Efma Innovation Summit 2015

Innovation Summit

26-27 October 2015 – Amsterdam

www.efma.com/innovation15

Mastering innovation: champions share their secrets

Marcelo Frontini Director of Innovation & Technology Banco Bradesco Brazil

In the face of stricter regulation and capital requirements, low interest rates and new entrants competing for their credit or savings customers, financial services organisations are realising that the only way to succeed is to innovate.

Maria José Jordá García Customer Experience Transformation Head BBVA Spain

Innovation summit will be the inauguration of a week-long series of events, with the third day devoted to our Innovation Awards Ceremony and the last two days to our 43rd Congress.

Hot topics to be focused on at the event:

Marie Pires Head of Innovation AXA France Deepak Sharma EVP & Head of Digital Initiatives Kotak Mahindra Bank India

ow to engage both employees H and customers in the innovation process Best practices in idea generation, selection and incentives How to attract new talent Establishing and managing partnerships with non-financial companies and universities Tracking the promising start-ups which are popping up worldwide

Paul Steenkamp Head Innovation Capability, Personal & Business Banking Standard Bank South Africa Andres Wolberg-Stok Global Head, Emerging Platforms & Services Citibank USA

Why should you attend this event? e part of an engaged community of top senior financial B services executives involved in innovation, strategy, brand and product management, digital channel, organisation, transformation, etc.

L earn from award winners from 5 continents who will share through in-depth case studies how they impulse innovation at Banco Bradesco, AXA, Standard Bank, Citibank and Kotak Mahindra Bank

et real-life applications of valuable ideas via the on-site G visits and interactions with big industry players

ear the latest research findings on how banks are H innovating, with the 7th Innovation in Retail Banking Report, by Efma and Infosys

#EfmaInno15

26-27 October 2015 Amsterdam

MONDAY 26 OCTOBER 2015

www.efma.com/innovation15

MORNING

Event moderated by: Jim Marous, Owner and Publisher of the Digital Banking Report and Co-Publisher, The Financial Brand USA

8.15

Welcome coffee and registration

9.00

Wassili Bertoen Managing Director of the Center For The Edge Europe Deloitte Netherlands

Exponential technologies lead to new business models Eat yourself before somebody else does Innovation as a means of shortening product life cycles and the risks of disruption from new unexpected players in your (financial services) market Tuning into and benefiting from exponential technological developments in regions such as Silicon Valley and Israel

9.30

Maria José Jordá García Customer Experience Transformation Head BBVA Spain

Breakthrough customer experience in retail banking Overcoming the silos: achieving cross-division collaboration to create new value propositions Jumping to the next level, where knowledge is shared and talent is relevant, and the whole business is focused on offering true and differentiated omnichannel experiences Engaging employees: combining their operational knowledge with innovation methodology to drive powerful changes Engaging customers in the creation process Banking is about getting things done… on mobile devices, and soon on wearables

10.00

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

Digital innovation challenges Rapid technology and consumer behaviour changes Case studies Robotics Data analytics Account opening Open approach for creative ideas New opportunities with digital innovation

10.30

Questions and answers

11.00

Coffee break and networking

11.30

13.00

CASE STUDY Deepak Sharma EVP & Head Digital Initiatives Kotak Mahindra Bank India

The hardest choice banks face today: painful digitisation of the systems, the culture and people, or starting from a blank sheet with a new brand, alongside the traditional bank Kotak’s take on this billion dollar question The choice that organisations have How to decide what works best for each financial institution Build, buy, collaborate and transform Banks and start-ups: a real opportunity, inflated hype or both? Born to work together or forever enemies?

Metrics of success

Lunch and networking

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26-27 October 2015 Amsterdam

MONDAY 26 OCTOBER 2015

www.efma.com/innovation15

AFTERNOON 14.00

14.30

Maciej Wolański CTO and Head of R&D, Financial Services Comarch Poland

Bank of Things A banker’s guide to the galaxy of recent hardware Just the gadgets, or… … the answer to the Ultimate Question of Life, the Universe, and Everything?

WORKSHOP

Content innovation workshop The input of day 1 will provide us with inspiring examples of new innovations and best practices on how to innovate. Divided in several teams, you will address the following questions: How will our future banking world look like?

What are the key elements of winning business models of the future?

How do we create an industry environment in which innovation will flourish?

Where can we work together to boost innovation?

Jean-Pierre Boelen Managing Partner Financial Services & Joep Arends Senior Manager Innovation Growth Services Deloitte Netherlands

16.15

16.30

Coffee break and networking

ON-SITE VISITS Get real-life applications during the on-site visits, via direct interactions and learn how big industry players implement the newest and best ideas, to create value. Choose one of the parallel on-site visits:

ABN Amro Innovation Lab Visit of the centre where ABN Amro develops all its innovation activities.

19.00

B-Amsterdam start-up community. Tour of the facilities that host a wide range of start-ups and the opportunity to meet those that operate in the financial industry

Deloitte’s Innovative building the Edge. Visit of one the most sustainable and innovative buildings in the world.

End of day one

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26-27 October 2015 Amsterdam

TUESDAY 27 OCTOBER 2015

www.efma.com/innovation15

MORNING 8.00

8.30

9.10

10.40

11.10

12.40

Welcome coffee STUDY PRESENTATION Michael Pearson Strategic Adviser Efma France & Arnand Nagwani Head of Europe Infosys U.K

7th Innovation in Retail Banking Report by Efma and Infosys Global innovation trends in retail banking

CASE STUDY Marie Pires Head of Innovation AXA France

Opening my AXA’s Innovation Cookbook Preparing a meal depends on the kind of menu you want to offer your guests, the quality of ingredients in your fridge and the type of equipment in your kitchen Similarly, designing an innovation programme depends on what your company wants to achieve and the resources and tools you can leverage Personal recipes for fostering innovation in large companies via various AXA initiatives

T here has been a very large increase in FinTech investment in the last few years and we will be looking at how banks are working with start-ups to boost their innovation efforts We have been monitoring trends in innovation investment and performance for 7 years and we will be updating the conference on the results of our online survey and interviews There are common strategic innovation themes on a global basis, but there are also regional differences which we will highlight in the presentation, and we will be describing some of the more interesting case studies

Coffee break and networking CASE STUDY Paul Steenkamp Head Innovation Capability Personal & Business Banking & Jennifer Sutherland Innovation Manager Standard Bank South Africa

Creating an Innovation #Mov//ment at Standard Bank Standard Bank’s innovation strategy: an overview How do we design our innovation capability?

Moving on to the next step: operationalising our capability Some perspective on playing catch-up with the first mover in our market: differentiation Lessons learned

Lunch and networking

#EfmaInno15

26-27 October 2015 Amsterdam

TUESDAY 27 OCTOBER 2015

www.efma.com/innovation15

AFTERNOON 13.40

15.10

15.40

17.10

17.50

CASE STUDY Andres Wolberg-Stok Global Head, Emerging Platforms & Services Citibank USA

Taking the hard road: Citi’s approach to open banking and APIs Reinvent and rebuild your bank, or leverage your service and data-assets?

The speed-to-market imperative for banks: transform or risk being disintermediated An API transformation as the keystone of becoming “a technology company with a banking license” How to set course for a fully API-driven organisation Immediate rewards: how Citi became the first bank with an Apple Watch app at launch

Coffee break and networking CASE STUDY Marcelo Frontini Director of Innovation & Technology Banco Bradesco Brazil

Celebrating 72 years of constant innovation and total focus on searching for a new “disruptive” innovation model An innovation pioneer Incorporating disruptive innovation in the corporate agenda Fostering a cross-departmental culture of innovation to boost the customer experience Focusing on strategic priority segments: digital channels, means of payment, branch of the future, products and insurance The process is divided between: . Closed innovation: processes, methods, executive agenda, innovation parks, and idea capture programme . Open innovation (inovaBRA.com.br): pioneer programme to capture opportunities with start-ups and support innovative projects with appropriate solutions

Maurizio Poletto Head of Design Experience & Member of the Digital Innovation Hub Erste Group Austria

Innovation is about change. Change needs a new culture, but are we ready to challenge our culture?

Outline of Erste Group’s experiences in recent years in the field of digital innovation and customer experience design If they want to stay in the market and properly service their clients all retail banks need to adopt new approaches to: . Product and service creation . Internal and external challenges . Trends and new behaviour in the digital environment Are we ready to challenge the way we have managed our business during past decades in order to succeed in the coming decades?

End of the conference

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26-27 October 2015 Amsterdam

REGISTRATION FORM

INNOVATION SUMMIT 26-27 October 2015 – Amsterdam, Renaissance Hotel ATTENDEE’S INFORMATION Mrs.

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Mr. / First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . VAT ID number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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Assistant’s information (or person in charge of the registration) First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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PRACTICAL INFORMATION DATES The Innovation Summit will begin with a welcome coffee on Monday 26 October 2015 at 8.15 and will end on Tuesday 27 October 2015 around 18.00.

LOCATION Renaissance Amsterdam Hotel Kattengat 1 1012 SZ Amsterdam, Netherlands Tel: +31 20 621 22 23 www.efma.com/AmsterdamRenaissance LANGUAGES 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. Rooms have been provisionally

blocked for the nights of Sunday 25 and Monday 26 October 2015 at the Renaissance Amsterdam hotel. The cost of a single room per night is € 199 and € 219 for a double room (including breakfast, internet connection and VAT, but excluding city tax).

An automatic confirmation will be sent by email within 24 hours after your registration.

In this email you will find a link to book your accommodation online. The hotel guarantees room availability and price until 13 September 2015. The hotel will automatically bill unoccupied rooms or late cancellations.

If you look for more affordable accommodation, we suggest the following hotels: - Park Plaza Victoria Amsterdam 4* - Crowne Plaza Amsterdam City Center 4* - ibis styles Amsterdam Central Station 3*

REGISTRATION The registration fee covers participation in the Summit, 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 Monday 12 October 2015. 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 Step 1: Please register for the event 1,600 for Efma Members and Associate Members € € 1,800 for representatives of Efma Business Partners € 2,400 for representatives of non-member institutions

Step 2: Choose one of the on-site visits: ABN Amro Innovation Lab (closed registrations) B-Amsterdam start-up community Deloitte’s Innovative building the Edge

VAT not applicable. All registrations are strictly individual.

PAYMENT By bank transfer to Efma Sarl bank account IBAN: FR 76 1027 8060 4700 0208 2420 111 BIC: CMCIFR2A Crédit Mutuel CCM PARIS 17 ETOILE, 30 Avenue Niel, F- 75017 Paris By credit card: MasterCard Visa American Express

Card n° Expiry date DATE

SIGNATURE

Please send this registration form by email at registration@efma.com or fax +33 1 47 42 56 76

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.