The European Retail Banking Summit

OPENING ADDRESS: THE CUSTOMER AND THE CHANGING MOMENT OF TRUTH
New channels, traditional values

The seemingly unstoppable rise of social media and the mobile internet is causing profound changes in the way consumers behave, not to mention a challenge for retail delivery strategy and the management and acquisition of customer information. What does this mean for the European retail banking industry and how should it respond? What role can social media play in rebuilding trust between company and customer?

Ian Morgan, Industry Leader, Finance, Google UK
Peter Stringham, Chief Executive Officer, Young & Rubicam Group

THE ECONOMICS OF BANKING
What has been the impact of the credit crisis and the economic recovery on Europe’s financial services industry and what does the future hold for the region’s banking industry? A leading economist unpicks the key economic trends that will shape the future of banking.

Patrick Foley, Chief Economist, Lloyds Banking Group

EIU Global growth and demographic outlook:
IN SEARCH OF GROWTH
Where’s hot and where’s not

The Economist Intelligence Unit advises major companies around the world on the key economic and political trends influencing global business. This session will outline the EIU’s view on the world economy, how Europe will fare and identify those markets where financial institutions may find the greatest opportunity.

Robert Ward, Director, Country Publishing, Economist Intelligence Unit

THE DYNAMICS OF DEMOGRAPHICS
How your markets will change

How are customers and their habits changing? A look at the changes that can businesses expect over the next 20 years and what changes in demographics mean for you.

John Bowler, Director, Country Risk Service, Economist Intelligence Unit

THE REGULATOR'S VIEW: Drawing the new regulatory landscape

Understanding the intention behind regulation often reveals new insights that business can use to inform strategy. In this session, a regulator and the UK’s consumer ombudsman review the latest round of regulatory changes to understand what might be in store and the future regulatory landscape that banks will have to operate in – have sufficient lessons be learnt from the financial crisis. And are shifting patterns of consumer behaviour being taken into account as the regulatory roadmap is re- drawn?

Martin Merlin, Head of Financial Services Policy and Relations with the Council,
European Commission
Philip Reading,  Director, Financial Markets Stability and Bank Inspections,
Oesterreichische Nationalbank

THE BANKER'S VIEW: How do strategies and banking models need to change?

Faced with a new landscape an expert panel of bankers and advisers map out their views of where banking may seek to compete. How will banks find competitive advantage? How can complex financial services organisations manage the challenge of change while repairing their relationships with customers and reducing operational costs?

Alessandro Decio, Head of Family and SME Division, UniCredit
Brett King, Author, Bank 2.0
Bert Pijls, Head of Business Development and Re-Engineering Europe, EMEA Consumer, Citi

THE NEW SOCIAL BANK
A rock and a hard place? Not necessarily

The era of unregulated capitalism is over. Banks are increasingly expected to acknowledge their social responsibilities. They benefit from the business of managing money, but how can they demonstrate that they also benefit the societies in which they operate. With the new regulatory changes afoot – is this possible? And is regulation unwittingly changing the marketplace and how consumers think about and access finance?

This session looks at the role of finance in societies, such as improving access to finance to identify new ways this can be tackled. Is this where that much cherished asset – trust – might be won back?

TRANSFORMING BANKING THROUGH TECHNOLOGY

New technology and a financial crisis transformed payment products from a once esoteric, back-office function, to a product at the cutting edge of modern retail banking. But what new products and disruptive technologies are around the corner? Is a completely virtual banking relationship now feasible?

A select group of payments start-ups, new entrants and industry innovators give their perspective on the opportunities and challenges to existing banking service providers.

Narciso Perales, Head of Corporate Development, Bankinter
Steve Perry, Executive Vice-president, Commercial Development, Visa Europe
Nigel Shadbolt, Head of Web and Internet Science Group, University of Southampton; Open Data Adviser to UK Government

BRAND: RETHINKING LANGUAGE, RE-GAINING TRUST

The cornerstone of banking – credit – is based on a simple premise: trust in the customer. With many customers now questioning whether trust in their bank has been misplaced, this session will explore how language can profoundly change a bank, and change how it’s perceived.

Charli Matthews, Trainer and Writer, The Writer

BUILDING YOUR BANK AROUND THE CUSTOMER

Lower technology costs and cash-strapped consumers are proving powerful market forces that are changing the way retail financial services are delivered. What does the future hold for consumers? Are retail bankers ready for a dramatic transformation of their business?

A high profile group of bankers and financial service providers give their view of the challenges and opportunities in the new consumer era.

Laszlo Bencsik, Deputy Chief Executive Officer, OTP Bank
Joe Garner, Head of UK Retail Bank and Deputy Chief Executive, HSBC Bank plc
Renier Lemmens, Vice-president and General Manager, PayPal Europe

X BANK

We are fascinated about what a different kind of retail bank would look like. So we decided to build one with you

We have convened a panel of experts from regulation, branding, technology, and strategy consulting to help you build a new type of bank for the future.

Part I - YOUR NEW BANK

We asked each of our experts to research the challenges and opportunities that their area of expertise presents for retail banks.  They will each deliver the findings of their research, highlighting the key issues that a new bank should address. Throughout this session we will turn to the audience to discuss and vote upon the key success factors for building a new bank of the future.

Omar Ali, Partner, Banking, UK Financial Services, Ernst & Young
Ije Nwokorie, Managing Director, Wolff Olins, London
Joshua Reich, Co-founder and Chief Executive Officer, BankSimple
Monica Woodley, Senior Editor, Thought Leadership, Economist Intelligence Unit

Part II - TABLE DISCUSSIONS

Audience members will discuss the broader implications of the future of retail banking while refreshments are served.

CLOSING SPEECH: CROSSING ALL THE CHANNELS

A dizzying array of channels, touch-points and delivery options keeps many a retail banker awake at night. How do the world’s smartest retail banks operate profitable businesses under highly regulated, ever more competitive conditions and restore confidence in their strength to win back customers?

S Todd Maclin, Chief Executive Officer of Retail Banking and Chief Executive Officer of Commercial Banking, JPMorgan Chase

• What type of bank does the customer want to see?
• How can a bank rebuild trust – and how should this be represented through their organisation?
• How can banks start to make these changes?
• What disruptive technologies are on the horizon?
• What opportunities might regulation create?
• What can other industries teach us?

But we wanted to put them into action. After the discussions, our experts will unveil a new retail bank for Europe: X Bank.  

Attendees will have the opportunity to investigate, critique and contribute to the X Bank concept with input from the event's speakers.

We will then use this to build a prospectus document for X Bank, available to download and keep after the event. Your own blueprint for the retail bank of tomorrow. 

• Omar Ali, Partner, Banking, UK Financial Services, Ernst & Young
• Ije Nwokorie, Managing Director, Wolff Olins, London 
• Josh Reich, Co-founder and Chief Executive Officer, BankSimple
• Monica Woodley, Senior Editor, Thought Leadership, Economist Intelligence Unit

Ernst & Young can help you to transform your retail bank to respond to today’s and tomorrow’s complexities. We have the necessary regulatory understanding, customer insight and banking operations knowledge. By leveraging our global network of professionals from banking and beyond, we can provide you with the advice needed to make the critical decisions to be a “winner of the future.”

For more information please visit www.ey.com/banking

The European Banking Federation aims to achieve the single market in financial services.

Set up in 1960, the European Banking Federation (EBF) is the voice of the European banking sector (European Union & European Free Trade Association countries). The EBF represents the interests of some 5000 European banks: large and small, wholesale and retail, local and cross-border financial institutions.  It co-operates with 13 associates, from other European countries.

The EBF at a glance:
-    50 years of interest representation
-    almost 5000 banks
-    31 countries, EU & EFTA
-    Over 2.3 million employees
-    Wholesale and retail banks
-    Local, national and cross-border financial institutions

The European Payments Council (EPC) is the coordination and decision-making body of the European banking industry in relation to payments. The purpose of the EPC is to support and promote the Single Euro Payments Area (SEPA). The EPC consists of 74 members representing banks, banking communities and payment institutions.

SEPA is an EU integration initiative in the area of payments. In SEPA, bank customers can make electronic euro payments within and across 32 countries under the same basic rights and obligations. SEPA is currently defined as consisting of the EU 27 member states plus Iceland, Norway, Liechtenstein, Switzerland and Monaco.

For further information visit www.epc-cep.eu.

Published in partnership with the European Banking Federation in May and November of each year, Future Banking is sent to over 12,000 C-level executives across Europe in the Financial Services industry, this report aims to tackle the key issues at the forefront of the minds of today’s Financial Services leaders, from the increasingly regulated market and the need for banks to update their ageing Core Banking Systems, through to managing risk and enhancing the customer experience.

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Please note:
* Your payment must be received prior to attendance.
** Discounts cannot be combined
*** Your registration fee includes refreshments, lunch and your conference materials.

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