THE NEW FACE OF BANKING T here’s no question that retail banking is undergoing a huge transformation. A large part of this is driven by Open Banking and PSD2, while Google, Amazon, Facebook and Apple, along with other new players from outside of the industry, are already exploring the opportunities that this presents. Join this top-level community of bankers and innovators to find out how to step up and not only survive, but also thrive! AMONG THE ‘HOT’ TOPICS, DISCUSSED AT THE CONGRESS: How to tackle the aftermath of PSD2 Why the Plug & Play philosophy is key in an open banking era The NEW paradigm of digital transformation The evolution of leadership and culture Getting ready for future disruptive scenarios: how BigTechs and platformification can lead to a fundamental shift in the industry Yolande Piazza CEO Citi FinTech USA Neff Hudson VP Emerging Channels USAA USA Michael Freund Managing Director Credit Suisse Switzerland Lotta Lovén Head of Digital Banking Group Executive Committee Swedbank Sweden Valérie Eymard International Retail Banking Head of Innovation and Digital Transformation BNP Paribas France Manroop Khela COO, Retail & Business Banking Santander UK 45 TH EFMA CONGRESS IS PART OF THE ‘BEST EFMA WEEK’ IN ROME: DISRUPT www.efma.com/innovation17 INNOVATION SUMMIT 23-24 OCTOBER TRANSFORM www.efma.com/congress17 45 TH CONGRESS 26-27 OCTOBER AWARD www.efma.com/innovationawards17 BANKING AWARDS CEREMONY 25 OCTOBER 45 TH EFMA CONGRESS BANKING TRANSFORMATION Rome 26–27 OCTOBER #EfmaCg17
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45TH - Efma · Sophie Guibaud VP Europe Fidor Bank Germany 12.10 The rise of new business models and revenue streams Innovation and cooperation for future bank customers Banks are
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THE NEW FACE OF BANKING
There’s no question that retail banking is undergoing a huge transformation. A large part of this is driven by Open
Banking and PSD2, while Google, Amazon, Facebook and Apple, along with other new players from outside of the industry, are already exploring the opportunities that this presents. Join this top-level community of bankers and innovators to find out how to step up and not only survive, but also thrive!
AMONG THE ‘HOT’ TOPICS, DISCUSSED AT THE CONGRESS:
How to tackle the aftermath of PSD2 Why the Plug & Play philosophy is key in an open banking era
The NEW paradigm of digital transformation The evolution of leadership and culture Getting ready for future disruptive scenarios: how BigTechs and platformification can lead to a fundamental shift in the industry
Yolande Piazza CEO Citi FinTech USA
Neff Hudson VP Emerging Channels USAA USA
Michael Freund Managing Director Credit Suisse Switzerland
Lotta Lovén Head of Digital Banking Group Executive Committee Swedbank Sweden
Valérie Eymard International Retail Banking Head of Innovation and Digital Transformation BNP Paribas France
Manroop Khela COO, Retail & Business Banking Santander UK
45TH EFMA CONGRESS IS PART OF THE ‘BEST EFMA WEEK’ IN ROME:
Richard Peers leads Microsoft’s WW Industry team for Retail/Private and Wealth Banking. He has spent the last 20 years at Microsoft in sales, services and marketing leadership, with the last five years deeply engaged with clients, Fintech’s and partners in Financial Services... read more.
DISRUPTIVE AND PRACTICAL ADVICE ON DIGITAL TRANSFORMATIONEdoardo Demarchi
Edoardo Demarchi, Partner of Roland Berger focuses on digital innovation and transformation in retail banking, payments, and consumer finance. In the past few years, he has helped banks across Europe redraw the scope of their business models, develop new initiatives... read more.
SMARTER DIGITAL BANKINGBalazs Vinnai
Balázs is responsible for the retail digital channels business at Finastra (previously known as Misys). Balázs was formely the CEO of IND Group, specialised in the innovation and development of digital banking solutions that grew rapidly to a market leader in the EMEA region and was acquired by Misys in 2014... read more.
THE TRANSITION TO DIGITAL BANKINGPeter Redshaw
With over 30 years’ experience in IT and Banking, Peter is the Global Manager for Gartner’s Banking and Investment Services (BIS) Research team. His team’s two key initiatives focus on the hottest areas in BIS, helping banks to transform themselves and become digital platforms that can support many business models... read more.
EVOLUTION OF PLATFORM BUSINESS MODELS IN FINANCIAL SERVICESOliwia Berdak
Oliwia is a Senior Analyst serving eBusiness & Channel Strategy Professionals within the European consumer financial services sector. Her research focuses on the digital transformation of banking, insurance, and wealth management, mapping out digital strategies, adoption trends, and best practices. ... read more.
On top of a rich programme, Efma is taking the occasion of its 45th Congress to aggregate the best field experts from key industry players, who can provide a personalized answer to your most burning questions! A brand NEW feature, which allows each attendee to book up to 2 meetings of 15 minutes each, on 26 or 27 October, according to their availabilities. Demands are high and places limited, so book yours now!
Have a look at the list of experts and their field of expertise:
Please note that the meetings are reserved for representatives from financial institutions.
Leaping into the future of Open Banking through co-creation and fintegration Speeding up digital transformation by adopting openness as a core foundation for your business
and IT architecture Embracing a more open and innovative ecosystem to serve your customers, attract new ones,
and develop new revenue streams The Fountain of Digital Youth: Leveraging third parties to remain relevant to your customers for life
Yolande Piazza CEO Citi Fintech USA
9.00
9.50
Seizing the Open Banking opportunities & helping customers prosper Leveraging customer opportunities through Open Banking Santander UK’s approach to Innovation and Fin Tech Partnering Overcoming transition challenges to shift from a close to
open banking system environmentManroop Khela COO, Retail & Business Banking & Commercial Banking Division Santander UK
9.25
Yolande Piazza CEO Citi Fintech USA & Manroop Khela COO, Retail & Business Banking Santander UK
PANEL DISCUSSION: How to tackle the aftermath of PSD2
Open innovation in a global context
Valérie Eymard International Retail Banking Head of Innovation and Digital Transformation BNP Paribas France& Renaud Édouard-Baraud Head of Innovation BNPP International Retail Banking BNP Paribas France
STUDY PRESENTATION: Transformative banking: what does that really mean? Every bank now has a ‘digital strategy’ to transform and disrupt itself But is being innovative enough to actually differentiate you in the eyes of customers? What distinguishes a truly transformative bank from the also-rans and what does that mean for its partners
and its customers?Peter Redshaw Managing VP, Banking & Investment Services Research Gartner UK
10.10
11.10
Coffee break, networking and expert meetings 10.40
Lotta Lovén Head of Digital Banking, Group Executive Committee Swedbank Sweden & Sophie Guibaud VP Europe Fidor Bank Germany
PANEL DISCUSSION: Profitable models
Lunch & Networking12.45
Removing barriers to digital transformation
STUDY PRESENTATION: Providing insights on new models & opportunities: PSD2 and Open Banking Efma/Microsoft survey and report How to monetize the opportunities Process and infrastructure needed to be a utility bank or a distribution bank in the new paradigm How banks handle data in a GDPR world What do banks concede and where do they grow in the new paradigm
Richard Peers Banking Industry Director EMEA Microsoft UK
Building a successful digital bank which is now taking Europe by storm Success factors to build a digital only business model Building an ecosystem that drives revenue PSD2 as a key driver to new business models adoption
Sophie Guibaud VP Europe Fidor Bank Germany
12.10
The rise of new business models and revenue streams
Innovation and cooperation for future bank customers Banks are not always the fastest or best ones to develop services and can benefit greatly from the fintech
companies’ innovative power. In return, banks have access to a wide customer base that the smaller companies often seek. New, smart services must be able to scale up and be able to be used daily by millions of customers. How can fintech and bank together create amazing collaborations? What is required to succeed?
Lotta Lovén Head of Digital Banking, Group Executive Committee Swedbank Sweden
11.50
Beyond the password: Improve the digital experience without sacrificing security (or profit) with behavioral biometrics Behavioral biometrics within the context of multifactor authentication and PSD2 Using BB to deliver seamless authentication to improve and secure the consumer’s digital experience Reduce friction to smooth and increase transaction flow and decrease abandonment Stanch losses and liability by strengthening privacy and reducing identity theft, bot attacks, and unauthorized
transactionsAssaf Pilo Vice President, Sales SecuredTouch Israel
14.05
Will your software help or hinder digital transformation? The Backbase Perspective Cases from the field Enabling better IT & Business collaboration
Matthijs Eijpe Regional Sales Director Backbase Netherlands
Governance & Organisation: taking banking to the next level
Rethinking development through co-creation with our customers Dividing management attention and resources across new models for innovation, growth and development -
Examples of how new types of innovation accelerate customer Matching customer expectations, new business opportunities and trends - Developing a 2nd generation mobile app
Line Munkholm Haukrogh First VP, Head of Digital & Payments Danske Bank Denmark
Digital Transformation in retail banking: the Isbank case Isbank’s response to phenomenal shifts as a result of digitalisation Hybrid distribution models in retail banking Innovation and Eco-system development approach of Isbank
Burak Sezercan Head of Retail Banking Marketing Division Isbank Turkey
15.10
15.30
Coffee break, networking and expert meetings 16.00
17.00
18.30
Line Munkholm Haukrogh First VP, Head of Digital & Payments Danske Bank Denmark & Sonia Wedrychowicz Managing Director, Head of DBS Consumer Bank Technology DBS Bank Singapore & Yolande Piazza CEO Citi Fintech USA & Asmae Hajjami Deputy General Manager Société Générale Morocco & Session moderated by Sophie Guibaud VP Europe Fidor Bank Germany
Closing the leadership gap by having more diversity in leadership and the work environment in the banking sector in the digital era
CLOSING REMARKS
Cocktail party by Finastra18.45
Coffee break and networking15.25 The synergy of web and bank data - how to improve profitability with machine learning credit scoringAssaf Binstock CEO & Co-Founder BeeEye IT Technologies LTD Israel
16.40
Outstanding women in finance
Fintech showtime
Coffee break and networking15.25 The digital vault as an innovative way to strengthen customer loyalty and engagementTobias Christen CEO DSwiss AG Switzerland
16.30
26 OCTOBER
2017
Coffee break and networking15.25 The service formerly known as banking - and the opportunity it creates for banksDaniel Kjellén CEO & Co-Founder Tink Sweden
Making your customer the centre of your total operating model Know your customer: What are they trying to accomplish? What makes them anxious? How do
they want to interact with you? Organize around the customer: Create a constructive engagement strategy that breaks down
product silos Have a higher purpose than profit: Motivate your employees and customers by creating shared
objectives. Earn customer forgiveness for mistakes by doing the “right thing,” even if it you make a mistake.Neff Hudson VP, Emerging Channels USAA USA
STUDY PRESENTATION: Becoming digital at scale, for good Where is the digital transformation of the leading banks standing Overcoming challenges when moving from “digital overlay” to “core digital” and beyond
Axel Reinaud Senior Partner & Managing Director BCG France
9.00
10.20
10.00
How we use customer centricity to create good design Companies that are design-centric are leading their fields We aspire to emulate the best attributes of these thought-leaders and combine their approaches to meet the needs of our customers.
Michael Freund Managing Director Credit Suisse Switzerland
9.20
Neff Hudson VP, Emerging Channels USAA USA & Aalishaan Zaidi Global Head Retail Digital Standard Chartered Bank UK & Michael Freund Managing Director Credit Suisse Switzerland
PANEL DISCUSSION: Customer centricity & trust
Coffee break, networking and expert meetings 10.50
Going digital with a human touch Delivering high tech services to clients is not enough. Infusing an obsession for client experience and making it part of the DNA. Changing the way we think, the way we produce and the way we interact.
Aalishaan Zaidi Global Head Retail Digital Standard Chartered Bank UK
Challenge yourself: create the digital future of your bank The strongest banks are those who are able to successfully implement, monetise and grow their digital and
mobile footprint faster than the competition Where are you on your path to creating the digital future of your bank? Can you safely say your existing core and digital infrastructure will enable you to cope with future customer
needs and market trends to meet your bank’s KPIs?Balazs Vinnai Chief Digital Officer, Digital Practice Finastra International Limited UK
Next, a new digital journey The transformation brought about by Millennials Next in Bradesco Bank ecosystem A new market, a new opportunity Next ‘s solutions ecosystem
Jeferson Ricardo Garcia Honorato Executive Superintendent NEXT Bradesco Bank Banco Bradesco Brazil
Optimising distribution for a competitive advantage: the AIB story Transforming the distribution model: focus on efficiency and cost to protect margins Developing new channels for revenue: focus on revenue streams Harnessing digital and physical to win
David Rath Head of Strategy & Support Allied Irish Banks Ireland
12.45
Open banking and PSD2 in Europe, and the evolution of platform business models in financial servicesOliwia Berdak Senior Analyst Forrester Research UK
11.50
Learning from other industries and new paradigm of digital transformation
Realizing a digital transformation strategy through industry standard TMF Open APIs Digital Transformation & why it matters Growing your business in an ecosystem through partnerships APIs & IT enablers to business agility and reduced time to market TMF Open APIs, industry agnostic enablers to digital transformation BT Case Studies, examples of products & services brought to market quickly through Open APIs New products beyond traditional business base How traditional existing services can be transformed
Joann O’Brien VP, APIs & Ecosystems TM Forum USAGeorge Glass Chief Systems Architect BT Group Ireland
Resetting the human capital model to emphasize agility and rapid learning Integrating different disciplines and functions to work in nimble, mission-focused teams Shifting culture to focus on rapid learning Aligning incentives to promote collaboration and risk-taking Reskilling your way of building leadership talent and acquiring critical skills
Steve Naude Head of Africa and Middle East Banking TransferWise UK
16.20
16.45CLOSING REMARKS
End of conference17.20
The evolution of leadership & culture: embracing agile
What good digital looks like: Emirates NBD case study Emirates NBD’s digitization journey: from fixing the basics to re-imagining banking for the future Planning for multi-channel transformation Key success factors to winning at the digital moment-of-truth
Shekhar Krishnamurthy Head - Retail Strategy, Retail Banking Emirates NBD United Arab Emirates
16.05
Coffee break, networking and expert meetings 15.35
Harnessing digital to transform the operating model to fend off margin erosion from efficient competitors Adopting a ‘Greenfield’ mind-set Engaging all functions and leaders to achieve outcomes Conviction-based leadership from the top
Vladimir Stasevich Online Products Head Sberbank Russia Federation
15.05
Decoupling Core Banking from Digital Banking - Unleashing Innovation
Roy Zakka Chief Executive Officer Ubanquity Systems Ireland
14.50
Open banking: how to deliver superior customer experience through API integration with Fintech solutions - a digibank case study by DBS How to implement a bank in 8 months and reach 1 million customers in less than 1 year of operation Designed for no branches, no contact centres and no operations Seamless integration with Fintech state-of-the-art modern technology Lessons learned after the first 12 months of operations
Sonia Wedrychowicz Managing Director, Head of DBS Consumer Bank Technology Singapore DBS Bank Singapore
DATESThe 45th Efma Congress will begin with a welcome coffee on Thursday 26 October 2017 at 8.15 and will end on Friday 27 October 2017 around 18.00.
LOCATIONSheraton Parco de Medici.Via Salvatore Rebecchini, 3900148 Roma, Italy
LANGUAGES All sessions will be held in English
ACCOMMODATIONA block of rooms has been provisionally reserved for the nights of 25 and 26 October
2017 at the Sheraton Parco de Medici Rome Hotel. The cost of a single room type superior is 145€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night), for a double room type superior the price is 165€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night).
REGISTRATION The registration fee covers participation in the 45th Efma Congress, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event.
We welcome late-bookers, but credit card information must be provided
CANCELLATION All cancellations must be received in writing. A 20% cancellation fee will be charged for all cancellations received on or before Monday 9 October 2017. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided. Substitutions are accepted at any time.
By bank transfer to Efma Sarl bank account IBAN: FR 76 1027 8060 4700 0208 2420 111BIC: CMCIFR2A Crédit Mutuel CCM PARIS 17 ETOILE, 30 Avenue Niel, F- 75017 Paris
By credit card: MasterCard Visa American Express
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Please send this registration form by email at [email protected] or fax +33 1 47 42 56 76
PAYMENT
REGISTRATION FEE
€ 0 for 2017 Efma Premium Pass holders - www.efma.com/premiumpass € 1,600 for Efma members and associate members € 2,400 for representatives of non-member institutions
VAT not applicable. All registrations are strictly individual.
www.efma.com/congress17
45TH EFMA CONGRESS: BANKING TRANSFORMATION | REGISTRATION FORM
26–27 OCTOBER
2017
Do you plan to join this event with your team? Good news, discounts apply for group registrations! Contact [email protected]