Hours of Content
Leveraging the payments rails, SMEs with a range of tailored, dynamic credit, loans and working capital schemes is creating a new class of commercial businesses that are given the support they need to thrive and grow.
Mortgages, student debt, credit ratings and finding your personal at the point of sale. How is lending responding to a society where old traditional notions of ‘worthiness’ now seem stale and outdated?
Open Banking/Finance, personalised services, as well as dealing with risk, compliance, and KYC & AML and combating fraud. Data underpins all, but is it keeping pace with the demands of Lending 3.0?
Loans, funding and credit offer much needed liquidity to businesses and personal accounts in the economic revival, post-covid. Is it possible to balance cheap access to credit and loans with financial prudence?
New technologies have empowered lenders to diversify and create more suitable and accessible products for borrowers. Is Lending 3.0 bringing the disruption that fintech promised?
Lenders need to act fast to hit regulatory and government climate targets and have an important role to play in supporting ESG goals. How can we revamp lending strategies to incentivise customers in the drive to net zero?
Watch FinTech leaders from around the world debate and discuss how lending is evolving and powering businesses and lives in the 21st Century.
Explore the technologies that are powering lending and the lives of 21st Century borrowers. Innovations such as Open Banking, AI, Embedded Lending, BNPL, Crypto Loans and Digital Platforms are giving lenders the power to offer more services to customers.
When we think of innovation in buy now, pay later products, you should look no further than Zilch. But how has this fintech scaled so quickly? And what innovation are they delivering to maintain their enviable trajectory? In this exclusive fireside chat, you’ll get to hear first-hand the story behind the rise of Zilch, how they built a modern card programme to transform the buy now pay later experience and what their future innovation plans are.
Lenders need to act fast to hit regulatory and government climate targets and have an important role to play in supporting ESG goals. This session explores the key ideas for revamping lending strategies to increase sustainability, incentivising customers in the drive to net zero and the role that digital can play in building a more sustainable financial services industry.
Modern SMEs come in all shapes and sizes, creating a huge opportunity for lenders to create products for a range of segments, verticals and regions. Challenger banks in the UK have spotted this opportunity to provide services at a very local level, improving financial inclusion, reducing regional inequalities and building economic resilience.
Lending regulations have recently been dominated by the nature and speed of recovery from the COVID-19 pandemic and managing the impact of Brexit. The session will explore how the regulatory landscape has changed in areas such as SME loans, identity, financial crime, climate change and sustainable finance, loan monitoring, credit assessment, open banking and more.
With globalisation and liberalisation breaking down boundaries around the world, at an individual level people have never felt so strongly about their communities. We hear from the financial innovators who are developing personalised lending services for specific segments or “tribes” and encouraging inclusive lending. Exploring LGBTQ+ communities, religious groups, provincial populations and minority-owned business borrowing to name but a few.
Having come of age during a global pandemic, buy now, pay later is now a firm fixture of the lending landscape. Stereotypically seen as a young person’s product, questions remain over whether it will replace or complement credit cards. If today’s innovators are anything to go by, buy now, pay later will evolve and reach other parts of the financial ecosystem in the coming years. The panel will explore where the buy now, pay later journey is heading next and what it might look like come the 2030s.
An increasing number of modern lenders are reinventing the credit card for consumers and SMEs to deliver a better borrower experience. Using API platforms, lenders are helping borrowers get control over their finances, receive personalised rewards and get access to credit at 0% interest. The panel explores how modern API platforms are enabling lenders to transform the credit card.
Although they provide vital credit to the masses, it could be argued that traditional lending services still overlook many borrowers’ financial wellbeing and needs, meaning that many individuals are being excluded. Thanks to new sources of data and innovations for better lending decisions, things are starting to change. This panel explores how credit cards and consumer lending must go beyond transactions and traditional lending services, to provide personalised experiences, rewards and repayment schemes to make everyday spending or life milestone purchases quicker and easier.
Owning your own home is a significant milestone for many, but the home-buying experience can be testing. How can digital solutions streamline the process and create more suitable products for homebuyers in a post-covid world? The panel also explores key trends with the rise of green loans, first-time-buyers, buy to let and other specialist mortgages.
Lending has arrived at a crossroads. For some years, it’s been the preserve of specialist businesses, which have focussed on optimising the borrower experience and serving new segments. Now other financial services providers are getting in on the act, with the likes of challenger banks in particular expanding product portfolios to offer loans alongside current accounts and insurance products. The question is, should lenders adopt a similar approach and re–bundle, or stay focussed on what they know best?
Improved access to real-time data has transformed and accelerated lending decisions. APIs offer connections to new financial data points and a route to the instant economy for SMEs who have historically struggled to be assessed for creditworthiness. The panel will explore all things open – access to third party data, personalisation and empowering businesses to have better access to and management of their finances.
No lender is an island, to coin a phrase. We often hear about the unbundling and re–bundling of banking services from an end user perspective, but what about those digital innovators working behind the scenes to make the lending body work – the vital organs, if you like? Explores the best modern lending propositions which are being brought to life by a network of niche operators working in partnership to deliver better outcomes for borrowers.
What does SME lending look like post-covid and what are the key innovations in lending for business recovery? This panel explores how lenders are transforming their products to provide best-in-class SME lending capabilities and building digital lending platforms to support small-medium businesses in achieving their goals.
Modern lending propositions are driven by customer experience. This panel addresses today’s demand for faster decisions, personalisation and seamless borrower journeys. Explores how automation can streamline the customer experience and improve the efficiency of back-end processes, such as origination, onboarding, and reconciliation.
The importance of identifying an individual or business representative has been highlighted during the pandemic, with an increase in online customer purchases and covid recovery loans for businesses led to widespread incidents of fraud. The panel explores how lenders are prioritizing digital identity to streamline customer onboarding, strengthen security and diminish costs.
Crypto lending platforms have gained huge momentum in recent years. The innovation and opportunities for borrowers and investors are undeniable but the relatively unregulated market and technical demands create many crossroads. This session explores the benefits and risks associated with crypto-based lending as we hear from some of the lenders who are leading the way.
The e-commerce boom has created millions of small businesses globally. And as sectors go, it’s perhaps better equipped to benefit from modern lending propositions than any other, thanks to its digital connectedness and potential for API innovation. The panel explores how lending to e-commerce SMEs might evolve, with a focus on embedded services, buy now, pay later, supply chain lending and more.
Both lenders and borrowers are embracing digital transformation in lending services and products. To close the stage, this session will explore what key technologies, such as AI, machine learning, blockchain, centralised risk scoring and other innovations, can bring to the lending sector in the years to come.
*We have a limited number of complimentary passes for attendees from regulated lenders that are available by application. A lender for the purposes of FTT Lending 3.0 is defined as a business or financial institution that extends credit to companies and individuals. Accepted applicants will be required to pay a fully refundable deposit of £50 to reserve a space at the event. You can claim a refund at point of attendance, or choose to donate to our chosen charity.