Be part of the transformation: defining a new future in lending

3 October 2018

Hilton Tower Bridge, Tooley Street, London

With digital innovations on the rise, changing consumer behaviours and expectations, and a competitive open banking landscape to face, it is now more important than ever for senior professionals to unite and strategize for an inspiring future ahead; the possibilities are endless! From open APIs and enhanced digital experiences to SME product innovation and mortgage transformation, MoneyLIVE: Lending 2018 will take you on a journey to uncover the challenges and opportunities facing lenders in an ever-evolving banking landscape.

 

Case study: Starling Bank

Take home actionable insights from Megan Caywood, Chief Platform Officer, Starling Bank and uncover the benefits of Open APIs, platforms and data sharing.

Two exciting stages

With the conference being bigger and better than ever before, benefit from the two stages this year and tailor your experience: choose between the SME Lending and Mortgages stage!

A leaders’ forum to remember

Don’t miss the chance to gain exclusive insights from lending pioneers during our opening session which includes RBS, Atom Bank, Funding Circle and Shawbrook Bank!

Why attend?

  • Kick start the day with a keynote address from Ian Roberts, Chief Credit Officer, Royal Bank of Scotland
  • Unrivalled networking opportunities with 4+ networking hours with over 150 attendees
  • Hear James Aron, Senior Director, Head of Core Lending, Capital One explore how to transform accurate credit profiling
  • Gain clarity on the unsteady economy from Trevor Williams, Former Chief Economist, Lloyds Banking Group
  • From transparency to digital advancements, uncover what customers really want from mortgages
  • Unlock the potential of new technologies including AI, IoT and data analysis
  • Learn how to succeed in a highly competitive open banking environment
  • Dig deep into SME lending transformation and product innovation

Speakers

Ian Roberts, Royal Bank of Scotland, MoneyLIVE Speaker

Ian Roberts

Chief Credit Officer, Royal Bank of Scotland

Maria Harris, Atom Bank, MoneyLIVE Speaker

Maria Harris

Director of Mortgages, Atom Bank

James Meekings, Funding Circle, MoneyLIVE Speaker

James Meekings

Co-founder and UK Managing Director, Funding Circle

Megan Caywood, Starling Bank, MoneyLIVE Speaker

Megan Caywood

Chief Platform Officer, Starling Bank

Martijn Van Der Heijden, Habito, MoneyLIVE Speaker

Martijn Van Der Heijden

Chief Strategy Officer, Habito

Rhydian Lewis, RateSetter, MoneyLIVE Speaker

Rhydian Lewis

Founder & Chief Executive Officer, RateSetter

James Aron, Capital One, MoneyLIVE Speaker

James Aron

Senior Director, Head of Core Lending, Capital One

Tony Baron, Federation of Small Businesses, MoneyLIVE Speaker

Tony Baron

Chair of the Treasury Policy Unit, Federation of Small Businesses

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Agenda

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Day 1 Wednesday, 3 October 2018

09.00

Welcome address by Juliet Knight, Director, Marketforce

09.05

Chair's opening remarks

Session 1

Preparing for a new era in lending

09.10
Keynote address

Streamlined, digital, customer-centric: the future of lending


Ian Roberts, Royal Bank of Scotland, MoneyLIVE Speaker
Ian Roberts

Chief Credit Officer, Royal Bank of Scotland

09.30

Advisory session


09.50
Leaders’ Forum

From innovation to collaboration: taking the reins on industry transformation

  • Customer demands for a better experience: what will drive innovation in years to come?
  • A digital world: how must lending products evolve to meet customer expectations?
  • Navigating an open banking world: how can lenders make the most of this opportunity?
  • What can lenders do to create an exciting brand?
  • How should lenders respond to GAFA’s rumoured ambitions in financial services?
  • What technologies are likely to have the biggest impact on lending in the next 10 years?
  • What might the lending landscape look like in the next 10 years?

Maria Harris, Atom Bank, MoneyLIVE Speaker
Maria Harris

Director of Mortgages, Atom Bank

James Meekings, Funding Circle, MoneyLIVE Speaker
James Meekings

Co-founder and UK Managing Director, Funding Circle

Ian Roberts, Royal Bank of Scotland, MoneyLIVE Speaker
Ian Roberts

Chief Credit Officer, Royal Bank of Scotland

Rhydian Lewis, RateSetter, MoneyLIVE Speaker
Rhydian Lewis

Founder & Chief Executive Officer, RateSetter

10.25

Refreshments

Session 2

Taking on open banking

10.55

Planning the road ahead: implementing open APIs into lending strategies

  • A level playing field: how can traditional lenders collaborate with new players?
  • What difficulties might lenders face when opening up their APIs?
  • Successful alliances: key areas to consider when working with FinTechs
  • A focus on data protection: what to bear in mind when sharing data with third parties?

Sahana Hussain, HSBC, MoneyLIVE Speaker
Sahana Hussain

Head of Open Banking, Technology, HSBC

11.15

Advisory session


11.35
Case Study: Starling Bank

Embracing open APIs: expanding customer offerings

Starling Bank has built its business on open APIs, offering a platform of choice for its customers.  This year Starling Bank announced a series of new and exciting partners, incorporating a wide range of players from the insurance industry to digital mortgage brokers.  In this case study, Megan Caywood will explore the benefits of open APIs and sharing data, highlighting how lenders can transform customer offerings.


Megan Caywood, Starling Bank, MoneyLIVE Speaker
Megan Caywood

Chief Platform Officer, Starling Bank

11.55

A private banking perspective: giving consumers the power of choice

  • Inspiring trust: exploring the benefits of open environments
  • Offering alternatives to customers: earning loyalty and enhancing the customer experience
  • How can lenders apply lessons from private banking to their own API strategies?

Katie Young, Coutts & Co, MoneyLIVE Speaker
Katie Young

Director, Head of Lending Transformation, Coutts & Co

12.15

Questions


12.20
Panel discussion

How can lenders succeed in an open banking environment?

  • Building a robust strategy around open banking: what will be the best way forward?
  • How will GDPR co-exist with the data sharing opportunities of open APIs?
  • How can lenders successfully incorporate open APIs into their overall strategies?
  • What impact will APIs have on the success of multi-product offerings and cross-selling?
  • Will digital titans dominate? Can banks take them on as the customers’ principal interface?
  • Leveraging the know-how of tech savvy start-ups: how might lenders utilise this opportunity?
  • 2025 and beyond: who will be best placed to come out on top?

Sahana Hussain, HSBC, MoneyLIVE Speaker
Sahana Hussain

Head of Open Banking, Technology, HSBC

Martijn Van Der Heijden, Habito, MoneyLIVE Speaker
Martijn Van Der Heijden

Chief Strategy Officer, Habito

Christoph Rieche, Iwoca, MoneyLIVE Speaker
Christoph Rieche

Founder, Iwoca

Mia Zhou, Barclays, MoneyLIVE Speaker
Mia Zhou

Vice President, Senior Product Manager, Barclays

Megan Caywood, Starling Bank, MoneyLIVE Speaker
Megan Caywood

Chief Platform Officer, Starling Bank

Session 3

An economic overview

12.50

Evaluating the unsteady economy: key industry impacts

  • The impacts of Brexit: how might the housing market be affected?
  • What customer trends are we seeing in the savings market, and why?
  • Inflation and interest rates: what changes can be expected in the next 5 years?
  • Which economic trends will have the most impact on lenders?

Trevor Williams, Lloyds Banking Group, MoneyLIVE Speaker
Trevor Williams

Former Chief Economist, Lloyds Banking Group

13.05

Questions


13.10

Lunch

Session 4

Streams

Stream A: A spotlight on SME lending
Stream B: A spotlight on mortgages
14.25

Chair’s opening remarks


14.30

Digging deep into SME lending: the evolution of consumer behaviour

  • Analysing and predicting SME lending trends: from the 2008 crash to post-Brexit UK
  • Funding For Lending Scheme: how did lenders and SMEs react to this initiative?
  • How are SMEs choosing to finance themselves today?

Tony Baron, Federation of Small Businesses, MoneyLIVE Speaker
Tony Baron

Chair of the Treasury Policy Unit, Federation of Small Businesses

14.50

Advisory session
A new dawn: growing SME lending with the cloud

  • What new challenges do financial institutions face?
  • What strategic benefits does the cloud offer?
  • How are leading banks embracing cloud technology?

Nathan Snell, nCINO, MoneyLIVE Speaker
Nathan Snell

Chief Innovation Officer, nCino

15.10
Panel discussion

Envisaging the future of SME lending

  • What stands in the way of SME loan innovation?
  • Crowdfunding, alternative lenders, Amazon: who’s winning over SMEs and why?
  • Looking ahead: what must banks do to attract more SME customers?
  • Getting SMEs on board: how can the customer journey be enhanced?
  • What stands in the way of instant credit for SME loans?
  • Leveraging data analytics: how can data improve the overall customer experience?
  • How can processes be streamlined in order to improve efficiency and save costs?

Tony Baron, Federation of Small Businesses, MoneyLIVE Speaker
Tony Baron

Chair of the Treasury Policy Unit, Federation of Small Businesses

Colin Goldstein, Iwoca, MoneyLIVE Speaker
Colin Goldstein

Head of Partnerships, Iwoca

Nathan Snell, nCINO, MoneyLIVE Speaker
Nathan Snell

Chief Innovation Officer, nCino

14.25

Chair’s opening remarks


14.30
Fireside Chat

Product innovation: what do customers want from mortgages?

  • How can flexibility be built into mortgage products to reflect customers’ lives?
  • Understanding your customer base: adapting products for Millennials
  • Getting personal: how can mortgage products be tailored to individuals?
  • How will mortgages change in the next 10 years?

Richard Rowntree, Bank of Ireland, MoneyLIVE Speaker
Richard Rowntree

UK Mortgages Director, Bank of Ireland

David Hollingworth, London & Country Mortgages, MoneyLIVE Speaker
David Hollingworth

Associate Director, Communications, London & Country Mortgages

14.50

Advisory session


15.10
Panel discussion

Uncovering the potential of mortgage transformation: from digital advancements to transparency

  • Digital mortgages: what makes a successful digital offering?
  • In what ways will digital mortgages continue to develop in the next 5 years?
  • How is robo-advice impacting the lending industry?
  • Inspiring consumer trust: how can lenders become more transparent?
  • Alternative products: what impacts do LISAs have on traditional mortgages?
  • How are disruptive players innovating in the mortgage market?

John Goodall, Landbay, MoneyLIVE Speaker
John Goodall

Chief Executive Officer, Landbay

Alexander Emeshev, Tinkoff Bank, MoneyLIVE Speaker
Alexander Emeshev

Chief New Products Officer, Tinkoff Bank

Jeremy Law, Shawbrook Bank, MoneyLIVE Speaker
Jeremy Law

Managing Director, Residential Mortgages, Shawbrook Bank

15.40

Refreshments

Session 5

Unlocking the potential of technology – what now and where next?

16.10

The remarkable power of data: enhancing the accuracy of credit profiling

  • Credit profiling innovations: what’s currently happening in the market?
  • Improved credit scoring: utilising analytics and alternative data sources
  • The journey from data analytics to AI: how can lenders make the jump?

James Aron, Capital One, MoneyLIVE Speaker
James Aron

Senior Director, Head of Core Lending, Capital One

16.30

Advisory session


16.50
Panel discussion

Grasping the opportunities of new technology: improving the customer experience

  • A technological revolution: what opportunities are lenders seeing today?
  • Need for speed: what new technologies can help to enable instant credit decisions?
  • What can be automated to reduce application times?
  • Fuelling fresh insights: how might IoT be used to transform the application process?
  • From debt management to loan selection: how can AI be used to add value to customers?
  • An honest reflection: assessing the maturity of these new technologies
  • Separating technology hype from reality: what is likely to make a real difference in lending?
  • What must be considered when implementing new technologies alongside legacy systems?
  • How can transformation be achieved while meeting the needs of all demographics?

Nicholas Harding, Lending Works, MoneyLIVE Speaker
Nick Harding

Founder and Chief Executive Officer, Lending Works

Sage Young, Onesavings Bank, MoneyLIVE Speaker
Sage Young

Group Head of Strategic Risk Relationships, OneSavings Bank

James Aron, Capital One, MoneyLIVE Speaker
James Aron

Senior Director, Head of Core Lending, Capital One

James Brindley-Raynes, HSBC, MoneyLIVE Speaker
James Brindley-Raynes

Global Product Manager Staff Digitisation, HSBC

17.25

Chair’s closing remarks and drinks reception

Sponsors

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Atom Bank Logo

“A thought provoking and insightful event with a good cross section of speakers from lenders, technology and the wider industry.”

Director of Mortgages, Atom Bank

Shawbrook Bank Logo“Bringing together a wide spread of representatives from across the industry, including the incumbent players right through to the new specialist banks, MoneyLIVE: Lending gives them the opportunity to debate the topics and issues we as an industry face today.”

Chief Executive Officer, Shawbrook Bank

 

Ratesetter logo MoneyLIVE

“A well-organised and well-attended event that covers an impressive amount of ground and is always open to showcasing new trends and ideas.”

CEO, Ratesetter

Who attends

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1 day conference pass, lunch & refreshments and a drinks reception

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15% off

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Venue Details

Hilton Tower Bridge, London

Hilton Tower Bridge, London

5 More London Place, Tooley Street, London SE1 2BY

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