DIVE DEEP INTO DETAILED INNOVATION & AI CASE STUDIES, BY THE BEST IN CLASS

The dawn of open banking and the rise of new players makes innovation a critical point for success.

An event that no major player in banking affords to miss, the Innovation Summit brings together innovation leaders, technology providers and startups with fresh approaches to assess how the best-in-class lead the change. Join this high-level community of disruptors and innovators to find out how to set yourself apart from the competition and be able to navigate your way into the future. The ‘hot’ questions, answered at the Summit: How to manage an innovation project, from ideation to launch, including governance and impact on the firm’s culture?

How are new technologies (AI, blockchain, speech recognition, AR, chatbot, roboadvisory etc.) making their way in the industry?

How do successful banks collaborate with Fintechs?

Emre Demir CRM SVP DenizBank Turkey

Matteo Concas General Manager N26 Italy

Andres Wolberg-Stok Global Head of Policy Citi FinTech USA

Gianni Cavallina Head of Retail Innovation Accelerator department Intesa Sanpaolo Italy

Jean-Philippe Desbiolles VP Cognitive Solutions IBM Watson Group France

JP Nicols Managing Director Fintech Forge USA

INNOVATION SUMMIT IS PART OF THE ‘BEST EFMA WEEK’ IN ROME:

DISRUPT

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INNOVATION SUMMIT 23-24 OCTOBER

TRANSFORM 45TH CONGRESS 26-27 OCTOBER

AWARD

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BANKING AWARDS CEREMONY 25 OCTOBER

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INNOVATION SUMMITARTIFICIAL INTELLIGENCE

Rome 23–24 OCTOBER

#EfmaInno17

23-24OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE KEY FIGURESwww.efma.com/innovation17

BE PART OF AN INSPIRING NETWORKING COMMUNITY

1 INNOVATION SUMMIT 2016 2 FEEDBACK FROM

PAST DELEGATES

‘VERY GOOD PICK UP OF THEMES’ Nino Masurashvili, Deputy CEO, Retail Banking Director at TBC Bank

‘INSPIRING TO HEAR HOW DIFFERENT BANKS APPROACH ALIKE CHALLENGES’ Gunther De Boever, Team Manager, Product Management Business Lending at ING Belgium

‘GREAT TO SHARE DIFFERENT INITIATIVES IN MANY PARTS OF THE WORLD’ Makoto Shibata, Head of Global Innovation at Bank of Tokyo-Mitsubishi UFJ

‘GREAT MOMENT OF WORLDWIDE SHARING/NETWORKING.‘ Andrea Saccani, Project Manager & COO Area Development at BPER Banca

‘EXCLUSIVE INFORMATICS AND INTERESTING EYE OPENER’ Muhammad Faisal Iqbal, VP & Head of Mortgages at Emirates NDB

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2016 Innovation Summit Flickr photo gallery

ATTENDEES132

20

SPEAKERS

73%

TOP SENIORS FINANCIAL

82%

INSTITUTIONS

COUNTRIES33

94%OF THE RESPONDENTS

FROM LAST YEAR’S EVENT RECOMMEND THIS EVENT

TO A COLLEAGUE

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE EXPERT MEETINGSwww.efma.com/innovation17

23-24OCTOBER

2017

PUTTING TECHNOLOGY AT SERVICE OF PEOPLEJean-Philippe Desbiolles

Jean-Philippe is Vice-President Cognitive Solutions IBM Watson Group. A senior executive with 20 years experience leading innovative, cross-industry and break-through projects, he focuses on driving the reinvention of business institutions leveraging digital, artificial intelligence (AI), advanced analytics & (IoT) capabilities... read more.

FROM BIG DATA TO MACHINE LEARNINGRichard Radley

Richard Radley is Head of Customer Engineering for Google Cloud in the UK & Ireland, based in London. Richard and his team advise executives at Google’s most strategic customers on how to use Google’s techno-logy to transform their businesses.... read more.

AI TECH SHAPING THE FACE OF BANKING AND INSURANCE IN A MILLENIAL AREADavid Horton

David Horton, a Head of Innovation at Synechron, is a proven advisor in retail banking innovation with almost 25 years of experience helping financial institutions and banks with innovative and creative digital transformation. His insights and practical knowledge of digital technology trends enable banks to execute transformational projects... read more.

CYBERSECURITY AND DIGITAL TRUSTMatthieu Garin

Matthieu is senior manager in Wavestone, a global consultancy. He has been advising for more than 10 years CISO and CIO in the financial sector on their cybersecurity challenges. He recently led the scoping and delivery of major cybersecurity programs in large international banks... read more.

One-on-one expert meetings

On top of a great programme, Efma is taking the occasion of its 2017 Innovation Summit to aggregate the best field experts from key industry players, who can provide a personalized answer to your most burning questions! A brand NEW feature, which allows each attendee to book up to 2 meetings of 15 minutes each, on 23 or 24 October, according to their availabilities.Demands are high and places limited, so book yours now!

Have a look at the list of experts and their field of expertise:

OPEN BANKING AND API’SJames Buckley

James’ career spans more than 25 years in Financial Services transformation initiatives, focusing on Next Gen Solutions, Operational Agility and IT change. He heads up the European region for Infosys’ banking product set, Finacle where rapid changes in banking technologies are being reflected in Infosys’ offerings... read more.

Please note that the meetings are reserved for representatives from financial institutions.

23OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

Opening Keynotes

Welcome coffee and registration

Thriving in an era of digital disruption Disruption: when and where? Large tech players are disintermediating financial services at an increasing rate

and Fintechs are just the tip of the iceberg The role of PSD2, APIs and other technologies in levelling the playing field The way for organizations to create viable options for the future:

balance optimizing the existing core business while also innovating How are the most innovative teams managing to thrive in this digital disruption era?

JP Nicols Managing Director Fintech Forge USA

Key insights on the 9th edition of Innovation in Retail Banking (Efma/Infosys Finacle)

Jim Marous Owner & Publisher of Digital Banking Report, Co-Publisher of The Financial Brand The Financial Brand USA& James Buckley Global Head of Financial Solutions Infosys Finacle UK

Credit Mutuel and IBM Watson are putting technology at the service of people Watson is assisting 20000 client advisors across France, enhancing the quality of service delivered to 12 million clients in France

The Cognitive deployment is now delivering high value services across 5000 branches to continue to strengthen customer relationships

Main use cases Lessons learned and perspective on how AI is empowering the bank

Jean-Philippe Desbiolles VP Cognitive Solutions IBM Watson Group France& Sébastien Bertrand Business Project Manager, Cognitive Computing Crédit Mutuel CIC France

8.45

9.45

8.15

10.15

10.55 Coffee break and expert one--to-one meetings

In which direction is innovation tending in retail banking?

Why will cognitive science be a revolution for retail banking?

AI and Machine Learning: What’s keeping the regulators up at night AI and Machine-Learning (ML) pose a high-stakes riddle to policymakers and regulators around the world: used well, they could power unprecedented financial inclusion and unimaginable efficiencies in financial markets. Not all scenarios are rosy, however, and many are pointing also to the potential risks.

Behind the curtains in policy discussions around the globe: the pros and cons of attempting to regulate AI/ML Basic policy criteria for managing AI/ML, and what they may mean to incumbents and newcomers in the worldwide financial services industry.

Andres Wolberg-Stok Global Head of Policy, Citi FinTech, Lead Relationship Citi FinTech USA

9.15

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

NFC Ring, a payer’s best friend? IoT-market in general /passive versus active NFC Ring- Company history Rio 2016 introduction of first payment ring New 2017 payment ring & use cases

Chris Dean Chief Product Officer Vega One USA& Nicoli Prencipe CEO Vega One USA

12.25

Lunch and networking12.55

How to leverage the mobile app Overcoming barriers of mobile banking Payment as an enabler of customer experience Seqr: how positive can be an open loop

Rui Patraquim Sales Director for West & Southern Europe MeaWallet Latvia

12.40

The importance of the customer journey and innovation in banking customer acquisition Why we need to talk about the customer journey and the mobile first approach Virtual advice - retain your customers with the help of a mobile app Rise of the bots or the deployment of artificial intelligence to customer acquisition Botboarding - get your own bot within weeks and start acquiring new customers

Thomas Buemsen Managing Director- Middle East Dorsum Co. Ltd Hungary

12.10

Case studies explained by Fintechs

The Open Banking platform for deposits Update Deposit Solutions Open Banking for deposits Case studies

Ermanno Ciarrocchi Regional Director Italy Deposit Solutions Switzerland

11.55

23OCTOBER

2017

Financial institutions and Fintechs present collaboration cases

Machine learning to train a sales force How to improve the customer relationship with machine learning? How does technology measure knowledge, know-how and soft-skills in training? The ALLIANZ Smart Mentoring solution

Stephane Theocharis Directeur Adjoint Formation - Direction Transformation et Mise en marché Allianz France France Philippe Hamel President & Founder ZTO Technology FranceDaniel Re Vice President Invalio France

11.25

23OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

AI: a game changer

Customer engagement: Transforming the business in the age of the customer Intesa Sanpaolo at a glance New digital customer experience Customer experience and Fintech Customer feedback and NPS to create sustainable value In Offerta: digital marketing platform to support our corporate and SME customers

Alessandro Froio Coordinator Digital Communication Intesa Sanpaolo Italy

How AI is changing the game for banks A tsunami of AI technologies shaping the face of banking and insurance in a millennial era Practical use cases for AI in banking The last mile in Fintech innovation: digital strategy, innovation, CX and accelerator tools that banks can use to embrace AI techniques, including: Natural Language Programming — Robotic Process Automation — Data Science — Chatbots — Robo-advisors — Cognitive/Machine learning

David Horton Managing Director & Global Head of Innovation Synechron Technologies UAE

15.25

Deep dive: impact of innovation on business and CX

14.25

Making innovation pay The need for innovation in banking The barriers to innovation Where do banks currently stand in terms of innovation? Turning innovation opportunities into reality

Conor Colleary Group Vice President Financial Services Oracle Corporation United Arab Emirates

15.55

16.25 Coffee break and experts one-to-one meeting

The force of constructive destructiveness of artificial intelligence as a sales channel for branches Empowering sales with business analytics Best offer optimization is a complex big data problem Single and simple view of analytical data

Emre Demir CRM SVP DenizBank Turkey

14.55

AI case studies explained by incumbents

AI is shaking up financial industry...today! From proof of concept to concrete applications The speed of AI implementation in Financial Industry Deutsche Bank: some of its AI User Cases under development

Ingo Becker Senior Product Manager Deutsche Bank Germany& Francesco Brenna Executive Partner IBM Switzerland

16.55

23 OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

Cocktail reception reserved for Efma members and end of day 1 17.55

What can you expect from AI tools? How to deploy AI and mistakes to avoid What’s next?

James Buckley Global Head of Financial Solutions Infosys Finacle UK & Cédric Puel Head of Data and Analytics, Retail Banking and Services BNP Paribas France& Andres Wolberg-Stok Global Head of Policy, Citi FinTech, Lead Relationship Citi Fintech USA

PANEL DISCUSSION: The role of progressive technologies in retail banking; AI and robotics17.25

24OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

Roboadvisory and chatbots

Machine learning : A journey towards transformation

Welcome coffee and registration

Rethinking the role of technology with wealth management Every part of the Wealth Management value chain is being digitalised What lessons can we learn from the experience so far? What’s are the next big themes and what does the future hold? What ingredients do firms need to win going forward?

Joe Parkin Head of Wealth & Retail; UK, Ireland & the Channel Islands BlackRock UK

9.30

8.00

Visit of the Innovation Summit Fintech Village, Experts one-to-one meeting and coffee break10.15

Digital wealth management - Key trends & challenges Robo Advisors and automation are redefining the investment value proposition The main sources of transformation : innovation and disruption New consumer behavior Fast moving technology trends Digital Wealth Robos:live cases

Per Strömbäck Head of Business Development EMEA Additiv Switzerland

10.00

Overview of banks using AIVincent Bastid CEO Efma

8.45

Overview on AI

Why and how to implement chat bot within the Bank? Why do we care about chatbots? Business convictions on usages & potential Illustration with examples of concrete use cases and demo Next steps

Abdelhakim Benamara Deputy Head of Retail Distribution, BNPP DM BNP Paribas France

9.00

Balazs Vinnai Chief Digital Officer, Digital Practice Finastra International Limited UK& Tamas Grunzweig Head of Digital Innovation Labs Finastra International Limited Hungary& Makoto Shibata Principal Analyst & Head of Global Innovation Team, Digital Innovation Division Bank of Tokyo-Mitsubishi UFJ Japan & Renata Talarico Petrovic Innovation & Research Executive Banco Bradesco Brazil& Carlo B.Giugovaz Founder & CEO Supernovae Labs Italy

PANEL DISCUSSION:Building and retaining innovative edge: Inhouse innovation lab or partnership/incubation?

11.15

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

24OCTOBER

2017

Innovation from leading banks and new players: chatbots, innovation center, mobile API

How to leverage X-tech in banking services What is the ISP Innovation Center and what are its main objectives? Main trends, in particular Fintech/Insurtech/Regtech trend Innovation model in Intesa Sanpaolo (R&D) Innovation model in Intesa Sanpaolo (Service Design & Tech Transfer) Why Fintechs are important to ISP and presentation of a case study Pros & cons of different kinds of partnerships, from a distribution agreement to a Fintech acquisition Learning lessons, mistakes, takeaways, etc.

Annalisa Belvedere Senior Innovation Analyst Intesa Sanpaolo Italy & Gianni Cavallina Head of Retail Innovation Accelerator department Intesa Sanpaolo Italy

14.40

A closer look at Bank+Fintech collaboration opportunities Fintech & digital market segmentation Banks’ approaches to the collaboration Insights from real collaboration cases

Carlo B.Giugovaz Founder & CEO Supernovae Labs Italy& Roberto Ferrari Chief Digital and Innovation Officer Mediobanca Italy

14.00

Fintegration: how to create business, partnering with fintechs

Lunch and networking12.30

Google’s transformation journey, from big data to machine learning How Google is transforming itself thanks to machine learning; insights from our process The maturity level of machine learning in the financial sector Some use cases of machine learning in banking

Richard Radley Sales Engineering Google UK

12.00

N26 - building the first truly mobile pan-European bank What are the problems of traditional banking today? How N26 aims to solve these problems: the N26 FinTech hub The N26 vision: becoming the first truly mobile pan-European bank and building a Fintech hub How is N26 developing an organization capable of realizing this vision?

Matteo Concas General Manager N26 Italy

15.10

Roboadvisory & AI: Deus view and experiences Roboinvesting vs roboadvisory Deus model and approach Artificial Intelligence on top of the Roboengine (live demo)

Pasquale Orlando Head of Strategic Marketing and Co-Founder of Deus Technology DEUS Technology Italy

11.45

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PROGRAMMEwww.efma.com/innovation17

24OCTOBER

2017

How Yapı Kredi is fostering innovation in customer experience through neuroscience? Definition of “customer centric” is changing: What is inside your customer’s brain? How to benefit neuroscience for a better customer experience? Can understanding the decision mechanism of the brain and nervous system may help to design customer journey? Case Study: Yapı Kredi Mobile with LeadNeuro

Evren Sahin Director of Digital Banking Channels Yapi Kredi Bankasi Turkey& Emel Temuçin CEO & Co-Founder, Customer Experience Consultant & Neuromarketing Strategist LeadNeuro Turkey

15.40

16.10 End of the conference - Coffee break - Experts one-to-one meetings

Neuroscientific banking

23-24OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE PARTNERSwww.efma.com/innovation17

ASSOCIATE MEMBERS

BUSINESS PARTNERS

MEDIA PARTNERS

DATESThe Innovation Summit will begin with a welcome coffee on Monday 23 October 2017 at 8.15 and will end on Tuesday 24 October 2017 around 18.00.

LOCATIONSheraton Parco de Medici.Via Salvatore Rebecchini, 3900148 Roma, Italy

LANGUAGES All sessions will be held in English

ACCOMMODATIONA block of rooms has been provisionally reserved for the nights of 22 and 23 October

2017 at the Sheraton Parco de Medici Rome Hotel. The cost of a single room type superior is 145€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night), for a double room type superior the price is 165€ per night (including breakfast but excluding 10% VAT and 10% city tax per person and night).

REGISTRATION The registration fee covers participation in the Innovation Summit, 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 Please note that all cancellations will be charged. They must all be received in writing.From the day you make your registration until Monday 9 October 2017, you will be charged 20% of your registration fee. From Tuesday 10 October until the event, you will be charged 100% of your registration fee unless medical certificate provided to confirm your absence.If you are not able to come to the event, please send a substitute delegate as no reimbursement will be made. Substitutions are accepted at any time.

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REGISTRATION FEE

€ 0 for 2017 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 not applicable. All registrations are strictly individual.

23-24OCTOBER

2017

INNOVATION SUMMIT: ARTIFICIAL INTELLIGENCE REGISTRATION FORMwww.efma.com/innovation17

Do you plan to join this event with your team? Good news, discounts apply for group registrations! Contact registration@efma.com

Participants 3-9 10-14 15+

Discount 10% 30% 40%