Innovators, disruptors and visionaries driving the Open Banking revolution

London, 13 November 2019

Headline partner:

OpenWrks-white-250x49
Stages
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Attendees
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Speakers
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Hours of content
"Thank you to the Open Banking Expo team for creating such a great event. The audience you pulled together was amazing!"

Co-Chair, Open Banking & Payments Working Group

“There has been a great collection of people; leading figures from banks and fintech side by side discussing the subject of Open Banking.”

Head of Digital Engagement, Barclays

“It has been an excellent event. The quality of speakers has been great, a fantastic range of experts from fintechs to banks, having good debates and quality discussions.”

Director, first direct

“It’s an amazing full house. It’s exciting to see such an engaged audience.”

Chief Executive Officer, Funding Options

“The event has been incredibly interesting. There are lots of really smart people from the industry here and I completely agree with the message of the that the customer should come first when considering Open Banking.”

Customer Journey, Everyday Loans

“The conference has presented a great case for change, raised questions about adoption and then brought this to life with examples-based talks.”

Chief Operating Officer, Cifas

“Open Banking Expo has been really illuminating. It has been great to see that Open Banking can offer huge benefits aside from revenue steam.”

Senior Regulatory Guidance and Oversight Manager, Hitatchi Capital

“We particularly enjoyed the panel discussion about how Open Banking can benefit the most vulnerable people in our society. It was definitely worthwhile coming to the event.”

Senior Customer Experience Manager, M&S Bank

“I travelled all the way from Norway to be at Open Banking Expo. It has been great to hear from banks, FinTechs and regulation bodies all under one roof.”

Senior Consultant, EVRY

“It’s been great to look at things from a consumer point of view. The content has been really engaging and answered a lot of questions I had.”

Technology Leader, Unity Trust Bank

Hakan Eroglu

Hakan Eroglu

Sujata Bhatia

Chad West

Chad West

Mark Curran

Mark Curran

Liz Oakes

Liz Oakes

Hessie Coleman

Hessie Coleman

Eduardo Santander

Eduardo Martinez-Barrios

Polina Evstifeeva

Polina Evstifeeva

Paul Davis

Paul Davis

Hetal Popat

Hetal Popat

Daniel Globerson

Daniel Globerson

Marco Tedone

Marco Tedone

Nick Fahy

Nick Fahy

Chris Michael

Chris Michael

Charlotte Crosswell

Charlotte Crosswell

Jason Maude

Jason Maude

Sven Schindele

Sven Schindele

Erik Porter

Erik Porter

Gareth McNab

Gareth McNab

Adrian Smyth

Adrian Smyth

Tony Craddock

Tony Craddock

Eleni Coldrey

Eleni Coldrey

Mark Nelson

Mark Nelsen

Rachel Gentry

Rachel Gentry

Didier Baclin-Zopa

Didier Baclin

Richard Kerton

Richard Kerton

Chris Reich

Chris Rieche

Armin Elber

Carlos López-Moctezuma

Carlos López-Moctezuma

Imran Gulamhuseinwala

Imran Gulamhuseinwala

Andrew Smith

Soeren Rode Andreasen

Søren Rode Andreasen

Becky Moffat

David Firth

Bill Roberts

Dr Bill Roberts

Mike Haley

Olly Betts

What to expect?

Open Banking Expo launched in 2018, bringing together a powerhouse of C-level professionals from the worlds of financial services, fintech and regulation. 100% said that the event was as important, if not more important, than other FS conferences. View the video to find out why.

Agenda

08:00

REGISTRATION AND NETWORKING

08:50

WELCOMING REMARKS

David Parker
Chief Executive Officer, Polymath Consulting
09:00

Open Banking 2.0

The who’s who of Open Banking at the UK’s leading high street banks will lay bare the successes and pitfalls they have experienced since ‘go live’, and September’s 2019 PSD2 deadline. Between them they have a mezze of innovation labs, sandboxes and fintech tie ups. But what’s hot and what’s not? Our Chair will pose the questions you want answered to reveal what Open Banking 2.0 looks like for the high street.

Mark Curran
Director of Payments and Open Banking, CYBG
Soeren Rode Andreasen
Chief Digital Officer, Danske Bank
Eduardo Santander
Head of Open Banking, Santander
Hetal Popat
Programme Director, Head of Open Banking & PSD2, HSBC
Head of Financial Services, BJSS
09:45

Session brought to you by OpenWrks

OpenWrks was first past the post to be approved by the FCA as a third party provider (TPP) and listed in the Open Banking directory. We are delighted OpenWrks is returning as headline partner for Open Banking Expo; Olly’s session in 2018 was the best-rated by delegates and he will be back to offer more actionable insight to help drive your Open Banking strategy into the next phase.

Chief Executive Officer, OpenWrks
10:10

Fireside chat with the Open Banking visionaries

In what will be the first interview since the September European-wide PSD2 deadline, we ask what’s next for the organisations that are shaping Open Banking here in the United Kingdom. The Competition & Markets Authority ripped up the rule book to create the next wave of digital transformation in the banking world, whilst the Open Banking Implementation Entity was tasked with the roll-out across the UK. This interactive session will reveal what is ahead beyond compliance and regulation, and which non-FS sectors are tipped to take advantage of Open Banking principles.

Bill Roberts
Head of Open Banking, Competition & Markets Authority
Imran Gulamhuseinwala
Trustee, Open Banking Implementation Entity (OBIE)
10:40

REFRESHMENT BREAK

Select the stream to view

11:10

Panel: Open Banking and supercharging UK business through innovation

Some of the real success stories in Open Banking have come from within the SME finance space. This panel of industry stalwarts will evaluate the true opportunities that lay ahead for business lending and how Open Banking can continue to supercharge the business economy of tomorrow.

Chris Reich
Chief Executve Officer, iwoca
Richard Kerton
Chief Executive Officer, Esme Loans
Myles Stephenson
Chief Executive Officer, Modulr
Nick Fahy
Chief Executive Officer, Cynergy Bank
Andrea Reynolds
CEO, Swoop
11:55

An Open Banking journey through the eyes of ClearBank, the UK’s first clearing bank

ClearBank hit the jackpot earlier this year. In February, Banking Competition Remedies – the body established to stimulate competition in the market- awarded it a cool £60m, in partnership with challenger brand Tide, to take on the legacy players in the UK business banking market.

The UK has not had a new clearing bank in more than 250 years, however Open Banking and the speed of technological change in the sector means that the current market environment is perfect for challengers to step in to shake things up. Hear from their Chief Technology Officer on what the bank has up its sleeves to help other financial institutions.

Chief Technology Officer, ClearBank
12:25

Open Banking and credit reference

TransUnion’s first year in Open Banking; use cases, proof points and what the future holds. This session will delve into and deliver insight on the following themes:

  • The next generation of credit and affordability
  • Live use cases and proof points
  • Predictions for 2020
Head of Product Management, TransUnion UK
12:50

NETWORKING LUNCH

13:50

Driving revenue opportunities across the Open Banking ecosystem

Not many firms can walk the walk, but Token has been making waves across Europe helping financial institutions ready themselves for a world of Open Banking possibilities.

In this session, Token’s Chief Operations Officer will reveal:

  • Latest research results showcasing current state of pan-European bank readiness and continued API fragmentation
  • Fundamental improvements required to remove constraints and drive progress
  • New use cases today delivering real cost savings and operational efficiencies
  • Next wave of breakthrough customer-centric open banking payment propositions
Todd Clyde
Chief Executive Officer, Token
14:15

Panel: Assessing the fraud risks within Open Banking

Bringing you unique views from across the financial services landscape from those at the heart of the country’s risk and fraud prevention strategies, this panel will cover:

  • What are the running financial crime concerns for consideration across the Open Banking ecosystem?
  • The Strong Customer Authentication deadline may have been delayed, but it is still looming! Will we see further bank/fintech partnerships or firms   innovating from within to ensure customer security?
  • As more TPP’s enter the market, the possibility of fraud increases at the on-boarding stage – how can banks combat this?
Chief Executive Officer, Cifas
Rachel Gentry
Information Security and Counter Fraud Consultant, Open Banking Implementation Entity
Director of Fraud and Identity, Experian
Paul Davis
Retail Fraud and Financial Crime Director, Lloyds Banking Group
14:55

Case study: Visa and its Open Banking journey so far

In April 2019 Visa unveiled a platform with a set of beta APIs and development tools that help issuers and issuer processors build and test digital payment products. Available to the payment giant’s clients and partners through a new site, called Visa Next, the platform promises to “help re-imagine” how people access, manage and control their money in the digital age.

In this session Visa’s Senior Vice President, for Open Banking will reveal latest progress, future strategy and predictions for 2020 and beyond.

Mark Nelson
Senior Vice President, Open Banking, Visa
15:20

AFTERNOON NETWORKING BREAK

15:45

Underneath the Open Banking bonnet

The prospect of Open Banking may give pause for thought. To succeed in this new environment, the brick-and-mortar banking world will need to transform itself into a digital provider of cloud-based financial services accessible to users anytime, anywhere.  In this session we will lift the lid on Open Banking to explore the building blocks for a digital platform that will enable banks to:

  • Leverage digital capabilities to engage clients with personalised experiences
  • Simplify and standardise to improve agility and reduce business risk
  • Harvest new data sources, share real-time insights and exchange information
Eleni Coldrey
Business Development Director, Equinix
16:15

Open Banking unplugged

We have collaborated with The Fintech Power 50 to bring you the industry’s boldest and brightest fintechs changing the way you offer financial services products and how your customers engage with your services.

Explore the next generation of disruptors that will be taking the industry by storm. You’ll also be able to book meetings in with these trailblazers during the event to fast forward your Open Banking journey.

Speaker(s) to be announced shortly

11:55

Case study: Through the doors of RBS. How a CMA9 bank is modernising and delivering customer value through Open Banking.

RBS was the first of the CMA 9 to execute account to account payment services. The bank’s Head of Open Banking will reveal its experience so far, and what the future looks like in an Open world. Including:

  • API Enablement as a strategic imperative
  • Unique collaboration in establishing standards
  • Early insights on compliance, usage, and performance
  • How APIs are powering customer engagement and new propositions
Daniel Globerson
Head of Open Banking, RBS
12:25

European legal update

This session will identify the challenges around the European Banking Association database and issues surrounding identity and regulatory checking of TPPs including;

  • Whether an ASPSP should or must verify the TPP’s identity as included in the eIDAS certificate; and if so,
  • How an ASPSP should go about conducting such verification in practice
  • Issues with EBA and national registers
  • Mismatch between eIDAS certificates and relevant registers
Zhang Kai
Associate Director, Brian Cave Leighton Paisner
12:50

NETWORKING LUNCH

13:50

Open Banking for Good; helping the most vulnerable in society

Open Banking should be harnessed to help the most vulnerable in society, but is the industry doing what it should in this arena? Open Banking Expo has partnered with Nationwide’s Open Banking for Good challenge and The Money Charity; a percentage of your delegate ticket will be donated to this worthwhile scheme.

In this session we will reveal:

  • the progress of Nationwide’s fintech partners, who are creating apps to help solve financial capability problems
  • insight on why the industry should be working harder than ever to utilise banking data to assist the most vulnerable
  • what vendors at the coalface are doing to help make the shift
Gareth McNab
Money Liason Officer, Nationwide
Erik Porter
Interim Chief Executive Officer, The Money Charity
14:15

Panel: The trailblazers of consumer adoption

Here are four trailblazers with one shared agenda; the need to provide compelling digital experiences in order to drive consumer adoption of Open Banking.

These industry giants will dissect:

  • Staying at the top, acquiring customers and keeping them
  • How to pinpoint your marketing efforts so they align with consumer behaviour, cultures and varying societies
  • In today’s world, data is a commodity. How do we best utilise it to attract tomorrow’s customer
Global Head of RBWM Customer Marketing, HSBC
Sven Schindele
Products Director, Tandem Bank
Keith Grose
International Lead, Plaid
Didier Baclin-Zopa
Chief Product Officer, Zopa
14:55

Managing business models that work with, rather than against, consumer behaviour

Consumer finance expert, Faith Reynolds, will deliver this highly engaging session whilst touching on:
  • Learning from consumer behaviour
  • Balancing interests
  • Thinking differently
Independent Consumer Finance Expert
15:20

AFTERNOON NETWORKING BREAK

15:45

A challengers view: API first, bank second

How is fintech having such an impact on the financial world? The answer lies in the ‘tech’ of fintech, which represents not only modern software technology, but also modern technology practices and culture. This talk will look at how building a great API backed by a robust software product can help you survive in our cloud-based world, and how your digital transformation will fail if you try to change the tech without changing the tech culture.

Jason Maude
Head of Technology Advocacy, Starling Bank
16:15

Session to be announced

Speaker(s) to be announced shortly

11:10

Panel: The women that helped launch the FinTech phenomenon, which continues to facilitate Open Banking today

It is reported that female entrepreneurs make up 1/3 of the total of entrepreneurs globally – how do we continue to swing the pendulum to the centre point? We ask a panel of Women in Finance professionals:

  • With the changing regulation and continued innovation; is it now or never for neo banks?
  • What will the financial services landscape look like in ten years’ time?
  • Is enough being done to communicate the benefits of Open Banking to consumers? If not, why?
Charlotte Crosswell
Chief Executive Officer, Innovate Finance
Hessie Coleman
Head of Business Banking Delivery, Starling Bank
11:55

Session reserved for partner

Speaker(s) to be announced shortly

12:25

The future of the insurance market with Open Banking at the helm

OPIN is the largest insurance API initiative of its kind; an international initiative to initiate, coordinate and lead the activities progressing the adoption of Open Insurance around the world.

Its founder Fouad Husseini will explain its initiative, which allows data to be securely shared with third parties using open Application Programming Interfaces (APIs).

Fouad Husseini
Founder, The Open Insurance Initiative
12:50

NETWORKING LUNCH

13:50
Global Spotlight

Case study: Bringing Open Banking to life at BBVA

BBVA is a true pioneer of Open Banking; it was one of the first major banks in the world to deliver Open Banking way back in May 2017. The launch of BBVA API Market came after the Spanish bank spent more than a year working with developers and businesses to optimise the way the Open API service would be delivered.

We are delighted to welcome its Global Head of Open Banking to share his unparalleled expertise, keys to success, and lessons from failures.

Carlos López-Moctezuma
Global Head of Open Banking, BBVA
14:15
Global Spotlight

Panel: Global developments in an open finance world

This panel will bring together global Open Banking visionaries who have all had a key role to play in regulation, implementation and innovation within their own regions. We’ll take a look at:

  • how we’re moving towards an open finance world, and what this means for other financial services platforms outside the initial banking system
  • how open data can help change lives with Marketplace Banking at the heart of innovation; offering consumers more choice than ever before
  • whether PSD2 is an enabler or hinderance when it comes to life after the Open Banking bang!
Hakan Eroglu
Global Open Banking Lead, Mastercard Advisors
Chad West
Director, Marketing & Communications, Revolut
14:55
Regulation

Quick fire regulation overview

  • How regulations are driving the implementation of Open Banking
  • Explain Open Banking beyond PSD2
  • The opening of data that can be used for financial services from different sources
Polina Evstifeeva
Head of Regulatory Strategy for GTB Digital, Deutsche Bank
15:20

AFTERNOON NETWORKING BREAK

15:45
Technology Deep Dive

HSBC prepares for the digital future: APIs as products, and the “API Experience”

The largest UK bank will dive into successful API project management including:

• Platform, architecture and tools
• Security and API interoperability
• API discovery and reuse

Marco Tedone
Chief Architect IT, HSBC
16:15
Technology Deep Dive

Regulatory update from OBIE with technology at the heart

Two months on from the initial PSD2 deadline of 14 September, where is Open Banking now? Chief Technology Officer at Open Banking Implementation Entity investigates. He will offer delegates a dive deep into;

  • How many banks have met the deadline?
  • What about those who didn’t?
  • What use cases are we seeing from TPPs, and how is this benefiting end customers?
  • What’s coming next for banks, TPPs and end customers?
Chris Michael
Chief Technology Officer, Open Banking Implementation Entity

Stage chaired by

Head of Strategy & Proposition, Computershare Loan Services
11:10

Panel: What has Open Banking done for mortgages?

The principal benefit of Open Banking to the mortgages sector is loud and clear; the streamlining of the application process, making it quicker and slicker for the consumer. They should be chomping at the bit to adopt Open Banking, but are they? Has the industry promoted the benefits enough? Has it responded with innovative products and services? Our panel of industry experts will review the last 12 months and whether Open Banking will shake up the mortgages market forever.

Sue Rossiter
Principle, Mortgage Regulation, UK Finance
Managing Director, UK, Computershare Communication Services
Vanessa Northam
Head of External Relations, Tully
11:55

Digital Ecosystem Banking: Operationalizing a functioning mortgage bank in 30 days – enabling clients to move to digital ecosystem banking through Open SaaS APIs and Open Banking.

We operate in an ever increasingly integrated economy where Customer expectation requires immediate access to Financial Services directly within Digital Marketplaces, Platforms and Communities. The advance of Open Banking enables increased competition for banks with Payments (PISP)  and Data driven (AISP) usecases emerging that provide Customers with new ways of accessing Financial Services. Neo /challenger banks have proven that it is possible to disrupt the status quo. These Challengers, together with FinTech and big global Tech are building a new FS Ecosystem that presents a real competitive challenge to traditional banks.  Banks now need to embrace the need to complete and participate in this new FS Ecosystem, but are they ready for the challenge?

Mike Kennelly
Senior Director, FS Technology, PwC
12:25

Case study: A mortgage made in heaven?

It’s a common belief that FinTech will disrupt banking but collaboration – not competition – will be the primary driver of disruption. The biggest near-term threat to most banks comes not from FinTechs but from traditional competitors better leveraging those FinTechs. (Source: EY)

In this discussion, Starlings Head of Marketplace and CreditLadder’s CEO will reveal;

  • How the fintech approached and navigated the partnership
  • How the bank effectively collaborated with the fintech to help drive financial inclusion
  • What the benefits are to bank, fintech and importantly the end consumer
  • What the future holds for banks and fintechs working together
Sheraz Dar
Chief Executive Officer, CreditLadder
Anna Mitchell
Head of Marketplace, Starling Bank
12:50

NETWORKING LUNCH

13:50

How Open Banking could help vulnerable customers

There is little doubt that the growing pace of open banking can enhance the customer journey when it comes to mortgage services and solutions, but how do we ensure vulnerable customers aren’t left behind? With the enhanced use of data, as an industry, we can really begin to help customers better manage their money and make it go further – but there is a risk that some people may be digitally excluded. Computershare offers its REPAY tool to empower customers to take ownership of their debt, which in turn offers mortgage lenders the opportunity to rehabilitate customers whilst seeing cost savings, higher collections rates and reduced collection times. Interested? Find out more in this session.

Managing Director, UK, Computershare Communication Services
14:15

Panel: The future of mortgages: what can you bank on?

Our panel of experts will take a look at the next 12 months in the mortgages market. What will flourish, what won’t? What regulation is on the horizon, and what innovation is needed to reenergise the sector?

Chief Executive Officer, Mojo Mortgages
Pete Stanley
API & Open Banking Lead, Yorkshire Building Society (YBS)
14:55

The Mortgage Market Study; 6 months on

On 26 March 2019, the FCA published its final report on the mortgage market study. It found that the mortgage market works well in many respects; engagement is high and consumers are getting mortgages that are suitable and affordable. However, it also found that the mortgage market falls short of its vision in certain ways leading to harm for some consumers who pay more than they need to for their mortgage. Sue will uncover the opportunities that are emerging for Open Banking to reverse this trend.

Sue Rossiter
Principle, Mortgage Regulation, UK Finance

Stage chaired by

Speaker(s) to be announced shortly

11:10

Panel: Payments Punch Up

Here we will explore the future of the payments landscape with regulation, innovation and strategy at the heart of the debate. Delegates will enjoy four unique views from all corners of the market as each continues to grapple with product evolution, heightened competition, and increased regulation.

Liz Oakes
VP Payments, Mastercard
Tony Craddock
Director General, Emerging Payments Association
Adrian Smyth
Head of Innovation, RBS
11:55

The future of payments; transformed by an Open Banking approach

As Open Banking explodes, merchants are rapidly transforming their operating models to compete in a new payments world. What will it look like in 2030? Pay.UK, the UK’s leading retail payments authority, gives us its predictions.

Director, Strategy & Standards, Pay.UK
12:25

All for one and one for all

Our consumer finance expert will examine recent innovations within the payments landscape, in particular services that are being developed for all end users, including those who do not use ‘traditional’ services. How can the ecosystem flourish to service more customer profiles? Find out in this session.

Independent Consumer Finance Expert,
12:50

NETWORKING LUNCH

13:50

From AI to biometrics and blockchain; and everything in between

A quick-fire session on the need-to-know innovations in the payments space. Strap your seat belt on for an eye-opening 25 minutes!

Speaker(s) to be announced shortly

14:15

Panel: Securing real-time payments

With the rise of global industry regulations, security breaches, digitization and consumers expectations for convenient, seamless and real time services there is a drive to improve how we secure and authenticate customers that is less fragmented and more collaborative. Our panel will discuss the real security risks and share real-life examples of what they are doing to secure customer payments.

Senior Vice President, American Express
Director, Payments Consultancy Ltd
14:55

Closing payments keynote

Speaker(s) to be announced shortly

16.45

Hackathon results

16:50

Champagne keynote address

Kick back and end the day with a glass of bubbly and be inspired by our futurist keynote speaker, soon to be revealed!

Speaker(s) to be announced shortly

Venue

etc.venues St Pauls

200 Aldersgate
London EC1A 4HD

Directions