Our agenda themes provide a guide to the areas we will be covering across our keynote stage and five track stages.
Themes to be covered on our agenda include:
Alternative Lending & Finance
With streamlined workflows, leading-edge risk and credit scoring models, efficient review processes and pioneering marketplaces, non-banks throughout Europe are quickly and effectively scaling small value consumer and business loans in a wide range of lending segments. Money20/20 covers these non-banks, including their commercial and servicing models, regulatory environments, current sustainability and long-term prospects, as well as the implications on incumbent providers, such as opportunities for bank participation and portfolio diversification.
B2B Payments & Finance
Banks and non-banks are struggling to retrofit carbon paper-era systems for the digital economy in the lucrative and rewarding B2B space. Our speakers in this theme will address new competitors and market shifts, the value of the blockchain, their overall perspectives on the future of B2B payments and how they are responding to meet the needs of an expanding universe of senders and receivers.
Engaging consumers and businesses in a digital world presents significant opportunities and challenges for banks. Money20/20 Europe covers all aspects of innovation in banking - from evolutionary to revolutionary-based on trends that include constantly connected consumers, open platforms in bank infrastructure, the role of mobile and social channels, regulatory reform and the emerging importance of the millennial generation. In addition to ground-breaking new brands and other initiatives from established European financial institutions, we address the entry of non-banks and challenger banks, unencumbered by legacy systems, operational processes or branches, offering new money management features and payment functionalities as well as omnichannel customer engagement models and more.
Case Studies & Announcements
Money20/20 Europe has become the place where industry leaders from across the globe gather to share groundbreaking news and announcements. We attracted over 150 industry, mainstream and tech Journalists, broadcasters and analysts to cover the 115+ company announcements made at 2016’s event, and already have a long list of exciting industry news that’s coming this June.
Data, AI & Algorithm based Innovation
Start-ups and established organisations throughout payments and financial services have launched initiatives to harness the value of identifying, gathering, aggregating and analysing data to optimise processes and workflows as well as to deliver superior operational and service models in the creation of personalised customer experiences. Money20/20 Europe will cover these important trends with an emphasis on the technologies and applications of data and analysis, identifying the leading edge companies that have developed or are developing new approaches.
Disruptive Financial Inclusion
With more than 2.5 billion unbanked adults globally, of which an estimated 100 million are in Western Europe, this underserved group is a sizable segment both regionally and globally. Money20/20 Europe covers technologies and solutions ranging from traditional prepaid cards and emerging mobile money and remittance initiatives, to disruptive cryptocurrency efforts in providing affordable transactional services and savings accounts to this segment of the world’s population. We also discuss the diverse providers, including national and regional government and non-government institutions, non traditional entrants such as mobile operators and start-up companies with distinct disruptive propositions, and the state of the industry and the potential for significant short-term advancement in bridging this gap in financial services.
Entrepreneurship and Investing
As commerce moves from hardwired to digital, technology-led innovation is redefining every aspect of payments and financial services, elevating entrepreneurship from the fringes to the heart of the industry. With disruption no longer confined predominantly to the long tail, large organizations are re-evaluating their core strategies, product roadmaps and partnership structures while start-ups are entering the ecosystem with radically new models supported by unprecedented levels of investment, political agendas and accelerator and similar programs. Entrepreneurship and innovation are core Money20/20 themes, with coverage ranging from the state of venture capital investments to showcasing and launching some of the newest market entrants.
Legal & Regulatory
At the European and domestic levels, authorities are focused on promoting competition, fostering innovation, protecting consumer rights, improving security and widening access to financial services and payment systems. Regulation and directives represent an active driver of change, increasing costs for most stakeholders but creating opportunities for innovators. Conversely, regulators face considerable challenges to keep up with changing technologies, especially where they were not contemplated by existing regulations. Money20/20 Europe covers all these key aspects of the industry, including the implications for banks and other stakeholders, the impact on traditional value chains and the resulting new opportunities for innovative banks, non-banks and the FinTech community. Third party access to bank accounts, direct access to payment systems, stronger authentication for online transactions and the fallout from the regulation on Multilateral Interchange Fees, which have already impacted traditional value chains and economics, are just some of the areas of opportunity for the broader payments and financial services community.
Mobile Payments & Wallets
Banks, retailers, payment networks, mobile network operators, OEMs and Internet and technology companies have launched a wide range of mobile payments and wallet initiatives, representing their diverse business models, core competences and objectives. For some, these solutions offer lucrative new growth opportunities, while for others, logical extensions of their existing businesses or additional opportunities to improve customer retention and loyalty. Money20/20 Europe will cover these ecosystem participants and their innovations, including personalised experiences, location and data analytics, non-payments and personal finance management features and more. Coverage will include the art of engineering frictionless, secure and convenient customer experiences, while balancing collaboration and competition to achieve mass adoption and international expansion.
New Market Research & Commercial Models
This market research will be so hot of the press that we don’t even know what our speakers will be revealing about the industry yet! Watch this space for updates on what you can expect to see in June.
Next Gen Retail & Commerce
Commerce is changing at a rapid pace, driven by mass mobile device adoption, emerging omnichannel experiences, the advent of digital marketplaces, changing consumer expectations and through the integration of new data sources. Money20/20 covers the latest consumer and merchant perspectives and propositions that enable more comprehensive, personalised and seamless e-, m- and omnichannel commerce, including alternative and proximity form factors like beacons, tokenization initiatives, cloud and operating system POS solutions, and integrated marketing services and loyalty. Coverage will include how retailers are designing new operational and service delivery models as well as the impact of the Internet of Things, such as wearables and other connected devices on the commerce and consumer experience.
Processing POS & Open Platforms
Processing infrastructures that enable consumer and business payments and financial services (including card issuing and acquiring, POS and ACH platforms are) moving from closed, monolithic and batch processed to open, distributed and real-time. Money20/20 Europe covers these important technology shifts and the resulting interoperability that create new hubs of innovation for frictionless, data-rich and interoperable commercial and social experiences. Specific topics also include the developments from platform owners and third parties using APIs to drive innovation and how mPOS technologies are expanding merchant categories and digitising new segments of commerce.
Risk, Security & Fraud
New technology, political agendas and tech savvy cybercriminals are increasing the complexity of managing risk, security and fraud for participants across the payments and financial services value chain. These challenges are compounded by potentially severe implications on brand image and financial penalties. Industry participants are faced with a number of challenges, such as optimising convenience and security, upgrading legacy systems and technologies to manage customer data from storage to transmission, increasing levels of fraud originating from paper and card-based instruments to digital payments, all while adhering to legal requirements for risk and security that consume resources and can limit the delivery of new products and services. Money20/20 Europe will cover these challenges, focusing on new innovative technologies that help automate and effectively manage risk and security while reducing fraud. Discussions will include leading edge identification and authentication technologies, such as biometrics and unique approaches to KYC, developments in encryption software, the evolution of tokenisation and algorithm-based technology.
For cryptocurrencies, such as bitcoin, and ledger technology, such as the blockchain, to realise its full potential, it will not only need to achieve mainstream adoption on the consumer level, but also find applications in legacy financial systems and B2B uses. As industry interest continues to grow, Money20/20 Europe will explore how this technology can be used in payments, banking and financial services infrastructures to generate efficiencies and improve effectiveness. Coverage will range from the current state of Bitcoin, focusing on case studies of practical use and acceptance, to how leading Central banks in Europe are actively planning to capitalise on this technology and create an environment to promote innovation and attract the cryptocurrency ecosystem.
User experience has become a key differentiating factor across many sectors, overtaking even price as a motivator in some cases. This session identifies UX best practices that have surprised and delighted even the most discerning digital native consumers. There is much to learn from how FinTech startups have embraced UX and put the customer at the heart of the experience. How can banks improve their customers’ experience by moving from meeting expectations to exceeding expectations?