Powering the Future of Lending

Welcome to FTT Lending 3.0 - The 3rd Edition

Convene at 22 Bishopsgate // City of London, London
(29th March 2023)

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



Who Attends?

Financial Institutions & Technology Companies


Financial Institutions




Meetings Facilitated


Hours of Content


Technology Buyers


C-Suite Speakers




Innovative Startups

Rockstar Speakers 2022

Susie Aliker
Chief Executive Officer
Tandem Bank
LinkedIn Page
Cameron Orcutt
Co-founder and CEO
LinkedIn Page
Monica Velasquez
Chief Technology Officer
Recognise Bank
LinkedIn Page
Julie Ashmore Dann
Chief Executive Officer
Rapid Cash, Natwest RBS
LinkedIn Page
Elizabeth Rossiello
CEO & Founder
AZA Finance
Rahul Duseja
Director of Credit
Cashplus Bank
LinkedIn Page
Marita Cavalcanti
Chief Financial Officer
LinkedIn Page
Garrett Cassidy
VP Credit
Richard Davies
Chief Executive Officer
Allica Bank
Chinyelu Oranefo
Director, Sustainability & ESG Finance
Lloyds Banking Group
Rishi Zaveri
Co-Founder & CEO
Philip Belamant
CEO & Co-Founder
Michael Hurup Andersen
Founder & co-CEO
Vidya Peters
Chief Operating Officer
Callan Carvey
Head of Business Operations & Partnerships
Cleo AI
LinkedIn Page
Benjamin Dellal
Head of SME Lending
Metro Bank (UK)
Michael Harriman
Chief Information & Technology Officer
LinkedIn Page
Madhusudan Kejriwal
MD & Group Head of Cards, Loans & Partnerships
Ravi Anand
Managing Director
Anna Maxim
Chief Compliance Officer
The Credit Thing
Jakob Pethick
Chief Commercial Officer
Anna Porra
European Strategy Director
Conrad Ford
Chief Product and Strategy Officer
Allica Bank
John Scrivens
Intermediary Development & Leadership - Regional Manager
Skipton Building Society
Mac Mahalingam
Head of Architecture – Global Risk Analytics & Retail Credit Risk
Iana Dimitrova
Chief Executive
Daniel Gibbs
Climate Consultant, Enterprise and Climate Propositions
NatWest Group
Francesco Filia
Fasanara Capital Ltd.
Mike Fullalove
SVP, Strategy and Business Development
Anna Roughley
Head of Insight
Lending Standards Board
Vicki Harris
Chief Commercial Officer
Kensington Mortgages
Mark Hipperson
Founder and CEO
Gilad G. Amir
Digital Operating Partner
Pollen Street Capital
LinkedIn Page
Brendan Gilmore
Managing Director
BPG Strategy
Kwasi Affum
Sustainability & ESG Regulation, Analysis & Strategy
Nick Jones
Co-Founder & CEO
Alex Miles
UK Managing Director
Capital On Tap
Emma Harvey
Green Finance Institute
LinkedIn Page
Joanna Scott
Managing Director
Chirag Shah
Founder & CEO
Nucleus Commercial Finance Ltd.
Tony Lees
Chief Product Officer
Amyas Phillips
Co-Founder and CTO
Julia McColl
Chief Product Officer
Chetwood Financial
Ross Breadmore
Chief Product Officer
4G Capital
Ronan O'Dea
Head of Product
Liz Lumley
Deputy Editor
The Banker
Simon Dukes
Chief Executive
Fair For You Enterprise CIC
Stuart Lawson
Chief Commercial Officer
Funding Options
Jen McDonald
Head of Lending Operations
Bloom Financial Group Limited
Daniel George
Founder & CEO
Gianna Lengyel
VP Sales
Simon Farmilo
Director, Strategic Partnerships
Capify UK
Alexis Kopylov
CEO & Founder
Robert Pasco
CEO and Co-Founder
John Oliver
Head of Open Account Client Management
Francisco Martins
Senior Executive Financial Services
Marios Noutsos
Co-Founder & COO
Steve Round
Ecology Building Society
Michael Gorner
Head of Product
Matt Cumbers
Head of Compliance
Jan Lytje-Hansen
ViaBill A/S
Tim Waterman
Chief Commercial Officer
Robustiano Tubio
Chief Financial Officer
Akita Somani
U.S. Bank
Petr Bulka
Managing Director
Cool Credit
Sarah Kocianski
Strategic Insights
Founders Factory
Dharmesh Mistry
Chief Executive Officer
Natasha Jones
Early Stage Investor
Octopus Ventures
Lawrence Gilioli
Lenderwize Ltd
Tom Byrne
General Manager - International Lending
Will Hackett
Head of Fintech Practice
Christian Sobkowski
Credit Director
Jays Shortt
Chief Product Officer
Maria Harris
Digital Cat Consultancy
Richard Felton
Head of Sales, Europe
Paul Loberman
Chief Product Officer
Veronica Glab
Head of Engagement
Innovate Finance
Richard Maton
Managing Director
Aperio Strategy
Ali Paterson
Editor in Chief, FF News
Fintech Finance
Mike Davies
Head of Business Development
Yorkshire Building Society
Des Adkinson
Software Engineering Manager
Daniel Lowther
Head of Fintech and Board Member
Constanza Castro Feijóo
Stakeholder Engagement Manager
Open Banking Implementation Entity
David Wallace
Emily Trant
Head of Impact & Inclusion
Andrew Trimmer
Head of Technology
Simply Asset Finance
Natasha de Terán
Member of the CBDC Engagement Forum
Bank of England

Key Themes 2022

Lending Summit London


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.

People Powered by Personalisation


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.


Future of Lending Stage 2022

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

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.

Rockstar Live Pass

£1199 Limited passes remaining
  • Access to the Future of Lending stage
  • Access to the Power of Lending stage
  • Ability to curate bespoke schedule via VCI Live app
  • Access to matchmaking and meeting scheduler via VCI Live app
  • Access to exhibition floor


FREE* Limited Passes Available.
  • Access to the Future of Lending stage
  • Access to the Power of Lending stage
  • Ability to curate bespoke schedule via VCI Live app
  • Access to matchmaking and meeting scheduler via VCI Live 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. 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.

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