47th Efma Congress: Banking Transformation

17 to 18 October 2019

Event guide

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Thursday 17 October 2019

Welcome coffee & registration
Opening remarks
08:40 - 08:50
Yolande Piazza
Google Cloud
Vice President of Financial Services
Responsible and Sustainable Banking - Part 1
Making Transformation Sustainable - getting the Organisation to transform itself in a sustainable and long lasting way
08:50 - 09:10
Manroop Khela
Santander UK
Head of Specialist Business Units
United Kingdom

- Customer Centred, Technology Enabled : Transforming an organisation must be customer centred and technology focused.
- Put your Money where your Priorities are :The importance of ensuring your investment aligns to your strategic goals and wider organisational vision
- Bring your bank with you : Transformation must be organisation-wide.
  Your people must be brought along on the journey and understand where you’re heading and why.

Futures Literacy and Temporality: Rethinking Credit Creation and Asset Distribution
09:10 - 09:35
Riel Miller
Head Of Futures Literacy

- Inequality, Asset Creation, Wealth Distribution and Time: Can Futures Literacy Change the Conditions of Change?
- Money, Inequality and the Future: An Anticipatory Systems Perspective.

Financial inclusion and microfinance: there is still much to do
09:35 - 09:55
Eric Campos
Crédit Agricole S.A.
Head of Corporate Social Responsibility at Crédit Agricole and CEO of the Foundation Grameen Crédit Agricole

- The sector of microfinance : key figures
- Inclusive Finance from Grameen Credit Agricole Foundation
- Microfinance : the main key challenges

Responsible and Sustainable Banking
09:55 - 10:15
Omar Bounjou
Attijariwafa Bank
General Manager
CEO Panel - Microfinance : the main key challenges
10:15 - 10:40
Alain Law Min
MCB Mauritius Commercial Bank
Chief Executive Officer
Krzysztof Bachta
Alior Bank
Sébastien De Brouwer
European Banking Federation (EBF)
Chief Policy Officer

Endorsing the principles for responsible banking and becoming part of the sustainable financial system of the future

Coffee break & networking
Responsible and Sustainable Banking - Part 2
Why does sustainable finance and responsible banking matter for banks
11:10 - 11:30
Philippe Heim
Société Générale
Deputy Chief Executive Officer

- What is at stake? Climate change as a financial risk
- Societe Generale commitments and concrete initiatives:
            - Paris climate agreement implementation into the financing policy
            - Introducing green and positive impact bonds
            - “Grow with Africa” strategy
- Public and private sector collaboration is crucial:
Balanced regulation, European integration and global commitment as key drivers

Why does sustainable finance and responsible banking matter for banks
11:30 - 11:50
Maria Garrido
Senior Vice President - Brand Marketing

- What drives Meaning for Finance Brands
- Return on Meaning for Finance Industry
- Cases on Meaningful Finance Brands

Bigtech and telco companies – Are they going to eat the cake from banks ?
Google Cloud & Financial Institutions
11:50 - 12:10
Alexandra Syrovatski
Google Cloud
Head of Finance for Google Cloud

What if we could improve your P&L while ....
- ...Improve your customer experience
- ....reduce cost of managing risks
- ...and start to build the Bank of the Future

A Tel-ban-co perspective to better analyze collo-petitive Telecom/Banking relationship
12:10 - 12:30
Emre Ergun
Chief Customer Operations Officer

- Banking environment from the telco perspective
- Telco interest in financial products: are telcos the next Fintech?
- Digital age of customers/partners: two industries, multiple perceptions
- Evolvement of 4 Cs in bank/telco relationship: collaboration, challenges, co-creation, competition

Reinventing organizations: Leadership & Cultural shift to transform financial institutions
Digital Transformation Practitioner and Though Leader
12:30 - 12:50
Sonia Wedrychowicz
Sonia Wedrychowicz
Digital Transformation Practitioner and Thought Leader, Former Head of Technology Transformation JPMorgan Chase USA and COO Digital Bank DBS Singapore

The essence of digital transformation and leadership in the age of industry 4.0 

- Uncovering the essentials of the dramatic transformation that the world is going through for the last 10-15 years
- Basic mechanisms and triggers that set the foundation of the knowledge based economy that is ruled by the customers demanding simplicity, speed and convenience.
- Explaining an inevitable process of banking services fragmentation and disintermediation to the  technology-enabled new entrants to the financial space.

Digital Leadership: Providing insights into a new leadership and how it works in practice
12:50 - 13:10
Krzysztof Bachta
Alior Bank

- Rapidly responding to unanticipated opportunities and threats with
  higher level of autonomy of your employees and solutions devised and developed collaboratively
- People First: Engaging and inspiring your workforce instead of managing work
  to let them actively participate
- Collaboration is key to success for leadership in the digital age

Lunch & networking
Raising opportunities from open banking and emerging technologies
World Retail Banking Report 2019 : Embracing modern banking models via building digital ecosystems
14:25 - 14:50
Elias Ghanem
Vice President, Global Head of Market Intelligence, Financial Services
How trust transforms banking in the open era
14:50 - 15:15
Christophe Joyau
VP of Sales

- What it means now that customers are in control of their data
- How to drive loyalty and building trust with your customers
- How to anticipate the ways in which customers will engage with their data and use it to inform your strategies

Digital for Daily Lives
15:15 - 15:35
Matthijs Eijpe
Regional Sales Director

Banks will learn how to
- Regain their competitive edge by innovating like a neobank
- Continue to own the customer relationship
- Remain indispensable to the daily lives of their customers

Study presentation : "Open Banking & the Bank of the Future"
15:35 - 16:00
Joël Nadjar
Financial Services Worldwide Executive Partner

- Context and objectives of Open Banking and PSD2
- The opportunity for banks to launch larger-scale projects and move towards an "Open Banking" model:
  Where is the market?
  What are the different models?
- Food for thought on future developments and impacts on the retail banking market

Coffee break & networking
Making CX different: lessons learnt from new players
Neobanks are growing up from infancy.
16:30 - 16:45
Paul Clark
United Kingdom

- What is the prognosis for their “adulthood”?
- Road to monetization and profitability in the neobanking space
- Customer point-of-view: how does Tandem create propositions which customer come to love

Case study: Yolt's journey in Open Banking and PSD2
16:45 - 17:00
Leon Muis
Chief Business Officer
United Kingdom

- How was smart money platform built
- What comes next – cooperation with banks and fintechs and consumer empowerment
- Unlocking the power of open banking, what the future holds

OakNorth case study: leveraging big data and artificial intelligence to redefine lending to SMEs
17:00 - 17:15
Sean Hunter
United Kingdom

- Performing zero credit losses and 8% margin on SME lending due to using an alternative source of data and AI 
- The variety of data sets used
- Boosting revenues by licensing platform to other banks (Platform as a Service) as well as lending off our own balance sheet via OakNorth Bank in the UK

Panel Discussion
New models of creating and delivering financial services to customers
17:15 - 17:45
Leon Muis
Chief Business Officer
United Kingdom
Sean Hunter
United Kingdom
Tomas Vysny
The Booster Labs
Slovakia (Slovak Republic)
Paul Clark
United Kingdom

• What is next in 5 years for neobanks:
- Product strategy
- Go to market: national vs. international expansion

• Where do you see the whole financial industry going next?
- What business would you start as the next one in financial services?

Wrap-up session & end of day 1

17:45 - 18:00
Lubomir Olach
Director, International Membership Development

Friday 18 October 2019

Welcome coffee & registration
Responses to digital transformation : lessons learnt from endeavors of traditional players
Building a more innovative and resilient bank capable of stronger growth
08:45 - 09:00
Aalishaan Zaidi
Standard Chartered Bank
Global Head of Digital Banking
Deniz Güven
Standard Chartered Hong Kong
CEO of Mox Bank Limited
Hong Kong

- Embedding a performance-orientated and innovative culture, which emphasises
  conduct and sustainability
- Streamlining our own operations to ensure we delight our clients, and drive productivity
- Investing in digital initiatives to transform our business
- Collaborating with best-in-class partners to quickly roll-out top-class products and services
- Rapidly expanding sustainable financing to drive a positive social, environmental and economic impact

Digital Transformation: Going Beyond Digital Customer Experiences
09:00 - 09:15
Lisa Frazier
Wells Fargo
Executive Vice President, Head of Innovation

- Why a digital experience alone is insufficient
- How we approach innovation at Wells Fargo and what’s required for the future in terms of culture and mindset :
       - Data & Artificial Intelligence 
       - Distributed Ledger Technology
       - Apply technology in places that 5 years ago people were not considering
       - Commercial/entrepreneurism – banking-as-a-service, open banking
       - Getting to Yes/agile and migration mindset
       - Talent of the future

Innovation : Doing it and learning from it
09:15 - 09:30
Ian Ormerod
BBVA Group (BBVA Spain)
Head of New Digital Businesses

- What’s the most likely future?
- What does that mean to banks / BBVA?
- What levers to we use to innovate and disrupt?
- What have we learned on the way?

Panel disucssion
09:30 - 10:00
Lisa Frazier
Wells Fargo
Executive Vice President, Head of Innovation
Ian Ormerod
BBVA Group (BBVA Spain)
Head of New Digital Businesses
Aalishaan Zaidi
Standard Chartered Bank
Global Head of Digital Banking
Deniz Güven
Standard Chartered Hong Kong
CEO of Mox Bank Limited
Hong Kong
Sonia Wedrychowicz
Sonia Wedrychowicz
Digital Transformation Practitioner and Thought Leader, Former Head of Technology Transformation JPMorgan Chase USA and COO Digital Bank DBS Singapore
Digital transformation observatory
Study presentation : Digital Transformation
10:00 - 10:25
Axel Reinaud
Senior Partner & Managing Director
Michal Panowicz
Managing Director and Partner
United Kingdom
Strategies to successfully transforming your digital channels and touchpoints
10:25 - 10:45
Geert Van Mol
Chief Digital Officer

Becoming number 1 bank in mobile banking in Belgium with over 1,1 million active customers

Coffee break & networking
Leveraging big data & data strategy - part 1
Data enabled banking evolution
11:15 - 11:35
Martin Moeller
Digital Transformation Principal for Banking & Finance

- Data driven = Client driven: What it takes to be a true AI powered Bank today
- Looking ahead: Emerging new business models enabled by Data & AI
- Reality check: From strategic insights to applied strategy
- How banks are actually getting from A to B

The rise of the bank as a platform : make it happen
11:35 - 11:55
Alexey Kruglov
Managing Director, Head of Digital Business Platform, Retail Business
Russian Federation

- Introducing Sberbank Online platform: From a product-oriented to an
  Innovation-driven platform development
- Deep technology transformation – how Sberbank mastered it to become the top
  financial services platform in the country
- Addressing difficulties and challenges in platformification
- What’s coming up next?

Data & Analytics in UBS : sharing learnings on navigating the journey
11:55 - 12:15
Lukasz Opoka
Head of Sales, Marketing and Analytics Solutions

- How did we organise work around Data & Analytics in UBS: Center of Excellence
- What are we aiming to achieve: Analytical Use Cases Roadmap
- What do we need to build to make it happen: Analytics Ecosystem Technology Blueprint

Banking on a customer-centric approach to data for powerful results
12:15 - 12:30
Mark Vanderstraeten
Customer Relationship Management Coordinator
Katrien Van Hover
VP Professional Services EMEA

- Putting people at the centre of every business via Customer DNA,
  AI powered CDP which continuously learns from behavior to deliver compelling customer experiences 

Driving customer engagement: The core of any successful transformation
12:30 - 12:50
Tudor Avram
Banca Transilvania
BT/Paykey Project Coordinator, Digital Transformations
May Michelson
Director, Sales & Business Development - Europe

- Case Study: Banca Transilvania | leveraging social media to keep financial services always in front of customers
- Sharing best practices of delivering a frictionless mobile banking experience
- Exploring new engagement tools enabling banks today to differentiate their offering and stand out from the competition

Lunch & networking
Leveraging big data & data strategy - part 2
Open Banking
13:50 - 14:15
John Schlesinger
Chief Enterprise Architect
United Kingdom

- Flipping the traditional service model on its head
- Empowering local customer teams to deliver personalized, proactive banking services consistently
  through any physical and digital channels
- Significantly improve customers’ Net Promoter Scores by providing a more personal, local digital experience
- Turn bankers into financial coaches and become a talent magnet

Financial inclusion and its importance
Financial Inclusion Report: Building a future that makes a difference
14:15 - 14:35
Martin Calnan
Ecole des Ponts Business School
Director, Executive Education

- Initiatives leading banks are undertaking to actively contribute to making
  a better world
- What will be the meaning of finance for individuals? Companies? Society?
- How the financial sector can contribute to creating tangible value for
  all its stakeholders
- How are financial institutions actively contributing to financial inclusion?

How to promote inclusion by incoporating the UN SDGs at the very heart of our products and services
14:35 - 14:55
Antoine Sire
BNP Paribas
Head of Company Engagement and member of the Executive Committee of BNP Paribas

- Microfinance as an initial and powerful response to the issues of financial inclusion
- Microfinance as a source of experimentation to create new inclusion mechanisms: impact investing, social impact bonds
- Financial inclusion is increasingly related to the other great challenges of our time such as climate, education, gender equality…
- Inventing new business models that meet the demands of a more ecological and inclusive world

Digital transformation journey case studies from across the globe - part 1
Learning how George scaled internally from an idea to a cross-country banking platform
14:55 - 15:15
Martin Kobza
Erste Group Bank
Head of Digital

- Unification of all of the Erste’s 16 million customers from 7 countries into
  a central digital ecosystem
- Aiming not just to deliver leading digital experience for its customers, but as well
  to digitally unlock the economy of scale of CEE region
- how George scaled from pilot to a cross-country platform with agile,
  product-oriented organization

Coffee break & networking
Digital transformation journey case studies from across the globe - part 2
Building a digital challenger bank with solarisBank: a case study
15:45 - 16:00
Rinse Jacobs
Head of International Sales

- Finance from a contextual point of view
- Partnering and broadening product offering
- Banking as a service business model addressing different customer demands

Learning from MUFG’s Open Innovation Strategy and its partnerships with start-ups
16:00 - 16:20
Nobutake Suzuki
MUFG Innovation Partners
President & CEO

- Key initiatives that drive MUFG’s digital transformation
- How MUFG works with startups to accelerate partnerships and innovations.
- Leveraging Corporate Venture Capital (CVC) as a final peace of puzzle
  for MUFG’s open innovation strategy.

Wrap-up and end of the conference

16:40 - 17:55
Lubomir Olach
Director, International Membership Development

For more details, contact:

Jezabel.jpg (9 KB) Jezabel Chave
Event Manager
+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

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What delegates said at #EfmaCg17

“Professional, useful, informative.”

May Bente Olsen, Director Digital Sales, SpareBank, Norway

What delegates said at #EfmaCg17

“Well organised and good discussions.”

Mikko Knuuttila, Director, Corporate Business Development, Reiffeisen Bank, Austria 

What delegates said at #EfmaCg17

“Good overview of the banking industry.” Oldrich Barton, Management Advisor, CSOB, Czech Republic

What delegates said at #EfmaCg17

“Well organised Congress with a wide range of subjects relevant to my job, excellent presentations by very valid speakers.”

Alan Micallef, Executive Head of Consumer Finance, Bank of Valletta, Malta 

What delegates said at #EfmaCg17

“Information covering different topics, good size (not to small/not to big)”

Rike Poppe, Head of Retail Strategic Projects, Erste Group, Austria

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