DISTRIBUTION SUMMIT
Unleashing the potential of distribution 13-15 APRIL 2016 LONDON #EfmaDS16
I
nternational senior executives and experts from outside of the industry will get together in London to discuss the major threats and opportunities of today. This Efma flagship event will now handle all topics directly or indirectly related to distribution: istribution of tomorrow D ew distribution models N Digital distribution strategies Reinventing physical channels Mobile and Internet channels Customer experience Customer Contact Centre
WHY SHOULD YOU ATTEND THIS EVENT? Mix and match parallel sessions to gain the
insights and inspiration you need
Nathan Bostock CEO Santander UK
Eurico Ramos Fabri Executive Director Banco Bradesco Brazil
Ray Ehscheid Store Design & Merchandising Executive Bank of America USA
Ollie Purdue CEO Loot Bank UK
Brett King CEO & Founder Moven USA
Learn from enriching workshops, intense
debates, Fintech presentations, etc. Be part of an engaged community of top senior
executives involved in all topics related to distribution , directly or indirectly
Michał Panowicz SVP & Deputy Head of Digital Banking Nordea Bank Denmark
Małgorzata Szturmowicz
FINTECH AWARDS CEREMONY During the second day of the Summit, access the newest Fintech solutions, award the best fintech companies and network in a relaxed environment.
Board Member, Chief Financial Officer Idea Bank Poland
Pepper The Robot Mizuho Bank
Japan
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Also taking the floor
Michael Dooijes Executive Director Head of Ventures & Innovation
Jessica Niewierra Director Digital Development & Interaction
Rabobank Netherlands
ABN AMRO Bank Netherlands
Gabriel McIntyre Professor / Game Designer The Game Beyond USA
ValĂŠrie Eymard Deputy Head of International Retail Banking BNP Paribas France
Aditya Menon Managing Director Citigroup India
Harriet Thornhill VP, Advice Center & Direct Investing Contact Centre RBC Contact Centre Canada
Stefano Barrese Head of Banca dei Territori Division Intesa Sanpaolo Italy
Aysenur Hickiran EVP, Payment Systems & Remote Channels DenizBank Turkey
Jacek Iljin Managing Director Retail Banking Sales & Processes mBank Poland Andres Wolberg-Stok Global Head of Emerging Platforms & Services Citibank USA
Chris Skinner Chairman The Financial Services Club UK
Kazuya Sakakibara General Manager Product Development Division Jibun Bank Japan
Ann-Marie Stagg Chief Executive Call Centre Management Association UK
Heather Mustafa Employee Excellence Manager Nationwide Building Society UK
David Schick EVP, Group Strategy & Transformation Maybank Berhad Malaysia
Josephine Baliah-Coelho Head of Commercialisation Nedbank Group South Africa
Michael Maier Chief Operating Officer Fidor Bank Germany
Vladimir Urbanskiy Head of E-Business Alfa Bank Russia
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DISTRIBUTION SUMMIT
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Benefit from high quality exchanges & interactive debates
1
DEBATE OF THE CENTURY: THE REVENGE
Jump in the Big Debate on the best structure for tomorrow’s digital bank between Brett King founder of Moven, Michal Panowicz, SVP, Deputy Head of Digital Banking at Nordea Bank and Chris Skinner, Chairman at The Financial Services Club and discover how banks plan to respond to a definite change in the marketplace.
3
COCKTAIL & GALA DINNER
Network in an informal and relaxed atmosphere during the cocktail reception and gala dinner after the second day's intense sessions.
2
WORKSHOP SESSIONS
Delve into in-depth case studies in small groups and actively engage in the different exercises proposed by the industry experts. For sure, you will learn the greatest innovations or solutions to implement within your institution.
| OVERVIEW
DISTRIBUTION SUMMIT
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Access the newest Fintech & technology solutions
1
FINTECH SESSIONS
Explore the latest and greatest innovations from Fintech companies. Meet them afterwards on their stands to better understand the best technology trends, tips and know-how to grow your business.
3
2
FINTECH VILLAGE
In just ten minutes, each of the startup and fintech companies present their latest and greatest innovations. Meet them afterwards on their stands to find out more.
FINTECH AWARDS CEREMONY
Take the chance to discover the best Fintech companies to partner with. This initiative is being brought by Efma, Microsoft and Avanade. Efma will officially launch the Fintech Portal on 14th April during this ceremony; it will be a repository of leading Fintech solutions and services that retail financial services organisations will be able to search. What’s more, it will act as a forum for networking and collaboration, as the financial institutions will be able to contact Fintech leaders with requests (questions, RFI, RFP ...) and receive replies via the portal. The associated Fintech Awards will highlight the best-in-class Fintech solutions, chosen by a panel of recognised experts. The winners will be announced at the Awards Ceremony in the afternoon of the second day of the Distribution Summit.
| OVERVIEW
DISTRIBUTION SUMMIT
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Be part of an inspiring networking community
1
2
DISTRIBUTION SUMMIT 2015
VERY INTERESTING PRESENTATIONS AND WORKSHOPS René de Zoete, Rabobank, Executive Vice President
60 300
ATTENDEES
INTERESTING AND INSPIRING, MANY GREAT IDEAS PRESENTED. ALSO CONFIRMATION WE ARE ON TRACK Gitte Sundqvist, Swedbank, Head of Brand Identity, Strategic Marketing and Branding
SPEAKERS
70%
80%
TOP SENIORS
FINANCIAL INSTITUTIONS
WELL ORGANISED , GOOD TOPICS Eddie Humphreys , AIB Bank, Head of Mortgage Product Reinvention GOOD PRESENTATIONS, GREAT CONTENT Stefan Winkler, Raiffeisen Bank Intl. Head of Sales and Distribution
94% 45 COUNTRIES
OF THE RESPONDENTS FROM LAST YEAR’S EVENT RECOMMEND THIS EVENT TO A COLLEAGUE
2015 Distribution Summit Flickr photo gallery
2015 Efma Distribution Summit highlights video
WHAT DELEGATES SAID?
THERE IS MORE SHARING OF DISTRIBUTION IDEAS BETWEEN BANKERS THAN AT ANY OTHER FINANCIAL SERVICES CONFERENCE Jim Marous, The Financial Brand , Owner and Publisher of Digital Banking Report; CoPublisher
CLICK ON THE ICONS TO SEE WHAT HAPPENED LAST YEAR
@Efma_news #EfmaDS15
| SCHEDULE
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13-15 April 2016 WEDNESDAY 13 APRIL 2016
8.30
OPENING AND ICE BREAKING SESSION
9.00
Turning threats into opportunities: Distribution strategies, economic contexte
11.15
The future shape of retail banking
PLENARY SESSION 1 PLENARY SESSION 2
13.00 Lunch 14.30
INTERNET & MOBILE CHANNELS
PHYSICAL CHANNELS
CUSTOMER CONTACT CENTRE
16.45
INTERNET & MOBILE CHANNELS
PHYSICAL CHANNELS
CUSTOMER CONTACT CENTRE
18.30 Cocktail THURSDAY 14 APRIL 2016 PLENARY SESSION
8.30
For a real opti-channel distribution
10.15
OMNI CHANNEL
GAMIFICATION
DESIGN THINKING
11.05
BLOCKCHAIN
CUSTOMER EXPERIENCE
DISCOVER YOUR PATH TO THE DIGITAL FUTURE
12.15 Lunch 13.25
FINTECH AWARDS CEREMONY
15.30
FINTECH CONFERENCE
19.10 Cocktail FRIDAY 15 APRIL 2016
9.00
INTERNET & MOBILE CHANNELS
PHYSICAL CHANNELS
DISTRIBUTION TOMORROW
11.15
INTERNET & MOBILE CHANNELS
PHYSICAL CHANNELS
DISTRIBUTION TOMORROW
13.00 Lunch PLENARY SESSION
14.00
New business models, new revenue streams, partnership, IoT, wearables
16.15
CLOSING PLENARY SESSION
17.30 End of the conference
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Wednesday 13 April 2016 8.00
Welcome coffee and registration
8.30
OPENING AND ICE BREAKING SESSION
9.00
PLENARY SESSION 1
Turning threats into opportunities: distribution strategies, economic context
A new distribution model for retail banking in 2020 Nathan Bostock CEO Santander UK
A new distribution model for SME banking ustomer needs: key point of innovation strategy C Bringing banking into the digital age: technology trap How to use innovation to onboard and retain business customers Idea Hub: a new branch model Building a community of entrepreneurs: crucial customer loyalty element Małgorzata Szturmowicz Board Member Idea Bank Poland
A roadmap in banking disruption ow to deal with the Fintech startup eco-system H Are banks obsolete? Where are the opportunities for banks in today’s fast moving Fintech space? Fintech 2.0: it’s all about collaboration Michael Dooijes Executive Director, Head of Ventures & Innovation Rabobank Netherlands 30’ Q&A 10.45 11.15
Coffee break and networking PLENARY SESSION 2
The future shape of retail banking
The relation bank-fintech seen by a young startup Loot Bank is a smart-money management app for students Ollie Purdue CEO Loot Bank UK
Augmented age: disrupting experience and advice hat we can learn from 250 years of technology and industry disruption? W How customer behaviour is changing more rapidly than ever before What IBM Watson’s success in cancer research tells us about the future of investment advice How social media, notifications and messaging are changing the context of advice The future history of advisory business: 5, 10 & 15 years ahead Brett King CEO & Founder Moven USA PANEL DISCUSSION
Debate of the century on Retail Banking: the revenge Brett King Moven | Michał Panowicz Nordea Bank | Chris Skinner The Financial Services Club Lunch 13.00
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#EfmaDS16 Wednesday 13 April 2016 INTERNET & MOBILE CHANNELS
14.30
How to implement a mobile first strategy in a universal bank Tomasz Niewiedział Head of Multichannel Bank Zachodni WBK Pol
15.05
Banking or FinTech? Michael Maier Chief Operating Officer Fidor Bank Germany
15.40
Next Best Action to grow profitability and NPS of Digital banks – case studies Violetta Senda, European Digital Strategy and Digital Banking Lead Avanade UK
PHYSICAL CHANNELS
Building the millennial branch David Horton Head of Innovation for Middle East Synechron Technologies UK
Getting in touch: is a new paradigm possible?
CUSTOMER CONTACT CENTRE
Changing landscape in Contact Centres- alignment on customer’s new expectations Ann-Marie Stagg Chief Executive Call Centre Management Association UK
Service efficiency of call centres
Giovanni Rossi Director of Branch Network CheBanca! Italy
Aysenur Hickiran EVP, Payment Systems & Remote Channels DenizBank Turkey
Welcome home to our branch: a new branch concept
Transform from a contact centre to an advice centre
Vlastimil Nigrin Deputy General Manager Hypoteční banka Czech Republic
Cathy Honor SVP, RBC Global Contact Centres RBC Contact Centre Canada
16.15 Coffee break and networking INTERNET & MOBILE CHANNELS
16.45
Co-operation with non-banks for new business models and for digitisation of financial services Alessandro Colafranceschi Head of Digital Banking PBB Standard Bank South Africa
17.20
Study presentation: Why and how? Roadmap towards a digital banking ecosystem
PHYSICAL CHANNELS
Desjardins 360d: an innovative model for a new generation Nancy Scott Responsable du développement du Grand Montréal Desjardins Canada
Lean transformation programme across Akbank’s branch network Erkut Baloglu SVP Quality & Process Management Akbank Turkey
Bill Sullivan Head Of Global Financial Services Market Intelligence Capgemini USA
17.55
Addressing the digital banking transformation imperative Pedro Sousa Cardoso Head Multichannel & CRM Emirates NBD United Arab Emirates
18.30 Cocktail 19.30 End of the conference day 1
CUSTOMER CONTACT CENTRE
Significant, relevant, on-time: how we create value in direct marketing campaigns Sylwia Kulesza Deputy Director of Direct Channels Sales & Service Department mBank Poland
How can face-to-face video banking enable a more efficient digital transformation?
Sam Waicberg Senior Vice President of Marketing and Business Development Vidyo USA Simon Separghan Director SkyBranch PCB, Barclays Plc UK
The robot “Pepper” : fusing emotional humanoids and traditional banking in branches
Customer CPR: fixing simple service mistakes that are losing thousands of customers
Masato Kaneda General Manager Mizuho Bank Japan
Nigel Clarke Founder PleasePress1.com UK
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Thursday 14 April 2016 8.00
Welcome coffee and registration
8.30
PLENARY SESSION 1
For a real opti-channel distribution
The new branch in an omnichannel environment: a place to give a voice and extended solutions to our local communities Antonio GermogliĂŠ Head of Planning and Control Department and responsible for our New Branch Program Intesa Sanpaolo Italy
Convergence of distribution channels: beyond the frontiers Jacek Iljin Managing Director, Retail Banking Sales & Processes mBank Poland Marcin Konkel Head of Investment Products, Deputy Director mBank Poland
20’ Q&A 9.45 10.15
Coffee break and networking
Omnichannel
Gamification
Teresa Siopa
Gabriel McIntyre
Activo Bank
The Game Beyond
Study presentation: Discover your path to the digital future
Aubrey Hawes Oracle Corporation
11.05
Study presentation: Blockchain
Study presentation: Customer Experience
Design Thinking
Vladimir Urbanskiy Matthew Van Niekerk
Marco Brandirali
KBC Securities
E&Y
Alfa Bank Russia
12.15 Lunch GET YOUR PREMIUM PASS NOW! Enjoy free access to all 2016 Efma conferences www.efma.com/premiumpass
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Thursday 14 April 2016 FINTECH AWARDS CEREMONY
13.25
The Fintech Awards Ceremony will highlight the best-in-class fintech solutions and celebrate the winners, chosen by a panel of recognised experts, in 6 categories: 1. Business Banking
3. Insurance
5. Jury special award
2. Distribution & Marketing
4. PFM & Payments & Wallets
6. Efma special award
13.30 Opening and introduction 13.50 Business Banking Award
Distribution and Marketing Award Insurance Award Entertainment PFM & Payments & Wallets Award 14.45 Jury Special Award 14.55 Efma Special Award 15.05 Wrap-up and closing of the Fintech Awards Ceremony 14.00 14.10 14.20 14.35
15.10
Coffee break and networking FINTECH CONFERENCE
15.30
7 Fintech companies will present their latest and greatest innovations Fintech comapnies presenting their solutions: Frosmo, Strands, Lionsbridge, Infosistema, Meetinvest, Misys and Objectway
16.30
Best of both worlds: combining the strengths of Fintech and banks for the customer’s benefit F intech is one of the world’s most heavily funded innovation domains: $20B in venture capital over the last five years A dialectic always makes for a good story: who will prevail, us or them? Banks need what Fintech companies bring to the table (agile mindset, reinvented customer experiences, digital savvy)… and Fintechs need what banks have (scale, security, data, processes) Hear Citi explain how their new unit, Citi FinTech, is out to bridge both worlds into a Bank of Tomorrow for the benefit of the bank’s customers Andres Wolberg-Stok Global Head of Emerging Platforms & Services Citibank USA
Study presentation: Fintech & banking: Collaboration for disruption Juan Rufat Banking Sector Partner AXIS Corporate Spain
Where should parties partner and where not?
Radboud Vlaar Founding Partner Orange Growth Capital Netherlands
18.10
Cocktail and networking
20.30 End of day 2 GET YOUR PREMIUM PASS NOW! Enjoy free access to all 2016 Efma conferences www.efma.com/premiumpass
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Friday 15 April 2016 8.15 Welcome coffee and registration INTERNET & MOBILE CHANNELS
9.00
Contextual banking: responding to changing customer behaviour Jessica Niewierra Director Digital Development & Interaction, ABN AMRO Bank Netherlands
9.35 New Best Offer: An omnichannel
approach to customers
Teresa Siopa Head of Digital, Acquisition Channels ActivoBank Portugal
10.10
Roundtable discussion:
PHYSICAL CHANNELS
DISTRIBUTION TOMORROW
Branches and Digital Channels – a necessary and complementary coexistence
Branch Transformation: Store design and merchandising applied to branches
New digital distribution models in BNPP Group entities: from omnichannel to branchless banking?
Ray Ehscheid SVP Store Design, Merchandising Executive Bank of America USA
Valérie Eymard Deputy Head of IRB BNP Paribas France
The human factors of branch automation
To reach the unreachable Irianto Sunardi Senior Executive Vice President, Head of Transformation Bank Rakyat Indonesia Indonesia
Coffee break and networking INTERNET & MOBILE CHANNELS
11.15
The path to digital transformation for large organisations
PHYSICAL CHANNELS
DISTRIBUTION TOMORROW
Engaging for success in a digital world
Yellowday: a Customer Experience & Loyalty platform through rewards and gamification
Heather Mustafa Employee Excellence Manager Nationwide Building Society UK
Loukas Petrounias Head of CX & Loyalty Piraeus Bank Greece
bank
Branch transformation and operational excellence (OE)
Largest retail banks want to become Amazon of Kazakhstan
Kazuya Sakakibara General Manager Product Development Division Jibun Bank Japan
David Schick EVP, Group Strategy & Transformation Maybank Berhad Malaysia
Mikhail Lomtadze Chairman of the Management Board Kaspi Bank Kazakhstan
Michał Panowicz SVP, Deputy Head of Digital Banking Nordea Bank Denmark
12.05 Challenge of mobile centric
13.00
Deniz Güven SVP, Digital Channels Turkiye Garanti Bankasi Turkey
Eurico Ramos Fabri Executive Director Banco Bradesco Brazil
Carl Hynes Head of Strategic Planning & Development Barclays Bank UK
10.45
The consumer with no cash
Lunch
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Friday 15 April 2016 14.00
CLOSING PLENARY
New business models, new revenue streams, partnership, IoT, wearables
Chris Skinner Chairman The Financial Services Club UK
Big data…so what? Customer data monetisation arnessing the power of big data is not coming, its already here (and has been for ages) H Financial institutions sit on massive amounts of information Introducing market edge: building and selling a big data tool for competitive advantage Lessons learnt, changing lanes and thinking differently Building the ecosystem, around the data that sets you apart Josephine Baliah-Coelho Head of Commercialisation Nedbank Group South Africa
Best speaker at Marketing Summit 2015
Value added banking services and the digital ecosystem ow banks, Fintechs and traditional digital players will need to interact to drive value for consumers H The role of disruption in accelerating this mind-shift and articulate how open banking and API will fuel both internal and market acceleration An examination of a few value chains such as the purchase value chain How disruptors have used acquisitions to aggressively fund their foray into adjacent territories Aditya Menon Managing Director Citigroup India 15.45
Coffee break and networking
16.15 CLOSING PLENARY
Santander´s journey to build the Bank of the Future Embracing the new principles of banking T he key pillars Santander has in place to build the future bank Rodrigo Kuri Salas Managing Director Bank of the Future Santander Spain
Crowdfunding: after the hype what’s in it for banks? How are banks responding to the phenomenon? • We will examine: growth by type of crowdfunding • What are the typical motivations that drive banks response to crowdfunding? • a model to evaluate which response is suitable for different banks What opportunities does crowdfunding present for banks? • Opportunities for building deeper relationships with businesses at an earlier stage • A new revenue stream What risks are involved? Matthew Van Niekerk Head of Platform Innovation & Development Bolero KBC Securities Belgium 17.30
End of The Distribution Summit
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| REGISTRATION FORM
DISTRIBUTION SUMMIT
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13-15 April 2016 - Grange Tower Bridge Hotel ATTENDEE’S INFORMATION Mrs.
Ms
Mr. / First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Job title . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . VAT ID number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Twitter account @ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Assistant’s information (or person in charge of the registration) First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRACTICAL INFORMATION DATES The Distribution Summit will begin with a welcome coffee on Wednesday 13 April at 8.15 and will end on Friday 15 April 2016 around 18.00. LOCATION Grange Tower Bridge Hotel 45 Prescot Street London E1 8GP, United Kingdom www.grangehotels.com/hotels-london/grangetower-bridge 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 the 12,13
and 14 April 2016 at the Grange Tower Bridge hotel. The cost of a single room per night is GBP 194 (breakfast included). An automatic confirmation will be sent by email within 24 hours of your registration. In this email you will find a link to reserve your accommodation online. The hotel guarantees room availability and price until Sunday 13 March 2016. The hotel will automatically bill unoccupied rooms or late cancellations. REGISTRATION The registration fee covers participation in the Distribution 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 Wednesday 30 March 2016. 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. LANGUAGES All sessions will be held in English.
REGISTRATION FEE
Step 1: Please register for 1,2 or 3 days Efma Premium Pass holder Efma member & associate member Efma non-member
One day € 0 € 800 € 1,200
Two days
Three days
€ 0 € 1,600 € 2,400
€ 0 € 2,400 € 3,600
Step 2: Please specify the conference day(s) you would like to attend
VAT not applicable. All registrations are strictly individual.
13 April 2016 14 April 2016 Fintech Awards - 14 April afternoon (free of charge) 15 April 2016
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: O MasterCard O Visa O American Express
Card n° Expiry date DATE
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Please send this registration form by email at registration@efma.com or fax +33 147 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.