SME Banking Summit

Conference
Vienna
13 to 14 June 2019

Event guide

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Thursday 13 June 2019 - SME Banking Revolution: Business Ecosystems, Beyond Banking Offerings, Augmented Strategy

08.00
Welcome coffee & registration
08.45
Day 1 opening remarks from moderators

08:45 - 09:00
Meaghan Johnson
Efma
Senior Advisor
United Kingdom
Jason Storsley
Royal Bank of Canada
Vice President, Small Business
Canada
09.00
Global SME Banking Landscape
What can we expect from this session ?
09:00 - 11:00

Global SME banking landscape
- Cut the costs
- Increase the cross-sell
- Monetize your potential and find new revenue streams
- Focus on what keeps SMEs awake
- Imply subsegmentation, targeting and personalization


SMEs in CEE reality check
- Spotlight on CEE markets from key regional players
- SMEs expectations vs. banks' capabilities
- The state of the competition (internal/external)
- Key initiatives and focus for becoming lifetime business partners for "our" SMEs

Building a sustainable business around solopreneurs
09:00 - 09:25
Sibylle Strack
Kontist
CEO
Germany

- Customer experience that fits the lifestyle
- Automation and integration - help with budgeting and real-time insights 
- Extending beyond core banking into relevant ecosystems

The next generation business account: a new paradigm
09:25 - 09:50
Jamie Devlin
Revolut
Head of Business Development & Partnerships, Product Owner
United Kingdom

- Incumbent banks - greed and laziness: how they've failed needs of the businesses
  of today
- Stories from the coalface
- How technology and innovation have given a competitive advantage to challengers

Building an effective digital ecosystem for corporate customers. A 4-year case study from sberbank
09:50 - 10:15
Evgeny Kolbin
Sberbank
Vice-president, Director of Digital Corporate Bank Division Head at Sberbank of Russia
Russian Federation

- Helping our SMB’s with daily entrepreneurship must-do’s by introducing 20+ services “beyond banking”
- Finding the right balance between inhouse and partnerships solutions
- Services packaging and delivery
- Open APIs to integrate vendors and bring seamless UX for customers
- Next big thing? – monetizing the Ecosystem

Digital-First SME Banking
10:15 - 10:30
Bob van Heumen
Backbase
Head of Business Development
Netherlands

- How do you stay relevant when disruption is knocking on your door demanding for change?
- Leverage ecosystems – crucial for delivering superior experiences
- How to design superior experiences and all the steps that follow in order to execute it – practical tips and best practices

SMEs in CEE reality check - panel discussion
10:30 - 11:00
Ivan Radnai
NLB Nova Ljubljanska Banka
General Manager – Strategy and Business Development
Slovenia
Gergely Tyukodi
OTP Bank
Senior Manager
Hungary
Clemens Mueller
Erste Group Bank
Executive Assistant to Board
Austria
Slavoljub Dordevic
Raiffeisen Bank International
Head Consumer & Small Business Banking
Austria
11.00
Coffee break & Networking
11.30
Disrupting key SME banking functions
What can we expect from this session ?
11:30 - 13:00

Holy grail of business banking: lending and collection
- Minimizing the "opportunity costs" from being wrongly careful
- Reducing credit risk by creating new advanced risk management tools
- Digitization, automation and effective collection
- Agility is the key


Acquiring more SMEs through seamless and faster processes
- Eliminating bureaucracy and opacity
- Reducing waiting time from days to minutes
- Extending capacity to serve them all 

Building a 2.0 version of Kabbage-like business bank
11:30 - 11:55

- Risk // How elnvoicing and eTaxing + Machine learning are changing the way
  we understand risk
- Collections and asset backing // Securitization on the fly of receivables
- Distribution // full digital experience and the crucial role of the customer success team
  in getting it right for SMEs

Superfast small business loans
11:55 - 12:20
Neil Evans
OakNorth
Head of Credit Risk
United Kingdom

- Digital/fast decisioning, contracting and disbursement
- Part of the bank’s bigger umbrella programme to streamline, automate and digitize
  key processes
- Initial deliverable: a blueprint outlining everything that needed to be done
- The second deliverable: MVP (Minimum Viable Product)
- The ultimate deliverable: an agile process

Delivering digital banking experience
12:20 - 12:30
Bela Ver
Appello
CEO
Hungary

- Digitalization is the key to competitiveness
- Automation in the lending processes
- How to handle exceptions in the process
- Benefits of digitalization – seamless borrowing experience for the end user

Transforming SMEs on-boarding: make it end-to-end digital
12:30 - 13:00
Jorge Herrando
Santander
Digital transformation for SMEs Group VP
Spain
Carlos Ortega Bedmar
Banco Santander
Head of Strategy& Projects SMEs. Santander España
Spain

- Redesigning the main customer journey to build a new SME banking concept
- Leveraging new technologies (artificial intelligence, biometrics, etc.) with a customer-centric vision
- A new on-boarding for non-customer SMEs: digital, simple, faster, responsible & more efficient

13.00
Lunch & networking
14.15
Coopetition and partnerships - part 1 : Accounting services, accelerators, Fintechs integration
What can we expect from this session ?
14:15 - 16:00

Accounting services, accelerators, Fintechs integration
- Scouting and supporting before partnering
- Picking the right partner
- Plugging-in vs. buying-in
- Offering accounting services as an initial step

Merging banks & new generation ERPs: establishing a strong ecosystem to
14:15 - 14:50
Fredrik Ljungblad
SEB
Segmentmanager SME, Corporate Market SEB
Sweden
Malin Ringdahl
PE Accounting
Chief Growth Officer
Sweden

- enhance customer value proposition
- enable business growth
- make everyday life easier for the customer

Innovation in SR-Bank
14:50 - 15:15
Møyfrid Risdal
SpareBank 1 SR-Bank
Senior Project Manager
Norway

- About Gründerhub and how it’s affecting our organization
- Making banking easier for SMEs
- How we capitalize on having an accounting firm in the group

How technology enables coopetition – the case of interoperable e-invoicing
15:15 - 16:00
Gergely Tyukodi
OTP Bank
Senior Manager
Hungary
Katalin Kauzli
PartnerHub Zrt - Charlie India
Business Development Director
Hungary

- Invoice related services for SMEs integrated with online banking solutions
- Bank to become a new data and integration hub while offering value added services
- Win-wini-win-win model: bank’s business goals, new services to SMEs, inter-banks coopetition
  and lower costs
- OTP eBIZ case study demo

16.00
Coffee break & networking
16.30
Coopetition and partnerships - part 2 : Open banking, Open boarders, Beyond Fintechs partnerships
What can we expect from this session ?
16:30 - 17:40

Open banking, open borders, beyond Fintechs partnerships
- Real opening of your banking or just following PSD2?
- Finding right partners in other industries
- Creating banking alliances beyond borders

Open banking as an SME banking growth lever
16:30 - 16:55
Pascale Devriese
BNL Gruppo BNP Paribas
Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group)
Italy

- Closer to the customer: meeting the needs of SME customers through a combination of banking/non-banking services and products
- Creating value by combining the partner’s strengths
- Bank as a service/bank as a platform
- BNL mobility case study: Telepass X Biz

Early warning: fundament of a profitable SME portfolio
16:55 - 17:15
Tamás Erni
Loxon Solutions
Managing partner
Hungary
Mahdi Kilani
Abu Dhabi Islamic Bank
Head of Business Banking
United Arab Emirates

- The role of early warning
- Gaining strong customer experience through a proper EW process
- EW: preparation for the next crisis
- Newest methods, using AI in the EW process

How to build a FinTech from scratch in a collaborative approach
17:15 - 17:40
Clemens Mueller
Erste Group Bank
Executive Assistant to Board
Austria

- 12 banks team up to offer a completely new technology-enabled customer experience
- Key learnings from the process and co-creation outlook
- Challenges that need to be taken into consideration in such a project

17.40
Global launch of Efma SME banking initiatives 2019/2020

17:40 - 18:00
Lukas Dzuroska
Efma
Country Manager Baltics, Nordics, Poland, Turkey, Georgia
Slovakia (Slovak Republic)
18.00
Vcita sponsored cocktail

Friday 14 June 2019

08.00
Welcome coffee & registration
08.45
Day 2 opening remarks from moderators

08:45 - 09:00
Meaghan Johnson
Efma
Senior Advisor
United Kingdom
Jason Storsley
Royal Bank of Canada
Vice President, Small Business
Canada
09.00
SME banking growth beyond financial services offering
What can we expect from this session ?
09:00 - 11:00

Learning from e-commerce industry
- Competing in A-players industry: imagine that disruptive fintech in your industry is Amazon, Alibaba,
  Allegro or Alza
- Sustainability in business offering
- No need to be the first, while you may learn from mistakes  


Building SME ecosystems beyond banking
- Being fan first and becoming customer later
- From changing the mindset to changing the culture
- Boosting adoption
- Moving from direct revenues to potential revenues
- Introducing freemium offers model

Remain a preferred choice when competition bites (for SMEs)
09:00 - 09:30
Michal Ulicny
eBay
Global Business Strategy
Switzerland

- Spot key disruptions
- Know where you fail
- Go for less that works more
- 'So what' for banking

From Business Banking to the Go-To Platform for Dutch SME’s
09:30 - 10:00
Jack De Mooij
ING Bank
Tribe SE, Micro, SME and MidCorp, Product Area Lead
Netherlands

- Changing the SME Business Banking Model form ‘old-school banking’ to a platform approach
- Going beyond banking: creating an excellent digital customer experience, even if you do not have
  the products or services yourself
- Lessons learned on corporate innovation and co-creation between a big bank and FinTech

Integrating into the customer’s 9am to 12pm day
10:00 - 10:30
Nikoloz Kurdiani
TBC Bank
Deputy CEO
Georgia

- Touch-points we should have with customers
- Vertical integration
- Non-banking support
- Subscription based banking as a service

Small business banking? Rather Small business platform
10:30 - 11:00
Luis Rodriguez
Strands
Chief Product Officer
Spain
Marcus O'Toole
Mastercard
VP Global Small Business Segment Europe
United Kingdom

- How to create a successful ecosystem
- How to maximise value creation for all players
- Mastercard and Strands small business platform 

11.00
Coffee break & networking
11.30
Identifying the right business model
What can we expect from this session?
11:30 - 11:40
Gorkem Cokcetin
Emirates NBD
VP- Fintech Engagement, Group Digital Office
United Arab Emirates

Million dollar question:
building a separate business bank or developing a strong business banking?
- Running your SME bank vs. doing SME banking in your bank
- Building digital SME bank vs. digital transformation in SME banking
- Heading business banking vs. being CEO of a business bank

Fireside panel discussion
11:40 - 12:15
Boris Dyakonov
Tochka Bank
CEO, Senior VP at Tochka Bank Russia & Anna Bank UK
Russian Federation
Pascale Devriese
BNL Gruppo BNP Paribas
Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group)
Italy
Jack De Mooij
ING Bank
Tribe SE, Micro, SME and MidCorp, Product Area Lead
Netherlands
12.15
AI in SME banking workshop session
Moving from pain to pleasure
12:15 - 13:00
Boris Dyakonov
Tochka Bank
CEO, Senior VP at Tochka Bank Russia & Anna Bank UK
Russian Federation

- Lessons learned from growing the largest digital-only SME bank
- Pain as the core of SME banking innovations in the past
- Please as the driving force of the future innovations

13.00
Lunch & networking
14.15
Following the customers journey
What can we expect from this session ?
14:15 - 16:30

Open banking, open borders, beyond Fintechs partnerships
- Being a business partner of your SME customers = your customer success will be your success
- Start with microfinancing
- Help them to grow (lending, international trade, advisory)
- Serve them big

Unleashing the Women Entrepreneur - A Kenya case
14:15 - 14:40
Thomas Bisonga
Stanbic Bank Kenya
Executive, Head of Business Banking
Kenya
Digital Transformation to Serve the Small Enterprise
14:40 - 15:05
M. Mudassar Aqil
FINCA Pakistan
Chief Executive Officer
Pakistan

- how digital distribution has made access to finance efficient in a developing market like Pakistan 
- a business case for how to serve low income small entrepreneurs through digital and broaden
  your outreach at lower cost 
- how digital payments are the essential conduit for serving poorly documented SMEs in the
  developing world 

15.05
Wrap-up & Closing remarks
15.15
On-site visit
Visit to Erste Group Campus & Flip tour
15:15 - 16:30
Alexander Kickinger
Erste Group Bank
Head of Digital & Open Banking
Austria
Christoph Titze
Erste Bank der österreichischen Sparkassen
Head Business Development Corporate
Austria

Bus transport back and forward from the InterContinental Hotel

16.30
End of the conference

For more details, contact:

Jezabel.jpg (9 KB) Jezabel Chave
Event Manager
jezabel@efma.com
+33 1 47 42 52 72

Do you plan to attend with your team?  Good news, discounts apply for group registrations! 
Contact registration@efma.com now

Sans titre-1.png (190 KB)

What delegates said at #EfmaSME18

“Educational. Connected. Sharing”

 Josephine Baliah, Head Client Experience Design, RMB South Africa, South Africa 

What delegates said at #EfmaSME18

“Well organized, good presentations.”

Christoforos Chatzopoulos, Director, Head of Business Banking & Retail Loans, NBG, Greece

 What delegates said at #EfmaSME18

“I found the event very interesting. Having the opportunity to see how other banks are doing their digital transformation in the SME area was of great value to benchmark our effort and find new opportunities or approaches to what we are doing right now.”

 Jose Antonio Wolff Reyes, Director of Digital Strategy, Grupo Bancolombia, Colombia

What delegates said at #EfmaSME18

“useful, brought interesting insights from a global perspective, both business and tech.”

Jaroslaw Lacki, Senior Strategy Manager, ING, Germany 

What delegates said at #EfmaSME18

“Has its values in terms of innovating ideas fit to these current times of change.”

Uzi Sasson, Senior Manager S.M.E Business Management, Leumi Bank Israel, Israel

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