- Brendan Gilmore, Managing Director, BPG Strategy Limited (Chair)

Explore the opportunity for embedded finance and Super-Apps in the UK and European market. What are the practical opportunities and benefits for brands of all sizes across all sectors: retail, manufacturing, telecoms, technology, media, utilities, financial services and public sector?

- Simon Torrance, Founder & CEO, Embedded Finance & Super App Strategies

Our rockstar speakers will review the technologies that are paving the way for embedded finance. Understand the power of delivering the right products, at the right time for end users by leveraging BaaS and the next gen of API driven platforms. The ability of businesses of all types to offer financial products at speed is achieved through the beneficial collaboration of providers, distributors, and orchestrators.

-David Palmer, Blockchain Lead Vodafone Business IoT, Vodafone
-Akita Somani, SVP, BNPL/POS Lending, US Bank
-Lawrence Bennett, Head of Financial Services, eBay
-Vicky Wang, Senior Partnerships Manager - Financial Services, Xero
-Angus Ross, Chief Revenue Officer, Banking as a Service, Finastra (Moderator)

Embedded finance is the hottest topic in fintech. Brands are increasingly seizing the opportunity to capitalize on their existing client relationships to deliver contextual financial experiences, grow loyalty and open up a $7trillion market opportunity. But the reality is that launching an embedded finance business is more complex. Learn how brands need to build the business case, structure the projects and select the right partners to succeed.

- Ben Robinson, Co-Founder, Aperture

Alex will discuss the huge leap in innovation that embedded finance unlocks for start-ups and large enterprises alike. However, to gain mass adoption by a mainstream non-fintech audience, he’ll share his thoughts on how embedded finance solutions must be radically simplified in design.

- Alex Mifsud, Co-Founder and CEO, Weavr.io
- Eric Johansson, Tech Editor, Verdict (Moderator)

BNPL was created to allow consumers shop on their own terms and to drive greater sales for sellers. It is one of the most successful examples of embedded lending and it is very popular. But is this creating a potentially unhealthy relationship with debt for consumers? Is there more that could be done to consider the circumstances of all potential customers, including those in vulnerable circumstances? Panellists will explore how to balance offering frictionless CX with ensuring adequate consumer protection and understanding of what complex financial products are.

-Mark Deakin, VP of Research, fintechOS
-Sarah Kocianski, Strategic Insights, Founders Factory
-Petr Baron, CEO, TBI
-Patrizia Lando, Head of Capital Markets, Fasanara Capital
-Kris Morgan, Head of Content, Aperture (Moderator)

One the purview of only the largest companies, FX hedging can now be delivered at scale to companies of all sizes. Hear how disrupting one of the largest markets in the world - A marketplace valued at upwards of US$1 Trillion per day – Creates the opportunity to embed a product that can address the FX risk of end-users conducting businesses cross border at the very moment they need it.

-Aurel Albrecht, Founder, Lano
-Darren Cran, Chief Operating Officer, Accounts IQ
-Barry McCarthy, Founder & Head of Embedded Hedging, Assure Hedge
-Stephen Pope, Professor, University of Maryland Global Campus (Moderator)

Learn how to approach the practical implementation of embedded finance in order to deliver an effortless and branded financial experience for customers. Explore what the journey looks like and the opportunities that builds customer relationships that stand the test of time.

- Daniel Belda, Head of Product Strategy, OpenPayd
-Paul Loberman, Chief Product Officer, untied
- Karan Shanmugarajah, CEO, Wealth Kernel
- Will Hackett, Head of Fintech Practice, Pangea (Moderator)

As businesses offering cryptocurrencies as a mean of payment are gaining ground and demand to pay in crypto is growing, so are the technologies enabling embedding crypto currencies in payments to be offered at point-of-sale. In this case study, we will be exploring the risks and opportunities on making crypto currencies available to consumers.

-Anthony Lees, Chief Product Officer, Wirex
-Bridget Greenwood, Founder, The Bigger Pie
-Mark Hipperson, CEO, Ziglu
-Duncan McEwen, Manager Payments, UK Finance (Moderator)

- Brendan Gilmore, Managing Director, BPG Strategy Limited (Chair)

Enhancing customer experience for customers and end-users is a key goal for embedded finance. The default expectation of consumers for ease and simplicity touches all products and services. Panellists will explore the role that partnerships play in underpinning the seamless integration of financial services for a growing ecosystem of providers. What are the hallmarks of successful collaboration between providers and non-financial enterprises?

- Lukas Neckermann, COO, Splyt
- Gerard Hurley, Chief Risk Officer, Chip
- Conrad Ford, Chief Product & Strategy Officer, Allica Bank
-Michael Davidson, Chief Revenue Officer, Freedom Finance
- Sergiu Negut, Co-Founder, FintechOS (Moderator)

Regulators and industry practitioners will review the current regulatory landscape for embedded finance, and the future direction of travel. Can consumer protection and supporting innovation work in tandem to achieve a sustainable future for embedded finance?

- Briony Krikorian-Slade, Principal Payments, UK Finance
- Kayne Osbourne, Head of Compliance and DMLRO, Chip
- Junaid Rahim, Chief Operating Officer, Lextego
- Stefan Slattery, Data Security and Compliance Expert, Very Good Security
- Rashee Pandey, Head of Membership and Growth, Innovate Finance (Moderator)

Whatever your organisation does, no matter your commercial model, nor your location, without Telecommunications you simply wouldn’t have much of a business today. The Telecommunications infrastructure and layers of related services upon it power your connectivity and the ever-expanding number of highly engaging mobile digital channels you rely on to effectively engage with your clients, potential clients, team members and indeed any other stakeholder.

-Lawrence Gilioli, CEO, Lenderwize
-Mark Stewart, CEO, Bank of Telecom
-Darko Sesvecanec, Global Head of Industry Advisory, Infobip
-Allister Fraser, Digital Identity - New Business Development, BT
-Jonathan Bennett, Chief Commercial Officer, DOCOMO Digital
-James Williams, Director of Programmes, Mobile Ecosystem Forum (Moderator)

The Creator Economy is bigger than you think… It isn’t a buzzword or a fad. It represents a structural shift in the way content is created and consumed. The Creator Economy promises to transfer massive benefits and opportunities to millions of creatives. But only if we set things up properly – and this is where embedded finance has a role to play…

-Clare McKeeve, Group CEO, Talenthouse

Industry leaders will discuss the big questions in social media monetization: Are creators paving the way in digital payments innovation? How tapping into closed knit communities drives opportunities to meet both unmet needs and new opportunities.

-Lotanna Ezeike, Founder, XPO
-Clare McKeeve, Group CEO, Talenthouse
-Daniel Lowther, Head of FinTech, CCgroup (Moderator)

-Simon Torrance, CEO, Embedded Finance & Super App Strategies (Chair)

Review how can retailers introduce embedded and IaaS offerings in their digital ecosystem, that are relevant to customers, and generate new revenue streams. Discover the uses of real time data to boost product personalization and to enhance CX.

- Gail Cooper, AVP, Product Management, Unum
- Dylan Bourguignon, CEO, SO-SURE
-Tobias Taupitz, CEO & Co-Founder, Laka
- Henry Newby, Partnerships Director, Superscript
- Domenico de Fano, Principal Product Manager, TravelPerk
- Carla Venter, Head of Investments, Aperture.co (Moderator)

Embedded insurance is all about offering relevant and affordable insurance when and where needed. Industry leaders discuss the opportunities of embedded insurance and how this ecosystem can benefit both insurers and customers. Explore how embedded finance can reduce the protection gap in insurance by offering relevant and accessible insurance solutions at the point-of-purchase.

-Xavier Blanchard, AXA Travel Insurance CEO and Global Head of Specialized Insurance, AXA Partners
-John Pyall, Head of Product and Underwriting at Great Lakes, Munich Re
-Graeme Dean, VP, Global Insurance Solutions, Cover Genius
-Ash Bhatia, CEO, Shipyard Innovation (Moderator)

Explore the Insurance-as-a-Service model: Different approaches to delivering innovative and personalized products through SaaS. Discover how data-driven solutions can facilitate operating models that are suitable to your business and take customer experience to the next level.

-Garrett Olson, Head of Insurance & Risk Management, Wolt
-Gonzalo Rodriguez, Head of Group B2B2C Partnerships, Generali
-Simon Torrance, CEO, Embedded Finance & Super App Strategies (Moderator)

China has grown some of the world’s largest digital insurance firms by both market value and customer numbers. This case study examines the conditions that have supported growth, the business models that are winning out (and failing), who is capturing the most from the insurance value chain and the partnership and ecosystem strategies that are gaining traction in this massive market.
- Guy Mills, Former CEO Hong Kong & China and Chairman, Manulife

-Dharmesh Mistry, CEO, AskHomey (Chair)

Michael Stemmle, CEO and Founder of embedded wealthtech additiv will review the growing need for wealth management services (with particular focus on six use cases), how these use cases can be addressed by embedding wealth and investment services, and the size of the potential market opportunity.

-Michael Stemmle, CEO and Founder, additiv

Panellists from all ends of the retail banking spectrum will assess what embedded finance, including offering wealth and investment services, means for their business and their customers. Particularly, it will focus on the possibility to improve customer lifetime value and retention as a way to dramatically improve the unit economics of retail banking, which in all of its forms is plagued by low profitability.

-Eric Andersson, Managing Director, additiv
-Louise Ferslev, CEO and Founder, Mymonii
-Haukur Skúlason, CEO, indó
-Irene Hemmer, VP of Marketing, Talenthouse (Moderator)

At the end of last year, the Swedish financial advisory company Evida announced the launch of their fully digital, hybrid investment service to asset management clients in the Nordics. In this discussion with Per Palmström, Partner and Chairman at Evida, we will explore the importance of this launch to the market, why a Wealth Management-as-a-Service platform approach was essential and how embedded wealth enabled them to realize optimum results.

-Eric Andersson, Managing Director, additiv
-Per Palmström , Partner and Chairman, Evida

On this panel, we will discuss the opportunities for banks and other financial institutions in offering investing services to meet the growing demand for personalised wealth management, as well as the challenges they face, technologically, organizationally, and culturally in doing so.

-Tamara Kostova, CEO, Velexa
-Manuela Sedvartaite, Innovation Manager, Santander
-Charlotte Kanagasabapathy, Director Innovation, Barclays (Moderator)

Our panellists will discuss how embedded wealth is a key lever for financial inclusion as well as critical to improving people’s financial, mental and physical wellbeing. It will address how broadening access to wealth services and financial education can see people moving up the financial self-actualization pyramid. As well as opportunities for embedder brand, this is also an opportunity for employers to do more to meet SDGs.

-Dieter Lützelschwab, General Manager Switzerland, additiv
-Paul Waters, Head of Digital Wealth, Hymans Robertson
-Jenna Luvin, Chief Marketing Officer, Tulipshare
-James Devlin, VP, Fintech Investor, Fidelity International Strategic Ventures
-Kieran Hines, Senior Analyst, Celent (Moderator)

The success of embedded wealth rests in part on meeting consumers’ unmet needs. Studies show that older consumers are interested in getting some exposure to digital assets, while for younger consumers, already owning crypto assets, there is the possibility to introduce more traditional wealth management services. In the panel, we discuss the opportunities of combining traditional and digital assets into wealth management services, and the challenges of doing so.

-Seamus Donoghue, VP Strategic Alliances, METACO
-Ijeoma Okoli, Co-Director, Digital Economy Institute
-Michael Hofer, Chief Banking Officer and Partner, BCB Group
-Eddie Robb, Commercial Director, Zumo
-Richard Maton, Managing Director, Aperio Strategy (Moderator)

Have a tipple and a chat with industry friends new and old