Agenda

In the wake of the EU referendum decision and the US election results, 2017 will be a year of significant transition and transformation that will reshape political landscapes and the global economy. With worries about a ‘hard’ Brexit and its repercussions to the UK banking and FinTech sectors, coupled with the election of a US president that favors protectionism over free trade, how will governments, big banks, investors and entrepreneurs – as well as markets and economies- respond to a new era of uncertainty?

 

Innovate Finance’s Global Summit 2017 will address the challenges and opportunities that this period of change presents and the major implications for financial services and the FinTech sector. The event will bring together representatives from global FinTech hubs to discuss their activities and vision for the sector.

 

Simply click on each session, panel or fireside chat to find out more.

DAY ONE
The Great Hall
The Livery Hall
Workshops
Roundtables
DAY TWO
Pitch360: Demo Day
Roundtables
Workshops
Networking Events
The Great Hall
The Livery Hall
Workshops
Roundtables
Pitch360: Demo Day
Roundtables
Workshops
Networking Events
08:00 - 10:00
Registration and Exhibition Open, Arrival Refreshments
08:00 - 09:30
Registration and Exhibition Open, Arrival Refreshments
09:00 - 10:00
Omidyar Network: The Mission, the Thesis, the Vision

Omidyar Network will host an open dialogue workshop for potential co-investors, entrepreneurs, and partners to explain its philosophy and commitment to social impact investment.
 
This session will include discussions from entrepreneurs backed by Omidyar Network and their investment experiences in collaboration with the network. Audience members will
be encouraged to participate with questions and comments to make this an insightful and interactive workshop.

 

Register Here

For tickets holders only

 

 

 

Ameya Upadhyay

Principal-Investments, Omidyar Network

Kabir Kumar

Director of Policy and Ecosystem Building, Omidyar Network

Matteo Rizzi

Founder, FinTech Stage

 

09:00 - 10:00
Chatham House: US economic, financial and digital policy and its implications for Europe

Chatham House will be hosting a roundtable to examine the economic, financial and digital policy direction of the nascent Trump administration and what the implications might be for the US and its major economic partners in Europe.  The roundtable will bring together key stakeholders in public policy, academia and industry to discuss how the Trump administration’s policies fit during a time of mixed economic signals for economies around the world, especially the US and Europe.

Moreover, attendees will uncover what the effect these policies may have for emerging sectors, such as FinTech, and if indeed the new administration may exacerbate an already uncertain domestic and international political environment.

Chair:

Daniel Morgan

Director, Policy and Regulation, Innovate Finance

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09:30 - 10:00
Welcome in the Great Hall
10:00 - 11:00
Session One: FinTech in 2017: The Macro-Economic Context

These sessions look at how the FinTech ecosystem operates on a global scale and whether international collaboration and co-operation is still necessary to drive innovation.

10.00 - 10.05 Opening Remarks
Lawrence Wintermeyer

Chief Executive Officer, Innovate Finance

10.05 - 10.10 Welcoming Remarks
Mark Boleat

Chairman of Policy and Resources Committee, City of London Corporation

10.10 - 10.20 Opening keynote
David Sproul

Senior Partner and Chief Executive, Deloitte UK

10.20 - 10.30 Keynote
Nick Ogden

Executive Chairman, ClearBank

10.30 - 11.00 Brexit, Trump and Globalisation

A look at their impacts on markets and financial services in 2017. A panel of expert economists share their views on the beginning of a new political era and the effects of globalisation, what the big economic developments will be as a result – and what it all means for the financial and FinTech sector.

Moderator:

Katie Derham

Broadcaster

Panelists:

Chandran Nair

Founder, The Global Institute of Tomorrow

Philippe Legrain

Author, Aftershock: Reshaping the World Economy After the Crisis

Will Hutton

Principal, Hartford College, Co-Creator, The Big Innovation Centre

10:30 - 12:00
Nesta: The Future of Open Banking

Innovation foundation Nesta will host a roundtable to discuss how the UK’s emerging open banking standard could best be delivered to benefit millions of small businesses.

The roundtable will feature some of the brightest minds in small business FinTech and open banking policy making. They will consider how the standard can encourage customer-focused innovation in 2018 and beyond and examine the big decisions and tradeoffs for policymakers?

Nesta recently launched the Open Up Challenge, a £5m prize for FinTech firms that will  use open banking APIs to transform the way small businesses discover, access and use financial products.

Chair:

Sir John Gieve

Chairman, Nesta

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For ticket holders only
11:00 - 12:00
Session Two: Borderless FinTech: Connecting Globally, Acting Locally
11.00 - 11.15 Spotlight: Overview – The Global FinTech Hubs Landscape
Louise Brett

Head of FinTech, Partner, Deloitte

11.15 - 12.00 Panel: Can FinTech hubs influence the global world of finance independently or must they engage with other centers of innovation? Regional FinTech champions discuss the trend towards collaboration and the race to become the leader of global FinTech, with a particular look at how Brexit will impact global relationships.

Moderator:

Louise Brett

Head of FinTech, Partner, Deloitte

 Panelists:
Jens Spahn

Parliamentary State Secretary, German Federal Ministry for Finance

Maria Gotsch

President and CEO, Partnership Fund for New York City

Mohanty Sopnendu

Chief FinTech Officer, Monetary Authority of Singapore

Rajesh Agrawal

Deputy Mayor of London for Business, Mayor of London

11:00 - 12:00
MIT Connection Science and Innovate Finance: Constructing Successful Sandboxes

A year after receiving a formal invitation by the FCA to consult industry on an Industry Sandbox, Innovate Finance, in collaboration with MIT Connection Science, is hosting a workshop to sharing its findings.
 
The workshop will engage FinTech stakeholders to discuss the industry challenges that are best resolved in collaborative sandboxes and the best practices for constructing such environments for data-driven open innovation.

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For tickets holders only

 

David Shrier

Managing Director, MIT Connection Science

Dea Markova

Head of Programmes, Innovate Finance

 

11:00 - 12:00
Session One: Markets Unchained: Blockchain and Capital Market Innovation
11.00 - 11.20 Fireside Chat
Peter Randall

CEO, SETL.io

Simon Jack

Broadcaster

11.20 - 12.00 Panel: Distributed ledger technologies are essential building blocks for tomorrow's business, but what benefits are truly possible and what is just hype? This discussion cuts through the noise and looks at what blockchain means for capital markets and when to expect its impact.

Moderator:

James Doyle

Partner and Global Head of International Dept Capital Markets, Hogan Lovells

 Panelists:
Anthony Woolley

Managing Director, UK CIO, Societe Generale

Daniel Aranda

Managing Director Europe, Ripple

Keith Bear

Vice President, Global Financial Markets, IBM

Veronica Lange

Head of Innovation, UBS

 

12:00 - 13:00
Session Two: Investing in Global FinTech Growth: A Look at the Trends
12.00 - 12.20 Fireside Chat: Chinese investment in FinTech has taken over the US for the first time. This session examines the impact this power shift has on regional FinTech hubs and the globalisation of the sector.
Matteo Rizzi

Founder, FinTech Stage

Oscar Jazdowski

VP and Head of Corporate Banking, Silicon Valley Bank China

12.20 - 13.00 Panel: What are the hottest global FinTech investment trends? Looking from a technical and banking perspective, investors come together to assess the sustainability of increasingly common mega-funding rounds and the growing gap in growth capital.

Moderator:

Matteo Rizzi

Founder, FinTech Stage

 Panelists:
Chris Adelsbach

Managing Director, Techstars

Eileen Burbidge

Partner, Passion Capital

Mariano Belinky

Managing Partner, Santander InnoVentures

Sheel Mohnot

Partner, 500 Startups

Tim Levene

Managing Partner, Augmentum Capital

12:00 - 13:00
Session Three: Global Regulation: Architecting the New FinTech framework
12.00 - 12.15 Keynote
Chris Woolard

Director of Strategy and Competition, FCA

12.15 - 13.00 Panel: In digitised and diverse economies can regulators keep pace with change? This session address this question and the future of right touch regulation, with a focus on the impact of global regulatory sandboxes, the increasing demand from developing markets and the emergence of technologies designed to overcome regulatory hurdles.

Moderator:

Jo Ann Barefoot

CEO, Barefoot Innovation Group

 Panelists:
Chris Woolard

Director of Strategy and Competition, FCA

Dr. Philip Treleaven

Professor of Computing and Director of the Financial Computing Centre, University College London

Kosta Peric

Deputy Director, Financial Services for the Poor,
Bill & Melinda Gates Foundation

Ruth Wandhöfer

Global Head Regulatory and Market Strategy, Citi

Wendy Jephson

Co-Founder and Chief Behavioural Scientist, Sybenetix

12:30 - 13:30
World Economic Forum: Cognitive Automation in Finance – Mind the Governance Gaps

WEF will host a roundtable on how cognitive automation that leverages a range of cutting edge artificial intelligence and machine learning techniques can drive increased efficiencies and enable new capabilities for financial institutions. Simultaneously, it can also improve customer experiences and facilitate  a more stable and inclusive financial system.

But unlocking the potential of these technologies will not be without risks or challenges. Financial institutions, regulators and policymakers will need to reflect on the collective implications of these technologies  to proactively address the governance gaps that will inevitably result from a shifting competitive landscape, new systemic risks, and a changing role for humans in the financial workforce.
 
This roundtable discussion will assemble a senior group of financial services executives, technologists, regulators, and policymakers to discuss these issues. The results of the dialogue will provide input to a new multi-year initiative by the World Economic Forum focused on good governance frameworks for cognitive automation in the financial system.

 

Register Interest

For tickets holders only

 

Jesse McWaters

Project Lead, Disruptive Innovation in Financial Services, World Economic Forum

13:00 - 14:00
Lunch
13:00 - 14:00
Lunch
14:00 - 16:00
Session Four: Predicting the Shift: Recognising the Implications of New Technologies
14.00 - 14.30 Fireside Chat: Changing consumer behaviours: how technology is shaping the future of financial advice and society’s attitude towards household economics.

Moderator:

Alvin D. Hall

Broadcaster and Author

Panelists:
Ben Stanway

Co-Founder, Moneybox

David Halpern

CEO, The Behavioural Insights Team

Paul Killik

Partner and Senior Executive Officer, Killik & Co.

14.30 - 15.00 Fireside Chat: Quantum Computing: The Science of Finance. In a world where computing speed is key, and can make the difference between profit and loss, what power can quantum computers hold? This discussion focuses on the impact of quantum computing on financial services.
Brett King

Host, Breaking Banks

Ilyas Khan

Founder and CEO, Cambridge Quantum Computing

15.00 - 15.30 Panel: Clever banking with AI: The next frontier for automation in banking. As artificial intelligence becomes more autonomous, this discussion looks at where liability falls when it comes to regulation: policy makers, institutions or developers.

Moderator:

Brett King

Host, Breaking Banks

 Panelists:
Michael Harte

Group Innovation, Barclays

Mike Blalock

General Manager, Intel FSI

Nitesh Banga

SVP, Products and Platforms at Infosys

Paul Taylor

CEO, Thought Machine

More speakers to be announced. 

15.30 - 16.00 Panel: Debunking the Legacy – Will financial services’ embrace of the cloud and the shift towards platform based banking models help create a more open and agile banking experience? This session will highlight the forces enabling a move away from legacy technologies towards a banking ecosystem that better serves the needs of customers.

Hosted by the World Economic Forum 

Moderator:

Jesse McWaters

Project Lead, Disruptive Innovation in Financial Services, World Economic Forum

 Panelists:
Anne Boden

CEO, Starling Bank

Gavin Jackson

Managing Director EMEA, Amazon Web Services

Likhit Wagle

General Manager, Global Banking & Financial Markets, IBM

14:00 - 15:00
Omidyar Network and Innovate Finance: Global Approaches to RegTech

Innovate Finance will host a roundtable​ that examines the challenges faced by regulators around the world, and how  RegTech can help drive greater  real-time analysis of societal risk.  In partnership with the Omidyar Network, this session will bring together  regulators, RegTech innovators and thought leaders from across the globe to discuss the optimal tech and policy framework to help transform the market through RegTech.

Register Interest 

 

For tickets holders only

Co-Chairs:
 

Daniel Morgan

Director, Policy and Regulation, Innovate Finance

Kabir Kumar

Director of Policy and Ecosystem Building, Omidyar Network

14:00 - 15:00
Session Three: Open Banking: How Tech Giants and Banks are Working Together
14.00 - 15.00 Panel: An analysis of the potential impact of open banking on traditional financial institutions and whether new payment providers and tech-enabled platforms can improve consumer services.

 Moderator:

David Birch

Director, Consult Hyperion

 Panelists:
Alan Lockhart

Open Banking and FinTech Relations, Royal Bank of Scotland

Celine Lazorthes

Founder and CEO, leetchi.com and MangoPay

Luke Griffiths

General Manager, Klarna UK

Nick White

Senior Vice President, Monitise

Simon Toms

Partner, UK, Allen & Overy

 

15:00 - 15:30
Session Four: InsurTech: Disrupting the World of Insurance
15.00 - 15.30 Panel: The future of insurance: a look at founders disrupting the insurance sector.

Speakers to be announced soon.

15:00 - 16:00
Bill and Melinda Gates Foundation: Building Bridges: How FinTech Can Unlock the Market Potential of Two Billion Unbanked

The Gates Foundation hosts a roundtable that brings together finance and technology experts to examine the chain of connections that providers need to make—including with each other— to unlock the ability to reach customers they’ve never been able to before and to profit from banking the unbanked.

Register Interest

For tickets holders only

 

Kosta Peric

Deputy Director, Financial Services for the Poor,
Bill & Melinda Gates Foundation

15:30 - 16:00
Session Five: Education and Advice: Financial Wellness and the Path to Prosperity
15.30 - 16.00 Panel: The impact of technology: Examining the technology advances that have the greatest impact on financial wellness.

Panelists:

Claire Calmejane

Director of Innovation, Lloyds Banking Group

Dr. Ella Rabener

Co-Founder and CMO, Scalable Capital

Giovanni Daprà

CEO, Moneyfarm

Steve Davies

Partner, EMEA FinTech Leader at PwC

 

16:00 - 16:30
Break
16:00 - 16:30
Break
16:30 - 17:30
Innovate Finance: FinTech’s Big Bang Moment

Innovate Finance will host a roundtable to discuss the ​2017 FinTech Big Bang project. ​The session convenes the experts​ that have contributed to the project and play vital roles in the world of financial services, technology and academia. Together they will ​discuss how ​FinTech can help drive a second Big Bang and stimulate the conditions for innovation, growth and democratisation in financial services.

Register Interest 

For tickets holders only

Chair:

Ed Vaizey MP

Ed Vaizey MP, MP for Wantage, UK Parliament

16:30 - 17:30
Deloitte: Open for business? An Exploration of a Platform-based Future for Financial Services

Deloitte will bring together industry leaders and host a moderated panel discussion which assesses how the financial services industry is shifting from closed to distributed, or ‘open’ models, where products, services, functions and data are shared with third parties to create additional value, business models and customer outcomes.
 
Specifically, the session will explore how new business models are leveraging emerging technologies to simplify the design of products, processes and business architectures, how such models are created, the regulatory change driving a lot of the change, the benefits and challenges of platform-based services, what these changes mean for customer centric solutions and simplified employee processes, and how ‘open data’ could threaten incumbents’ competitive advantages.

Register Interest

For tickets holders only

 

16:30 - 17:30
Session Six: Crossing the Chasm: Alternative Finance’s Mission to the Mainstream
16.30 - 16.45 Fireside Chat: Equity crowdfunding: The viability of the crowd. As crowdfunding platforms mature, what threat do they pose to traditional private equity firms and are we seeing the rise of ‘marketplace investing’? This session addresses this issue and whether the term ‘crowdfunding’ is misleading, given the increase in institutional investors.

Moderator:

Liz Lumley

Managing Director and Thought Leadership, Rainmaking

Panelists:
Giles Andrews

Chairman, Zopa

Rhydian Lewis

CEO, RateSetter

16.45 - 17.30 Panel: Alternative lending. Though gaining in popularity, alternative lending remains largely the preserve of the early adopter. Experts discuss ways to reach more customers while ensuring platforms are recession-proof, and whether Brexit will transform the UK’s sector.

Moderator:

Liz Lumley

Managing Director and Thought Leadership, Rainmaking

 Panelists:

Christoph Rieche

Co-Founder and CEO, Iwoca

Gonçalo de Vasconcelos

CEO and Co-Founder, SyndicateRoom

Jeff Lynn

CEO and Co-Founder, Seedrs

Niels Turfboer

Managing Director, Spotcap UK

Viola Llewellyn

Co-Founder and President, Ovamba

16:30 - 17:15
Session Five: Digital Identity: Providing Global Access
16.30 - 17.15 Panel: Addressing the digital divide: This session assesses how industry and policy makers can work together to increase access to digital identities.

Moderator:

David Shrier

Managing Director, MIT Connection Science

 Panelists:
Jean-Louis Schiltz

Guest Professor, University of Luxembourg

John Edge

Chairman, Identity2020

Kabir Kumar

Director of Policy and Ecosystem Building, Omidyar Network

Nuria Oliver

Director of Research in Data Science, Vodafone

Stan Stalnaker

Chief Strategy Officer, Hub Culture, hubID, Venn Currency

17:15 - 17:45
Session Six: Sourcing the Hack: Cyber Security and Financial Services
17.15 - 17.45 Panel: Organised cybercrime: This discussion looks at whether greater collaboration between security forces and FinTech increases protection against the growing number of cyber security threats faced by financial institutions.

 Panelists:

Ian Dyson

Commissioner, City of London Police

James Chappell

CTO, Digital Shadows

Poppy Gustafsson

EMEA CEO, Darktrace

17:30
End
17:45
Closing Remarks
Alastair Lukies CBE

Chairman, Innovate Finance

 

07:30 - 09:30
Anthemis & Erevena: #hackingfinance breakfast

Apply here

For ticket holders only.

Venue: Searcys at The Gherkin- 30 St Mary Axe, London, EC3A 8EP

08:00 - 09:30
Bahrain EDB: Bahrain Global Islamic FinTech Hub

We are delighted to invite the Innovate Finance community to join us for breakfast and hear updates from the Bahrain Economic Development Board and Partners on the future of Islamic Fintech in the Kingdom.

In addition to providing an overview of the ecosystem, initiatives and opportunities for growth  the discussion will also highlight the role of Bahrain as a regional gateway for Islamic and Conventional Fintech in the Gulf.
 
We look forward to welcoming you!​

 

Venue: The Anthologist, 58 Gresham Street, London EC2V 7BB (Opposite The Guildhall)
 

Applications will be opening soon.

For tickets holders only.

09:00 - 10:00
IBM: Design for No Touch

The Financial Services industry once again is at a point of inflection. It is every bit as significant as the financial crisis of 2008. Cognitive Computing combined with advances in robotics will enable substantial delayering and restructuring of banking’s labour force with people shifting toward higher value, customer focused interactions.  The emerging mantra is about delivering digital customer journeys and designing out human intervention for most routine, repetitive tasks.

Applications to attend will be opening soon

For tickets holders only

09:00 - 10:00
Hogan Lovells: Making Regulation Invisible – Using RegTech to Embed Rules into Workflow

Innovative RegTech solutions offer the potential for banks to embed rules and regulations into the fundamental workflow of their business. Bypassing the need for human intervention, rules and regulations may soon be able to ‘speak’ to internal policies, automatically identifying when a rule change requires a policy clause to be updated.

The ultimate destination of such initiatives might be a world in which no-one ever needs to look up a rule in a handbook again. These exciting developments pose significant opportunities to the Financial Services and Tech industries, including cost reduction and reducing the likelihood of missing regulatory change. However, these solutions also pose risks which need to be understood and addressed before they can be effectively used.

 

Speakers:  Rachel Kent

                    Emily Reid

Applications will be opening soon

For tickets holders only

10:30 - 11:30
Lloyds Banking Group

Applications to attend will be opening soon.

For ticket holders only.

10:30 - 11:30
To be confirmed

For tickets holders only

10:30 - 11:30
Allen & Overy: IPOs – forget what you think you know

A recent survey of UK start-ups found that only 16% of start-ups view an initial public offering as their likely path to exit, with a whopping 55% viewing acquisition as the long-term goal. With the UK keen to encourage “scale-ups” and the long term growth of both our technology and FinTech markets – is this the best that we can do?

The London Stock Exchange and Allen & Overy have teamed up to offer a workshop on “going public”.  We’ll consider when companies should be thinking about an IPO, what the options are for going public, how the process works, and how to navigate issues that are particularly relevant for FinTechs, including getting yourself prepared for tough scrutiny of your regulatory model.

 We’ll break the workshop out into small groups to give participants a chance to drill down into the issues that really matter to them, with experts with the right track record to be able to answer tricky questions.  We’ll also spend time considering how receptive the markets are to FinTechs and how important it is to have a strong communications strategy to support your listing plans

Apply here

For tickets holders only

12:00 - 13:00
DataRobot: Disrupting FinTech with Automated Machine Learning

DataRobot, the world’s leading automated machine learning platform, will be hosting a roundtable to discuss the future of artificial intelligence and machine learning in the FinTech industry. The roundtable will focus on how the traditional task of underwriting financial products has been disrupted by leveraging the power of parallel processing, cloud computing, and machine learning. Leaders from the advanced analytics community will be brought together to talk about emerging use cases for machine learning within the FinTech industry and how new technologies will be applied to these challenges.

 

Moderator: Justin Dickerson

Panelist: Yvonne Cooper

Apply here

For tickets holders only

12:00 - 13:00
To be confirmed

For tickets holders only

12:30 - 18:00
Pitch360

This year IFGS will feature the inaugural demo day: Pitch360 – an afternoon of startup pitches on day two of the summit.

Pitch360 is a platform for startups to make a 360-second (6 minute) pitch in front of the global FinTech community.

Hosts

Edie Lush

Executive Editor, Hub Culture

Mike Sigal

Partner, 500 Startups

Monty Munford

Founder, Mob76

Judges

Brett King

Speaker, Startup Founder, Bestselling Author, Radio Host

Kosta Peric

Deputy Director, Financial Services for the Poor at Bill & Melinda Gates Foundation

Maria Gotsch

President and CEO at the Partnership Fund for New York City

Rumi Morales

Executive Director and Head, CME Ventures at CME Group

Find out More

14:00 - 15:00
Leathwaite: Structuring Your Executive and Non-Executive Team to Maximize Business Growth

When to hire, who to hire and what roles to hire for are the key questions we will answer within this roundtable to help your business successfully navigate through the different stages of growth and development.

This session is ideal for FinTech founders who are seeking the answers to building a sustainable executive and non-executive human capital strategy.

Apply here

For tickets holders only

14:00 - 15:00
Level39: Getting big Quick- The opportunities for scale-ups

Level39’s Ben Brabyn and the CEO of a rapid-growth business will be on-site providing advice for current and future entrepreneurs. Hear from both entrepreneurs about the ups and downs of growing a FinTech company, and the particular requirements of scaling businesses. In this open Q and A style session, Ben and the startup CEO will also be setting out some simple guidelines for any stakeholder involved in a fast-growing startup.

Register Interest

For tickets holders only

15:30 - 16:30
Freuds: FinTech Comms Masterclass

A bespoke, intimate session for entrepreneurs, founders and CEOs.

Work with PR and communications experts from Freuds, Innovate Finance’s strategic communications partner, to hone and refine your messaging, and gain valuable tips on how to pitch to media, and what FinTechs should be doing from a media perspective.

Freuds is the strategic communications partner of Innovate Finance.

Working together with our technology team Brew, who provide communications guidance to some of the most innovative tech companies across the UK and US, we offer strategic counsel to help shape and scale brands.

 

Speakers:    Ryan Larnach, PR strategist, Freuds
                      Monica Sondhi, Director, Brew

 

Apply here

For tickets holders only

15:30 - 16:30
Prophet: Relevance: The Secret Pillars of FinTech Business Success

Global growth consultancy Prophet has identified four pillars of relevance that play a critical role in the success of companies across categories, and our recent research has applied this to FinTechs.

The bottom line is that success in FinTech is about a lot more than the marriage of “Fin” and “Tech,” and this discussion will reveal what FinTech leaders have identified as the key ingredients to success in the category.

Please join us as Prophet President Rune Gustafson leads a panel of startup and momentum FinTechs and senior innovators from global enterprises. This promises to be a lively debate, and one which just may prompt you to change the way you develop your businesses.

 

Speakers: Rune Gustafson, President EMEA & APAC, Prophet Brand Strategy

 

Register Here

For tickets holders only

Select date to see events.

Agenda Themes

IFGS 2017 has a packed agenda addressing the key topics driving the global FinTech ecosystem.

Click on the icons below to find out more about each theme.

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AI And Fintech

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Alternative Lending

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Blockchain

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Capital Markets

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Cyber Security

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Challenger Banks

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Digital Currencies

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Diversity

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InsureTech

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Payments

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Regulation And Policy

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Robo Advisor