Pushing the boundaries of digital banking innovation
25 – 26 June 2019 | etc. Venues St. Paul’s, London
ATTENDEES
400+
SPEAKERS
50+
BANKS
80+
COUNTRIES
40+
Digital Banking 2019 unpacks the rapid advancement in technology and customer expectations in banking.
From the wider impact of open banking and APIs, to the unyielding power of AI and data analytics, we’ve got everything covered. Providing practical advice through case studies, development stories and panel discussions, this event is for senior executives to discover how technology is transforming banking as you know it.
Learn how your bank can succeed in the API economy and take away the tools you need to develop accessible and secure APIs
Understand the ways in which banks are using the value of data to personalise their products and better understand the customer
Meet the latest and brightest FinTechs revolutionising banking as you know it and find out where your business could be heading next
Delve into the latest technologies – explore voice technology’s ability to transform your business, and understand how to implement an AI solution for your organisation
Learn from over 50 senior speakers from across Europe and beyond, to measure yourself against how the biggest players in the global market are tackling the banking revolution
Meet with 400+ senior representatives from banks, challengers, FinTechs, tech giants and be a part of the conversation on where’s next for digital banking
Speakers
Benoît Legrand
Chief Innovation Officer, ING Bank
Carlos Kuchkovsky
Chief Technology Officer, New Digital Business, BBVA
Joseph Gordon
Head of First Direct, First Direct
Aidan Millar
Chief Data Officer, DNB
Caroline Ambrose
Open Banking Director, Barclays Bank
Julian Sawyer
Chief Operating Officer, Starling Bank
Izayana Navas
Director of Product Development, Royal Bank of Canada
Lana Abdullayeva
Director, Open Banking & PSD2, Lloyds Banking Group
Agenda
- All Topics
Day One Tuesday, 25 June 2019
Day Two Wednesday, 26 June 2019
Welcome address & Chair's opening remarks
The transformative power of open banking
Keynote address
The future of banking
Benoît Legrand
Chief Innovation Officer , ING Bank
Fireside Chat | First Direct and Bud
Incumbent bank and agile start-up: how has the collaboration process fared?
Despite vast differences in culture and stature, First Direct and Bud have successfully partnered to deliver a common goal: to provide customers with an integrated offering of financial services products from across the market, including those from other providers. In this fireside chat, Nick Harrison and Jamie Campbell will discuss how the two parties co-created their standalone app ‘artha’, what challenges they overcame and how they co-manage the on-going partnership.
Nick Harrison
Commercial Director , First Direct
Jamie Campbell
Head of Awareness , Bud
Leaders’ forum
Remaining an important part of the value chain in an open ecosystem
• What changes have we seen in the market as a result of banks becoming AISPs?
• Why should banks look to ensure that APIs are at the core of their proposition?
• Moving from a reactive to a proactive mind set: harnessing the full potential of APIs
• How have Open APIs enabled banks to own the customer relationship?
• How has the integration with FinTechs altered the value chain in banking?
• Overcoming the technological hurdles: what must be done?
• Looking ahead: how will the API economy evolve?
Benoît Legrand
Chief Innovation Officer , ING Bank
Ashesh Jani
Head of Retail Banking – UK and Europe , ICICI Bank
Nick Harrison
Commercial Director , First Direct
Kevin Mountford
Chief Executive Officer , Raisin UK
Refreshments
Streams - Turquoise Stage | Jet Stage | Opal Stage
Championing open APIs and transforming revenue models
• How should revenue models be adapted to succeed in an open-API led environment?
• Adopting the right models: from subscription-based APIs to pay-per-use
• How will banks deliver value in an open architecture climate?
• Do banks possess the capabilities required for this new era, if not, what are they lacking?
Jitendra Tekchandani
Head of Open Banking Delivery , DBS Bank
The growth and potential of APIs in business banking
• How are APIs set to revolutionise this area of banking?
• Creating a central ‘hub’ for businesses to control a range of assets: where can banks start?
• Which areas of business banking are most ripe for transformation by FinTechs?
• When can we expect the uptake of APIs in business banking to take off
Susan French
Head of Product , BBVA Open Platform
Panel discussion
Understanding the wider impact of the API economy in financial services
• What can banks learn from the Tech Titans who already use APIs to their advantage?
• What regulation might we expect around the pricing of APIs?
• The impact of priced APIs: how will FinTechs fare in this new landscape?
• Will banks fail to deliver innovative products if FinTechs and TPPs are priced out of accessing APIs?
• What problems may arise when revenue models are largely dependent on software and technology built from scratch?
• How can banks anticipate and be prepared for when these problems inevitably arise?
Jitendra Tekchandani
Head of Open Banking Delivery , DBS Bank
Matthew Hunt
Chief Operating Officer , New Payment System Operator
Lana Abdullayeva
Director, Open Banking & PSD2 , Lloyds Banking Group
George Miltiadous
Head of Open Banking Delivery , HSBC
AI: pushing the boundaries of banking
• Uncovering a wealth of opportunity in artificial intelligence: what impact will it have on banking over the next ten years?
• The convergence of Big Data and AI: how will this transform the customer experience?
• From RPA to artificial intelligence: what roadblocks can banks expect to encounter?
• Increasing staff efficiency: understanding how AI can truly support internal operations
Ash Booth
Head of Artificial Intelligence , HSBC
Managing financial risk with AI
TBC
Senior Representative , Feedzai
Mitigating the threat of credit risk through AI
• How can AI use both historical and real-time data to better evaluate default risk probability?
• Accurately assessing credit risk: what significant and actionable insights can AI provide?
• Justifying the costs: ensuring a substantial and sustainable ROI when investing in AI in the risk arena
Radek Litynski
Head of Processes and Risk Measurement Department , mBank
Panel discussion
Implementing large-scale AI solutions: lessons in delivery
• Which areas of banking are most ready for AI execution and disruption?
• What problems arise when AI solutions are used to a larger scale?
• Can the data that is needed to implement AI be easily accessed without technological, contractual or other impediments?
• Designing an AI strategy that stands the test of time: what are the key issues?
• What internal structural changes are needed for AI to flourish?
• What are the advantages of implementing an AI strategy that is adaptable to change for the long term?
Ash Booth
Head of Artificial Intelligence , HSBC
Paul Clark
Chief Technology Officer , Tandem
Angel Serrano
Head of Data Science , Santander
Chair’s opening remarks
This session is dedicated to exploring the best and brightest start-ups in the FinTech scene. Network with your peers and sit back and listen to the latest innovative start-ups pitch to you. A series of hand-picked FinTechs will each have 10 minutes to explain their business to the audience, with questions to be taken following the presentations.
Helene Panzarino
Managing Director , SBC Colab
Pitch 1 | Ernit
Soren Nielsen
Chief Executive Officer , Ernit
Pitch 2 | Moneymailme
Mihai Ivascu
Chief Executive Officer , Moneymailme
Pitch 3| Paytweak
Thierry Meimoun
Chief Executive Officer, Founder , Paytweak
Pitch 4 | Countingup
Tim Fouracre
Founder, Chief Executive Officer , Countingup
Pitch 5 | Railsbank
Nigel Verdon
Chief Executive Officer and Co-founder , Railsbank
Pitch 6 | MyBucks
Fernando Oltra
Head of Investor Relations , MyBucks
Lunch
Streams - Turquoise Stage | Jet Stage | Opal Stage
Meeting the RTS deadline: lessons in delivery
• What have been the main challenges in meeting the Regulatory Technical Standards?
• A safety net: creating fallback systems in the event of API failure
• How are banks balancing the heightened security measures of Strong Customer Authentication without impeding the customer experience?
• ‘Frictionless flows’: under what circumstances can two factor authentication be exempted?
Caroline Ambrose
Open Banking Director, Barclays Bank
Panel discussion
Developing APIs fit for purpose: creative, accessible and secure
• Why might APIs fail and how can this be prevented?
• How can APIs be tested with basic data sets before scaling up their usage quickly and effectively?
• How feasible is it for banks to monitor the APIs availability, security and performance?
• What are the technical challenges that FinTechs face when trying to collaborate across multiple banks and their varying APIs?
• What impact does the lack of standardisation have on banks, FinTechs and customers?
• How can banks create APIs quickly and efficiently but still fit for purpose?
Caroline Ambrose
Open Banking Director, Barclays Bank
Susan French
Head of Product , BBVA Open Platform
Wincie Wong
Digital Propositions Lead , Royal Bank of Scotland
Mark Curran
Director of Payments and Open Banking , CYBG
Data management for a new epoch
- How can data be better collected, stored and processed to align with the banks’ business strategy?
- Collecting data from new channels: voice, messenger platforms and beyond
- What steps can be made to reduce data being replicated?
- What wider benefits come when data is properly managed?
Cameron Craig - HSBC
Group Head of Data Privacy , HSBC
Panel discussion
Using a treasure trove of data to its full potential: value and security
• What third parties would find the data that banks own particularly valuable?
• What non-monetary benefits are there for allowing third parties to access a bank’s data?
• Do banks need to get consent from customers to sell the anonymised data they own?
• Treading a fine line: when does selling data become unethical?
• Is cloud computing still regarded as the safest way to store and manage data?
• What measures are being put in place in order to protect the large amount of data banks hold?
Cameron Craig - HSBC
Group Head of Data Privacy , HSBC
Aidan Millar
Chief Data Officer , DNB
Refreshments
The future of banking – from telecoms to Tech Titans
Chair’s closing remarks followed by drinks reception
Chair’s opening remarks
Session Five: The complete digital experience
Keynote address
Attracting customers with instant and effortless banking
Julian Sawyer
Chief Operating Officer , Starling Bank
Interview | CYBG
• How will CYBG look to improve the digital experience for both sets of customers after the merger?
• Smooth transition: what strategies will minimise the impact to customers during the acquisition?
• How can the bank begin to roll out new, digital-based products to a wider audience?
Fergus Murphy
Group Customer Value Director , CYBG
Leaders’ forum
Becoming an essential part of customer’s daily routine
• To what extent is becoming an AISP vital to retaining customer relationships?
• What value are customers genuinely looking for from their bank today?
• How are banks meeting the digital experiences and expectations formed by GAFA?
• What value-added services can banks offer through digital channels?
• Moving beyond the millennial hype: how can digital banks appeal to older generations?
• Is marketplace banking the answer when trying to meet the demands of today’s customers?
• How might additional channels such as voice help customers interact with banks more frequently?
Julian Sawyer
Chief Operating Officer , Starling Bank
Fergus Murphy
Group Customer Value Director , CYBG
Joseph Gordon
Head of First Direct , First Direct
Sunil Dixit
Managing Director , BBVA
Refreshments
Streams - Turquoise Stage | Jet Stage
Fast, painless and secure: customer onboarding as it should be
• What are established players doing in response to pain-free and instant onboarding offered by neobanks?
• How is human interaction becoming an increasingly less frequent but more important tool for onboarding processes?
• What role can biometrics play in solving some of the problems faced by customers when onboarding?
Pella Frost
Head of Strategy and Customer Experience, Products , TSB Bank
Case Study | DBS
The future of customer operations: powered by customer science and a digital workforce
Shefali Gupta from DBS tells the story of the bank’s compelling comeback: rising from the bottom of Customer Experience scores in 2009 to the top of the CX charts in 2013. Through a “Control Tower” that tells everything we need to know to create exceptional customer journeys in real time, Shefali uncovers the future of customer operations, and how to build the right digital workforce with a customer centric mind-set.
Shefali Gupta
Executive Director , DBS Bank
Panel discussion
Delivering the ultimate customer experience
• Putting yourself in the customer’s shoes: what are the most common pain points and how can they be solved?
• How are banks using feedback to improve customers ongoing user experience?
• Click and mortar: how are banks making digital and human touchpoints more streamlined and bringing them closer together?
• How are FinTechs and technology companies revolutionising the user experience and how can banks mirror this?
• What can be done to recover digital journeys that fail to complete?
Pella Frost
Head of Strategy and Customer Experience, Products , TSB Bank
Bernhard Bernhardsson
Head of Digital Banking , Arion Bank
Becoming the ‘Bank of One’: building personalisation to deepen customer interactions
• Harnessing the power of predictive analytics to discover individual customer preferences
• To what extent are customers demanding a hyper-personalised marketing strategy when it comes to their finances?
• The age of immediacy: using real-time data and analytical strategies to deliver instant gratification to customers
Jonathan Law
Head of Customer Segment Strategy , AIB Group
Panel discussion
AI and machine learning: the toolkit for the perfect customer journey
• Can the entire customer journey be underpinned by AI, if so, what will be the impact?
• Decrease in time, increase in efficiency: how does RPA deliver value for both the bank and the customer?
• How can AI automate the onboarding process?
• What future role do chatbots have in owning the customer relationship?
• How can Natural Language Processing improve the customer experience but also make them feel valued?
• What growing role does facial recognition technology have in banking?
Jan Thomas Lerstein
Head of Emerging Technologies , DNB
Terry Cordeiro
Head of Applied Science & Intelligent Products , Lloyds Banking Group
Jonathan Orritt
Data Scientist , Santander
Lunch
Streams - Turquoise Stage | Jet Stage
The growth of the platform: a new epoch for customers
• Marketplace, platform, lifestyle banking: understanding the differences?
• What are the benefits of offering products and services from third parties, and even competitors?
• What digital complexities do you need to overcome to create a differentiating customer experience in platform banking?
• Finding the right products: what digital tools will customers demand in the future?
Frank Jan Risseeuw
Chief Executive Officer , Yolt
Panel discussion
The future of lifestyle portals: becoming an integral part of customers’ lives
• Lifestyle portals: what are the advantages of offering non-financial products?
• To what extent are lifestyle portals the answer to becoming an integral part of customers’ lives?
• When will we see diversified digital platforms, already dominate in China, hit the European market?
• How can banks use historical data to help them to choose what non-financial services should be added?
• What regulatory and technical hurdles are in the way of banks creating lifestyle propositions quickly?
Frank Jan Risseeuw
Chief Executive Officer , Yolt
Alina Agurida
Director, Digital Retail Banking , Raiffeisen Bank
Voice assistants: the next big channel?
• Why should banks look to invest in voice technology?
• What purpose does voice technology serve when it comes to daily banking activities?
• How can banks incorporate customer expectations and demands into the skill development process?
• Encouraging uptake in an emerging market: the key elements
Izayana Navas
Director of Product Development , Royal Bank of Canada
Panel discussion
Talk to me: understanding the potential of virtual assistants and chatbots
• How can virtual assistants improve customer experience, reduce human customer service costs and streamline a bank’s operations?
• When, if ever, will customers accept chatbots as their primary interaction with their bank?
• Chatbots on messaging platforms: are they set to overtake mobile apps?
• Do banks have the technological capacity to create an entirely automated banking experience?
• How will the customer relationship change when computers become the main channel of communication?
• Are virtual assistants the final ingredient to lifestyle portals?
• Can we expect a fully automated banking experience that is principally controlled by voice technology in the future?
Izayana Navas
Director of Product Development , Royal Bank of Canada
Victor Trokoudes
Co-Founder and Chief Executive Officer , Plum
Refreshments
Innovation and agility
Closing keynote
The secret recipe: innovating at speed and to scale
Carlos Kuchkovsky
Chief Technology Officer, New Digital Business , BBVA
Chair's closing remarks and end of conference
Open banking or open risk?
Protecting both banks and customers in an open, AI-driven ecosystem
To meet the expectations of today’s customers, banks need to prioritise convenience and go above and beyond for consumers. But with the rise of open banking and increasing usage of AI is your organisation capable of handling the new risks they create?
Innovation is fundamental in today’s banking landscape but as the banks innovate so too do the fraudsters. The panel will discuss how to ensure you stay ahead of the risks, while also taking full advantage of the new opportunities open banking and AI offer.
Tickets
All tickets include:
2 day conference pass, lunch & refreshments and a drinks reception
Group Discount
15% off
When you buy 3 or more tickets
Financial Services*
save £300 Early Bird Until 05 April
£995.00 + VAT
Full Price £1,295.00 + VAT
Standard
save £300 Early Bird
£1,395.00 + VAT
Full Price £1,695.00 + VAT
FINTECH RATE APPLICATION
If your organisation is a start-up at which has raised < €5 million in funding, < €2 million in annual revenues, and has been in business < 3 years you can apply for the FinTech Rate of €445*.
Connect with your audience
Our attendees tell us their aim is to make meaningful connections with solutions providers. With this in mind, we have created a range of sponsorship opportunities that can help you raise your profile and reach the right people.
We can tailor any of the following to your needs:
Thought-leadership sessions
Hospitality packages
On-site event branding
One-to-one meetings
Exhibition space
Sponsors
Silver Sponsor
Bronze Sponsor
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