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!
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.
David Lindberg
Chief Executive Officer, Retail, NatWest Group
Jayne Opperman
Chief Executive Officer Consumer Relationships, Lloyds Banking Group
Daniel Frumkin
Chief Executive Officer, Metro Bank
David Geale
Director of Retail Banking, Financial Conduct Authority
Saif Malik
Chief Executive Officer, UK, and Regional Head of Client Coverage, UK & Europe, Standard Chartered Bank
Nick Fahy
Chief Executive Officer, Cynergy Bank
Mark Mullen
Chief Executive Officer, Atom Bank
Sujata Bhatia
Chief Operating Officer, Monzo
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.
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 NatWest, Metro Bank, 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
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The official after party
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
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
Co-Founder, Raisin UK
Kristjan Kaar
Chief Product Officer, OakNorth Bank
Agenda
Take a look at the hot topics at this year’s banking event.
Day 1
Day 2
Session one: Future of banking and payments
Keynote address
Banking for the customer of tomorrow
Jayne Opperman
Chief Executive Officer Consumer Relationships
Lloyds Banking Group
Keynote address
Driving innovation in banking
David Lindberg
Chief Executive Officer, Retail
NatWest Group
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?
Daniel Frumkin
Chief Executive Officer
Metro Bank
Saif Malik
Chief Executive Officer, UK, and Regional Head of Client Coverage, UK & Europe
Standard Chartered Bank
Nick Fahy
Chief Executive Officer
Cynergy Bank
Keynote address
Banking in uncertain times: the regulatory perspective
David Geale
Director of Retail Banking
Financial Conduct Authority
Refreshment break
Session two
Stage 1 | Economic climate
Keynote address
The global economic outlook: charting the road ahead
Klaus Baader
Global Chief Economist
Société Générale
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
Ruth Foxe Blader
Chief Information Officer
Anthemis
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
Co-Founder
Raisin UK
Mark Mullen
Chief Executive Officer
Atom Bank
Einar Eidsson
Head of Product
indó
Stage 2 | Ecommerce and POS Innovation
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
Vice President, Merchant Services
JP Morgan
Deeptasree Mitra
Managing Director, Contextual Banking, BaaS, Embedded Finance
Deutsche Bank
Lawrence Bennett
Head of UK Financial Services
eBay
Baljinder Kallar
Global Head of Payments and FX
HSBC
Keynote address
From A2A to VRP: what’s next for open banking payments?
Kevin Dearing
Head of API Commercialisation
NatWest
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?
Paul Horlock
Chief Payments Officer
Santander
Henk Van Hulle
Chief Executive Officer
Open Banking Implementation Entity (OBIE)
Dastan Shukanayev
Senior Payments Technology & Strategy Lead
Marks and Spencer
Stage 3 | The fight against fraud
Keynote address
‘Failure to prevent’: spotlight on the Economic Criminal Bill
Howard Rawstron
Head of Group Oversight Economic Crime Prevention
Lloyds Banking Group
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
Head of Insight
The Lending Standards Board
Kate Fitzgerald
Senior Advisor- Payments specialist
Payment Systems Regulator
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?
Terje Aleksander Fjeldvær
SVP – Head of Sanctions & Fraud Prevention
DNB
Aaron Elliott-Gross
Director, Group Head of Financial Crime and Fraud
Revolut
Technology Forum | Resilience and security
Keynote address
Resilient, robust, reliable: building a bank ready for anything
Joanna Pamphilis
Chief Digital and Information Officer
UniCredit Bank
Presentation
Ensuring cyber resilience throughout the business
Neil Robinson
Chief Information Security Officer
Virgin Money
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 Head of Model, Traded and Treasury Risk Audit
HSBC
Suresh Sankaran
Head of Model Risk Governance
Metro Bank
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?
Emma Mansfield
Operational Resilience Director
Lloyds Banking Group
Ravneet Shah
Chief Technology Officer
Allica Bank
Giles Taylor
Head of Resilience & Cyber Risk, Data Services
Lloyds Banking Group
Anurag Maheshwari
Global Head of Third Party and Corporate Banking Resilience Function
Standard Chartered Bank
Innovation lab | FinTech pitches
Pitch 1 | Tembo Money
Richard Dana
Co-Founder and Chief Executive Officer
Tembo Money
Pitch 2 | Doshi
Jaco Koenig
Co-Founder and Chief Technology Officer
Doshi
Lunch
Session three
Stage 1 | Open finance
Keynote address
PSD3: what can we expect?
Dirk Haubrich – European Banking Authority
Head of Consumer Protection, Financial Innovation and Payments
European Banking Authority
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
Founder and Co-Lead, Deutsche Bank API Program
Deutsche Bank
Tasha Chouhan
UK Banking and Lending Sales Director
Tink
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?
Hetal Popat
Director, Open Banking
HSBC
Stephen Wright
Head of Regulation and Standards, Bank of APIs
NatWest Group
Isa Natsa Goksu
Chief Technology Officer, UKI & DE
Globant
Stage 2 | Payments infrastructure
Keynote address
Instant, interoperable, global: future-proofing payments infrastructure
Dag-Inge Flatraaker
Senior Vice President of Group Payments Infrastructures
DNB
Spotlight
IXB: beyond the pilot
Emanuela Saccarola
Managing Director, Global Co-Head of Cross Border Payments and Receivables
Citi
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
Executive Director, EMEA Head of Real Time Payments
JP Morgan Chase & Co
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?
Cristian Cengher
Head of Payments Operations and Clearing
Erste Group
Sanjeev Bhatti
Principal - Product Manager - Direct Clearing and Emerging Payments
BNY Mellon
Simon Eacott
Head of Payments
NatWest
Stage 3 | Lending strategies
Keynote address
Lending innovation in an era of higher interest rates
Richard Saulet
Managing Director, Consumer Finance
Metro Bank
Case study | Skipton
Breaking the trapped rental cycle: Skipton’s 100% mortgage
Jennifer Lloyd
Head of Mortgage Product
Skipton Building Society
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
Head of Experience Design Lead, Homes & Mortgages
Lloyds Banking Group
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
Chief Product and Strategy Officer
Allica Bank
Scott Donnelly
Vice President, Head of Lending
Tide
Benjamin Dellal
Director of SME Lending
Metro Bank
Technology Forum | Banking in the cloud
Keynote address
Building a cloud-native bank
Luca Piezzo
Head of Cloud Center of Excellence
Banca Ifis
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
Head of Security Resilience
Truist
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
Innovation lab | Leaders of tomorrow
Refreshment break
Session four
Stage 1 | Accelerating the green transition
Keynote address
Putting sustainability at the core of transformation
Marisa Drew
Chief Sustainability Officer
Standard Chartered Bank
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
Pierre Moccand
Senior Vice president, Global Regulatory Governance
Citi
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
Stage 2 | Digital currencies and CBDCs
Keynote address
Digital Euro rollout: one year on
Alex Stervinou
Director, Cash and Retail Payments Policy and Oversight Directorate
Banque de France
Fireside chat
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?
Sabih Behzad
Managing Director, Head of Digital Assets & Currencies Transformation
Deutsche Bank
Lee McNabb
Payments Strategic Insights Lead
NatWest
Panel discussion
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 Bruggink
Head of Payments, Digital Finance and Innovation
WSBI-ESBG
Fanny Solano Agramonte
Director of Digital & Retail Regulation, Transparency and Implementation
CaixaBank
Jose Manuel Marques
Director Financial Innovation and Market Infrastructures Department
Banco de España
Stage 3 | Operational optimisation
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
Mattias Fras
Group Head of AI Hub
Nordea
Harsh Gambani
Executive Director, Global Lead – Data Products, Commercialisation and Go to Market Strategy
Standard Chartered Bank
Claire Cherrington
Head of Strategic and Technology Partnerships
Lloyds Banking Group
Fireside chat
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?
- 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
- Lean thinking and agile teams: how can organisational structures be optimised?
Rebecca Wyer
Chief Information Officer - Colleague & Technology
Virgin Money
John Skov
Head of Agile Innovation
Nordea
After party
Session five: Next-generation customer experience
Keynote address
Keeping customers at the heart of innovation
Taylan Turan
Group Head of Retail Banking & Strategy
HSBC
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
Chief Architect and Head of Product UK
Capital One
Keynote address
Striving for digital CX excellence
Sujata Bhatia
Chief Operating Officer
Monzo
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
Group Head of Retail Banking & Strategy
HSBC
Alina Agurida
Director - Digital Retail Banking
Raiffeisen Digital Bank
Ali Niknam
Chief Executive Officer
bunq
Paul Szumilewicz
Former Chief Customer & Operations Officer
C. Hoare & Co.
Refreshments
Session six
Stage 1 | Embracing the platform economy
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
Marks and Spencer
Case study
Raiffeisen Digital Bank
Jakub Malach
Founder, Chief Retail Banking Officer
Raiffeisen Digital Bank
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?
Maurizio Poletto
Managing Director George Labs
Erste Group Bank AG
Taner Akcok
Head of Global API Banking
Deutsche Bank
Jakub Malach
Founder, Chief Retail Banking Officer
Raiffeisen Digital Bank
Stage 2 | Delivering value for customers
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
Head of Data
Principality Building Society
Ronan Carter
Client Partner – FinTech
Google
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
Carolyn Thornley-Yates
Head of Mortgage Proposition & Distribution
Hinckley & Rugby Building Society
Jamie Renehan
Senior Manager, Advanced Analytics
Bank of Ireland
Stage 3: Building Society Forum | Leveraging the benefits of mutuality
Keynote address
Why there is power in mutuality
Des Moore
Chief Executive Officer
Cumberland Building Society
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
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
Gurminder Bhagrath
Chief Operating Officer
Plane Saver Credit Union
North Stage | Digital ID and AML
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
Head, Group Anti-Money Laundering Policy and Standards
Standard Chartered Bank
Vangelis Tsianaxis
Head of Controls, Models and Analytics
Santander
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
Head of International Business Expansion
BankID
Stacey Wilkinson
Product Owner, Bank of APIs
NatWest
Philip Bonhard
Head of Experience Design Lead, Homes & Mortgages
Lloyds Banking Group
Elinor Hull
Product Portfolio Director
Post Office
Lunch
Session seven
Stage 1 | Feeding the machine: Strategies for AI supremacy
Keynote address
Unleashing the power of generative AI
Krista Luijten – ABN AMRO
Head of Risk Data
ABN AMRO
Keynote address
Putting bets on the tech evolution: GenAI as a customer service enabler
Vladislavs Mironovs
Chief Strategy and Business Development Officer
Citadele banka
Fireside chat
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
- How can XAI go beyond binary outcomes? What needs to change?
- Transparency, interpretability, explainability: what are the practicalities of AI reporting and monitoring?
Luke Vilain
Generative AI Risk Assessment Lead
UBS
Panel discussion
Surfing the expanding sea of data
- From metadata to IoT: what new data sources are available to banks?
- Building a robust data management strategy: which technological advances will change the game?
- Leveraging AI for unstructured data: is this the key to extracting actionable insights at speed?
- A data-driven culture: how can data management excellence be integrated into the culture of an organisation?
- From streaming capabilities to dashboards: what actions are integral to boosting the speed of insights to action?
- Metrics, guidelines, auditing and beyond: best practices to maintain data quality throughout the business
- From GDPR to the Data Protection and Digital Information Bill: championing data protection in the new data economy
Dan Kellett
Chief Data Officer
Capital One
Ciara Moore
Chief Data and Digital Officer
Bank of Ireland
Vinita Ramtri
Head of Conduct and Controls
NatWest
Building Societies Forum | Championing member needs
Fireside chat
Meeting the demands of members: optimising channel strategies for building societies
- Member engagement: how are member demands evolving and how can building societies keep up?
- Embracing a multichannel strategy: how can this approach enhance both member and employee experiences?
- From physical to digital and back again: how can a seamless transition be ensured across all channels?
- From chatbots to mobile apps: what new technologies can enhance member engagement and attract new demographics?
- Influencing customer channel behaviour: how can the use of digital channels be encouraged?
- A fine balance: ensuring existing customers aren’t left behind
Tina Hughes
Director of Digital and Marketing Channels
Yorkshire Building Society
Fireside chat
Building a winning mobile app: competing in a mobile-first world
- A must-have for 2024? How can the mobile app enhance propositions for building societies?
- From Moneybox to PensionBee: how can building societies learn from those who have paved the way across financial services and beyond?
- Creating an app specification: what are the fundamental considerations?
- From fast and simple authentication to an easy user journey: what makes an excellent mobile app?
- An app for all: how must accessibility and inclusivity be taken into account?
- From push notifications to value-added services: what’s next for mobile app innovation?
Stephen Bowe
Director of Digital Experience & Innovation
Nationwide Building Society
Panel discussion
The role of the branch in a time of evolving customer needs
- The changing face of the branch: what will the future branch look like?
- Making branches phygital: how can this be achieved successfully?
- The branch as a USP: what role will branches play in building societies’ long-term strategy?
- Multi-kiosk pilot, pop-up branches, digital education hubs and beyond: how can building societies leverage branches to further support the communities they serve?
- Face-to-face engagement in a digital first world: to what extent will this be a key differentiator for building societies?
- A spotlight on employees: how can building societies upskill and empower branch employees in this new environment?
Anu Bailey
Director of customer Strategy
Leeds Building Society
End of conference
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