The Future of Retail Banking: Europe
Mar 13-15 2017

The Future of Retail Banking: Europe

Innovate, disrupt, transform

Mövenpick Hotel, Amsterdam City Centre

In this era of innovation and disruption, The Future of Retail Banking: Europe conference will bring fresh insights into the future shape of the banking model.

Stay ahead of the curve and join sessions revealing successful strategies in response to everything from PSD2 and open banking through to artificial intelligence, robotics, biometrics, the Internet of Things and blockchain.

Don’t miss out on this exceptional opportunity to meet and hear from the leading executives at the cutting edge of the banking revolution.

Announcing Introducing the FinTechs Evening

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Introducing the FinTechs

The growing influence of FinTechs heralds the start of a truly exciting time in banking. On the 13th March, meet those at the forefront of change at our brand new ‘Introducing the FinTechs’ evening, in partnership with Holland FinTech. Get to know Europe’s hottest start-ups over an evening of filled with networking opportunities and lightning pitches including:


Plum Logo

EuropeOne Logo

Spotcap Logo



Find out more in the programme below.


Hosted in partnership with

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Interested in pitching? Apply now.


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Tuesday, 14th March 2017

Welcome address by Juliet Knight, Director, Marketforce
Chair’s opening remarks
Keynote opening address

Redesigning the retail bank

Jarosław Mastalerz

Chief Operating Officer



Session One: Pioneering change in banking

Leaders’ Forum

Inspiring transformation from the top down

  • What are customers demanding of banks today?
  • How best can senior management foster innovation within the bank?
  • What initiatives can be undertaken amongst employees to encourage change?
  • What can banks learn from large tech firms such as Google and Amazon?
  • FinTechs: friend or foe?
  • Assessing the impact of PSD2: what are banks doing to prepare?
  • Finding new sources of revenue: succeeding in an increasingly turbulent environment
  • What will the retail banking industry look like in 2020?
Jarosław Mastalerz

Chief Operating Officer


Birte Quitt

Group Head of Retail Strategy

Erste Bank

Milko Hascher

Chief of Digital Transformation


Advisory session

Session Two: Ushering in a new age of digital banking

Revamping the mobile app
  • Making mobile banking fun: overcoming the barriers 
  • Going above and beyond: meeting and exceeding customer’s high app standards
  • How can customer feedback and data be gathered and used to improve?
  • How can partnerships create positive mobile banking experiences?
Ondrej Gálik

Head of Mobile Banking & Customer Engagement

Česká Spořitelna

Using predictive analytics to drive personalised offerings
Dr. Reuven Shnaps

Chief Analytics Officer


Exploring the potential of artificial intelligence
  • How will AI help to serve our clients better? 
  • What will the impact be on the workforce?
  • How can AI help assess customers’ credit worthiness and cut down operational risk?
  • Making banking more secure: how can AI help beat cyber-criminals and fraudsters?
Harrie Vollaard

Head of FinTech & Innovation


Reinventing banking: GEORGE delivering digital banking experiences
  • How can banks combine the ‘human touch’ with ‘financial literacy’ online?
  • Ensuring digital innovation is relevant to customers and traditional financial institutions
  • In what ways can banks be transformed into pan-European platforms?
  • Open banking and new partnerships: cherry-picking the best solutions for customers
Martin Kobza

Head of Digital

Erste Group


Session Three: Streams

Stream A: On-boarding and authenticating digital customers
Getting customers on-board in the Digital Age
  • How can banks increase the proportion of customers on-boarding on digital channels?
  • Ensuring a seamless and effortless digital journey for customers
  • What challenges do banks face in delivering effective customer identification across all digital channels?
  • What can banks do to balance customer experience with KYC regulation?
Ingrid Bocris

Head of Marketing for International Retail Banking

Société Générale

Advisory session
The rise of biometric banking
  • Assessing the relative strengths of different forms of biometric authentication
  • Increasing security: is one-step biometric authentication enough?
  • Best practice: where should banks look to for inspiration?
  • Beyond mobile banking: where else can biometrics be applied in the banking industry?
Panel discussion

Balancing customer experience with security

  • What does an ideal digital on-boarding experience entail?
  • What are the challenges in delivering an effortless yet secure digital on-boarding experience?
  • At which points in the on-boarding journey do customer experience and security come into conflict?
  • What steps can be taken towards delivering both excellent experiences and watertight security?
  • Are digital IDs the answer to simple and safe digital on-boarding?
  • How should KYC regulation evolve in line with the changes in customers’ digital behaviours?
Ingrid Bocris

Head of Marketing for International Retail Banking

Société Générale

Matteo Acquaro

Head of Customer Experience & Communication Unit

Intesa Sanpaolo

Stream B: Lending – maximising returns; uncovering new opportunities
Innovation in lending: where next?

Innovation in lending: where next?

  • What can banks do to encourage product innovation?
  • Which elements of the lending experience are most ripe for innovation and transformation?
  • Customer ideation: how can banks collect and deliver on the ideas their customers have?
  • To what extent do digital channels allow banks to be more flexible and creative with their offerings?
Mary Hunt

Head of Personal and Business Credit Process Re-invention

AIB Group

Advisory session
Case Study: Bondora

Delivering above market returns to investors


With €1.2bn and counting worth of processed loan applications and an average 17.1% net return, Bondora is one of Europe’s leading P2P lenders. Oliver Reinsalu will explore how Bondora’s easy-to-use, online-only platform continues to attract investors away from the banking industry

Oliver Reinsalu

Business Development


Automating lending: delivering effortless experiences
  • What are the challenges in implementing a fully automated lending service?
  • Adapting to new customer behaviours: automated lending for digitally-savvy millennials
  • A new opportunity in lending: how can automation make banks more competitive?
Antonio Queiroz

Head of Distribution

BNP Paribas

Refreshments – enhanced networking break

Session Four: New approaches for the next generation

Understanding and adapting to the new digital customer
  • What key trends and behaviours can we see emerging amongst customers?
  • Identifying the challenges to delivering an excellent omnichannel customer experience
  • Revolutionising the banking experience: where can the industry look to for best practice?
  • Retail banking 2.0: next steps for the industry
Milko Hascher

Chief of Digital Transformation


Advisory session
Case study: AIB

The Lab: revolutionising the branch experience

AIB’s ‘Lab’ invites its customers to ‘Learn About Banking’ in a unique environment, helping them to get the most out of their bank. The most cutting-edge technologies have been introduced to the branch, combining digital with excellent human service to offer customers the most complete and fulfilling branch experiences.

Mark Culleton

Head of Channel Adoption

AIB Group

Champagne keynote address

Insights from across the world: secrets to creating an inspiring brand

Sanjeeb Chaudhuri

Global Head of Brand and Chief Marketing Officer

Standard Chartered Bank

Chair’s closing remarks and end of Day 2
Off-site drinks reception in central Amsterdam

Wednesday, 15th March 2017

Breakfast Roundtable

A spotlight on innovation labs

Sign up beforehand for limited places at our breakfast roundtable, where a leading expert will guide discussion over a continental breakfast and coffee.

Chair’s opening remarks

Session Five: Opening up banking

Title to be confirmed
Wolfgang Strobel

Chief Financial & Operating Officer

Fidor Bank

Advisory session
Understanding the implications of PSD2
Vanesa Casadas

Economist, Digital Regulation

BBVA Group

Panel discussion

Preparing for a new era of open banking

  • What is being done to ensure that PSD2 is being adopted smoothly and coherently?
  • Open APIs: empowering banks to securely and rapidly enhance digital offerings
  • In what ways will regulation change the way banks build relationships with their clients?
  • How will open APIs encourage healthy collaboration and competition in retail banking?
  • What other initiatives can be undertaken to encourage open banking?
  • To aggregate or to be aggregated: harnessing the potential of open APIs
  • Where should banks be looking to for new partnerships and opportunities?
Wolfgang Strobel

Chief Financial & Operating Officer

Fidor Bank

Vanesa Casadas

Economist, Digital Regulation

BBVA Group

Menno van Leeuwen

Head of Focus Team Innovation Centre



Session Six: Product innovation – thinking outside the box

Advisory session
Peer-to-peer discussion zones

To encourage networking and the exchange of best practice, delegates will be able to choose between one of the three zones for thirty minutes of facilitated discussion relating to product design and innovation. Three expert facilitators will lead the discussions and then present twenty minutes of feedback at the end of the session, with further audience input.


Designing something original

  • What can be done to foster a culture of innovation amongst employees?
  • How can customer feedback and data best be collected and acted upon?
  • In what ways can strategic partnerships help deliver more than just a banking product? 

Stefano Azzalin, Director, SELLALAB, Banca Sella



Mobile business: designing state of the art UX to drive sales and engagement

  • Addressing the shift: what are the key elements of effective mobile banking strategy? 
  • Designing products and services for the mobile banking channel
  • Mobile marketing: delivering an end-to-end customer experience

Robert Piotr Hibner, Digital Channels Department, Senior Director, mBank



From inception to realisation: reducing time to market

  • Bottom up or top down innovation? Assessing the pros and cons
  • How can banks overcome the challenges to encourage a faster time to market?
  • How can the impact of legacy systems be reduced when launching new products?

Tsvetanka Mintcheva, Head of Retail Banking, UniCredit Bulbank

Stefano Azzalin

Director, SELLALAB

Banca Sella

Robert Piotr Hibner

Director Digital Channels Department


Tsvetanka Mintcheva

Head of Retail Banking

UniCredit Bulbank

Feedback and questions

Session Seven: Disruptive technologies – staying ahead of the curve

Case study: Mastercard

Implementing the Internet of Things in the payments sphere

Mastercard has successfully demonstrated the ease in which the Internet of Things can be adapted to suit the payments industry, embedding the technology into everyday objects such as key fobs, smart rings, and even clothing. David Dechamps will discuss MasterCard’s push into what it calls the Internet of Payment Things, and explore the potential of IoT in payments.

David Dechamps

SVP Digital Payments & Labs Europe


Advisory session
Blockchains: every cloud has a silver lining
  • Challenging problems, the failure of traditional banking IT and the hidden role of FinTechs
  • What makes a blockchain a blockchain?
  • Engineering pragmatic solutions: distributed ledgers, smart contracts, real-time reporting
  • Finding your silver lining: a call to action
Luis Saiz

Head of Innovation in Security


Panel discussion

New technologies, new partnerships and new opportunities

  • Preparing for new technology: building flexibility into your digital strategy 
  • Automating banking: what are the limitations?
  • The Internet of Things: where does its potential lie in banking?
  • Will blockchain replace or run alongside existing technological infrastructure?
  • Predicting the next big thing: finding the perfect partnerships with FinTechs
  • David and Goliath: facing up to the tech giants
David Dechamps

SVP Digital Payments & Labs Europe


Luis Saiz

Head of Innovation in Security


Gianni Cavallina

Head of Retail Innovation Accelerator Department

Intesa Sanpaolo

Chair’s closing remarks and end of conference

Monday, 13th March 2017

Arrival and refreshments

Introducing the FinTechs

Introductions from Chair
Standing out from the crowd: succeeding in the cut-throat world of ‘FinTechs’
Don Ginsel

Founder and Chief Executive Officer

Holland FinTech

Peer-to-peer discussion

Drinks and canapés served throughout

FinTech lightning pitches
Plum Logo EuropeOne Logo
Spotcap Logo
Victor Trokoudes

Co-founder and Chief Executive Officer


Philipp Buschmann

Co-founder and Chief Executive Officer

EuropeOne Bank

Sara Koślińska

Co-founder and Chief Executive Officer


Niels Turfboer

Managing Director, Benelux & UK


Chair’s closing remarks and end of Day 1 FinTech evening

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Who attends?

The Future of Retail Banking: Europe regularly attracts over 150 senior industry professionals from across Europe. Companies already registered for 2017 include:

  • AIB Group
  • Aktif Yatirim Bankasi Anonim Sirketi
  • Alternatifbank AS
  • Amsterdam Trade Bank NV
  • AXA Bank
  • Banca Monte Dei Paschi Di Siena
  • Banca Romaneasca
  • Banca Sella
  • Banco Best
  • Bank of Ireland
  • Banka Kombetare Tregtare
  • Barclays Bank
  • BBVA Group
  • BNP Paribas
  • Bondora
  • Bpost bank
  • Cariparma
  • Ceska Sporitelna
  • Citadele banka
  • CSOB
  • DBN Latvia
  • Erste Group
  • EuropeOne Bank
  • Fidor Bank
  • Holland Fintech
  • ING Bank
  • Intesa Sanpaolo
  • Isabel
  • Komercni Bank
  • Lloyds Banking Group
  • Mastercard
  • MBank
  • MBNA
  • National Bank of Kuwait
  • Nordea Bank
  • Permanent TSB
  • Postova Banka
  • Rabobank Group
  • Raiffeisen Zentralbank
  • Raiffeisenbank International AB
  • Royal Bank of Scotland
  • Saxo Bank
  • Societe Generale
  • Standard Chartered Bank
  • Swedbank
  • TEB
  • Tesco Bank
  • Unicredit Bank

As a truly European event, attendees regularly represent over 20 nations:

Attendees from across Europe at The Future of Retail Banking: Europe


Save 15%
Pre-register your places now! Group bookings of 3 or more people will receive an automatic 15% discount. Prices listed exclude VAT.
- +
€1,145.00 + VAT Until 17/02/17
€1,345.00 + VAT Standard
- +
€1,625.00 + VAT Until 17/02/17
€1,825.00 + VAT Standard

* This rate is available for financial institutions only. Service providers, including consultants, outsourcing service providers, IT providers and solicitors are not eligible for this rate. The price remains atthe discretion of the conference producers, whose decision is final.

Venue Details

Mövenpick Hotel, Amsterdam City Centre
Piet Heinkade 11, 1019 BR Amsterdam Netherlands

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