Taking financial services everywhere

Welcome to FTT Embedded Finance UK & Europe 2021

15th & 16th November 2021, The Brewery London (Hybrid)

Join us on 15th & 16th November to become part of the community that is truly re-imagining financial services. 

Festival Sponsors





FTT Embedded Finance Speakers

Saket Saith
Chief Technology Officer
Simon Torrance
CEO, Embedded Finance & Super App Strategies
Executive Working Group Member, World Economic Forum
Sabine VanderLinden
Co-founder, CEO and Managing Partner
Alchemy Crew
Henrik Rosvall
Chief Executive Officer
Clare McKeeve
Group Chief Executive Officer
Charles McManus
Chief Executive Officer
Richard Davies
Chief Executive Officer
Allica Bank Limited
Mark Hipperson
Founder and CEO
Janine Hirt
Chief Executive Officer
Innovate Finance
Cameron Orcutt
Co-Founder and CEO
Alexia de Broglie
Guy Kashtan
Co-Founder and CEO
Otabek Nuritdinov
Co-Founder and CEO
Ash Bhatia
Chief Executive Officer
Shipyard Innovation
Derek Stewart
Founder and Chief Executive Officer
Karan Shanmugarajah
Chief Executive Officer
Marita Cavalcanti
Chief Financial Officer
Toby Kernon
Founder and Chief Executive Officer
Lesley Smith
Vice President Corporate Communications & Public Affairs
Sachin Sharma
Chief Product Officer
Standard Chartered, nexus
Tom Bentley
Chief Commercial Officer
Josh Vazquez
Chief Technology Officer
Tony Lees
Global Chief Product Officer
Nick Bennett
Chief Technology and Operations Officer
Castle Trust Bank
Dylan Bourguignon
Chief Executive Officer
Vilmos Lorincz
Managing Director, Data and Digital Products
Lloyds Banking Group
Siri Børsum
Global VP Finance Vertical Eco-development & Partnerships
Mathias Fonseca
Global Fintech Principal Engineer
Delivery Hero
Christophe Langlois
Global Marketing Lead, Fintech & Developer Ecosystem, FusionFabric.cloud
Tasneem Harnekar
Global Head of Operations
Alchemy Crew
Briony Krikorian-Slade
Principal, Payments
UK Finance
Dr. Kumar Bhaskaran
Innovation & Technology Scout, Office of CTO
IBM Cloud
Jamie Broadbent
Head of Digital, Innovation & Design
RBS International
Nafisa Feeney
Head of AML
Andrew Cregan
Head of Finance Policy
British Retail Consortium
Aymer Wilson
Head of Sales and eCommerce
Kimberly Mescal
Head of Strategic Partnerships
Ken Cregan
Head of Innovation
Mahmoud El-Azzeh
Head of Product - Payments
Adnan Ahmed
Head of Strategy
Starling Bank
David Cunningham
Chief Commercial Officer
Alex Reddish
Managing Director
Tribe Payments
Charlotte Kanagasabapathy
Director - Innovation
Svetlana Novikova
Finance, Data and Pricing Director
Eddie Robb
Commercial Director
Liesl Bebb-McKay
Gilad G. Amir
Digital Operating Partner
Pollen Street Capital
Niamh O'Brien
Senior Solution Architect
Ben Reade
Strategic Partnerships Lead
Pure Planet
Tom Green
Commercial Lead
Cleo AI
Ali Paterson
Editor in Chief
FF News | Fintech Finance
Richard Maton
Managing Director
Aperio Strategy
Rory Brimmer
Senior Manager, Business Development
Lisa Moyle
Director of Strategy
VC Innovations
Flora Pleguezuelos
Product and Content Manager
VC Innovations

For an industry that has been subject to many waves of innovation and disruption in recent years, what does embedded finance mean for the future?
Is it the next stage in the evolution of an industry in which the underlying power structures have held firm?
Will this be the ‘moment’ that really shifts the dial for  incumbents, new entrants and players well outside of the usual suspects?


Live and virtual festival goers


Financial institutions represented


Technology buyers


Facilitated meetings



Lots of

Fintech and good times!

Key themes

Taking Financial Services Everywhere

What does it mean when financial services are provided outside traditional financial institutions? How does enhancing customer experience affect the stickiness of your customers? How customer behaviour has changed after COVID-19 and what does that mean for the future of payments? Explore disruptive strategies to offer seamless financial services and win the hearts and minds of customers.

Understanding the Opportunity

Since every company can become a fintech, opportunities but also competitors are rapidly growing. In order to deliver value to your customers, it is important to understand the ecosystem that embedded finance can bring to your business model. What are the best differentiation strategies across the industry? Learn how you can enhance customer experience while providing seamless financial services, and explore the infinite pool of opportunities that Fintech partnerships offer in this space.   

Technology: The enablers

Explore the technologies enabling a direct connection between non-financial institutions and the consumer How can data improve a tailored product offering that sets you apart from your competition? Is automation leading the path in embedded finance? Hear from industry leaders what are the best practices to launch financial services through BaaS and APIs.

A sustainable future: Regulation

What are some of the most successful regulatory models for embedded finance? What can we expect from a regulatory perspective? Is embedded finance accelerating financial inclusion? Understand how businesses are joining forces with industry regulators to ensure consumer protection in this disruptive and fast-growing industry and in order to achieve a sustainable future for embedded finance.

The verticals are infinite

Despite of payments being in the epicentre of the industry, embedded finance is rapidly expanding in different and almost infinite verticals within financial services, such as lending, insurance, savings, wealth management or even social media, that have become mega trends. Explore how the verticals products are evolving, and what to expect next.

Disruptive Business Models

How are business models adapting and redefining when integrating financial services into their products? How can you boost your business’ value proposition through embedded finance? Hear from industry players how are they overcoming the main challenges when undertaking such integration.

Agenda - Day 1

In this session, Simon will be reviewing the scale of the opportunity for embedded finance in the UK and European market, covering payments, lending, banking, insurance, wealth management and loyalty, as well as defining the practical benefits for “embedders”: Retailers, manufacturers, telcos, techcos, banks, insurers and governments.

  • Simon Torrance, CEO, Embedded Finance & Super App Strategies and Executive Working Group Member, World Economic Forum

In this panel discussion industry leaders will discuss the big questions in embedded finance: How can we successfully integrate financial services in non-financial products at a deeper level? How is open banking catalysing embedded finance?

  • Saket SaithChief Technology Officer, Barclays 
  • Charles McManusCEO, ClearBank 
  • Siri Børsum, Global VP Finance Vertical Eco-development & Partnerships, Huawei
  • Nick Bennett, Chief Technology and Operations Officer, Castle Trust Bank
  • Liesl Bebb-McKay, Director, BBD (Moderator)

Tony will discuss how crypto innovators are making crypto currencies more accessible for consumers, how embedding digital currencies with payments has played a crucial part in the game, and how modern card issuing technology is allowing companies achieve their crypto objectives.

  • Tony Lees, Global Chief Product Officer, Wirex

Modern tech-driven banking began with innovators focussing on a single product or service to solve a single problem. This is known as the ‘great unbundling’. Now fintechs have begun to ‘re-bundle’ some of these innovations in an effort to scale up and increase market share. But it’s no easy feat. Can fintechs successfully pair multiple new banking products and avoid becoming Jacks of All Trades?
Find out at this fascinating discussion on progress in the re-bundling of banking services.

  • Lesley Smith, Vice President Corporate Communications & Public Affairs, Revolut
  • Adnan Ahmed, Head of Strategy, Starling Bank
  • Eddie Robb, Commercial Director, Zumo
  • Kimberly Mescal, Head of Strategic Partnerships, Marqeta (Moderator)

We will analyse the latest technologies behind the veil of banking and launching financial products using API and BaaS. We will also explore the utilization of data to improve your product personalization offering and strategies to adapting your product offering to consumer behaviour through automation and machine learning.

  • Vilmos Lorincz, Managing Director, Data and Digital Products, Lloyds Banking Group
  • Jamie Broadbent, Head of Digital, Innovation & Design, RBS International
  • Niamh O’Brien, Senior Solution Architect, Fivetran
  • Christophe Langlois, Global Marketing Lead, Fintech & Developer Ecosystem, FusionFabric.cloud, Finastra (Moderator)

At Rise, created by Barclays we run a free monthly mentoring programme for FinTech startups, where entrepreneurs can connect on a 1:1 basis with some of the industry’s top experts on a wide range of topics. This year, we’re bringing our mentoring programme to the FinTech Talents Festival, and as one of the speakers featuring at the festival – we’d love to invite you get involved! This is a fantastic opportunity to expand your network, and share your knowledge with some of the most exciting scaling FinTech startups on a 1:1 basis. Over the two hour period, you will meet with four pre-allocated FinTechs, information on each will have been shared with you beforehand.

Interested in getting involved, or want to know more? Please reach out to Grace Batchelor, Rise FinTech Platform Manager at Barclays.

This session will give an understanding of how the last mile has become as important as the first on the customer journey: a look at the payments process from the end-user point of view, discuss why the payments experience needs to remain consistently invisible, but conspicuously tailored. Panellists will also be responding the big questions: How can we create experiences that inspire genuine brand affection? And what part do fintechs really play in that process?

  • Derek Stewart, Founder and CEO, PAYSME
  • Otabek Nuritdinov, Co-Founder and CEO, StormPay
  • Alexia de Broglie, Co-Founder, Juno
  • Alex Reddish, Managing Director, Tribe Payments
  • Tasneem Harnekar, Global Head of Operations, Alchemy Crew (Moderator)

Industry leaders will discuss approaches to enhancing your value propositions through embedded finance. The panel will explore the best practices to integrate embedded finance into your business model. We will also be learning from fintech on how to provide infrastructures to create better experiences more effectively.

  • Tom Bentley, Chief Commercial Officer, Vodeno
  • Ben Reade, Strategic Partnerships Lead, Pure Planet
  • Henrik Rosvall, Chief Executive Officer, Dreams
  • Liesl Bebb-McKay, Director, BBD (Moderator)

What does the future of BaaS look like, and how can we reinvent the modern banking experience for a digital age? In this session, Sachin Sharma, CPO, Standard Chartered nexus, will showcase Standard Chartered’s BaaS platform and how ecosystem partners and banks can come together to co-create seamless customer experiences.

  • Sachin Sharma, Chief Product Officer, Standard Chartered, nexus

Agenda - Day 2

This fireside chat will discuss in which ways is embedded finance is helping consumer well-being, we will explore the truth behind BNPL: Is embedded finance actually helping people or are consumers stressing over debt? This panel will also review the financial inclusion prospect from embedded finance.

  • Tom Green, Commercial Lead, Cleo AI
  • Nafisa Feeney, Head of AML, Safenetpay
  • Rory Brimmer, Senior Manager, Business Development, Turo
  • Tasneem Harnekar, Global Head of Operations, Alchemy Crew (Moderator)

Panellists will discover how embedded finance is powering companies to use card programs support their core business, different approaches to creating e-commerce frictionless customer journeys, how integrating embedded finance at POS, in-app and web, and using Cloud to boost CX and deepen engagement in embedded payments.

  • David Cunningham, Chief Commercial Officer, Lextego
  • Briony Krikorian-Slade, Principal, Payments, UK Finance
  • Mahmoud El-Azzeh, Head of Product – Payments, DAZN
  • Andrew Cregan, Head of Finance Policy, British Retail Consortium (Moderator)

In this panel discussion, industry leaders will be reviewing the benefits of embedded lending: How can we increase consumer buying rates? Panellists will also discuss utilising data analytics for JIT lending to boost customer engagement, and will review the rise of BNPL schemes and its benefits for retailers.

  • Richard Davies, Chief Executive Officer, Allica Bank
  • Cameron Orcutt, Co-Founder and CEO, OnLadder
  • Marita Cavalcanti, Chief Financial Officer, Proportunity
  • Gilad G. Amir, Digital Operating Partner, Pollen Street Capital
  • Ali Paterson, Editor in Chief, FF News | Fintech Finance (Moderator)

Industry practitioners will explore introducing embedded and IaaS offerings in your digital ecosystem, how to use real-time data analytics to boost CX and improve customer retention and will review what are the most profitable products shaping the embedded insurance market. Panellists will also assess the Insurance-as-a-Service model and how to deliver innovative and personalized products through SaaS.

  • Toby Kernon, Founder and Chief Executive Officer, Wagonex
  • Svetlana Novikova, Finance, Data and Pricing Director, Cuvva
  • Ken Cregan, Head of Innovation, Unum
  • Dylan Bourguignon, Chief Executive Officer, SO-SURE
  • Sabine VanderLinden, Co-founder, CEO and Managing Partner, Alchemy Crew (Moderator)

In this panel discussion, industry leaders will be learning from API-based brokerages on how integrating investing into your vertical offering through embedded investment. Panellists will also be exploring what are the most profitable products in embedded wealth management and building APIs to achieve seamless account opening, funding, trading and portfolio management.

  • Charlotte Kanagasabapathy, Director – Innovation, Barclays
  • Mark Hipperson, Founder and CEO, Ziglu
  • Karan Shanmugarajah, Chief Executive Officer, WealthKernel
  • Richard Maton, Managing Director, Aperio Strategy (Moderator)

As we welcome new challengers and disruptors in financial services, what are financial institutions doing to preserve market share and acquire new customers? Is there room for a new business model that helps all players in the ecosystem win? Look forward to an exciting discussion on what the future holds for embedded finance and how partnerships drive new value for financial services.

  • Josh Vazquez, Chief Technology Officer, Clubview
  • Janine Hirt, Chief Executive Officer, Innovate Finance
  • Guy Kashtan, Chief Executive Officer, Rewire.to
  • Dr. Kumar Bhaskaran, Innovation & Technology Scout, Office of CTO, IBM Cloud
  • Ash Bhatia, Chief Executive Officer, Shipyard Innovation (Moderator)

Customers are no longer limited to banks to access banking services. Through embedded banking, any brand can add financial services seamlessly into their ecosystem. Talenthouse, a collection of platforms for the creative community, and Vodeno, a cloud-native Banking-as-a-service provider take the stage to talk about how embedded banking will unlock opportunities in the creative community.

  • Tom Bentley, Chief Commercial Officer, Vodeno
  • Clare McKeeve, Group Chief Executive Officer, Talenthouse
  • Lisa Moyle, Director of Strategy, VC Innovations (Moderator)

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