• Are there tangible impacts of crypto beyond the theory?
• What real world problems will it solve, and what is the substance behind it?

• 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

• 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…”

• 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

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.

With the move to payments becoming diversified and split into different components, which areas will we be active in?

What choices and decisions need to be made, and what impact will this have on you and your customers?

• 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

• 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

• 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 are you preparing to secure customer authentication?
• The balance between convenience and security - ensuring security without this compromising the broader customer journey?

• 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?

• 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…

• Who will seize the market and emerge dominant?
• What effects will this have?

• 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

• 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

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

• 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

• 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?

• 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

• The journey of all-mobile banking offerings to date
• The potential for partnerships to improve the customer experience

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?

• New techniques for better, more accurate, and earlier fraud detection

• 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?

• 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

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?

• What are the latest innovations, and how do we measure it?
• How can customers use their data across platforms, and what is the role of banks to empower customers using their data?

• 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

• Trends impacting the customer journey and experience: tailored propositions through harnessing biodata
• What impact will the use of algorithms have on the ways we operate?
• How blockchain can empower customers to take control of their investments
• KYC in client onboarding and fraud prevention
• Using AI to tailor advice, meet customer needs, and establish the right questions to be asking

• 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