Welcome!

• Agenda for the day - Big Question Stage and Drill Down Sessions Schedule
  

Taking advantage of the payments rails to offer modern and tailored lending products to merchants and consumers. We are now bridging the gap between lending and payments   

• Ian Johnson, MD (Europe), Marqeta   

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.   

• Stuart Doignie, MD – Fintech Strategy and Commercialisation, Shawbrook Bank  
• Richard Carter, CEO Europe & Asia, Bibby Financial Services  
• Simon Cureton, CEO, Funding Options 
• Adam Tyler, Executive Chairman, FIBA (Moderator)   

The CEO of Starling Bank sits down to talk about the importance of supporting the SME sector and how her bank made a quick pivot in 2020 to offer over £1 billion worth of the government’s emergency loan schemes to support struggling firms during the pandemic. 

• Anne Boden, CEO, Starling Bank  

The 2020 global pandemic has thrown a wrench into how many of us work, live and build businesses. What role do lenders play in economic revival?  

• Conrad Ford, Chief Product & Strategy Officer, Allica Bank 
• Alexis Kopylov, CEO, DBT 
• Emily Hogg, Head of Lending & Investment Operations, Innovate UK 
• Matthew Nyong, Vice President – Fintech Warehousing, Silicon Valley Bank 
• Brendan Gilmore, MD, BPS Strategy (moderator) 

FinTech has waited 10 years to disrupt banking. However, many incumbent banks continue to cling to outdated credit models, are unprepared for true personalisation or are unable to bridge the payments and lending divide. Will Lending 3.0 bring the disruption FinTech promised a decade ago?  

• Alison Harwood, Head of London Branch, Varegold Bank  
• Daniel Drummer, CFO, auxmoney  
• Veronika Lovett, Co-founder and CCO, Esme Loans  
• Liz Lumley, Director, VC Innovations (Moderator)   

Owning your home is a traditional life goal and a desire for many. While ‘taking on a mortgage’ would rarely be considered as one of life’s great joys. The path to ‘owning your own home’ has been under constant evolution over the past few years. How had the humble ‘mortgage product’ be made more suitable for a 21st Century World? 

• Vicki Harris Chief Commercial Officer at Kensington Mortgages  
• Alex Beavis, Head of Mortgage Products, Skipton Building Society  
• Stephen Brown, Head of Intermediaries, Scottish Building Society

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? 

From money circles to micro loans – does the developing world show us the true future for lending?  

In a world of record low interest rates, the emergence of new and evolving asset classes to beat the market will always be attractive. Peer-to-peer lending, alternative lending and flavours of mortgages are asset classes in their own right – and the investors from institutions to person are paying attention.   

• Julian Cork, COO, Landbay Partners 

Drill Down Sessions (Live Interactive Roundtables)    

The SME Community    

We gather a group of small and medium sized business owners to discuss their pain points, what they need to grow and how they would design a financial service that meets their needs.    

Lending and financial health will always be at odds  

Loans, funding and credit offer much needed liquidity to businesses and personal accounts. These injections of capital also created debt, which can often mushroom to unhealthy levels. Is it possible to balance cheap access to credit and loans with financial prudence?   

• Philip Haglund, CEO, Gimit