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Lending & Credit [clear filter]
Tuesday, June 5
 

11:10am

Innovations in lending and credit: Business model transformation, threats and opportunities
The once-opaque world of lending is experiencing a transformation, with new participants, new risk models, new propositions and new expectations ensuring that tomorrows market will be more competitive and more dynamic than ever before. New participants: Lending has been a central focus for Fintech investment over the last decade. As one of the few sustained profit centres for banks, it’s an obvious target for challengers. New perceptions: For years banks have honed and optimised their internal risk scorecards – a sophisticated world in which they have pursued outperformance by better understanding pricing and performance trade-offs. But for years traditional players have relied on legacy data sets and toolkits. In a world of democratised data – both in banking and beyond – the rules of risk prediction are being re-written. New propositions: Bank lending services for consumers and businesses have changed little in the last forty years – reflecting the organisational structure & product set of lenders rather than the complex, flexible needs of borrowers. More intelligent, relevant hybrid services are now arriving – and solving problems in a way that static legacy products can’t. New expectations: Lenders were once powerful dictators, to whom you ‘applied’ to be a customer. Modern customers, both businesses and individuals are challenging the power dynamic and demanding digital provisioning, real-time decisioning and that banks base their judgements on intelligent, rich data not supposition & black box metrics.

Chair
avatar for Philip Clarke

Philip Clarke

Partner, Hunch
Phil is a Partner at Hunch, the London based strategic innovation practice where he advises blue chip clients on market evolution, growth strategy and next-generation propositions. Phil's experience spans start-up and corporate innovation. He has launched and run a diverse range of... Read More →

Tuesday June 5, 2018 11:10am - 11:20am
The Carousel Stage

11:20am

SME lending, where do the banks fit into this puzzle?
Without much to disrupt, does the “FinTech vs bank” discourse have a place in the SME space? Typically SME is a segment where banks haven’t seen value – but is that all beginning to change through hybrid lending models?

Speakers
avatar for Marcel Gerritsen

Marcel Gerritsen

Head of Strategy & Innovation, Corporate Bank, Rabobank
Marcel Gerritsen is working for Rabobank as an Executive Vice President, and is a member of the Management Team, Corporate Banking, The Netherlands. He is responsible for Strategy & Innovation for the Dutch SME business. Rabobank is at the forefront of efficiency and innovation in... Read More →


Tuesday June 5, 2018 11:20am - 11:40am
The Carousel Stage

11:40am

Disrupting SME lending, we’re just getting started
With Lending Club and Ondeck public, and Kabbage and Funding Circle going public soon, it is tempting to conclude that SME lending is maturing, particularly int he US and UK.  However we are seeing a second wave of global innovators in the SME lending space, of which we have three representatives today.  The purpose of the panel is to explore where the opportunities still lie in the sector, and whether some of the new players can reach $B scale.

Moderators
avatar for Rob Moffat

Rob Moffat

Partner, Balderton Capital
Rob joined Balderton Capital in 2009 and was promoted to partner in 2015. He is currently a board director or observer with portfolio companies including Zego insurance, Nutmeg, Prodigy Finance, Carwow, Wooga, Mojiworks, and Patients Know Best. Other investments he has worked with... Read More →

Speakers
avatar for Dr. Matthias Knecht

Dr. Matthias Knecht

Co-Founder, Billie
Dr. Matthias Knecht is a Berlin-based serial entrepreneur and has just founded his next venture Fintech venture.  From 2008 to 2014, Matthias was a consultant with McKinsey & Company focusing on clients from the banking, insurance, and private equity sector. Together with his fellow... Read More →
avatar for Alex Prot

Alex Prot

CEO, Qonto
He started Qonto in 2016 to make small business banking easy and help entrepreneurs run their business efficiently.Prior to Qonto, Alex co-founded Smok.io (acquired by a Fortune 500), managed Wimdu France (Rocket Internet) and started his career at McKinsey & Co and Goldman Sachs.He... Read More →
avatar for Federico Travella

Federico Travella

CEO, NoviCap
Federico is a Belgian-Italian Internet and technology entrepreneur who serves as CEO of NoviCap. Prior to founding NoviCap, he was Managing Director of Rocket Internet for which he headed the rapid expansion of Internet ventures throughout Asia Pacific. His most recent success at... Read More →


Tuesday June 5, 2018 11:40am - 12:10pm
The Carousel Stage

12:10pm

Securely opening up financial data to create meaningful value propositions for lending
Open banking is going to open up alternative data sources to be utilised for credit scoring, but no one knows how it works long term. Are FinTechs right to go it alone or can banks provide the trusted brand augmented by core product offerings?

Moderators
avatar for Yusuf Ozdalga

Yusuf Ozdalga

Partner, QED Investors
Yusuf is a Partner at QED Investors which he joined in 2017 with a focus on London and the portfolio of European investments. Prior to joining QED, Yusuf was an active investor in MENA and Turkey for eight years, where he sourced, executed, and exited investments across several sectors... Read More →

Speakers
avatar for Rajiv Chandna

Rajiv Chandna

Head of Strategy & Bus Devt, Grab Financial Group
Rajiv is the head of Strategy for Grab's FinTech arm.As part of this role - he leads Data Analytics, Strategy, Business Development and New Product Launches. Prior to this, he has had a wide ranging career - working for BCG, Standard Chartered, Cadbury, United Nations, DHL and AIESEC.Rajiv's... Read More →
avatar for Lucy Marie Hagues

Lucy Marie Hagues

Chief Marketing Officer, Capital One
Lucy cares about social and financial inclusion. She believe that credit on fair terms should be accessible to a much wider population. Lucy's background is as an analyst and she is an engineer by training, who is excited by great design. She would like to bring together deep consumer... Read More →
avatar for Jaidev Janardana

Jaidev Janardana

CEO, Zopa
Jaidev Janardana is Chief Executive Officer of Zopa, the world’s first peer-to-peer lending company. For the past 15 years, Jaidev has worked to create simple, fair financial products and services for consumers by leveraging technology and analytics. Jaidev joined Zopa in 2014... Read More →
avatar for Matthias Kröner

Matthias Kröner

Founder and CEO, Fidor
Matthias Kröner is the co-founder and CEO of FIDOR Bank AG, the neobank with the unique positioning of ‘Banking with Friends’ launched in Germany, the UK, soon in France and most recently acquired by the group BPCE. Fidor Bank reflects Matthias Kröner’s vision of digital and... Read More →


Tuesday June 5, 2018 12:10pm - 12:50pm
The Carousel Stage