Powering the future of lending

FTT Lending 3.0

19th March 2024 | London, UK

Welcome to the 4th edition

Tech and solution providers can save £400 with the super early bird rate before Friday 26th January, 2024

The premier gathering for lending innovators

Mark your calendars for the ultimate event for the next generation of lenders, loan providers, fintechs, credit and capital allocators who are powering the future of lending.

Connect with an extensive network of 500+ industry leaders, encompassing top lenders, innovative loan providers, forward-thinking fintech pioneers, as well as credit and capital allocators, all under one roof.

Key event stats








Hours of content


Technology buyers


Rockstar speakers



Networking drink

Key themes

Regulation &

Legislation protecting consumers has rocketed up the priority lists of lenders and fintechs alike in the past year, with the key takeaways being transparency, affordability assessment, fair treatment, secure data and alternative lending options. Hear how front line financial institutions are adapting for the good of the consumer.

SMEs powered
by capital 

Innovative providers are offering an ever-growing range of credit, loan and working capital options to SMEs. How can the sector collaborate to create more opportunities to provide SMEs with the support they need to thrive and grow.

Modern borrower behaviour

Borrowing habits change like the seasons, with the continuing cost-of-living crisis tightening the pockets of consumers and businesses alike. What does the modern borrower look like and how are modern lenders stepping up to address their individual needs?

Lending to

At the centre of the cost-of-living-crisis lies the consumer, struggling to make ends meet and trying to anchor their finances. How can lenders respond to their evolving needs and also support the underserved in society? 

Nearing net

Lenders need to act now to hit fast changing regulatory requirements and government climate targets. They have a pivotal role to play in supporting ESG goals. How are they incentivising customers in the drive to net zero?

Emerging lending

New technologies have empowered lenders to diversify and create more suitable and accessible products for borrowers. Hear from those institutions leading the charge for the future of lending.

Early confirmed Rockstar speakers

Explore our expert speakers at the forefront of lending

Tim Rooney
Chief Executive Officer
Salad Money
Niv Subramanian
Chief Lending Officer
Allica Bank
Brett Shanley
Founder & Chief Executive Officer
Philip Gould
Chief Lending Officer
Avamore Capital
Lucile Flamand
Chief Strategic Development Officer
Bibby Financial Services
Alastair Douglas
Chief Executive Officer
Colin Field
Chief Executive Officer
Saffron Building Society
Chirag Shah
Founder & Chief Executive Officer
Nucleus Commercial Finance
Gurminder Bhagrath
Chief Operating Officer
Plane Saver Credit Union
Dr. Daniel Bartsch
Co-Founder & Chief Financial Officer
Julia McColl
Chief Product Officer
A Retail Organisation
Damien Burke
Chief Executive Officer
Custom Credit
Philippa Pykett
Head of Digital SME Lending Growth
Shawbrook Bank
Joshua Fabian-Miller
Director of Credit
Anna Decoudu
Lending Director, Consumer Finance
Rate Setter / Metro Bank (UK)
Maddy Alexander-Grout
Mad About Money
Aimee Smith
Sustainability Manager
Principality Building Society
Charlie Onions
Product & Content Manager
VC Innovations

Co-located with: Future Identity Finance

Future Identity Finance, brings together digital identity and security innovators from leading retail and corporate banks, insurers, lenders, regulators and technology enablers. A full-day of live content, featuring 50+ rockstar speakers will explore how innovation, regulation and customer expectations are changing how we identify ourselves to access financial services.

Speakers include:

Ildefonso Olmedo
CDiO Cistomer & Innovation
Paola Cristina Nuñez Ameri
VP, Chief Country Compliance Officer
James Coveney
Head of Data Science
Cashplus Bank
Zwelli Burns
Senior Director, Compliance Technology & Crypto
Ravneet Shah
Allica Bank

2023 agenda

2024 agenda coming soon...

Charlie Onions, Product & Content Associate, VC Innovations

The current economic climate points to a pressing need for SME & consumer empowerment. Our rockstar panellists tackle the pain-points and ponder the next steps towards closing the near-prime gap for the underfinanced.

Daniel Drummer, CFO, auxmoney
Tom Renwick, Head of Business Lending, Atom Bank
Robustiano Tubio, CFO, Sonovate
Andres Korin, Co-Founder & CFO, Debite
Anna Roughley, Head of Insight and Engagement, The Lending Standards Board
Moderator: Richard Maton, Director, Aperio Strategy

Accessing affordable credit is an uphill battle for millions of people. Our Rockstar panellists reflect on the challenges and how they can be remedied through open banking innovation.

Tim Rooney, CEO, Salad Money
Gerald Chappell, CEO & Co-Founder, Abound
Benjamin Dellal, Director of SME Lending, Metro Bank UK
David Pope, Mitek Identity Expert, Mitek
Moderator: Dharmesh Mistry, CEO, Ask Homey

The poster child of the lending sector is in prime position to lead the way in modern lending practices and accessible credit solutions. Two BNPL leaders sit down to discuss the evolution and role of short-term, point-of-sale financing.

Philip Kelvin, Co-Founder & CEO, Tranch
Brett Shanley, Founder & CEO, Knoma
Moderator: Sophia Furber, Fintech Research Analyst, S&P Global Market Intelligence

Embedded lending isn’t just hype and has evolved into a bona fide priority for many businesses across the globe. Our panellists discuss the how and the why of implementing embedded lending products and why it deserves all the attention it is getting.

Shehan Silva, Managing Director and Head of Digital Solutions, HSBC
Nick Holt, Director of Solutions Engineering, Marqeta
Sacha Cayre, CMO, Silvr
Moderator: Sarah Kocianski, Fintech Strategist, SJK Insights

In the wake of COVID-19, ripples across trade and supply chain finance can still be felt. Our Rockstar speakers take to the stage to discuss potential solutions to the disruption, including innovations in invoice financing, APIs and much more.

Sibel Sirmagul, Head of Sales UK NRFB, Europe Regional Head CTF & FIG | Global Trade and Receivables Finance, HSBC
Sandra Nolasco, CEO, Twinco Capital
Moderator: Bhavna Saraf, Senior Trade Finance Banker, (ex-Citi, Lloyds, SWIFT) & Advisory Board

Famed for its personalised approach and community spirit, the mutual sector needs little introduction. Community based institutions play a crucial role in lending. Our panellists will discuss how they keep pace with a fast-moving sector to offer the best products and services to their members.

Jonathan Evans, National Accounts Lead, Skipton Building Society
Ben West, Head of Business Development, London Mutual Credit Union
Jonathan Stinton, Head of Intermediary Relationships, Coventry Building Society
Gurpreet Chahal, Corporate Account Manager, Accord Mortgages Limited
Richard Howes, Director of Mortgages, Paradigm Mortgage Services
Moderator: Jay Evans, Director, One Brick Communications

Partnership between financial and non-financial institutions plays a crucial role in furthering national economic health and product innovation. Speakers from Jaja Finance and ASDA Money sit down to discuss their own partnership and the journey they had to get there.

Katie Walley, Senior Director – Money, Mobile and Gift Cards, ASDA
Lucas Dalglish, Chief Commercial Officer, Jaja Finance
Moderator: Bridget Greenwood, Founder / Co-Founder, The Bigger Pie, The 200Bn Club

Our panel explores the technology behind the latest innovations that are powering new product launches and enhanced customer experiences across traditional and alternative lending.

Craig Smith, CEO, JustLend
Dr Amber Ghaddar, Founder, AllianceBlock
Charlotte Dodds, Head of Marketing, Maple Finance
Thomas Nokin, Founder, Basikon
Moderator: Maria Harris, Director, Digital Cat Consultancy

With supply chain disruptions affecting consumers and businesses across the globe, supply chain finance solutions need to help resolve the hurdles. Solution providers and lenders serving businesses around the globe are calling out for the gaze of industry disruptors. Join a panel discussion that will explore the role that data plays in addressing (and digitalizing) one of the clunkiest areas in the chain – Inventory Finance.

Marco Bosma, Chief Commercial Officer, Finventory
Rens Jonker, Lead, Risk Management Implementation, ABN AMRO Commercial Finance
Philippe Roca, Managing Director – Corporate Debt Funds, Sienna Investment Managers
Oren Bass, Head of Origination, Working Capital Finance, Pemberton Investment Management
Sarah Mellet, Partner (Modelling, Analytics & AI), EY
Moderator: Andrew Samu, Editor, #DisruptionBanking

Given the many accusations of greenwashing, meet the Rockstar speakers that are creating tangible green lending products that address the concerns of climate-conscious borrowers. Here they discuss the trials they’ve faced to get them off the ground and the potential for demonstrable impact.

Lynne French, Lending Director, CHL Mortgages
Tony Hall, Head of Business Development, Saffron Building Society
Roger Morris, Director of Mortgage Division Sales and Distribution, Tandem Bank
Tracie Callaghan, Innovation Lead, Climate Data and Technology, NatWest
Moderator: Dharmesh Mistry, CEO, AskHomey

Taking place in the exhibition area

Onesha Liyanage, Senior Producer (Embedded Finance & Customer Alpha), VC Innovations

Is fintech the answer to all our problems? Are the incumbents playing the long game? Find out as our Rockstar panel opens the stage with a hot debate.

Ann Marie Juliano, Founder & CEO, Muse Finance
Conrad Ford, Chief Product Officer, Allica Bank
John Oliver, Head of Client Management and Audit for Open Account Products, Barclays
Andrei Gaman, Commercial Vice President, FintechOS
Moderator: Brendan Gilmore, MD, BPG Strategy

Innovators from across the sector sit down to discuss the powerful potential for microlending, the challenges in its delivery amongst wider industries and how strong partnerships can help to overcome its primary obstacles.

Craig Smith, CEO, JustLend
Tracey Horner, Head of lendwithcare, CARE International UK
Chris Bennett, Head of Commercial and Partnerships Fair for You
Vashti Seth, Founder & CEO, Deki
Moderator: Samuel Manning, CEO, Hope Macy

Our Rockstar mortgage experts pitch in on the latest sector trends, challenges and predictions.

Roger Morris, Director of Mortgage Division Sales and Distribution, Tandem Bank
Matt Lowndes, Innovation Director, Mortgage Advice Bureau
Julian Cork, COO, LANDBAY
Scott Marshall, Founder & Managing Director, Roma Finance
Moderator: Maria Harris, Director, Digital Cat Consultancy

Blockchain technology finds its way into one of the most important sectors in finance. How will it change the modern lender and, more importantly, impact the modern borrower? Our pioneer panellists tell all.

Michael Stroev, COO & Head of Product, Nebeus
Gilad G Amir, Digital Operating Partner, Pollen Street Capital
Michael Hall, Founding Partner & CIO, Nickel Digital Asset Management
Moderator: Richard Maton, Director, Aperio Strategy

Seamless customer engagement leads to improved experience in-app or online. Marketing and design leaders from across the sector gather to show how the “front end” is just as crucial as the back.

Joe Postle, Head of Product, Jaja Finance
Michael Stroev, COO & Head of Product, Nebeus
Bhavik Sanghvi, Product Director – New Product Innovation, PaaS, Monese
Jays Shortt, Chief Product Officer, LANDBAY
Moderator: Christophe Langlois, Global Head of Marketing, Fintech & Developer Ecosystem [FusionFabric.cloud], Finastra

60% of SMEs are uncertain that they would be approved for a loan. This raises an important question: Is the current criteria for a standard business loan outdated?

Rahul Duseja, Director of Credit, Cashplus
Anuj Khanna, CEO, Kashkind
Andrew Trimmer, Head of Technology, Simply Asset Finance
Ravi Anand, Managing Director, ThinCats
Chris Kneen, Managing Director UK & I, Provenir
Moderator: Bullish Dumpling, Cardano KOL, Cardano

With regulation catching up, how are BNPL’s heavies preparing to adjust and adapt their current strategies and processes?

Ruth Spratt, UK Country Manager & Board Director, Affirm
Brett Shanley, Founder & CEO, Knoma
Moderator: Briony Krikorian-Slade, Principal (Payments), UK Finance

George Dunning, COO & Co-Founder, Bud
Gabrielle Gleeson, Strategic Operations Director, Totally Money

Madhusudan Kejriwal, MD & Head of Cards and Loans, HSBC UK
Moderator: Bridget Greenwood, Founder / Co-Founder, The Bigger Pie, The 200Bn Club

Capping things off with a bold look forward, our panel place their hopes and bets on a brighter lending future for all.

Phillip Hyett, CFO, Salad Money
Daniel Gibbs, Climate Consultant (Enterprise and Climate Propositions), NatWest Group
Evangeline Atkinson, Founder & CEO, NogginHQ
Nathan Spiteri, Head of Growth, Plend
Moderator: Jay Evans, Director, One Brick Communications

Taking place in the exhibition area

Content, community & experiences

Look forward to lively conversations, new connections, and lots of identity and good times

Iconic London venue

Future Identity Finance will take place at etc.venues, St Pauls. The perfect space to experience our live content sessions and busy exhibition area, right in the heart of London’s Square Mile.

Drinks reception

Join us from 5.30pm on the expo floor for a drinks reception, to finish off a day of inspiring content and smart networking. Discuss and debate what’s been covered on stage throughout the day, do a final sweep of the expo, and connect with anyone you haven’t had a chance to meet yet.

VIP Hosted Meetings Programme

Taking place in our brand new and exclusive hosted meetings lounge.

Fast-track access to the industry leaders and technology providers you want to meet with efficiency and ease. Look no further to strengthen existing partnerships and build new connections.

We have a brand new opportunity available for you to get involved – get in touch with us at marketing@vcinnovations.co.uk to view our Meetings Package as part of the VIP Hosted Meetings Programme.


Future Identity Finance

Access to our co-located event Future Identity Finance, dedicated to exploring how innovation, regulation and customer expectations are changing how we identify ourselves to access financial services.

Past attendees include

Financial institutions & technology companies





Contact us

Reach out to the FTT Lending 3.0 team with queries on how to get involved through sponsorship, exhibition, speaking, or media partnership opportunities

Victor Cruz
Sponsorship & Exhibition
Alicia Condon
Senior Marketing Manager
Marketing and Media Enquiries
Kym Osborne
Head of Operations
Operations Enquiries
Charlie Onions
Product & Content Associate
Agenda & Speakers Enquiries


This website uses cookies to give you the best experience. Agree by clicking the 'Accept' button. Read our Privacy Policy.