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
Dan Globerson
Head of Open Banking Innovation and Solutions, NatWest
Chris Pearson
Head of Intermediary Mortgages, HSBC
Amir Nooriala
Chief Strategy Officer, OakNorth Bank
Helen Bierton
Head of Banking, Starling Bank
Oliver Prill
Chief Executive Officer, Tide
Mia Zhou
Vice President, Senior Product Manager, Barclays
Trevor Williams
Former Chief Economist, Lloyds Banking Group
Martijn Van Der Heijden
Chief Strategy Officer, Habito
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
“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?
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
MoneyLIVE: Lending 2019
Wednesday, 2 October 2019
2 Oct
Chair's opening remarks - Mia Zhou, Vice President, Senior Product Manager, Barclays
Understanding open banking and the new lending landscape
Keynote address
Open Banking, APIs and the transformation of lending
While still in its infancy, Open Banking is driving real-time connectivity and efficiency in personal and business lending. Customers are beginning to see the benefits of having unprecedented control over their data and payments. While the digitisation of today’s lending journey is an obvious benefit, the real transformation is in new approaches to credit assessment and monitoring, the availability of credit in the customers’ channel of choice and reducing barriers to entry for new participants. As Open Banking transitions to Open Finance and beyond, the lending landscape will be forever changed.
Dan Globerson
Head of Open Banking Innovation and Solutions
NatWest
From Agile to Intelligent: transforming your financial institution with the cloud
Today’s financial institutions face pressure from multiple directions: customers, regulators and competitors. Balancing and addressing these pressures is a challenge. In this session, Jacqui Morcombe will explore how leveraging cloud technology empowers financial institutions to lay a strong foundation and embark upon the journey of becoming an intelligent organisation. Jacqui will also discuss how leveraging innovative new technologies can not only delight customers, but satisfy regulators and help FIs differentiate themselves from the competition.
Jacqui Morcombe
Area Vice President - Go-to-Market
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
Dan Globerson
Head of Open Banking Innovation and Solutions
NatWest
Rhydian Lewis
Chief Executive Officer
RateSetter
Jacqui Morcombe
Area Vice President - Go-to-Market
nCino
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
Former Chief Economist
Lloyds Banking Group
Refreshments
The digitalisation of lending
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
Managing Director
MortgageGym
Managing and leveraging data for a new era
Steve Grice
Managing Director
Elevate Credit
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
Jeremy Moll
Managing Director
MortgageGym
Mark Jenkinson
Chief Operating Officer
Chetwood Financial
Lunch
STREAMS: Let's talk mortgages | The future of unsecured lending
Let's talk mortgages
Serving the complex mortgage customer
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Dealing with unconventional incomes: how can we adapt to this customer segment?
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Adapting to the gig economy: reimagining the “typical customer”
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Helping customers get a foot on the ladder: generation rent
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Intergenerational lending: bridging the financial gap between the old and young
Russell Anderson
Head of Mortgages
Bank of Ireland
A digital-first lending proposition
Jayakumar Venkataraman
Managing Partner, Europe, Financial Services and Insurance
Infosys
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
Head of Mortgages
Bank of Ireland
John Goodall
Chief Executive Officer
Landbay
Nick Smith
Head of Mortgage Products
TSB
The future of unsecured 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
Chief Executive Officer
Tide
Bringing automation home: a seamless process from end to end
Anupam Grover
Global Manager - Sales Engineering
Q2 Cloud Lending
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
Chief Executive Officer
Tide
Sven Schindele
Head of Banking Products
Tandem
Tim Waterman
Head of Unsecured Personal Loans
Zopa
Sage Young
Group Head of Strategic Credit Risk Relationships
OneSavings Bank
Anupam Grover
Global Manager - Sales Engineering
Q2 Cloud Lending
Refreshments
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.
Martijn Van Der Heijden
Chief Strategy Officer
Habito
Pushing the boundaries: taking a forward leap in the digital journey
Andrew Kesbey
Solutions Director
Vermeg
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?
Martijn Van Der Heijden
Chief Strategy Officer
Habito
Amir Nooriala
Chief Strategy Officer
OakNorth Bank
Helen Bierton
Head of Banking
Starling Bank
Anil Stocker
Chief Executive Officer and Co-founder
MarketInvoice
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
When you buy 3 or more tickets
Financial Services*
£995.00 + VAT
Standard
£1,195.00 + VAT
Who attends?
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