicated?  
  • A purpose-driven society: understanding why mutuality matters now more than ever 
  • A spotlight on Nationwide’s Fairer Share Scheme: will other societies follow suit?  
  • From sustainability to diversity: how can mutuality chime with wider social purpose?   
  • How can building societies ensure mutuality extends beyond internal values to being a tangible customer-facing proposition?  

Colin Field

Chief Executive Officer
Saffron Building Society

Susanne Parry
Susanne Parry

Chief Operating Officer
Cumberland Building Society

Oliver Sharland
Oliver Sharland

Managing Principal
CAPCO

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Fireside chat 

Defining your digital transformation strategy 

  • Building a digital transformation roadmap: what are the key considerations?  
  • From legacy systems to building a solid business case: what are the key obstacles to overcome?  
  • Digital overhaul versus augmenting existing systems: discussing the strengths and weaknesses of both approaches  
  • Automation, analytics, AI: what new technologies can enable efficiency? What are the best use cases?   
  • Balancing innovation and risk: mitigating the hidden risks of digital transformation 

Ben Sampson, Director of Business Transformation, Yorkshire Building Society
Ben Sampson

Director of Business Transformation
Yorkshire Building Society

Gurminder Bhagrath
Gurminder Bhagrath

Chief Operating Officer
Plane Saver Credit Union

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North Stage | Digital ID and AML


Moderator

Salisa Britton
Salisa Britton

Director
MoneyLIVE

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Fireside chat   

From KYC to CDD: building a robust AML strategy 

  • The quest for efficiency, speed and accuracy: what more can be done to improve consuKYC and CDD? 
  • To what extent will a national digital ID be a game-changer for customer verification? How might this work with existing KYC and CDD processes? 
  • From gathering to analysing: what role could AI play in enabling more efficient and accurate KYC and CDD processes? 
  • Integration, aggregation, automation: optimising KYC and CDD data management  
  • pKYC best practice: how can banks enhance continuous KYC monitoring to reduce risk and remain compliant?  
  • Banking on the blockchain: how should AML teams and systems prepare?  


Simone Poon - MoneyLIVE
Simone Poon

Head, Group Anti-Money Laundering Policy and Standards
Standard Chartered Bank

Vangelis Tsianaxis
Vangelis Tsianaxis

Head of Controls, Models and Analytics
Santander

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Advisory

Transforming Customer Experiences in Finance: Embracing the CIAM Revolution


Adam Preis
Adam Preis

Solution Marketing Director
Ping Identity

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Panel discussion 

Seamless yet secure: the future of authentication in banking and payments 

  • Balancing convenience with security: what level of friction will customers tolerate? 
  • Passwordless banking: what are the latest developments for digital IDs?    
  • How transformational is the potential of digital IDs? And what are the opportunities for banks?  
  • Typing rhythm, mouse movements, signature dynamics: understanding the potential of behavioural biometrics 
  • From VR headsets to smart watches: how is the evolving digital and wearable landscape creating new opportunities for biometrical authentication?  
  • Powering authentication for in-car payments: what now, where next?  
  • AI and authentication: the opportunities and the threats 
  • What are the practicalities of incorporating future authentication methods into existing products and interfaces? 

 


Jonas Brännvall - MoneyLIVE
Jonas Brännvall

Head of International Business Expansion
BankID

Stacey Wilkinson

Product Owner, Bank of APIs
NatWest

Philip Bonhard, Lloyds Banking Group | MoneyLIVE
Philip Bonhard

Head of Experience Design Lead, Homes & Mortgages
Lloyds Banking Group

Elinor Hull
Elinor Hull

Product Portfolio Director
Post Office

Frederik Mennes
Frederik Mennes

Director, Product Management & Business Strategy
OneSpan

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Lunch

Session seven | Artificial Intelligence | Building Societies Forum

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STREAM
Stage 1 | Feeding the machine: Strategies for AI supremacy 1
Building Societies Forum | Championing member needs 2

Stage 1 | Feeding the machine: Strategies for AI supremacy


Moderator

Juliette Foster, Magnus Communications- MoneyLIVE
Juliette Foster

Owner
Magnus Communications

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Keynote address 

Putting bets on the tech evolution: GenAI as a customer service enabler 


Vladislavs Mironovs
Vladislavs Mironovs

Chief Strategy and Business Development Officer
Citadele banka

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Interview

Explainable, reliable, ethical: the AI gameplan 

  • Breaking the black box: what steps are integral to creating explainable AI? 
  • The Artificial Intelligence Act: how can banks stay innovative yet compliant?    
  • Preventing algorithm bias: ensuring AI outcomes are fair and accurate for customers 
  • Empowering the citizen developer: boosting employee confidence to use AI more confidently and consciously