Powering the Future of Lending

FTT Lending 3.0 co-located with Future Identity Finance

29th March 2023 | Convene at 22 Bishopsgate, London

Welcome the 3rd Edition

Save £400 on our super early bird rate before 20th January 2023!

Lenders and non-financial institutions exploring embedded lending solutions can apply for a free pass.

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

Key Event Stats 2023








Hours of Content


Technology buyers


Rockstar Speakers



Networking Drinks

Rockstar Speakers 2023

Explore our expert speakers at the forefront of lending

Alex Miles
UK Managing Director
Capital On Tap
Conrad Ford
Chief Product & Strategy Officer
Allica Bank Limited
Ann Marie Juliano
Founder & CEO
Rob Shearing
Wolverhampton City Credit Union
Ravi Anand
Managing Director
Rahul Duseja
Director of Credit
Robustiano Tubio
Simon Farmilo
Director of Strategic Partnerships
Capify UK
Andrew Trimmer
Head of Technology
Simply Asset Finance
Benjamin Dellal
Director of SME Lending
Metro Bank UK
Daniel Gibbs
Climate Consultant – Enterprise and Climate Propositions
NatWest Group
Rishi Zaveri
Co-Founder & CEO
Tameka Spencer
Deputy CEO
Wolverhampton City Credit Union
Ben West
Head of Business Development
London Mutual Credit Union

Key Themes 2023

SMEs Powered by Capital

Innovative providers are offering an ever-growing range of dynamic credit, loan and working capital options to SMEs. Increasingly tailored to their individual needs, creating more opportunities to provide them with the support they need to thrive and grow.

Personalistion for People 

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 How is lending responding to a society where old traditional notions of ‘worthiness’ now seem stale and outdated?

Decisions Powered by Data

 Open Banking / Finance, personalised services, as well as dealing with risk, compliance, KYC & AML, and combating fraud. Data underpins all, but is it keeping pace with the demands of Lending 3.0?

Lending to Live

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? 

Emerging Lending Types

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?  

Transitioning to net zero

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 can we revamp lending strategies to incentivise customers in the drive to net zero? 

Who Attends?

Financial Institutions & Technology Companies

Future of Lending Stage 2022

Watch Fintech leaders from around the world debate and discuss how lending is evolving and powering businesses and lives in the 21st Century.

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.

  • Vidya Peters, Chief Operating Officer, Marqeta
  • Philip Belamant, CEO & Co-Founder, Zilch

Lenders need to act fast to hit regulatory and government climate targets and have an important role to play in supporting ESG goalsThis session explores the key ideas for revamping lending strategies to increase sustainabilityincentivising customers in the drive to net zero and the role that digital can play in building a more sustainable financial services industry 

  • Susie Aliker, CEO, Tandem Bank 
  • Emma Harvey, Director, Green Finance Institute
  • Amyas Phillips, Co-Founder & CTO, Offgrid.Finance
  • Daniel Gibbs, Climate Consultant, Enterprise & Climate Propositions, NatWest Group
  • Chinyelu Oranefo, Director, Sustainability & ESG Finance, Lloyds Banking Group
  • Steve Round, Chair, Ecology Building Society (moderator) 

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.

  • Michael Harriman, Chief Information and Technology Officer, AlbaCo Limited
  • Francesco Filia, CEO & CIO, Fasanara Capital Ltd
  • Ross Breadmore, Chief Product Officer, 4g Capital
  • Ravi Anand, Managing Director, ThinCats
  • Joanna Scott, Managing Director, Boost&Co
  • Paul Loberman, Chief Product Officer, Untied

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. 

  • Mac Mahalingam, Head of Architecture – Global Risk Analytics & Retail Credit Risk, HSBC
  • Anna Roughley, Head of Insight, Lending Standards Board
  • Kwasi Affum, Sustainability & ESG Regulation, Analysis & Strategy, Barclays
  • Natasha de Terán, Member of the CBDC Engagement Forum, Bank of England (moderator)

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. 

  • Rishi Zaveri, Co-Founder & CEO, Lendwise
  • Sarah Kocianski, Strategic Insights, Founders Factory
  • Simon Dukes, Chief Executive, Fair for You Enterprise CIC
  • Daniel George, Founder & CEO, StepEx
  • Robert Pasco, CEO and Co-Founder, Plend
  • Emily Trant, Head of Impact & Inclusion, Wagestream (moderator)

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 productquestions 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. 

  • Jakob Pethick, Chief Commercial Officer, YouLend
  • Jan Lytje-Hansen, CEO, ViaBill A/S
  • Madhusudan Kejriwal, MD & Group Head of Cards, Loans and Partnerships, HSBC
  • Akita Somani, SVP, BNPL/POS Lending, U.S. Bank
  • Richard Felton, Head of Sales, Europe, Marqeta (moderator)

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.

  • Anna Porra, European Strategy Director, Marqeta (moderator)
  • Alex Miles, UK Managing Director, Capital On Tap
  • Robustiano Tubio, Chief Financial Officer, Tymit
  • Christian Sobkowski, Credit Director, Juni

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.

  • Callan Carvey, Head of Business Operations & Partnerships, Cleo
  • Anna Maxim, Chief Compliance Officer, The Credit Thing
  • Tim Waterman, Chief Commercial Officer, Zopa
  • Petr Bulka, Managing Director, Cool Credit
  • Veronica Glab, Head of Engagement, Innovate Finance (moderator)

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. 

  • Mike Fullalove, SVP, Strategy and Business Development, FintechOS
  • Vicki Harris, Chief Commercial Officer, Kensington Mortgages 
  • Marita Cavalcanti, Chief Financial Officer, Proportunity 
  • Cameron Orcutt, Co-founder and CEO, Onladder 
  • John Scrivens, Intermediary Development & Leadership – Regional Manager, Skipton Building Society
  • Maria Harris, Director, Digital Cat Consultancy (moderator)

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 rebundle, or stay focussed on what they know best?  

  • Liz Lumley, Deputy Editor, The Banker (moderator)
  • Richard Davies, Chief Executive Officer, Allica Bank
  • Elizabeth Rossiello, CEO & Founder, AZA Finance
  • Michael Hurup Andersen, Founder & co-CEO, kompasbank
  • Matt Cumbers, Head of Compliance, Habito
  • Mike Davies, Head of Business Development, YBS Commercial Mortgages

Power of Lending Stage 2022

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.

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.

  • Ronan O’Dea, Head of Product, Validis (moderator)
  • Gilad Amir, Digital Operating Partner, Pollen Street Capital
  • Constanza Castro Feijóo, Stakeholder Engagement Manager, Open Banking Implementation Entity
  • John Oliver, Head of Open Account Client Management, Barclays
  • Conrad Ford, Chief Product & Strategy Officer, Allica Bank

No lender is an island, to coin a phrase. We often hear about the unbundling and rebundling 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 

  • Natasha Jones, Early Stage Investor, Octopus Ventures (moderator)
  • Alexis Kopylov, CEO & Founder, DBT
  • Jays Shortt, Chief Product Officer, LANDBAY
  • Garrett Cassidy, VP Credit, Monese
  • Julia McColl, Chief product Officer, Chetwood Financial

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. 

  • Benjamin Dellal, Head of SME Lending, Metro Bank 
  • Monica Velasquez, Chief Technology Officer, Recognise Bank
  • Rahul Duseja, Director of Credit, Cashplus Bank
  • Julie Ashmore, CEO, NatWest Rapid Cash 
  • Brendan Gilmore, Managing Director. BPG Strategy (moderator)
  • Tom Byrne, General Manager – International Lending, nCino

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.

  • Iana Dimitrova, Chief Executive, OpenPayd
  • Simon Farmilo, Director, Strategic Partnerships, Capify UK
  • Stuart Lawson, Chief Commercial Officer, Funding Options
  • Michael Gorner, Head of Product, MarketFinance
  • Ali Paterson, Editor in Chief, FF News, Fintech Finance (moderator)

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.

  • Will Hackett, Head of Fintech Practice, Pangea (moderator)
  • Francisco Martins, Senior Executive, Financial Services, IDnow
  • Anna Maxim, Chief Compliance Officer, The Credit Thing
  • Mac Mahalingham, Head of Architecture – Global Risk Analytics & Retail Credit Risk, HSBC
  • Andrew Trimmer, Head of Technology, Simply Asset Finance

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. 

  • Tony Lees, Chief Product Officer, Wirex
  • Mark Hipperson, CEO, Ziglu
  • Nick Jones, Co-Founder & CEO, Zumo
  • Richard Maton, Managing Director, Aperio Strategy (moderator)

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. 

  • Jen McDonald, Head of Lending Operations, Bloom Financial Group Limited
  • Gianna Lengyel, VP Sales, Billie
  • Marios Noutsos, Co-Founder & COO, Finloup
  • Daniel Lowther, Head of Fintech and Board Member, CCgroup (moderator)

Both lenders and borrowers are embracing digital transformation in lending services and products. To close the stage, this session will explore what key technologiessuch as AI, machine learning, blockchain, centralised risk scoring and other innovations, can bring to the lending sector in the years to come. 

  • Chirag Shah, Founder & CEO, Nucleus Commercial Finance Ltd.
  • Dave Wallace, Founder, NMD+ (moderator)
  • Lawrence Giliolo , Founder, Lenderwize Ltd
  • Des Adkinson, Software Engineering Manager, Habito

Register Now

Join the dreamers and do-ers powering the future of lending.

A limited number of complimentary passes are available for Lenders and non-financial institutions exploring embedded lending solutions.

Technology and service providers can purchase a pass for £899 saving £400 on the super early bird rate.

Rockstar Pass

£899 Super early bird expires Fri 20th Jan 2023
  • Access to the Future of Lending & Power of Lending Stages
  • Access to the Future Identity Finance co-located event
  • Access to networking drinks
  • Access to networking app
  • Access to exhibition floor

Complimentary Pass

FREE* Limited passes available as part of our Hosted Buyer Meetings Programme
  • Access to the Future of Lending & Power of Lending Stages
  • Access to the Future Identity Finance co-located event
  • Access to networking drinks
  • Access to networking app
  • Access to exhibition floor

*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. 

Enquire Today

Get involved See below for potential opportunities:
  • Speaking opportunities
  • Sponsorship opportunities
  • Exhibition opportunities
  • Media partnership opportunities

Contact us

Reach out to the FTT Lending 3.0 team with queries on how to get involved with the event through our 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


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