Agenda | MoneyLIVE Summit

2025 Agenda

Explore the agenda featuring the hot topics that will be covered at the event.

Session One: Banking Strategy and Innovation

09.15 - 09.35

Keynote address

Transforming a bank to stay ahead of the competition

Ron van Kemenade

Group Chief Operating Officer

Lloyds Banking Group

09.35 - 09.55

Advisory

Beyond automation: agentic AI as the catalyst for enterprise evolution

Jan-Willem Weggemans

Vice President

Publicis Sapient

Tim Mason

Managing Director AI and Innovation

Deutsche Bank

James Reid

Central Communities, Chief Information Officer

Nationwide

09.55 - 10.15

Fireside chat

Revolut’s revolution: the rise of a digital bank

Dr Francesca Carlesi

Chief Executive Officer

Revolut UK

10.15 - 10.45

Leaders' Forum

Banking strategy: the priorities for 2025 and beyond

What policy and economic drivers will shape bank strategy in 2025 and beyond?

The outlook for challenger and FinTech growth: what are the implications for banks?

The CX challenge: how can banks keep up with BigTech and rapidly evolving customer expectations?

The open data future: how should banks position themselves to reap the benefits of the API economy?

Emerging technologies: how can banks unlock value from AI and DLT responsibly and sustainably?

Where should banks invest to modernise core banking systems to enhance efficiency and resilience?

Vulnerability and fairness: how can banks ensure they protect vulnerable customers and deliver fair value?

Saif Malik

Chief Executive Officer and Head of Client Coverage, UK

Standard Chartered Bank

Jason Clinton

Managing Director, Head of Financial Institutions Group, Europe & Global Head Non-Bank Financial Institutions

JP Morgan

Solange Dive-Chamberlain

Group Director, Strategic Development

NatWest

Stage 1 - Bank strategy: the key drivers for 2025

11.20 - 11.35

Keynote address

A regulatory approach to deliver for consumers and competitiveness

Emad Aladhal

Director - Retail Banking Supervision, Policy & Competition

Financial Conduct Authority

11.35 - 12.00

Leaders' Forum

Economic outlook: the opportunities and risks

Interest rate outlook: what are the likely short and longer-term trends?

Housing market trends: what factors are likely to impact lending strategies?

Consumer spending: what are the opportunities and risks for retail banks?

Tariffs, sanctions, geopolitical tension: what will global trends mean for the industry?

Frances Haque

Chief Economist

Santander

Sebastian Burnside

Chief Economist

NatWest

Klaus Baader

Global Chief Economist

Société Générale

12.00 - 12.20

Advisory

Maximise customer lifetime value through Artificial Intelligence

Barry de Leeuw

Regional Director SE - Europe

Backbase

12.20 - 12.40

Interview

PSR and PSD3: the strategic implications for banks

Understanding the legislation: what new obligations will PSR and PSD3 place on banks and PSPs?

Being proactive: what are the key compliance timelines and how should banks and PSPs be readying for them?

From SCA to fraud liability changes: what impact will the legislation have on counter fraud compliance?

Verification of Payee: how should banks ensure they are ready for real-time name and IBAN checks?

API standardization: how will banks need to prepare their APIs to facilitate third party integration?

The competitive impact: to what extent will the legislation level the playing field between banks and non-banks?

Jessica Ramos

Head of Financial and Regulatory Affairs

EBA CLEARING

12.40 - 13.10

Panel discussion

Challenger bank growth strategy: navigating an evolving market

Assessing the challenges for growth: from reduced funding to incumbent fightback

From seamless digital CX to PFM: how can challenger banks differentiate and find their competitive advantage?

Turning existing customers into primary customers: how can challengers foster trust and encourage the switch?

Premium services and subscription models: to what extent are these the key to profitability?

Finding your niche: is specialisation the key to challenger bank success?

Cracking the lending market: how can challengers enter and grow their lending portfolios sustainability?

Expanding cross-border: how can challenger banks seek to expand and grow in new markets?

Bianca Zwart

Chief Strategy Officer

bunq

Mark Mullen

Chief Executive Officer

Atom Bank

Alex Mollart

Chief Executive Officer

Tandem

Nelson Wootton

Co-Founder and Chief Executive Officer

SaaScada

Stage 2 - Payments infrastructure

11.20 - 11.35

Keynote address

Unlocking choice and delivering growth: The National Payments Vision

Michael Ellis

Chief Financial Officer

Pay.UK

11.35 - 11.55

Fireside chat

Leveraging ISO 20022 enhanced data

Streamlining payments: how can enriched data help improve STP and reduce processing time?

Counter fraud: how can enhanced fraud data (EFD) be leveraged in counter-fraud strategies?

Customer insights: how can enriched data be used to identify cross-selling opportunities?

Corporate services: what value-adding insights and new services could enriched data unlock?

Justin Brearley-Smith

Vice President Global ISO Product Lead

JP Morgan

Daragh Kirby

Head of Sales and Marketing

Intercope

11.55 - 12.15

Advisory

What’s all this fuss about X-border? Insights from the fastest growing revenue stream in payments

Mick Fennell

Business Line Director - Payments

Temenos

Fireside chat

The instant payment mandate: the strategic implications

The EU instant payments mandate: what are the new requirements? How have banks started to prepare?

From batch-based to instant settlement: what new demands will treasury teams face?

Assessing the impact of year-round, 24/7 instant payments: how can banks effectively mitigate the costs?

How should banks equalise instant and non-instant payment charges? And is there scope for differentiation?

Michael Knetsch

Director Business Product Expert, Tribe Lead Instant Payments

Deutsche Bank

Cristian Cengher

Head of Payments Operations and Clearing

Erste Group

Matthew Williamson

SVP & Industry Principal

Endava

12.40 - 13.15

Panel discussion

Modernising core payment architecture for the long term

Customer satisfaction: how should banks prioritise customer outcomes in their modernisation journeys?

How should legacy systems be modernised to adapt to the growing diversity of payment methods?

ISO 20022: what can be learned from migrations to date? And what challenges still need to be overcome?

What impact will PSD3 have on payment security requirements?

Cross border rails: how can banks drive improvements in cost, transparency, speed, and access?

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Moulika Atluri

Director

Citi

Ben Ashwell

Electronic Payments Director

Nationwide Building Society

Lee McNabb

Head of Payment Strategy & Partnerships

NatWest

Gabriela Giannattasio

Vice President of EMEA

Veritran

Stage 3 - Digital ID and authentication

11.20 - 11.40

Fireside chat

The future of Digital ID and counter fraud

The future of Digital ID and counter fraud

Laying the foundation: how are governments creating a legislative framework for Digital IDs?

Private sector innovation: how are businesses breaking new ground in the digital identity market?

Fraud risks: how are market trends around Digital IDs set to impact banks’ counter fraud strategies?

The rise of deepfakes: to what extent can digital identities counter the emerging threat?

Phillip Mind

Director, Digital Technology and Innovation

UK Finance

Russ Cohn

SVP Go-To-Market

IDVerse

11.40 - 12.00

Case study

Reimagining digital onboarding and KYC

Sadeque Ahmed

Executive Director, Head of KYC & Onboarding

JP Morgan Chase & Co

12.00 - 12.20

Advisory

Toward an Era of Verified Trust in Financial Services

Financial fraud is evolving fast—with deepfake attacks, adversarial AI-driven threats, and scams affecting customer trust while attracting increasing attention from regulators.

In response, financial institutions must move toward embracing verified trust, where the identity of those participating in any digital interaction meets appropriate levels of assurance at a given stage of a digital journey. Verified trust ensures that every user, device, and transaction is continuously validated against first- and/ third-party trust anchors.

Converged identity and access management (IAM) provides financial institutions with the comprehensive capabilities needed to embed verified trust at the core of all customer, workforce, and third-party digital touchpoints.

Join this fireside chat to find out why converged IAM is rapidly becoming a strategic enabler of verified trust within the context of the financial services fraud landscape.

Adam Preis

Director of Product and Solution Marketing

Ping Identity

Marcin Zimny

Principal Solutions Architect

Ping Identity

12.20 - 12.40

Interview

The Large-Scale Pilots: where are we now?

Exploring developments across the EU to date: from ID-enabled payment authentication to ID-enabled bank account opening

A spotlight on EWC: what now, where next?

From eGov services to travel: how could pilots outside the banking industry indirectly impact the sector?

Annet Steenbergen

Independent Advisor Digital Identity and Travel

EU Digital Identity Consortium

12.40 - 13.10

Panel discussion

Unlocking value with next-gen identity and authentication

Streamlining transactions: to what extent can digital ID authentication unlock revenue for banks?

Seamless verification and onboarding: what role can digital IDs play in enhancing CX?

Automating KYC and AML: how can digital IDs be leveraged to optimise counter fraud operations?

Voice, face, fingerprint and palm: what’s next for next-gen biometric authentication?

How should banks position themselves to reap the opportunities of the new EUDIW ecosystem?

Build, buy or partner: should banks issue their own digital ID solutions?

What are the key pain points in implementing bank-issued digital IDs? How can they be overcome?

Monica Carlesso

Business Platform Lead, Authentication & Identity

Lloyds Banking Group

Jonas Brännvall

Head of International Business Expansion

BankID

Rishi Chauhan

Director of Product for Identity & Fraud

Veriff

Stage 4 - AI in action

11.20 - 11.35

Keynote address

AI in action: lessons from the pioneers

Dara Sosulski

Managing Director, Head of Artificial Intelligence and Model Management, MSS

HSBC

11.35 - 12.05

Panel discussion

Unlocking the power of generative AI and automation in banking

Intelligent, continuous improvement: how can AI enhance and refine workflow automation compared to traditional RPA?

Which workflows can be fully automated? And which tasks are currently too complex or risky?

Where is human oversight necessary? And how can banks manage the risks and compliance challenges?

Implementing AI within existing workflows and systems: what challenges are yet to be overcome?

Kåre Kjelstrøm

Chief Technology Officer

Lunar

Jehangir Byramji

Senior Lead, Innovation, Emerging Technology

Lloyds Banking Group

Ludwig Mallia

Head of Agile and Value Stream Delivery

Bank of Valetta

12.05 - 12.25

Advisory

The era of AI agents & digital labour

Spyros Sakellariou

Group AI and Data Analytics Director

AUSTRIACARD HOLDINGS

12.25 - 12.50

Fireside chat

The AI-powered bank: the potential and prerequisites

Cutting through the hype: where is AI set to have the greatest impact in transforming everyday banking?

Ensuring business value: how can banks effectively evaluate where AI will add value for the enterprise?

Leveraging AI for customer support and self-service: what can be learnt from innovative solutions on the market today?

From segmentation to personalised messaging: how can FI’s leverage AI to enhance customer engagement and marketing strategies?

Optimising operations: where can banks leverage AI and RPA to increase agility and efficiency in core processes?

AI-driven decisioning: how can banks harness AI to drive efficiencies in credit decisioning and enhance lending operations?

Mitigating risk: how can banks develop effective risk management frameworks for different AI use-cases?

Fostering an AI-enabled culture: how can banks train and boost staff confidence to use AI effectively?

David Solans Vinagre

Head of Data Science

Santander

Giovanni Oppenheim

Head of Banking Solutions

Earnix

Workshop Stage - Vulnerability Workshop

11.20 - 11.30

Chair's opening remarks

Gina Bryden

Associate Partner

CACI

11.30 - 11.50

Keynote address

Achieving digital accessibility for all

Andrew Warren

Chief Digital Officer – Retail and Business Banking

Santander

11.50 - 12.10

Advisory

Navigating vulnerability in customer experiences: leveraging holistic segmentation, data and insights to deliver ‘good outcomes’

Rao Meera

UX Lead

CACI

Ed Sewell

Partner- Data Strategy

CACI

12.10 - 12.45

Group discussion

Delegates will break out into five groups to discuss the following areas of consideration for protecting vulnerable customers.

Understanding and identifying the characteristics of vulnerability within their target market and customer base

Ensuring staff have the right skills to recognise and respond to the needs of vulnerable customers

Responding to customer needs throughout product design, customer service and communications

Continuously monitoring and assessing whether they are meeting and responding to the needs of vulnerable customers

Ensuring automated systems include adequate safeguards for vulnerable customers

12.45 - 13.00

Group feedback

Startup City Stage - Startup City

11.20 - 11.30

Chair's opening remarks

Willem Knaap

Mentor

Startupbootcamp

11.30 - 11.50

Keynote address

Unlocking growth: scaling FinTech success in a competitive market

Mark Kovic

Chief Marketing Officer

Ziglu

11.50 - 12.30

Panel discussion

Founders’ journeys and question time 

Start-up vision: how did you decide on the market proposition? What inspired you to tackle the sector you did?

Funding journeys: what are the steps you took to secure funding from pre-seed to seed stage and beyond?

Deciding the right investors for your business: what are the key considerations?

Challenges of scaling: how did you overcome the obstacles on the way to achieving sustainable growth?

How should start-ups build a strong culture to attract and retain the right talent?

Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind?

Joel Perlman

Co-Founder & Managing Director

OakNorth Bank

Jonathan Lister Parsons

Co-founder & Chief Technology Officer

PensionBee

James Saunders

Co-Founder & Chief Technology Officer

RelyComply

12.30 - 13.00

Panel discussion

Commercial solutions for the green transition

Lightning introduction of the founders and their start-ups followed by panel discussion.

How is the green transition and regulatory change opening up new opportunities for start-ups?

Greening homes: how are start-ups helping to reducing household carbon emissions?

From EV charging to utilities: how are start-ups set to crack the green energy market?

Green financing: to what extent is there a gap in the market for sustainable finance?

Decarbonising-as-a-service: how are start-ups aiding other businesses in reducing their climate footprint?

How should founders ensure their proposition can effectively meet the needs of a changing market?

Felix Hughes

Director & Chief Growth Officer

Bueno Europe

Krista Tukiainen

CCO and Co-Founder

ClimateAligned

Yodaly Sierra Rubio

Founder

Eco2Wallet

Al Costa

Chief Executive Officer

TeknTrash Robotics

Stage 1 - Customer experience and engagement

14.15 - 14.30

Keynote address

It's easy to be tech-driven, harder to improve customers' lives

Jorissa Neutelings

Chief Digital Officer

ABN AMRO

14.30 - 14.50

Fireside chat

The AI customer experience revolution

Richard Caven

Worldwide Banking Specialist

Amazon Web Services

Riaan Dreyer

Chief Digital and Data Officer

Íslandsbanki

14.50 - 15.10

Advisory

Achieving real change: getting the highest impact from your CX transformation

Andrew Stevens

Head of Enterprise Digital Portfolio Strategy

Quadient

15.10 - 15.30

Fireside chat

Delivering next-gen personalisation

From personalised offers to PFM: what cutting edge personalised services should banks be offering?

From customer segmentation to personalised messaging: how can generative AI enhance marketing and engagement strategies?

Serving the segment of one: how can AI be harnessed successfully for predictive insights?

From data quality to accurate models: what are the greatest barriers? And how can they be overcome?

What new data sources are available to banks to more accurately predict customer needs?

Saira Khan

Head of Innovation and Partnerships

First Direct

Jamie Renehan

Head of Behavioural Insights

Bank of Ireland

Kurt Vogt Gwerder

Director, Strategy Consultant

Curinos

15.30 - 16.05

Leaders' Forum

Charting the priorities for customer strategy: 2025 and beyond

Competing with BigTechs and super apps: how can banks keep up with evolving customer expectations?

From PFM to financial advice: what actions can banks be taking to improve customer financial wellbeing?

The ongoing Consumer Duty challenge: how can banks continue to deliver fair value and outcomes?

From mortgage applications to online banking: how can banks offer frictionless journeys across all offerings?

What are the biggest challenges in delivering end-to-end digital, self-service banking?

To what extent will generative AI be a game changer in customer-bank interactions? And what are the hurdles still to overcome?

Value-adding engagement: how can real-time data and AI personalise offers at speed and scale?

Tamara van den Ban

Managing Director, Customer Propositions

Lloyds Banking Group

Tanvi Gokhale

Managing Director, Customer Propositions & Journeys

NatWest

Anders Berg Jensen

First Vice President ｜ Digital Development, Retail Customers

Danske Bank

Simon Murray

Practice Director, Digital Strategy

Adobe

Stage 2 - Open banking payments

14.15 - 14.35

Presentation

SPAA scheme, the end of the beginning for open finance?

Giorgio Andreoli

Director General

European Payments Council

14.35 - 14.55

Interview

The global evolution of A2A payments

What can European A2A schemes learn from the successes of A2A schemes globally?

Consumer uptake: what are the main barriers to mass adoption and how can they be addressed?

Piotr Jan Pietrzak

New Markets Lead

European Payments Initiative

14.55 - 15.15

Fireside chat

Towards sustainable revenue models

Shifting from compliance-driven to commercially driven models: where are we on the journey?

Building a default remuneration model: to what extent does the SPAA offer a viable commercial model to all parties?

Reducing cost: how can open banking payments compete effectively with interchange pricing?

How can purchase protections and dispute mechanisms be replicated in a non-card landscape?

Alternative funding models: how might banks recoup the costs of payment in the future?

Diederik Bruggink

Head of Payments, Digital Finance and Innovation

WSBI-ESBG

15.15 - 15.55

Panel discussion

Open payment propositions: adding value to merchants

Increased conversion: to what extent can open banking payments lower failure rates for businesses?

From reduced settlement time to real-time cash flow visibility: how can open banking improve merchants’ liquidity management?

Reduced fraud risk: how can open banking payments improve the security of online payments?

Lowering cost of processing fees and chargebacks: how much can open banking payments save merchants compared to cards?

VRPs vs. direct debits: what are the advantaged, from ease of payment set-up to flexible subscription management?

From marketplace payouts to automated refunds: how can API-driven solutions automate and streamline payments?

Interoperability, payment certainty and purchase protection: what are the prerequisites for mass adoption?

Ana Climente

Head of Open Banking, Spain

BBVA

Rebecca Shao

Innovation & FinTech Leader

Jaguar Land Rover

Yash Morar

Senior Propositions Manager - DTC Consumer Finance & Payment Strategy Development

Samsung

Stage 3 - Counter fraud

14.15 - 14.30

Keynote address

The garden of Eden: from Romance to the Apple and everything in-between!

Howard Rawstron

Head of Group Oversight Economic Crime Prevention

Lloyds Banking Group

14.30 - 14.55

Panel discussion

The evolution of AML, KYC and AI

AML: how are regulatory expectations surrounding AML and KYC evolving?

Why perpetual KYC? How can continuous updates complement and build upon traditional KYC methods?

How can banks ensure a continuously updating and holistic understanding of the customer?

How can AI effectively enhance KYC processes: from client screening to transaction monitoring?

AI deepfakes and the challenge to eKYC: to what extent are deepfakes undermining traditional KYC methods?

Speech, image, and video: what types of deepfakes are we seeing and how easy are they for fraudsters to develop?

Detecting and countering deepfakes reliably: what tools can best safeguard against the emerging threat?

Simone Poon

Head Group AML Policy and Standards

Standard Chartered Bank

Parya Lotfi

Co-Founder and CEO

DuckDuckGoose AI

14.55 - 15.25

Panel discussion

APP fraud: strategies for prevention

The PSR reimbursement model: what has the impact of the APP fraud regulation been so far?

Social media and online marketplaces: how can banks provide additional protection on less secure channels?

Staying on top of social engineering: how can insights be used to inform customer education and nudges?

Behavioural analytics: what role can innovative behavioural indicators play in effectively tackling APP fraud?

Rory Tanner

Head of UK Government Affairs and Public Policy

Revolut

Vaidotas Kaukenas

Head of Card & Payment Fraud Analytics

Danske Bank

Oliver Hanmer

Head of Supervision and Compliance Monitoring

Payments Systems Regulator

Ilya Brovin

Chief Growth Officer

Sumsub

15.25 - 15.55

Panel discussion

Data, analytics and AI: the next frontier in counter fraud

Assessing the state of play: what are the limitations of existing rules-based counter fraud tools?

From real-time detection to reduced false positive rates: what are the key advantages of AI counter fraud tools?

How can banks assess the right AI-based tools for their needs amidst competing solutions?

How can banks address the data maturity requirements necessary for AI accuracy?

Managing the reputational risks: how can banks ensure AI/ML tools act ethically, avoiding biases?

How can banks ensure AI/ML decision making is transparent to build trust and facilitate human oversight?

From open banking to 20022’s enhanced fraud data: what new data sources can, and should, banks be leveraging?

Power in collaboration: how are banks breaking new ground in counter fraud information sharing?

The EBA’s FPAD initiative: will it prove a game changer in fraud prevention for European banks?

Vinita Ramtri

Senior Business Leader

Challenger Bank

Erwin Kulk

Head of Service Development and Management

EBA CLEARING

Colin Whitmore

Strategy, Innovation and Design, Financial Crime Compliance

NatWest Group

Colin Parsons

Vice President, Head of Fraud Product Strategy

Nasdaq Verafin

Stage 4 - Legacy modernisation, cloud and data maturity

14.15 - 14.50

Panel discussion

Cloud migration strategies: unlocking the value

Cost, performance, scalability and CX: how should banks ensure clarity and realism in their migration objectives?

Rehost, refactor, re-platform: how should banks decide the right pathway to migration?

Best practice in application migration: what are the practicalities and what are the pitfalls to avoid?

Exit strategies: how can banks ensure they can switch cloud providers with minimal disruption?

Pekka Suomalainen

Chief Information Officer

Säästöpankkiryhmä

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis

Jeremy Olsen

Managing Director

Refractis

14.50 - 15.10

Advisory

Are your IT systems as reliable as your business demands?

André Simões

Principal Architect, Dependable Systems Evangelist

Crossjoin Solutions

15.10 - 15.45

Leaders' Forum

Modernising banking

How can banks achieve the level of enterprise agility that’s needed in today’s competitive landscape?

Scalability: how can banks build architecture that can seamlessly scale while maintaining performance?

Re-platforming, re-factoring or core bypass: how should banks decide the right modernisation pathway?

Navigating greenfield and brownfield modernisation: considerations for the long-term

How can banks best leverage cloud to create agile microservice-based architectures?

The role of AI: transforming legacy code

preparation using artificial intelligence

De-risking transformation: what strategies can banks employ to ensure minimal disruption to core operations?

Jinhong Brejnholt

Chief Cloud Architect, Global Head of Cloud & Container Platform Engineering

Saxo Bank

Sailesh Panchal

Chief Technology Officer

TSB Bank

Agata Wolska

Project Manager Portfolio Delivery

Bank of Valletta

Margus Simson

Chief Digital Officer (CDO), Member of the Board

Komerční banka

Workshop Stage - AI Workshop

14.15 - 14.25

Chair's opening remarks

14.25 - 14.45

Keynote address

Ethical AI in banking

Kåre Kjelstrøm

Chief Technology Officer

Lunar

14.45 - 15.00

Advisory

Getting AI to do work

Francois Zimmermann

Field CTO - Data Cloud EMEA

Salesforce

15.00 - 15.30

Group discussion

Delegates will break out into five groups to discuss the following areas of consideration for AI.

Establishing a governance structure with clear roles and responsibilities adequate to local regulatory requirements

Avoiding bias in AI decision-making and ensuring fair and equitable treatment for all individuals

Safeguarding customer data and privacy and ensuring systems are robust against adversarial cyber threats and attacks

Ensuring model transparency and explainability to aid informed decision-making and regulatory compliance.

Establishing mechanisms for continuous monitoring, evaluation, and performance measurement

15.30 - 15.45

Group feedback

Startup City Stage - Startup City

14.15 - 14.20

Chair's opening remarks

14.20 - 14.40

Fireside chat

Scale-up strategy 

Tamara van den Ban

Managing Director, Customer Propositions

Lloyds Banking Group

Will Billingsley

Cofounder & Chief Commercial Officer

14.40 - 15.10

Panel discussion

Cross-border expansion: strategies for start-up success

Lightning introductions followed by panel discussion.

How can start-ups effectively research and understand new markets before deciding on expansion?

What factors should start-ups consider when identifying potential barriers to entry in new markets?

How should start-ups adapt their marketing approach to new markets while maintaining brand consistency?

What are the most effective ways to establish “boots on the ground” when expanding internationally?

What business models have proven successful for start-ups in growing their customer base in new markets?

How can start-ups ensure they can navigate different regulatory environments effectively?

Idorenyin Obong

Chief Executive Officer

Grey

Alex Blay

Head of Strategic Partnerships

Mifundo

Marc Baxter

Director of Product and Propositions

Nomo Bank

Daniel Lanyon

Co-Founder & General Partner

Tramlines

15.10 - 15.45

Panel discussion

Delivering innovative solutions for SMEs

Lightning introductions followed by panel discussion.

Enhancing the SME banking experience: what are the current pain points for start-ups to address?

From onboarding to online dashboards: how can the SME banking experience be improved?

What value-added services are in demand? From automated invoicing and accounting to ERP integration

SME lending: how are start-ups best placed to fill the SME financing gap?

Point of Sale: how can start-ups make payment acceptance easier for SMEs?

Counter fraud: how can security and financial crime protection for SMEs be enhanced?

Katya Dorofejeva

Co-Founder and CEO

Kapaga

Liyi Victor

CEO/CPO

Gladefinance

Stage 1 - Lending

16.40 - 17.00

Presentation

Digitising the housing journey: strategies for success

Philip Bonhard

Head of Experience Design Lead, Homes & Mortgages

Lloyds Banking Group

17.00 - 17.20

Advisory

Beyond the Headlines: Proactive Lending in a Volatile Market

Andrea Cox

Affordability Director

Equifax

Kamini Patel

Director of Client Analytics

Equifax

17.20 - 17.40

Interview

AI in credit risk modelling: unpacking the potential

The future of decisioning: what role can machine learning and AI play in enhancing credit risk assessment?

Enhancing model data: what alternative data sources can, and should, banks be integrating into risk models to improve decision accuracy?

The compliance challenge: how can banks anticipate regulatory concerns and ensure adequate governance of automated decisioning tools?

Neil Evans

Head of Credit Risk

OakNorth Bank

17.40 - 18.00

Fireside chat

Embedded lending: developing a competitive distribution strategy

The embedded lending boom: how significant are the potential revenue opportunities for banks?

How can embedded lending help banks to identify new customer segments and bolster acquisition at low cost?

Identifying the best distribution channels: how can banks identify which partners offer the best ROI?

How can banks position themselves as optimal partners for the embedded ecosystem?

Ensuring ease of integration for partners: what are the key components banks need to get right?

The borrower experience: how can banks deliver excellent embedded lending experiences for the end user?

Decisioning at speed: how can banks ensure embedded lending is seamless without compromising on risk assessments?

BNPL and PoS financing: which markets see the largest growth potential? How can banks compete?

Ankur Sisodia

Head of Product, Lending and Savings

N26

Nick Bennett

Chief Technology and Operations Officer

Castle Trust Bank

Stage 2 - Payment wallets and cards

16.30 - 16.50

Keynote address

Building a market-leading wallet

Natalie Invernizzi

Head of UK Payments Partnerships, Google Pay & Wallets

Google

16.50 - 17.20

Fireside chat

Adding value in the cards landscape: from wallets to rewards

How can banks successfully identify customer segments and enhance credit card value propositions for customer needs?

Monetising data: how can banks effectively leverage card transaction data to identify cross-selling opportunities?

To what extent can rewards and card-linked loyalty schemes help banks compete with alternative payments?

The digital wallet boom: how can banks drive card revenue through wallet ecosystem investment?

Helen Bierton

Everyday Banking Director

Lloyds Banking Group

Steven Robson

Global Head of Liquidity WPB

HSBC

Leeroy Pye

Chief Executive Officer

TagSystems (member of AUSTRIACARD HOLDINGS)

17.20 - 18.00

Leaders' Forum

Adapting strategies to the rise of alternative payment methods

The decline of card supremacy: how is APM growth set to impact card revenue streams in the long term? How should business models adapt?

The BNPL boom: to what extent is point of sale financing set to take on credit card growth?

What features and benefits should banks focus on when modernizing card offerings to compete with emerging APMs?

Investing in open banking solutions: how can banks unlock value for merchants and drive new acquiring revenue?

From NatWest’s Payit to Revolut Pay: what lessons can be learned from innovative APM offerings?

The wallets opportunity: how must banks position themselves to unlock revenue from the digital wallet ecosystem?

The BigTech threat: how can banks stay ahead in the competition against innovative BigTech wallets?

From EPI’s wero to SPAA: how should banks evaluate the benefits of joining new open banking and wallet schemes?

The future payments value chain: how should banks secure their place? And what partnerships could strengthen their position?

Giorgi Kintsurashvili

Head of Digital Banking Ecosystems

Bank of Georgia

Stephen Wright

Head of Regulation and Standards, Bank of APIs

NatWest Group

Dan Moore

Head of Strategy, Analysis and Engagement

Payment Systems Regulator

Sarah Simmons

Vice President

Goldman Sachs

Stage 3 - Resilience and security

16.35 - 17.00

Fireside chat

From IT security to third party risk: building security strategies for 2025 and beyond

From ransomware to social engineering: where are the emerging cybers threats? And how should bank cybersecurity strategies adapt?

Ecosystems risks: what emerging risks do third-party IT partnerships pose and what can banks do to effectively mitigate them?

Cloud security threats: how can banks proactively address the cybersecurity risks as systems are migrated to cloud?

Dante Jackson

Senior Vice President, Head of Security Resilience

Truist

Sabine Schmidt

Director Channel Security, Cyber & Third Party Fraud

ABN AMRO

17.00 - 17.40

Panel discussion

DORA: lessons learned and the next steps for ongoing compliance

The road to compliance: what were the main challenges faced during the initial implementation of DORA?

ICT risk management frameworks: how effective have new frameworks been? And what ongoing challenges still need to be addressed?

Third party-risk and enhanced oversight: how has DORA impacted relationships with third-party service providers?

Incident reporting mechanisms: how effective have the new reporting processes been? What areas still need improvement?

The testing challenge: how can banks ensure ongoing compliance through regular testing and updates?

Partnering for resilience: how should banks identify vendors that can support banks in meeting testing and reporting requirements?

Future-proofing DORA compliance: what approaches are banks adopting to maintain continuous compliance for the long term?

Emma Mansfield

Operational Resilience Director

Lloyds Banking Group

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

Sam Ghosh

Director, Group Third Party Risk Lead and Head Resilience Risk Oversight - Group Procurement

HSBC

Startup City Stage - Startup City

16.30 - 16.45

Keynote address

The venture capitalist view: what to look for in a winning start-up

Ben Carter

Investment Director, Head of Life Sciences

Deepbridge Capital

16.45 - 17.15

Panel discussion

Investors and start-up partnerships: the pain points and pitfalls

Lightning introduction of the founders and investors followed by panel discussion.

What are the key criteria VCs and bank investors look for when identifying a suitable start-up to invest in?

What are founders looking for from their investment partners? What key factors should they consider?

What strategies can be employed to better align diverse stakeholder interests?

What are the leading causes of organisational misalignment, and what strategies or structures can investors and start-ups employ to ensure better synergy?

How can investors and start-ups structure their partnership agreements to establish clear roles, responsibilities, and risk/revenue sharing models?

What strategies have proven successful in fostering effective partnerships, and what can founders learn from past mistakes and failures?

Roger Berger

Head of FinTech

BNP Paribas

George Groshkov

Chief Strategy Officer

Mint Ventures XYZ

Ala Presenti

Co-Founder and Head of Finance

Moniflo

17.15 - 17.30

Presentation

nsave's journey to unlock financial inclusion

Amer Baroudi

Co-founder & CEO

nsave

17.30 - 17.50

Case study

Empowering future generation

Philip Haglund

CEO and Founder

Gimi

Gimi – a gamified educational mobile banking app for families, delivered to banks using open banking.

17.50 - 18.00

Startup City Awards

Jason Williams

Chief Executive Officer

FinTech Power 50

The innovation ready bank

09.15 - 09.20

Chair's opening remarks

09.20 - 09.35

Keynote address

Customer-centric innovation

Jayne Opperman

Chief Executive Officer Consumer Relationships

Lloyds Banking Group

09.35 - 09.55

Advisory

How to deliver next generation banking

Yaprak de Beaufort

Vice President, UK&I Head of VAS

VISA

Vishal Dalal

Chief Executive Officer

Pismo

09.55 - 10.15

Fireside chat

Navigating emerging risks in turbulent times

From climate change to geopolitics: how can banks adapt their risk management practices to systemic change?

The double-edged sword of AI: how can banks best mitigate the emerging risks and exploit the opportunities?

From DDoS to third-party attacks: how can banks keep pace with the increasing complexity of cyber-attacks?

Ensuring digital operational resilience post-DORA: what are the key lessons learnt for best practices?

Balancing innovation and risk: how can banks mitigate the hidden risks of digital transformation

Philippe Coue

Group COO, Cybersecurity and Risk IT

Groupe Crédit Agricole

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

10.15 - 10.45

Panel discussion

The future of API-driven business models

Banking-as-a-Service: how significant are the potential untapped revenue opportunities?

Ensuring BaaS propositions are value-adding: what are the key factors banks must consider?

Ensuring ease of integration: from quality APIs to a flexible cloud-based composable architecture

The fintech and neo-bank challenge: how can incumbents effectively compete in the BaaS market?

The regulatory challenge: how can BaaS providers adequately anticipate compliance requirements?

Creating a premium API: what services can banks provide to meet specific business demands?

Subscription, freemium or pay-by-call: how can banks design an effective API pricing strategy?

The next market niches: what does the future for open banking commercial models hold?

Hetal Popat

Director, Open Banking

HSBC

Mark Willis

Managing Director, Head of API & Digital Asset platforms, CIB

Standard Chartered Bank

William Boocock

Head of Partnerships

Starling Bank

Carmela Gómez Castelao

Head of Open Banking

BBVA

Ram Devanarayanan

Head of Business Consulting, Finacle Europe

Infosys Finacle

Stage 1 - Open banking strategies

11.20 - 11.35

Keynote address

NatWest Boxed: becoming a leading BaaS provider

Andrew Ellis

Chief Executive Officer

NatWest Boxed

11.35 - 11.55

Keynote address

Enhancing hyper-personalisation through data-driven innovations

Taner Ackok

CTO of Corporate Bank Germany

Deutsche Bank

11.55 - 12.20

Advisory

Revealing the cognitive banking advantage: An AI-Powered customer experience that drives results

Udi Ziv

CEO

Personetics

12.40 - 13.00

Advisory

Using Behavioural Data to Prevent Fraud & Protect Vulnerable Users

Discover how Pinnacle Pet Group uses real-time insights and predictive analytics to enhance customer experiences. Diane will share how her team leverages behavioral data to meet Consumer Duty regulations, prevent fraud, and support vulnerable customers—driving both consumer well-being and business success.

Diane Leung

Head of Protect & CRO

Pinnacle Pet Group

Lily Christensen

Enablement Lead

FullStory

12.55 - 13.15

Fireside chat

Customer loyalty and engagement

Fostering loyalty and trust in a digital age: what are the key considerations?

From different cultures to different generations: engaging all customers effectively

How can new data sources be leveraged for value-adding, personalised engagement?

What role will AI and real-time analytics play?

Louis Blackburn

Formerly Lloyds Banking Group

Iain Murphy

Managing Director

Contentstack

Stage 2 - Optimising payments for merchants

11.20 - 11.30

Chair's opening remarks

Ivan Khoruzhyy

Consultant

Euromonitor International

11.30 - 11.50

Keynote address

The evolution of eCommerce: assessing the opportunities and challenges for banks

Pierre-Antoine Vacheron

Chief Executive Officer, Payments

Groupe BPCE

11.50 - 12.35

Panel discussion

Enhancing payments propositions: adding value for merchants

Diversity of payment methods: how can banks help merchants effectively provide multiple payment options?

Fraud and chargeback services: how can banks offer tailored fraud services to meet merchants’ needs?

Payments portals: how can banks offer streamlined online dashboards to enhance the merchant experience?

Actionable business insights: how can banks enhance their reporting and analysis offerings?

Providing customer insights: how can banks help merchants to identify spending habits and hone sale strategies?

Accounting and ERP integration: how can banks improve the merchant experience through seamless integrations?

Competing with Point-of-Sale providers: to what extent can incumbent banks take on the gateway market?

Loyalty schemes: how can bank acquirers offer rewards and bolster customer loyalty as part of their propositions?

Bhavna Saraf

Senior Industry leader, Payments & Banking

Santander

Veronique Constans

Cash Management & Payments Solutions Strategy, Insights & Innovation

Lloyds Banking Group

Benjamin Sykes

Director – Global Payment Solutions

HSBC

Santosh Kumar

Senior Vice President & Head of UK Banking and Europe FinTech

HCLTech

Stage 3 - Building societies: mortgage innovation

11.20 - 12.00

Panel discussion

Optimising customers’ mortgage journeys

Enhancing member satisfaction: why is improving customer journeys critical?

Accelerating speed to mortgage in-principle and mortgage offers: what strategies can building societies employ?

How can friction in the application process be reduced? From using pre-populated data to e-signatures

From mortgage advisors to brokers: where is human touch still necessary and desired?

Speed, digital journeys, personalisation: where will digital transformation have the biggest impact for building societies?

John Penberthy-Smith

Chief Commercial Officer

Saffron Building Society

Michael Conville

Chief Customer Officer

Newcastle Building Society

Claire Askham

Head of Mortgage Sales

Buckinghamshire Building Society

12.00 - 12.20

Advisory

The influence of GenAI on the retail banking consumer

Laurie Naspe

Director of Insights

Similarweb

12.20 - 12.45

Fireside chat

Mortgage product strategy: innovating to meet members needs

The innovation imperative: why must building societies do more to keep up with evolving member needs?

Spotlight on Skipton’s 100% and Yorkshire’s 99% mortgage: what can we learn from these innovative products?

Balancing higher Loan-to-Value ratio and negative equity risk: do the risks outweigh the benefits for first time buyers?

Innovative affordability assessments: how can building societies expand lending for near or below prime customers?

How can building societies leverage open banking data to more accurately assess borrowers’ ability to repay?

Shared equity and ownership: to what extent are these the key to increasing affordability for first time buyers?

John Penberthy-Smith

Chief Commercial Officer

Saffron Building Society

Jennifer Lloyd

Head of Mortgage Product and Proposition, Homes

Skipton Building Society

Stage 4 - Green transition

11.20 - 11.40

Keynote address

The role of the banking industry in the green transition

Heather Buchanan

Chief Executive Officer

Bankers for Net Zero

11.40 - 12.00

Interview

Prioritising sustainability in the payments industry

Identifying areas of materiality: which sustainability topics are critical to the payments value chain?

Creating a sustainability roadmap: how should payments companies address and prioritise competing objectives?

Bringing internal stakeholders along in the journey: what are the key lessons learned so far?

Ensuring payment accessibility for all: what more can be done to cater to all demographics?

Bénédicte Bedaine-Renault

Chief Sustainability Officer

Groupe BPCE

12.00 - 12.15

Keynote address

Navigating the Transition: building resilience and opportunity

Rashmi Ghai

Global Head of Sustainability – Citi Commercial Bank

Citi

12.15 - 13.00

Leaders' Forum

Delivering on green financing: from mortgages to microgeneration

Lending mortgages: what innovations are incentivising homeowners to improve their energy efficiency?

Retrofitting: how can banks support customers in financing energy-efficient solutions like insulation and heat pumps?

Microgeneration: what role can banks play in financing green energy installations for residential and small business customers?

Supporting SMEs: how can banks adapt their lending strategies to support corporate clients to decarbonise?

EV charging: how can banks accelerate the EV revolution and take advantage of the commercial opportunities?

Greening lending portfolios: how should banks develop a comprehensive strategy for green lending across their entire portfolio?

A trade-off? How should banks balance environmental and traditional risk assessment and profitability concerns?

What partnerships or collaborations might be necessary to achieve meaningful impact in sustainable finance?

Tim Lord

UK head of Climate Change

HSBC

Antony Gutsa

Climate Strategy & Propositions Director

Coutts

Varun Sarda

Senior Banking Leader

Agenda | MoneyLIVE Summit

Heather Buchanan

Chief Executive Officer

Bankers for Net Zero

Conrad Langridge

Global Marketing Lead Carbon Accounting

Sage

STAGE 5 - Startup City

11.20 - 11.40

Chair's opening remarks

Despite the desire by FIs to partner with FinTechs, the vast majority of partnerships continue to fail or underachieve on their objectives. More often than not, the source of this failure is a lack of ability to clearly define problems for tech partners to solve. Join us as we work through a variety scenarios to uncover what makes for a good partnership, how to not get caught up internal processes and clearly state your problems and limitations.

11.40 - 12.10

Interactive discussion part 1

Delegates will break into small groups, each assigned a specific scenario. They will identify the key challenge, formulate a clear problem statement, and explore partnership strategies. Groups will consider:

Defining specific challenges and achievable problem statements

Evaluating options: build, buy, or partner?

Preparing the organisation for effective partnerships

Establishing criteria for partner selection

Developing protocols and systems for partnership success

Each group will present their findings to facilitate broader discussion on effective partnership strategies.

12.10 - 12.25

Feedback to moderator

12.25 - 12.45

Interactive discussion part 2

Delegates will breakout into small groups and will identify a scenario based on their own experience at their organisations. They will identify the key challenge, formulate a clear problem statement and explore partnership strategies. Groups will consider:

Defining specific challenges and achievable problem statements

Evaluating options: build, buy, or partner?

Preparing the organisation for effective partnerships

Establishing criteria for partner selection

Developing protocols and systems for partnership success

Each group will present their findings to facilitate broader discussion on effective partnership strategies.

12.45 - 13.00

Feedback to moderator

Stage 1 - Digital currencies and blockchain

14.15 - 14.35

Keynote address

Innovation and the Bank of England’s Digital Pound Lab

Danny Russell

Head of Digital Currency Technology

Bank of England

14.35 - 15.00

Fireside chat

Smart contracts: unpacking the potential

From automated compliance to contextual payment on delivery: what use cases could smart contracts enable?

Current state of the market: which players are pioneering developments? And what can be learnt from advances to date?

From reliable oracles to effective trigger solutions: what are the challenges still to be overcome?

Anticipating regulatory concerns: what pro-active steps should banks take to ensure adequate governance?

Making the investment into smart contracts: how should banks prepare today?

Joy Adams

Chief Operating Officer, Digital Assets

Deutsche Bank

Bhavin Kapadia

Senior Technology Leader and Former Subject Matter Expert, Formerly Wells Fargo and U.S. Bank

15.00 - 15.25

Fireside chat

The future of commercial and central bank digital currencies

The global picture: which central banks are spearheading the development of CBDCs and what can be learnt?

Payments sovereignty: to what extent will retail CBDCs reduce reliance on card schemes and BigTech?

The threat to bank deposits: how can bank funding and financial stability best be safeguarded?

Who will fund the cost of digital currency provision? From merchant charges to cross-subsidisation

The Regulated Liability Network: to what extent will the shared ledger mitigate bank disintermediation risk?

Promoting further private and public sector collaboration on digital currencies: what more needs to be done?

The future of commercial bank digital money: what are the potential use cases across retail, wholesale, cross border and settlement?

Defining your digital currency strategy: what are the new service opportunities and when is the time to invest?

Sabih Behzad

Managing Director, Head of Digital Assets & Currencies Transformation

Deutsche Bank

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Stage 2 - Better serving SMEs

14.15 - 14.35

Keynote address

Unlocking SMEs’ confidence

Hannah Bernard OBE

Head of Business Banking

Barclays

14.35 - 14.55

Interview

Delivering digital banking excellence for SMEs: raising the bar

Understanding what clients want: how do digital banking needs differ across client segments?

Achieving digital self-service banking in the SME sector: what are the barriers to overcome?

Balancing digital with the human touch: how can banks ensure they offer the best of both worlds?

Balancing scalability with CX excellence: how can banks ensure digital transformation ensures excellent services?

Business banking excellence: what does the gold standard in digital SME banking look like today?

Nick Fahy

Chief Executive Officer

Cynergy Bank

14.55 - 15.10

Interview

Streamlining digital onboarding and KYC for businesses

The demand for digital: how are businesses’ expectations for seamless digital onboarding evolving?

What are the main challenges financial services face in current onboarding processes? From manual procedures to lengthy KYC checks

From e-signatures to ID verification: what tools can FI’s harness to digitize and streamline client onboarding?

Seamless but secure: how can FI’s ensure due diligence and robust KYB while reducing unwanted friction?

How can banks leverage digital identity solutions and advanced KYC automation to streamline onboarding for businesses?

Adam Tarpey

Head of Product for Business and Customer journeys

Metro Bank

15.10 - 15.40

Panel discussion

Innovating in SME lending: assessing the challenges and the opportunities

The economic outlook: is business confidence and growth likely to improve amongst SMEs? And how significant will this be for lending profitability?

From Basel III.1 to interest rates: are policy and economic factors likely to further tighten SME access to finance?

The rise of alternative and P2P lenders: to what extent are banks still best competitively placed to serve SME financing needs?

How can lenders accelerate decisioning and underwriting time to save costs without compromising on credit risk?

Cash flow lending: how can lenders leverage cash flow analysis to gain a deeper understanding of an SME financial health?

Open banking: to what extent could open banking data pave the way for innovative SME credit analytics and risk assessments?

Collateral-free lending for SMEs: how can more sophisticated credit risk assessments reduce the need for secured lending?

How can AI aid in the development of more automated and accurate credit risk assessment?

Conrad Ford

Chief Product and Strategy Officer

Allica Bank

Stuart Doignie

Managing Director, Digital SME

Shawbrook Bank

Nicholas Carlton

Co-Founder

Menna.ai

Susana Ponce Froment

Global Head of Financial & Credit Risk

Tide

Mike Coley

Commercial Product Director

Equifax

Stage 3 - Building societies: digital strategy

14.15 - 14.35

Interview

Building a best-in-class mobile app: strategies for success

• Assessing the current state of online banking: how are competitive pressures driving the need for mobile app innovation?
• Building a winning mobile app: what are the key requirements and challenges?
• Innovating within resource constraints: how can building societies make the most of limited budgets?

Piyush Chechani

Director of Engineering (Digital Channels)

Nationwide Building Society

14.35 - 15.10

Panel discussion

Defining your digital transformation strategy

Building a digital transformation roadmap: how should building societies define their key priorities and objectives?

Assessing the foundations: how should building societies audit their current systems to understand improvement needs?

Building a solid business case: what are the key areas to prioritize for digital investment, and how can they maximize ROI?

How can building societies overcome legacy infrastructure affordably and best manage the total cost of ownership during transformation?

Digital overhaul versus augmenting existing systems: discussing the strengths and weaknesses of both approaches

Balancing innovation and risk: how can building societies ensure minimal disruption to core operations during transformation?

What lessons can be learned from building societies that have already undertaken large-scale digital transformations?

What partnerships and collaborations should building societies consider to accelerate their transformation journey?

Gurminder Bhagrath

Chief Operating Officer

Plane Saver Credit Union

Tina Hughes

Director of Digital and Marketing Channels

Yorkshire Building Society

Rita Bullivant

Director IT & Change

Melton Building Society

Session One: Banking Strategy and Innovation

09.15 - 09.35

Keynote address

Transforming a bank to stay ahead of the competition

Ron van Kemenade

Group Chief Operating Officer

Lloyds Banking Group

09.35 - 09.55

Advisory

Beyond automation: agentic AI as the catalyst for enterprise evolution

Jan-Willem Weggemans

Vice President

Publicis Sapient

Tim Mason

Managing Director AI and Innovation

Deutsche Bank

James Reid

Central Communities, Chief Information Officer

Nationwide

09.55 - 10.15

Fireside chat

Revolut’s revolution: the rise of a digital bank

Dr Francesca Carlesi

Chief Executive Officer

Revolut UK

10.15 - 10.45

Leaders' Forum

Banking strategy: the priorities for 2025 and beyond

What policy and economic drivers will shape bank strategy in 2025 and beyond?

The outlook for challenger and FinTech growth: what are the implications for banks?

The CX challenge: how can banks keep up with BigTech and rapidly evolving customer expectations?

The open data future: how should banks position themselves to reap the benefits of the API economy?

Emerging technologies: how can banks unlock value from AI and DLT responsibly and sustainably?

Where should banks invest to modernise core banking systems to enhance efficiency and resilience?

Vulnerability and fairness: how can banks ensure they protect vulnerable customers and deliver fair value?

Saif Malik

Chief Executive Officer and Head of Client Coverage, UK

Standard Chartered Bank

Jason Clinton

Managing Director, Head of Financial Institutions Group, Europe & Global Head Non-Bank Financial Institutions

JP Morgan

Solange Dive-Chamberlain

Group Director, Strategic Development

NatWest

Stage 1 - Bank strategy: the key drivers for 2025

11.20 - 11.35

Keynote address

A regulatory approach to deliver for consumers and competitiveness

Emad Aladhal

Director - Retail Banking Supervision, Policy & Competition

Financial Conduct Authority

11.35 - 12.00

Leaders' Forum

Economic outlook: the opportunities and risks

Interest rate outlook: what are the likely short and longer-term trends?

Housing market trends: what factors are likely to impact lending strategies?

Consumer spending: what are the opportunities and risks for retail banks?

Tariffs, sanctions, geopolitical tension: what will global trends mean for the industry?

Frances Haque

Chief Economist

Santander

Sebastian Burnside

Chief Economist

NatWest

Klaus Baader

Global Chief Economist

Société Générale

12.00 - 12.20

Advisory

Maximise customer lifetime value through Artificial Intelligence

Barry de Leeuw

Regional Director SE - Europe

Backbase

12.20 - 12.40

Interview

PSR and PSD3: the strategic implications for banks

Understanding the legislation: what new obligations will PSR and PSD3 place on banks and PSPs?

Being proactive: what are the key compliance timelines and how should banks and PSPs be readying for them?

From SCA to fraud liability changes: what impact will the legislation have on counter fraud compliance?

Verification of Payee: how should banks ensure they are ready for real-time name and IBAN checks?

API standardization: how will banks need to prepare their APIs to facilitate third party integration?

The competitive impact: to what extent will the legislation level the playing field between banks and non-banks?

Jessica Ramos

Head of Financial and Regulatory Affairs

EBA CLEARING

12.40 - 13.10

Panel discussion

Challenger bank growth strategy: navigating an evolving market

Assessing the challenges for growth: from reduced funding to incumbent fightback

From seamless digital CX to PFM: how can challenger banks differentiate and find their competitive advantage?

Turning existing customers into primary customers: how can challengers foster trust and encourage the switch?

Premium services and subscription models: to what extent are these the key to profitability?

Finding your niche: is specialisation the key to challenger bank success?

Cracking the lending market: how can challengers enter and grow their lending portfolios sustainability?

Expanding cross-border: how can challenger banks seek to expand and grow in new markets?

Bianca Zwart

Chief Strategy Officer

bunq

Mark Mullen

Chief Executive Officer

Atom Bank

Alex Mollart

Chief Executive Officer

Tandem

Nelson Wootton

Co-Founder and Chief Executive Officer

SaaScada

Stage 2 - Payments infrastructure

11.20 - 11.35

Keynote address

Unlocking choice and delivering growth: The National Payments Vision

Michael Ellis

Chief Financial Officer

Pay.UK

11.35 - 11.55

Fireside chat

Leveraging ISO 20022 enhanced data

Streamlining payments: how can enriched data help improve STP and reduce processing time?

Counter fraud: how can enhanced fraud data (EFD) be leveraged in counter-fraud strategies?

Customer insights: how can enriched data be used to identify cross-selling opportunities?

Corporate services: what value-adding insights and new services could enriched data unlock?

Justin Brearley-Smith

Vice President Global ISO Product Lead

JP Morgan

Daragh Kirby

Head of Sales and Marketing

Intercope

11.55 - 12.15

Advisory

What’s all this fuss about X-border? Insights from the fastest growing revenue stream in payments

Mick Fennell

Business Line Director - Payments

Temenos

Fireside chat

The instant payment mandate: the strategic implications

The EU instant payments mandate: what are the new requirements? How have banks started to prepare?

From batch-based to instant settlement: what new demands will treasury teams face?

Assessing the impact of year-round, 24/7 instant payments: how can banks effectively mitigate the costs?

How should banks equalise instant and non-instant payment charges? And is there scope for differentiation?

Michael Knetsch

Director Business Product Expert, Tribe Lead Instant Payments

Deutsche Bank

Cristian Cengher

Head of Payments Operations and Clearing

Erste Group

Matthew Williamson

SVP & Industry Principal

Endava

12.40 - 13.15

Panel discussion

Modernising core payment architecture for the long term

Customer satisfaction: how should banks prioritise customer outcomes in their modernisation journeys?

How should legacy systems be modernised to adapt to the growing diversity of payment methods?

ISO 20022: what can be learned from migrations to date? And what challenges still need to be overcome?

What impact will PSD3 have on payment security requirements?

Cross border rails: how can banks drive improvements in cost, transparency, speed, and access?

Christian Luckow

Senior Vice President, Tribe Lead, Core Payments Platform & Payments CoE

Danske Bank

Moulika Atluri

Director

Citi

Ben Ashwell

Electronic Payments Director

Nationwide Building Society

Lee McNabb

Head of Payment Strategy & Partnerships

NatWest

Gabriela Giannattasio

Vice President of EMEA

Veritran

Stage 3 - Digital ID and authentication

11.20 - 11.40

Fireside chat

The future of Digital ID and counter fraud

The future of Digital ID and counter fraud

Laying the foundation: how are governments creating a legislative framework for Digital IDs?

Private sector innovation: how are businesses breaking new ground in the digital identity market?

Fraud risks: how are market trends around Digital IDs set to impact banks’ counter fraud strategies?

The rise of deepfakes: to what extent can digital identities counter the emerging threat?

Phillip Mind

Director, Digital Technology and Innovation

UK Finance

Russ Cohn

SVP Go-To-Market

IDVerse

11.40 - 12.00

Case study

Reimagining digital onboarding and KYC

Sadeque Ahmed

Executive Director, Head of KYC & Onboarding

JP Morgan Chase & Co

12.00 - 12.20

Advisory

Toward an Era of Verified Trust in Financial Services

Financial fraud is evolving fast—with deepfake attacks, adversarial AI-driven threats, and scams affecting customer trust while attracting increasing attention from regulators.

Join this fireside chat to find out why converged IAM is rapidly becoming a strategic enabler of verified trust within the context of the financial services fraud landscape.

Adam Preis

Director of Product and Solution Marketing

Ping Identity

Marcin Zimny

Principal Solutions Architect

Ping Identity

12.20 - 12.40

Interview

The Large-Scale Pilots: where are we now?

Exploring developments across the EU to date: from ID-enabled payment authentication to ID-enabled bank account opening

A spotlight on EWC: what now, where next?

From eGov services to travel: how could pilots outside the banking industry indirectly impact the sector?

Annet Steenbergen

Independent Advisor Digital Identity and Travel

EU Digital Identity Consortium

12.40 - 13.10

Panel discussion

Unlocking value with next-gen identity and authentication

Streamlining transactions: to what extent can digital ID authentication unlock revenue for banks?

Seamless verification and onboarding: what role can digital IDs play in enhancing CX?

Automating KYC and AML: how can digital IDs be leveraged to optimise counter fraud operations?

Voice, face, fingerprint and palm: what’s next for next-gen biometric authentication?

How should banks position themselves to reap the opportunities of the new EUDIW ecosystem?

Build, buy or partner: should banks issue their own digital ID solutions?

What are the key pain points in implementing bank-issued digital IDs? How can they be overcome?

Monica Carlesso

Business Platform Lead, Authentication & Identity

Lloyds Banking Group

Jonas Brännvall

Head of International Business Expansion

BankID

Rishi Chauhan

Director of Product for Identity & Fraud

Veriff

Stage 4 - AI in action

11.20 - 11.35

Keynote address

AI in action: lessons from the pioneers

Dara Sosulski

Managing Director, Head of Artificial Intelligence and Model Management, MSS

HSBC

11.35 - 12.05

Panel discussion

Unlocking the power of generative AI and automation in banking

Intelligent, continuous improvement: how can AI enhance and refine workflow automation compared to traditional RPA?

Which workflows can be fully automated? And which tasks are currently too complex or risky?

Where is human oversight necessary? And how can banks manage the risks and compliance challenges?

Implementing AI within existing workflows and systems: what challenges are yet to be overcome?

Kåre Kjelstrøm

Chief Technology Officer

Lunar

Jehangir Byramji

Senior Lead, Innovation, Emerging Technology

Lloyds Banking Group

Ludwig Mallia

Head of Agile and Value Stream Delivery

Bank of Valetta

12.05 - 12.25

Advisory

The era of AI agents & digital labour

Spyros Sakellariou

Group AI and Data Analytics Director

AUSTRIACARD HOLDINGS

12.25 - 12.50

Fireside chat

The AI-powered bank: the potential and prerequisites

Cutting through the hype: where is AI set to have the greatest impact in transforming everyday banking?

Ensuring business value: how can banks effectively evaluate where AI will add value for the enterprise?

Leveraging AI for customer support and self-service: what can be learnt from innovative solutions on the market today?

From segmentation to personalised messaging: how can FI’s leverage AI to enhance customer engagement and marketing strategies?

Optimising operations: where can banks leverage AI and RPA to increase agility and efficiency in core processes?

AI-driven decisioning: how can banks harness AI to drive efficiencies in credit decisioning and enhance lending operations?

Mitigating risk: how can banks develop effective risk management frameworks for different AI use-cases?

Fostering an AI-enabled culture: how can banks train and boost staff confidence to use AI effectively?

David Solans Vinagre

Head of Data Science

Santander

Giovanni Oppenheim

Head of Banking Solutions

Earnix

Workshop Stage - Vulnerability Workshop

11.20 - 11.30

Chair's opening remarks

Gina Bryden

Associate Partner

CACI

11.30 - 11.50

Keynote address

Achieving digital accessibility for all

Andrew Warren

Chief Digital Officer – Retail and Business Banking

Santander

11.50 - 12.10

Advisory

Navigating vulnerability in customer experiences: leveraging holistic segmentation, data and insights to deliver ‘good outcomes’

Rao Meera

UX Lead

CACI

Ed Sewell

Partner- Data Strategy

CACI

12.10 - 12.45

Group discussion

Delegates will break out into five groups to discuss the following areas of consideration for protecting vulnerable customers.

Understanding and identifying the characteristics of vulnerability within their target market and customer base

Ensuring staff have the right skills to recognise and respond to the needs of vulnerable customers

Responding to customer needs throughout product design, customer service and communications

Continuously monitoring and assessing whether they are meeting and responding to the needs of vulnerable customers

Ensuring automated systems include adequate safeguards for vulnerable customers

12.45 - 13.00

Group feedback

Startup City Stage - Startup City

11.20 - 11.30

Chair's opening remarks

Willem Knaap

Mentor

Startupbootcamp

11.30 - 11.50

Keynote address

Unlocking growth: scaling FinTech success in a competitive market

Mark Kovic

Chief Marketing Officer

Ziglu

11.50 - 12.30

Panel discussion

Founders’ journeys and question time 

Start-up vision: how did you decide on the market proposition? What inspired you to tackle the sector you did?

Funding journeys: what are the steps you took to secure funding from pre-seed to seed stage and beyond?

Deciding the right investors for your business: what are the key considerations?

Challenges of scaling: how did you overcome the obstacles on the way to achieving sustainable growth?

How should start-ups build a strong culture to attract and retain the right talent?

Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind?

Joel Perlman

Co-Founder & Managing Director

OakNorth Bank

Jonathan Lister Parsons

Co-founder & Chief Technology Officer

PensionBee

James Saunders

Co-Founder & Chief Technology Officer

RelyComply

12.30 - 13.00

Panel discussion

Commercial solutions for the green transition

Lightning introduction of the founders and their start-ups followed by panel discussion.

How is the green transition and regulatory change opening up new opportunities for start-ups?

Greening homes: how are start-ups helping to reducing household carbon emissions?

From EV charging to utilities: how are start-ups set to crack the green energy market?

Green financing: to what extent is there a gap in the market for sustainable finance?

Decarbonising-as-a-service: how are start-ups aiding other businesses in reducing their climate footprint?

How should founders ensure their proposition can effectively meet the needs of a changing market?

Felix Hughes

Director & Chief Growth Officer

Bueno Europe

Krista Tukiainen

CCO and Co-Founder

ClimateAligned

Yodaly Sierra Rubio

Founder

Eco2Wallet

Al Costa

Chief Executive Officer

TeknTrash Robotics

Stage 1 - Customer experience and engagement

14.15 - 14.30

Keynote address

It's easy to be tech-driven, harder to improve customers' lives

Jorissa Neutelings

Chief Digital Officer

ABN AMRO

14.30 - 14.50

Fireside chat

The AI customer experience revolution

Richard Caven

Worldwide Banking Specialist

Amazon Web Services

Riaan Dreyer

Chief Digital and Data Officer

Íslandsbanki

14.50 - 15.10

Advisory

Achieving real change: getting the highest impact from your CX transformation

Andrew Stevens

Head of Enterprise Digital Portfolio Strategy

Quadient

15.10 - 15.30

Fireside chat

Delivering next-gen personalisation

From personalised offers to PFM: what cutting edge personalised services should banks be offering?

From customer segmentation to personalised messaging: how can generative AI enhance marketing and engagement strategies?

Serving the segment of one: how can AI be harnessed successfully for predictive insights?

From data quality to accurate models: what are the greatest barriers? And how can they be overcome?

What new data sources are available to banks to more accurately predict customer needs?

Saira Khan

Head of Innovation and Partnerships

First Direct

Jamie Renehan

Head of Behavioural Insights

Bank of Ireland

Kurt Vogt Gwerder

Director, Strategy Consultant

Curinos

15.30 - 16.05

Leaders' Forum

Charting the priorities for customer strategy: 2025 and beyond

Competing with BigTechs and super apps: how can banks keep up with evolving customer expectations?

From PFM to financial advice: what actions can banks be taking to improve customer financial wellbeing?

The ongoing Consumer Duty challenge: how can banks continue to deliver fair value and outcomes?

From mortgage applications to online banking: how can banks offer frictionless journeys across all offerings?

What are the biggest challenges in delivering end-to-end digital, self-service banking?

To what extent will generative AI be a game changer in customer-bank interactions? And what are the hurdles still to overcome?

Value-adding engagement: how can real-time data and AI personalise offers at speed and scale?

Tamara van den Ban

Managing Director, Customer Propositions

Lloyds Banking Group

Tanvi Gokhale

Managing Director, Customer Propositions & Journeys

NatWest

Anders Berg Jensen

First Vice President ｜ Digital Development, Retail Customers

Danske Bank

Simon Murray

Practice Director, Digital Strategy

Adobe

Stage 2 - Open banking payments

14.15 - 14.35

Presentation

SPAA scheme, the end of the beginning for open finance?

Giorgio Andreoli

Director General

European Payments Council

14.35 - 14.55

Interview

The global evolution of A2A payments

What can European A2A schemes learn from the successes of A2A schemes globally?

Consumer uptake: what are the main barriers to mass adoption and how can they be addressed?

Piotr Jan Pietrzak

New Markets Lead

European Payments Initiative

14.55 - 15.15

Fireside chat

Towards sustainable revenue models

Shifting from compliance-driven to commercially driven models: where are we on the journey?

Building a default remuneration model: to what extent does the SPAA offer a viable commercial model to all parties?

Reducing cost: how can open banking payments compete effectively with interchange pricing?

How can purchase protections and dispute mechanisms be replicated in a non-card landscape?

Alternative funding models: how might banks recoup the costs of payment in the future?

Diederik Bruggink

Head of Payments, Digital Finance and Innovation

WSBI-ESBG

15.15 - 15.55

Panel discussion

Open payment propositions: adding value to merchants

Increased conversion: to what extent can open banking payments lower failure rates for businesses?

From reduced settlement time to real-time cash flow visibility: how can open banking improve merchants’ liquidity management?

Reduced fraud risk: how can open banking payments improve the security of online payments?

Lowering cost of processing fees and chargebacks: how much can open banking payments save merchants compared to cards?

VRPs vs. direct debits: what are the advantaged, from ease of payment set-up to flexible subscription management?

From marketplace payouts to automated refunds: how can API-driven solutions automate and streamline payments?

Interoperability, payment certainty and purchase protection: what are the prerequisites for mass adoption?

Ana Climente

Head of Open Banking, Spain

BBVA

Rebecca Shao

Innovation & FinTech Leader

Jaguar Land Rover

Yash Morar

Senior Propositions Manager - DTC Consumer Finance & Payment Strategy Development

Samsung

Stage 3 - Counter fraud

14.15 - 14.30

Keynote address

The garden of Eden: from Romance to the Apple and everything in-between!

Howard Rawstron

Head of Group Oversight Economic Crime Prevention

Lloyds Banking Group

14.30 - 14.55

Panel discussion

The evolution of AML, KYC and AI

AML: how are regulatory expectations surrounding AML and KYC evolving?

Why perpetual KYC? How can continuous updates complement and build upon traditional KYC methods?

How can banks ensure a continuously updating and holistic understanding of the customer?

How can AI effectively enhance KYC processes: from client screening to transaction monitoring?

AI deepfakes and the challenge to eKYC: to what extent are deepfakes undermining traditional KYC methods?

Speech, image, and video: what types of deepfakes are we seeing and how easy are they for fraudsters to develop?

Detecting and countering deepfakes reliably: what tools can best safeguard against the emerging threat?

Simone Poon

Head Group AML Policy and Standards

Standard Chartered Bank

Parya Lotfi

Co-Founder and CEO

DuckDuckGoose AI

14.55 - 15.25

Panel discussion

APP fraud: strategies for prevention

The PSR reimbursement model: what has the impact of the APP fraud regulation been so far?

Social media and online marketplaces: how can banks provide additional protection on less secure channels?

Staying on top of social engineering: how can insights be used to inform customer education and nudges?

Behavioural analytics: what role can innovative behavioural indicators play in effectively tackling APP fraud?

Rory Tanner

Head of UK Government Affairs and Public Policy

Revolut

Vaidotas Kaukenas

Head of Card & Payment Fraud Analytics

Danske Bank

Oliver Hanmer

Head of Supervision and Compliance Monitoring

Payments Systems Regulator

Ilya Brovin

Chief Growth Officer

Sumsub

15.25 - 15.55

Panel discussion

Data, analytics and AI: the next frontier in counter fraud

Assessing the state of play: what are the limitations of existing rules-based counter fraud tools?

From real-time detection to reduced false positive rates: what are the key advantages of AI counter fraud tools?

How can banks assess the right AI-based tools for their needs amidst competing solutions?

How can banks address the data maturity requirements necessary for AI accuracy?

Managing the reputational risks: how can banks ensure AI/ML tools act ethically, avoiding biases?

How can banks ensure AI/ML decision making is transparent to build trust and facilitate human oversight?

From open banking to 20022’s enhanced fraud data: what new data sources can, and should, banks be leveraging?

Power in collaboration: how are banks breaking new ground in counter fraud information sharing?

The EBA’s FPAD initiative: will it prove a game changer in fraud prevention for European banks?

Vinita Ramtri

Senior Business Leader

Challenger Bank

Erwin Kulk

Head of Service Development and Management

EBA CLEARING

Colin Whitmore

Strategy, Innovation and Design, Financial Crime Compliance

NatWest Group

Colin Parsons

Vice President, Head of Fraud Product Strategy

Nasdaq Verafin

Stage 4 - Legacy modernisation, cloud and data maturity

14.15 - 14.50

Panel discussion

Cloud migration strategies: unlocking the value

Cost, performance, scalability and CX: how should banks ensure clarity and realism in their migration objectives?

Rehost, refactor, re-platform: how should banks decide the right pathway to migration?

Best practice in application migration: what are the practicalities and what are the pitfalls to avoid?

Exit strategies: how can banks ensure they can switch cloud providers with minimal disruption?

Pekka Suomalainen

Chief Information Officer

Säästöpankkiryhmä

Luca Piezzo

Head of Cloud Center of Excellence

Banca Ifis

Jeremy Olsen

Managing Director

Refractis

14.50 - 15.10

Advisory

Are your IT systems as reliable as your business demands?

André Simões

Principal Architect, Dependable Systems Evangelist

Crossjoin Solutions

15.10 - 15.45

Leaders' Forum

Modernising banking

How can banks achieve the level of enterprise agility that’s needed in today’s competitive landscape?

Scalability: how can banks build architecture that can seamlessly scale while maintaining performance?

Re-platforming, re-factoring or core bypass: how should banks decide the right modernisation pathway?

Navigating greenfield and brownfield modernisation: considerations for the long-term

How can banks best leverage cloud to create agile microservice-based architectures?

The role of AI: transforming legacy code

preparation using artificial intelligence

De-risking transformation: what strategies can banks employ to ensure minimal disruption to core operations?

Jinhong Brejnholt

Chief Cloud Architect, Global Head of Cloud & Container Platform Engineering

Saxo Bank

Sailesh Panchal

Chief Technology Officer

TSB Bank

Agata Wolska

Project Manager Portfolio Delivery

Bank of Valletta

Margus Simson

Chief Digital Officer (CDO), Member of the Board

Komerční banka

Workshop Stage - AI Workshop

14.15 - 14.25

Chair's opening remarks

14.25 - 14.45

Keynote address

Ethical AI in banking

Kåre Kjelstrøm

Chief Technology Officer

Lunar

14.45 - 15.00

Advisory

Getting AI to do work

Francois Zimmermann

Field CTO - Data Cloud EMEA

Salesforce

15.00 - 15.30

Group discussion

Delegates will break out into five groups to discuss the following areas of consideration for AI.

Establishing a governance structure with clear roles and responsibilities adequate to local regulatory requirements

Avoiding bias in AI decision-making and ensuring fair and equitable treatment for all individuals

Safeguarding customer data and privacy and ensuring systems are robust against adversarial cyber threats and attacks

Ensuring model transparency and explainability to aid informed decision-making and regulatory compliance.

Establishing mechanisms for continuous monitoring, evaluation, and performance measurement

15.30 - 15.45

Group feedback

Startup City Stage - Startup City

14.15 - 14.20

Chair's opening remarks

14.20 - 14.40

Fireside chat

Scale-up strategy 

Tamara van den Ban

Managing Director, Customer Propositions

Lloyds Banking Group

Will Billingsley

Cofounder & Chief Commercial Officer

14.40 - 15.10

Panel discussion

Cross-border expansion: strategies for start-up success

Lightning introductions followed by panel discussion.

How can start-ups effectively research and understand new markets before deciding on expansion?

What factors should start-ups consider when identifying potential barriers to entry in new markets?

How should start-ups adapt their marketing approach to new markets while maintaining brand consistency?

What are the most effective ways to establish “boots on the ground” when expanding internationally?

What business models have proven successful for start-ups in growing their customer base in new markets?

How can start-ups ensure they can navigate different regulatory environments effectively?

Idorenyin Obong

Chief Executive Officer

Grey

Alex Blay

Head of Strategic Partnerships

Mifundo

Marc Baxter

Director of Product and Propositions

Nomo Bank

Daniel Lanyon

Co-Founder & General Partner

Tramlines

15.10 - 15.45

Panel discussion

Delivering innovative solutions for SMEs

Lightning introductions followed by panel discussion.

Enhancing the SME banking experience: what are the current pain points for start-ups to address?

From onboarding to online dashboards: how can the SME banking experience be improved?

What value-added services are in demand? From automated invoicing and accounting to ERP integration

SME lending: how are start-ups best placed to fill the SME financing gap?

Point of Sale: how can start-ups make payment acceptance easier for SMEs?

Counter fraud: how can security and financial crime protection for SMEs be enhanced?

Katya Dorofejeva

Co-Founder and CEO

Kapaga

Liyi Victor

CEO/CPO

Gladefinance

Stage 1 - Lending

16.40 - 17.00

Presentation

Digitising the housing journey: strategies for success

Philip Bonhard

Head of Experience Design Lead, Homes & Mortgages

Lloyds Banking Group

17.00 - 17.20

Advisory

Beyond the Headlines: Proactive Lending in a Volatile Market

Andrea Cox

Affordability Director

Equifax

Kamini Patel

Director of Client Analytics

Equifax

17.20 - 17.40

Interview

AI in credit risk modelling: unpacking the potential

The future of decisioning: what role can machine learning and AI play in enhancing credit risk assessment?

Enhancing model data: what alternative data sources can, and should, banks be integrating into risk models to improve decision accuracy?

The compliance challenge: how can banks anticipate regulatory concerns and ensure adequate governance of automated decisioning tools?

Neil Evans

Head of Credit Risk

OakNorth Bank

17.40 - 18.00

Fireside chat

Embedded lending: developing a competitive distribution strategy

The embedded lending boom: how significant are the potential revenue opportunities for banks?

How can embedded lending help banks to identify new customer segments and bolster acquisition at low cost?

Identifying the best distribution channels: how can banks identify which partners offer the best ROI?

How can banks position themselves as optimal partners for the embedded ecosystem?

Ensuring ease of integration for partners: what are the key components banks need to get right?

The borrower experience: how can banks deliver excellent embedded lending experiences for the end user?

Decisioning at speed: how can banks ensure embedded lending is seamless without compromising on risk assessments?

BNPL and PoS financing: which markets see the largest growth potential? How can banks compete?

Ankur Sisodia

Head of Product, Lending and Savings

N26

Nick Bennett

Chief Technology and Operations Officer

Castle Trust Bank

Stage 2 - Payment wallets and cards

16.30 - 16.50

Keynote address

Building a market-leading wallet

Natalie Invernizzi

Head of UK Payments Partnerships, Google Pay & Wallets

Google

16.50 - 17.20

Fireside chat

Adding value in the cards landscape: from wallets to rewards

How can banks successfully identify customer segments and enhance credit card value propositions for customer needs?

Monetising data: how can banks effectively leverage card transaction data to identify cross-selling opportunities?

To what extent can rewards and card-linked loyalty schemes help banks compete with alternative payments?

The digital wallet boom: how can banks drive card revenue through wallet ecosystem investment?

Helen Bierton

Everyday Banking Director

Lloyds Banking Group

Steven Robson

Global Head of Liquidity WPB

HSBC

Leeroy Pye

Chief Executive Officer

TagSystems (member of AUSTRIACARD HOLDINGS)

17.20 - 18.00

Leaders' Forum

Adapting strategies to the rise of alternative payment methods

The decline of card supremacy: how is APM growth set to impact card revenue streams in the long term? How should business models adapt?

The BNPL boom: to what extent is point of sale financing set to take on credit card growth?

What features and benefits should banks focus on when modernizing card offerings to compete with emerging APMs?

Investing in open banking solutions: how can banks unlock value for merchants and drive new acquiring revenue?

From NatWest’s Payit to Revolut Pay: what lessons can be learned from innovative APM offerings?

The wallets opportunity: how must banks position themselves to unlock revenue from the digital wallet ecosystem?

The BigTech threat: how can banks stay ahead in the competition against innovative BigTech wallets?

From EPI’s wero to SPAA: how should banks evaluate the benefits of joining new open banking and wallet schemes?

The future payments value chain: how should banks secure their place? And what partnerships could strengthen their position?

Giorgi Kintsurashvili

Head of Digital Banking Ecosystems

Bank of Georgia

Stephen Wright

Head of Regulation and Standards, Bank of APIs

NatWest Group

Dan Moore

Head of Strategy, Analysis and Engagement

Payment Systems Regulator

Sarah Simmons

Vice President

Goldman Sachs

Stage 3 - Resilience and security

16.35 - 17.00

Fireside chat

From IT security to third party risk: building security strategies for 2025 and beyond

From ransomware to social engineering: where are the emerging cybers threats? And how should bank cybersecurity strategies adapt?

Ecosystems risks: what emerging risks do third-party IT partnerships pose and what can banks do to effectively mitigate them?

Cloud security threats: how can banks proactively address the cybersecurity risks as systems are migrated to cloud?

Dante Jackson

Senior Vice President, Head of Security Resilience

Truist

Sabine Schmidt

Director Channel Security, Cyber & Third Party Fraud

ABN AMRO

17.00 - 17.40

Panel discussion

DORA: lessons learned and the next steps for ongoing compliance

The road to compliance: what were the main challenges faced during the initial implementation of DORA?

ICT risk management frameworks: how effective have new frameworks been? And what ongoing challenges still need to be addressed?

Third party-risk and enhanced oversight: how has DORA impacted relationships with third-party service providers?

Incident reporting mechanisms: how effective have the new reporting processes been? What areas still need improvement?

The testing challenge: how can banks ensure ongoing compliance through regular testing and updates?

Partnering for resilience: how should banks identify vendors that can support banks in meeting testing and reporting requirements?

Future-proofing DORA compliance: what approaches are banks adopting to maintain continuous compliance for the long term?

Emma Mansfield

Operational Resilience Director

Lloyds Banking Group

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

Sam Ghosh

Director, Group Third Party Risk Lead and Head Resilience Risk Oversight - Group Procurement

HSBC

Startup City Stage - Startup City

16.30 - 16.45

Keynote address

The venture capitalist view: what to look for in a winning start-up

Ben Carter

Investment Director, Head of Life Sciences

Deepbridge Capital

16.45 - 17.15

Panel discussion

Investors and start-up partnerships: the pain points and pitfalls

Lightning introduction of the founders and investors followed by panel discussion.

What are the key criteria VCs and bank investors look for when identifying a suitable start-up to invest in?

What are founders looking for from their investment partners? What key factors should they consider?

What strategies can be employed to better align diverse stakeholder interests?

What are the leading causes of organisational misalignment, and what strategies or structures can investors and start-ups employ to ensure better synergy?

How can investors and start-ups structure their partnership agreements to establish clear roles, responsibilities, and risk/revenue sharing models?

What strategies have proven successful in fostering effective partnerships, and what can founders learn from past mistakes and failures?

Roger Berger

Head of FinTech

BNP Paribas

George Groshkov

Chief Strategy Officer

Mint Ventures XYZ

Ala Presenti

Co-Founder and Head of Finance

Moniflo

17.15 - 17.30

Presentation

nsave's journey to unlock financial inclusion

Amer Baroudi

Co-founder & CEO

nsave

17.30 - 17.50

Case study

Empowering future generation

Philip Haglund

CEO and Founder

Gimi

Gimi – a gamified educational mobile banking app for families, delivered to banks using open banking.

17.50 - 18.00

Startup City Awards

Jason Williams

Chief Executive Officer

FinTech Power 50

The innovation ready bank

09.15 - 09.20

Chair's opening remarks

09.20 - 09.35

Keynote address

Customer-centric innovation

Jayne Opperman

Chief Executive Officer Consumer Relationships

Lloyds Banking Group

09.35 - 09.55

Advisory

How to deliver next generation banking

Yaprak de Beaufort

Vice President, UK&I Head of VAS

VISA

Vishal Dalal

Chief Executive Officer

Pismo

09.55 - 10.15

Fireside chat

Navigating emerging risks in turbulent times

From climate change to geopolitics: how can banks adapt their risk management practices to systemic change?

The double-edged sword of AI: how can banks best mitigate the emerging risks and exploit the opportunities?

From DDoS to third-party attacks: how can banks keep pace with the increasing complexity of cyber-attacks?

Ensuring digital operational resilience post-DORA: what are the key lessons learnt for best practices?

Balancing innovation and risk: how can banks mitigate the hidden risks of digital transformation

Philippe Coue

Group COO, Cybersecurity and Risk IT

Groupe Crédit Agricole

Joshua Ting

Chief Risk and Compliance Officer

Uber Payments

10.15 - 10.45

Panel discussion

The future of API-driven business models

Banking-as-a-Service: how significant are the potential untapped revenue opportunities?

Ensuring BaaS propositions are value-adding: what are the key factors banks must consider?

Ensuring ease of integration: from quality APIs to a flexible cloud-based composable architecture

The fintech and neo-bank challenge: how can incumbents effectively compete in the BaaS market?

The regulatory challenge: how can BaaS providers adequately anticipate compliance requirements?

Creating a premium API: what services can banks provide to meet specific business demands?

Subscription, freemium or pay-by-call: how can banks design an effective API pricing strategy?

The next market niches: what does the future for open banking commercial models hold?

Hetal Popat

Director, Open Banking

HSBC

Mark Willis

Managing Director, Head of API & Digital Asset platforms, CIB

Standard Chartered Bank

William Boocock

Head of Partnerships

Starling Bank

Carmela Gómez Castelao

Head of Open Banking

BBVA

Ram Devanarayanan

Head of Business Consulting, Finacle Europe

Infosys Finacle

Stage 1 - Open banking strategies

11.20 - 11.35

Keynote address

NatWest Boxed: becoming a leading BaaS provider

Andrew Ellis

Chief Executive Officer

NatWest Boxed

11.35 - 11.55

Keynote address

Enhancing hyper-personalisation through data-driven innovations

Taner Ackok

CTO of Corporate Bank Germany

Deutsche Bank

11.55 - 12.20

Advisory

Revealing the cognitive banking advantage: An AI-Powered customer experience that drives results

Udi Ziv

CEO

Personetics

12.40 - 13.00

Advisory

Using Behavioural Data to Prevent Fraud & Protect Vulnerable Users

Diane Leung

Head of Protect & CRO

Pinnacle Pet Group

Lily Christensen

Enablement Lead

FullStory

12.55 - 13.15

Fireside chat

Customer loyalty and engagement

Fostering loyalty and trust in a digital age: what are the key considerations?

From different cultures to different generations: engaging all customers effectively

How can new data sources be leveraged for value-adding, personalised engagement?

What role will AI and real-time analytics play?

Louis Blackburn

Formerly Lloyds Banking Group

Iain Murphy

Managing Director

Contentstack

Stage 2 - Optimising payments for merchants

11.20 - 11.30

Chair's opening remarks

Ivan Khoruzhyy

Consultant

Euromonitor International

11.30 - 11.50

Keynote address

The evolution of eCommerce: assessing the opportunities and challenges for banks

Pierre-Antoine Vacheron

Chief Executive Officer, Payments

Groupe BPCE

11.50 - 12.35

Panel discussion

Enhancing payments propositions: adding value for merchants

Diversity of payment methods: how can banks help merchants effectively provide multiple payment options?

Fraud and chargeback services: how can banks offer tailored fraud services to meet merchants’ needs?

Payments portals: how can banks offer streamlined online dashboards to enhance the merchant experience?

Actionable business insights: how can banks enhance their reporting and analysis offerings?

Providing customer insights: how can banks help merchants to identify spending habits and hone sale strategies?

Accounting and ERP integration: how can banks improve the merchant experience through seamless integrations?

Competing with Point-of-Sale providers: to what extent can incumbent banks take on the gateway market?

Loyalty schemes: how can bank acquirers offer rewards and bolster customer loyalty as part of their propositions?

Bhavna Saraf

Senior Industry leader, Payments & Banking

Santander

Veronique Constans

Cash Management & Payments Solutions Strategy, Insights & Innovation

Lloyds Banking Group

Benjamin Sykes

Director – Global Payment Solutions

HSBC

Santosh Kumar

Senior Vice President & Head of UK Banking and Europe FinTech

HCLTech

Stage 3 - Building societies: mortgage innovation

11.20 - 12.00

Panel discussion

Optimising customers’ mortgage journeys

Enhancing member satisfaction: why is improving customer journeys critical?

Accelerating speed to mortgage in-principle and mortgage offers: what strategies can building societies employ?

How can friction in the application process be reduced? From using pre-populated data to e-signatures

From mortgage advisors to brokers: where is human touch still necessary and desired?

Speed, digital journeys, personalisation: where will digital transformation have the biggest impact for building societies?

John Penberthy-Smith

Chief Commercial Officer

Saffron Building Society

Michael Conville

Chief Customer Officer

Newcastle Building Society

Claire Askham

Head of Mortgage Sales

Buckinghamshire Building Society

12.00 - 12.20

Advisory

The influence of GenAI on the retail banking consumer

Laurie Naspe

Director of Insights

Similarweb

12.20 - 12.45

Fireside chat

Mortgage product strategy: innovating to meet members needs

The innovation imperative: why must building societies do more to keep up with evolving member needs?

Spotlight on Skipton’s 100% and Yorkshire’s 99% mortgage: what can we learn from these innovative products?

Balancing higher Loan-to-Value ratio and negative equity risk: do the risks outweigh the benefits for first time buyers?

Innovative affordability assessments: how can building societies expand lending for near or below prime customers?

How can building societies leverage open banking data to more accurately assess borrowers’ ability to repay?

Shared equity and ownership: to what extent are these the key to increasing affordability for first time buyers?

John Penberthy-Smith

Chief Commercial Officer

Saffron Building Society

Jennifer Lloyd

Head of Mortgage Product and Proposition, Homes

Skipton Building Society

Stage 4 - Green transition

11.20 - 11.40

Keynote address

The role of the banking industry in the green transition

Heather Buchanan

Chief Executive Officer

Bankers for Net Zero

11.40 - 12.00

Interview

Prioritising sustainability in the payments industry

Identifying areas of materiality: which sustainability topics are critical to the payments value chain?

Creating a sustainability roadmap: how should payments companies address and prioritise competing objectives?

Bringing internal stakeholders along in the journey: what are the key lessons learned so far?

Ensuring payment accessibility for all: what more can be done to cater to all demographics?

Bénédicte Bedaine-Renault

Chief Sustainability Officer

Groupe BPCE

12.00 - 12.15

Keynote address

Navigating the Transition: building resilience and opportunity

Rashmi Ghai

Global Head of Sustainability – Citi Commercial Bank

Citi

12.15 - 13.00

Leaders' Forum

Delivering on green financing: from mortgages to microgeneration

Lending mortgages: what innovations are incentivising homeowners to improve their energy efficiency?

Retrofitting: how can banks support customers in financing energy-efficient solutions like insulation and heat pumps?

Microgeneration: what role can banks play in financing green energy installations for residential and small business customers?

Supporting SMEs: how can banks adapt their lending strategies to support corporate clients to decarbonise?

EV charging: how can banks accelerate the EV revolution and take advantage of the commercial opportunities?

Greening lending portfolios: how should banks develop a comprehensive strategy for green lending across their entire portfolio?

A trade-off? How should banks balance environmental and traditional risk assessment and profitability concerns?

What partnerships or collaborations might be necessary to achieve meaningful impact in sustainable finance?

Tim Lord

UK head of Climate Change

HSBC

Antony Gutsa

Climate Strategy & Propositions Director

Coutts

Varun Sarda

Senior Banking Leader

Agenda | MoneyLIVE Summit

Heather Buchanan

Chief Executive Officer

Bankers for Net Zero

Conrad Langridge

Global Marketing Lead Carbon Accounting

Sage

STAGE 5 - Startup City

11.20 - 11.40

Chair's opening remarks

11.40 - 12.10

Interactive discussion part 1

Defining specific challenges and achievable problem statements

Evaluating options: build, buy, or partner?

Preparing the organisation for effective partnerships

Establishing criteria for partner selection

Developing protocols and systems for partnership success

Each group will present their findings to facilitate broader discussion on effective partnership strategies.

12.10 - 12.25

Feedback to moderator

12.25 - 12.45

Interactive discussion part 2

Defining specific challenges and achievable problem statements

Evaluating options: build, buy, or partner?

Preparing the organisation for effective partnerships

Establishing criteria for partner selection

Developing protocols and systems for partnership success

Each group will present their findings to facilitate broader discussion on effective partnership strategies.

12.45 - 13.00

Feedback to moderator

Stage 1 - Digital currencies and blockchain

14.15 - 14.35

Keynote address

Innovation and the Bank of England’s Digital Pound Lab

Danny Russell

Head of Digital Currency Technology

Bank of England

14.35 - 15.00

Fireside chat

Smart contracts: unpacking the potential

From automated compliance to contextual payment on delivery: what use cases could smart contracts enable?

Current state of the market: which players are pioneering developments? And what can be learnt from advances to date?

From reliable oracles to effective trigger solutions: what are the challenges still to be overcome?

Anticipating regulatory concerns: what pro-active steps should banks take to ensure adequate governance?

Making the investment into smart contracts: how should banks prepare today?

Joy Adams

Chief Operating Officer, Digital Assets

Deutsche Bank

Bhavin Kapadia

Senior Technology Leader and Former Subject Matter Expert, Formerly Wells Fargo and U.S. Bank

15.00 - 15.25

Fireside chat

The future of commercial and central bank digital currencies

The global picture: which central banks are spearheading the development of CBDCs and what can be learnt?

Payments sovereignty: to what extent will retail CBDCs reduce reliance on card schemes and BigTech?

The threat to bank deposits: how can bank funding and financial stability best be safeguarded?

Who will fund the cost of digital currency provision? From merchant charges to cross-subsidisation

The Regulated Liability Network: to what extent will the shared ledger mitigate bank disintermediation risk?

Promoting further private and public sector collaboration on digital currencies: what more needs to be done?

The future of commercial bank digital money: what are the potential use cases across retail, wholesale, cross border and settlement?

Defining your digital currency strategy: what are the new service opportunities and when is the time to invest?

Sabih Behzad

Managing Director, Head of Digital Assets & Currencies Transformation

Deutsche Bank

Ville Sointu

Chief Strategist, Digital Currencies

Nordea

Stage 2 - Better serving SMEs

14.15 - 14.35

Keynote address

Unlocking SMEs’ confidence

Hannah Bernard OBE

Head of Business Banking

Barclays

14.35 - 14.55

Interview

Delivering digital banking excellence for SMEs: raising the bar

Understanding what clients want: how do digital banking needs differ across client segments?

Achieving digital self-service banking in the SME sector: what are the barriers to overcome?

Balancing digital with the human touch: how can banks ensure they offer the best of both worlds?

Balancing scalability with CX excellence: how can banks ensure digital transformation ensures excellent services?

Business banking excellence: what does the gold standard in digital SME banking look like today?

Nick Fahy

Chief Executive Officer

Cynergy Bank

14.55 - 15.10

Interview

Streamlining digital onboarding and KYC for businesses

The demand for digital: how are businesses’ expectations for seamless digital onboarding evolving?

What are the main challenges financial services face in current onboarding processes? From manual procedures to lengthy KYC checks

From e-signatures to ID verification: what tools can FI’s harness to digitize and streamline client onboarding?

Seamless but secure: how can FI’s ensure due diligence and robust KYB while reducing unwanted friction?

How can banks leverage digital identity solutions and advanced KYC automation to streamline onboarding for businesses?

Adam Tarpey

Head of Product for Business and Customer journeys

Metro Bank

15.10 - 15.40

Panel discussion

Innovating in SME lending: assessing the challenges and the opportunities

The economic outlook: is business confidence and growth likely to improve amongst SMEs? And how significant will this be for lending profitability?

From Basel III.1 to interest rates: are policy and economic factors likely to further tighten SME access to finance?

The rise of alternative and P2P lenders: to what extent are banks still best competitively placed to serve SME financing needs?

How can lenders accelerate decisioning and underwriting time to save costs without compromising on credit risk?

Cash flow lending: how can lenders leverage cash flow analysis to gain a deeper understanding of an SME financial health?

Open banking: to what extent could open banking data pave the way for innovative SME credit analytics and risk assessments?

Collateral-free lending for SMEs: how can more sophisticated credit risk assessments reduce the need for secured lending?

How can AI aid in the development of more automated and accurate credit risk assessment?

Conrad Ford

Chief Product and Strategy Officer

Allica Bank

Stuart Doignie

Managing Director, Digital SME

Shawbrook Bank

Nicholas Carlton

Co-Founder

Menna.ai

Susana Ponce Froment

Global Head of Financial & Credit Risk

Tide

Mike Coley

Commercial Product Director

Equifax

Stage 3 - Building societies: digital strategy

14.15 - 14.35

Interview

Building a best-in-class mobile app: strategies for success

Piyush Chechani

Director of Engineering (Digital Channels)

Nationwide Building Society

14.35 - 15.10

Panel discussion

Defining your digital transformation strategy

Building a digital transformation roadmap: how should building societies define their key priorities and objectives?

Assessing the foundations: how should building societies audit their current systems to understand improvement needs?

Building a solid business case: what are the key areas to prioritize for digital investment, and how can they maximize ROI?

How can building societies overcome legacy infrastructure affordably and best manage the total cost of ownership during transformation?

Digital overhaul versus augmenting existing systems: discussing the strengths and weaknesses of both approaches

Balancing innovation and risk: how can building societies ensure minimal disruption to core operations during transformation?

What lessons can be learned from building societies that have already undertaken large-scale digital transformations?

What partnerships and collaborations should building societies consider to accelerate their transformation journey?

Gurminder Bhagrath

Chief Operating Officer

Plane Saver Credit Union

Tina Hughes

Director of Digital and Marketing Channels

Yorkshire Building Society

Rita Bullivant

Director IT & Change

Melton Building Society

Agenda at a glance

Take a look at the hot topics at this year's banking and payments event.

Day 1
____

STAGE 1

Banking strategy and innovation

CEO keynotes

Revolut case study

Leaders Forum panel discussion

Startup City

Founders' journeys panel and Q&A

STAGE 1

Banking strategy: the key drivers

Chief Economist forum

Navigating regulatory and policy change

Challenger bank growth strategy

STAGE 2

Payments infrastructure

Cross border payments

ISO 20022

Instant payments

Modernising architectures

STAGE 3

Digital ID and authentication

EU Digital Identity Wallets

The Large-Scale Pilots

Digital ID and fraud

Next-gen authentication

STAGE 4

AI and operations

AI case study

Streamlining workflows

Coding and software development

Optimising operations

STAGE 5

Workshop:
vulnerability and accessibility

Achieving digital excellence for all

Group discussion

Startup City

Green transition opportunities

Innovative SME solutions

STAGE 1

CX and engagement

Protecting vulnerable customers

The AI revolution in CX

Personalisation

Customer strategic priorities

STAGE 2

Open banking payments

The latest on the SPAA

A2A global successes

Commercial propositions

STAGE 3

Anti-financial crime

Vulnerable customers

AML and perpetual KYC

Preventing APP fraud

Data, analytics and AI

STAGE 4

Legacy modernisation

Creating the agile bank

Cloud migration

Data maturity roadmap

Core modernisation

STAGE 5

Workshop:
AI governance

Establishing effective AI governance

Group discussion

Startup City

Scale-up strategies

Cross-border expansion

STAGE 1

Consumer lending

Orchestrating the housing ecosystem

AI in credit risk modelling

Optimising collections

Embedded lending strategies

STAGE 2

Payment wallets and cards

Google Pay case study

The latest on the EPI's Wero

Adding value to cards

Alternative payment methods

STAGE 3

Resilience and security

Navigating global regulation

IT security to third party risks

AI and cybersecurity

DORA compliance

Startup City

The venture capitalist view: what to look for in a winning start-up

Overcoming partnership pain points

The Official After Party

Day 2
____

STAGE 1

Open banking commercial models

NatWest Boxed: BaaS case study

The Future Entity: latest from OBL

Premium APIs and BaaS commercial models

Startup City

Identity and fraud solutions

Empowering future generations

STAGE 1

Open finance

FIDA: open data in Europe

The UK smart data roadmap

Future of open banking, insurance and pensions

Open data beyond finance

STAGE 2

Optimising payments for merchants

Evolution of eCommerce

One-click payments

SoftPoS and self-checkout

Acquirer propositions

STAGE 3

Building Societies: mortgage innovation

High LTV product innovation

Seamless mortgage journeys

First-time buyer market

Product strategies

STAGE 4

Green Transition

Modelling and mitigating climate risk

ESG compliance: data and reporting

Green financing innovation

StartUp City:
Bank Workshop

Bank participants will identify a pain point from their own organisation to generate a problem statement for start-ups to address

STAGE 1

Digital currencies and blockchain

The digital euro

The regulated liability network

Smart contracts

Commercial and central bank digital currencies

STAGE 2

Better serving SMEs

The SME banking experience

Streamlining corporate onboarding

Treasury management

SME lending

STAGE 3