• Laura Camplisson, Product & Content Manager, VC Innovations

As a financial institution, how do you know that a customer is who they say they are online and not a fraudster? In this keynote, iProov Founder and CEO Andrew Bud discusses digital identity in its current state, plus how it could evolve in the future. Key challenges and threats will be presented, followed by emerging trends including how onboarding and authentication are merging and the future impact of verifiable credentials. 

• Andrew Bud, Chief Executive Officer, iProov 

Which entities will act as the guardians of users digital identity – Will responsibility fall to national governments, or will Big Tech take a leading role? 

With heavily regulated data usage, established KYC functions, and higher than average consumer trust, are banks uniquely placed to close the identity gap? 

How can banks, governments and technology providers come together to create an Identity framework for the future? 

• Rod Boothby, Global Head of Identity, Banco Santander
• Karen Cullen, Head of International Financial Services, Risk & Compliance Unit, Department of Finance Ireland
• Bjorn Hjelm, Vice Chairman, Open ID Foundation and Distinguished Member of Technical Staff, Verizon
• Harsh Mohan, Global Principal, Platforms and Beyond Banking, ING Bank
• Nick Mothershaw, Chair and Chief Executive, Open Identity Exchange (moderator)

How can banks on-board/off-board customers both securely and seamlessly, while meeting evolving regulation. 

With a growing demand for remote identity proofing, which new solutions promise to replace physical checks? 

• Maria Khan, Digital Product Owner, Royal Bank of Scotland
• Pranav Khanna, VP and Head of Product, Identity Services, Capital One
• Gemma Steel, Director and General Counsel, Dozens
• James Baston Pitt, Regional Director, Onfido
• Gene DiMira, Co-Chair, Outreach Expert Committee, DIACC and Chief Identity Officer, The AML Shop (moderator)

An estimated 1 billion people lack official identity and millions more have forms of ID that cannot be reliably verified, resulting in economic exclusion. 

How can Digital ID play a key role in enabling inclusion and supported underbanked individuals globally? 

• Thea Anderson, Director, Responsible Technology, Omidyar Network
• Sharmista Appaya, Senior Financial Sector Expert, The World Bank
• Ritesh Jain, Advisor, G20, Global Partnership for Financial Inclusion
• Muhammad Sajjad, Executive Vice President, Head of Digital Transformation & Payments, United Bank
• Sian Williams, Director of Innovation and Policy, Toynbee Hall (moderator)

• Diane Joyce, Executive Member, Women in Identity
• Laura Camplisson, Product & Content Manager, VC Innovations (moderator) 

Identity systems are increasingly being attacked by fraudsters – many businesses have been tackling rising threat amid the international pandemic. 

Which innovations promise improved detection and prevention of financial crime, without compromising the customer journey? 

Can financial institutions make use of insights from beyond the sector such as data held by mobile networks?  

• Martin Ingram, Identity and Access Management Product Owner, Royal Bank of Scotland
• Sandra Peaston, Director of Research & Development, Cifas 
• Rutherford Wilson, VP, Emerging Technology, Trulioo
• Vesna McCreery, Director, Ansev Solutions (moderator)

Will the financial services sector embrace a decentralised model of identity, or government issued digital IDs? 

How can we ensure to build Digital Identity which enhances privacy, trust and consent, granting users control over how their personal credentials are shared? 

Are users ready and willing to take control of their personal identity data? 

• Dia Banerji, Country Ambassador, Scotland, Women in Identity
• Andrew Black, Senior Digital Product Owner, Data, Open Banking & Digital Identity, NatWest
• Gail Hodges, Founder, Future Identity Council
• David Pollington, Senior Director, Technology & Product, GSMA
• Colin Wallis, Executive Director, Kantara Initiative (moderator)

How Shawbrook Savings listened to our customers in 2020, adapting technology for better identity tracking and account security, by focusing on our customer demographic.  

• Antonia Bell, Technology Portfolio Owner, Shawbrook Bank, UK 

Which systems offer the strongest alternatives to password-based systems – balancing user experience with trust in the security of identity data? 

How can secure authentication be ensured across the digital economy, including in e-commerce, direct debits and other business transactions. 

What considerations need to me made regarding adoption, ensuring systems are inclusive and address the issues faced by a broad customer base. 

• Sam Everington, Director of Products, Starling Bank
• Melissa Heng, Senior Director, Identity Product Management, Capital One
• Andrew Shikiar, Executive Director, FIDO Alliance
• Jonathan Williams, Technical Payments Specialist, Payment Systems Regulator
• Andrew Churchill, Author, Digital Identification & Authentication Standard, British Standards Institute (moderator) 

Technology alone will not solve the issue of digital identity – the hurdles of governance, borders and business are yet to be overcome. 

Which global standards and principles will foster trust, compatibility and interoperability as we determine the path forward for ID applications? 

• Viky Manaila, Digital Identity & PKI Expert, Cloud Signature Consort
• Don Cardinal, Managing Director, Financial Data Exchange
• Manuela Sedvartaite, Innovation Manager, Banco Santander
• Brad Carr, Managing Director, Digital Finance, Institute of International Finance
• Robert Baugh, CEO and Founder, Keepabl
• Richard Maton, Advisor, International RegTech Association and Aperio Strategy (moderator) 

• Laura Camplisson, Product & Content Manager, VC Innovations