Digital transformation is now a vital requirement, but digitisation still poses challenges. Banks need to become truly

customer-centric organisations and building ecosystems that will enable them to develop business models that will keep up with the ever changing customer needs. Very few are currently succeeding, so how can these barriers be overcome?

New business models: strategies, funding, revenues New players and other industries: threat or opportunity? Partnerships: collaboration, co-operation, experimentation Culture and organisation Customer centricity Organisational flexibility Regulation

THE 44TH CONGRESS WILL FOCUS ON:

44TH CONGRESS: BANKING TRANSFORMATION

Barcelona 27–28 OCTOBER 2016

Roberto ManconeMD, Global Head of Disruptive Technologies & Solutions Deutsche Bank Germany

Raman BhatiaHead of Digital Retail Banking & Wealth Management HSBC UK

François MiqueuCEO CaixaBank Consumer FinanceCaixaBank Spain

Olivier CrespinGroup Head Digital Bank DBS Bank Singapore

Hakan Ateş President & CEOMember of the Board of DirectorsDenizBank Turkey

Francesca NiedduHead of Customer Experience & CRMIntesa Sanpaolo Italy

THE 44TH CONGRESS IS PART OF THE ‘BEST EFMA WEEK’ IN BARCELONA:

BANKING AWARDS

CEREMONY26 OCTOBER

www.efma.com/in-novationawards16(FREE, but reserved for

financial institutions)

www.efma.com/innovation16

INNOVATION SUMMIT

24-25 OCTOBER

DISRUPT AWARD TRANSFORM

44TH CONGRESS

27-28 OCTOBER

#EfmaCg16

David DabChief Innovation OfficerING Belgium Belgium

Anne Boden CEO Starling Bank UK

Challengers and Catalysts: Fintechs as competitors and partners in digital banking Customer needs, intelligent monetization and efficient processes are guarding rails for a successful digitalization of

Deutsche Bank’s business division Private, Wealth & Commercial Clients ‘Partnering’ is key: building a leading digital eco system in banking for private and commercial clients in Europe Establishing a Digital Factory: with workspace for more than 400 developers, advisors and IT-specialists and

additional 50 workplaces for FinTechs/ external partnersRoberto Mancone MD, Global Head of Disruptive Technologies & Solutions (Private Wealth & Commercial Clients Division) Deutsche Bank Germany

New Business Models

Welcome coffee and registration8.30

Coffee break and networking

10.30

Leadership challenges in the age of the customer

Being a banking business “maker”: special hints behind being the rule setter of the game! It’s Just our choice to be “a Maker” or “a Doer”: DenizBank’s strategic approach Main paradigm beyond industry 4.0 DenizBank’s innovative projects: Industry 4.0 projects, community-based banking projects

and mobilising field powerHakan Ateş President & CEO Member of the Board of Directors DenizBank Turkey

9.00

10.00

Challenges in leading strategic and operational change to successfully respond to dynamic and empowered customers, digital disruption and disruptive business modelsJames McQuivey VP, Principal Analyst Serving CMO Professionals Forrester

Moving from a basic branch banking strategy to segmented focused strategies Segmentation: a key ingredient of CaixaBank strategy to increase its market share leadership Moving from a traditional bank branch to a new store concept Catering to the client on the move - ImaginBank: the first bank where everything starts & finishes with your mobile

François Miqueu CEO Consumer Finance CaixaBank Spain

11.30

11.00

Thursday 27 October 2016

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

Roger Peverelli VODW | Hakan Ateş DenizBank | François Miqueu CaixaBank

PANEL DISCUSSION - New revenues

Reinventing customer engagement. The next level of digital transformation in banking and insurance In most financial institutions digital transformation is about digitising the business to achieve operational excellence 100+ best practices from inside and outside the industry

Roger Peverelli Consultant, Author of Books VODW Netherlands

9.40

9.20

John Berry Efma Senior Adviser & CEO Customer Buyology UK Chairing the event:

12.55 Lunch

12.35

Transformation journey of a traditional bank: overlapping is the only way What is the answer to the challenges facing big universal banks with decades of legacy systems Where are the accelerators hidden? Resource allocation and project selection Bold moves vs. gradual development

Ole Franke Head of Direct Banking Commerzbank Germany& Lukasz Opoka Director of Online Processes Department Commerzbank Germany

Francesca Nieddu Intesa Sanpaolo | Raman Bhatia HSBC Ole Franke Commerzbank | Lukasz Opoka Commerzbank

PANEL DISCUSSION - Organisational flexibility

12.20

Digital transformation: learning from the best

Our journey towards digital transformation Launching a digital bank within a well-established bank The best of both worlds What have we learnt?

Olivier Crespin Group Head Digital Bank DBS Bank Singapore

14.00

The Collaboration Imperative in the Age of Interconnected Digital Ecosystems The digitization of everything: Transforming society, lives, government, and businesses Learning from the best: How digital natives and platform businesses are challenging the old guard From competition to a world of co-opetition: Collaboration, sharing, and openness are the keys to digital success

Peter Sany President & CEO TM Forum Switzerland

14.15

Building the digital operating model in a global retail bank Expanding our strategic focus from ‘executing an effective digital/omnichannel plan’ to business model innovation Building a digital product management capability Developing a new digital way of working across the business and operating activities

Raman Bhatia Head of Digital Retail Banking & Wealth Management HSBC UK

12.05

Thursday 27 October 2016

2014

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

How banks and Startup’s can work together – Experience from the field The Startup’s perspective The bank’s perspective Bringing it all together

David Dab Chief Innovation Officer ING Belgium Belgium

14.30

New strategies: defending your territories

Defending your territory while exploring new paths: the fine art of transforming a successful business The challenges of competing as an incumbent champion within a brand new, customer-driven arena Embracing digital disruption while balancing physical legacies: transformation from a distribution perspective

Adopting a design-thinking approach to integrate the voice of the customer into each and every business decisionFrancesca Nieddu Head of Customer Experience and CRM Intesa Sanpaolo Italy

11.50

15’Q&A

Thursday 27 October 2016

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

Envisioning the Bank of the Future 2035

End of day 117.30

16.00 Bankers vision on banking in 2035

Olivier Crespin DBS Bank | Roger Peverelli VODW | Raman Bhatia HSBC

Multigeneration discussion Olivier Crespin DBS Bank | Roger Peverelli VODW Raman Bhatia HSBC | Niels Caszo AIESEC

16.45

Generation Y envisioning the banking services in 2035 Niels Caszo AIESEC16.30

Wrap-up session and cocktail17.30

15.00

STUDY PRESENTATION - Digital transformation

Coffee break and networking15.30

Axel Reinaud Senior Partner & Managing Director BCG France

Amran Hassan Maybank Berhad | Brett Meyers CurrencyFair.com| Anne Boden Starling BankPANEL DISCUSSION - Traditional vs. New Banking

New players: threat or opportunity

Welcome coffee8.30

Coffee break and networking11.10

New regulation

Threat or opportunity: are Fintech competitors or partners? What we have learned from fintech Not all fintech are born equal Teaching an old dog new tricks

Amran Hassan Head of Innovation Maybank Berhad Malaysia

How new technology can reduce costs while improving the customer experience How it works: a new way to exchange Empowering the customer: clear information and clear choices What is the end game?

Brett Meyers CEO & Co-founder CurrencyFair.com Ireland

9.50

10.05

How digital friendly is the EU environment for banks Is the digital transformation a threat, challenge or opportunity for banks? Finding a balance between innovation, competition, security and customer protection and privacy Is the EU regulatory framework fit for purpose when it comes to creating a digital single market for

banks? A call for a holistic approachSebastien De Brouwer Executive Director European Banking Federation (EBF) Belgium

A new banking landscape Legislative changes facilitating innovation Types of new entrant Impressive alternatives giving customers a choice Implications of PSD2

Anne Boden CEO Starling Bank UK

9.25

9.00

10’Q&A

Friday 28 October 2016

10.20

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

STUDY PRESENTATION - Bank Advisor 2.0: The new place of financial advisors in the customer experienceAmanda Houisse Manager Wavestone France

Customer Centricity

How to differentiate through the customer experience? From customer satisfaction to customer experience How to embark on a journey: from measures to action What can be done in a heterogeneous environment: Africa, Europe and Russia?

Gianluca Soma Deputy CEO, International Banking & Financial Services, Europe Region Société Générale France

13.55

14.10

20’Q&A

Friday 28 October 2016

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

Omnichannel - The new reality New device classes are spawning faster than ever and users embrace them but do banks? Do you already have plans for connected car, virtual and augmented reality ? Where should you start the future omnichannel journey? Is a coherent user experience even possible in this fragmented landscape? Tomasz Marszał Financial Services Chief Strategy Officer Comarch Poland

14.25

12.45 Lunch & networking

STUDY PRESENTATION - Digital by design: retail banks need new models for a new world What are the next key changes to which retail banks need to adapt in the digital revolution? Do retail banks have the ability and agility to adapt? How should retail bankers transform their business and operational models for the new world?

Andrew Stewart Partner, Financial Institutions Group A.T. Kearney UK

12.10

15’Q&A

Delivering the right change-driving leadership approach to meet ever-changing customer needs Are “Millennials” really different? Managing “Millennial” expectations: results of Alior Bank’s “Millennial” research The first step in the transformation of the business model is changing the leadership style: CSO dilemmas

Krzysztof Czuba Deputy CEO, Retail Banking, VP of the Management Board Alior Bank Poland

11.55

Culture and Leadership

Engaging employees to successfully drive innovations and new strategies How to create the organisational culture essential to digital transformation Best case practices from change management Results comparison between traditional vs. new organisational culture

Neville Bourke Head of HR, Retail Banking Bank of Ireland Ireland

11.40

Krzysztof Czuba Alior Bank | Yoni Assia eToro | Christian Reichmayr HypoVereinsbank

16.30

End of the conference17.30

Friday 28 October 2016

Coopetition becomes reality Driving transformation in payment systems Heading to digitalisation with a significantly high pace The pulse of Fintech achieving customer centricity through valuable third party partnerships

Ömer Celal Cündoğlu Executive Vice President BKM-Bankalararası Kart Merkezi Turkey

Successful collaboration between FinTechs and HypoVereinsbank FinTechs with innovative ideas and speed vs. banks with complex structures How can these different partners collaborate effectively?

Christian Reichmayr Head of Multichannel & Online Banking HypoVereinsbank Germany

Coffee break and networking16.00

15.30

15.15

15’Q&A

WORKSHOP - Building valuable partnerships

44TH CONGRESS: BANKING TRANSFORMATION | PROGRAMME

www.efma.com/transformation16

#EfmaCg16

Driving a mutually beneficial revenue driven partnership between an innovative startup and a financial incumbent Banks are struggling to innovate and find new revenue growth drivers. Internal culture slows down change, external disruptors are biting off pieces.

Most customer-focused Fintech startups offer banks a product or service that is innovative from the customer’s point of view. The problem is that it doesn’t come with its own monetisation model, but rather as value added to other offers of the bank

Yoni Assia Founder & CEO eToro Israel

Partnerships

15.00

www.efma.com/transformation16

DATESThe 44th Efma Congress will begin with a welcome coffee on Thursday 27 October 2016 at 8.15 and will end on Friday 28 October 2016 around 18.00.

LOCATION This Congress will take place in: Hilton Barcelona HotelAvenida Diagonal, 589-59108014 Barcelona, SpainTel: +34 93 495 7777

LANGUAGES All sessions will be held in English.

ACCOMMODATIONEach participant must pay the cost of his or her accommodation directly to the hotel before departure. An automatic confirmation will be sent by email within 24 hours after your registration. The hotel will be determined in a couple of weeks.

REGISTRATION The registration fee covers participation in the 44th 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 Thursday 13 October 2016. 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.

PAYMENT

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

Card n°

Expiry date

DATE SIGNATURE

REGISTRATION FEE

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.

€ 0 for 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 excluded. All registrations are strictly individual.

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

ATTENDEE’S INFORMATION

Mrs. Ms Mr. / First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Job title . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . VAT ID number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Twitter account @. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Assistant’s information (or person in charge of the registration)

First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PRACTICAL INFORMATION

SOCIAL NETWORKS

@Efma_news LinkedIn Efma channel Efma flickr Efma app

O O O

OOO

O

O O O O

27-28 October 2016

|REGISTRATION FORM

#EfmaCg16

44TH CONGRESS:BANKING TRANSFORMATION