Defining a new future in lending

2 October 2019 | Central London

MoneyLIVE: Lending Icon

Be part of the transformation

With digital innovations on the rise, changing consumer behaviours and expectations, and a competitive open banking landscape to face, it is now more important than ever for senior professionals to unite and strategise for an inspiring future of lending.

Whether you are a traditional lender, disruptor, alternative lender or solutions provider, MoneyLIVE: Lending will take you on a journey to uncover the challenges and opportunities facing lenders.

“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

Speakers

Alison Rose, RBS, MoneyLIVE Speaker

Alison Rose

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

Richard Rowntree, Bank of Ireland, MoneyLIVE Speaker

Richard Rowntree

Managing Director, UK Mortgages, Bank of Ireland

Chris Pearson

Head of Intermediary Mortgages, HSBC

Trevor Williams, Lloyds Banking Group, MoneyLIVE Speaker

Trevor Williams

Former Chief Economist, Lloyds Banking Group

Rhydian Lewis, RateSetter, MoneyLIVE Speaker

Rhydian Lewis

Chief Executive Officer, RateSetter

Andrew Lawson, Zopa, MoneyLIVE Speaker

Andrew Lawson

Chief Product Officer, Zopa

Martijn Van Der Heijden, Habito, MoneyLIVE Speaker

Martijn Van Der Heijden

Chief Strategy Officer, Habito

Mark Jenkinson, Chetwood Financial, MoneyLIVE Speaker

Mark Jenkinson

Chief Operating Officer, Chetwood Financial

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Agenda

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MoneyLIVE: Lending 2019 Wednesday, 2 October 2019

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 Speaker
Alison Rose

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

Keynote address

Rising to expectations: advancing open innovation and launching new products


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

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 Speaker
Alison Rose

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

Rhydian Lewis, RateSetter, MoneyLIVE Speaker
Rhydian Lewis

Chief Executive Officer , RateSetter

Speaker Placeholder

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 Speaker
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

Managing and leveraging data for a new era


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.


John Ingram, Mortgage Limited, MoneyLIVE Speaker
John Ingram

Chief Executive Officer , Mortgage Gym Limited

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

Head of Intermediary Mortgages , HSBC

John Ingram, Mortgage Limited, MoneyLIVE Speaker
John Ingram

Chief Executive Officer , Mortgage Gym Limited

Mark Jenkinson, Chetwood Financial, MoneyLIVE Speaker
Mark Jenkinson

Chief Operating Officer , Chetwood Financial

Session 4

Let's talk mortgages | The future of unsecured lending

Let's talk mortgages
The future of unsecured lending

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

Richard Rowntree, Bank of Ireland, MoneyLIVE Speaker
Richard Rowntree

Managing Director, UK Mortgages , Bank of Ireland

Making data work for you: finding value in unexpected places


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?

John Goodall, Landbay, MoneyLIVE Speaker
John Goodall

Chief Executive Officer , Landbay

Speaker Placeholder
Ross Boyd

Co-founder , Dashly

Matt Lowndes, Coreco, MoneyLIVE Speaker
Matt Lowndes

Managing Director , Coreco

Case study | Zopa

From an alternative lender to a fully licensed bank

Zopa was the first UK P2P lender to be awarded a full banking licence. In this case study, Jaidev Janardana will be explaining what motivated Zopa to evolve its P2P model into that of a more traditional bank. Andrew will reflect on Zopa’s experience as a bank to date and how their customer base have responded to the wider range of services they are now able to provide.


Andrew Lawson, Zopa, MoneyLIVE Speaker
Andrew Lawson

Chief Product Officer , Zopa

Bringing automation home: a seamless process from end to end


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

Andrew Lawson, Zopa, MoneyLIVE Speaker
Andrew Lawson

Chief Product Officer , Zopa

Oliver Prill, Tide, MoneyLIVE Speaker
Oliver Prill

Chief Executive Officer , Tide

Sven Schindele, Tandem, MoneyLIVE Speaker
Sven Schindele

Head of Banking Products , Tandem

Sage Young, Onesavings Bank, MoneyLIVE Speaker
Sage Young

Group Head of Strategic Credit Risk Relationships , OneSavings Bank

Ben Simmister, RBS, MoneyLIVE Speaker
Ben Simmister

Head of SME Loans , Royal Bank of Scotland

Session 5

The new lending paradigm

Keynote address

Lending as part of an ecosystem of services


Stuart Leak, Starling Bank, MoneyLIVE Speaker
Stuart Leak

Head of Lending , Starling Bank

Keynote address

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

As fintech companies grow in popularity due to their convenient, customer-first service, 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
Martin Van Der Heijden

Chief Strategy Officer , Habito

Pushing the boundaries: taking a forward leap in the digital journey


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 P2P lending: how can greater trust be built?
  • How can individual lenders stand out as aggregator models grow in popularity?
  • GAFA and the lending market: is Amazon’s entry the start of something bigger?

Stuart Leak, Starling Bank, MoneyLIVE Speaker
Stuart Leak

Head of Lending , Starling Bank

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

Chief Strategy Officer , Habito

Shakila Hashmi, BGL Group Compare the Market, MoneyLIVE Speaker
Shakila Hashmi

Head of Money , BGL Group – Comparethemarket

Closing remarks and drinks reception

Shawbrook Bank Logo“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

Ratesetter logo MoneyLIVE

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

CEO, Ratesetter

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Conference pass, lunch & refreshments and a drinks reception

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