As part of MoneyLIVE Spring 2019 | 11 – 13 March, Madrid

Come and join us in the celebration of MoneyLIVE: Retail Banking Europe’s 20th Birthday in 2019!

For the Retail Banking hub of MoneyLIVE Spring 2019, we’ve pulled out all the stops this year with some of the most senior representatives in the European banking industry coming to share their experience and expertise on the most pressing subjects, including open APIs, engaging the connected customer, FinTech and more.


Featured speakers

Francois Miqueu

Chief Executive Officer, Consumer Finance


Derek White

Global Head of Client Solutions


Jukka Salonen

Chief Operating Officer


Eduardo Fernandez González

Managing Director, CTO Digital Architecture

Banco Santander Global Tech

Ignacio Juliá Vilar

Global Head of Retail

ING Bank

Sophie Guibaud

Managing Director, Europe

Fidor Bank

Birte Quitt

Head of Group Retail Strategy

Erste Group

Antti-Jussi Suominen

Chief Executive Officer


Day 1 | Introducing the FinTechs Evening

Introductions from the Chair & FinTech lightning pitches
Introductions | Asociación Española de Fintech Insurtech

Rodrigo Garcia de la Cruz, Chief Executive Officer, Asociación Española de Fintech Insurtech


FinTech Lightning Pitches

Chair: Andréa Toucinho, France Representative, Asociación Española de Fintech Insurtech


Pitch | MyBucks

Fernando Oltra, Head of Investor Relations, MyBucks


Pitch | Loqr

Ricardo Costa, Chief Executive Officer, Loqr 


Pitch | ComparaJá.pt

José Figueiredo, Chief Executive Officer, ComparaJá.pt


Pitch | Cardlay

Jørgen Juul, Founder, CEO and Board Member, Cardlay


Pitch | Eversend

Stone Atwine, Chief Operating Officer, Eversend


Pitch | Investsuite

Chris Eichhorn, Business Development, Investsuite


Pitch | Thewaay

Ivan Kochetov, Chief Executive Officer, Thewaay

Peer-to-peer discussion

Drinks and canapés served throughout


Chair’s closing remarks and end of Day 1 FinTech evening

Andréa Toucinho, France Representative, Asociación Española de Fintech Insurtech

Day 2

MoneyLIVE welcome address
Chair’s opening remarks

Menno van Leeuwen, Head of Business and Customer Development, Moneyou


Session One: Practical lessons in open banking
Keynote address | Making magic in banking

Derek White, Global Head of Client Solutions, BBVA


ING’s Retail Story

In an increasingly mobile-only world, it is our differentiating customer experience that builds the relationship with our customers and drives business results.

Ignacio Juliá Vilar, Global Head of Retail, ING Bank


Open banking, the democratization of data and you
·        Using the new way people engage with their data to inform your strategies
·        The opportunities of putting the customer back in control of their data
·        Embracing open banking to offer personalised products that drive loyalty

Joakim Ivarson, Business Development Director, Tink


Leaders’ forum | Open APIs: paving the way for a brighter future

• One year on: what changes have we seen in the market to date?
• Shifting cultural mindsets: what are the benefits to opening up internal APIs to third-parties?
• What prevents banks from effectively implementing open banking strategies?
• Exploring different models for monetising APIs: from subscription to revenue-sharing and more
• Working with TPPs: how exactly can they help banks better serve customers?
• How can banks protect their relationships with customers from new AISPs and PISPs?
• The end goal: what do banks hope to get out of open APIs?

Birte Quitt, Head of Group Retail Strategy, Erste Group

Antti-Jussi Suominen, Chief Executive Officer, Holvi

Ricardo Segoviano Aceituno, Head of BBVA Open Platform Spain, BBVA

Session Two: Courting the Connected Customer
Keynote address | Reinventing banking

François Miqueu, Chief Executive Officer, Consumer Finance, CaixaBank


Deep Learning in banking and payments: The future of AI in finance

AI is table stakes, but not all AI is created equal. Find out how Deep Learning is set to transform the fight against financial crime and how speed will play an even larger role in detecting fraud and money laundering

Richard Harris, SVP, International Operations, Feedzai


Case study | mBank
Putting digital tools in customers’ hands

With more than 5 million customers across Eastern Europe under its belt, mBank has set the benchmark for what a successful digital bank should look like. From approving loans over mobiles in a mere 30 seconds, to service agents engaging customers through Skype, mBank is a clear example of how a new digital-centric bank can thrive. In this case study, Piotr Puchalski will share just how mBank engages and connects with its customers and what traditional banks can learn from a challenger.

Piotr Puchalski, Director, mBank


Championing IT and culture change to deepen customer loyalty
  • How can a bank be more than a bank? Meeting the new standards set by tech-savvy industries
  • To what extent is empowering customers with control over their finances the key to maintaining loyalty?
  • How can a bank encourage parallel IT and culture change while keeping the benefits for the customer in mind?
  • A sprint to success: creating customer-oriented focus teams

Nieke Martens, Head of Digital Hub, Rabobank

Session Three: Workshops - PSD2, Innovation Culture, API Strategy, IoT, Customer Communications, Security and Risk
In this session, delegates will have the option of choosing between the following four workshops:
·         Trust, ease and Open Banking
·         Building a challenger bank as an incumbent
·         The endless battle for customer loyalty
·         Creating a culture of agility
Following introductions, each workshop will run for an hour and will be facilitated by dedicated subject matter experts. Places on each workshop are limited, so make sure you reserve your slot!
Workshop One: Trust, ease and Open Banking

Facilitated by Frontier Economics

Antti Lemberg, Head of Financial Services, Frontier Economics

Open Banking could pave the way for innovative, new services to emerge and digital disruptors to enter the market. But will customers really trust digital entrants with their financial data? And will customers really have faith in their current banks to offer user-friendly services to help them find the best deal?

Facilitated by Antti Lemberg, the workshop will reveal the results of new research exploring customers’ implicit associations around trust and ease and debate how banks, Tech Giants, FinTechs and regulators can improve chances of success.


Workshop Two: Building a challenger bank as an incumbent

Facilitated by solarisBank

Jörg Diewald, Chief Commercial Officer, solarisBank

Rinse Jacobs, Head of Strategic Partnerships, solarisBank

Banking is at a crossroads: should your organisation continue down the road of digitisation of legacy systems, or should your bank take the leap to launch a new, standalone challenger brand?
If you are looking to get your bank fit for the future, solarisBank has the answers for you. In this workshop you will get a comprehensive overview of what options you have for building your own challenger bank or new digital challenger products. Learn from best practice, create your own challenger idea and get feedback from industry peers. This workshop is conducted by true experts in the field, Joerg Diewald and Rinse Jacobs.


Workshop Three: The battle for customer loyalty

Facilitated by Collinson

Anne Dorst, Loyalty Strategy Director, Collinson

With so much pressure to retain and keep customers happy, banks and financial services can no longer get away with simply providing mediocre experiences to their customers.
This interactive workshop will explore ways to better enhance your customers’ experiences, focusing on some guiding principles and bringing them to life through personas.
Collinson representatives will also be sharing hypothesis, case studies, analysis and drawing conclusions through a lively debate with delegates.


Workshop Four: Creating a culture of agility

Facilitated by Gallup

Katayoun Rezaiamiri, Managing Partner, Gallup

Jeremie Brecheisen, Partner, Gallup

Does your bank have the right mindset, tools and processes to respond quickly to business needs and adapt to the evolving demands of digital banking? According to a 2018 Gallup study, only one in six employees in France, Germany, Spain and the UK considers their companies “agile”, having the ability to respond quickly to customer and business demands. How do you think your bank registers on Gallup’s agility index?

In this high-impact, interactive workshop, Gallup with guide you along the path to a culture of agility by sharing insights and best practices that will improve your bank’s agility exponentially.

Session Four: Digital reincarnation
Transformation vs. disruption: are we evolving quickly enough?
· New scenarios for financial services: preparing for a continuously changing environment
· How to balance and align both transformation and disruption efforts within the organisation
· Extracting maximum value from the external ecosystem

Eduardo Garbayo, New Digital Businesses – Strategy Director, BBVA


A digital overhaul: leaving behind the shackles of the legacy system

Jerry Norton, Vice President, Global Financial Services, CGI


Session Five: The futurologist's view
Champagne keynote address | Star Wars: my guide to transformation

Jukka Salonen, Chief Portfolio Officer, Nordea

Offsite drinks reception
Chair’s closing remarks

Menno van Leeuwen, Head of Business and Customer Development, Moneyou

End of Day 2 and start of drinks reception hosted in Zen Market at the Estadio Santiago Bernabéu


Continue scrolling to check out the great content we have lined up for you on Day 3!


Join us for a legendary drinks reception at Zen Market, in the world famous Bernabéu Stadium! Relax and have a drink with your peers in the home of Real Madrid.

Zen Market, the largest luxury Asian restaurant in Europe, is a project of the team of Roger Chen, an experienced and successful Asian restaurateur in Madrid, and it is sure to impress everyone.

Your ticket to MoneyLIVE Spring gives you access to this unforgettable event – don’t miss out on your chance to be a part of this epic drinks reception at the Bernabéu Stadium!

Day 3

Chair’s opening remarks

Menno van Leeuwen, Head of Business and Customer Development, Moneyou

Session Six: New business models for banks
Keynote address | Marketplace banking with Fidor: a vision of co-innovation and collaboration

Sophie Guibaud, Managing Director, Europe, Fidor Bank

If This Then That x Monzo Bank: exploring new horizons

Something special happened in 2018: Monzo partnered with the world’s largest automation platform, IFTTT (If This Then That). What does this mean for its customers? Rather than having access to lots of third-party providers, IFTTT enables Monzo customers to connect their account to whatever apps they have already downloaded. In this way, customers are empowered to write their own rulebook and determine exactly how they manage their money. In this presentation, Kieran McHugh will reveal how this partnership has forever changed the way Monzo customers bank and how it continues to evolve.

Kieran McHugh, Backend Engineer, Monzo Bank


Panel discussion | New realities in financial services: the power of the platform

• Marketplace, platform, lifestyle banking: what do they mean and what are the differences?
• Why should banks start taking the steps towards marketplace and lifestyle banking?
• Bringing in tech-savvy FinTechs: how can they be integrated into a marketplace model?
• Ensuring customer loyalty: what can banks do to ensure customers aren’t lost to third-parties?
• Becoming more than a bank: what other product and services could be offered to customers?
• Best practice: what successes have we seen from challengers?
• The WeChat model: will this take off in Europe and how can banks capitalise on this?

Sophie Guibaud, Managing Director, Europe, Fidor Bank

Søren Rode Andreasen, Chief Digital Officer, Danske Bank

Lieve De Mol, Head of Hello bank! Belgium, Hello bank!

Alexander Emeshev, VP, New Products, Tinkoff Bank

Session Seven: Think Tanks

In this session, delegates will have the option of choosing between two interactive Think Tanks:

• What can the financial services industry do to make open banking a success?
• How can banks avoid being supplanted by Big Tech as the primary suppliers of FS and payments?

Each Think Tank will feature a 15-minute presentation before delegates break into mini-groups to share ideas and create solutions to the most pressing issues facing the banking and payments industries today. Each mini-group Think Tank will be moderated by a series of hand-picked subject matter experts, who will then share findings with the room in a panel discussion.

Open APIs Think Tank: What can the financial services industry do to make open banking a success?

In this Think Tank, delegates will have a chance to pool their ideas and knowledge together to explore how open APIs can help the banking industry continue to succeed. Share your knowledge and learn from others’ best practice in this high-intensity, interactive session.

Open APIs: the key to the industry’s longevity?

Eduardo Fernandez González, Managing Director, Head of Digital Architecture, Santander Global Tech


Think Tank discussions

Break into mini-groups to discuss the following subjects with the help of moderators:
• Defining success: what does this mean in open banking?
• What is hindering banks from making open banking a success?
• Surviving in an increasingly competitive landscape: how open APIs can help financial services institutions retain the top spot
• Looking into the crystal ball: how will open APIs reshape the banking industry in the next 5 years?


Think Tank moderator feedback


Eduardo Fernandez González, Managing Director, CTO Digital Architecture, Santander Global Tech

Alvaro Arias, Business Development Manager, Tink




Big Tech Think Tank: How can banks avoid being supplanted by Big Tech as the primary suppliers of FS and payments?

At MoneyLIVE, we know that you’re keeping an eye on Big Tech and their supposed ambitions in financial services. In this Think Tank, delegates will have a chance to create solutions to counter the threat of players like Amazon and Tencent. Get your creative juices flowing in this high-intensity, interactive session.


A wake-up call: the threat of Big Tech

Javier González Dominguez, Digital Innovation and Big Data Director, EVO Banco


Think Tank discussions

Break into mini-groups to discuss the following subjects with the help of moderators:
• Understanding the current landscape: what developments is Big Tech making payments and banking?
• What do banks and payments providers have to prioritise to ready themselves for competition with Big Tech?
• Putting your money where your mouth is: what new technologies are worthy of investment?
• Looking into the crystal ball: what might the banking and payments landscape look like in the next 5 years?


Think Tank moderator feedback


Javier González Dominguez, Digital Innovation and Big Data Director, EVO Banco

David Conde Sayans, Chief Executive Officer and Co-Founder, COINSCRAP

Session Eight: Banks and FinTechs – a match made in heaven?
Case study | Axis Bank
Creating a community to help both banks and start-ups grow: opportunities and challenges

A symbiotic relationship is emerging between banks and FinTechs and the industry needs to wake up to the fact that one cannot succeed in the future without the other. In this case study, Markandey Upadhyay will share the Indian experience with delegates and discuss Axis Bank’s approach on nurturing the bank/FinTech relationship. How has the bank identified challenges and differences in culture? What are the issues around APIs and data sharing? How has Axis learnt from failed experiments?

Markandey Upadhyay, Senior Vice President, Head – Thought Factory, Axis Innovation Lab, Axis Bank


Panel discussion | New dynamics: making a success of partnerships with Third Party Providers

• Use cases to date: how are FinTech partnerships transforming financial services?
• AISPs and PISPs: what organisations are likely to dominate in the future?
• To what extent is trust the biggest hurdle to customer adoption of TPP services and products?
• Maintaining primacy of the customer relationship: how can FinTech help banks to stay relevant?
• PSD2 and beyond: how will the regulation of third parties evolve?
• Forecasting the future: what can be expected from banks and FinTechs over the next ten years?

Pablo Ruiz, Director of Digital Innovation, Liberbank

Grzegorz Pawlicki, Director of Innovation & Customer Experience, PKO Bank Polski

Markandey Upadhyay, Senior Vice President, Head – Thought Factory, Axis Innovation Lab, Axis Bank

Closing remarks
Chair’s closing remarks and end of MoneyLIVE Spring 2019


MoneyLIVE: Retail Banking Europe is a part of MoneyLIVE Spring 2019.

Championing innovation in banking and payments