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Informa
8:00am - 8:45am 45 mins
Registration and networking
8:45am - 8:50am 5 mins
Chairman's opening remarks
8:50am - 9:20am 30 mins
Opening keynote
9:20am - 9:40am 20 mins
Info
Living and breathing agility: How to emulate digitally native companies
  • Marion King - Director of Payments, NatWest
  • Thierry Derungs - Chief Digital Officer, Head Digital Solutions, BNP Paribas Wealth Management
  • Structuring your business differently and using service design to enact end-to-end transformation
  • Strategies to organise small, empowered teams, break the organisation down, and ensure layers of hierarchy aren’t created, and what new systems can enable you to do.
9:40am - 10:00am 20 mins
Info
The evolution of the third era of commerce
  • Giulio Montemagno - Head of Europe, Amazon Pay

Since the emergence of digital, commerce has been in a state of transformation, first with e-commerce and then with the rise of mobile came m-commerce. Today, we are in the very early stages of the third era - voice commerce - a powerful medium that will transform our day-to-day lives and how we purchase. Don't be late to this conversation with Amazon Pay's Giulio Montemagno on how voice commerce will redefine the ideal customer experience. In the third era of commerce, only early adopters win.

10:00am - 10:20am 20 mins
Info
Analyst All-Stars Session
  • Zilvinas Bareisis - Senior Analyst, Celent
  • Kieran Hines - Head of Industries, Ovum
  • Aurélie L'Hostis - Senior Analyst, Forrester

Leading fintech research analysts take the stage for 7 minutes each to present the key opportunities for banks and other financial services providers.

10:20am - 10:45am 25 mins
An Update on the FCA Sandbox: Fostering innovation and enabling collaboration
  • Anna Wallace - Head of Innovation, FCA
10:45am - 11:05am 20 mins
Info
In response to the FCA Sandbox Update: The perspective from a continental bank
  • Maroiane Naami - Head of Innovation, Partnerships & Fintech Relations, BNP Paribas
  • With the UK environment very different to its European neighbours, hear BNP Paribas’s experiences in banking innovation, open banking and Fintech collaboration.
  • Using direct use cases, and success and failure stories, what are the differences between the UK and European contexts, and what does this mean for the future of innovation and collaboration?
11:05am - 11:35am 30 mins
Info
Morning break and networking

Hackathon 1: Financial Product Innovation

Create a mortgage that meets 21st Century customer needs

The mortgage as a product hasn’t changed in 70 years. Wiping the slate clean, teams will reinvent and redesign a modern mortgage product that’s fit for purpose. How can we take advantage of today’s technology to make for a seamless, digitised experience? What would the ideal mortgage look like? How can we use data and behaviours to identify customers who may be looking to buy, and support them through their journey?

It’s a mortgage… but not as you know it.


Hackathon 2: Digital products to attract the older generations

With the push for payments to go cashless or totally digital, how will this impact those who aren’t as digitally savvy? This hackathon will focus on ways to engage, educate, and walk those customers through who are unable or unwilling to make the leap to digital. How do we balance innovation with making sure we don’t leave people behind, and how do we ensure they are reassured and protected?

11:35am - 11:55am 20 mins
Info
The Changing Face of Banking
The 20/20 Hindsight Sessions: Routes to digitisation and transformation, from technical and cultural standpoints
  • Thea Loch - Head of Group Design (Designing the Bank of the Future), Lloyds Banking Group
  • Translating strategy into results, putting new systems into place, shifting company culture, and the various roadblocks encountered
  • The shift of power from financial services to the consumer: A paradigmatic shift that enables Fintech?
  • Hear our expert speakers answering one simple question: “What would I do differently…”


11:35am - 11:55am 20 mins
Info
Technology in Practice
Blockchain: A solution looking for a problem to solve…?
  • Andrew Murray - Director - Strategic Investments, Citi
  • Are there tangible impacts of crypto beyond the theory?
  • What real world problems will it solve, and what is the substance behind it?
11:35am - 11:55am 20 mins
Info
The Future of Regtech
Regtech innovation: Where are we now
  • Establishing which areas of regtech are seeing most investment, to ascertain what this tell us about the future of regtech
  • Prioritising your key regulatory challenges to tackle, in order to identify the game changing regtech innovations that are most relevant to you
  • No limits: Strategies to ensure compliance is achieved in a way that’s elegant for you and your customer
  • ID verification: How to onboard new customers digitally, and open new channels to existing customers digitally
  • The balance between convenience and security in the context of AML/KYC



11:35am - 11:55am 20 mins
Info
Analytics & user empowerment
The ticking time bomb of data: Making sense of legacy data in different systems
  • Cleaning and consolidating existing data into something useful and more manageable
  • ‘Feel the fear and do it anyway’: Tackling legacy systems - the discrepancy between the short-term fix and more fundamental solutions, and overcoming it
  • Filling the data skills gap and ensuring you’re equipped for the future
11:55am - 12:15pm 20 mins
Info
The Changing Face of Banking
The myth of the monolith: The move to banks becoming a conglomerate of different activities
  • Chris Crespo - Chief Transformation Expert, Group Business Transformation, Nordea
  • What does a world where customers don’t care what banking looks like?
  • What new business models will emerge for banks to try to remain relevant to customers’ lives?
  • Where will value chains stay local, and where are the opportunities global?
  • How to cooperate with all the different offerings, to solve clients’ financial problems
11:55am - 12:15pm 20 mins
Info
Technology in Practice
Innovations in conversational banking
  • The impact on customer service and omnichannel services
  • Overcoming customers’ chatbot concerns
  • Emerging trends: Advances in NLP and linguistics, and the impact this will have
11:55am - 12:15pm 20 mins
Info
The Future of Regtech
Regulatory reporting: How to address the challenges in a viable way
  • Randeep Buttar - Interim Head of Data Change (Risk and Finance), HSBC

If it’s not viable to have a single model of regulation and for a solution to cover every model, how can this be addressed in an efficient, sustainable way?

Is the key to be closer to the regulator and, if so, what are the best ways to navigate that relationship?

The role that open APIs may play in improving the system.

11:55am - 12:15pm 20 mins
Info
Analytics & user empowerment
Data engineering and analytics for early threat detection
  • New techniques for better, more accurate, and earlier fraud detection
12:15pm - 12:35pm 20 mins
Info
The Changing Face of Banking
Cooperative strategies to make open innovation work for both incumbents and startups
  • Martijn Moerbeek - Group Digital Strategy & Innovation Director, Legal & General
  • Defining where to innovate: identifying where in your value chain disruption is likely, to develop an appropriate response
  • Engaging with startups in different ways, and identifying the right ways to partner with fintechs in order to innovate
  • With L&G having invested in 200 startups last year, what lessons can be learned and how have investments been linked back to the core business model?
12:15pm - 12:35pm 20 mins
Info
Technology in Practice
Beyond the buzzwords: The actual power and potential of AI in the next five years
  • Paul Wilshaw - Head of Innovation, Barclays
  • Horia Velicu - Head of Innovation Lab, BRD - Groupe Société Générale
  • What problems is AI solving, and what does AI look like in practice
  • The possibilities for AI to revolutionise the customer experience
  • Harnessing AI for better fraud detection and prevention
  • Using AI for better customer profiling and personalisation of offers and services
  • How to balance the human touch with AI, and create a solution to a problem that exists
12:15pm - 12:35pm 20 mins
Info
The Future of Regtech
Delivering a strong customer experience under open banking and two-factor authentication
  • How do we make authentication processes as friction-free as possible, and appropriate to what the customer wants?
  • Are you sufficiently concerned for 3D Secure 2.0, and how do you need to prepare to secure customer authentication?
  • The balance between convenience and security - ensuring security without compromising the broader customer journey

12:15pm - 12:35pm 20 mins
Info
Analytics & user empowerment
GDPR experiences and technology solutions
  • Beverley Aspeling - Group Data Protection Office, Credit Suisse

Practical experiences of GDPR to date - and how technology can continue to help firms with achieving compliance.

12:35pm - 12:55pm 20 mins
Info
The Changing Face of Banking
The Big Debate: The cultural dimension to innovation
  • Kate Bohn - LBG Innovation Lead for Incubator & Accelerator Relationships, Lloyds Banking Group
  • Søren Rode Andreasen - Chief Digital Officer, Danske Bank
  • How to create the culture that leads to a diverse, engaged workforce, that leads to innovation
  • Embodying the characteristics of the entrepreneurs currently defining the future: Embracing challenge and change, diversifying your teams, and questioning the status quo
  • How to foster and retain talent internally and get internal buy-in, and bring in external talent
  • Strategies to develop an empowered, diverse, agile workforce, that can truly meet the customer needs of today and tomorrow
12:35pm - 12:55pm 20 mins
Info
Technology in Practice
The Hit and Miss Sessions
  • Paul Wilshaw - Head of Innovation, Barclays
  • Herve Francois - Blockchain Innovation Lead, ING
  • Use cases of technology implementation: the roadblocks, the hiccups, the failures, and what our speakers would do differently
  • Applications in the real world - what was the technology used to do, what happened next, and what lessons were learned?
  • Hear from those at the coalface of innovation
12:35pm - 12:55pm 20 mins
Info
The Future of Regtech
How to unblock the chain for the best of your compliance
  • Thierry Derungs - Chief Digital Officer, Head Digital Solutions, BNP Paribas Wealth Management
  • Sharing BNP Paribas Wealth Management’s work on eKYC supported by blockchain technology.
  • Exploring the potential difficulties of integrating new technologies into a legacy framework…
12:35pm - 12:55pm 20 mins
Info
Analytics & user empowerment
Marrying better and predictive data analytics for revolutionary, large-scale personalisation
  • How intelligent data analytics can revolutionise your services
  • Monetising your data, and adding value to your customers through engagement and personalisation
  • How to build a real-time profile of your customer, and give your data teams the right tools to run analysis
  • Leveraging the capabilities that a platform brings, harnessing data in useful, tangible ways
12:55pm - 2:00pm 65 mins
Lunch break and networking
2:00pm - 2:20pm 20 mins
Info
The Changing Face of Banking: Challenger Bank Focus
Extrapolating from the Tandem story: How the challenger bank is changing
  • Ben Lilywhite - Deliver Director, Tandem Bank
  • A run down of the past two years in the Fintech and challenger bank space
  • How have challenger banks changed? What will we see in the next two years?
  • Hear from the perspective of Tandem and the repercussions for the wider industry
2:00pm - 2:20pm 20 mins
Customer experience and personalisation
Driving change through customer-led design and transformation: Going beyond, for wider applications of new ways of thinking
2:00pm - 2:20pm 20 mins
Info
Investech and wealth management innovation
The flexibility of wealth management platforms
  • What opportunities exist to personalise your service?
  • Becoming more customer centric in the ways that work best for you and the end user
  • The customer of the future: What touch points will younger, more digitally-savvy customers demand?
2:00pm - 2:20pm 20 mins
Payments innovation
Integrating and absorbing payments into the transaction process: Delivering seamless end-to-end services to customers
  • Nick Kerigan - MD, Future Payments, Cards & Payments, Barclaycard
2:20pm - 2:40pm 20 mins
Info
The Changing Face of Banking: Challenger Bank Focus
All-mobile, all-agile
  • The journey of all-mobile banking offerings to date
  • The potential for partnerships to improve the customer experience
2:20pm - 2:40pm 20 mins
Customer experience and personalisation
The customer-facing digital propositions of the future
2:20pm - 2:40pm 20 mins
Info
Investech and wealth management innovation
Securing new sources of growth: How and why to develop segment strategies for female clients and retirees, from idea to impact
  • Olga Miler - MD and Global Programme Architect, UBS Wealth Management

Securing new sources of growth: How and why to develop segment strategies for female clients and retirees, from idea to impact


With older women as one of the biggest future markets for financial services, this session takes the business development perspective and shows where you should be innovating.


Hear from the pioneering, large-scale programme implemented at a the world’s leading wealth manager, how it came about and has worked in practice, and how the programme continues to evolve:

  • What are the recipes for success – and pitfalls to avoid?
  • How do you involve, enable, and empower the men in your organisation as well as the women, to deliver real change that works for your business and that alienates nobody?
  • How do you implement measurable, all-encompassing strategies to make the most this valuable market?


2:20pm - 2:40pm 20 mins
Info
Payments innovation
The state of peer-to-peer payments
  • Who will seize the market and emerge dominant?
  • What effects will this have?
2:40pm - 3:20pm 40 mins
Info
The Changing Face of Banking: Challenger Bank Focus
The current state of play amongst challenger banks, beyond the column inches generated
  • Valentina Kristensen - Director, Growth & Communications, OakNorth
  • What do you need to look out for in 2019?
  • Challenger bank profitability: when will the coffers start to be lined?
  • What does the future hold for challenger banks: are we looking at acquisition and consolidation?
  • How open banking is affecting the partnerships challenger banks are pursuing, and what the implications are
  • How are challenger banks approaching in-house innovation, and the launch of new products?
  • Into which markets and regions does challenger bank expansion seem likely?
  • What impact will challenger banks’ work have on traditional banks’ digital offerings?
  • To what extent do unicorn Fintechs present competition to challenger banks - and vice versa?
2:40pm - 3:00pm 20 mins
Info
Customer experience and personalisation
Customer segmentation: The move from the one-size-fits-all model
  • Building flexible solutions, and the associated shift in our mindset needed to achieve this
  • Giving customers control over the products and services available to them at any time
  • Offering greater interaction with the customer, and giving them greater control to manage their risk
2:40pm - 3:00pm 20 mins
Info
Investech and wealth management innovation
Will the machine inherit the earth? The prospects for robo-advisory services to replace advisors
  • Nick Johnson - Head of Digital Investing, Coutts

Hear from the first bank to launch an automated advice service for customers and how it is playing out in practice:

  • Why did we choose to be at the forefront of online advice?
  • What were the challenges in developing the service?
  • What are the lessons learned and what would we do differently?
  • What went well and what has been the customer response?
2:40pm - 3:00pm 20 mins
Info
Payments innovation
The emerging B2B payments landscape, and collaboration with Fintechs
  • Maria Parpou - Chief Product Officer, Barclaycard Commercial Payments, Barclaycard
  • Hear how Barclaycard identified and systematically sought to remove the barriers to growth in virtual cards, to develop the B2B payment platform.
  • Moving from exclusivity to cooperation in building banking platforms: collaboration with the travel and procurement ecosystems for a better user experience
  • The changing role of banking in a more open environment: The move from sitting in the middle to playing a proactive, leading role in the new world
  • Tips to overcoming key internal barriers to change, and exploring the reasons why initiatives can fail
3:00pm - 3:20pm 20 mins
Info
Customer experience and personalisation
Embracing change in a new era of customer engagement: Responding to shifting expectations, and delivering tailored experiences at scale
  • Jargon-busting: What do gamification, AI and omnichannel really mean in the context of the customer experience?
  • Ensuring relevance in an evolving world: How do you know what your customer truly wants?
  • Differentiating your offering based on different types of customer
  • Delivering a clear message and making your proposition key to customers
  • How to trial new initiatives: The power of experimentation to make the most of the myriad opportunities
3:00pm - 3:20pm 20 mins
Info
Payments innovation
How do incumbent banks create value in a new age of payments where frictionless customer journeys become paramount?
  • Andrew Pearce - Global Head of Payment, HSBC
  • Addressing the potential disintermediation of banking
  • How can banks remain a value adding part of the process?
  • Using data and other capabilities to create and bring value to customers and encourage loyalty
3:20pm - 3:45pm 25 mins
Info
Afternoon break and refreshments

Hackathon Results: Hear what our teams have been coming up with all day, and vote for your favourite.

3:45pm - 4:05pm 20 mins
Afternoon keynote: Digital transformation - Culture, collaboration & competition
  • Benoît Legrand - Chief Innovation Officer, ING
4:05pm - 4:20pm 15 mins
Info
Becoming a unicorn challenger bank: OakNorth’s journey to profitability
  • Sean Hunter - CIO, OakNorth

Having scaled up from a start up to a multi-billion dollar company in just three years, hear how OakNorth made that leap, and learn more about their path to profitability.

4:40pm - 5:15pm 35 mins
Info
The Final Countdown: Best practices in onboarding innovation
  • Bill Gourlay - Global Head of Investment Product Development, Aon
  • Inbar Ravid - Fintech Discovery Lead, Lloyds Banking Group
  • Kaushalya Somasundaram - Head of Fintech Partnerships & Strategy, HSBC
  • Harrie Vollaard - Head of Rabo Frontier Ventures, Rabobank
  • Wincie Wong - Head of Innovation for Supply Chain Services, RBS
  • Should you set up an incubator, a lab, a venture arm or an accelerator?
  • Exploring the different models of engagement and partnership: What works best for you?
  • Identifying your Fintech partner: The questions you need to be asking
  • Improving communication throughout the partnership process, to accelerate progress, improve relations, and ensure value-add for all
  • Ensuring you don’t stifle and kill what makes a Fintech attractive: the risk of keeping a business-critical Fintech at arm’s length; and the risk of bringing it in house
  • New platform development: Partnerships for a faster pace of change, and overcoming obstacles
5:15pm - 5:20pm 5 mins
Chairman's closing remarks