The UK’s leading unsecured lending, alternative finance and mortgage event

2 October 2019 

113 Chancery Lane, London

Join us at the UK’s leading unsecured lending, alternative finance and mortgage event

 

What’s new in the consumer lending industry? How are alternative lenders continuing to transform the lending landscape? What transformation can we expect to see in the mortgages market?  MoneyLIVE: Lending brings together all these players in the market from across the UK to tackle the most pressing subjects facing the industry. From designing new mortgage products, to harnessing the power of data, to revolutionising credit profiling and more, this conference will be the most valuable day you can take out of the office in 2019.

Speakers

Alison Rose, RBS, MoneyLIVE Mortgage Event

Alison Rose

Chief Executive, Commercial and Private Banking, Royal Bank of Scotland

Chris Pearson, HSBC, MoneyLIVE Mortgage Event

Chris Pearson

Head of Intermediary Mortgages, HSBC

Amir Nooriala, OakNorth Bank, MoneyLIVE Mortgage Event

Amir Nooriala

Chief Strategy Officer, OakNorth Bank

Esther Dijkstra - MoneyLIVE bank event

Esther Dijkstra

Director of Strategic Partnerships, Lloyds Banking Group

Scott Liddell, CYBG, MoneyLIVE Mortgage Event

Scott Liddell

Head of Channel and Digital, CYBG

Helen Bierton, Starling Bank, MoneyLIVE Mortgage Event

Helen Bierton

Head of Banking, Starling Bank

Oliver Prill, Tide, MoneyLIVE Speaker

Oliver Prill

Chief Executive Officer, Tide

Mia Zhou, Barclays, MoneyLIVE Mortgage Event

Mia Zhou

Vice President, Senior Product Manager, Barclays

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What our audience says

“Bringing together a wide spread of representatives from across the industry, including the incumbent players right through to the new specialist banks, MoneyLIVE: Lending gives them the opportunity to debate the topics and issues we as an industry face today.”

Chief Executive Officer, Shawbrook Bank

Atom Bank, MoneyLIVE Banking Conference

“A thought provoking and insightful event with a good cross section of speakers from lenders, technology and the wider industry.”

Director of Mortgages, Atom Bank

“A well-organised and well-attended event that covers an impressive amount of ground and is always open to showcasing new trends and ideas.”

Chief Executive Officer, RateSetter

Why take a day out of the office?

MoneyLIVE Banks

Hear how some of the biggest lenders in the UK are taking a fresh new approach to the loans industry, from Royal Bank of Scotland, to HSBC, CYBG, Barclays and more

Bedfuddled by Brexit? Have no fear, as we have an in-depth analysis on what Brexit means for lenders from famed economist, Trevor Williams.

Discover how new data sources, analytics and AI is leading a revolution in credit profiling and customer on-boarding and how you can take advantage of it

With open banking now in full swing, hear from the one and only Alison Rose, Chief Executive of Commercial and Private Banking, Royal Bank of Scotland, on how the lender is implementing open API strategies across the board

Uncover how challengers such as OakNorth Bank, Starling Bank and Habito are transforming each and every aspect of the lending market

Face up to the challenge of ‘generation rent’ and explore how new products such as ‘Lend-a-hand’ mortgages are shaking up the market

Agenda

  • All Topics
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MoneyLIVE: Lending 2019 Wednesday, 2 October 2019

Chair's opening remarks - Mia Zhou, Vice President, Senior Product Manager, Barclays

Session 1

Understanding open banking and the new lending landscape

Keynote address

Implementing open API-centric strategies: how has lending transformed?


Alison Rose, RBS, MoneyLIVE Mortgage Event
Alison Rose

Chief Executive, Commercial and Private Banking , Royal Bank of Scotland

Implementing an agile cloud-based operating system: lessons in delivery

 


nCino

Senior Representative , nCino

Leaders’ forum

A 360 view on lending

  • What opportunities do open APIs lend to the industry?
  • What are the challenges in delivering a successful API strategy?
  • To what extent is the growing digitalisation of loans disrupting the lending ecosystem?
  • SME lending: how might collaboration sustain growth in this sector?
  • Adapting to a more turbulent economy: becoming resilient to increased risk and price volatility

Alison Rose, RBS, MoneyLIVE Mortgage Event
Alison Rose

Chief Executive, Commercial and Private Banking , Royal Bank of Scotland

Rhydian Lewis, RateSetter, MoneyLIVE Mortgage Event
Rhydian Lewis

Chief Executive Officer , RateSetter

nCino

Senior Representative , nCino

Session 2

An economic overview

Contemplating the lending landscape in a post-Brexit UK economy

Any Brexit scenario raises profound questions for lenders. What might be the impact on the housing market? What is the outlook for interest rates? What scenarios do lenders need to consider?


Trevor Williams, Lloyds Banking Group, MoneyLIVE Mortgage Event
Trevor Williams

Former Chief Economist , Lloyds Banking Group

Session 3

The digitalisation of lending

The race to serve the customer: leveraging data and AI to offer more

  • How can AI be utilised to speed up the entire lending process?
  • To what extent can early on-boarding and checks be farmed out to intermediaries?
  • How are unconventional data sources enabling speedier credit decisioning?
  • Pros and cons of robo-advice: speed vs sales effectiveness
  • Utilising data to target and identify underserved segments

Scott Liddell, CYBG, MoneyLIVE Mortgage Event
Scott Liddell

Head of Channel and Digital , CYBG

Case study | MortgageGym

Designing a digital mortgage: disrupting the ecosystem to offer more

Intermediaries deal with 75 per cent of all mortgage sales in the UK market. As customers demand increasingly convenient and online services, the digital mortgage broker MortgageGym has risen through the ranks, utilising artificial intelligence and a wide range of existing online data to find borrowers the best mortgage available.


Jeremy Moll, MortgageGym, MoneyLIVE Mortgage Event
Jeremy Moll

Managing Director , MortgageGym

Panel discussion

Utilising technology to create a personalised and smoother borrowing experience

  • Designing apps, 24/7 customer service and digital on-boarding: meeting customer needs
  • Personalised loans: creating lending products that truly reflect customer demand
  • What impact is AI-driven robo-advice having on customer appetite for lending products?
  • How can robo-advice complement human advisors in secured and unsecured lending?
  • Automating the last mile: bringing RPA and STP to the final stages of the lending

 


Chris Pearson, HSBC, MoneyLIVE Mortgage Event
Chris Pearson

Head of Intermediary Mortgages , HSBC

Scott Liddell, CYBG, MoneyLIVE Mortgage Event
Scott Liddell

Head of Channel and Digital , CYBG

Jeremy Moll, MortgageGym, MoneyLIVE Mortgage Event
Jeremy Moll

Managing Director , MortgageGym

Mark Jenkinson, Chetwood Financial, MoneyLIVE Mortgage Event
Mark Jenkinson

Chief Operating Officer , Chetwood Financial

Session 4

STREAMS: Let's talk mortgages | The future of unsecured lending

Let's talk mortgages
The future of unsecured lending

Chaired by Esther Dijkstra, Director of Strategic Partnerships, Lloyds Banking Group


Serving the complex mortgage customer

  • Dealing with unconventional incomes: how are new data sources making credit assessment easier?
  • Adapting to the gig economy: reimagining the “typical customer”
  • Helping customers get a foot on the ladder: shared ownership and hybrid products
  • Intergenerational lending: bridging the financial gap between the old and young

Russell Anderson, Bank of Ireland, MoneyLIVE Mortgage Event
Russell Anderson

Head of Mortgages , Bank of Ireland

Case study | Dashly

The rise of automated mortgage advice

In this case study, Dashly’s founder Ross Boyd will explore how customer demand has driven the success of its auto-advisory switching platform. Why are today’s customers so willing to put their financial decision making in the hands of a robot? Why is convenience proving king even in a complex environment like the mortgage space?


Speaker Placeholder
Ross Boyd

Co-founder , Dashly

Panel discussion

Reinvigorating the modern mortgage market

  • Collaboration between lenders and brokers: sharing data to improve customer experience
  • “Millennials are always on their phones”: using an ocean of data to on-board the twenty-somethings
  • Does the borrower meet the product criteria? How is the latest wave of tech making life easier for brokers and lenders alike?
  • How long before auto-brokerages expand into the mortgage market and what effect will this have?
  • What might be the impact of regulatory moves to simplify comparison of brokers?
  • As mortgages continue to digitalise, how much will customers still interact with human brokers?
  • Auto-switching mortgages: a wacky concept or an inevitable customer expectation?
  • Surveyors, valuations, brokers, lenders: will closer collaborations develop between the myriad of players in an effort to digitalise manual processes?

Russell Anderson, Bank of Ireland, MoneyLIVE Mortgage Event
Russell Anderson

Head of Mortgages , Bank of Ireland

Speaker Placeholder
Ross Boyd

Co-founder , Dashly

John Goodall, Landbay, MoneyLIVE Mortgage Event
John Goodall

Chief Executive Officer , Landbay

Francesca Carlesi, Molo Finance, MoneyLIVE Mortgage Event
Francesca Carlesi

Chief Executive Officer , Molo Finance

Chaired by Katie Young, Executive Director, Head of Banking and Lending, Coutts & Co


Bringing automation home: a seamless process from end to end


Taylor Adkins, Cloud Lending, MoneyLIVE Mortgage Event
Taylor Adkins

Global VP of Product , Cloud Lending

Case study | Tide

A rising tide: achieving rapid growth as SME bank

Tide has found runaway success as an SME bank, having cornered 1 per cent of the overall market. Part of Tide’s success lies in the range of services it provides, including an invoicing platform, accounting services and ‘Tide credit’, which provides easy instant access to business loans. In this case study, Oliver Prill will explore how Tide’s success as a credit lender for SMEs is rooted in the overall strength and variety of its customer offerings.


Oliver Prill, Tide, MoneyLIVE Speaker
Oliver Prill

Chief Executive Officer , Tide

Panel discussion

The digital revolution in unsecured lending

  • Looking to AltFi: how can collaboration between incumbents and alternative lenders meet customer need?
  • Offering a marketplace of digital products and services: how can banks make SME lending more enticing to customers by offering a wider bundle of services?
  • Open APIs and consumer lending: removing friction in the credit process
  • Building accurate risk profiles quickly: making the most of new data sources
  • Utilising automated decisioning to serve small businesses: unlocking a profitable model

Oliver Prill, Tide, MoneyLIVE Speaker
Oliver Prill

Chief Executive Officer , Tide

Sven Schindele, Tandem, MoneyLIVE Mortgage Event
Sven Schindele

Head of Banking Products , Tandem

Sage Young, Onesavings Bank, MoneyLIVE Mortgage Event
Sage Young

Group Head of Strategic Credit Risk Relationships , OneSavings Bank

Taylor Adkins, Cloud Lending, MoneyLIVE Mortgage Event
Taylor Adkins

Global VP of Product , Cloud Lending

Session 5

The new lending paradigm

Keynote address

Disruption by design: building mortgages fit for 21st-century consumers

As FinTech companies grow in popularity due to their convenient, customer-first services, certain players are overhauling traditional business models to offer ever more to consumers. Online mortgage broker Habito’s technology-first approach already enables it to provide free and simple mortgage advice to 170,000 home-buyers and remortgage customers. And, this year, it announced the launch of its own mortgage products designed to give people more speed and certainty over their mortgage application than ever before.


Martin Van Der Heijden, Habito, MoneyLIVE Speaker
Martijn Van Der Heijden

Chief Strategy Officer , Habito

Panel discussion

Defining your role in the marketplace: who will dominate the customer relationship?

  • Aggregators, lenders or marketplace platforms: who will dominate the customer relationship?
  • The advent of the marketplace banking era: where should lenders position themselves?
  • Will greater value lie in lending-as-a-platform or lending-as-a-service?
  • The future of lending: how can greater trust be built?
  • How can individual lenders stand out as more players come to the market?
  • GAFA and the lending market: is Amazon’s entry the start of something bigger?

Martin Van Der Heijden, Habito, MoneyLIVE Speaker
Martijn Van Der Heijden

Chief Strategy Officer , Habito

Amir Nooriala, OakNorth Bank, MoneyLIVE Mortgage Event
Amir Nooriala

Chief Strategy Officer , OakNorth Bank

Helen Bierton, Starling Bank, MoneyLIVE Mortgage Event
Helen Bierton

Head of Banking , Starling Bank

Closing remarks and drinks reception - Mia Zhou, Vice President, Senior Product Manager, Barclays

Tickets

All tickets include:

Conference pass, lunch & refreshments and a drinks reception

Group Discount

15% off

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Venue

113 Chancery Lane (The Law Society)

133 Chancery Lane - The Law Society

The Law Society, 113 Chancery Lane, London, WC2A IP

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