Fintech Talents Festival 2022 Agenda

Navigate your way through the agenda to view 6 stages of content across 2-days.

Meet our early confirmed Rockstar Speakers on the link below!

Day 1

Fintech Talents Festival – Global Transformation Stage

Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

Cloud computing is increasingly enabling businesses to scale effectively, reduce costs and produce new business models. We will examine how advances in cloud computing have enabled, monetised and accelerated payments:
  • How cloud computing can help identify and drive ways to monetise your business
  • Advantages of cloud over traditional IT models
  • Increasing operational resilience and meeting regulatory demand
  • Multi-cloud strategy – what this means and how it can be implemented


Moderator: Ronan Carter, Client Partner, Google

Time for a quick break! Grab a tea or coffee!

Innovation often looks to the next generation, and much of Gen Z is now mature enough to start driving behaviours and usage of technology – with the rest of society following. Is this an entertainment space for youngsters or will this be an important channel for the delivery of financial services that can’t be missed? Who is ahead of the game and can established providers create a forward-looking strategy to capture the opportunity? Here, we’ll look at: 


  • The convergence of the metaverse, crypto, and 5G 
  • Early-stage opportunities to reach an untapped market 
  • Building a bridge from banking to gaming 
  • Extracting value from virtual worlds to the real world 


Elliot Goykhman, Founder and Chief Executive Officer,  ZELF

Conor McCarthy, Head of Proposition Design and Innovation, Bank of Ireland

Achieving total CX. IoT, AI, Embedded Payments – the global connected customer wants simplicity, security and ease. Bringing together key innovative technologies is the key to winning the loyalty of consumers and businesses. Big data and AI provide hyper-personalised services, allowing businesses to shift to a customer-centric mode and: 


  • Evolve customer journeys 
  • Establish robotic processes, automation and chatbots 
  • Build customer experience with payments/mobile payments 

Moderator: Olivia Minnock, Editor, FinTech Alliance 

David Palmer, Vodafone Business Blockchain Lead, Vodafone  

Derek Smith, Head of Technology – EMEA (Wealth Management Platform), Morningstar 

Diana Carrasco, Managing Director, Merchant Services, Lloyds Banking Group 

Terrie Smith, Co-Founder and Chief Executive Officer, DIGISEQ

Petr Baron, Chief Executive Officer, TBI Bank

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

With the Bank of England now forecasting recession in Q4, how can the banking and finance sector deal with crisis fatigue? How can banks make good use of a crisis, manage risks and find the benefits?  


  • The Great Resignation – banking the future  
  • SME lending – run off of the BBL/CBIL government support 
  • How to continue to grow in a challenging macroeconomic environment 
  • FinTech partnerships and consolidation (M&A) 


Moderator: Brendan Gilmore, Managing Director, BPG Strategy 

Julie Ashmore, Chief Executive Officer, Rapid Cash, NatWest

Nick Bennett, Chief Technology and Operations Officer, Castle Trust

Jamie Broadbent, Head of Digital, Innovation and Design, RBS International

Jason Maude, Chief Technology Advocate, Starling Bank

Banks, FinTechs, platforms and non-financial brands are all competing for customer data. More customers = more data, resulting in insights to offer a better product that attracts even more customers. But who can capture and leverage data to deliver the best products and services to end-users? 


  • Extracting value from your data with real-time analytics for scalability  
  • Keeping a close eye on RegTech, cybersecurity and customer privacy 
  • Increasing customer satisfaction 

Jonathan Lister Parsons, Co-Founder and Chief Technology Officer, PensionBee


Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

De-Fi – the natural outcome of the invention of NFTs, crypto and the blockchain – has seen a massive surge of interest, but to many confusing and complicated. Regulators across the globe are keen to regulate new digital currencies, financial products and exchanges. What will it take for De-Fi to enter the mainstream?   


  • Configuring secure infrastructure, operations and future services  
  • Focus on usability  
  • Regulating crypto and managing risk 

The new buzzword. Web 3 is heard everywhere, no matter what resource you go to, what forum you open, and any social media platforms. Web 3.0 is followed by blockchain, cryptocurrencies, non-fungible tokens (NFT), and many more terms that make your head spin if you are not in the loop. What are the prospects, issues and challenges? 


  • Using blockchains, crypto and NFTs to give power back to the user 
  • Centralised infrastructure 
  • Decentralisation and token-based economics 


Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

Taking place in the Porter Tun

Future Identity Festival


Find out what to expect from the next two days.

Laura Camplisson, Future Identity Portfolio Lead, VC Innovations

As momentum behind ID wallets continues to grow, is digital identity about to hit the mainstream? Wallets could allow users to securely store smart, reusable credentials, for convenient access to services. Which initiatives are underway to drive interoperability at a national and international level? What considerations must be made to ensure wallets work for relying parties, while protecting personal data? Will accessibility drive widespread adoption?

  • Felipe Martinez, CIO, Revolut EU

Science fiction author William Gibson famously said that the future is already here, it’s just not very evenly distributed. If digital identity systems are to work for everyone, there are a wide range of usability and accessibility needs that must be accounted for. What practical steps can organisations take to address exclusion at each stage of product development? How do we mitigate bias, both conscious and unconscious, from identity solutions?

  • Russ Cohn, General Manager, International, OCR Labs

Time for a quick break! Grab a tea or coffee!

As the saying goes, ‘start as you mean to go on.’ Verifying the identity of new customers has become a critical step in any business’s financial crime strategy. Once a fraudster has created an account with a synthetic identity, the door to re-authentication is left wide open. How can businesses leverage new technologies to strengthen the onboarding process against evolving threats, thwarting bots and fraudsters before damage is done?

  • Isidoro Martínez Soñora, CEO and Founder, Tecalis
  • Mark Haine, eKYC & IDA Working Group Co-chair, OpenID Foundation (Moderator)

Technology alone will not solve digital identity. Building a reliable ecosystem means establishing the right standards, to foster trust, compatibility, and interoperability. How are government and industry collaborating to develop identity frameworks? What impact do existing data privacy, AML and KYC regulations have? How will regulation evolve to promote innovation and determine a path forward for digital ID?

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Introduction to the sessions coming up this afternoon.

Laura Camplisson, Future Identity Portfolio Lead, VC Innovations

The percentage of transactions carried out online has skyrocketed in recent years. The e-commerce sector has become a top target for fraudsters to commit account takeover, card fraud and phising attacks. How are online retailers evolving their approach to identity and age verification? How can automation and new authentication measures be leveraged to combat fraud, meet regulations and create seamless omnichannel experiences?

Businesses are increasingly implementing biometric technologies for customer verification and authentication. Prompted partly by the requirement of SCA under PSD2, biometrics offer improved customer convenience without compromising on security. But what protections are needed against biometric fraud? What efforts must be made to ensure biometric solutions are inclusive and ethical? And what are the challenges surrounding implementation and device compatibility?

An estimated one billion+ people worldwide use online gambling sites and apps. This rapid growth has become a lucrative target for fraudsters and organised criminals. How are online casinos and betting sites fighting account takeover, synthetic identity fraud, money laundering and scams? Does the growing popularity of cryptocurrency gambling present new threats? How can digital identity be leveraged to protect vulnerable players and prevent underage gambling?

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

The number of data points created about every one of us, every day, is mindblowing. There is an urgent need to ensure personally identifiable and sensitive information is only collected and shared with meaningful consent. How can we reconcile digital identity with privacy to build user trust? When designing and implementing identity solutions how can businesses be sure to consider the long-term privacy implications? Can we build digital identity which allows users greater control over their data?

As the metaverse and web 3.0 pick-up pace, a new vision of the internet is emerging which could soon see us consuming data and experiencing online spaces very differently. How will users trust the identities of virtual personas they interact with? How will NFTs and digital assets be protected against fraud? Does creating an environment where users can interact safely, securely and privately, mean building the future internet on digital identity?

Laura Camplisson, Future Identity Portfolio Lead, VC Innovations

Taking place in the Porter Tun

FTT Open Finance

Open finance is what open banking wants to be when it grows up. It explicitly collects the
entirety of a person’s financial data, accessed securely and with their permission and is also a
decidedly customer-centric worldview. But what does this mean in practice?
• How can open finance help marginalised communities?
• Financial inclusion: fairer finances for all?
• Overcoming the remaining vagueness to advance towards Open Data

Moderator – Helen Child OBE, Founder, Open Finance Excellence

Charlotte Crosswell OBE, Chair and Trustee Open, Banking Implementation Entity (OBIE) 

Hetal Popat, Director, Open Banking, HSBC

Chirag Shah, Founder and Chief Executive Officer, Nucleus Commercial Finance

Wasim Mushtaq Transformation Lead, Financial Markets, Standard Chartered

Understanding open finance as a strategic direction will be critical for financial institutions who
want to stay relevant. But is open finance the only realistic strategy given the way financial
services has changed? We’ll look at how open finance will be an essential strategic decision:
• Regulatory compliance as an opportunity
• Traditional financial institutions versus fintech and challenger banks
• Educating customers and open finance ecosystem of the future

Like the cheque before it, direct debits are being replaced by FinTech alternatives. Variable
reoccurring payments (VRPs) will further fuel the take-up of open banking services in the
second half of this year, when Competition and Markets Authority (CMA) rules come into
force, mandating banks to offer VRP-enabling application programming interfaces (APIs)

  • What are the benefits to consumers and businesses of VPR? How are they  
  • an improvement to direct debits and card on file payments? 
  • How will this new way to pay spur further innovation? 
  • Are banks ready to meet the regulatory deadline? 


Colin Hollingsbee , Chief Information Officer, The Credit Thing  

Mark Hannay, Chief Operating Officer, Scroll Finance

Mike Mann, Finance Director, Williams 

Andrew Norman, Lead Engineer of UK and Europe Product, Wise

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Leading the payments revolution, is the steady rise of open payments. This panel will examine
the impact of open payments on everyday transactions — helping demonstrate its potential
to fundamentally change how we purchase goods and services.
• Benefits of open banking ‘account to account’ payments for the end user
• Why wealth management is the perfect use case for open banking payments
• What could the future look like for wealth management and open banking?

Chris Higham, Head of Payments and Cards, Secure Trust Bank

George Rodgers, Senior Product Manager, Hargreaves Lansdown

Clients, industry participants and governments see the significant benefits of being able to
share ‘everyday’ information to improve transparency and enhance client outcomes and
experiences. This realisation differentiates open finance when compared to other industry
evolutions and drives its potential. This development is significantly interconnected with other
key themes that will likely continue to shape the success of wealth managers globally. But
what are the benefits?
• Hyper personalisation
• Intergenerational wealth transfer
• Reducing the barriers of entry for new non-traditional players

Rish Sareen, Head of Operations, Plum Fintech

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Businesses need to consider whether they can build the technological capability in-house or
look at the option to buy from external suppliers. Taking all of this into account, there are
some key things to consider when looking at open banking for your business:
• Complexity of open system building
• Regulation and the step change
• Consumer-driven
• The cost


Simon Tobelem, Co-Founder and Group Chief Executive Officer, ARIE Finance

Winston Pearson, UK Open Banking Product Manager, Goldman Sachs

By integrating geospatial data into financial practice, the industry can increase transparency for practitioners and data providers alike. It allows financial markets to measure and manage sustainability-related risks more accurately, as well as enhancing a vast range of other factors that affect risk and return in different asset classes. Here we’ll look at the benefits and ways you can use spatial finance: 


  • Satellite applications 
  • ML, AI and automation 
  • Privacy issues 
  • Taking raw data and filling the gaps 


Daniel Gibbs, Climate Consultant, Enterprise and Climate Propositions, NatWest 

Taking place in the Porter Tun

FTT Embedded Finance

Learn why embedded finance is such a hot topic. From brands to platforms to banks – the universe of providers and distributors is growing rapidly. Who is leading the pack and, crucially, is this truly a win-win-win across the ecosystem? 

Explore the drivers for non-financial enterprises to offer financial products and services to their end-users and communities. What is the impact on customer experience and inclusion? Are communities – whether their bond is underpinned by shared values or brand loyalty – better served by accessing financial services from those who know them best?  

Paul Staples, Global Head of Banking as a Service and Embedded Finance Proposition, HSBC 

Sarah Kocianski, Fintech Strategist, SJK Insights

How do non-financial brands build best-in-class financial services. What are the tools and technologies that enable them to offer products and services that meet the needs of their customers and are safe, secure, and fit for purpose. Important questions when hard earned brand equity and trust are at stake.  

Winston Pearson, UK Open Banking Lead, Goldman Sachs 

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Embedded finance is constantly innovating and at breakneck speed. Discover how businesses can define a richer, stickier user value proposition through embedded finance to stay relevant in the current competitive environment. Explore why integrating embedded finance into business models can create outstanding experiences for customers whilst adding new revenue opportunities. 

Clinton Foy, Head of Business Development and Embedded Partnerships, Clear Factor 

Vicky Wang, Senior Partnerships Manager Financial Services, Xero 

Lucas Dalglish, Chief Commercial Officer, Jaja Finance 

Chirag Shah, Founder & CEO, Nucleus Commercial Finance Ltd.

Panellists explore the future of Super Apps. Do consumers and businesses want standalone apps or one that provides it all? Super Apps are redefining the future of financial services through embedded finance.  Which ones will win the attention of customers in this ever-changing digital ecosystem? 

Helena Forest, Executive Director, EMEA Treasury Services, JP Morgan 

Dharmesh Mistry, CEO, Askhomey 

Sharon Miles, Chief Operating Officer, Chip 

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Regulators and industry practitioners will review the current regulatory landscape for embedded finance, and the f4uture direction of travel. Can consumer protection and supporting innovation work in tandem to achieve a sustainable future for embedded finance? Can embedded finance both expand access and offer effective oversight for a broad range of services – BNPL, payments, insurance, wealth management, etc. 

Briony Krikorian-Slade, Principal Payments, UK Finance 

Gerard Hurley, Chief Risk Officer, Chip 

Partnerships are paving the way for embedded finance. Understand how leveraging BaaS and the next gen of API driven platforms encourages delivering the right products, at the right time for end users. The collaboration of providers, distributors, and orchestrators makes possible the ability of businesses of all types to offer seamless financial products at speed. 

Conrad Ford, Chief Product and Strategy Officer, Allica Bank 

Cian Wright, Director of Partnerships, Juni 

Toby Kernon, CEO & Founder, Wagonex 

Miroslava Betinova, Head of Fintech, Griffin

Oliver Lane, Director, Behind Login (Moderator) 

BNPL was created to allow consumers shop on their own terms and to drive greater sales for sellers. It is one of the most successful examples of embedded lending. However, is this creating a potentially unhealthy relationship with debt for consumers? Should you need to have “the talk” about your BNPL products with your customers? Panellists will explore strategies to balance offering frictionless CX with ensuring adequate consumer protection and understanding of what complex financial products are. 

Taking place in the Porter Tun


Do we need DeFi or is this just another passing trend? This opening panel explores current trends, the key drivers for DeFi, and how organisations are building CeFi and DeFi products to serve the next generation of customers


Paul Ridley, CEO and Co-Founder, Old Street Digital

Rita Martins, Head of Fintech Partnerships, Global Functions, HSBC

Brendan Gilmore, Managing Director, BPG Strategy (moderator) 

Isaac Robertson-Jonas, Senior Product Manager, Finder

What should the DeFi tech stack look like and how will this impact business models? This panel explores the different building blocks for DeFi such as smart contracts, blockchain, tokens, wallets, and dApps, how technology has matured, and the key challenges that institutions are currently facing as they look to build DeFi products. 

Melvyn Jones, Founder and Managing Director, Decentralised (moderator)

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

The convergence of CeFi and DeFi offers valuable solutions to those looking to bridge the gap between TradFi and DeFi, as well as enabling organisations to benefit from the greatest features of each. This session will analyse recent experimentation with DeFi products  which can be used to improve CeFi and TradFi models, products, and processes. 

Gary Clarke, CIO and Co-Founder, Old Street Digital

 Caroline Hughes, Co-Founder and CEO, Lifetise

DeFi proposes a solution to financial inclusion and wellbeing problems, particularly for communities in emerging markets. This panel explores the opportunity to utilise DeFi infrastructure to better serve unbanked communities and ensure greater access to financial services.  

Bullish Dumpling, Decentralized Governance Representative, Cardano Foundation

This session will explore the progress of CBDCs and how money is changing, lessons learned from CBDC experimentation and design, the key risks involved, and if CBDCs would enhance rather than weaken the stability of banking.

Marion Laboure, Director – Macro Strategist, Thematic Research, Deutsche Bank

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Eddie Robb, Commercial Director, Zumo Enterprise 

Identity plays an essential role in day-to-day life but has been susceptible to criminal activity. This panel will explore how SSI and its foundations on blockchain technology, could enable greater trust, privacy and control for users, whilst considering the key design and technical attributes of decentralised identity.

Bullish Dumpling, Decentralized Governance Representative, Cardano Foundation (moderator) 

Taking place in the Porter Tun

FTT Building Societies

CEOs from across the mutual banking landscape discuss the methods mutuals are employing for a clearer, adaptive, and successful future. 

MODERATOR: Brendan Gilmore, Managing Director, BPG Strategy

Can the UK market its mutuals in a similar fashion to the US? 

Often considered a blight on the modern financial institution, are legacy systems in need of erasure or a reboot? Our rockstar speaker gives us the rundown on how their team have approached their own tech stack and how that supports their broader digitisation objectives. 

Time for a quick break! Grab a tea or coffee!.

Discussing the need for further development of financial education initiatives and targeted aid to better support members 

Our panel looks at the ways community banks can lead in aiding the vulnerable, cushion the blow of the cost-of-living crisis and push for innovation where it’s needed most. 

A detailed overview of the resilient processes mutual institutions need to adopt cross-branch and cross-division, if they are to provide security for members and retain their trust. 

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Honing in on the tactics and trajectories credit unions are utilising in anticipation of future developments. 

With the cost-of-living crisis rearing its head for winter, the mutual sector is putting more time than ever into providing sustainable solutions, partnering with eco-centric fintechs and building greener platforms for members, prospective and loyal. Our panellists look into the potential conversion opportunities this brings, as well as the issues surrounding company greenwashing. 

Looking at how building societies and credit unions can utilise the PDTF to better augment and streamline their mortgage processes. 

Attracting new members to your organisation is a lot more hands-on than it perhaps used to be, with recent generations of consumers demanding a mindful, more sensitive approach to social issues and their overall ESG frameworks. Our panellists discuss the ways in which the mutual sector, famed for its customer-service and communal ethos, can build sustainable,  inclusive initiatives and encourage members, old and new, to get involved in the quest for a broader community goals. 

Facing down concerns around cyber security with a forward-thinking discussion of the fundamental attitudes and processes of a well-oiled mutual infrastructure 

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Despite the abundance of brilliant FinTech providers and solutions, the mutual sector needs to reassess their stacks to ensure a future proofed and up-to-the-job tech infrastructure 

Our rockstar panel closes the first day with an engaging debate about the ever-evolving mutual product expansion trend. How can the sector broaden its arsenal whilst protecting their roles as a trusted provider for members? 

Taking place in the Porter Tun

Day 2

Fintech Talents Festival – Building a Better Industry Stage

Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

In an environment of rising inflation and a number of economic headwinds, are ambitious net zero targets being side-lined? Have consumers be overtaken by crisis fatigues and looking the other way when it comes to sustainability? Businesses need the tools and technologies to create impact and to be able to measure outcomes to ensure that ‘greenwashing’ becomes true change, with a focus on: 


  • Monitoring ESG transitions: artificial intelligence (AI) 
  • Generating environmental indicators with data science 
  • Sustainable computation with green software 
  • How regulation can help accelerate the journey to net zero

Kwasi Affum, Vice President of Impact Assessment, Sustainable Finance and ESG, Barclays

When two finance mega-trends collide…FinTech and socially responsible investing. As a crucial nexus for change, what are financial providers doing to deliver lasting change? Join to hear some of the ways that finance is working towards the common good, including: 


  • Helping migrants to build credit 
  • Revolutionising finance and foreign aid with mobile banking 
  • Driving purpose and profit through financial inclusion 


Paul Trotter, Deputy Chief Technology Officer, Atom Bank 

Nina Mohanty, Co-Founder and Chief Executive Officer, Bloom Money

Wasim Mushtaq Transformation Lead, Financial Markets, Standard Chartered

Robin Scher, Head of Fintech Investments, Lloyds Banking Group

Time for a quick break! Grab a tea or coffee!

The pressure to ensure compliance at speed and at a reasonable cost has never been greater. To remain competitive and compliant is a continuous challenge. Is this the moment where RegTech can deliver on its promise? How can financial institutions leverage data that delivers better and demonstrable outcomes? 


  • Big Data decision-making technologies 
  • FinTech regulation and compliance  
  • Data protection by design, and default 


Moderator: Faith Reynolds, Adviser, Amplified Global 

Leanne Bridges, Chief Product Owner and Leader of Intelligent Control, Nationwide Building Society 

Super apps integrate financial services into their platforms to provide seamless experiences for their customers. For banks, this means that an increasing number of users may bypass banking apps and simply use the more integrated super app. We ask: 


  • What is driving rebundling? 
  • How will the market evolve and how will banks and FinTechs benefit? 
  • What could a successful European super app look like? 


Moderator – Richard Davies, Chief Executive Officer, Allica Bank and NED WorldRemit

Jeremy Balkin, Global Head of Innovation and Corporate Development, Payments, J.P. Morgan

Stewart McLean, Co-Founder and Director,

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

Gig workers are generally online platform workers, temporary workers and contract-firm workers. The gig economy offers FinTech the unrealised opportunity of a constantly rising  


number of financially reliable, potential customers who are underserved by traditional banks. 


  • How can banks better serve gig workers? 
  • Provide swift and immediate resolutions to meet their needs  
  • Conversational AI and chatbots to keep talent pipelines flowing 
  • Is the gig economy the new frontier in customer experience? 


The labour market is incredibly tight, and businesses are struggling to find enough staff with the right skills. This, coupled with an era of exponential change, how do leaders manage? This session will share insights into the future of talent, best practices and how to Inspire your team to bring their A-game every day: 


  • The missing middle: your recruitment and retention game plan  
  • Remote and hybrid working – how to build culture remotely and support staff 
  • Why diversity in tech matters and methods for infusing D&I into your workforce 


Moderator: Rashee Pandey, Head of Membership and Growth, Innovate Finance

Jack Cutts, Chief Information Officer, BNP Paribas Personal Finance UK 

Matt Bonetti, Head of Digital Colleague Experience (DCX), Hargreaves Lansdown 

Kate Bohn, Global Head of Private Markets Technology, Macquarie Assets Management Macquarie Group  

Chris Lewendon, Vice President, People, Plum Fintech 

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

We are living in a world of unicorns – they are here, there and everywhere. In less than 18 months, the industry has seen unicorns quadruple in number. Are these fast growth FinTechs, a good or a bad thing for the industry? And who are the companies to watch? 


  • Unicorns, Decacorns, and Hectocorns – wait, what? 
  • IPO predictions for 2023 
  • Lessons from the $1B+ Club 


Moderator: John Stewart, Global Head of Scouting and Research, NatWest Group 

Charlotte Halkett, Chief Underwriting Officer, ManyPets

With a projected value of $4.9tn by 2025 and fast-growing communities around the world with equally fast-growing financial needs, Islamic finance is poised for rapid growth. Tech driven Sharia compliant finance services can support economic growth and drive greater financial inclusion. Is awareness of the opportunity sufficient? What are some of the barriers to the growth of much needed financial products? 


  • Addressing the knowledge gap and raising market awareness 
  • Improving financial inclusion 
  • Boosting the potential reach and impact 

Abdullo Kurbanov, Co-Founder and Chief Executive Officer, Alif Bank

Elizabeth Lumley, Deputy Editor, The Banker, Financial Times

Taking place in the Porter Tun

Future Identity Festival

Laura Camplisson, Future Identity Portfolio Lead, VC Innovations

Interoperability is key to developing a functioning and sustainable identity ecosystem for a digital world. How are public and private sector organisations collaborating to develop standards and trust frameworks? How can we build bridges across systems and sectors, to break down data siloes and empower individuals with greater control over their identities? Will we see financial institutions take a leading role in delivering digital identity beyond the financial sector?

As mobile quickly becomes a primary channel for payments and financial services businesses, securely authenticating mobile customers is a priority. OTPs and knowledge-based methods of 2FA create user friction and remain vulnerable to attacks, but can the features built into mobile devices be leveraged for faster and stronger authentication? Can mobile network intelligence help to identify fraud in real-time?

Time for a quick break! Grab a tea or coffee!

Identity was once seen as purely a security and compliance driven process. As businesses become increasingly customer-centric, the significance of identity as a customer experience differentiator has become clear. How can digital identity optimise speed and ease-of use, and enhance consumer trust in security and data privacy? Do identity processes have a role to play in fostering personalisation and brand-loyalty?

Across the healthcare sector, siloed records, outdated manual processes and rising fraud, can leave practicians and patients feeling out of control of their identity data. The pandemic has further highlighted the need for digital ID, to enable services to be accessed remotely. How can new technologies be leveraged to solve these challenges? Does self-sovereign identity, offer the potential to improve user privacy and control?

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Find out what to expect from the rest of the afternoon.

  • Laura Camplisson, Future Identity Portfolio Lead, VC Innovations

Social media has revolutionized how we interact with companies and individuals online. Providing a platform for e-commerce, entertainment, and instant connection, social media sites are now used by more than 4 billion people worldwide. As the dangers of fraud, identity theft, trolling and grooming intensify, should more be done to verify the real identities of online users? How do we govern data privacy, security, and liability in a limitless online world?

Fraudsters, scammers and organised criminals are constantly refining the tactics used to bypass identity security systems. An awareness of the latest threats is vital for businesses to protect themselves and their customers. How can new technologies strengthen defences and enable earlier identification of attacks? Beyond technology, what more can be done to prevent customer from falling victim to scams?

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

For every human connected to the internet today, there are 4 connected devices. By 2025 this figure will have increased to 10. The adoption of 5G and growth of the Internet-of-things are transforming how humans, devices and systems interact. How will businesses evolve their IAM systems to underpin the exponential growth of connected ‘things’? How can we trust that devices and objects are what they claim to be, while protecting systems from attacks?




Blockchain has the potential to revolutionise the anatomy of the global economy and address many of the challenges we face today with identity management. With several concepts and ideas already being piloted, what are the most promising real-world use cases for identity on the blockhain? Could distributed ledger technology offer solutions to challenges around privacy, identity theft and siloed data? Which technical and legal considerations are limiting progress?

Taking place in the Porter Tun

FTT Open Finance


Moderator – Anna Roughley, Head of Insight, Lending Standards Board (LSB)

The UK’s Open Banking ecosystem is growing quickly: at a rate of roughly one million new
users every six months, according to the Open Banking Implementation Entity (OBIE). One of
the biggest problems afflicting the industry, is the backlog of mortgage applications swelled by
the extension to the Help to Buy scheme, and by the Stamp Duty holiday, making this sector a
huge growth potential:
• Fast, accurate data transfer and analysis to inform lender decisions
• Improving awareness and understanding of open banking
• Meeting the changing needs of the market


Brendan Le Grange, Host, How to Lend Money to Strangers

Time for a quick break! Grab a tea or coffee!

Certified B Corps are a new kind of business, balancing profit with people and the planet. UK
B Corps reported average revenue growth of 14% year-on-year since its launch in 2015. For
companies who want to attract great talent, commit to ethical business practices, and join a
wider movement to build a better world through business, B Corp certification is well worth
the effort that comes with it.
• Positive brand equity growth
• Greater recruitment and investor appeal
• Achieving a competitive advantage

Daniel Gibbs, Climate Consultant, Enterprise and Climate Propositions, NatWest 

Robert Pasco, Co-Founder and Chief Executive Officer, Plend

Outside of the advised market, institutions and investors have struggled to find a cost-effective
way to provide advice and guidance to engage and provide individual support to investors on
how and when to invest, tailored to evolving needs throughout their lives. Open finance opens
up a window of opportunity to widen research on goals-based investing, financial health
checks, and risk-based recommendations which go past generic groupings or risk levels to:
• Power financial engagement
• Help to democratise wealth engagement
• Streamline and digitise processes

Derek Smith, Head of Technology – EMEA (Wealth Management Platform), Morningstar
Dylan Navra, Head of Product – International (Wealth Management Platform), Morningstar

Are subscriptions the key to better banking and financial services? Subscriptions drew little
attention, until 2019. Slowly but surely, subscription models have begun cropping up in
financial services from Charles Schwab to the Bank of America. But are they right for every
• What is the key to loyalty?
• What is the target demographic?
• What are the pros and cons?
• What’s in it for banks?

Samit Sundaresan, Chief Executive Officer, Billycard

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Open finance provides access to a consumer’s entire financial footprint. This data sharing,
through APIs, is then leveraged to craft new products and solutions tailored to meet the users’
specific preferences and needs. Open Finance caters to the evolving needs of customers —
immediacy and personalisation. Capturing the full potential value of open data for finance
• Data standardisation
• Breadth of data sharing
• Smart data for real-time data analytics

Moderator – David Beardmore, Ecosystem Development Director, Open Banking Implementation Entity (OBIE) 

Stephen Paynter, Finance Director, E-Crunch and Group Companies

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Whether you refer to it as financial literacy, wellness, confidence or resilience – it’s about
having a good relationship with money. Feeling secure and in control of finances, both now
and in the future. Customers knowing that they can pay the bills today, can deal with the
unexpected, and are on track for a healthy financial future. People who experience financial
wellbeing are less stressed about money.
• Why should companies care about financial wellness?
• How do you measure it?
• Is it the new must-have employee benefit?

Open finance is a unique business opportunity, but it takes work to take advantage of it.
Businesses need to get on the fast track to a future powered by constant innovation. Although
there are benefits, there are also many challenges as institutions start to utilise open finance.
When launching new products in areas that may be more ambiguous, the commercial
elements can become more challenging. This is because it is often more difficult to validate a
product in a new area when you’re trying to launch an innovative solution.
• A new age of hyper-personalised services
• Track live data sources and reconc

Taking place in the Porter Tun

FTT Embedded Finance

Gain an understanding of the payments process from an end-user point of view. Our rockstar speakers will discuss why the payments experience needs to be seamless but tailored. Can payments inspire genuine brand affection? Learn how a beautifully constructed payments experience can address CX pain points and high abandonment rates, taking a closer look to invisible payments. 

Sonal Lakhani, Global Head of Programmes and Strategic Initiatives, Innovation Team, Barclays 

Alexandra Rico-Lloyd, Founder, Bike Club 

Tristan Attenborough, Global Head Energy, Power, Renewables, Metals & Mining, JP Morgan Payments 

João Soares, Head of Retail 4.0 Transformation, Galp Energy 

Cristina Vasile, SVP, EMEA Head of Commercialization – Spring, Citi 

Rockstar speakers will discover how embedded finance is powering companies to use card programs and digital wallets to 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. Panellists will also explore how web 3.0, NFTs and the metaverse are re-defining the future of online retail and payments opportunities in the space. 

Rema Rao, Strategy & Planning Lead, Payments EMEA, Uber

Businesses offering cryptocurrencies as a mean of payment are gaining ground and demand to pay in crypto is growing, and so are the technologies enabling embedding crypto currencies in payments to be offered at point-of-sale. Both using cryptocurrencies to make everyday purchases as well as credit and debit cards backed by cryptocurrencies are on the verge of going mainstream. In this panel discussion we will be exploring the risks and opportunities on adopting this means of payments. 

Anthony Lees, Chief Product Officer, Wirex 

Tarun Sachdeva, Chief Strategy Officer, Ziglu 

Duncan McEwen, Manager Payments, UK Finance (Moderator) 

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Learn how can retailers (and other non-financial companies) can introduce embedded and IaaS offerings in their digital ecosystems. Hear how creating relevant, just in time products for customers can generate new revenue streams. Discover the power of real time data and data-driven solutions to take customer experience to the next level.   

Garrett Olson, Head of Insurance & Risk Management, Wolt 

John Pyall, Head of Product and Underwriting, Great Lakes, Munich Re 

Tasneem Harnekar, Chief Proposition Officer, Blueinsurance 

Gonzalo Rodriguez, Head of Group B2B2C Partnerships, Generali 

Rockstar speakers will dig deep into how embedding wealth and investment tools can impact businesses and customers. Access to wealth management products is, at best, uneven. Is this an opportunity to improve customer outcomes across the life cycle, delivering benefits to individuals, businesses, and the broader economy.  

Paul Waters, Head of Digital Wealth, Hymans Robertson 

Jenna Armitage, Chief Marketing Officer, Tulipshare 

Louise Ferslev, Founder and CEO, Mymonii 

Mark Hipperson, CEO, Ziglu 

James Devlin, VP, Fintech Investor, Fidelity International Strategic Ventures 

Tamara Kostova, CEO, Velexa (moderator)  

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Industry leaders will discuss the big questions in social media monetization. Can an understanding of the financial needs of creators hold the key to unlocking the dynamism of the creator economy? Starting with payments innovation, or at least overcoming the struggle of getting paid, what does the future hold?  Understand how tapping into close knit communities drives opportunities to meet both unmet needs and new opportunities. 

Lotanna Ezeike, Founder and CEO, XPO 

Aaron Brooks, Co-Founder and Board Member, Vamp 

Sahil Mishra, Strategy, Twitch 

Taking place in the Porter Tun


Explores the basic principals of blockchain, protocols, layer 1 and layer 2 chains, and how this technology is being implemented to create new products.  

Time for a quick break! Grab a tea or coffee!

Worth close to $39 billion in 2021, the metaverse market is predicted to grow to $47.5 billion this year. This panel explores how organisations are identifying, building, and engaging with their digital communities in the metaverse, as reality and virtual worlds continue to merge.

Tokenisation has opened exciting opportunities for digital creatives and business owners to unlock the value of real-world assets. This panel explores the token economics of NFTs in the digital economy and the potential to re-establish true ownership and authenticity  

This fireside chat explores the key opportunities, challenges, and regulatory updates on crypto currencies, as well as key use cases and the infrastructure to support digital asset adoption.

Tarun Sachdeva, Chief Strategy Officer, Ziglu

Simon Ware, Associate Director of Innovation, Aztec Group

Ijeoma Okoli, Director / Founding Member, Digital Economy Institute / Impact X Capital Partners LLP

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

What does the current regulatory landscape look like and where are we headed as sectors become more aware of the benefits of decentralised finance and eager to get involved in a range of new markets? Focuses on recent market events and the increasing need for regulation to give innovators greater clarity in building their DeFi projects. 

Ankush Jain, Chief Investment Officer & Co-Founder, Aaro Capital

In this session, we explore how decentralised exchanges work, both the key differences between, and convergence of centralised and decentralised exchanges, advantages and disadvantages, automated market making, and the impact on wider market structures. 

Jamie Allsop, CEO,

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

What are the benefits of crypto lending and how has it pushed forward the banking model in comparison to the way traditional banks have evolved? This panel explores use cases, the potential of improved accessibility to lending products, the key risks to look out for, as well as focusing on where the sector is headed.  

Explores future development of DeFi and where it can have the greatest impact in the years to come.  

Taking place in the Porter Tun

FTT Building Societies

Our panellists discuss the challenges of workplace reshuffles, cross-duty job roles and the great post-covid reset. With traditional branches coming into question and the popularity of hybrid working, how can the sector stay afloat? 

Providing financial education to members should be on the top of every credit union’s to-do-list. But how can they achieve this with such rapid changes in the FinTech landscape and the banking sector as a whole? 

Time for a quick break! Grab a tea or coffee!

Mortgages. The mutual bank’s bread and butter. Explore the inspirations behind the latest initiatives in lending and home-buying. 

Making sure members are looked after from the moment they’re onboarded is crucial to retaining trust and developing their financial portfolio in line with the business. With newer generations finding their needs met in neo banks and challenger institutions, how can this be maintained and built on? 

Lunch is served! Head to the catering area on the expo floor, explore the networking options, and don’t forget to visit the exhibitor booths.

Explore the different stages of actionable resilience. Learn how to engage teams to be poised for the unknown, red-team company weaknesses and build the framework for an assuredly leveraged security model 

Consumer tech attitudes have coalesced to lean more on the all-in-one model of Big Tech companies, integrating all products and services into one streamlined space. How is this affecting the mutual sector and its traditional values? Does this trend spell the end for physical branches or will there be a renaissance for a more staggered and tangible approach to banking? 

Time for a quick break! Grab a tea or coffee (…or a famous festival craft beer!) before the final sessions of the day.

Wrapping up this year’s event, our panellists ponder the state of their communities, the saturated FinTech market and the future of finance. 

Taking place in the Porter Tun


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