OPEN BANKING EXPO
HEADLINE PARTNER
27 NOVEMBER 2018 AMERICA SQUARE CONFERENCE CENTRE LONDON
EVENT GUIDE THE UK’S LARGEST MARKETPLACE FOR IDEAS,CONNECTIONS AND DEALS IN OPEN BANKING
openbankingexpo.com #obexpo @OpenBankingExpo WIFI username: America Square Conference WIFI password: AMSQ12345
LAUNCH PARTNERS
OPEN BANKING EXPO
W E L C O M E Adam Cox Co-founder & Managing Director Open Banking Expo
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here is, to put it mildly, no shortage of issues to discuss in the road to developing a new banking framework following the second Payments Services Directive (PSD2), which came into force on 13 January this year. As such, I am proud to welcome you to the Open Banking Expo. The Expo programme reflects the enormous changes taking place across the industry, and features a significant cross-section of attendees who are all at different stages of the disruption cycle Open Banking presents. The Open Banking Expo team is delighted to bring you a full agenda today, and our thanks go out to the 35+ speakers who have invested their time to share with you their knowledge, experience and advice. Today’s programme offers engaging panels, not-to-be-missed interviews, the first Open Banking case studies and incisive roundtable debates. Take a look from page 15 to plan your day effectively. The Open Banking revolution will indeed create a healthy dose of competition within the financial services landscape. However, we wanted to delve deeper than revenue stream generation and API development within the agenda. Harnessing Open Banking to ensure the best possible outcome for the consumer, especially helping the most vulnerable in society, is a key theme today.
I would like to offer sincere thanks to OpenWrks, our headline partner, and our launch partners Cifas and TransUnion, who took a leap of faith with us and brought Open Banking Expo to market. You can find out about them by visiting their exhibition stands in the Cornhill during the breaks. Thanks also to all of our event partners in the exhibition hall today, please spend some time to find out how they can help you on your Open Banking journey. It isn’t all about content today; it is also about making connections, deals and sharing ideas. It isn’t too late to download the Brella networking app, an intuitive platform that will match you with relevant contacts. You can invite your matches to meet with you; and the Aldgate Suite is at your disposal to accommodate your 121s. Between us we hold the key to unlocking mass consumer adoption, and we look forward to tackling the challenges we, as an industry, face in achieving this vital ingredient to the success of Open Banking. Please enjoy the day, and drop hello@openbankingexpo.com a line with any feedback on how we can make your event even better for next year.
C O N T E N T S Welcome
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News
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Agenda
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Floorplan
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Speaker Directory A-Z
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Partner Directory A-Z
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OPEN BANKING EXPO IDEAS, CONNECTIONS AND DEALS IN OPEN BANKING Issue 1_January 2019 OPENBANKINGEXPO.COM
THE BANKING FUTURE IS HERE PAGE
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T H E B IG R E V E A L High street bank launches ground-breaking app O PEN B A N K IN G IN N U M B E R S The latest adoption stats from OBIE R ETA IL FO C U S Sector ripe for Open Banking adoption ANNE BODEN Starling Bank’s trailblazer has the Last Word
LAUNCHING 2019 OPEN BANKING EXPO MAGAZINE T H E O N LY D E D I C AT E D O P E N B A N K I N G M A G A Z I N E
FEATURES • OPINIONS • INSIGHT • DEALS • NEWS • • REGULATORY UPDATES• PIONEER INTERVIEWS To request your free copy go to www.openbankingexpo.com/signup For advertising enquiries call 020 7993 5159 email hello@openbankingexpo.com OPENBANKINGEXPO.COM
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Open Banking is about creating better lives, not technology According to CEO of our headline partner, OpenWrks
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Open Banking Expo Magazine The UK’s dedicated Open Banking magazine to launch in Q1 2019
t’s been almost a year since OpenWrks became a registered AISP and took our step into the Open Banking ecosystem. That first step has turned to leaps and those leaps into bounds as we fulfil our mission to make Open Banking work; for the clients who use our technology but most importantly for the people whose lives are enriched through the products our technology powers. Now with 76 registered and authorised businesses in the Open Banking directory, the innovation, collaboration and progression demonstrated by that group alone is a reason we should all be optimistic for the future. Every player in the Open Banking ecosystem, from Fintech, to Bank to Regulator are in a privileged position to be arbiters of a more inclusive, more personalised and more customer oriented financial services market. The challenge sits with every one of us to deliver on what Open Banking promises. Not just for commercial gain, but to deliver a wide-reaching and significant social benefit for this country and the world. We have the opportunity to make money an enabler to a better life for everyone, whether that’s through better budgeting, saving and investing, a clearer picture of affordability, access to appropriate finance or faster and more personalised debt advice. The power to build this reality sits with all of us and the opportunity to create a legacy that we can all, as an industry and as individuals, be proud of. Olly Betts, Chief Executive Officer, OpenWrks
September key performance metrics How the account providers’ Open Banking APIs performed in September 2018
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pen Banking Expo is to publish its first issue in Q1 2019. The magazine will be the only dedicated title for Open Banking news with focus on high-quality editorial, expert commentary and deep analysis of industry trends. Packed with news, features, opinion and analysis, Open Banking Expo Magazine will keep readers fully briefed on all the latest information from the industry, including major product launches and partnerships, global opportunities and regulatory updates. The editorial team will produce various supplements, sector reports and special focus features. Each feature will concentrate on important topics within the industry, from international matters to consumer adoption levels. Co-founder of Open Banking Expo, Kelly Stanley said: “We are excited to launch a print magazine. It is our aim to facilitate a global community of Open Banking professionals. The Expo may be one day in the calendar, but the magazine will offer year-round content to keep the conversation going, and ultimately work together with the industry OPEN to enhance consumer BANKING EXPO adoption of Open Banking.” IDEAS, CONNECTIONS AND DEALS IN OPEN BANKING Issue 1_January 2019
OPENBANKINGEXPO.COM
It is free to subscribe to the magazine, simply email hello@openbankingexpo. com to request a copy. For advertising opportunities contact Adam Cox on 020 7993 5159.
96.27% Average API availability
OPEN BANKING EXPO
THE BANKING FUTURE IS HERE PAGE
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T H E B IG R E V E A L High street bank launches ground-breaking app OP E N B A N K IN G IN N U MB E R S The latest adoption stats from OBIE R E TA IL F OC U S Sector ripe for Open Banking adoption A N N E B OD E N Starling Bank’s trailblazer has the Last Word
6.53m
1636
milliseconds Average API response time
Successful API calls (actual)
1.43% Failed API calls
Source: Open Banking
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Leaders in fraud prevention
cifas.org.uk
Search and identify fraud and risk through Cifas’ real-time databases. Share intelligence and data with hundreds of organisations from across the public and private sectors. Safeguard employees, customers and clients against internal and external threats. Cifas is a not-for-profit member association that protects over 500 organisations from across the sectors from fraud and financial crime. Our members reported combined savings of over £1billion in prevented fraud losses in 2017. ‘First and foremost, the biggest benefit to me is the benefit to my bottom line – being a member of Cifas delivers savings. I also get the opportunity to meet with colleagues across other industries and share intelligence that really helps our customers.’ Alistair Urquhart, Head of Fraud and IT Security, Telefonica UK
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OPEN BANKING EXPO
Time running out for exemption applications The UK regulator has urged banks to get applications in early
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inancial groups have until 14 June 2019 to apply to the UK regulator for an exemption, so they don’t have to provide third parties accessing their data with a back-up service if their systems fail. Under the second Payment Services Directive (PSD2), which came into force on 13 January 2018, account information service providers (AISPs) and payment initiation service providers (PISPs) are entitled to access the client data of third parties so long as they have customer permission. Account servicing payment service providers – or ASPSPs – are obliged to give them access to this data through the same interfaces as their customers, or through new dedicated interfaces. They also need to build a backup option in case their systems go down to ensure data access is uninterrupted. However, firms do not need to do this, if they register with the FCA. They may apply if the cost for providing the backup is deemed exorbitant because of multiple interfaces for each brand, for instance. But, in its “Approach to final Regulatory Technical Standards” consultation paper (CP18/25), the regulator warned firms that they need to consider what they would do should their request for an exemption be refused by the watchdog. “Those seeking to be exempt by 14 September 2019 should consider how long they might need to develop a contingency mechanism in the event that an exemption request is rejected.” The regulator underscored the hard deadline of 14 June 2019, saying it is aiming to take “ no more than one calendar month to assess an exemption request.” It added: “Should a request be unsuccessful, the ASPSP would then have two months to develop a contingency mechanism. We encourage firms to contact us well before submitting the exemption request in order to minimise the chances of it being unsuccessful.” Earlier in the year, Karina McTeague, director
of Retail Banking at the FCA, said the initial PSD2 implementation date of January 2018, was just part of a much bigger plan. She said: “From a regulatory perspective, we regard 13 January as simply a key milestone in a longer-term/bigger picture plan. 13 January was never going to be the start of a revolution; it was never going to be a big bang. “Using an API reduces the potential harm from cyber-attacks because there is no need for the third-party providers to use or retain customers’ credentials. “From a consumer protection and market integrity perspective, we have a real interest in the Open Banking Implementation Entity’s successful delivery of the CMA’s Open Banking API requirements and wider adoption of APIs by the industry.”
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Global pace of adoption quickens Different Open Banking approaches are being trialled in Brazil, Canada and New Zealand
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he global pace of Open Banking adoption accelerated at pace during 2018 with new initiatives announced in the Americas, Australasia, Asia and Europe. Most recently, in September, the Canadian government announced it had established an advisory committee to weigh up the benefits of Open Banking as part of its 2018 Federal Budget. The committee members working on the Canadian Open Banking approach were announced as TD Bank’s Colleen Johnston, Dentons’ Kirsten Thomson, fintech venture capitalist François Lafortune and Ilse Treurnicht, the former chief executive of Toronto’s MaRS Innovation Hub. A month earlier, the Reserve Bank of New Zealand confirmed that it was looking more closely at its approach to Open Banking following trials that Payments NZ hopes will lead to a set of common standards on the sharing of customer data. While the Reserve Bank outlined some of the advantages of Open Banking in its announcement, it also cautioned on risks that may surface as a result.
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It said: “Some risks are likely to be temporary, as the financial system adapts to the new entrants. For example, greater competition could weaken the profitability of banks that are slow to adapt to the changing financial system landscape. “Other risks are likely to be longer lasting. Increasing the number of firms that handle sensitive customer data may increase the risk of data mishandling. Customers may also hold banks responsible if their data are compromised, even if customers approved the sharing of their data, creating reputational risk for banks.” The New Zealand central bank suggested that Open Banking could potentially make it easier for a run on a bank, given the ease with which customers can withdraw cash. “Open Banking could also increase banks’ liquidity risk, by making it easier to move deposits between banks,” it said. “Creating more ways for customers to access banking services could make it more difficult to monitor for money laundering.” In July, reports started to emerge that Brazilian banks had started testing Open Banking technology with Banco Original and Banco do Brasil among those said to be trialling APIs for third party developers. The many different approaches being adopted by international banks and regulators were welcomed by industry figures in Europe. In July, Open Banking Expo reported that industry executives were largely unconcerned that approaches have differed by jurisdiction and geography, saying that a developed domestic ecosystem would be easy to adapt internationally later on. Fiserv’s vice president of Product and Marketing, Nick White likened the development to that of mobile networks with companies establishing national services before making international roaming agreements at a later date. “It is natural to get your national standard sorted,” he said. “If you think about how any major paradigm shift happens, this is quite normal.”
OPEN BANKING EXPO
Open Banking to catalyse M&A activity in months ahead Deal activity will be driven by a need to improve customer propositions
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pen Banking, specifically resulting behaviours from the European Payment Services Directive 2 (PSD2), will drive financial mergers and acquisitions in the coming years, according to a new report. In its November report entitled “Banking M&A on course for a comeback” UK law firm White & Case noted that the value of M&A deals in the first three quarters of 2018 was up by a quarter on the same period in 2017. While some of the future global banking M&A activity was predicting to be stimulated by rolling back of parts of the Dodd Frank Act in the US, European M&A is predicting to be driven by a growing number of challengers and bank-driven investments in fintech innovators. “Across Europe, PSD2, which entered into law at the beginning of 2018, is another potential M&A driver,” wrote report authors Patrick Sarch and Kevin Petrasic. “To date, mainstream banks have been able to defend and grow their market share by offering conventional products.” Sarch and Petrasic cited the acquisition of budget-management fintech Spiir by Danske Bank, as example of the sort of deal that is likely to become more prevalent in the future. “The new Open Banking environment is piling pressure on incumbents to innovate in order to keep up,” the report authors explained. “Some of this will come from internal R&D, but some banks prefer to partner with, or acquire, fintech
firms in order to gain swift access to technology and talent.” The M&A buzz isn’t purely limited to banks either. Separate research conducted by M&A firm Livingstone in October noted that nonbank specialist lenders were responsible for 19 of the 34 deals in the UK specialist finance sector over the previous 12 months. Despite the widespread optimism, the Financial Times-owned magazine The Banker sounded a note of caution in August. Editor Brian Caplen noted that while some European bank CEOs have indeed expressed interest in ramping up M&A activity, the reality of high solvency requirements and complex national rulesets may act as a barrier. Instead, he suggested that fintechs and banks may be better served by pulling services together instead of having to have a physical presence in each of the countries in which they operate. Speaking to Open Banking Expo, Graham Spooner, an investment research analyst at The Share Centre, said larger banking groups are waking up the challenge being thrown down by challengers and are drawing up plans to plug the gaps accordingly. “Expect to see more sector consolidation,” he said. “Ultimately, the big established names are not going to go away. They might disappear from the high street, but they are not going to let the challengers run riot and take business away from them.”
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Starling announces Post Office tie up The bank’s customers will be able to make counter deposits and withdrawals
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tarling Bank – the self-styled mobile only bank – is to offer business and current account customers over-the-counter banking services through the Post Office’s branch network. Earlier this month, the bank announced that it was to make branch-based banking services available at the Post Office’s 11,500 UK branches, meaning its customers will now be able to withdraw and deposit cash over the counter. Anne Boden, chief executive officer at
Starling Bank, said the bank was responding to the ongoing branch closure programme by rival backs which has left many people without banking counter services. She said: “There are now over 1,500 communities in the UK with no bank branch, so by combining Starling’s cutting-edge digital banking technology with the unique reach of Post Office branches, we can bring simple and affordable banking back to these Bank Branch Deserts.” The Post Office now has 28 banking partners, for which it provides over-thecounter financial services. Boden said she established Starling with the mission to improve consumers’ financial health and make banking about the customer again. Martin Kearsley, Banking Services director at the Post Office, added: “With 99.7 per cent of people in the UK living within just three miles of a Post Office, we are uniquely placed to bring vital services to local communities right across the country.”
Financial leaders say apathetic consumers will change Executives say that innovations will take time to catch up
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ndustry figures took to social media earlier in November after another survey of Open Banking take-up rates suggested low numbers of consumers had embraced the revolution. The Independent cited survey data from digital platform design agency Splendid Unlimited, which claimed that just nine per cent of Britons had used Open Banking services with 80 per cent those surveyed having no idea what Open Banking entails. In a post on social media site LinkedIn following the publication of the survey data, Megan Caywood, chief platform officer at Starling Bank, said the results probably boil
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down to a lack of understanding. “It’s premature to accuse customers of not being interested in a service because they aren’t using it,” she said. “The beauty of Open Banking is that the APIs are manifested so third parties can build cool new services on top of them, but building cool new services (and getting the regulatory permission to do so) takes time,” she added. Stefano Vaccino, founder of Yapily, agreed, saying more time was needed before making a judgement on consumers’ views towards Open Banking. “Open Banking could be the biggest revolution for retail Banking in a generation, it is naive to
OPEN BANKING EXPO
Nationwide launches £3m Open Banking challenge UK-based mutual hopes its new programme will have a social impact
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ationwide Building Society launched a £3m competition in October to encourage fintech organisations and academics to develop new Open Banking apps to help those in financial difficulty. The fund will be used to back the mutual’s Open Banking for Good challenge, which aims to improve the financial wellbeing of individuals, particularly the most financially vulnerable in society. In a statement launching the programme, Joe Garner, chief executive of Nationwide, said the business believed in the “power of collaboration” and the potential to achieve more together. He said: “We believe Open Banking presents a huge opportunity to help everybody with their money - not just the affluent or technically literate. We’re looking for innovators to come forward with ideas to help people living on a financial knife edge – with little by way of
savings or relying heavily on credit. “If entrepreneurs, innovators, charities and financial services work together, we could make a huge positive impact - and that’s what this is all about.” The mutual said that its programme places a premium on innovators being challenged to use Open Banking for social good, as well as financial good, and for the benefit of everyday people, not just Nationwide members. The Nationwide programme was endorsed by government minister Oliver Dowden, who said that creating a fairer society was “at the heart” of government policy.
assume it can happen overnight,” he said. “Keep in mind most basic APIs became available only in the summer (after 5 months of managed roll out) and their adoption will take time for various reasons.” Despite the industry support, it isn’t the first time that survey data has suggested a lack of consumer interest in Open Banking. In August, research agency YouGov said published researching which suggested that the number of UK adults unaware of the term Open Banking was as high as 72 per cent. Nearly two thirds of those in the YouGov survey said they weren’t sure whether it was a positive change for consumers, with just 14 per cent of people claiming that they thought they would benefit. Report author, Matt Palframan, director, Financial Services Research at YouGov, said: The introduction of Open Banking was hailed as a revolution for the financial sector, however what we’re actually seeing is more of a slow and silent evolution.
“More needs to be done to allay consumers’ fears about data security whilst financial service providers will also need to ensure that there are real benefits for consumers who are prepared to share their data in this way.” Palframan, however, noted that “the real innovation” was yet to come and explained that this may well change the current consumer consensus. He added: “It will be interesting to see how things evolve and whether or not a truly innovative product or service can create real disruption in the market and overcome consumers concerns about sharing their data.”
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Get to grips with the latest thinking At TransUnion, we value our customers’ success as much as our own. That’s why we build solutions that leverage cutting-edge approaches such as Open Banking or machine learning, and offer businesses the insights they need to achieve great things. For more information visit www.transunion.co.uk
TransUnion and TransUnion Information Group are trading names of Callcredit Information Group Limited and its subsidiaries.
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OPEN BANKING EXPO
Banks told to reallocate resources and explore new revenues Report explores focus areas for success in the post Open Banking era
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ank profitability is seriously at risk unless incumbent organisations reallocate resources, improve customer experiences and develop new revenue streams, a report has warned. In interviews with global bankers from around the world for its annual World Retail Banking Report, Cap Gemini found widespread concerns that traditional banks have not appreciated the speed of the changing operating landscape as a result of Open Banking. The researchers warned that only those organisations with an “agile and flexible” future business model will be “at the centre of the action” in the years to come. “Banks’ operating models must quickly shift given competitive pressures and technology changes,” Yair Grossman, head of group strategy at Israel Discount Bank explained. “There is no way the traditional operation model can profitably last. Therefore, we must automate, rationalise the physical footprint (branch network) and better leverage data,” he explained. The report cited the successful partnership between the UK’s Starling Bank and TransferWise, which has allowed the bank’s customers to make monetary transfers in foreign currencies through the TransferWise app. Those interviewed by Cap Gemini, said that banks need to rethink how they use their resources and consider reworking the responsibilities of their employees to adapt to how customers now prefer to bank. These observations came as Lloyds Banking Group announced plans to cut jobs in some traditional parts of the business while simultaneously establishing digitally-focussed positions as part of its £3 billion technology and transformation investment programme. The Lloyds changes went beyond retail banking, extending into corporate and community banking too. “Thanks to technology, today’s customers are doing their operations via mobile and other
digital channels without bank staff, which leaves branch representatives available to provide extra services or handle complex issues, such as mortgages or commercial needs,” explained Burak Sezercan, head of retail banking at Isbank. “To maintain margins, banks must first optimise resources, using a technology infrastructure that augments channels,” he added. One senior European banker interviewed by Cap Gemini – who asked not to be named – said it was now becoming essential for banks to “commoditise” basic banking. He explained: “They can implement the open banking model to improve revenues by becoming a player able to integrate and leverage the fintech ecosystem to offer more value-added services.” The report concluded with a warning for those who have so far resisted investing in an updated IT infrastructure, which the researchers predicted would be critical to the future sustainability of legacy players. “A lot of large banks have many, highly-complex systems,” said Boonson Jenchaimahakoon, first senior executive vice president at Government Savings Bank. “If they do not simplify, they cannot build APIs and transition to Open Banking.”
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OPEN BANKING EXPO
A G E N D A 08:00
REGISTRATION AND NETWORKING
08:50
Julian Wells, Director, Whitecap Consulting
09:10
Keynote: From the automobile to the smart phone to Open Banking Formerly Managing Director at Google, Dan will offer delegates a unique insight into the Open Banking landscape, whilst offering his view on the adoption of technology innovations, from the automobile to the smart phone to Open Banking.
Dan Cobley, Former Managing Director UK & Ireland, Google Managing Partner, Fintech, Blenheim Chalcot
09:30
Open Banking – The next revolution? Open Banking Expo opens the day with a C-level panel debate incorporating incumbent banks Lloyds Banking Group and HSBC, and challenger bank Tandem, alongside key stakeholders in the Open Banking revolution, to slice and dice where we are now, where it is going and if it is truly the sea change the hype has led us to believe.
PANEL CHAIR: OLLY BETTS, CHIEF EXECUTIVE OFFICER, OPENWRKS
Lana Tahirly Abdullayeva, Director, Open Banking & PSD2, Lloyds Banking Group
Matt Ford, Product & Marketing Director, Tandem Bank
Imran Gulamhuseinwala OBE, Trustee, Open Banking Implementation Entity
Mike Haley, Chief Executive Officer, Cifas
Becky Moffat, Head of Personal Banking, HSBC UK
Ireti Samuel-Ogbu, EMEA Head Payments & Receivables, Treasury & Trade Solutions, Citibank
Welcome and opening remarks from the Chair
10:15 Making Open Banking work – From hype to prototype OpenWrks are a fintech leading the charge in the Open Banking ecosystem, but Founder and Chief Executive Officer Olly Betts believes consumers will never buy Open Banking. Hear his thoughts on what needs to happen in financial services to realise the true benefit of Open Banking for real people and how businesses from any part of the industry can quickly and easily test and validate their own customer focused solutions powered by Open Banking APIs.
Olly Betts, Chief Executive Officer, OpenWrks
10:40
MORNING NETWORKING BREAK
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S T R E A M
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Main plenary stage Headline partner
11:10 Global spotlight – Developing a global Open Banking standard Open Banking is at different stages of the ‘disruption cycle’ in different markets, and everyone is looking to the UK for the first successes, case studies and pitfalls to avoid. This session will share best practice findings from across markets and explore the initiatives set in motion to converge on a global standard. • What are the global developments in the PSD2 & Open Banking landscape? • A look ahead to the future: what will the Open Banking space look like in 2025? • Emerging markets: which region is next to take up Open Banking and how far along are they? • Does Open Banking present new opportunities for UK lenders to move into new markets?
11:50
Claudia Del Pozo, Head of Operations, C-Minds, Mexico Carlos Figueredo, Chief Executive Officer, Open Vector Bill Roberts, Head of Open Banking, Competition & Markets Authority Hiro Sayama, Engagement Manager, McKinsey & Co.
Harnessing Open Banking to help vulnerable customers Sponsored by:
The most vulnerable customers may spend hours providing income and expenditure (I&E) information to a multitude of creditors. Open Banking can reduce this stress as it makes it fast, simple and secure for customers to provide full I&E information direct into your business without the need for long, intrusive phone calls or requests for further information.
• How can regulators, associations and Open Banking pioneers create a positive Open Banking ecosystem?
• Managing data portfolios within the new regulatory framework • Is Open Banking key to your collections strategy? • How can new Open Banking regulation support financial wellbeing?
PANEL CHAIR: FAITH REYNOLDS, INDEPENDENT CONSUMER FINANCE EXPERT & FINANCIAL SERVICES CONSUMER PANEL
Stuart Bungay, Managing Director, Fair Way Forward
Joanna Elson OBE, Chief Executive Officer, Money Advice Trust
Katie Evans, Head of Research & Policy, Money & Mental Health Charity
Richard Johnson, Head of Strategy & Proposition, Computershare
Chris Pond, Chair, Lending Standards Board
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OPEN BANKING EXPO
S T R E A M
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Enhancing Decisions in Partnership with
11:10
Introduction from the Chair
11:15
Robbing the bank of the future This interactive session has audience participation at its core! Led by the senior leadership team at Deloitte, Adam and Stephen will provide high level insight on:
James Sheldon, Sales & Commercial Director, Experian
• Attacking a bank – what does ‘theft’ mean in an open system? • Attacking the customers – constantly connected, continually compromised • Attacking the chain – weakening trust in the ecosystem
Stephen Bonner, Partner, Deloitte Adam McElroy, Director, Deloitte
11:50
Leveraging Open Banking to build the Smart Money Platform Key technology at the heart of Customer Experience successhow to harness future technology and help more people unthink money and get more out of life.
SESSION DELIVERED BY OPEN BANKING PIONEER AND THOUGHT LEADER: Leon Muis, Chief Operating Officer, Yolt
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S T R E A M
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Main plenary stage Headline partner
12:30
Partner insight – Open Banking in credit referencing TransUnion, formerly Callcredit, the UK’s fastest growing and second largest consumer data agency, will explore the use case of Open Banking in the increasingly regulated lending industry.
• How Open Banking might change the affordability and credit reference landscape • What does this mean for consumers? • The power of Open Banking data insight
David Firth, Head of Product Management - Consumer Markets, TransUnion
12:55 Strong Customer Authentication: frictionless security to drive adoption of Open Banking Trusona is contracted to Open Banking UK Limited (OBIE) to deliver the reference architecture (Model Bank) for bank authentication that will be used by Third Party Providers (TPPs: fintechs) to authenticate customers and authorise account sharing and payments. Trusona will demonstrate these authentication processes and customer journeys using the Open Banking ‘Model Bank’ deployment and help de-mystify what is required to comply with PSD2 SCA, whilst delivering great customer experiences.
Olly Brough, Managing Director, EMEA, Trusona
13:05
NETWORKING LUNCH
14:05 CEO spotlight – Fireside chat with a digital banking trailblazer Anne Boden, Chief Executive Officer at Starling Bank, is a well-known pioneer of the digital banking phenomenon; her bank just won Best British Bank and Best Current Account Provider at the 2018 Best Bank Awards. In our special “fireside” chat, we will ask Anne to reveal her vision for Open Banking and offer delegates some key takeaways on where the real opportunities exist, how customer expectations will change in the short, medium and long team, and what the banking landscape might look like for the next generation.
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Anne Boden, Chief Executive Officer, Starling Bank
OPEN BANKING EXPO
S T R E A M
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Enhancing Decisions in Partnership with
12:30 From the horse’s mouth: A true case study from first direct Director at first direct, Nick Harrison, will provide an indepth insight into the first direct Open Banking market place proposition, called artha. Part of the FCA sandbox in tandem with fintech, Bud, this will be a highly engaging data driven session around the impact on the customer and overall customer experience.
Nick Harrison, Director, first direct
13:05
NETWORKING LUNCH
14:05
Reinventing the customer relationship through Open Banking • Turning today’s world of data into tomorrow’s world of intelligence
• How affordability can become more accurate and more inclusive – helping you reach more, engage more and connect more with customers and SMEs
• How AI can transform bank account data into knowledge at speed, and scale
• How can the growth in data fuel insight for value-added services that is far beyond a single decision?
Rob Haslingden, Head of Propositions, Credit Services,, Experian, UK&I
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S T R E A M
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Main plenary stage Headline partner
14:35
SME spotlight – Accelerating growth via Open Banking Open Banking is set to have a major impact on the SME financing sector, opening new ways for small firms to connect to innovative fintech services. The options will be welcome: balancing cashflow and ensuring sufficient financial flexibility at all times is one of the biggest headaches for small and medium-sized enterprises. Our panel will consider:
• What are the business opportunities for the SME market?
• The challenges and hurdles that need to be overcome to maximise adoption rates
• What can businesses learn from Open Banking implementation in the consumer space?
• How to execute a revolutionary PR campaign to ease fears and promote positive user cases
Conrad Ford, Chief Executive Officer, Funding Options Martin McCann, Chief Executive Officer, Trade Ledger Rob Straathof, Chief Executive Officer, Liberis
15:05
The psychology of saving • The learned behaviours of saving
• Changing attitudes towards saving
• The three stages of saving
Matt Ford, Product & Marketing Director, Tandem
15:35
AFTERNOON NETWORKING BREAK
16:05
Partner insight - Open Banking for customer-centric risk James will take you through a practical implementation of Open Banking data used to help individualise the credit risk process looking at key data features that can change your business. James Varga, Chief Executive Officer & Founder, The ID Co.
16:30
Champagne keynote address - A banking world Brought to you by: with Google, Amazon, Facebook & Apple Open Banking thought-leader, Dr Louise Beaumont, will take a futuristic look at the world if the likes of Google, Amazon, Facebook and Apple were to make a serious play for the banking market. Sit back and relax with your glass of bubbles whilst Louise takes you on that journey.
Dr. Louise Beaumont, Co-Chair, Open Banking & Payments Working Group, techUK
17:00
CLOSING REMARKS FROM THE CHAIR
17:05
NETWORKING DRINKS RECEPTION TO CLOSE THE EVENT
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OPEN BANKING EXPO
S T R E A M
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Enhancing Decisions in Partnership with
14:35 Three different perspectives on the future of Open Banking Three different perspectives on how and why Open Banking will revolutionise the global financial services market forever and the key drivers for success. In this highly engaging session there are NO slides, NO PowerPoint presentations, Just three unique market perspectives.
Matt Cox, Head of Open Banking, Nationwide Yvonne Dunn, Partner, Pinsent Masons Adédèjì Olowe, Trustee, Open Banking Nigeria
15:05
Open Banking: strategic considerations of Lloyds Banking Group Open Banking provides the building blocks of a connected digital economy through a set of standards and regulations. It aims to shift the focus of the financial industry from building utility services to enabling seamless customer experiences. In this talk, we will reflect on the Open Banking journey of Lloyds Banking Group, where we’ll discuss strategic opportunities and challenges, offer insight into our first experiences with fintechs and share the Group’s vision of Helping Britain Prosper through Open Banking.
15:35
Irina Tysganok, Open Banking Engineering Lead, Lloyds Banking Group
AFTERNOON NETWORKING BREAK
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Discover Why Banking is Becoming Open What will the challenges and opportunities be to delivering a successful Open Banking Strategy? Open Banking is predicted to encourage innovation and make it easier for customers to compare offerings from different financial sectors. How can you make open banking work for your organisation and what are the steps you need to take? Unisys can help you develop a transformational approach to Open Banking and stay ahead of the competition. Learn more at www.unisys.co.uk/industries/financial-services
OPEN BANKING EXPO
R O U N D TA B L E S The Future of Open Banking Debates Join our financial journalist, who will moderate initimate roundtable sessions on hot Open Banking topics. Seats are limited and must be pre-booked. For last minute availability please contact the registration desk.
10:50
Lessons learned from the UK implementation of PSD2 Co-hosted by:
11:50
WhatAfter are the and considerations to developing the challenges morning break, the following roundtables awill successful Open Banking strategy? take place alongside Stream 1 or 2 Co-hosted by:
14:05
Open Banking – the journey towards mainstream adoption Co-hosted by:
15:05
Will PSD2 compliant strong customer authentication ensure or prevent a great customer experience? Co-hosted by:
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TRUSONA
UNISYS
LUNCH
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FIORANO SOFTWARE
EXPERIAN
EXHIBITION HALL
MAIN PLENARY STAGE
ROMAN
WALBROOK ROUNDTABLES
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LOBBY
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FLEET
REGISTRATION
CORNHILL
WALL
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ENHANCING DECISIONS IN PARTNERSHIP STREAM WITH
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TRANSUN
ESSERT
COFFEE/D
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CIFAS
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PING IDENTITY
EQUIFAX
FISERV
WATER 11
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OPENWRKS
COMPUTER SHARE
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GDS LINK
9 CREDIT SERVICES ASSOCIATION
LUNCH
What’s happening where at
Open Banking Expo LIFT LIFT LIFT
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CLOAKROOM
FEMALE WC’S
MALE WC’S
ALDGATE 121 MEETINGS ROOM
BISHOPSGATE SPEAKER GREEN ROOM
NEWGATE
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Work with a trusted partner that understands the credit and lending business. Visit us at Stand 14 to see how we can help you make decisions for everyone that are fair, accurate and efficient. Your partner, helping with:
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Proud to be event partners of
27 November 2018 America Square Conference Centre London
sponsored by
OPEN BANKING EXPO
S P E A K E R
D I R E C T O R Y
A - Z
Open Banking Expo thanks all of its speakers for giving up their time to participate at the event. Please use this directory as a handy guide to their knowledge and experience that they bring to the audience.
Lana Tahirly Abdullayeva Director, Open Banking & PSD2
Lloyds Banking Group
09:30
See Lana at 09:30 on the panel debate: Open Banking – The next revolution?
As Open Banking & PSD2 Director at Lloyds Banking Group and non-executive advisor to MLROs.com, Lana advocates for leveraging evolving regulation to improve end-customer experience, foster financial inclusion and prevent financial crime. Over 2015 to 2017 she was a member of the Payments Strategy Forum and played an influential role in shaping the future UK payments landscape, improving trust in payments and removing barriers to enter. Mathematician by training, in Banking and FS since 1997 across a number of corporate and regulatory environments, Lana is well versed in the rapidly emerging world of data and disruptive technologies and is passionate to create world-class ubiquitous solutions for the good of all users. She works collaboratively with her peers, regulators and stakeholders to develop strategic plans that are vitally important for the success of the UK ecosystem, and in helping Britain prosper compliantly.
Dr Louise Beaumont Co-Chair, Open Banking & Payments Working Group
techUK See Louise at 16:30 to deliver her champagne keynote session: A banking world with Google, Amazon, Facebook and Apple
KEYNOTE SPEAKER
16:30
Dr Louise Beaumont works with legislators and regulators to create disruption, with corporates to cope with disruption, and with start-ups to exploit disruption. • Chair: techUK’s Open Banking & Payments Working Group, Signoi, Message Heard • Advisor: Pay.UK’s End User Advisory Council, Yapily, Funding Options, Bottomline • Investor: Funding Options, Signoi, Message Heard, Verifeye
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Olly Betts Chief Executive Officer
OpenWrks See Olly chair the 09:30 debate: Open Banking – The next revolution? and deliver his session at 10:15: Making Open Banking work – From hype to prototype
10:15
Entrepreneur, investor and business leader. Building the technology that makes Open Banking work. Focused on leveraging data and technology to enable people and businesses to more easily access the products and services that can enrich their lives. The OpenWrks toolkit makes it easy for customers to share their data securely with businesses they trust, so those businesses can deliver better products and services to their customers.
Anne Boden Chief Executive Officer
Starling Bank
14:05
See Anne deliver her session at 14:05: CEO spotlight: Fireside chat with a digital banking trailblazer
Anne is a most unusual banker. After a 30-year career in traditional banking, including roles at Lloyds Bank, Standard Chartered, UBS, ABN AMRO, RBS and as Chief Operating Officer of Allied Irish Bank, Anne began to explore how financial technology could transform customer’s everyday lives. In 2014, she set out to create a new kind of bank. In May 2017, Starling Bank launched its app-only current account. Less than a year later Starling was voted Best British Bank in the Smart Money People Awards. Anne’s vision has brought together a dynamic team of people, determined to revolutionise banking.
Stephen Bonner Partner
Deloitte
11:15
See Stephen deliver his session with colleague Adam McElroy at 11:15: Robbing the bank of the future
An award-winning skilled and knowledgeable information security and cyber security professional with a strong focus on project delivery and ROI. Delivers projects and builds teams that return money to business lines and increase security. Forges strong links with internal and external customers. A good balance between theoretical and hands-on, policy and implementation, and management and technical. A skilled communicator, well respected within the security community, with regular speaking engagements. Specialties: Security policy, data privacy, risk management, intrusion detection, vulnerability assessment, penetration tests, application security, ISO17799, firewalls, wireless, awareness, incident response, encryption, PKI, anti-virus, threat analysis and forensics. Budgeting multi-million projects, vendor selection, contract and SLA negotiation as customer and supplier, recruitment and staff management, project management.
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Olly Brough Managing Director, EMEA
Trusona See Olly deliver his session at 12:55: Strong Customer Authentication: frictionless security to drive adoption of Open Banking
12:55
Olly has two decades of experience in delivering slick, secure and compliant customer journeys for consumers applying for products, making payments and enrolling into digital and mobile channels. Olly’s expertise covers payments, digital identity, online security and digital banking technologies. As Managing Director of Trusona EMEA, a Kleiner Perkins and Microsoft Ventures funded technology business, Olly is on a mission to make it simpler and more secure for customers to login, identify and authenticate themselves in all channels, without the need for insecure static credentials such as passwords, usernames, one-time pins and secret questions. Trusona is contracted to Open Banking UK Limited (OBIE) to deliver the reference architecture (Model Bank) for authentication that will be used by Banks and Third Party Providers (TPPs: FinTechs) to authenticate customers and authorise account sharing and payments. These authentication processes and customer journeys apply to all EU payment account providers seeking to comply with PSD2 Strong Customer Authentication (SCA).
Stuart Bungay Managing Director
Fair Way Forward
11:50
See Stuart at 11:50 on the panel debate: Harnessing Open Banking to help vulnerable customers
Stuart is the CEO and co-founder of Fair Way Forward, a new business focused on helping individuals in varying degrees of financial difficulty resolve their issues using digital channels. Prior to Fair Way Forward, Stuart spent nine years at TDX Group, mainly focused on international expansion and new product innovation. He also had a number of years with Barclays Bank in their corporate finance division focused on evaluating international portfolio purchases and JVs.
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Dan Cobley Former Managing Director, UK & Ireland, Google Managing Partner, Fintech, Blenheim Chalcot See Dan at 09:10 to deliver his keynote session: From the automobile to the smart phone to Open Banking
KEYNOTE SPEAKER
09:10
Dan is an entrepreneur and investor in innovative tech startup businesses, focusing on financial services. He leads the FinTech portfolio for Blenheim Chalcot, a long-established London venture builder. Through this role he has co-founded four fast-growth fintech companies; SalaryFinance, Dynamo Mortgages, OpenWrks and ClearScore, and he is on the boards of Liberis & Modulr. Until late 2014, Dan spent over eight years at Google, as Managing Director UK & Ireland and as VP Marketing EMEA. Prior to Google Dan held senior marketing roles with Capital One, Ask Jeeves and Pepsi/Walkers. Dan has been a speaker at the TED Conference, has appeared as a technology expert on BBC’s Tomorrow’s World, helped Alan Sugar choose his 2014 Apprentice, and is a trustee of the Technology Trust.
Matt Cox Head of Open Banking
Nationwide
14:35
See Matt at 14:35 to deliver his viewpoint: Three different perspectives on the future of Open Banking
Matt draws on his distinct depth and breadth of experience in digital innovation, to direct Nationwide’s strategy and capitalise on the significant challenge and opportunity that Open Banking presents. The UK regulatory agenda is leading the way in transforming the consumer experience in financial services. Matt examines this disruption from the unique perspective of the UK’s most trusted financial services provider on the high street. He explores the importance of Open Banking working for the good of society, and the need to build consumer confidence, to enable a more competitive and collaborative digital ecosystem to thrive.
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Claudia Del Pozo Head of Operations
C Minds, Mexico
11:10
See Claudia at 11:10 on the panel debate: Global spotlight – Developing a global Open Banking standard
Claudia explores how technology can contribute to social and economic development and leading a variety of initiatives to boost technology’s potential in the region. Via C Minds, she has been working with the Mexican government to create new regulations, standards and laws that place the country in a position of global leadership. The agency sparked the Open Banking conversation in Mexico via a report co-authored by C Minds, the Open Data Institute and the Fintech Hub and commissioned by the British Embassy that analyses the current ecosystem, highlights challenges and opportunities for Open Banking and makes recommendations moving forward. One of the main focuses of Mexico’s Open Banking Standard being the promotion of financial inclusion, Claudia is facilitating collaborations with different actors to ensure activities and developments are aligned with the government’s vision.
Yvonne Dunn Partner
Pinsent Masons
14:35
See Yvonne at 14:35 to deliver her viewpoint: Three different perspectives on the future of Open Banking
Yvonne is an experienced IT and commercial contracts lawyer. She specialises in IT procurement, services contracts and outsourcing. Yvonne works extensively in the financial services sector and has led several strategic outsourcing and services arrangements. Yvonne also carries out work for public sector clients, particularly in relation to alternative service delivery models and joint venture arrangements.
Joanna Elson OBE Chief Executive Officer
Money Advice Trust
11:50
See Joanna at 11:50 on the panel debate: Harnessing Open Banking to help vulnerable customers
Joanna is Chief Executive of the Money Advice Trust, whose vision is to help people across the UK to tackle their debts and manage their money with confidence. Last year the Trust helped over 220,000 people to manage their debts via National Debtline and Business Debtline, supported 4,400 money advisers through its Wiseradviser service and delivered vulnerability training to 44 organisations. Previously, Joanna was Executive Director at the British Bankers’ Association running their policy department for personal and small business customers. Before that she was a House of Commons researcher and prior to that a primary school teacher. In 2010, Joanna was awarded an OBE for services to people in debt. 31
Katie Evans Head of Research & Policy
Money & Mental Health Charity
11:50
See Katie at 11:50 on the panel debate: Harnessing Open Banking to help vulnerable customers
Katie is Head of Research & Policy at Money & Mental Health, where she leads a ground-breaking research programme exploring the links between mental health problems and financial difficulty. Katie joined Money & Mental Health from the Social Market Foundation, where she led a programme of work around regulated consumer markets. An expert on vulnerable consumers and financial wellbeing, Katie’s research has been widely discussed across government, regulators and academia, and she has worked closely with both large financial services providers and fintech firms.
Carlos Figueredo Chief Executive Officer
Open Vector
11:10
See Carlos at 11:10 on the panel debate: Global spotlight – Developing a global Open Banking standard
Carlos is a senior executive and payments SME with over 20 years of global business and financial sector experience. His extensive leadership, payments and large-scale programme management skills have allowed him to work for some of the leading institutions in the industry in the integration of time critical, culturally diverse and cross border programmes. In his previous role, Carlos was the Head of Data Standards and therefore co-author of the UK’s Open Banking initiative which is the first region globally to go live with an open banking initiative. With this experience, Carlos founded and is Chief Executive Officer of Open Vector which is a professional consultancy firm comprised of previous senior heads of the UK Open Banking initiative assisting institutions, corporates and regions globally with their Open Banking, open data, PSD2 and GDPR initiatives.
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David Firth Head of Product Management - Consumer Markets
TransUnion, formerly Callcredit
12:30
See David deliver his session at 12:30: Open Banking in credit referencing
David is the Head of Product Management for the Consumer Markets division at TransUnion (formerly Callcredit) and is one of the key stakeholders behind TransUnion’s Open Banking proposition. David is a leading Subject Matter Expert on PSD2, having been involved with the topic since the European Commission’s first draft of PSD2 in July 2013. Closer to home, David has also played an active role in several of the UK’s Open Banking advisory groups, helping to review and shape the initiative.
Conrad Ford Chief Executive Officer
Funding Options
14:35
See Conrad at 14:35 on the panel debate: SME spotlight – Accelerating growth via Open Banking
Conrad is founder and Chief Executive of Funding Options, the UK’s leading online marketplace for business finance. This year Funding Options will raise £100m+ for thousands of UK SMEs, from 50+ alternative funding providers. In addition to being one of the first registered Account Information Services Providers, Funding Options is one of three platforms selected by HM Treasury for the mandatory Bank Referral Scheme requiring major banks to work with alternative SME lenders, and is responsible for the majority of successful cases through the scheme. Conrad regularly appears in UK national press such as the Times, Telegraph and BBC discussing SME finance, and previously worked in the group strategy team at Barclays.
Matthew Ford Product & Marketing Director
Tandem Bank See Matt deliver his session at 15:05: The Psychology of Saving and join the panel debate at 09:30: Open Banking – The next revolution?
15:05
Matthew is responsible for launching and scaling all Tandem’s digital products, building out the ‘Good Bank’. Before his role at Tandem, Matt was the Chief Executive Officer and Founder of Pariti, a mobile platform that helped people save more, spend less, and pay off their debts. Pariti was designed to help people set aside their spare cash, access fairer rates of credit and actively build their financial profile. Matt now uses his expertise on finance management and business leadership at Tandem. He wants to build a bank that is fair to its customers, offering products that are simple to use and make financial stress a thing of the past. He has extensive knowledge of open banking, fintech, leadership, customer drive, investment and technology.
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Imran Gulamhuseinwala OBE Trustee
Open Banking Implementation Entity
09:30
See Imran at 09:30 on the panel debate: Open Banking – The next revolution?
In his role as Trustee, Imran has oversight and responsibility for Open Banking’s development and delivery of the common technical standards underpinning the Competition and Market Authority’s (CMA) Open Banking initiative. He is seconded to Open Banking from Ernst & Young LLP (EY) where he is a London-based partner in its financial services practice. He is also EY’s Global Head of FinTech. He joined EY in 2014. At EY, he has worked closely with government, regulators and industry bodies to drive the FinTech agenda, leading studies for both UK Trade & Investment and HM Treasury to measure the size and growth of the FinTech sector in the UK and develop a strategy for future growth.
Mike Haley Chief Executive Officer
Cifas
09:30
See Mike at 09:30 on the panel debate: Open Banking – The next revolution?
Mike has 30 years’ experience of tackling and preventing fraud across the public, private and not for profit sectors, including considerable experience directing investigations, as well as developing prevention and detection strategies. With a Master’s Degree in Criminology, he has led investigative teams in the NHS, Ministry of Defence, Office of Fair Trading, HM Revenue & Customs and Solicitors Regulation Authority. He also worked at the National Fraud Authority directing cross sector fraud prevention strategies including on mortgage fraud and identity crime. He joined Cifas as Deputy Chief Executive in May 2015 and took over as Chief Executive in May 2018.
Nick Harrison Director
first direct
12:30
See Nick deliver his session at 12:30: From the horse’s mouth – A true case study from first direct
Nick has worked in financial services for 20 years and joined first direct two years ago to lead the development and growth of first direct’s future customer propositions. Nick is passionate about the customer and ensuring that the bank offers its customers great products with the best customer journeys. Instrumental to the delivery of this passion is an ability to work in a focussed agile environment. Prior to joining first direct Nick worked for Clydesdale and Yorkshire Bank in a variety of retail banking roles.
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OPEN BANKING EXPO
Rob Haslingden Head of Propositions, Credit Services
Experian UK&I
14:05
See Rob deliver his session at 14:05: Reinventing the customer relationship through Open Banking
As well as propositions, Rob is also Experian’s UK lead on Open Banking. His focus is to demonstrate how financial services organisations can maximise the benefits of Experian’s consumer and business information to minimise risk, improve customer management and mitigate fraud. In addition to working with customers, he also liaises with government, industry regulators and consumer groups demonstrating the benefits provided by Experian’s insight.
Simon Healy Industry Director, Financial Services EMEA
Unisys Simon is hosting the Unisys roundtable at 11:50: What are the challenges and considerations to developing a successful Open Banking strategy?strategy?
11:50
Simon’s role is to deliver the global financial services strategy through the region and to ensure that the solutions and services we offer are material enablers to our clients’ strategic goals. With over 16 years’ experience in UK financial services, Simon has specialised in starting and scaling digital new businesses direct to consumers and SMEs, including for Capital One and Icesave (Landsbanki.) Most recently, as Managing Director of Savings, Simon was one of the founding members of Aldermore, launching from scratch in 2009 with a UK stock market flotation in 2016 and joining FTSE250 shortly afterwards. With a deep end-to-end knowledge of the business and passion for creating genuinely customer-centric businesses, Simon has won numerous awards for financial services products and innovation.
Richard Johnson Head of Strategy & Proposition
Computershare
11:50
See Richard at 11:50 on the panel debate: Harnessing Open Banking to help vulnerable customers
Ricky has worked for Computershare in a variety of roles in client management, product development and business integration across multiple business lines over a 20-year period. Following the acquisition of HML in 2014, Ricky joined the Computershare Loan Services team to focus on developing strategy and proposition for the business and has a particular focus and passion for digital strategy and delivering excellent customer experience.
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Martin McCann Chief Executive Officer
Trade Ledger
14:35
See Martin at 14:35 on the panel debate: SME spotlight – Accelerating growth via Open Banking
Martin is Chief Executive Officer and Co-Founder of Trade Ledger (www.tradelder.io), the world’s first open digital banking platform that gives banks the ability to assess business lending risk in real time. He is an avid technologist, business leader, investor, academic researcher, and public speaker who is passionate about the digitisation of business. Prior to founding Trade Ledger, Martin accrued 20 years’ experience creating, growing, mentoring, and investing in innovative global technology companies across North America, the UK, continental Europe, Russia, Asia, Australia, and New Zealand. He has been Chief Executive Officer of venture capital firm, Global Innovation Ventures, General Manager of SAP’s Cloud Solutions Division overseeing a period of extraordinary growth, and Chief Executive Officer and Research Director of software consultancy, Inn-vision.
Adam McElroy Director
Deloitte
11:15
See Adam deliver his session with colleague Stephen Bonner at 11:15: Robbing the bank of the future
With over 20 years in IT, Adam is an award-winning identity management veteran with a strong record in both general & technical management, supported by a breadth of experience in security product development, information security systems integration and advising on transformational change.
Becky Moffat Head of Personal Banking
HSBC UK
09:30
See Becky at 09:30 on the panel debate: Open Banking – The next revolution?
Becky joined HSBC in January 2016 and leads Retail Propositions and Current Accounts. Becky has spent the past 20+ years leading digital proposition development for major FS brands (Barclays, Barclaycard and Santander) and joined HSBC from Boots where she was Head of Digital Experience. She has also led digital transformation programmes in both the FS and publishing sectors. Becky is currently leading the Connected Money programme at HSBC which was received extensive media coverage as the first scale response to Open Banking.
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OPEN BANKING EXPO
Leon Muis Chief Operating Officer
Yolt
11:50
See Leon deliver his session at 11:50: Leveraging Open Banking to build the Smart Money Platform
Leon is Chief Operating Officer of Yolt: a smart money platform built to harness the power of Open Banking. Yolt, which is owned by ING, was born in 2016 and is currently available in open Beta in the UK. Having worked as consultant for retail banks worldwide, Leon joined ING in 2011 before moving to Yolt in April 2017. Leon is currently responsible for all bank data connections that Yolt makes, and is Yolt’s representative for Open Banking and PSD2. As a driven fintech and retail banking professional, he is committed to bringing a frictionless banking experience to Yolt users.
Adédèjì Olówèẹ̀ Trustee
Open Banking Nigeria
14:35
See Adédèjì at 14:35 to deliver his viewpoint: Three different perspectives on the future of Open Banking
Adédèjì is the Chief Executive Officer of Trium Networks Limited and until recently, an Executive Director of Products and Services with SystemSpecs Limited (Remita), one of the largest fintechs in Nigeria. Prior to his stint at SystemSpecs, he was the Divisional Head of Electronic Banking at Fidelity Bank Plc Nigeria, where he was responsible for the turnaround of the bank’s digital business through implementation of innovative and profitable products. He was previously responsible for United Bank for Africa Group’s card business across 19 countries. Alongside other industry veterans, he founded the Open Banking Nigeria, the nonprofit driving the development and adoption of Open Banking API standard for the Nigerian financial industry. Adédèjì also has experience with Atlas Mara in the United Arab Emirates as the Vice President of Cards and Payments, First City Monument Bank, and Access Bank Plc. He was an Advisory Board Member at Verve International (a member of Interswitch Group).
Chris Pond Chair
Lending Standards Board
11:50
See Chris at 11:50 on the panel debate: Harnessing Open Banking to help vulnerable customers
Chris is Chair of the Lending Standards Board, The Money Charity and the Equity Release Council Standards Board, and Vice-Chair of the Financial Inclusion Commission. He is also an Independent Director of the Current Account Switch Service. Chris was previously Director of Financial Capability at the FSA, Member of Parliament and Work and Pensions Minister. He has been CEO of two national charities and Chair or Trustee of many others, most recently the Caxton Foundation, GambleAware and the Family and Childcare Trust. 37
Faith Reynolds Independent Consumer Finance Expert & Financial Services Consumer Panel
11:50
See Faith chair the panel debate at 11:50: Harnessing Open Banking to help vulnerable customers
Faith is an independent consumer finance expert. She is a member of the Financial Conduct Authority’s Financial Services Consumer Panel where she chairs the EU Working Group and is the lead for technology and innovation. She acts as the Customer Representative on the Open Banking Implementation Entity Steering Group and authored the widely-read report, ‘Open Banking: A Consumer Perspective’. She recently joined the Current Account Switch Service as an independent non-executive director. Faith is also a member of the RegTech Council. Previously, Faith was a member of the Payments Strategy Forum, ESMA’s Financial Innovation Standing Committee Consultative Working Group, as well as CILEX’s Strategic Risk Committee. Between 2010-2012 Faith pursued the Clore Social Leadership Programme, undertaking research into Big Society while based at the Institute for Government and more recently helped the Institute look at how it creates impact.
Bill Roberts Head of Open Banking
Competition & Markets Authority
11:10
See Bill at 11:10 on the panel debate: Global spotlight – Developing a global Open Banking standard
Bill is Head of Open Banking at the Competition & Markets Authority. He led the design of the Implementation Entity and the specification of the Implementation Trustee role. He has been heavily involved in the Open Banking rollout process since the launch of the project, including working closely with UK stakeholders and regulators in other jurisdictions contemplating or implementing Open Banking. Before entering the world of regulation (initially at the Competition Commission) he held a number of senior commercial positions within the information businesses of Thomson Reuters. Prior to that he was Deputy Director of Which?.
Ireti Samuel-Ogbu EMEA Head Payments & Receivables, Treasury and Trade Solutions
Citibank
9:30
See Ireti at 09:30 on the panel debate: Open Banking – The next revolution?
Ireti is Managing Director, EMEA Payments & Receivables Head with Citibank’s Treasury & Trade solutions division. She is based in London with responsibility for the P&L, product development and solutions utilised by financial institutions, corporates and public sector customers. Ireti has been with Citi for nearly 30 years, holding various roles in London, Nigeria and South Africa which span Relationship Management with Global Subsidiaries Group and the Public Sector Banking Team, Corporate Finance and as Transaction Services Head for two of the largest markets in Africa. Ireti is a champion for diversity initiatives having cofounded the Sapphire Leadership Programme for women in Africa and the Momentum Programme in the UK. She serves as a Non-Executive Director of Citi Nigeria, CHAPS and a UK-based charity Opportunity International. 38
OPEN BANKING EXPO
Hiro Sayama Engagement Manager
McKinsey & Company
11:10
See Hiro at 11:10 on the panel debate: Global spotlight – Developing a global Open Banking standard
Hiro is an Engagement Manager at McKinsey & Company, serving financial services and fintech firms on strategy, digital transformation and innovation topics across Europe, USA and Africa. She leads the Open Banking research team, currently conducting a design-led research approach involving 50+ hours of consumer interviews, 30+ TPP interviews, mass market survey for 3,000 consumers and designing potential Open Banking experiences and online applications.
James Sheldon Sales & Commercial Director
Experian
Chair
James will be chairing the Enhancing Decisions in Partnership with Experian stream
James leads Experian’s Open Data business development initiative. The primary objective of which is to help businesses and consumers alike capitalise on the value Open Data presents. We are investing our capabilities to both create better experiences and outcomes for consumers and help businesses fulfil their Open Data ambitions. In addition, James has sales and commercial responsibility for Experian’s HD Decisions pre-qualification and Data Management businesses. Prior to this James led Experian’s engagement with the UK retail launch of seven global banks and spent much of his career working with leading and challenger organisations to develop systems and business processes across the lifecycle to optimise customer experience, manage risk and maximise efficiencies.
Hugh Steed Vice President Operations, EMEA
Trusona Hugh is hosting the Trusona roundtable at 15:05: Will PSD2 compliant strong customer authentication ensure or prevent a great customer experience?
15:05
Hugh is Vice President Operations, EMEA at Trusona, joining from Experian where he was a global director of fraud and identity products. Hugh has worked with global tier one financial institutions, e-commerce brands, airlines and telcos; enabling them to deliver secure yet frictionless authentication experiences, counter on-line fraud and reduce cyber crime attacks on their businesses. Hugh has enjoyed a 25-year career in technology, holding senior marketing positions at Microsoft and leading the European technical operations at several successful Silicon Valley companies.
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Rob Straathof Chief Executive Officer
Liberis
14:35
See Rob at 14:35 on the panel debate: SME spotlight – Accelerating growth via Open Banking
Rob Straathof is Chief Executive Officer of Liberis, one of Europe’s largest small business revenue finance providers having funded over £260m to 8,500 businesses. Supported by the UK Government owned British Business Bank Investments, Liberis is part of Blenheim Chalcot, the UK’s leading venture builder. Straathof has over a decade of financial services experience including fintech investment banking at JPMorgan; Director roles at Everline, the UK’s first digital SME lender; Newable Business Finance, a responsible finance SME loans provider; and Folke Finans, a Norwegian FSA registered online loan provider. Straathof’s extensive commercial experience will support Liberis’ ambition to further empower small businesses, broadening customer reach through strategic partnerships and international expansion.
Ben Thackwray Principal Consultant Open Banking
TransUnion, formerly Callcredit
14:05
Ben is hosting the TransUnion roundtable at 14:05: Open Banking – the journey towards mainstream adoption
Ben is a highly experienced business consultant, providing expert consultancy on all areas of credit risk, lending strategy and data optimisation across the end to end customer lifecycle. In recent months Ben has been largely responsible for the Open Banking Data Strategy at TransUnion. Ensuring that TU maximise the power of the data available and that we build Open Banking products and services that are fit for purpose.
Irina Tysganok Open Banking Engineering Lead
Lloyds Banking Group
15:05
See Irina deliver her session at 15:05: Open Banking: strategic considerations of Lloyds Banking Group
Irina is an Open Banking Engineering Lead at Lloyds Banking Group; driving technology and operational strategies of the Open Banking Programme. Irina joined the financial industry from the world of ecommerce, where she built the technology platform of the world’s largest luxury fashion retailer; and brings with her strong focus on utilising bleeding edge technologies to provide best in class customer experience. Determined to enable Lloyds Banking Group to leverage opportunities brought by PSD2, Irina is focussed on building an extensible, efficient, scalable, and secure technology platform. Irina is a published author, speaker and an active member of the wider technology community, advocating children and women in digital through teaching and mentorships.
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OPEN BANKING EXPO
James Varga Chief Executive Officer & Founder
The ID Co.
16:05
See James deliver his session at 16:05: Open Banking for customer-centric risk
James founded The ID Co. in 2011 with a mission to create convenience—to allow us to sign up to new products and services in seconds. The ID Co. builds products based on (open) bank data that helps businesses like online lenders to onboard their customers efficiently by solving pains such as affordability and credit risk. James is active in a number of local and global efforts to help people do more online, including the Fintech Delivery Panel (FDP), FDATA, Open Banking Excellence | Edinburgh, and Trust In Digital Life (TDL), whose mission is to create a trusted ecosystem that protects the data and assets of citizens and enterprises across Europe.
Julian Wells Director
Whitecap Consulting
Chair
Julian will be chairing the main plenary stream
Julian is a Director at Whitecap Consulting, a Leeds-based strategy and planning consultancy that helps businesses accelerate growth, attract more customers, and increase profits. Whitecap work in numerous sectors but with particular strengths in fintech, financial services, technology, consumer, retail and education.
Nick White
Vice President, Product & Marketing, EMEA Fiserv
10:50
Nick is hosting the Fiserv roundtable at 10:50: Lessons learned from the UK implementation of PSD2
Nick has been building digital services in the mobile, media and fintech space for over 20 years. Having worked with brands including Virgin, Vodafone, and Barclays, he has helped create successful customer-focused digital propositions. He also helped define and build the enabling B2B fintech capabilities required to transform the pace of innovations within financial services. White is leading the roll out of FinKit for Open Banking from Fiserv, a fully managed service to enable banks to get and stay compliant with Open Banking regulations.
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OPTIMISE your operations IMPROVE your systems and processes INCREASE collections ENHANCE your debt sales GAIN insight and oversight REDUCE costs
Find out how we can help YOU www.qualco.co.uk | +44 1932 213340 | info@qualco.co.uk
OPEN BANKING EXPO
PA R T N E R
D I R E C T O R Y
A - Z
Open Banking Expo would like to thank all of its partners. Please use this directory as a handy guide to the products and services they provide and find out how to contact them.
BraveNewCoin Media Partner BraveNewCoin (BNC) is a data and research company, powering Blockchain finance, providing news, insights, digital asset values and indices, cryptocurrency market data enterprise and developer solutions and a general taxonomy for cryptographic assets. We build industry benchmarks and custom indices for tracking cryptographic assets. Whether you require global market spots for price discovery or reference rates for performance attribution, BNC has an index solution to meet your needs. Contact details: Rafah Hanna E: rafah@bravenewcoin.com T: +44 (0)7905 111 778 W: www.bravenewcoin.com
Castlight Financial Partner
Castlight Financial is an award-winning fintech company which has developed a range of digital affordability tools to help financial institutions and individuals take advantage of Open Banking opportunities. Our Affordability Passport uses an innovative API to allow customers to stream their bank transactional information with their credit report, empowering financial retailers with a real-time view of their customers’ financial capability. CaaS (Categorisation as a Service) is currently the UK’s most powerful categorisation engine with the ability to categorise transactional data into categories of income and expenditure, across bank accounts. Castlight is committed to creating a safer financial world
and all affordability tools are designed to ensure that borrowers secure affordable loans and that allow lenders to make the best lending decisions. Contact details: Martin Leonard E: martin.leonard@castlightfinancial.com T: +44 (0)800 193 3547 W: www.castlightfinancial.com
Cifas LAUNCH PARTNER Cifas is a not-for-profit fraud prevention membership organisation. We are the UK’s leading fraud prevention service, managing the largest confirmed fraud database in the country. Our members are organisations from all sectors, sharing their data across those sectors to reduce instances of fraud and financial crime. Throughout the UK, our experts and services help protect individuals and organisations from the growing and increasingly sophisticated threat of fraud and financial crime. Since 1988, Cifas has helped its members and customers protect themselves from billions of pounds worth of fraud losses. With every organisation that becomes a Cifas member, or with whom we collaborate, we establish a tougher environment for fraudsters – both externally and within your organisation. Contact details: Lee D’arcy E: lee.darcy@cifas.org.uk T: +44 (0)20 3004 3626 W: www.cifas.org.uk
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Computershare Partner Computershare Loan Services is the UK’s leading provider of outsourced mortgage solutions, currently managing £60 billion of assets on behalf of our clients. Whether you need a robust, compliant and efficient way of managing your mortgage assets or are looking to maximise the value of a portfolio, we can help. We are delighted to be partnering with the Open Banking Expo for this event. Come and visit our stand to explore how we are utilising the latest financial technology within the mortgage journey for the benefit of our clients and their customers. Contact details: E: sales.loanservices@computershare.co.uk T: +44 (0)370 702 0003 W: www.computershare.com/uk/business/ loan-services/your-mortgage-servicing-journey
Credit Services Association Partner The Credit Services Association (CSA) is the only national trade association in the UK for organisations active in the debt collection and debt purchase industry. The association, which has a history dating back to 1906, has 300 member companies which represent 90% of the industry, and employ 11,000 people. At any one time its members hold up to £60 billion for collection, returning nearly £3billion in collections to the UK economy per annum. As the voice of the collections industry, our vision is to build confidence in debt collection by making the entire process clear, easy to understand and less stressful for all those involved. Contact details: Colleen Peel E: colleen.peel@csa-uk.com T: +44 (0)191 217 0775 W: www.csa-uk.com
Credit Connect Media Partner
Credit-Connect.co.uk provides news on credit and collections. As part of its segmented news pages it has dedicated news on Open Banking: http://www.credit-connect.co.uk/category/ consumer-news/open-banking/. Credit Connect also powers the Credit & Collections Technology Awards which includes an Affordability Assessment Technology category. www. creditandcollectionstechnologyawards.co.uk. Contact details: Colin White E: colin.white@credit-connect.co.uk T: +44 (0)1622 437014 W: www.credit-connect.co.uk
Deloitte Partner Deloitte LLP is a leading professional services firm committed to making an impact that matters for our clients, our people and society. We work across the breadth of banking and finance companies, bringing extensive skills and industry knowledge to the high quality audit, tax, consulting, risk, financial advisory and legal services we provide our clients. As part of a globally connected network of member firms in more than 150 countries, Deloitte’s industry specialists provide comprehensive, integrated solutions to the banking sector to help our clients meet their goals, plan new strategies and keep up-to-date on changes in technology, regulation and customer expectations. Visit Deloitte.co.uk/Banking to discover our latest insights and analysis. Contact details: Angus Heslop E: UKFSNetwork@Deloitte.co.uk T: +44 (0)20 7936 3000 W: www.deloitte.co.uk/Banking
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OPEN BANKING EXPO
Equifax
Financial IT
Equifax is a global information solutions company. We work closely with clients and industry associations to develop Open Banking solutions which help consumers and businesses more easily use their transactional data to access financial products and better understand their finances. Most recently we have formed a strategic alliance with consents.online, a digital consent management and AISP accredited Open Banking platform which for the first time allows UK consumers and small businesses to manage the sharing of their financial information. The partnership will allow consumers and small businesses to provide consent to organisations they would like to be able to access their financial data, and has already powered the UK’s first live consumer Open Banking journey for HSBC.
Financial IT is the online and print resource for fintech market analysis. We provide a unique and valuable forum for people involved in the change process to learn and exchange ideas and knowledge – as technology cements its pivotal role in supporting the financial markets. Financial IT also reflects the changing environment in business and operations when appropriate. It has been difficult for the media to reflect accurately the real values of technology, whether old or new, against the backdrop of aggressive development and marketing. This has confused the buyers in the marketplace and has detrimentally elongated the procurement process.
Partner
Contact details: Rohit Dwivedi
Media Partner
Contact details: T: +44 (0)20 8819 3253 W: www.financialit.net
E: rohit.dwivedi@equifax.com T: +44 (0)20 7298 3000 W: www.equifax.co.uk
Fintech Finance Media Partner
Experian Partner
Experian unlocks the power of data to create opportunities for consumers, businesses and society. At life’s big moments – from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – we empower consumers and our clients to manage their data with confidence so they can maximise every opportunity. We gather, analyse and process data in ways others can’t. We help individuals take financial control and access financial services, businesses make smarter decisions and thrive, lenders lend more responsibly and organisations prevent identity fraud and crime.
Fintech Finance works with prominent executives in the industry to provide key decision-makers globally within the foremost financial services organisations with consistent and accurate intelligence on emerging trends, breakthrough technologies and stimulating developments, helping them to make informed decisions. At Fintech Finance, we produce monthly video episodes looking at range of topics within financial services, as well as attending some of the most prominent events within the sector. Contact details: Ali Paterson E: ali@fintech.finance T: +44 (0)7786 005700 W: www.fintech.finance
Contact details: E: Business.Enquiries@uk.experian.com T: +44 (0)844 481 9920 W: www.experian.co.uk
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Fintech Futures Media Partner Fintech Futures is a digital publishing platform for the worldwide fintech community. Built on the renowned Banking Technology brand, FF provides daily news, analysis, content and expert commentary across a comprehensive range of areas: FinTech, BankingTech, PayTech, RegTech, WealthTech, LendTech and InsurTech. The FF brand incorporates: Monthly Banking Technology magazine in print and digital; Banking Technology Awards, an annual event recognising excellence and innovation in the use of IT in financial services, and the people who make it happen; and PayTech Awards, an event celebrating the best of the best in paytech industry. Contact details: Irena Andrisevic
Fintech Portugal Media Partner
Portugal Fintech is a startup centric network which brings together the key stakeholders of the industry – from founders, investors, regulators and academia, to incumbents in banking, insurance, consultancy and law firms – to create the best conditions for the development of the fintech ecosystem. The main initiatives intend to connect startups with new clients, provide them privileged contact with investors and help them navigate regulatory frameworks. Contact details: Simão Cruz E: scruz@portugalfintech.org T: +35 19 1253 9457 W: www.portugalfintech.org
E: irena.andrisevic@knect365.com T: +44 (0)20 7017 5379 W: www.bankingtech.com
Fintech Weekly Media Partner
Fintech North Partner
Fintech North is a not-for-profit, collaborative project conceived and created through the partnership of White Label Crowdfunding and Whitecap Consulting. Contact details: Julian Wells E: info@fintechnorth.uk T: +44 (0)113 834 3133 W: www.fintechnorth.uk
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#Fintech news and developments – curated with love for #tech, #finance and #payments. Once a week for free via mail, web or mobile app for iOS and Android. Contact details: E: micha@fintechweekly.com W: www.fintechweekly.com
OPEN BANKING EXPO
Fiorano Software
GDS Link
Founded in 1995, Fiorano is a global corporation with proven leadership in integration middleware, API management and peer-to-peer distributed systems. Fiorano products are used worldwide in the banking, healthcare, public sector, defence and logistics sectors to power high-performance, highly-available, collaborative digital systems, where services are distributed throughout the IT landscape, enabling paths to digitalisation. Global leaders including ABN AMRO, British Telecom, NASA, POSCO Steel, Rabobank, NHS, US Coast Guard and many others have deployed Fiorano to drive innovation & interoperability. For PSD2, the Fiorano PSD2 Accelerator provides banks with a single-stack, integrated and quickto-implement environment consisting of all the technology components required to deliver ASPSP Interfaces, covering XS2A, SCA and CSC, either in the cloud or in a traditional format.
GDS Link’s core platform, DataView360, provides its clients in multiple financial verticals with the power and flexibility to rapidly implement their credit risk strategies in support of their lending and account management practices. GDS Link’s data gateway provides easy and open access to a multitude of third-party data sources in support of risk assessment, fraud prevention and mitigation, income and employment verification processes. Our workflow component fulfils a client’s requirements for processing applications that require manual intervention. Founded in 2006, GDS Link is headquartered in Dallas, Texas with seven international offices including the United Kingdom and Spain.
Partner
Contact details: Sumit Kuhite
Partner
Contact details: Tony Kowalewski E: tony.kowalewski@gdslink.com T: +44 (0)7930 710662 W: www.gdslink.com
E: sumit.kuhite@fiorano.com T: +91 80 4017 0006 W: www.fiorano.com
MoneySuperMarket Corporate Partner
Fiserv
Partner Fiserv drives innovation in payments, processing services, risk & compliance, customer & channel management and insights & optimisation. A global leader in financial services technology, Fiserv is a Fortune 500 company and is on the Fortune Magazine “World’s Most Admired Companies®” list. Our solutions deliver intelligent experiences in banking, payments, engagement and security – experiences that help more than 12,000 banks, credit unions, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients provide financial services at the speed of life. Contact details: E: getsolutions@fiserv.com T: +44 (0)20 8833 3000 W: www.fiserv.com
MoneySuperMarket is the leading destination for customers to save money on their household bills. Last year we helped 8m families save an estimated £2bn on their household bills, including 5m people who saved money on their insurance, 2m who got a better deal on their finances and over half a million households that switched their energy supplier. Our ambition – to help households save money – is perfectly suited to the times in which we live. We aim to help by shining a light on the best ways households can take control of their finances. Our objective is to offer consistently competitive prices and deliver a great visitor experience, so that customers find what they want, and think of us first for their future needs. Contact details: W: www.MoneySuperMarket.com
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OpenWrks HEADLINE PARTNER We make Open Banking work to improve people’s everyday lives. By creating the technology that lets people confidently share their financial information with the businesses they trust, we want to give everyone access to the financial products, services, and tools that they need the most. Our founders know firsthand the challenges that financial services businesses and their customers face. They have poured their years of experience and insight into building an Open Banking solution that will help create a world where faster, better and more personalised financial products and services are available for all of us. Contact details: Gareth Bidder E: Gareth.Bidder@OpenWrks.com T: +44 (0)7940 555546 W: www.OpenWrks.com
The Paypers Media Partner
The Paypers is the Netherlands-based leading independent source of news and intelligence for professionals in the global payment community. Our products are aimed at merchants, payment services providers, processors, financial institutions, start-ups, technology vendors and payment professionals and have a special focus on all major trends and developments in payments-related industries including online and mobile payments, online/mobile banking, cards, cross-border e-commerce, e-invoicing and SEPA. We are also keen on keeping our readership informed with regard to online fraud prevention innovations and the most significant trends in the e-identity space. Contact details: T: +31 20 658 0652 W: www.thepaypers.com
Peer2Peer Finance News Media Partner
Payments Cards & Mobile Media Partner
In business since 1994, Payments Cards & Mobile is an established and award-winning hub for global payments news, research and consulting. We work with recognised industry experts to provide impartial, up-to-date and relevant information and analysis on every area of payments. Personal relationships have been the hallmark of our business. We remain committed to working closely with our many long-standing customers and welcome new customers in producing quality business intelligence and providing a variety of ways in which you can consume this information. Our aim is to provide you with the highest quality data so you can position your business and key personalities in this increasingly competitive industry. Contact details: T: +44 (0)1263 711800 W: www.paymentscardsandmobile.com
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The first online and print magazine dedicated purely to the fast-growing peer-to-peer finance industry, Peer2Peer Finance News offers highquality news, analysis, opinion and features relating to this exciting area of alternative finance. We pride ourselves on up-to-the-minute coverage of the key topics impacting the P2P industry and its investors, including specific analysis of property, business and consumer lending. The print version of the magazine comes out at the start of each month, complete with exclusive content. www.p2pfinancenews.co.uk offers daily news and analysis from Monday to Friday, alongside a daily and weekly e-newsletter. Contact details: Suzie Neuwirth E: suzie@p2pfinancenews.co.uk W: www.p2pfinancenews.co.uk
OPEN BANKING EXPO
Ping Identity Partner
The ID Co. Partner
Our mission is to simplify how enterprises provide secure and seamless digital experiences. For the world’s largest organisations, we help prevent security breaches, increase employee and partner productivity and provide personalised customer experiences. Enterprises choose Ping for a scalable and secure intelligent identity platform that supports diverse enterprise use cases and has been proven across more than half of the Fortune 100. They stay with Ping for ease of integration with their existing infrastructure and investments, hybrid IT deployment options that keep pace with their cloud strategy, world class network of partners, and Ping’s singular focus on enterprise customers and their success.
The ID Co helps businesses like lenders onboard their customers by removing friction caused in the application process by current challenges of risk, compliance, fraud and regulation. A global Scotlandbased fintech, The ID Co. has been pioneering the use of bank data and Open Banking since 2011 and is an active participant in the UK Open Banking initiative and a founding member of FDATA, Innovate Finance and Open Banking Excellence. Our business service DirectID solves key business pains such as assessing a customer’s affordability, verifying their account information and therefore offsetting credit risk. DirectID powers leading lenders such as Prosper, Marlette, Amigo and more.
Contact details: E: sales@pingidentity.com T: +44 (0)207 190 9105
E: sales@theidco.com T: +44 (0)845 119 3333 W: www.theidco.com/directid
Qualco UK
TransUnion
Partner
Qualco UK delivers technology solutions to the collections industry and specialises in panel and asset management. Clients report an increase in collections and a reduction in costs using Qualco systems and services. Systems include IntraCollect – an internal collections platform – and ExtraCollect – an external recoveries management platform. Our optional PortfolioManager service offers a fully-outsourced, panel management solution. Analytics, performance management, oversight, query management and account & invoice reconciliation are included. Contact details: Jan-Michael Lacey E: jlacey@qualco.co.uk T: +44 (0)1932 213340 W: www.qualco.co.uk
Contact details:
LAUNCH PARTNER TransUnion (formerly Callcredit) is a leading global risk and information solutions provider to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decisioning capabilities to businesses. Businesses embed its solutions into their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud. Consumers use its solutions to view their credit profiles and access analytical tools that help them understand and manage their personal information and take precautions against identity theft. Contact details: David Firth E: david.firth@callcreditgroup.com T: +44 (0)7802 799501 W: www.transunion.com/uk
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Trusona
Unisys
Partner
Partner
Trusona are leaders in delivering strong security people prefer. Trusona’s password-less multifactor authentication enables banks and TPPs to comply with PSD2 SCA requirements quickly and on budget, with minimal technology or business change. Trusona offers a PSD2 SCA compliant blend of dynamic authentication and patent-pending anti-replay technology embedded in your existing mobile apps, making it the most secure and seamless way to enable SCA across any channel. Designed for the customer in mind, Trusona’s industry-leading solution is preferred by 7 out of 10 people compared to legacy usernames and passwords. Trusona means your banking customers never need to remember or type anything to authenticate safely on any channel, including TPPs. SCA compliance and happy users. Who says you can’t have both?
Unisys is a global information technology company that builds high-performance, security-centric solutions for the most demanding businesses and governments on Earth. Unisys offerings include security software and services; digital transformation and workplace services; industry applications and services; and innovative software operating environments for high-intensity enterprise computing. For more information on how Unisys builds better outcomes securely for its clients across the government, financial services and commercial markets, visit www.unisys.com. Contact details: David Robinson E: david.c.robinson@unisys.com T: +44 (0)1895 237137 W: www.unisys.com
Contact details: Olly Brough E: ob@trusona.com T: +44 (0)7823 538872
Whitecap Consulting Partner
Whitecap Consulting works with board members, executives and investors of midsized organisations to facilitate growth aims and deliver strategy development, business planning and implementation support. Whitecap Consulting was founded by Richard Coates in May 2012, with the aim of helping clients shape and develop their vision into structured business strategies and implement them effectively to deliver P&L and enterprise value. Contact details: Julian Wells E: info@whitecapconsulting.co.uk T: +44 (0)113 834 3133 W: www.whitecapconsulting.co.uk
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Open Banking Expo is organised by Borough Bench Media, Kemp House, 152-160 City Road, London EC1V 2NX. Tel: +44 (0)20 7993 5159. www.openbankingexpo.com. November 2018. All rights reserved. No part of this publication may be reproduced, stored in an retrieval system or transmitted in any form, by any means, electronic, photographic, recording or otherwise without the prior permission of the organisers. Whilst every effort is made to ensure correct information at the time of going to press, the publishers cannot be held responsible for any errors or omissions. The agenda and speakers are correct at the time of going to press but are subject to change.
Questions for the speakers? Using your smart phone camera, scan this QR code. Insert the code 2711 and you can submit questions to the panel.