Setting the pace in banking and payments innovation worldwide
25 – 26 November 2019 | QEII Centre, London
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Where the future of banking unfolds
MoneyLIVE Summit is the event for the most senior and innovative leaders across banking, payments and FinTech to network, share ideas and supercharge the digital banking revolution.
Brochure
Speakers, content, attendees all in one handy place – get your copy of this year’s showguide for all the information you need about the event
Tickets
We’ve got 3 tracks, over 100 speakers and 2 full days of content. You simply can’t cover this by yourself – find out about our discounted group passes
Sponsorship
Do you want to build your brand profile and connect with senior decision makers? Check out our sponsorship opportunities
2019 speaker announcements
Josh Bottomley
Global Head of Digital, Data and Development, HSBC
Tom Foster-Carter
Chief Operating Officer, Monzo
Deepak Sharma
Chief Digital Officer, Kotak Mahindra
Sigga Sigurdardottir
Chief Executive Officer, Asto Digital
Carlos López-Moctezuma
Global Head of Open Banking, BBVA
Pamela Hilborn
Global Head of Design, Digital Banking, Scotiabank
Elena Alfaro Martinez
Global Head of Data & Open Innovation, BBVA
KayCee Murray
SVP, Information Technology, Numerica Credit Union
Conference themes and agenda
The MoneyLIVE agenda is built by bankers, for bankers. With the help of our MoneyLIVE Advisory Board, we have conducted extensive research with the banking community and have distilled the most compelling ideas and speaker recommendations into two days of content set to transform the industry.
Click below for more information on the key conference themes:
- All Topics
Day One Monday, 25 November 2019
Day Two Tuesday, 26 November 2019
Welcome address from MoneyLIVE and chair's opening remarks
A shift in business models
Keynote address
The opportunities of open APIs: enabling customers to make better financial decisions
Josh Bottomley
Global Head of Digital, Data and Development , HSBC
A new way to bank
TBC
Senior Representative , Tink
Leaders’ forum
A blueprint for the future: changing business models to fit the Open Banking Era
• The new banking landscape: a look to the future
• Maintaining the customer relationship: what can be done to ensure this is not lost to TPPs?
• Finding a new position for banks in the API economy: utility, tech company, digital identity safe-box?
• In which areas of the bank can open APIs be implemented to create new sources of revenue?
• Understanding how TPPs can access bank APIs: subscription, pay-per-use or a free-for-all?
• How can banks change internal cultures to better execute open API strategies?
• Banking-as-a-service or banking-as-a-platform: which model will win out?
Carlos López-Moctezuma
Global Head of Open Banking , BBVA
Tom Foster-Carter
Chief Operating Officer , Monzo
Josh Bottomley
Global Head of Digital, Data and Development , HSBC
Reinforcing the foundations of innovation in an open API-dominated world
TBC
Senior Representative , Mastercard
The building blocks of open banking | Payments 2.0 | The evolving lending landscape
Building the right APIs to genuinely help customers
• What a customer wants: which APIs can be built to satisfy changing customer demands and needs?
• Laying the foundations: how have open APIs helped customers to date?
• Connecting with the right third parties: bringing new products to market more quickly
• How have customer relationships with banks changed as a result of open APIs to date?
Helen Bierton
Head of Retail Banking , Starling Bank
Panel discussion
Establishing a robust open banking infrastructure
• Standardising open APIs: what can we expect from the regulator?
• What in the existing banking infrastructure is holding banks back from implementing open API ecosystems?
• Rearchitecting systems for the API economy: what needs to be done?
• Harmonising APIs with those of third parties: how to ensure effective communication
• Safety net: why might an API fail and how can this be prevented?
• Ensuring defences are watertight: identifying the likely weak spots in the open ecosystem
Nino Ocampo
Global Head of Open Banking and Customer Preferences , HSBC
Robert Mulhall
Managing Director – Retail and Commercial Banking Ireland , AIB Group
Liam Curran
Head of Transaction Banking , Danske Bank
Panel discussion
Welcome to the Funzone: identifying the next big payments innovations
• Embedding payments seamlessly into everyday experiences: is this where invisible payments might succeed?
• Creating an interconnected ecosystem: what innovations are we seeing in the IoT space?
• How is artificial intelligence being deployed to create more delightful payments experiences?
• The next frontier: championing voice-activated payments
• Getting retailers on board and creating a holistic, future-facing ecosystem
• Managing risk effectively: what weak spots can be anticipated with new payments innovations?
Shail Deep
Global Head of Strategic Partnerships & Innovation , HSBC
Tanya Juul Kjaer
Director of Payments , iZettle
Future-proofing mortgages
• Designing a mortgage product for the 21st Century: what are customers demanding?
• The self-employed, gig economy workers and more: drawing on alternative data sources when making credit assessments on those with unconventional incomes
• Creating hybrid products and promoting shared ownership: reimagining the traditional mortgage
• Redefining the relationship between brokers and lenders in a digital-first economy
Maria Harris
Director of Mortgages , Atom Bank
Panel discussion
Mapping out the next steps in lending innovation
• To what extent can a loan product be fundamentally transformed or should lenders focus on improving distribution and onboarding processes?
• What are the opportunities of open APIs in the lending industry?
• The power of AI: from risk assessments to speeding up the application process to real-time loan approvals
• To what extent can lending products be personalised and what are the barriers to achieving this?
• How are alternative lenders pushing the boundaries of the industry and what change have they encouraged to date?
• Complementing human advisors with robo: identifying the benefits
Andy Piggott
Director of Lending Products , Metro Bank
Katie Young
Executive Director, Head of Banking & Lending , Coutts & Co
Tim Waterman
Head of Unsecured Personal Loans , Zopa
Enhancing banking propositions with TPPs | PSD2: the new payments reality | The devil is in the data
Panel discussion
Charting the road to growth through partnerships: leveraging the expertise of third parties
• Which areas of banking are most ripe for FinTech disruption?
• Examples of fruitful relationships: learning from successes and failures
• Adapting culturally to the influx of third-parties: ensuring banks and FinTechs are on the same page
• Open banking and data sharing: how can this be done effectively to better deliver innovation initiatives?
• Opening up new revenue avenues: carving out opportunities with the support of FinTechs
• Moving towards marketplace and lifestyle business models: how can third-parties help where banks are struggling to make progress?
Emma Huntington
Director Innovation & Ventures , Nationwide
Kaushalya Somasundaram
Managing Director, Head of FinTech Partnerships & Strategy
Aneet Morar
Head of Partnerships – Innovation and Strategy , Lloyds Banking Group
Sarah Häger
Head of Open Banking Community , Nordea
Post-PSD2: what you need to know about the final RTS
Helene Oger-Zaher
Retail Banking Conduct And Payment Specialist , European Banking Authority
Panel discussion
A 20:20 view into PSD2
• Thoughts on the RTS: what can the industry start working on now?
• How are payments providers getting on with the implementation of SCA?
• To what extent do we have a better understanding of what a standardised open-API looks like?
• Where is clarity still lacking?
• What challenges will emerge following the release of RTS?
• Post-September 2019: what are the next steps?
Markku Huotari
Program Director, Evangelist, Head of PSD2 Programme , OP Financial Group
Hetal Popat
Programme Director and Head, CMA Open Banking, HSBC
Robert White
Head of Payments , Santander
Gianluca D’Imperio
Group CIB Compliance and Digital Advisor , UniCredit Group
Improving data management: seeing the wood for the trees
• What is preventing banks from properly managing their data?
• How can banks ‘clean’ their data to ensure only the most relevant information is used?
• Migrating data onto the cloud: is this the solution to all the data silos?
• Collecting data from alternative sources: how can this further improve customer experience and propositions?
Salla Franzén
Group Chief Data Scientist , SEB Group
Shaun Rolls
Head of Data Foundation Programme – Group Data Office , SEB Group
Panel discussion
Creating a data-centric organisation
• What are the biggest barriers to efficiently creating a data-centric organisation?
• Laying your foundations: ensuring database infrastructures are fit for purpose
• Mining your resources: locating, refining and processing legacy data
• Listening to your data: ensuring analytics underpins your decision making
• How is data sharing and open banking affecting the way data is managed?
• New talent for new strategies: how can data scientists be attracted from Big Tech?
Elena Alfaro Martinez
Global Head of Data & Open Innovation , BBVA
Roshan Awatar
Group Head of Data Strategy, Change & Innovation , Lloyds Banking Group
Juergen Rahmel
Chief Digital Officer , HSBC
Upgrading the core | Payments systems: the next generation | Go digital, or go home
Panel discussion
Shaking off the shackles of legacy: creating systems fit for purpose
• If it ain’t broke, why fix it? Why the upgrading of core systems is absolutely essential to the successful delivery of API strategies
• What needs to be considered when pursuing an overhaul of core systems?
• Avoiding the pitfalls of system migration: what are the most common mistakes?
• How can innovation be optimised once systems are adapted to deliver the demands of the API economy?
• Is cloud the answer? What other technologies can encourage greater flexibility and agility?
Ian Povey
Head of Payment Infrastructure , NatWest
A spotlight on the New Payments Architecture
The UK’s retail payment infrastructure has not been fundamentally upgraded since the 1960s. Pay.UK has taken on the hefty task of implementing a new core clearing and settlement layer, encouraging competitive innovation and unlocking new business opportunities through more effective use of banking and transaction data. Paul Horlock will share the findings from consultations with partners and the explore the ongoing development of the NPA Blueprint.
Paul Horlock
Cheif Executive Officer , Pay.UK
Panel discussion
Improving payments connectivity: from instant payments to cross-border transactions
• Upgrading ageing infrastructure: ensuring systems can cope with increasing transaction volumes
• Meeting customer demands for the real-time: implementing instant payments across the world
• What can be learned from the SEPA experience? Assessing the demands of cross-border payments
• Global settlement: achieving cross-border interoperability of the RTP scheme
• Putting blockchain back on the priority list: is this a feasible option for the industry?
• Creating a holistic payments eco-system: getting banks, acquirers, card issuers and retailers on the same page
Adrian Smyth
Director of Innovation and Business Development , NatWest
Chris Higham
Head of Strategy and Change – Payments , Virgin Money
Say hello to a digital-first approach to customers
• The ‘personal’ challenge: creating meaningful relationships with customers via digital channels
• Lessons to learn from the challengers: how can incumbent banks create delightful digital onboarding experiences for customers?
• Making the most of third-party partnerships: leveraging the expertise of others
• Interacting with customers via marketplace platforms: retaining the client relationship
Deepak Sharma
Chief Digital Officer , Kotak Mahindra
Looking beyond the hype: how AI can help banks future-proof the business
Richard Harris
SVP of International Operations , Feedzai
Panel discussion
Digital Banking masterclass: keeping pace with changes in consumer behaviour
• Hoverboards, holograms, jetpacks: predicting how customers will live in 2030
• What must banks do to avoid digital obsolescence?
• Ensuring APIs are at the core of the digital banking strategy: increasing the pace of change
• Conversational UX and CX: creating a digital dialogue between banks and customers
• Addressing the pain-points in the onboarding process
• Digital identities: the solution to all our problems?
Pamela Hilborn
Global Head of Design, Digital Banking , Scotiabank
Michael Legare
Vice President – Digital Transformation , National Bank of Canada
Paul Ho
Director, Head of Digital Banking & Innovation Lab , Asian Commercial Bank
Rob Basinger
Executive Director, Head of Products, Marketing & Digital , Marcus by Goldman Sachs
Disruptive forces from around the world
Leaders’ forum
What’s in the DNA of challengers? Getting to know the competition
• Outlining the similarities between global challengers: what conditions have enabled success?
• The enduring question of scalability: what are new entrants doing to grow at pace?
• Targeting underserved customer segments: where do the most promising opportunities lie?
• How are challengers creating compelling and recognisable brands to win over customers?
• Finding the right partners to succeed: how has FinTech supported growth?
• What are the significant milestones challengers have achieved to date?
• The next steps: to what extent is offering lifestyle services integral to future success and longevity?
Ángel Sahagún
Chief Executive Officer , albo
Brandon Krieg
Co-founder and Chief Executive Officer , Stash
Will Sorby
General Manager, UK , N26
Chair’s closing remarks followed by drinks reception
Chair's opening remarks
Living in the moment with lifestyle banks and platforms
Leaders’ forum
Finding a place in a new world: where does banking sit in the age of lifestyle platforms?
- Defining the lifestyle platform: what does this really mean?
- Should banks go down the road of marketplace business models or lifestyle platforms? Discuss
- Changing stereotypes: how can banks become a customer’s trusted life-partner?
- Attracting the right network of partners: finding the optimum fit
- A treasure trove of data: how are banks best placed to build lifestyle solutions for customers?
- Will banks sit at the centre of lifestyle platforms in the future? If not, what role will they take?
- What needs to change for the WeChat model to take off in financially-mature Western economies?
Jayesh Patel
Head of Liv. Digital Bank , Emirates NBD
A world of confidence | FinTech Central | Rethinking approaches to risk and regulation
Case study
Voice as a channel: grasping the opportunities of conversational convenience
KayCee Murray
SVP, Information Technology , Numerica Credit Union
Case study | Ann Summers
Striving towards customer excellence
Doro will discuss the journey undertaken at Ann Summers when designing web features with the customer in mind. Although this talk will focus on our journey toward reaching customer excellence online, it will also touch on the vision of the business to become a truly insight driven organisation (IDO).
Doroteya Plummer
UX Design Manager , Ann Summers
Panel discussion
Optimal convenience: banking whenever, wherever
• Defining convenience: what does this really mean in banking?
• Pain-points in the customer journey: where are banks failing at the moment?
• Real-time responses: ensuring systems meet customer expectations
• How can banks become their customers first point of call?
• Upgrading the mobile banking experience: how can this proposition be enhanced?
• Refining the chatbot proposition: the key to becoming a 24/7 bank
• How can chatbots be deployed to handle more complex customer queries?
• Bringing back the branch? To what extent is a physical presence absolutely essential?
• What is the solution in response to the increasing number of banking deserts?
Niamh Byrne
Head of Marketing, APAC & EMEA , Citi
Paul Ho
Director, Head of Digital Banking & Innovation Lab , Asian Commercial Bank
Ian Leung
Director of Mobile Banking Delivery , Royal Bank of Canada
Lotta Lovén
Head of Digital Banking , Swedbank
Pitch | Tully
Stuart Bungay
Chief Executive Officer and Co-founder , Tully
Pitch | Hudya
Morten Kvam
Chief Communications Officer , Hudya
Pitch | Fintune AG
Ruth Mojentale
Chief Executive Officer , Fintune AG
Pitch | Mojo Mortgages
Richard Hayes
Chief Executive Officer and Co-founder , Mojo Mortgages
The RegTech Revolution: transforming compliance
• What cost-savings opportunities can be attained with RegTech?
• Cutting down the man-hours: reassigning employees’ time and effort to more complex regulatory tasks
• How can RegTech help banks transform ease-of-compliance into a competitive advantage?
• How can data be managed effectively internally for RegTech to be harnessed to its full potential?
Francisco Esteves
Head of Compliance Oversight , Nationwide
Let's get personal | FinTech Central | New approaches to business banking
Panel discussion
“It’s all about me”: tailor-made banking
• Personal and convenient: what gives banks the competitive advantage?
• How can artificial intelligence be used to create bespoke customer experiences?
• Personalised advice: is robo the way forward?
• The answer is in the data: how can more sophisticated analytics help to prevent customers from choosing tech-savvy new entrants over banks?
• Real-time banking: delivering to customers in the moment
• What further value-added services can be offered to customers?
Anthony Flack
Head of Digital Delivery , Santander
Anna Swartling
Head of Customer Experience Design , SEB Group
Case study | Asto Digital
The bank that gives SMEs back their time
Managing cash flow and staying in the black is one of the biggest pressures facing the UK’s 5.4 million freelancers and micro-SMEs. Asto (backed by Santander) is an app designed to help keep their cash flow positive from their mobile phone. Sigga Sigurdardottir will discuss how Santander saw the problem SMEs faced, why they decided to set up Asto and how financial innovation is essential to drive change to benefit SMEs.
Sigga Sigurdardottir
Chief Executive Officer , Asto Digital
Panel discussion
Serving the underserved: filling a gap in the SME market
• What are SMEs really looking for from their banks?
• Digitising the customer journey: what are the most urgent pain-points that need to be addressed?
• Making financial advice more accessible: how can chatbots step up to the plate?
• ‘Open’ lending platforms: how can FinTech partnerships help to enrich the SME experience?
• How can banks gain an edge over more agile alternative lenders?
• Established banks launching new SME focussed-brands: is this the way forward?
Oliver Prill
Chief Executive Officer , Tide
Supersonic digital innovation
Chair’s closing remarks and end of conference
Tickets
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All tickets include:
2 day conference pass, lunch & refreshments and a drinks reception
Financial Services*
save £400 Early Bird Until 12 July
£1,045.00 + VAT
Full Price £1,445.00 + VAT
Standard
save £300 Early Bird Until 12 July
£1,595.00 + VAT
Full Price £1,895.00 + VAT
Sponsors
Venue
Queen Elizabeth II Centre
Broad Sanctuary, Westminster, London SW1P 3EE