Agenda themes & stories

Europe Themes

Money20/20 Europe delivers the insights organisations need to revolutionize the payments and financial services industry. Through extensive research and close discussion with our audience, we've identified the 12 themes that will be key for the year ahead and beyond. Across the agenda, we'll be exploring:

Banking Transformation

Banking Transformation

Banking is experiencing a never-ending transformation. International tech giants pose a real disruptive threat to the status quo and banks need to be proactive, not reactive.

Payments Evolution & Innovation

Payments Evolution & Innovation

The future of payments remains uncertain. There is still much ground to be covered and much work to be done to ensure that frictionless, secure payments are front and centre of the customer experience. Join us at Money20/20 Europe 2019 to hear first-hand from the innovators shaping the future of payments across Europe and across the globe.

Platform Ecology

Platform Ecology

The concept of the one-stop-shop is fully realised in the SuperApp. These products seamlessly integrate all aspects of consumers’ online lives – social, navigation, search and increasingly commerce and payments. With the rise of these tech platforms, we’ll explore how other providers are making space for themselves in these ecosystems, whether through partnership or competition. What are the opportunities presented by open banking initiatives and API integrations and will regulation disrupt or enhance SuperApp growth?

Cyber Security & Risk Management

Cyber Security & Risk Management

Prepare to discuss the future evolution of risk models for organisations of all sizes and demystify the emerging technologies and approaches that should be in a Risk Manager’s toolkit. We will explore the new developments being made in regulation and governance and debate the necessity of industry consortia in the fight against cyber criminals, ensuring you equip yourself with knowledge from the front lines of financial crime.

Data Driven Innovation

Data Driven Innovation

Regulation across Europe provides greater access to data with one hand and stringently regulates it with the other, meaning that financial services must walk the tightrope between innovation and compliance. Money20/20 Europe will examine strategies for navigating the data deluge post PSD2 and take an in-depth look at financial cloud technology, big data and analytics for the both the back office and product development.

Transformational Technology

Transformational Technology

Explore the business case for disruptive technologies in financial services, the new sources of value and business models they enable and their impact on the wider ecosystem. We will bring together policy-makers and leading authorities to debate the ethical implications of nascent technologies: whether it is how to govern and apply AI benevolently or examining the human implications of an increasingly automated workforce, Money20/20 Europe will be getting under the skin of technological shifts to ensure you keep up with the innovations that matter today, tomorrow and in ten years’ time.

Future Commerce

Future Commerce

Gain valuable insight from merchants and technologists on emerging commerce models and the solutions that will enable them. Join us to outline the future of connected commerce, from advances in AI to the digital transformation of PoS terminals and from the rise of micro-transactions in online gaming to new social commerce models and supply chain finance. We will explore the solutions, from data-driven innovations to in-store transformation, meeting customers’ multichannel needs, driving demand and creating frictionless, connected commerce.

Identity & Authentication

Identity & Authentication

Money20/20 Europe will explore how government initiatives are revolutionising secure citizen identity and providing access to the formal financial system. Get ready to deep-dive into the regulations driving change across Europe and explore the bleeding-edge tech and cutting-edge companies leading the market. We will bring together the businesses looking to share data for development and examine the role of digital ID in securing trust and preventing fraud.

Regulation & Compliance

Regulation & Compliance

Money20/20 Europe will explore the innovations in compliance technologies, mapping out the deals being made, and the efficiencies gained by first movers. We'll examine international efforts to upskill regulators’ capabilities to respond to market movements and accelerate accurate reporting. We’ll be widening the lenses to take a global view of regulatory initiatives; from the complexities of cryptocurrency and fraud management, to global vs local sandboxes and of course, the step into Open Banking.

Marketing & Communication

Marketing & Communication

Money20/20 Europe will bring together practitioners focussed on the advertising and marketing needs of FinTechs, offering case studies with tangible outcomes, practice advice from scale-ups who have successfully utilised marketing and advertising to build consumer trust and an engaged user base at low costs. Learn from established players and creative talent on how to execute and scale a marketing campaign, define and target your audience to effectively generate revenue, drive consume loyalty and grow your brand.

Entrepreneurship & Investing

Entrepreneurship & Investing

The next generation of financial services is always on the horizon and no one wants to overlook the next big thing. Money20/20 Europe will bring together the leading CVCs and VCs to understand their forward strategies alongside cutting edge product demos from the best up and coming startups that are changing the face of financial services. We’ll deliver learnings from the entrepreneurs that have been there, done that, and hit the big time and from those who had to start again.

Inclusive Finance and Globalisation

Inclusive Finance and Globalisation

Money20/20 will explore the business models and strategies that create value both commercially and socially. How can financial services respond to the increasing customer demand for sustainable investment and what are the corporate social responsibility methods that are leading the way? Understand the learnings we can take from global emerging markets and the Tech4Good that’s creating a more inclusive financial world.

Europe Stories

This year we’re helping you to navigate our epic Money20/20 Europe agenda with the introduction of our Money20/20 Stories – the 5 breaking trends we’ve identified that will be appearing across the agenda. If you’re thinking about how your company can deliver more meaningful innovation, you won’t want to miss this.

Game changing innovation models in financial services

Everyone seems to be ‘innovating’. But what does it really mean? Money20/20 Europe dives to the core. We explore what measurements we use to benchmark innovation – and examine sustainable, commercial step change.

C-Level execs across leading banks, tech and payment brands are asking how to unleash the industry’s next seismic shift. Money20/20 delivers deep insight into three options for incumbents.

  1. Cultural transformation – can internal change within your organisation bring about true innovation?
  2. Tech transformation – do you find success through partnerships and acquisitions?
  3. External transformation – the risks and benefits of building new business models outside organisations.

These debates rage in boardrooms across Europe. Top banks are already revealing plans for new subsidiaries. Traditional banks, payment and tech brands pursue some or all the options, while others sit on the fence. What’s the solution and why? What dynamics drive success for different companies? For your company? Hear industry-leading voices speak and immerse yourself in insight – on success, failure and the future of change.

Commercial models, value chains and M&A activities

Money20/20 takes it all to pieces. We dissect commercial models, share expert tech insight, and break down current and future value chains – exposing where margins are being created, or eroded.

We zone in hard on payment value chains (retail and business), analysing revenue pools and their future. We ask is the number up for The Four Corner Model? And where are the next value sources and business battlegrounds? We offer all the insight to shape, enhance or validate strategic plays and drive new product development.

Insiders say big M&A moves are looming across payment, processing and banking. We look at recent developments – and their future impact. Expect scoops, shocks and surprises!

The interplay of AI, cloud, blockchain and quantum computing

What’s the impact of leveraging your tech holistically? Everywhere companies experiment with AI, machine learning, cloud, quantum computing and blockchain. What happens when it all collides? Removing silos and driving interoperability between these worlds will transform everything. How can it all scale as one? We imagine what an AI- -machinelearning-cloud-quantum-blockchain would look like!

Adventures in open banking

Have the PSD2 and Open Banking initiatives really set Europe alight or have they flattered to deceive? The Money20/20 crew have uncovered a number of compelling propositions that have been successfully executed and are gaining traction and moving across multiple markets. We’ll be getting under the hood of these successes and shedding light on the key success factors, commercial value and future plays.

We’ll be looking to frame new discussions in the industry, for example: how other industry sectors can play a role and explore the possibility of data being shared with third parties, whilst keeping ‘consent’ at the heart. We’ll also be hearing the latest from the leading Eastern and Western tech giants and uncover how they plan to leverage the opportunity to make inroads into expanding their core business models into financial services. Are there partnership opportunities available or should we be very afraid?

The movement of progressive companies into financial services and commerce

Startups, tech and commerce businesses are now moving into new areas of financial services. Most are driven by a need to feed the core - and enhance value for existing customers. Others are targeting new customers or trying to grow scale. Whatever the play, we cut through the hype, drawing deep insights on real value created, the next steps and the implications for those that will be impacted.

Agenda