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8:00am - 8:40am

Registration, Breakfast & Networking

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Showing of Streams
12:30pm - 1:30pm
Info

Lunch & Networking

12.40: Don’t miss - The Finovate Accelerator/Incubator/Lab Showcase

5 accelerators each showcase 2 of their hottest portfolio companies in 3-minute pitches (14 start ups in total) in this high-energy and thought-provoking conclusion to FinovateFall.

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Showing of Streams
2:50pm - 3:15pm

Intermission, Refreshments & Networking

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Showing of Streams
8:00am - 8:40am 40 mins
Registration, Breakfast & Networking
8:40am - 8:50am 10 mins
General Session
Chairman’s Opening Remarks
8:50am - 9:10am 20 mins
Info
General Session
FinovateFall Kick-Off: Analyst All-Stars!
  • Alissa Knight - Senior Analyst, AITE Group

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

9:10am - 9:40am 30 mins
General Session
Opening Keynote
9:40am - 10:10am 30 mins
Info
General Session
The new kids on the block: Rising to the Google, Apple, Facebook and Amazon challenge
  • Chair Ben Cukier - Partner, Centana Growth Partners
  • Jeremy Balkin - Head of Innovation, HSBC
  • Gary Singh - VP Marketing, Ondot Systems
  • With customers looking increasingly to the tech giants of the world, how can incumbents face their new competitors head on, and what opportunities exist for you to rise to the challenge?
  • What is the roadmap of these organizations, and how are they using their tech niches to satisfy user needs across varying backgrounds.
10:10am - 10:30am 20 mins
Info
General Session
WEB VS NATIVE: Choosing the right approach for your digital journey in FinTech
  • Sean Ginevan - Head of Global Strategy and Market Enablement, Google

Mobile web and native application technologies have evolved tremendously in recent years. In this session, we’ll help you understand which approaches are right for your digital transformation efforts. You’ll understand the tradeoffs for each technology, and we’ll discuss best practices on which architectures fit the needs for projects in your organization.


10:30am - 11:00am 30 mins
General Session
Morning coffee & networking
11:00am - 11:30am 30 mins
Info
General Session
Reeling in Innovation: The risks digital transformation creates
  • Sean Sposito - Senior Analyst, Cybersecurity, Javelin
  • Describing which modernization trends are most affecting the threats banks face.
  • Discussing how those innovation decisions may adversely affect compliance and customer trust.
  • Identifying security strategies that should be top of mind for both financial technology providers selling and banks implementing enhanced features on behalf of their customers.
11:30am - 11:45am 15 mins
Info
General Session
The crucial role of data in executing your AI strategy
  • Hossein Rahnama - CEO, Flybits

Having a strong data ecosystem is paramount to executing AI and personalization strategies at speed and scale. This keynote will walk through the factors and considerations of building a data ecosystem, and the impact it will have on privacy, consumers and AI.

11:45am - 12:15pm 30 mins
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General Session
DEBATE: Delivering the next generation in customized customer experience
  • Jarrod Joplin - SVP, Experience Design, Bank of America
  • Mayank Mishra - Managing Director; Global Head Digital Channels, Citi
  • Mark Sullivan - Global Business Leader, Banking & Capital Markets, Genpact
  • Archie Ravishankar - Founder & CEO, Cogni
  • How do we think differently around segmentation, and meet the needs of different types of customers?
  • Mirroring the digital experiences that customers are used to, and integrating your services into their world and the channels they already use.
  • Identifying the sweet spot for serving all customers, regardless of their generational differences: how do we truly differentiate the customer experience using digital, and balance customers’ varying needs?
  • Exploring the differences between the competitive landscape in the United States, and how best to overcome barriers to digital innovation.
  • Creating technology that serves human needs: uncovering what customers are trying to do, and getting out of their way
12:15pm - 12:30pm 15 mins
Info
General Session
SPOTLIGHT ON LENDING: Lending solutions that work for the unconventional customer

With alternative lending having had a definitive impact on financial services, what solutions have emerged for people with low credit scores, or those living paycheck to paycheck? What is the status of the likes of GreenSky and LendingClub, and what new startups should you be keeping an eye on?

12:30pm - 1:30pm 60 mins
Info
Lunch & Networking

12.40: Don’t miss - The Finovate Accelerator/Incubator/Lab Showcase

5 accelerators each showcase 2 of their hottest portfolio companies in 3-minute pitches (14 start ups in total) in this high-energy and thought-provoking conclusion to FinovateFall.

1:30pm - 1:50pm 20 mins
Info
The Future of Banking & Payments
From ecommerce to voice commerce: The next disruptor and the next era of payments
  • Sunayna Tuteja - Head of Strategic Partnerships and Emerging Technology, TD Ameritrade
  • How is voice user interface (VUI) evolving, and how will it become more personalized and integrated into everyday lives.
  • With VUI fitting easily into customers’ everyday lives, and offering huge opportunities to improve customer engagement, how can you make the most of the opportunities available?
  • What is the future of voice technology, and what VUI initiatives are already underway?


1:30pm - 1:50pm 20 mins
Info
Digital Finance & Challengers
Supporting digital transformation at scale: From design to implementation
  • Chair Devon Sherman - Program Director, MassChallenge FinTech
  • Simon LeTort - Chief Digital Officer for the Americas, Société Générale
  • David Jones - VP Product Marketing, Nuxeo
  • Lewis Liu - Co-Founder & CEO, Eigen Technologies
  • Pascal Hoffmann - SVP, Wholesale & International Banking Strategy, Wells Fargo
  • Vamsi Potukuchi - VP, Americas, FIs (Relationships + Regulatory Compliance), Intesa Sanpaolo
  • Developing the skillsets to think through your digitization strategy and make it scalable.
  • Establishing what it is you are seeking to achieve, and employing the right technology in meaningful ways to reach your goals.
  • Selecting the most appropriate partnerships, and overcoming hindrances to effective partnerships..
  • Embarking on a journey of cultural change, once the technology is in place.


1:30pm - 1:50pm 20 mins
Info
Technology for CX
Blockchain in practice: Meeting customer needs in more effective ways
  • Chair Ricky Dodds - Head of Institutional Markets and Contributor Relations, ICON Foundation
  • Lior Glass - Global Blockchain Lead, BNY Mellon
  • Exploring real use cases of blockchain in action, this session will explore what the implications of blockchain adoption are.
  • How far in the future we can anticipate further change, and what these best case studies can mean for your blockchain adoption?
  • Grappling with establishing the killer business model: what is preventing us from taking blockchain to the next level?
1:30pm - 1:50pm 20 mins
Info
RegTech & Open Banking
Looking ahead to the future of regulation
  • Rob Morgan - VP of Emerging Technologies, American Bankers Association
  • Phil Goldfeder - SVP of Public Affairs, Cross River

With the tightening of regulation in the US, the likelihood of significant regulation by the Financial Services Committee, and the passing of significant data regulations in Europe, which way are the political winds blowing, and what direction will they take financial regulation in? What does this mean for the future of innovation, and how can we ensure that necessary technological change is enabled and not hindered: how can the US regulatory ecosystem support innovation, and what are the challenges that have been encountered?

1:30pm - 1:50pm 20 mins
Info
Wealth Management Innovation
The future is hybrid: Marrying roboadvice with human advisers, and how this fits into the broader wealthtech landscape
  • As roboadvisory services develop, it seems that a balanced, hybrid approach, with the best of both worlds, has emerged as the optimal model for most people. What are the strengths and weaknesses of various models, and what can we learn from initiatives already in place?
  • Successful implementation of hybrid advice and hybrid financial coaching models
  • Exploring how to differentiate your offerings, and playing to your strengths to stand out in a crowded market.
1:30pm - 2:50pm 80 mins
Info
Executive Boardrooms
Cyber Executive Boardroom

Future-proofing against the cyber threat

With the risks of a cyber attack evolving constantly, and no organization immune from a breach, how can we best mitigate the risks and be in the best possible position to keep up with the threat? This Executive Boardroom, targeted at CTOs, CIOs and CISOs, gives expert predictions on the evolution of the cyber landscape, the best tools to manage your cybersecurity requirements, and ensure your security systems are being constantly updated.

  • Evaluating the internal and external risks, and developing appropriate strategies to combat each
  • Exploring the emerging trends in cyber attack, and how to respond to the evolving threat
  • How will AI, automation and machine learning be used to counter cyber attacks, and what does this mean for the future of cyber security?

An invite only, facilitated discussion fostering peer to peer exchange for specific attendee groups. Discussion will be facilitated and focus on current pain points. The room will be set as a boardroom table or hollow square and attendance will be capped at 20.


1:50pm - 2:10pm 20 mins
Info
The Future of Banking & Payments
Real-time and cross-border payments: Where are we now?
  • Manish Kohli - Global Head of Payments and Receivables, Citi
  • Rob MacColl - Head of Client Development, Cross River
  • With domestic real-time payments becoming the norm, when can we expect the same for cross-border payments, and what are the barriers still to be overcome?
  • As ecommerce and business continues to shift towards global marketplaces, how is this causing us to rethink cross-border payments, and how do different entities approach cross-border payments?
  • Delivering value for customers with transparent, real-time, cross-border payments, without compromising on security concerns
  • Improving access to data, and leveraging that access to enhance the process.
  • What regulations can we expect around quicker payments?
1:50pm - 2:10pm 20 mins
Info
Digital Finance & Challengers
The implications of new models in finance for the ways we do business
  • Lucien Foster - Head of Digital Partnerships, BNY Mellon
  • John Finneran - Senior Product Marketing Manager, Financial Services, Sinequa
  • Rayan Rafay - Chief Operations and Finance Officer, Unison

With many companies seeking to automate and technologically-enable financial services, and new models emerging in areas from wealth management to insurance, and from real estate to buying a car, what do these new business models mean for the ways you operate?

Hear insights from experts from across the financial services world.

1:50pm - 2:10pm 20 mins
Info
Technology for CX
Virtual reality and augmented reality: The final frontier in incorporating personal interaction to digital banking?
  • How are VR and AR improving the customer experience, and finally closing the gap between the face-to-face advantages of in-branch banking and digital banking?
  • With voice banking already being applied in business use cases, what is the future for this technology, and how do we overcome customer concerns that hinder adoption?
1:50pm - 2:10pm 20 mins
Info
RegTech & Open Banking
The changing face of know your customer: Securing digital identity
  • Swapna Malekar - Senior Manager, Product, RBC
  • Robin Weiss - Head of US East Coast Innovation Ecosystem, Fidelity Investments
  • Frank Villavicencio - CPO, ADP
  • Exploring the technological and regulatory enablers, and how financial institutions are responding to the changes.
  • Simplifying onboarding for financial products: harnessing technologies to improve and control KYC in the most secure ways.
  • Beyond regulatory responsibilities, determining what personal data you have on your customer, where it resides and how you control it.
  • Self-sovereign ID – examining user control of identity and personally identifiable information
1:50pm - 2:10pm 20 mins
Info
Wealth Management Innovation
Impact investing: Redefining the wealth management landscape
  • With impact investing an increasing buzzword, and startups responding to the demand for socially-conscious investment products, what strategies exist to target this emerging market in an effective, credible way?
  • Exploring the emerging platforms that can support impact investment initiatives.
  • How are the approaches being redefined and how can you harness partnerships to maximize the opportunity available?
2:10pm - 2:30pm 20 mins
Info
The Future of Banking & Payments
Digital wallets: Beyond ApplePay and GooglePay for alternative service offerings
  • Shari Van Cleave - Head of the Wells Fargo Digital Labs, Wells Fargo
  • Chris Crespo - Executive Adviser and Head of Digital Direction, Nordea Group Digital
  • What are the potential opportunities for digital wallets to do more around digital ticketing, receipts, and identification, and to what extent is this the next big step for differentiated digital wallets?
  • Will North America skip contactless payments altogether, and move straight from physical cars to broader digital wallet offerings?
  • Looking to in what’s happening in Asia and innovations in Europe, to establish how to pioneer new payment methodologies, and ensure you’re innovating as the move to the cashless, wallet-less society continues apace.
2:10pm - 2:30pm 20 mins
Info
Digital Finance & Challengers
Adapting company culture in a revolutionizing financial world
  • Dariane Hunt - SVP; Design Director Artificial Intelligence, Bank of America
  • Martin Lange - Director, Client Experience Strategy, BNY Mellon
  • Working holistically to ensure product delivery comes from a customer experience perspective first and foremost
  • Becoming more agile and innovative, and bringing customer-centric products to market more quickly
  • Applying design thinking to internal teams, to work more effectively in a digitized era of finance
  • Focusing on rapid innovation from start to finish, and helping your organization to automate and become more efficient internally
  • With incumbents in the transition period to new ways of working, how will you reskill your workforce to avoid damaging company culture?
2:10pm - 2:30pm 20 mins
Info
Technology for CX
Technology for better data analytics and behavioral change
  • Neesha Mathur - Head of Behavioral Science and Marketing, Prudential Financial
  • Dipanjan Das - Sr. Business Director, Cross-Marketing, Retail and Direct Bank, Capital One
  • The impact of social media on data, and the opportunities for behavioral change.
  • With social media data allowing for a 360 view of an individual, how are we able to created effective nudges and shift behaviors and preferences, in a way that the customer deems acceptable.
  • Harnessing data-driven analytics for true personalization of offerings and better customer experience.
  • Using multiple data points to identify the sort of person your customer is, to be truly personalized in your recommendations: what data sources exist for you to use, and what are the optimum strategies for personalization.
  • Acquiring customers: How do we think about different players, from your competitors to those in adjacent markets?


2:10pm - 2:30pm 20 mins
Info
RegTech & Open Banking
The prospects for open banking, and delivering an API transformation program
  • Greg Brown - Managing Director, Canadian Digital Sales & Marketing, North American Digital Channels, Bank of Montreal
  • Eyal Sivan - Senior Director, Enterprise Architecture, CIBC
  • Ben Soccorsy - SVP, Head of Digital Payments, Wells Fargo Virtual Channels, Wells Fargo
  • Exploring the challenge of transforming legacy services and delivering integration patterns for real-time service integration using APIs.
  • Looking beyond North America, what do other regional regulations for APIs look like, and what are the implications for your organization and for new technologies in the US?
  • Ensuring the security of customer data as you open up your data and APIs to external partners, and where the responsibilities lie.
  • Exploring the asymmetry and shift in power dynamics, as banks open up APIs and data access.
2:10pm - 2:30pm 20 mins
Info
Wealth Management Innovation
Diversified product offerings in a new era of wealth management
  • With new entrants offering different and varied service offerings and new business models, what does innovation in wealth management and investment look like moving forward, and which players should you keep an eye out for?
  • How are different players using technology to satisfy the needs of all their customers, no matter what their wealth background?
  • What will the next generation of wealth management frontend look like?
2:30pm - 2:50pm 20 mins
Info
The Future of Banking & Payments
The evolution of the payments experience
  • Keerthivasan Rajagopalan - Group Head of Digital Wallets and Payments Engineering, Citi
  • Michelle Ziolkowski - SVP, Head of Global Payables, Wells Fargo
  • Digital experiences inside and outside of apps, and how the payments experience is changing.
  • Exploring how ecommerce is changing, and how to balance the seemingly contradictory elements of reducing friction and increasing security.
  • As merchants start to build their own in-app checkout experiences, is there a risk of banks, card networks and digital wallets being cut out of the picture? How are merchants taking back ecommerce experiences, and what should you be aware of?
2:30pm - 2:50pm 20 mins
Info
Digital Finance & Challengers
Digital challengers versus incumbents: Who will emerge victorious?
  • With consumer-friendly challengers sights firmly set on expanding into the US, how are these banks planning to approach expansion into the US?
  • What effect will digital challengers have on competition in the market and undercutting incumbents, and how will the different cultures affect their propositions?
  • Exploring the direction digital players are going in: where are the likes of N26, Revolut and Monzo in their plans, how difficult will it be for them to acquire a license, and where do they see their futures?
  • Responding to the threat: which incumbents are adopting models to transform into agile, digital companies with digital offerings?
  • What are digital challengers’ US strategies, and where do they see the greatest opportunities?


2:30pm - 2:50pm 20 mins
Info
Technology for CX
The mindset and mentality of AI innovation: Delivering partnerships for success
  • How does partnership with AI startups differ to others, and what do you need to consider from a partner.
  • Identifying business needs and driving value from your partnerships in practice: lessons learned.
  • Leveraging AI for better insights into your customers.
2:30pm - 2:50pm 20 mins
Info
RegTech & Open Banking
The shifting global regulatory landscape and its implications for you
  • What are the various changing regulatory pressures at play, what will the impact be on your business and what can you expect from your partners?
  • Following GDPR implementation in Europe, what are the implications for data sharing if similar regulations are passed here? What are the lessons learned from the European experience, and what can we take from this as we look ahead?
  • PSD2 is shaking up how payments work with Europe: what are the implications for your payments strategy, and how is the payments ecosystem and landscape changing as a result?
  • With open banking already in motion in Europe, what do we need to be discussing now in anticipation of changes coming to us in North America?
2:30pm - 2:50pm 20 mins
Info
Wealth Management Innovation
Automated client reporting and financial management
  • Creating tailored, automated services and analysis to your customers, and the potential effects of automation for your clients as well as your teams.
  • Using customer-centric channels of communication to fit into the customer’s life, not the other ways around.
  • Personalization of the client journey, and using AI for better service provision
  • The particular importance of performance reporting for HNW individuals.
2:50pm - 3:15pm 25 mins
Intermission, Refreshments & Networking
3:15pm - 3:30pm 15 mins
General Session
Sponsor session
3:30pm - 3:50pm 20 mins
Info
General Session
IN CONVERSATION: Delivering innovative, disruptive banking that actually works for the customer
  • Luvleen Sidhu - Co-Founder, President, & Chief Strategy Officer, BankMobile

Beyond talking the talk, learn how a true innovator has disrupted banking, to launch and deliver digital banking that works for and serves Americans. In our live onstage Q&A with Luvleen Sidhu, hear how BankMobile is working to make banking more accessible, intuitive, and empowering, and how the bank is constantly evolving and innovating in response to changing customer needs, particularly amongst millennials and Gen Z.


Luvleen will discuss how she developed and executed a strategy that has taken BankMobile from an idea to a viable bank with over 2 million depositors and how she helped develop a disruptive, multi-partner distribution model, known as “Bank-as-a-Service” (BaaS). What does the future have in store for BankMobile, and how can you inject an entrepreneurial spirit into your organization and improve your services?

4:20pm - 4:55pm 35 mins
Info
General Session
PANEL: The democratization of financial services, and the future of marketplace banking
  • Violeta Furculita - Director, Digital Financial Products Innovation, Prudential Financial
  • Vamsi Potukuchi - VP, Americas, FIs (Relationships + Regulatory Compliance), Intesa Sanpaolo
  • Dipanjan Das - Sr. Business Director, Cross-Marketing, Retail and Direct Bank, Capital One
  • Sami Lahoud - Member, SME Finance Forum

Following much talk about rebundling, we’re now seeing real use cases of fintechs offering more, across the full gamut of financial services products. What are the resulting new business models, what are the opportunities for banks in terms of becoming ecosystem players and service providers, and what does this mean for incumbents and Fintechs alike?

  • When can we expect rebundling to reach critical mass, and what insight can we glean from the steps already being taken to rebundle products?
  • Will rebundling be driven by incumbents collaborating with startups, or by a broadening of challenger banks’ strategies?
  • What are the opportunities for banks to become service providers and platforms, and what steps are already being taken by incumbents in this space to move into new offerings?
  • As products become increasingly available to mass markets, who will emerge victorious in this space, and which players are emerging for you to keep your eye on.
4:55pm - 5:00pm 5 mins
General Session
Chairman's closing remarks