Why you should join Bank+Fintech

Discover Efma’s pick of first-rate Bank+Fintech partnerships in the industry today, and learn from their best practices to drive successful collaborations within your own organization.


Unique concept

Learn from Bank+Fintech love stories - why they work together, challenges, main outcomes and lessons learned

Variety of formats

Interactive sessions, thought-provoking face-offs, panel discussions, on-site visit to FinLeap, Fintech village visit, workshops, and more


Designed to offer a trusted environment empowering industry executives to connect, this human-sized event will allow you to make the right connections for your business

Efma community

Experience the sharing culture that we create and foster at our events and beyond. As a member, get introduced to other Efma members attending the event

Information about COVID-19

Get Experience What’s at stake? Bank+Fintech will provide answers

Speaker line-up

Jasper Staal

Lead Product Owner Data Marketplace

Erica Josefsson

Director, Program Management

Yaniv Altshuler

Co-Founder and CEO@Endor and Research Fellow at...

Carlo Panella

COO - Head of Direct Banking &...
illimity Bank (Italy)

Dorel Blitz

Vice President Strategy & Business Development

Gali Moreno Amir

Head of Open Banking, Digital and Data...
Israel Discount Bank

Johnny Daly

Customer Success Manager, EMEA

Paul Louis Iske

Chief Failure Officer & President
Institute of Brilliant Failures

Escolástico Sánchez Martínez

Executive Director

Chris Gledhill

FinTech Infuencer

Rui Manuel Negrões Soares

Head of Digital Bank Department
Caixa Geral de Depósitos

Radboud Vlaar

Founding Partner
Finch Capital

Lars Sjögren

CEO P27 Nordic Payments Platform AB
P27 Nordic Payments Platform AB

Andrea Lecce

Executive Director Sales & Marketing Retail -...
Intesa Sanpaolo

Niall Buckley

Head of Digital Ecosystems

Kristen Morrow-Greven

Director, Payments EMEA

Lincoln Teo

Head of Asia Pacific & Senior Advisor

Pēteris Zilgalvis

Head of Unit, Digital Innovation and Blockchain...
European Commission - Commission Européenne

Ohad Maimon

Executive Vice President Business Development & Strategy

Ondrej Knot

CEO and Co-Founder

Elena Lázaro

Digital Strategy Manager
InnoCells by Banco Sabadell


Lemon Way

Matthias Kröner

Founder and former CEO of FIDOR
Fidor Bank Germany

Kasper Almar Mortensen

Head of P27 Programme – Payments
Danske Bank

Anne-Sophie Gardette

Head of Product
BNP Paribas

Vincent Bastid


Claire Calmejane

Chief Innovation Officer
Société Générale

Enrique Lizaso Olmos

Founder & MD
Multiverse Computing

Rudradeb Mitra

AI and Machine Learning expert

Ole Madsen

Senior Vice President, Communication & Innovation
Spar Nord Bank

Amir Sabo

Customer Success and Experience Manager

Martin Kobza

Head of Digital
Erste Group Bank

Viktor Möllborg

Senior Partnership Manager

Elias Ghanem

Vice President, Global Head of Market Intelligence,...

Meaghan Johnson

Senior Advisor

Michal Brcak

Head of Product Management for Enterprise Services
T-Mobile Czech Republic & Slovak Telekom

Philippe van Fraechem

General Manager, North Europe & Worldwide Programme...

Mukund Umalkar

Head of RegTech Partnerships
ING Bank

Due to the evolution of the rapidly spreading coronavirus outbreak, Bank + Fintech 2020, that was set to take place in Berlin on 21-23 April, is now postponed to 21-23 October 2020 and will be held in Madrid. Here’s a preview of the agenda that we’ve put together for the event in April. This is now subject to change, but it gives you an idea of what you can expect in October – hope to see you there safe and sound!


9.00 - 9.30 AM

Attention is focusing on the large platforms and the many ways in which they are starting to get involved in financial services, skimming value from the profit pool, while being careful not to step so close that they become regulated.
That’s a big story...

10.00 - 10.30 AM

Too many fintechs? An overview
10.50 - 11.10 AM

- Effective collaboration requires the right mindset, people, selection processes, technology and adoption … are you ready
- Choosing the most qualified startup is also essential… how do you do it?
- We’ll share a global map comparing more than 50 banks with regard to their maturity stage for effective collaboration with the startup ecosystem.

12.15 - 12.35 PM

12.35 - 2.00 PM

Advanced technology to boost customer experience (AI and quantum)
2.00 - 2.25 PM

- Exponential problems are the type of problem traditional computing is never going to be able to solve, but don’t panic...
- Quantum computing and their qubits are here to address those problems...it's the dream of theoretical mathematicians and physicists, and the nightmare of engineers, but maybe for not much longer...
- Quantum Advantage is less than four years away.

2.25 - 2.50 PM

- Portugal’s biggest bank CGD partnered with Tink to reach every banking customer in Portugal.
- DABOX, the bank’s standalone personal finance (PFM) app, was launched just six months later – giving their four million customers control over their finances.
- Now another six months after launch, they’re looking beyond PFM and deepening their strategic relationship with Tink to explore new data-driven business models.

2.50 - 3.15 PM

- How do we leverage AI technology to enhance relationships with our customers?
- How do we create added value for traditional banking in the world of AI?
- It's all about engagement - the triple layered service solution.

4.30 - 6.30 PM

The world of finleap: # 1 European Fintech Ecosystem
- Introduction to finleap.
- Core business (The finleap abc: handling investor relations & managing portfolio companies in finleap assets; building stand-alone fintech & insurtech business models in finleap build; finleap connect as Software as a Service).
- Our goal is: reshaping finance together, for example by digitizing the financial sector with institutional partners.

Short trip to our amazing rooftop terrace with a view over West Berlin, then splitting into groups

Two different workshops:

Group A
CrossLend: How banks can take advantage of a digital debt marketplace to transform an illiquid asset class into a liquid one, grow their origination, find new investment opportunities and handle upcoming challenges such as stricter capital requirements, internal limits and digitalization (interactive component: integrated surveys via sli.do, where the public can vote during the presentation and it will be shown live).

Group B
finleap connect is finleap's SaaS provider. The products and services include existing SaaS and PaaS innovations such as “RegShield”, “Switchkit”, “Open Banking APIs” and “SME Banking” as well as new end-to-end financial solutions and products.

Product demonstrations from solarisBank, ELEMENT or Elinvar.

18.30 Return to the KOSMOS by bus
Karl-Marx-Allee 131a
10243 Berlin

Open banking: how banks create Market Places with fintech
8.45 - 9.10 AM

- CEE is a region of many small countries each maintaining their local languages and local market specifics, which makes scaling across CEE difficult.
- George is a unique digital ecosystem of ERSTE group that will spread across 6 countries and over 7 million users by EOY 2020.
- Dateio is a start-up specialized in card-linked loyalty solutions and transaction enrichment, hungry to grow across the CEE.
- Dateio integration in George brings win-win for customers, ERSTE group and Dateio.
- ERSTE customers will get cash-back on their purchases, ERSTE increases customer loyalty and George engagement and Dateio accelerates its growth in CEE.

9.10 - 9.35 AM

- Direct Bank with a fully-fledged banking value proposition, that includes open banking-powered products such as loans, insurance, FX exchange, mortgages, etc. powered by a strong AI engine to offer best-in-class financial products and services to our customers.
- Case study of a fintech partner: Fabrick.
- Open banking: lessons learned and next steps after 6 months from PSD2.
- Which strategies can be really enabled by PSD2?
- The role of technology in implementation end success.

9.35 - 10.00 AM

- We want to transform the way estate agents do business, digitize the legal process and revolutionize how banks lend to their customers.

10.30 - 11.00 AM

Deep-dive workshops
11.00 - 12.30 PM

- Past: financial institutions have been fined over $300 billion in the past 10 years – how can new technologies help solve complex regulatory challenges? Hear about ING’s journey over the past 3 years and how it is driving innovation through RegTech partnerships.
- Present:
° Case study 1 (Exate) - How to leverage data-assets and enable cross jurisdictional teams in a post-GDPR world.
° Case study 2 (Ascent RegTech) - How AI can help automate compliance and help us to keep on top of our obligations.
- Future: Take a sneak peek into the Future of RegTech – a perspective from ING

11.00 - 12.30 PM

- What banks are doing to adopt AI/ML (with 3-4 use cases from the banking sector).
- The challenges faced by banks.
- How banks can work with startups to overcome those challenges.

12.30 - 2.00 PM

Successful digital wallets and payments via fintech collaboration
2.00 - 2.20 PM

- How does Netflix engage with banks today? (And how is this different from most merchants?)
- How does this collaboration benefit the customer?
- Case study of several different partnerships we've created in Europe.
- Biggest challenges for us and how banks could innovate in this area (or where fintechs might step in).

2.20 - 2.40 PM

- Purpose and key benefits of the Nordic payments superhighway.
- Collaboration between owners, investors and fintechs.
- The initiative is so far supported by Danske Bank, Handelsbanken, Nordea, OP Financial Group, SEB and Swedbank.
- Key learnings and success factors.
- Nordics as a role model for sector collaboration.

2.40 - 3.00 PM

- InnoCells is the digital innovation hub and corporate venturing arm of Banco Sabadell.
- Mitto is a prepaid card for young people from 14 years of age.
- It was created from scratch within InnoCells to cover the needs of teenagers (young people needed their own payment method) and to build a differential product specially designed for the GenZs.
- Internal innovation + spin out with direct market impact.
- Creating a talented independent team.

3.00 - 3.20 PM

- Giving the bank the technological means and ensuring payment efficiency for marketplaces’ customers.
- Common values and embracing differences between entities: key for success.

4.30 - 6.00 PM

The Efma-Capgemini Financial NewTech Challenge 2020 rewards the most innovative Financial NewTechs in commercial and retail banking, payments, wealth management, investment and capital markets, alongside the most inspiring Bank + Financial NewTech collaborative projects at scale.
The Efma-Capgemini Financial NewTech Watchlist 2020 will also be unveiled during the ceremony. Both the Challenge and the Watchlist are powered by the FinTechVisor portal, designed to foster collaboration between financial NewTechs and financial institutions.

16:00 – 16:15 Welcome speech & intro
Elias Ghanem, Capgemini/Vincent Bastid, Efma
Presentation of the Efma-Capgemini Financial NewTech Watchlist 2020

16:15 – 17:15 NewTech Category
• Introduction of winners
• 5-minute Start-Up pitch x 3 winners
• 5-minute Scale-Up pitch x 3 winners

17:15 – 17:50 Financial NewTech Collaboration Category
• Bank + NewTech winner presentation + Q&A x 1 couple winner

17:50 – 18:00
Closing speech – FinTechVisor and next steps

8.30 - 8.45 AM

Customer data and analytics
8.45 - 9.10 AM

- At Intesa Sanpaolo, one of our main goals is to help our customers make their dreams come true. In such a context, financial coaching is not only a new service, but a real-life companion supporting each customer, by providing them with personalized daily communications and advice based on their interests.
- Starting from the customer’s interests and needs, we have leveraged a wide range of push notifications to flank digital money box “XME Salvadanaio” subscription and adoption.
- Designing a new financial coaching product based on marketing capabilities that create and deliver informative and practical notifications leveraging “Personetics”, a money management platform based on Artificial Intelligence.
- Technology is the invisible engine for our financial coaching solution, it is the enabler to guide our customers towards better financial behavior and ultimately to guarantee differentiated experiences.

9.10 - 9.35 AM

- Data monetization machine transforms data-rich companies, such as CSPs and banks, into local google-like ads and analytics platform, available for the public good of communities and business.
- Dollar value, further monetization of fixed costs with huge customer database.
- Everybody hates marketing, but not if relevant local info is delivered.
- Public good data insights, data factory is a paid service supplier for government, municipalities.
- University talent attraction, working with big data for local community.

9.35 - 10.00 AM

Most of the data filling your data lake is raw, unstructured and rife with data quality problems. If you are going to get maximum value from your data lake investment, data preparation is critical.

We have created a checklist to guide you through six steps you should take to improve agility, productivity and consistency when preparing data for a modern data architecture:
- Choose a data preparation solution that integrates natively with your cloud platform.
- Use data preparation to increase efficiency and coordination among stakeholders.
- Don't rebuild what works; choose the right use cases.
- Empower users with self-service while maintaining data governance.
- Ensure data quality with at-scale and continuous validation.
- Publish and operationalize preparation for downstream analytics and machine learning.

10.00 - 10.25 AM

- MAX, one of Israel's leading payments companies and Endor, an AI powered based business predictions start-up, have joined forces to utilize and empower the rich data hidden in payment transactions.
- We will shortly introduce Endor's solution, and present the ins and outs of social physics, the use case and results of this partnership, and its contribution to credit sales in MAX.

10.25 - 11.00 AM

11.00 - 1.00 PM

10 small fintechs pitching on brilliant ideas or solutions
also love story bank + fintech couples

1.00 - 2.30 PM

2.30 - 3.30 PM

- Best practices of major Asian banks in digital strategy and customer experience
- Case studies and trends of tech giants such as Alibaba, Tencent, Ping An, etc.
- Collaboration between tech giants and major banks

5.00 - 5.00 PM

Special features

Efma-Capgemini Financial NewTech Challenge 2020

The Challenge rewards the most innovative Financial NewTechs in commercial and retail banking, payments, wealth management, investment and capital markets, alongside the most inspiring Bank + Financial NewTech collaborative projects at scale.

Deep-dive workshops

Unleash your potential of collaboration during deep-dive workshops. Brainstorm ideas together with your peers on today's most pressing matters.

Private meetings

Efma offers participants belonging to a financial institution to ask a question to a renowned expert within a 15-minute face to face meeting
Get full advantage of this opportunity and meet up to 3 renowned experts during 15' at the breaks.
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Andrea Lecce

Retail and SME
Intesa Sanpaolo

Rudradeb Mitra

AI and machine learning expert

Michal Brcak

Head of Product Management for Entreprise Services
T-Mobile Czech Republic & Slovak Telekom


Register now

2-day pass

  • €2,400 for non members
  • €1,600 for Efma members


3-day pass

  • €3,600 for non members
  • €2,400 for Efma members
  • €2,000 for associate members & sponsors
  • €995 for FinTechs
  • FREE for Efma Premium Pass holder
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