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Money20/20 Europe

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9:15am BST

Welcome to Money20/20 Europe

Monday June 4, 2018 9:15am - 9:20am BST
The Big Top Stage

9:20am BST

A platform to success: The open digital bank of the future

What does the future of banking look like, and does that future have a place for ‘traditional’ incumbents? ING has always been a step ahead when it comes to digital banking, but how does it remain relevant when fleet-footed fintechs and Big Tech titans are setting the standard for what customers expect from financial services? In this keynote address, ING CEO Ralph Hamers shares his vision of the future, and explains the bold steps ING is taking to make that vision a reality. Those include a company-wide innovation approach and a way of working more in common with successful startups than banking behemoths. Ralph’s story goes from purpose to platforms, and from banking to beyond banking, taking in distributed ledger technology, fintech collaboration, Open Banking and even love – with a couple of exciting announcements thrown in for good measure.

Speakers

Ralph Hamers

CEO, ING Group

Ralph Hamers was appointed as ING’s youngest-ever CEO and chairman of the Executive Board on 1 October 2013. He introduced ING’s Think Forward strategy, which aims to empower people in life and in business with a differentiating experience that is clear, easy and available anytime... Read More →

Monday June 4, 2018 9:20am - 9:40am BST
The Big Top Stage

9:40am BST

It’s about the customer, stupid

The proliferation of digital technologies is transforming customer expectations. In the rush to get ahead, it is sometimes easy to lose focus on the core reason for developing a service: addressing the needs of customers. In this session, Andy Maguire, Group COO HSBC, talks about how HSBC has structured its technology agenda around putting customers first, covering what it has learnt along the way in mobilising a digital organisation and how understanding expectations around robotics and platforms, to name just two examples, will be key to realising customer benefits. Andy will also cover the bank’s work with fintech partners, including its Technology Advisory Board, as well as its own initiatives around the innovation agenda, and offer advice to those fintechs wanting to partner with banks on customer propositions.

Moderators

Stefan Dab

Senior Partner - Managing Director, The Boston Consulting Group

Stefan Dab is a Senior Partner and Managing Director, he is the Global Leader of BCG Payments and Transaction Banking activities, as well as a member of the Global Leadership team of the BCG Financial Services practice. Stefan is a world class expert in payments, working with leading... Read More →

Speakers

Andy Maguire

Group Managing Director & Group COO, HSBC

Andy Maguire is HSBC’s Group Chief Operating Officer leading operations, technology and corporate services for the bank. Andy also leads HSBC’s chief operating officers who are responsible for the effectiveness and efficiency of the bank’s operations.A key focus for Andy and... Read More →

Monday June 4, 2018 9:40am - 10:00am BST
The Big Top Stage

10:00am BST

How data will change the world, again!

The shift to digital has fundamentally changed the way businesses operate and people live their lives, for good. The opportunities are immense, and yet so are the challenges this new data-driven universe creates. The backlash we see now against big tech is just one example of the complexity a digital world creates. So how do we manage, contain, strengthen and positively create data-driven organizations in the future?

Moderators

Louisa Bojesen

International Financial Journalist

Louisa Bojesen is best known as a familiar and trusted face, having fronted live, daily, TV programmes for CNBC. With the channel for 17 years, she hosted all the shows, including flagships ‘Squawk Box Europe’, ‘Today’s Biz’, ‘Power Lunch’ and ‘European Closing Bell... Read More →

Speakers

Carlos Torres Vila

CEO, BBVA

Carlos Torres Vila (born in Salamanca, 24 February 1966) is the CEO of BBVA, a large global bank headquartered in Spain. He graduated with a B.S. in Electrical Engineering and a B.S. in Management from the Massachusetts Institute of Technology, where he later also earned a M.S. at... Read More →

Monday June 4, 2018 10:00am - 10:20am BST
The Big Top Stage

10:20am BST

The age of invisible payments

We are entering a new era in the history of money, an era when accessing your money and payment is embedded in everyday experiences. Secure, seamless and so simple, payments are increasingly invisible. Charlotte Hogg, Visa’s new CEO in Europe explores the implications: Infused with new data insights, the session illustrates the dramatic changes in consumer purchase behaviour, as well as the challenges and opportunities for the growing payments ecosystem. The session provides a fresh perspective, news from Visa and includes a dialogue with industry leaders and challengers.

Speakers

Charlotte Hogg

CEO Europe, Visa

Charlotte brings more than 25 years of experience in financial services, bank operations and management consulting to Visa. Most recently served as chief operating officer for the Bank of England, from 2013 to 2017. Prior to that role, she led retail distribution for Santander in... Read More →

Jim Magats

Vice President, Global Payment Product & Engineering, PayPal

Jim Magats leads PayPal’s Global Payment Product and Engineering team, which focuses on availability, experience and scalability of how customers pay and receive money from their PayPal wallet. As part of his responsibility, Jim looks after the financial institution and payment... Read More →

Nikolay Storonsky

CEO & Founder, Revolut

Nikolay is the Founder & CEO of Revolut, the digital banking app and fintech unicorn that has taken Europe by storm. In less than three years, Revolut has grown to almost 2m customers, processing $2b in volumes each month.

Monday June 4, 2018 10:20am - 10:45am BST
The Big Top Stage

2:15pm BST

Nuno and The Woz: Technology, Money, and the Future of Everything

Apple's famed Co-founder Steve Wozniak, often called the father of the personal computer, speaks about his past experiences helping to shape the evolution of the computer and his views on the growth of artificial intelligence. He is joined by Feedzai CEO Nuno Sebastiao on the Money20/20 main stage for this exciting session sure to inform and entertain with a mix of personal anecdotes, thoughts on the current state of technology,and predictions on the future of our connected world.

Speakers

Nuno Sebastiao

Co-Founder & CEO, Feedzai

Based on his work at the European Space Agency, Nuno set out to use machine learning in novel ways. Fast forward to 2017, Nuno has been named an entrepreneur of the year from his alma mater, London Business School, as Feedzai has more than $32 million in venture funding, plans to... Read More →

Steve Wozniak

Co-Founder & Fellow, Apple

A Silicon Valley icon and philanthropist for more than thirty years, Steve Wozniak has helped shape the computing industry with his design of Apple’s first line of products the Apple I and II. He also influenced the popular Macintosh. In 1976, Wozniak and Steve Jobs founded Apple... Read More →

Monday June 4, 2018 2:15pm - 2:45pm BST
The Big Top Stage

2:45pm BST

Finding our voice – the future of conversational commerce

People everywhere are abandoning the keyboard in favour of voice commands, voice recording and messaging. Whether it be the assistant in your pocket, on your kitchen counter or in your car dashboard the art of the conversation is far from dead! What does this mean for how we shop, subscribe, secure and more?

By 2025, conversational commerce will transform the shopping experience as we know it today into the next frontier of commerce. Hear from Ann Cairns about the future trends, the key drivers and the role of trust.

Moderators

Kate Russell

Journalist

Journalist, reporter and author, Kate has been writing about technology and the Internet since 1995. She’s been a regular on BBC technology programme Click for over a decade and writes for National Geographic Traveller magazine. She also speaks at conferences and digital strategy... Read More →

Speakers

Ann Cairns

Vice Chairman, Mastercard

In her role as Vice Chairman Ann represents Mastercard around the world, focusing on inclusion, diversity and innovation. She plays the important role of senior ambassador and executive leader with a global remit and sits as part of the company’s global management committee.Prior... Read More →

Monday June 4, 2018 2:45pm - 3:05pm BST
The Big Top Stage

3:05pm BST

Business reincarnation: A sign of the times

The need to evolve and transform with agility and speed to stay ahead of the curve has always been a part of the financial services industry. The major difference today is the reducing length of these change cycles, in part due to the rapid proliferation of smart technologies and changing consumer behaviours. Business reincarnation is not optional, it is an imperative!

Investing and operating in more than 120 countries with entrepreneurship at its core, Naspers has become one of the largest and most successful tech investors in the world, with businesses spanning ecommerce, classifieds, online food delivery, edutech, video entertainment, and payments and fintech. PayU is Naspers’ payments and fintech arm. Bob van Dijk (Group CEO, Naspers) and Laurent Le Moal (CEO, PayU) will share their experiences of building and transforming technology businesses in high-growth markets, and discuss PayU’s three-pronged approach to building the best products and services for its customers.

Speakers

Bob van Dijk

CEO, Naspers

Bob van Dijk was appointed chief executive of Naspers in April 2014. He joined the group as Allegro Group CEO in August 2013 and was promoted to CEO Global Transaction eCommerce in October 2013. He has over 10 years of general management experience in online growth business, mainly... Read More →

Laurent le Moal

CEO, PayU

Laurent was appointed CEO, PayU in January 2016. He is responsible for global operations and brings extensive knowledge of digital payments and high-growth markets to PayU. He concluded an 11-year career at PayPal as Vice-President and General Manager for Continental Europe, where... Read More →

Monday June 4, 2018 3:05pm - 3:25pm BST
The Big Top Stage

3:25pm BST

Identity at your service

Imagine a world without the need for usernames, passwords or other access credentials; where your identity is the key that unlocks products and services anytime, anywhere. This is identity at your service. Join us for a ground-breaking keynote address in which Ted Oorbals, CEO of Biocryptology, and film star and tech ambassador, Antonio Banderas, launch their vision for a Brave New World of secure and frictionless biometric access. Moderated by renowned industry thought-leader David Birch, the panellists examine a future in which fraud is reduced and financial services companies are once again the trusted identifiers, empowering their clients to access any online or physical location using only their confirmed digital identity.

Moderators

Dave Birch

Director of Innovation, Consult Hyperion

David G.W Birch is Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy, and a Visiting Professor at the University of Surrey Business School. He is an internationally-recognised thought leader in digital identity and digital money; was named... Read More →

Speakers

Ted Oorbals

CEO, Biocryptology

Originally from The Netherlands, Ted Oorbals (1968) is the CEO of Biocryptology. Ted is a creative strategist with a strong commercial and marketing background, focused on innovation. He has been an entrepreneur and business builder for 30 years and has started and turnaround various... Read More →

Monday June 4, 2018 3:25pm - 3:55pm BST
The Big Top Stage

1:45pm BST

Banking on the CX Factor - Customer experience drives loyalty.

What does it mean to be a bank today? One that understands you. The experience of paying and managing finances cannot be avoided but it can be elevated. Hear how Klarna will create customer experiences that engage, empower, delight and ultimately foster loyalty.

Speakers

Sebastian Siemiatkowski

CEO, Klarna

In 2005, Sebastian Siemiatkowski co-founded Klarna in order to provide safe and smooth online payments. He currently serves as its Chief Executive Officer. Over the past decade, he has overseen the company’s rapid growth across Europe and more recently into North America. Klarna... Read More →

Tuesday June 5, 2018 1:45pm - 2:05pm BST
The Big Top Stage

2:05pm BST

The Payments Race

Fresh from trekking across Asia, the Money20/20 Payments Race is back. 5 racers will be tasked with making their way across Europe in just a few days, and be faced with a series of payments related challenges along the way. The catch is that each racer can only use one payment method, or face immediate disqualification. They won’t be completely on their own though – each racer will have mentors to support them along their way. Who will make it to the finish line first and with the most points? Who will get stranded somewhere along the way? The results of the Payments Race will be revealed on the main stage

Speakers

Ghela Boskovich

Founder, FemTechGlobal

Ghela Boskovich is very active in the FinTech industry, having spent the last ten years focused on business development for core insurance and banking system solutions. Over the last five years her work centered on financial services pricing governance functionality, which has leveraged... Read More →

Tuesday June 5, 2018 2:05pm - 2:20pm BST
The Big Top Stage

2:20pm BST

A Vision for Connected Commerce: Voice is the New Frontier

Connected experiences make commerce personal and conversational again. Voice is reinventing commerce and businesses that are early adopters reap rewards in the long term. Kelly Wenzel will show how this is set to redefine the way customers will make purchases in their day to day lives.

Speakers

John Sullivan

CIO, Virgin Trains

John is an experienced IT leader who focuses on where IT can improve business performance and delivering to the ideas. He is also very focused on innovation and has driven a number of new solutions in hospitality and Rail. The highlights are:• PizzaExpress App (global first for... Read More →

Kelly Wenzel

Director for Global Marketing, Amazon Pay

Biography coming soon

Tuesday June 5, 2018 2:20pm - 2:40pm BST
The Big Top Stage

2:40pm BST

Money is not a dirty word

Innovation in banking is rich in the language of ecosystems, partnerships and collaboration. It creates an illusion of inclusion, at the business end of the spectrum, and an openness to RnD and exploration without a razor sharp focus on PnL.

Business model innovation departments and a variety of activity, from investment to JVs, in propositions that make money differently to the core also creates the illusion of openness and fluidity. But the whole point of innovating was to stay in the game, to make money, to keep ahead. So all this openness is either not fully real or fully misguided.

It is time we discussed monetisation models and the challenges some partnerships present to making money. It is time we talked profitability structures and playing the same game by the same rules. And it’s time we all said what we really think about when and how you should talk money when speaking to a startup, a customer or a banker.

It’s what we are here for and it’s not a dirty word.

Speakers

Dr. Leda Glyptis

Chief Innovation Officer, Qatar National Bank

Leda Glyptis is the Chief Innovation Officer for Qatar National Bank. Leda joined QNB, the largest bank in MENA, in January 2017 with responsibilities for employee-driven and market-led innovation strategy and execution. Prior to QNB, Leda served as a Director at business and technology... Read More →

Tuesday June 5, 2018 2:40pm - 3:00pm BST
The Big Top Stage

3:00pm BST

Make technology great again. AGAIN

In this high adrenaline performance, you’ll confront the persona of a malicious hacker and the disconnect between pursuing the prize of data and the individuals and businesses that are put at risk in the process. From billions lost in ICOs to political mania caused by the misuse of data, hacking is in the news everyday. Ralph Echemendia will explore the threats and challenges of data ownership and address the implications of recent scandals. When the valuation of tech giants relies on the data they collect and store, what happens if this data is stolen before they find a way to monetise? As the balance of power of data ownership changes, will the tech giant’s control of data diminish before they find the business models to justify their valuations? Be prepared to be amazed as Ralph Echemendia and Criminology academic Dr Mary Aiken, shed light on the dark arts of cyber crime. There will be a performance on Privacy by Hennessy Echemendia.

Speakers

Dr. Mary Aiken

Cyber Psychologist & Author

Dr. Mary Aiken is an Adjunct Associate Professor at the Geary Institute for Public Policy University College Dublin and Global Fellow at the Wilson Center Washington DC. She is a lecturer in Criminology and Research Fellow at the School of Law, Middlesex University UK, Fellow of the... Read More →

Ralph Echemendia

Ethical Hacker & CEO, Seguru

Ralph Echemendia is a world-renowned cyber security expert, known internationally by his alter ego “The Ethical Hacker.” For over 20 years, Ralph has delivered training on hacking and other security information to corporations including the US Marine Corps, NASA, Google, Microsoft... Read More →

Hennessy Echemendia

Musician

At the early age of 8 Hennessy self-taught herself to play the guitar, piano, and has been making music ever since. She was born in Miami, Florida November 20, 1998 and later moved to Los Angeles with her infamous father Ralph Echemendia (known as the Ethical Hacker).A star on the... Read More →

Tuesday June 5, 2018 3:00pm - 3:30pm BST
The Big Top Stage

1:35pm BST

WeChat Pay: Beyond Imagination

WeChat now reaches over a billion monthly active users that spend at least 90 minutes on average in the super-app on a daily basis. An integral part of reaching these numbers is through its payments product, WeChat Pay, which enables more than 600 million users to pay through their smartphone, both online and offline. Having built one of China’s leading payment providers from within a social network, what lessons can be learnt about how people will interact with financial services in the future? Live in Europe since the end of last year, what are WeChat Pay’s plans to tackle this market? How will this shape the future of commerce in Europe and what are the opportunities to be part of this evolution?

Speakers

Ashley Guo

Tencent, Regional Director of WeChat Pay, Europe and Taiwan (Weixin Group)

Ashley has vast amount of experience in the payments and FinTech industry. Ashley joined Tencent in 2015. She is currently responsible for the promotion and management of WeChat Pay business in Europe and other regions. Her focus is to work with partners and develop wide-adoption... Read More →

Wednesday June 6, 2018 1:35pm - 1:55pm BST
The Big Top Stage

1:55pm BST

The IndiaStack: Building blocks for a new digital economy

What happens when you combine the world’s largest biometrics identity project with an open platform in one of the hottest internet markets on the planet? Answer: the IndiaStack! The IndiaStack is live and widening its reach as it deploys a unique infrastructure that can solve India’s biggest problems, from identity to KYC and payments to empowering consumers with data, at scale, in a presence-less, transparent, paperless, robust, fair and economical way. One of the major successes has been the number of companies, from Whatsapp to Google to Paytm, who have built new products and services to leverage the infrastructure. Join one of the smartest minds in Financial Services, who helped to build the India Stack, as he shares the vision for the future of the India Stack and how the power of data in the hands of the user will create a wealth of opportunities.

Moderators

Dr. Leda Glyptis

Chief Innovation Officer, Qatar National Bank

Leda Glyptis is the Chief Innovation Officer for Qatar National Bank. Leda joined QNB, the largest bank in MENA, in January 2017 with responsibilities for employee-driven and market-led innovation strategy and execution. Prior to QNB, Leda served as a Director at business and technology... Read More →

Speakers

Nikhil Kumar

Fellow & Head of Developer Ecosystem, India Stack, iSPIRIT Foundation

Nikhil is a full-time fellow with iSPIRT Foundation, a not for profit think thank and has been focussed on building an ecosystem for the Unified Payments Interface. Recently, as a volunteer with NPCI, he led the product development of BHIM Payments App launched by PM Modi. Nikhil... Read More →

Wednesday June 6, 2018 1:55pm - 2:15pm BST
The Big Top Stage

2:15pm BST

Changing habits, super-charging growth

By 2020, nearly 80% of China will be swiping, scanning or tapping to perform transactions as small as buying street food, to big-ticket items such as hotel rooms, driving $7-8 trillion worth of sales volume in the process. As transferring money becomes easier and cheaper, does China’s current mobile payment revolution offer the rest of us a vision of the future?

The convergence of a customer’s social, retail and financial life is transforming the way we pay day-to-day. Behind Alipay, dubbed a “super lifestyle app for the masses”, is Ant Financial, which is growing its already massive open TechFin platform, enabling payments and financial services to be integrated into various scenarios across different kinds of online devices, across different countries. The success of this low-cost, low-fuss technology rests on Ant Financial’s now world-renowned tech capabilities and service architecture.

The goal? To give consumers and SMEs equal access to payments and financial services anytime, anywhere and without any obstacles. Focussing on five key areas, Blockchain, AI, Security, IoT and Computing (BASIC), AliPay is already bringing the mobile payment revolution to European soil and it’s gaining traction. Join Li Wang, Head of EMEA at Ant Financial, as she shares her unique insight on how this technology serves up partnership opportunities in Europe.

Speakers

Li Wang

Head of EMEA, AliPay

Li Wang joined the Alibaba Group after ten years with McKinsey & Company advising leading consumer goods and travel companies in US, Europe and Asia.She has played multiple leadership roles within the Alibaba Group, starting as the Group Head of International Strategy before moving... Read More →

Wednesday June 6, 2018 2:15pm - 2:35pm BST
The Big Top Stage

2:35pm BST

Startup Pitch competition: The Final

Hundreds of applications whittled down to 200 hand-picked Academy startups. 10 founders giving it their all in The Lion’s Den for just 3 finalists chosen by expert judges. But only 1 can be the winner. Tougher than ever, the Money20/20 Europe Startuppitch returns for its third year in the quest to find the next big thing in FinTech startups from across Europe. Join us for the pitches of our 3 finalists and don’t miss the final announcement of who will be crowned the winner of 2018.

Speakers

Kate McKenzie

Content Producer, Money20/20

Wednesday June 6, 2018 2:35pm - 2:55pm BST
The Big Top Stage

2:55pm BST

How to build a company that makes us behave: The lemonade story

One of the most valuable yet unrecognized contributors to a well-functioning society is trust. It's a lubricant, but unfortunately we often do not recognize how useful and important it is. In fact, most of our financial institutions and systems are built to bring out the distrust, creating vicious cycles and conflicts of interests that ultimately bring out the worst in all of us. As we move to the digital economy over larger distances, trust is even more important. We must treat trust as a social good, and understand that every time someone betrays the public's trust, they are not only hurting society, but they are also eroding the value of trust. Building tomorrow’s companies must be built on mechanisms that will help create, sustain, and build trust. Lemonade, a tech company reinventing insurance, is an example of a company designed to bring out the best in people, and uses trust as one of its main pillars. This model, built on behavioural economics and AI, removes the conflicts of interest, and is reinstating trust as a social good.

Speakers

Dan Ariely

Chief Behavioral Officer, Lemonade

Prof. Dan Ariely is the Chief Behavioral Officer of Lemonade, a full-stack insurance company powered by artificial intelligence and behavioral economics, and driven by social good. Ariely is the James B. Duke Professor of Psychology and Behavioral Economics at Duke University and... Read More →

Wednesday June 6, 2018 2:55pm - 3:15pm BST
The Big Top Stage