Brochure_Banking_on_Innovation_2014

www.efma.com/innovation

CONFERENCE

BANKING ON INNOVATION Hosted by:

Innovate or stagnate!

5–6 June 2014 Barcelona, CaixaForum

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Best practices in retail financial services, more information on www.efma.com

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OVERVIEW

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BANKING ON INNOVATION Innovate or stagnate!

Financial services institutions are facing pressure both from the increasing use of digital technologies and changes in customer behaviour and expectations. New entrants, previously considered as ‘small’ and not an imminent threat, are now growing at an exponential pace. Established players, such as Amazon, Google, Facebook and PayPal, are now also seen as a potential threat.

We are perhaps nearing a tipping point, with activities in branches reducing and mobile and online banking operations multiplying, along with the continuing explosion

of interest in social media. There is a wealth of customer information held by banks, and there are many initiatives for packaging, analysing and using this ‘big data’. Banks need to be aware of the challenges ahead and must be ready to embrace them. Innovation will play a pivotal role in this.

The Efma Banking on Innovation conference provides a forum in which such pressing issues can be properly discussed and debated. Delegates can learn about innovative ideas and new practices and will also have the chance to network with their peers.

The Efma global meeting on innovation Since its foundation in 1971, Efma’s mission has been to promote innovation throughout the retail finance sector.

We are therefore proud to announce our second Innovation conference.

The event will be hosted in Barcelona at the renowned CaixaForum building of ‘la Caixa’, which won the award for the Global Innovator 2013, at The Efma – Accenture Distribution & Marketing Innovation Awards 2013.

Key questions hen is innovation appropriate? What are the pros and W cons of the different types of innovation? How can banks resolve the tensions between innovation and protection?

ow can banks stay ahead of new entrants and other H external players? How can innovation help to counter the perceived threats?

hat are the key areas of innovation? What are the W latest developments in social media, mobile banking, gamification, Facebook banking, etc.?

Hot topics Some of the other topics that will be discussed include: strategy for migrating towards a ‘digital bank’, acting as A a knowledge distributor Challenges in adopting innovative technology Results of recent research

iews from innovative start-ups V A panel discussion on disruptive innovation and other issues

STUDY PRESENTATIONS sing Social media to drive business while operating in a higly sensitive and regulated industry, by Hearsay and Efma U Global innovation trends in retail banking, by Efma New players in retail financial services report, by Efma

5–6 June 2014 Barcelona

SCHEDULE

THURSDAY 5 JUNE 2014

www.efma.com/innovation

FRIDAY 6 JUNE 2014

8.15

Welcome coffee and registration

8.15

Welcome coffee

9.00

David Urbano

9.00

Andres Wolberg-Stok

e-laCaixa 9.25

9.50

Citibank

Raphaël Krivine Axa Banque & Patrick Bucquet Chappuis Halder & Cie

9.35

Maarten Korz

Roman Potemkin

10.10

Panel discussion: can banks and financial services companies stay ahead of new entrants and other external players?

Rabobank

Instabank 10.15

Questions and answers

10.40

Break

10.40

Break

11.10

Brian Pearce

11.10

Makoto Shibata

Wells Fargo 11.35

Aman Narain - By videoconference

Bank of Tokyo-Mitsubishi UFJ 11.35

Standard Chartered Bank 12.00

Social media in retail financial services

José Luis Pulpón Google

12.00

Hearsay Social and Efma

Anthony Thomson Atom Bank

12.25

Questions and answers

12.25

Questions and answers

12.50

Lunch

12.50

Lunch

14.20

Global innovation trends in retail banking

14.20

Jaspar Roos Future Ideas EU

Efma & Infosys 14.45

15.10

Speaker to be confirmed

14.45

Matthieu Soulé

15.10

Conor McCarthy AIB

Gürhan Çam DenizBank

L’Atelier BNP Paribas 15.35

Questions and answers

15.55

Questions and answers

16.00

Break

16.00

Break

16.30

Alpesh Chokshi

16.30

Asad Batla Bank Nizwa

American Express 16.55

Ake Ohlsson

16.55

Efma

Z-CRD 17.20

Magda Espuga Kiss Retail

17.45

Questions and answers

18.10

End of day one

New players in retail financial services

17.20

Questions and answers

17.40

End of conference

5–6 June 2014 Barcelona

THURSDAY 5 JUNE 2014 MORNING David Urbano Director of Mobile Channel and Digital Networks e-laCaixa Spain

Enhancing the mobile banking & payments ecosystem by embracing new mobile technologies Can we bank on wearable gadgets (CaixaBank’s latest apps using Google Glass and Smart Watch, etc.)?

The future of NFC based mobile payments (the obstacles, lessons learned and new advances, including HCE) The mobile wallet dilemma Enhancing mobile banking through social networks Are financial institutions catching up with constantly evolving new mobile technologies?

Raphaël Krivine Head of Direct Banking Axa Banque France & Patrick Bucquet Vice President, Digital Banking Chappuis Halder & Cie France

SOON: mobile banking first!

Market insights and next generation banking model SOON: a value proposition Blending new usages: on-stage demo A ‘lean startup’ approach Banking as a service: next steps

Roman Potemkin CEO Instabank Russian Federation

Instabank for those who are spoiled by the iPhone’s beautiful simplicity or Facebook’s functionality Instabank is a fully-fledged bank that fits in your phone. It’s as simple as iPhone, as social as Facebook and as beautiful as Instagram Welcome to viral customer acquisition for retail banking, in the same way as Dropbox in the disk space hosting business Join Instabank by simply downloading an app and signing in with your Facebook credentials We are revolutionising banking by focusing on user experience. The consumer’s relationship with today’s banks is broken, Instabank will fix it

Brian Pearce Senior Vice President, Head of Retail Mobile Channel and Digital Innovation Wells Fargo USA

Practical innovation: helping customers succeed financially Wells Fargo’s approach to innovation in digital channels Changing customer expectations with regard to mobile behaviour in the U.S. Market Mobile’s impact on bank processes: a framework to evaluate opportunities

Aman Narain - By videoconference Global Head of Digital Banking Standard Chartered Bank Singapore

D for Digital Key elements of an A to Z guide on why banks score low marks compared with many other industries for delivering great digital experiences The elements of a new world order for banking that we need to embrace Rather than an outside-in approach, this is a presentation from a leading digital banker who is driving change from within one of the largest global online and mobile banking presences

STUDY PRESENTATION

Using social media to drive business while operating in a highly sensitive and regulated industry

Peter Caryotis Senior Sales Director Hearsay Social

hy and how should banks and insurance companies use social media on a W company-wide scale?

Sales people should be empowered and compliance officers deeply involved Panorama of best practices around the world

5–6 June 2014 Barcelona

www.efma.com/innovation AFTERNOON

STUDY PRESENTATION

Amit Dua VP & Regional Head of Advanced Markets and Global Accounts, Global Head - Alliances Infosys United Kingdom & Michael Pearson Senior Retail Banking Adviser Efma

Global innovation trends in retail banking T he latest views on innovation from the Efma innovation survey Regional innovation trends highlighting differences in performance and focus Lessons to be learned from the innovation practices of leading banks Case examples of a range of different innovations which illustrate key trends

Speaker to be confirmed Matthieu Soulé Strategic Analyst L’Atelier BNP Paribas France

L’Atelier as a change-maker for BNP Paribas Group and its ecosystem Detecting disruptive innovation and explaining technological revolution Experimenting and advising organisations on new digital usages and their associated business models Structuring and promoting the innovation ecosystem and partnership approach with start-ups

Alpesh Chokshi President, International Payment Options American Express USA

Moving to financial inclusion through technology Across the world, millions of people live outside the traditional banking system and lack access to services that those in the traditional banking system take for granted American Express is currently developing innovative technologies to serve the nearly 2.5 billion people worldwide lacking access to basic financial services Through these technologies, American Express is working to empower a large segment of the population to move toward greater financial inclusion

Ake Ohlsson CEO Z-CRD Switzerland

Imagine a world… without credit card companies!

Discover an opportunity in a $6tn market Z-CRD: a groundbreaking company meeting a new demand A new credit card network: secure, innovative services that cut out the middleman

Magda Espuga Founder Kiss Retail Spain

Retail innovations: the pace of change is accelerating This year’s crop of retail innovations are notable for their adaptation of multiple innovation themes and also because they fully embrace many of the gamechanging ideas which are propelling retail forward A review of the most recent retail concepts: case studies of emerging innovation themes such as retailvention/verticality, technology intervention, customisation and experiential retailing

FRIDAY 6 JUNE 2014 MORNING

Andres Wolberg-Stok Global Mobile and Tablet Banking Director Citibank USA

Innovation and safety in tension: wowing customers without betting the bank As in other industries, innovation in financial services carries substantial risks and rewards: what are the boundaries?

Five guidelines to the sweet spot: a checklist for moving the needle without creating a backlash The example of the new Citi Mobile® Snapshot: an opt-in feature that allows customers to see account balances and recent transactions without having to enter a password every time The path forward: towards creative auto-cannibalization

Maarten Korz Innovation Manager Rabobank Netherlands

Disruption is around the corner: how to create an innovative culture to survive?

How can a bank that is more than 110 years old create a startup mentality?

How can you support intrapreneurship within your organisation?

How to operate in an ecosystem of fintech start-ups Examples of bootcamps, hackathons, innovation jams and more

PANEL DISCUSSION

Can banks and financial services companies stay ahead of new entrants and other external players?

Amit Dua Infosys Ake Ohlsson Z-CRD Brian Pearce Wells Fargo Roman Potemkin Instabank Matthieu Soulé L’Atelier BNP Paribas

Four distinguished speakers from established banks and start-ups will debate innovation in financial services and the two perspectives ‘innovate and grow from being already big’ versus ‘innovate and start from scratch’.

In this context they will look at the key factors to consider in each approach.

Makoto Shibata Principal Analyst, eBusiness and IT Initiatives Division Bank of Tokyo-Mitsubishi UFJ Japan

Challenges in adopting innovative technology Rapid changes in technology are always challenging to financial institutions and our experiences in Japan are instructive Biometrics Mobile bank app NFC Other new areas

José Luis Pulpón Sector Lead Travel and Finance Google Spain

Be first to the future The new world, technology and people The new challenges for the financial CMO Innovation and execution

Anthony Thomson Founder and Chairman Atom Bank UK

Creating and delivering a sustainably differentiated bank Why does differentiation matter?

What are the most important points of differentiation?

Innovation or differentiation?

What matters to consumers?

www.efma.com/innovation AFTERNOON

Jaspar Roos Chief Inspiration Officer Future Ideas EU Netherlands

Mastering the new eco system: a talk that will be both fun and thought- provoking Let’s dive into the financial sector’s changing eco system Who are the new actors?

What are the coolest and most disruptive start-ups?

How do their business models work?

What trends can be derived from research coming out of universities nowadays?

Conor McCarthy Head of Consumer Channel Optimisation AIB Ireland

AIB’s The LAB – creating a digital banking store Customer education and support Co-creation at The Lab The role of Social in The Lab What our customers are saying about their experience in The Lab

Gürhan Çam Digital Generation Banking Senior Vice President DenizBank Turkey

DenizBank’s new age distribution channel innovations: beyond the scope of digitisation Not just banks themselves, now “Customers” are opening their own branches: new generation Facebook branch!

Crowds drive the banks, not only socially but also financially: Twitter Loan Onsite solutions for changing customer needs on mobile platforms: catching up with real mobility with “fastPay” mobile wallet Does micro-business lie beyond “mobilisation”? Mobile cheques & mobile loans Educating customers in digital environments: gamification

Asad Batla Head of Consumer Banking Bank Nizwa Oman

Starting up an Islamic bank: challenges and opportunities The playing field of conventional and Islamic banks The opportunities for Islamic banks Start-up challenges Build and run The road ahead

STUDY PRESENTATION

New players in retail financial services

Michael Pearson Senior Retail Adviser Efma

Who are the innovative new players in retail financial services?

What business models and market entry strategies do they have?

Are new banks successful?

What progress are non-banks making in entering the industry?

5–6 June 2014 Barcelona

REGISTRATION FORM

Scan me and register online now

BANKING ON INNOVATION 5–6 June 2014 Barcelona ATTENDEE’S INFORMATION Mrs.

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PRACTICAL INFORMATION DATES The conference will begin with a welcome coffee on Thursday 5 June 2014 at 8.15 and will end on Friday 6 June 2014 around 18.00.

LOCATION CaixaForum Barcelona Av. Francesc Ferrer i Guàrdia, 6-8 08038 Barcelona, Spain Tel: +34 93 476 86 00 Fax: +34 93 476 86 35 LANGUAGE All sessions will be held in English.

ACCOMMODATION Each participant must pay the cost of his or her accommodation directly to the hotel before departure. A block of rooms has been provisionally reserved for the nights of Wednesday 4 and Thursday 5 June 2014

at the hotel Crowne Plaza Barcelona Fira Center. The cost of a single room per night is 151,21 euros, 172,42 euros for a double room (including breakfast and taxes). An automatic confirmation will be sent by email within 24 hours of your registration. In this email you will find a link to download an accommodation booking form. To book your room, please complete and return this form to the hotel before Monday 5 May 2014.

After this date the hotel cannot guarantee either room availability or prices. The hotel will automatically bill unoccupied rooms or late cancellations. If you are looking for more affordable accommodation, we suggest the following hotels: - Hotel Ayre Gran Via - Hotel Catalonia Barcelona Plaza - B Hotel - Hotel HCC Lugano - Hotel Silken Concordia

REGISTRATION The registration fee covers participation in the conference, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event.

We welcome late-bookers, but credit card information must be provided.

CANCELLATION All cancellations must be received in writing.

A 20% cancellation fee will be charged for all cancellations received on or before Thursday 22 May 2014. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided.

Substitutions are accepted at any time.

REGISTRATION FEE e 1,600 (VAT excluded) for Efma Members e 1,800 (VAT excluded) for Efma Business Partners e 2,400 (VAT excluded) representatives of non-member institutions

If you are interested but you cannot attend the conference, ask for the summary of the best speakers’ presentations at marketing@efma.com

All registrations are strictly individual.

PAYMENT Card n° Expiry date DATE

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Efma l 8 rue Bayen l 75017 Paris l France l Tel: + 33 1 47 42 52 72 l Fax: + 3 3 1 47 42 56 76 l www.efma.com APE: 8230Z l VAT ID: FR 38 313 062 788 l Efma sarl company with registered capital of EUR 15,000 l RC Paris 313 062 788 In accordance with Article 27 of the law on the processing of personal data of 6.1.78, the information which you are requested to provide is necessary to enable us to process your registration and is intended for Efma’s services. You may access this information and request that it be rectified if necessary.

Illustrations: Bruno David

By bank transfer to Efma Sarl bank account IBAN: FR 76 3000 7999 9904 2252 7800 001 BIC: NATXFRPPXXX Natixis, FE3: Unité 3B/747 BP 4, F- 75060 Paris Cedex 2 By credit card: MasterCard Visa American Express