THE NEW FACE OF BANKING

There’s no question that retail banking is undergoing a huge transformation. A large part of this is driven by Open

Banking and PSD2, while Google, Amazon, Facebook and Apple, along with other new players from outside of the industry, are already exploring the opportunities that this presents. Join this top-level community of bankers and innovators to find out how to step up and not only survive, but also thrive!

AMONG THE ‘HOT’ TOPICS, DISCUSSED AT THE CONGRESS:

How to tackle the aftermath of PSD2 Why the Plug & Play philosophy is key in an open banking era

The NEW paradigm of digital transformation The evolution of leadership and culture Getting ready for future disruptive scenarios: how BigTechs and platformification can lead to a fundamental shift in the industry

Yolande Piazza CEO Citi FinTech USA

Neff Hudson VP Emerging Channels USAA USA

Michael Freund Managing Director Credit Suisse Switzerland

Lotta Lovén Head of Digital Banking Group Executive Committee Swedbank Sweden

Valérie Eymard International Retail Banking Head of Innovation and Digital Transformation BNP Paribas France

Manroop Khela COO, Retail & Business Banking Santander UK

45TH EFMA CONGRESS IS PART OF THE ‘BEST EFMA WEEK’ IN ROME:

DISRUPT

www.efma.com/innovation17

INNOVATION SUMMIT 23-24 OCTOBER

TRANSFORM

www.efma.com/congress17

45TH CONGRESS 26-27 OCTOBER

AWARD

www.efma.com/innovationawards17

BANKING AWARDS CEREMONY 25 OCTOBER

45TH EFMA CONGRESS BANKING TRANSFORMATION

Rome 26–27 OCTOBER

#EfmaCg17

TESTIFICATION OF DISRUPTIONRichard Peers

Richard Peers leads Microsoft’s WW Industry team for Retail/Private and Wealth Banking. He has spent the last 20 years at Microsoft in sales, services and marketing leadership, with the last five years deeply engaged with clients, Fintech’s and partners in Financial Services... read more.

DISRUPTIVE AND PRACTICAL ADVICE ON DIGITAL TRANSFORMATIONEdoardo Demarchi

Edoardo Demarchi, Partner of Roland Berger focuses on digital innovation and transformation in retail banking, payments, and consumer finance. In the past few years, he has helped banks across Europe redraw the scope of their business models, develop new initiatives... read more.

SMARTER DIGITAL BANKINGBalazs Vinnai

Balázs is responsible for the retail digital channels business at Finastra (previously known as Misys). Balázs was formely the CEO of IND Group, specialised in the innovation and development of digital banking solutions that grew rapidly to a market leader in the EMEA region and was acquired by Misys in 2014... read more.

THE TRANSITION TO DIGITAL BANKINGPeter Redshaw

With over 30 years’ experience in IT and Banking, Peter is the Global Manager for Gartner’s Banking and Investment Services (BIS) Research team. His team’s two key initiatives focus on the hottest areas in BIS, helping banks to transform themselves and become digital platforms that can support many business models... read more.

EVOLUTION OF PLATFORM BUSINESS MODELS IN FINANCIAL SERVICESOliwia Berdak

Oliwia is a Senior Analyst serving eBusiness & Channel Strategy Professionals within the European consumer financial services sector. Her research focuses on the digital transformation of banking, insurance, and wealth management, mapping out digital strategies, adoption trends, and best practices. ... read more.

One-on-one expert meetings

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | EXPERT MEETINGS

26-27 OCTOBER

2017

On top of a rich programme, Efma is taking the occasion of its 45th Congress to aggregate the best field experts from key industry players, who can provide a personalized answer to your most burning questions! A brand NEW feature, which allows each attendee to book up to 2 meetings of 15 minutes each, on 26 or 27 October, according to their availabilities. Demands are high and places limited, so book yours now!

Have a look at the list of experts and their field of expertise:

Please note that the meetings are reserved for representatives from financial institutions.

Open Banking & PSD2: Seizing market opportunities

Fireside chat with BNP Paribas

Transformation trends

Welcome coffee and registration8.30

Leaping into the future of Open Banking through co-creation and fintegration Speeding up digital transformation by adopting openness as a core foundation for your business

and IT architecture Embracing a more open and innovative ecosystem to serve your customers, attract new ones,

and develop new revenue streams The Fountain of Digital Youth: Leveraging third parties to remain relevant to your customers for life

Yolande Piazza CEO Citi Fintech USA

9.00

9.50

Seizing the Open Banking opportunities & helping customers prosper Leveraging customer opportunities through Open Banking Santander UK’s approach to Innovation and Fin Tech Partnering Overcoming transition challenges to shift from a close to

open banking system environmentManroop Khela COO, Retail & Business Banking & Commercial Banking Division Santander UK

9.25

Yolande Piazza CEO Citi Fintech USA & Manroop Khela COO, Retail & Business Banking Santander UK

PANEL DISCUSSION: How to tackle the aftermath of PSD2

Open innovation in a global context

Valérie Eymard International Retail Banking Head of Innovation and Digital Transformation BNP Paribas France& Renaud Édouard-Baraud Head of Innovation BNPP International Retail Banking BNP Paribas France

STUDY PRESENTATION: Transformative banking: what does that really mean? Every bank now has a ‘digital strategy’ to transform and disrupt itself But is being innovative enough to actually differentiate you in the eyes of customers? What distinguishes a truly transformative bank from the also-rans and what does that mean for its partners

and its customers?Peter Redshaw Managing VP, Banking & Investment Services Research Gartner UK

10.10

11.10

Coffee break, networking and expert meetings 10.40

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

26 OCTOBER

2017

Chairman:John Berry UK Regional Manager Efma UK

12.30

Lotta Lovén Head of Digital Banking, Group Executive Committee Swedbank Sweden & Sophie Guibaud VP Europe Fidor Bank Germany

PANEL DISCUSSION: Profitable models

Lunch & Networking12.45

Removing barriers to digital transformation

STUDY PRESENTATION: Providing insights on new models & opportunities: PSD2 and Open Banking Efma/Microsoft survey and report How to monetize the opportunities Process and infrastructure needed to be a utility bank or a distribution bank in the new paradigm How banks handle data in a GDPR world What do banks concede and where do they grow in the new paradigm

Richard Peers Banking Industry Director EMEA Microsoft UK

14.15

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

26 OCTOBER

2017

Building a successful digital bank which is now taking Europe by storm Success factors to build a digital only business model Building an ecosystem that drives revenue PSD2 as a key driver to new business models adoption

Sophie Guibaud VP Europe Fidor Bank Germany

12.10

The rise of new business models and revenue streams

Innovation and cooperation for future bank customers Banks are not always the fastest or best ones to develop services and can benefit greatly from the fintech

companies’ innovative power. In return, banks have access to a wide customer base that the smaller companies often seek. New, smart services must be able to scale up and be able to be used daily by millions of customers. How can fintech and bank together create amazing collaborations? What is required to succeed?

Lotta Lovén Head of Digital Banking, Group Executive Committee Swedbank Sweden

11.50

Beyond the password: Improve the digital experience without sacrificing security (or profit) with behavioral biometrics Behavioral biometrics within the context of multifactor authentication and PSD2 Using BB to deliver seamless authentication to improve and secure the consumer’s digital experience Reduce friction to smooth and increase transaction flow and decrease abandonment Stanch losses and liability by strengthening privacy and reducing identity theft, bot attacks, and unauthorized

transactionsAssaf Pilo Vice President, Sales SecuredTouch Israel

14.05

Will your software help or hinder digital transformation? The Backbase Perspective Cases from the field Enabling better IT & Business collaboration

Matthijs Eijpe Regional Sales Director Backbase Netherlands

14.35

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

Coffee break and networking15.25

Governance & Organisation: taking banking to the next level

Rethinking development through co-creation with our customers Dividing management attention and resources across new models for innovation, growth and development -

Examples of how new types of innovation accelerate customer Matching customer expectations, new business opportunities and trends - Developing a 2nd generation mobile app

Line Munkholm Haukrogh First VP, Head of Digital & Payments Danske Bank Denmark

Digital Transformation in retail banking: the Isbank case Isbank’s response to phenomenal shifts as a result of digitalisation Hybrid distribution models in retail banking Innovation and Eco-system development approach of Isbank

Burak Sezercan Head of Retail Banking Marketing Division Isbank Turkey

15.10

15.30

Coffee break, networking and expert meetings 16.00

17.00

18.30

Line Munkholm Haukrogh First VP, Head of Digital & Payments Danske Bank Denmark & Sonia Wedrychowicz Managing Director, Head of DBS Consumer Bank Technology DBS Bank Singapore & Yolande Piazza CEO Citi Fintech USA & Asmae Hajjami Deputy General Manager Société Générale Morocco & Session moderated by Sophie Guibaud VP Europe Fidor Bank Germany

Closing the leadership gap by having more diversity in leadership and the work environment in the banking sector in the digital era

CLOSING REMARKS

Cocktail party by Finastra18.45

Coffee break and networking15.25 The synergy of web and bank data - how to improve profitability with machine learning credit scoringAssaf Binstock CEO & Co-Founder BeeEye IT Technologies LTD Israel

16.40

Outstanding women in finance

Fintech showtime

Coffee break and networking15.25 The digital vault as an innovative way to strengthen customer loyalty and engagementTobias Christen CEO DSwiss AG Switzerland

16.30

26 OCTOBER

2017

Coffee break and networking15.25 The service formerly known as banking - and the opportunity it creates for banksDaniel Kjellén CEO & Co-Founder Tink Sweden

16.50

End of day one19.45

Customer centricity & trust

Global retail transformation observatory

Registration and welcome coffee 8.00

Making your customer the centre of your total operating model Know your customer: What are they trying to accomplish? What makes them anxious? How do

they want to interact with you? Organize around the customer: Create a constructive engagement strategy that breaks down

product silos Have a higher purpose than profit: Motivate your employees and customers by creating shared

objectives. Earn customer forgiveness for mistakes by doing the “right thing,” even if it you make a mistake.Neff Hudson VP, Emerging Channels USAA USA

STUDY PRESENTATION: Becoming digital at scale, for good Where is the digital transformation of the leading banks standing Overcoming challenges when moving from “digital overlay” to “core digital” and beyond

Axel Reinaud Senior Partner & Managing Director BCG France

9.00

10.20

10.00

How we use customer centricity to create good design Companies that are design-centric are leading their fields We aspire to emulate the best attributes of these thought-leaders and combine their approaches to meet the needs of our customers.

Michael Freund Managing Director Credit Suisse Switzerland

9.20

Neff Hudson VP, Emerging Channels USAA USA & Aalishaan Zaidi Global Head Retail Digital Standard Chartered Bank UK & Michael Freund Managing Director Credit Suisse Switzerland

PANEL DISCUSSION: Customer centricity & trust

Coffee break, networking and expert meetings 10.50

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

27 OCTOBER

2017

Going digital with a human touch Delivering high tech services to clients is not enough. Infusing an obsession for client experience and making it part of the DNA. Changing the way we think, the way we produce and the way we interact.

Aalishaan Zaidi Global Head Retail Digital Standard Chartered Bank UK

9.40

Chairman:Spiros Margaris Venture Capitalist Margaris Advisory Switzerland

Challenge yourself: create the digital future of your bank The strongest banks are those who are able to successfully implement, monetise and grow their digital and

mobile footprint faster than the competition Where are you on your path to creating the digital future of your bank? Can you safely say your existing core and digital infrastructure will enable you to cope with future customer

needs and market trends to meet your bank’s KPIs?Balazs Vinnai Chief Digital Officer, Digital Practice Finastra International Limited UK

Next, a new digital journey The transformation brought about by Millennials Next in Bradesco Bank ecosystem A new market, a new opportunity Next ‘s solutions ecosystem

Jeferson Ricardo Garcia Honorato Executive Superintendent NEXT Bradesco Bank Banco Bradesco Brazil

12.20

13.10

Lunch and Members Wrap Up Lunch 13.35

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

27 OCTOBER

2017

Optimising distribution for a competitive advantage: the AIB story Transforming the distribution model: focus on efficiency and cost to protect margins Developing new channels for revenue: focus on revenue streams Harnessing digital and physical to win

David Rath Head of Strategy & Support Allied Irish Banks Ireland

12.45

Open banking and PSD2 in Europe, and the evolution of platform business models in financial servicesOliwia Berdak Senior Analyst Forrester Research UK

11.50

Learning from other industries and new paradigm of digital transformation

Realizing a digital transformation strategy through industry standard TMF Open APIs Digital Transformation & why it matters Growing your business in an ecosystem through partnerships APIs & IT enablers to business agility and reduced time to market TMF Open APIs, industry agnostic enablers to digital transformation BT Case Studies, examples of products & services brought to market quickly through Open APIs New products beyond traditional business base How traditional existing services can be transformed

Joann O’Brien VP, APIs & Ecosystems TM Forum USAGeorge Glass Chief Systems Architect BT Group Ireland

11.20

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PROGRAMME

27 OCTOBER

2017

Resetting the human capital model to emphasize agility and rapid learning Integrating different disciplines and functions to work in nimble, mission-focused teams Shifting culture to focus on rapid learning Aligning incentives to promote collaboration and risk-taking Reskilling your way of building leadership talent and acquiring critical skills

Steve Naude Head of Africa and Middle East Banking TransferWise UK

16.20

16.45CLOSING REMARKS

End of conference17.20

The evolution of leadership & culture: embracing agile

What good digital looks like: Emirates NBD case study Emirates NBD’s digitization journey: from fixing the basics to re-imagining banking for the future Planning for multi-channel transformation Key success factors to winning at the digital moment-of-truth

Shekhar Krishnamurthy Head - Retail Strategy, Retail Banking Emirates NBD United Arab Emirates

16.05

Coffee break, networking and expert meetings 15.35

Harnessing digital to transform the operating model to fend off margin erosion from efficient competitors Adopting a ‘Greenfield’ mind-set Engaging all functions and leaders to achieve outcomes Conviction-based leadership from the top

Vladimir Stasevich Online Products Head Sberbank Russia Federation

15.05

Decoupling Core Banking from Digital Banking - Unleashing Innovation

Roy Zakka Chief Executive Officer Ubanquity Systems Ireland

14.50

Open banking: how to deliver superior customer experience through API integration with Fintech solutions - a digibank case study by DBS How to implement a bank in 8 months and reach 1 million customers in less than 1 year of operation Designed for no branches, no contact centres and no operations Seamless integration with Fintech state-of-the-art modern technology Lessons learned after the first 12 months of operations

Sonia Wedrychowicz Managing Director, Head of DBS Consumer Bank Technology Singapore DBS Bank Singapore

Responding to disintermediation and disruption

14.35

ASSOCIATE MEMBERS

BUSINESS PARTNERS

MEDIA PARTNERS

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | PARTNERS

26–27 OCTOBER

2017

ATTENDEE’S INFORMATION

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PRACTICAL INFORMATION

O O O

DATESThe 45th Efma Congress will begin with a welcome coffee on Thursday 26 October 2017 at 8.15 and will end on Friday 27 October 2017 around 18.00.

LOCATIONSheraton Parco de Medici.Via Salvatore Rebecchini, 3900148 Roma, Italy

LANGUAGES All sessions will be held in English

ACCOMMODATIONA block of rooms has been provisionally reserved for the nights of 25 and 26 October

2017 at the Sheraton Parco de Medici Rome Hotel. The cost of a single room type superior is 145€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night), for a double room type superior the price is 165€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night).

REGISTRATION The registration fee covers participation in the 45th Efma Congress, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event.

We welcome late-bookers, but credit card information must be provided

CANCELLATION All cancellations must be received in writing. A 20% cancellation fee will be charged for all cancellations received on or before Monday 9 October 2017. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided. Substitutions are accepted at any time.

By bank transfer to Efma Sarl bank account IBAN: FR 76 1027 8060 4700 0208 2420 111BIC: CMCIFR2A Crédit Mutuel CCM PARIS 17 ETOILE, 30 Avenue Niel, F- 75017 Paris

By credit card: MasterCard Visa American Express

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Efma l 10 Boulevard Haussmann l 75009 Paris l France l Tel: + 33 1 47 42 52 72 l Fax: + 33 1 47 42 56 76 l www.efma.com APE: 8230Z l VAT ID: FR 38 313 062 788 l Efma sarl company with registered capital of EUR 15,000 l RC Paris 313 062 788In accordance with Article 27 of the law on the processing of personal data of 6.1.78, the information which you are requested to provide is necessary to enable us to process your registration and is intended for Efma’s services. You may access this information and request that it be rectified if necessary.

Please send this registration form by email at registration@efma.com or fax +33 1 47 42 56 76

PAYMENT

REGISTRATION FEE

€ 0 for 2017 Efma Premium Pass holders - www.efma.com/premiumpass € 1,600 for Efma members and associate members € 2,400 for representatives of non-member institutions

VAT not applicable. All registrations are strictly individual.

www.efma.com/congress17

45TH EFMA CONGRESS: BANKING TRANSFORMATION | REGISTRATION FORM

26–27 OCTOBER

2017

Do you plan to join this event with your team? Good news, discounts apply for group registrations! Contact registration@efma.com

Participants 3-9 10-14 15+

Discount 10% 30% 40%