MoneyLIVE: Digital Banking Goes Digital
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Event Details
Start date: June 30, 2020
End date: July 02, 2020
Start time: 09:00
End time: 15:00
The online event to ignite digital banking innovation
30 June – 2 July 2020, BST | On-demand available now
MoneyLIVE: Digital Banking has gone digital this year. From wherever you are in the world, you can view live stream talks from our 50+ speakers – the disruptors, challengers and tech-visionaries re-writing the rules of banking innovation.
Connections between incumbents and fintechs has never been so important, so we’ve made it easy for you to chat, connect and collaborate with the 1,500+ attendees through our online platform and matchmaking app without having to step outside.
A new kind of online networking
With live Q&As in every session and our market-leading networking and matchmaking app, Digital Banking Goes Digital gives you the perfect platform to engage with the industry online and make the virtual connections you need to drive business growth and stay ahead of the curve.
Unrivalled content Innovative speakers
From open finance and mobile payments to data-driven CX and digital currencies, stay up to date with the hottest topics shaping the banking landscape in 2020 without leaving the comfort of your own home. With speakers from ING, Barclays, OP Financial and Ziglu leading the conversation – you’re in safe hands.
Unlock your FinTech strategy
Catch-up with the most exciting voices shaking up banking in 2020 in a whole day dedicated to FinTech. Watch fast-paced pitches on your laptop and join the online FinTech Symposium to discuss growth strategies and partnership opportunities with VCs, founders and growth experts.
Speakers
Katharina Herrmann
Global Head of Platforms and Beyond Banking, ING
Richard Davies
Chief Executive Officer, Banking, Revolut
Mark Hipperson
Chief Executive Officer, Ziglu
Sean Hunter
Chief Information Officer, OakNorth Bank
Sameli Mäenpää
Senior Vice President and Chief Data Officer, OP Financial Group
Salla Franzén
Group Chief Data Scientist, SEB
Caroline Ambrose
Open Banking Implementation Director, Barclays
Payam Djavdan
Global Head Operating Model and Way of Working, ING
Agenda
Day One
Tuesday, 30 June 2020
30 Jun
Day Two
Wednesday, 1 July 2020
1 Jul
Day Three
Thursday, 2 July 2020
2 Jul
09.00 - 11.00: Open, agile, innovative: the future of digital banking
Keynote address and live video Q&A
Evolving your innovation strategy in the face of disruption
Katharina Herrmann
Global Head of Platforms and Beyond Banking
ING
Global and branch-free: transforming the onboarding experience
To stay relevant in the digital age, banks must take the lead from tech companies and deploy strategic innovation with speed and care. Business models and strategy may change, but the basics remain the same – ensuring secure onboarding and identity verification for customers. Peter will share how with the latest biometric technology, banks are able to do this digitally and remotely to ensure a quick and efficient experience for customers across the globe.
Peter Martis
Chief Sales Officer
Innovatrics
Keynote address and live video Q&A
Redefining banking in an open era: developing API strategies in the current climate
Carlos López-Moctezuma
Global Head New Business Models, Open Banking and Innovation
BBVA
Leaders’ forum and live video Q&A
The open API playground: navigating the path to success
- Building on open foundations: what API innovations have been the most transformative?
- Catalyst or inhibitor: how has Covid-19 affected the growth of the API economy
- Partnerships with TPPs: building blocks for the new ecosystem?
- Navigating the open data landscape: how can banks capitalise on non-financial data?
- Unbundling services and plugging into a TPP API ecosystem: is there a benefit to specialising?
- Planning your next steps: defining strategies that will enable success in the open ecosystem
- The dawn of new business models: how can banks navigate their changing role in the market?
- To what extent is owning the customer relationship the sole key to success in open banking?
Kevin Mountford
Co-Founder
Raisin UK
Matt Collinge
Chief Technology Officer
Curve
Caroline Ambrose
Open Banking Implementation Director
Barclays
Marion King
Director of Payments
NatWest
Karthik T.S.
Head of Centre of Excellence
Torry Harris Integration Solutions
Break and speed networking - This session of speed networking will focus on finding technology solutions and partnerships for success in the API economy.
11.30 - 13.30: Apollo - Creating the ultimate digital experience | Odyssey - Building resilient and agile transformation strategies
Apollo - Creating the ultimate digital experience
Interview
Keeping authentication simple and secure
- How can banks find the right balance between customer experience and regulatory compliance?
- Finger, face, retina, voice: assessing the current state of play in the journey away from passwords
- Behavioural biometrics: a more secure, frictionless solution for continued authentication?
- Do digital identities have the potential to transform KYC for digital banking?
- Are banks the most appropriate providers of a digital identity?
- Thinking about the impact of Covid-19: have digital identity timescales moved forwards?
Tarika Dhingra
Digital Security and Privacy Lead
NatWest
Using customer experience to generate bottom line impact
Join Medallia and Ireland’s leading bank, Allied Irish Bank, for a conversation on driving bottom line impact through customer experience. Paul Allen from AIB will share how they have taken a journey based approach to improving CX, focusing on one of their critical business segments, and the impact of this on their bottom line.
Paul Allen
Head of Customer Experience
Allied Irish Bank
Christopher Colley
Principal (EMEA), Customer Experience
Medallia
Interview
Hyper-relevance: creating a unique personalised experience
- Why are hyper-relevance strategies crucial to success in a world of digital platforms and ecosystems?
- Moving beyond traditional segmentation: let’s review the importance of the ‘audience of one’
- Know your data to know your customer: how can banks make the most of their data?
- How can banks implement real-time custom-er feedback to achieve better predictions?
- Looking beyond transactional data: what new data sources could provide new insights for banks?
- Avoiding the ‘uncanny valley’: what are the risks of predictive suggestions and how can banks leave room for individual choice?
Bertrand Kaufmann
Global Head of Market Solutions
Société Générale
Panel discussion followed by live video Q&A
Invisible, proactive, seamless: optimising the customer experience
- Responding to changing customer behaviours: what is the ‘new normal’ for customer convenience?
- Ensuring flexibility in CX: how can banks offer holistic services in times of crisis
- Right offer, right time, right channel: how can data-driven insights benefit both the bank and customer?
- In what ways can predictive analytics enhance customer experiences?
- Creating a digital-only experience for SMEs: what more needs to be done?
- How can banks champion digital inclusion to reach the newly-online customer in an open banking world?
- Do human touchpoints still have a place in a digital journey?
- Preparing to serve the customer of 2030: where to invest in 2020?
Richard Davies
Chief Executive Officer, Banking
Revolut
Elina Mattila
Executive Director
Mobey Forum
Rona Ruthen
VP of Customer Operations
Monzo
Mike Blanchard
Senior Director and Head of Global Customer Intelligence Practise
SAS
Odyssey - Building resilient and agile transformation strategies
The role of new ventures in agility: exploring the advantages of standalone technology driven projects
NatWest is using new ventures developed separately from the new brand to allow developers to circumvent the challenges of legacy systems and foster a start-up like working culture. Andrew will give an insight into the latest developments in ventures at NatWest, share how teams have transitioned to new ways of working in the recent period of isolation and reveal how they are helping the bank to respond to disruptive change.
Andrew Ellis
Head of Digital Assets
NatWest
Beyond automation: conquering the last mile of transformation
Over the past 10 years banks have faced a global financial crisis, regulatory reforms, disruption from new competitors, and now a global pandemic. To weather the current storm and build greater resilience for the future, banks must create seamless connections between data, insight and people to speed up decision making and create frictionless interactions and transactions with customers. Tiffany will share how to conquer the last mile of digital transformation, how to overcome bottlenecks in business processes and give some examples of organisations that are leading the way
Tiffany Carpenter
Head of Customer Intelligence
SAS UK & Ireland
Case study | ING
Thinking like Spotify: cultivating a culture open to change and innovation
By shifting from a traditional structure of functional departments, to an ‘agile’ operational model, ING has transformed its operational culture as one of the pioneers in this field. Inspired by companies such as Spotify, Google and Netflix, ING has implemented One Agile Way of Working in more than 40 countries around the world, working in nine-person ‘squads’. Responding to changing customer behaviour on digital distribution channels and rising customer expectations were key motivational factors behind these changes. Payam will share how these changes have boosted employee engagement, increased productivity and improved time to market.
Payam Djavdan
Global Head Operating Model and Way of Working
ING
Panel discussion followed by live video Q&A
Building a bank fit for the next decade
- Agility, efficiency, scalability: defining drivers for new digital transformation strategies
- Where is the impact of legacy systems on customer service the most serious? Has the coronavirus crisis made this more apparent?
- Working with legacy systems: how can banks marry old systems with new technologies to drive digital advancements?
- Assessing the challenges and lessons learnt from the recent period of remote working
- How can banks be more agile in the digital spaces they inhabit?
- TPP partnerships: what does success look like in the new banking environment?
- Flexibility, reusability, availability, scalability: how can microservice-based architecture fuel transformation?
Aleksi Grym
Head of Digitalisation
Bank of Finland
Radek Litynski
Head of Retail Risk Management
mBank
Martin Fleming
Mortgage Transformation Director
Lloyds Banking Group
Travers Clarke-Walker
Chief Commercial Officer
Thought Machine
14.00 - 15.30: Apollo - Preparing for a new digital channel revolution | Odyssey - Cloud, AI, automation and beyond: revolutionising compliance
Apollo - Preparing for a new digital channel revolution
Taking chatbots to the next level: serving digital natives
- Automating financial advice: maintaining operational excellence during times of crisis
- Following in digital footsteps: what are the advantages of meeting customers on messaging platforms?
- Balance checking, investing, payments: what services suit different channels?
- Tailoring the tone: how can chatbots bring personal touches to conversations?
- How can banks use chatbot data to enrich other services?
- How to ensure best possible experience for the ‘newly online customer’?
Victor Trokoudes
Co-Founder and Chief Executive Officer
Plum
Cross-channel collaboration: optimising functions for the new normal
With evolving market dynamics, changing consumer behaviors and the normalization of the on-demand economy, it is essential for banks to simplify processes and break through silos. Covid-19 has accelerated this speed of change and it is now all the more important to provide the customer with a single face, with fast service and personalised offers. Darpan will share how to quickly delight customers on different distribution channels and open up lines of communication, all while keeping within budget.
Darpan Saini
Senior Vice President
Q2 Cloud Lending
Panel discussion followed by live video Q&A
Refining your channel strategy
- What does an omnichannel presence look like in today’s digitalised world?
- Coping with a rapid uptake in digital channel usage: lessons learnt from the coronavirus crisis
- How can banks increase automation while at the same time improving the customer journey?
- Chatbots: the key to seamless, cross-channel customer service?
- How can banks deploy voice technology to complement other CX channels?
- A land of opportunity: how can banks use new channels to develop a distinctive brand identity while keeping costs down?
- Avoiding fragmentation: how can banks best integrate information from multiple channels?
- How can banks handle the hand-off between the human and the digital?
JP McKenna
Innovation Lead - Personal Banking
NatWest Group
Nikunj Lukka
Head of Operations
Octopus Wealth
Darpan Saini
Senior Vice President
Q2 Cloud Lending
Odyssey - Cloud, AI, automation and beyond: revolutionising compliance
A perspective on the Future of RegTech
RegTech has enormous potential to improve compliance and regulatory reporting, from optimising cost efficiency to ensuring compliance in the context of remote working, Mukund will discuss how RegTech solutions can be implemented for maximum benefit and how reporting may evolve in years to come.
Mukund Umalkar
Head of RegTech Partnerships
ING
Transforming compliance with intelligent automation
Intelligent automation technologies are creating new opportunities for banks to streamline and enhance processes across the organization. This is especially true in the Compliance function which is under significant pressure to reduce expenses while ensuring 100% compliance with all regulatory and audit requirements. Automation Anywhere will discuss the latest trends in intelligent automation and share specific examples how RPA and other technologies are automating KYC and AML compliance in the Financial Services industry.
Ken Mertzel
Senior Director, Industry Strategy & Marketing
Automation Anywhere
Panel discussion followed by live video Q&A
RegTech: a core part of any digital transformation strategy
- From remote working to growing cybersecurity risks: how has the coronavirus crisis affected RegTech priorities
- Is the recent period of disruption likely to usher in new regulation, and how might RegTech be of use here?
- Coping with the costs of compliance: where to invest to maximise ROI
- AI, data, blockchain, cloud: how to unlock the value of each tech solution?
- Building internal solutions or exploring TPP RegTech opportunities: navigating the possibilities
- Looking inside the business: what are the benefits of using chatbots to streamline regulatory compliance?
David Bruce
Head of Compliance
Santander
Mukund Umalkar
Head of RegTech Partnerships
ING
Astrid Freier
Partner DACH
Vidici Ventures
Kevin Trilli
Chief Product Officer
Onfido
Networking break
16.00 - 17.25: Platformification - venturing into new territory
Building agile banks for an unpredictable world
Banks were built to project stability, safety and to minimise risk. Recent events have put pressure on banks to respond quickly to market changes and launch new products in weeks or even days. Elliot will explore different approaches to transformation and product launch from neobanks, lenders and incumbent banks, while stressing how agility should be central to any banking approach or platform model going forwards
James Barker
Commercial Director EMEA
Mambu
Panel discussion followed by live Q&A
Marketplace, lifestyle, B-a-a-S: building a platform for success
- A way forward for incumbents and challenger banks: is every platform model suitable for all?
- How has the coronavirus crisis reshaped immediate priorities in this journey for different players?
- Reaping the rewards of a personalised platform: learning from Big Tech and super-apps
- A platform forged from partnerships: what ecosystem of connections will we see moving forward?
- Bundling the financial with the non-financial: what opportunities does diversification present?
- How far have challenger banks blazed the trail for the lifestyle banking platform model?
- Becoming a category king: is there opportunity for success in delivering a niche offering through several channels?
- The B-a-a-S movement: a viable route to success?
- What other commercial opportunities lie ahead?
Anna Mitchell
Head of Marketplace
Starling Bank
Russell Pert
Director, Head of Financial Services
Meta
Pauline van Brakel
Chief Product Officer
Yolt
Germain Bahri
Digital Banking Consultant
Fidor
James Barker
Commercial Director EMEA
Mambu
10.00 - 12.30: Digging deeper into data analytics: the path to profit
Keynote address followed by live Q&A
The value of data analytics in a new banking order
Sameli Mäenpää
Senior Vice President and Chief Data Officer
OP Financial Group
Exploring the opportunities for open banking and the new data ecosystem
Third party integrations via APIs have brought about new services and channels for banks’ customers. By leveraging PSD2 APIs and premium APIs, banks are able to offer specialised services to different customer segments and put customers more in control of their data. Fourkind will highlight some examples for corporate customers, while exploring what this free movement of data will look like and what role banks might play as platforms emerge.
Pauli Kärpänoja
Engineering Partner
Fourkind
Navigating the open data economy in an increasingly digital world
- How open is open? Defining the boundaries of an open data economy
- Data privacy concerns: has the Covid-19 crisis affected the consumer fears of ‘big brother’?
- Getting the customer data-trade right: more important than ever?
- In what ways can non-financial data transform personalisation?
- Leveraging non-financial data from TPPs: how can banks get the most out of partnerships?
- The legacy systems challenge: to what extent can data analytics be optimised without a major legacy overhaul?
- Envisioning the future of the open data economy: where will things move from here?
Salla Franzén
Group Chief Data Scientist
SEB
Case study
Data Visualisation: Setting up for success
Andrew Henderson
Senior Business Intelligence Manager
Nationwide Building Society
Panel discussion followed by live Q&A
Descriptive, predictive, prescriptive: supercharging your analytics approach
- Understanding the different types of analytics: what insights can be drawn from each form and where are they best applied?
- Ensuring excellent insights during remote working: key takeaways from the coronavirus crisis
- What questions should banks be asking to get the most informative answers?
- How can banks implement strategic data management to avoid ‘dark data’?
- Variety, velocity, volume: how can banks get the most value from big data by managing the three ‘v’s
- Cross-selling and up-selling: in what ways can banks leverage predictive analytics to create a hyper-personalised sales strategy?
Ash Booth
Head of Artificial Intelligence
HSBC Global Markets
Angel Serrano
Head of Data Science & Analytics
Santander
Susan Emerson
Area Vice President, Analytics
Salesforce
Lunch break with speed networking - This session of speed networking will focus on analytics and data management solutions
13.00 - 15.00: Apollo - Accelerating towards open finance | Odyssey - What's next for mobile payments?
Apollo - Accelerating towards open finance
A spotlight on lending | OakNorth Bank
Adapting to thrive, rather than just survive
- Leveraging open banking data and more: how can lenders effectively assess credit risk during and after the Covid-19 crisis
- How has OakNorth’s dual-pronged business model as both bank and platform helped to turn this threat into an opportunity?
- SME lending on both sides of the pond: how are lenders managing?
- PPP, BBL, CBILS, … with so many government funding schemes to support businesses: how do we make sense of them all?
- The current crisis: the ideal opportunity for FinTech to prove itself or the end of those that were unable to shift the unit economics?
Sean Hunter
Chief Information Officer
OakNorth Bank
Open, automated, flexible: lending in the changing ecosystem
Faced with a massive influx of loan applications, lenders must respond with fast, efficient processes while adjusting to a newly remote workforce. By leveraging automation, lenders are able to deploy faster, more accurate processing, whilst processing data for insights and to help with fraud detection and compliance. Laura will share how these digitalisation strategies can prepare lenders for success in the open, connected and integrated ecosystem of the future.
Laura Paul
Global Financial Services Industry Lead
Appian
Back in the studio
Your moderator Lindley Gooden will be joined in the studio by Kevin Mountford, Co-Founder, Raisin. Lindley and Kevin will discuss the key takeways from the presentations we’ve heard so far, and Kevin will share his thoughts on the future of savings and investments in the open finance ecosystem.
Lindley Gooden
Journalist & Filmmaker,
Kevin Mountford
Co-Founder
Raisin UK
Panel discussion followed by live Q&A
Towards open finance: exploring the evolution of banking marketplaces
- With open finance comes open possibilities: how integral will insurance, accounting, investments and more become to banks’ core offer?
- Are partnerships more important than ever as banks seek to forge a portfolio of exemplary end-to-end services?
- How can banks deliver compelling value in this new financial ecosystem
- Will banks’ role as a custodians of sensitive, personal data support their evolution into open finance marketplaces?
- Meeting the increased need to manage outgoings: will autoswitching services become central to the marketplace proposition?
- A package deal: how can banks seamlessly integrate ancillary services with their core offerings?
- Simple, seamless, interconnected: envisioning the future of connected services
Robert Mooney
Head of Mortgage Transformation
AIB
George Miltiadous
Head of Open Banking Delivery
HSBC
Arka Sircar
Director of Strategy
TSB
Neeta Mundra
Banking and Financial Services Evangelist
Salesforce
Odyssey - What’s next for mobile payments?
A spotlight on mobile: where are we now?
- The evolution of mobile banking: what do today’s customers want?
- New opportunities for mobile: exploring the impact of Covid-19
- From PSD2 to digital wallets: how have innovations in banking and payments transformed the mobile experience?
- How might developments in digital wallets affect the future of mobile banking apps?
- Thinking about data: how can providers capitalize on the new opportunities that mobile
Lee McNabb
Head of Payment Strategy and Research
NatWest
Online payments in a post-Covid-19 world
How have consumer attitudes towards fraud change? What factors are driving these changes? Pieter will explore how these changes are adding new operational risk to e-commerce merchants and share his thoughts on the long-term impact this will have on the online payments industry.
Pieter Van Tienen
Business Development Director EMEA
Emailage
Case study | Swish
Transforming the payments ecosystem: a Swedish success story
Since 2012, Swish has been on a mission to simplify the payments experience. By enabling instant payments between users, ecommerce payments and in-store payments, Swish has been adopted by 92% of the Swedish population. Joseph will share Swish’s success story, the impact it’s had on the payments landscape and what trends will be driving change in the future.
Joseph Hajj
Chief Strategy Officer
Swish
Panel discussion followed by live Q&A
The future of digital wallets
- A digital wallet renaissance? Examining the current state of play in light of Covid-19
- How can players build on the rapid uptake in mobile payment volumes?
- Fraud focus: the importance of aligning customer expectations with evolving security needs
- Paying with points: how can loyalty schemes and diverse payment options be integrated into a digital wallet?
- The role of digital wallets in remittances: surfing the opportunity
- How far are multicurrency needs shaping the evolution of digital wallets?
- What role will blockchain play in the future of digital wallets?
- Superapp wallets: how likely are we to see them develop in the West?
Lee McNabb
Head of Payment Strategy and Research
NatWest
John Maynard
Service Development Manager
Pay.UK
Nick Kerigan
Future Payments Expert and Innovation Leader
Jonathan Doering
Senior Data Scientist
Simility, A PayPal Service
Networking break
15.30 - 17.30: Anticipating a crypto-disrupted world
Interview
Blockchain: back in action?
- Examining the current state of play: where are we at on the hype curve and has Covid-19 accelerated this change?
- Reviewing applications in cross-border payments
- Smart contracts: an oncoming revolution for trade finance?
- Can blockchain provide a more decentralised solution for a digital identity?
Roger Olivet
Blockchain Director
Banco Sabadell
Panel discussion followed by live Q&A
From coins to crypto: the future of digital currencies
- Where it all began: is there still room for bitcoin in the cryptocurrency conversations of today?
- Facebook’s Libra: what can we learn from how this project has evolved?
- A ‘Digital Yen’ and a ‘Digital Euro’: a more ‘stable’ solution to the crypto puzzle?
- Coping with volatile markets and increased trading volumes: exploring the impact of the coronavirus crisis on crypto markets
- The journey to a cashless society: how big of a role with digital currencies play?
- Building a digital vault: what storage solution problems may banks face?
- What developments in digital identity standards will arise as a result of the introduction of digital currencies?
- How might regulators react to the introduction of digital currencies?
- Cooperation and coordination: what actions can banks take now to prepare for a digital currency future?
Dr. Siegfried Utzig
Director, Economics
Association of German Banks
Dotun Rominiyi
Blockchain Strategy – Emerging Technology
London Stock Exchange
Janis Legler
Chief Product Officer
Mode
Ben Dyson
Manager | Digital Currencies Team
Bank of England
Chris Aruliah
Head of Banking Relations
Bitstamp
Closing keynote address followed by live Q&A
Building a ‘stable’ future for digital currencies in todays evolving market
Mark Hipperson
Chief Executive Officer
Ziglu
10.00 - 12.30: FinTech Pitches!
Pitch 1 | Safello
Frank Schuil
Chief Executive Officer
Safello
Pitch 2 | Digital Fingerprints
Krzysztof Raczyński
Founder and Chief Operating Officer
Digital Fingerprints
Pitch 3 | Eversend
Stone Atwine
Co-Founder and Chief Executive Officer
Eversend
Pitch 4 | Trality
Moritz Putzhammer
Co-Founder and Chief Executive Officer
Trality
Pitch 5 | Vouchr
Aaron Whitehead
Managing Director, Europe
Vouchr
Pitch 6 | MoneyMatiX
Tynah Matembe
Co-Founder & Chief Executive Officer
MoneyMatiX
Pitch 7 | Finclude
Ioanna Stanegloudi
Co-Founder and Chief Risk Officer
Finclude
Pitch 8 | Saffe Payments
André Coelho
Chief Executive Officer
Saffe Payments
13.00 - 14.30: FinTech Symposium
The power of FinTech: supporting independent workers during uncertain times
Shifting working patterns in recent years have brought about a rise in independent workers not receiving employment benefits associated with being on a corporate payroll. The dangers of being without holiday pay, sickness pay, insurance, a pension, ect have been thrown into sharp relief by the recent coronavirus crisis. Garrett will explore how private companies can offer a solution by building platforms forged from partnerships with third party providers and using data-driven insights to offer users a specific suite of services.
Garrett Cassidy
Co-Founder and Chief Executive Officer
Trezeo
Futureproofing your scale-up strategy in a post-Covid-19 world
With special focus on the B2B markets, Pablo will share his insights into evolving trends in today’s FinTech landscape and how start-ups can navigate this new terrain for maximum potential moving forward.
Pablo Penas Franco
Chief Executive Officer
Scale Up Partner
Panel discussion followed by live Q&A
Scaling for success: refining your growth strategy in the disrupted ecosystem
- Trends in FinTech: what are we seeing more of right now and where do untapped opportunities lie?
- From funding to remote working: how has Covid-19 impacted growth?
- Has the pandemic changed the qualities that VCs and private equity look for when making invest-ments?
- Acquisition by incumbents: to what extent does the current economic situation make this more likely?
- Flexibility, USPs, innovation: how can FinTechs stay competitive in a crowded market?
- How has the coronavirus crisis affected the volume and nature of FinTech-Bank partnerships?
- Retaining an innovative culture when working closely with incumbent banks: how can success be secured in the face of size and complexity?
- Are Big Techs viable partners for FinTechs? How can these doors be opened?
Neil Campbell
Vice President, Growth
Moneybox
Firoz Noordeen
Head of Product, NatWest Rapid Cash
NatWest
Vinoth Jayakumar
Partner
Draper Esprit
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