FinovateEurope 2019: Find the Next Big Thing

Over 1000 fintech professionals joined us in London for FinovateEurope 2019. We saw the best of the Europe’s fintech through unique, short-form demos and learned from expert speakers on banking, regtech, payments, customer experience, investech, open banking and AI.

We’ll see you next at FinovateSpring, returning back to San Francisco this May 8 – 10. Find out more about our demoing companies, our expert roster of speakers, and our cutting-edge agenda.

Welcome to Day Four of FinovateEurope

Today is our special FinovateEurope Summit Day. For those interested in an especially deep dive into fintech’s most critical topics, Day Four of FinovateEurope is for you. Today we focus on two issues that many believe will define the future of financial technology: the rise of artificial intelligence and the promise and potential of open banking.

Our agenda for Friday will consist of two tracks running simultaneously: our Open Banking Summit in East Mall 2, and our AI Summit – sponsored by Personetics – in East Mall 3. Be sure to check out the Day Four tab on our FinovateEurope page for more information on individual speakers for each session.

0815 Registration, Continental Breakfast, and Networking

Open Banking Summit

  • 0900 Chair’s Opening Remarks
  • 0910 What Lies Ahead for Open Banking, and What Do You Need to Be Thinking About?
  • 0935 Reshaping the Industry: Maximizing the Strategic Opportunities Afforded by Open Banking
  • 1005 Building and Using APIs at Scale: What New Horizons Are Opening?

AI Summit

  • 0900 Chair’s Opening Remarks
  • 0915 Achieving Transformational Outcomes with an AI Strategy: Leading Perspectives on Business Implementation
  • 0950 AI: We Can All Talk the Talk, But Can We Walk the Walk?

1025 Morning Break and Networking

Open Banking Summit

  • 1100 How Open Banking is Changing Financial Systems, and Comparisons with Markets Outside the EU
  • 1120 The Clash: CX In Conflict in Open Banking
  • 1140 Delivering a Better, More Holistic Customer Experience Using Open Banking: Meeting Customers’ Expected Needs

AI Summit

  • 1110 Deep Dive: Harnessing the Power of Small Data in an Era of Social Media – The Future of Personalization
  • 1130 AI in Practice: Personalization of Offerings and Designing New, Tailored Services

1200 Lunch & Networking

Open Banking Summit

  • 1315 Open Wealth Case Study: Looking Beyond Open Banking to the Broader Future of Savings
  • 1330 Working with Fintechs And Non-Banking Institutions: How Partnerships are Being Transformed
  • 1400 The Data Dimension: How Will the Data Generated from Open Banking be Analyzed and Understood?

AI Summit

  • 1315 Case Study: Enterprise-wide Business Transformation Using AI
  • 1345 Real Application Showcase: The Potential of Machine Learning: A Spotlight on Use Cases

1400 Afternoon Break & Networking

Open Banking Summit

  •  1450 Case Study: Leveraging Open APIs for Better Customer Experience
  • 1510 Global Trends: Mapping Out the Context of Open Banking
  • 1530 Early Adoption and Early Advantage: How to Make the Most of Open Banking

AI Summit

  • 1450 Customer Engagement in the AI Age: Attracting and Retaining Customers, and Making Banking More Customer-Oriented
  • 1520 Lessons Learned: Incubating AI and RPA Startups

1550 Closing Remarks and End of Conference

Welcome to Day Three of FinovateEurope

Happy Valentine’s Day to lovers of fintech innovation everywhere!

The demos are done and the Best of Show trophies have been awarded. That means it’s time for our fintech experts to take the stage and help put into context many of the technologies we’ve seen over the past two days of FinovateEurope.

Here’s our agenda for Day Three.

0800 to 0840 Registration, Continental Breakfast, & Networking

0840 to 1045 General Session

  • 0840 Chairman’s Opening Remarks with Dave Birch, Global Ambassadfdor, Consult Hyperion
  • 0845 Opening Keynote: The NeuroGeneration – How a New Era in Brain Augmentation is Revolutionizing the Way You Think, Work, Lead, and Live with Tan Le, founder and CEO, EMOTIV
  • 0915 Easy Come, Easy Go: The Disruption of Loyalty with Russell Pert, U.K. Head of Industry, Financial Services, Facebook
  • 0935 The Evolution of the Third Era of Commerce with Giulio Montemagno, Head of Europe, Amazon Pay
  • 0950 Living and Breathing Agility: How to Emulate Digitally Native Companies
  • 1015 Analyst All-Stars Session
  • 1035 An Update on the FCA Sandbox: Fostering Innovation and Enabling Collaboration

1050 to 1115 Morning Break and Networking

  • 1050 Fireside Chat with Tan Le
  • 1050 Fireside Chat – In Response to the FCA Sandbox Update

1115 to 1235 Streams

  • The Changing Face of Banking
  • Technology in Practice
  • The Future of Regtech
  • Analytics and User Empowerment

1235 to 1330 Lunch and Networking

  • 1300 VC Lunchtime Panel: The Finance and Fintech Trends Getting Investment

1330 to 1435 General Session

  • 1330 Digital Transformation – Culture, Collaboration, and Competition – featuring Benoit Legrand, Chief Innovation Officer, ING
  • 1350 Q&A – Becoming a Unicorn Challenger Bank: OakNorth’s Journey to Profitability
  • 1405 Open Banking, Democratization of Data, And You: The Disruptive New Era of Customer Engagement
  • 1420 The Blurring of Identity Proofing & Authentication

1440 to 1545 Streams

  • The Changing Face of Banking: Challenger Bank Focus
  • Product Innovation and the Customer Experience
  • Innovation in Payments
  • Investech and Wealth Management Innovation

1545 to 1610 Intermission, Refreshments, and Networking

1610 to 1735 General Session

  • 1610 The Final Countdown: Best Practices in Onboarding Innovation
  • 1640 Breaking Banks Power Hour Chat: It’s Happening! Live Podcast – featuring Jim Marous, JP Nichols, and Brett King
  • 1730 Chair’s Remarks and Close of Conference

We’re looking forward to an exciting day of insightful discussion and debate on some of the hottest topics in fintech. Thanks for joining us!

Welcome to Day Two of FinovateEurope

The second day of FinovateEurope is here! After a great kickoff to this year’s annual European conference, we’re back at London’s Tobacco Dock Wednesday morning for what promises to be another great day of live demos of the latest in financial technology.

Here’s what we’ve got planned for Day Two. More information on our demoing companies is available on our FinovateEurope website.

0800 – 0915 Registration, continental breakfast, networking

0915 – 1030 Demo Session #5

1030 – 1115 Intermission with Refreshments & Networking

1115 – 1230 Demo Session #6

1230 – 1345 Lunch & Networking

1345 – 1500 Demo Session #7

1500 – 1545 Intermission with Refreshments & Networking

1545 – 1700 Demo Session #8

1700 – 1830 Reception & Networking – Plus our Best of Show award ceremony!

Registration opens at 0800 tomorrow morning with our Remarks from the Chair beginning at 0840.

Welcome to Day One of FinovateEurope

FinovateEurope kicks off today at the Tobacco Dock in London, U.K. The Tobacco Dock is located on Wapping Lane, at St. Katharine’s & Wapping, London E1W 2SF.

Registration opens at 0800, and the first demo begins at 0915. If you are hoping to attend FinovateEurope this year, but haven’t yet registered to save your spot, then know that our ticket window is open and we’d love to have you join us.

Here’s what’s on the schedule for Day One. Our detailed agenda for today is available on the FinovateEurope website.

0800 – 0915 Registration, continental breakfast, networking

0915 – 1030 Demo Session #1

1030 – 1115 Intermission with Refreshments & Networking

1115 – 1230 Demo Session #2

1230 – 1345 Lunch & Networking

1345 – 1500 Demo Session #3

1500 – 1545 Intermission with Refreshment & Networking

1545 – 1700 Demo Session #4

1700 – 1830 Reception & Networking

Winners of our Best of Show award will be announced tomorrow.

Door opens at 0800 again tomorrow morning, with the first demo session starting at 0845.

FinovateEurope Lands in London

Where can you find 1,200 fintech fans, 120 fintech experts, 64 innovative fintech companies, four days of fintech demos and discussions, and one digital graffiti wall?

The answer, my friend, is not blowing in the wind. It’s right here at London’s Tobacco Dock for FinovateEurope 2019!

Today is rehearsal day, which means that our demoing companies are busy putting the finishing touches on the live demonstrations that will fill the first two days of FinovateEurope. Rehearsal day also means that we’re less than 24 hours away from the start of the show, and if you haven’t picked up your ticket yet, there’s no better time than the present to visit our registration page and save your spot.

And remember that on Day Three, FinovateEurope will transition from live fintech demos to live fintech discussion and debate. We’ll have more than 100 industry experts and professionals taking on every aspect of financial technology – from AI and the blockchain to digital transformation and open banking.

If you are an old Finovate hand who has not yet experienced this new feature of our conferences, then you are in for a real treat. Check out the Day Three agenda for yourself; there is truly something for everyone.

We shared some conference notes and need-to-knows yesterday. For a quick refresher: FinovateEurope begins Tuesday, February 12 and continues through Thursday, February 14 – with a special Summit Day on Friday, the 15th. Our venue this year is London’s Tobacco Dock, a historic facility in the city’s Docklands area of the East End. It is located on Wapping Lane, at St. Katharine’s & Wapping, London, E1W 2SF.

Registration begins at 0800 on Tuesday, Wednesday, and Thursday, with Friday’s registration beginning at 0815.

Once you arrive at the venue – and grab a cup of tea or coffee and a sample of our continental breakfast – be sure to join our FinovateEurope community on our Knect3655 event app. Download the app from your preferred App Store, then search for “FinovateEurope” to access features like, our audience participation solution; our Best of Show voting dashboard; our networking platform Brella; our attendees list; conference agenda and much more.

If you have any questions, including any challenges working with the app, please send us an email at, and we’ll be happy to help.

In the meanwhile, our demoing companies have a few more practice runs to go before rehearsal day is done. We hope you’ll join us this week. Travel safe – and we’ll see you at the dock!

FinovateEurope: Fintech Talk at London’s Tobacco Dock

FinovateEurope 2019 kicks off this week here in London, U.K. And for the second year in a row, FinovateEurope has a new home in England: London’s famous Tobacco Dock. We’re hoping that you’ll be able to join us this week for what promises to be three days (plus an additional summit day on Friday) of innovative fintech demos, insightful keynotes, and deep dive breakout sessions.

To help ensure you make the most of the event, here are a few last minute notes and need-to-knows.

Save Your Spot!

Registration for FinovateEurope is still open! If you haven’t picked up your ticket, run – don’t walk – to our registration page to make sure you don’t miss a minute of this year’s event. Group, government, and startup discounts are available. Contact us at for information on government and regulatory entity discounts. For more information on startup discounts, email us at

Location! Location!

FinovateEurope moves to London’s Tobacco Dock this year. Located in London’s growing enterprise zone and just one stop on the DLR from Bank, Tobacco Dock is close to the Tower of London and only a few kilometers from Tech City and London’s Financial District. Tobacco Dock is on Wapping Lane, St. Katharine’s & Wapping, London, E1W 2SF.

Timing = Everything

Registration on Tuesday morning begins at 0800, and the first demo starts at 0925. Both coffee and a continental breakfast will be provided, so be sure to arrive a little early, pick up some refreshments, and join us in the main hall.

On Thursday, registration begins at 0800, with our Chairman’s opening remarks – courtesy of Dave Birch, Global Ambassador with Consult Hyperion – starting at 0840, and our opening keynote beginning at 0845 – featuring Tan Le, founder and CEO of EMOTIV. On Friday, registration begins at 0815, with opening remarks from our Chairs begin at 0900. Opening keynotes begin at 0910 for the Open Banking Summit and at 0915 for the AI Summit.

Live Demos and Deep Dive Discussions

Both Tuesday and Wednesday will feature four live demo sessions each for a total of 64 scheduled demos. Get to know our demoing companies ahead of time via our FinovateEurope 2019 demos page, and then learn a little more about them in our FinovateEurope 2019 Sneak Peek series.

On Thursday, we bring the experts to the stage to discuss some of the most important technology trends in fintech. We will begin with an opening address and opening keynote, and then proceed to a variety of main stage addresses and panels on topics including e-commerce, innovation and collaboration, and digital transformation. Thursday will also feature streams on subjects such as challenger banks, blockchain technology, the the democratization of data, and the role of augmented intelligence in chatbot technology.

And remember we will also hold a special Summit Day on Friday with two streams: one dedicated to Open Banking, and the other focused on AI. For more information on how to attend our Friday Summit Day, check out our registration page. Discounts are available for attendees purchasing tickets to all four days of FinovateEurope 2019.

As you can see, there’s a whole lot going on at FinovateEurope this year. We look forward to seeing you this week here in London at the Tobacco Dock!

Have a question about FinovateEurope? Check out the FAQ section on our FinovateEurope 2019 page, or send us an email at

DSwiss, Digital Safes, and the Principles of Privacy By Design

Ahead of FinovateEurope in London next week, we talked with Tobias Christen, CEO of Zurich, Switzerland-based DSwiss, about his company and its flagship digital safe technology that supports the long-term secure, safe-keeping of personal files and passwords.

DSwiss was founded in 2008 and most recently demonstrated its technology at FinovateEurope 2018.

Finovate: Banks offer an adapted version of your digital safe directly from their online banking portals. But why would people want to save passwords and files with their bank?

Tobias Christen: A recent PwC-survey concluded that banks are amongst the most trusted organizations when it comes to privacy and cybersecurity, outranking healthcare providers, nonprofits, and online retailers. This only confirms our own experience: Increasingly, people are looking for a trusted partner that can help them keep important data safe. Banks are really well-positioned to act as that partner because of their long history as custodians of wealth.

The study also revealed that only 10% of consumers feel they have complete control over their personal information. In my opinion, that’s because they started out making the mistake of saving everything with companies whose business model was to sell data. There’s nothing wrong with using social media, iCloud or Google Docs but we’re seeing a growing understanding that not all data is made equal. Some documents are worthy of a superior protection – copies of ID papers, financial documents and passwords for example – and people are really looking for a safe alternative to store such data.

This is where a digital version of the bank safe seems like a very logical place to go. People feel safer storing essential data here because the business model of banks is not based on selling customer data but rather on their ability to keep such assets safe.

Finovate: How do you keep up with consumer demands and ensure that the digital safe stays relevant to them?

Christen: We’ve had a two string approach to that. On the one hand, we develop and market our own B2C solution called SecureSafe, which has more than 1 million users. Being behind our own B2C solution gives us direct access to highly valuable user feedback. Due to the popularity of such services as Dropbox, SecureSafe users started asking for more advanced file sharing and sync capabilities. We responded with secure sharing and encrypted sync functionality.

On the other hand, we’ve established a highly collaborative approach to the digital safe. Since our first private and cantonal bank clients joined us in 2009, DSwiss experts have joined forces with banks to develop strategic features that fit their particular needs. In 2011, we started to work on a patented single sign-on technology to allow for smooth integration of digital safes in online bank portals. eDelivery for the safe transfer of bank documents directly to clients’ safes followed soon after. After entering our first collaboration with a major bank in 2015, we’ve been able to speed up the collaborative product innovation.

Our latest innovation combines original meta-data that is passed along with documents (or requests) and data that is extracted with rule-based and machine-learning-based algorithms. This might sound very technical, but at Finovate London 2019 we’ll show you how it makes onboarding for a mortgage a lot faster and easier for bank clients. Ultimately, this feature makes any interaction between bank advisor and end-client user-centric. This fosters customer loyalty and helps a bank stand out to prospect clients.

Finovate: How do you keep up with security demands from your bank clients?

Christen: Banks have always been focused on a particularly high level of security and are understandably cautious when it comes to collaborating with fintechs. However, DSwiss was built on the principles of privacy by design from the get-go. We’ve employed zero knowledge architecture, double encryption and triple data redundancy since the very beginning. In particular, our zero knowledge architecture takes the confidentiality protection, which banks generally implement, to the next level. Throughout the years, we’ve been so fortunate as to work with banks of all sizes, both private and retail. That has enabled us to build up a lot of experience with the specific regulations that concern banks, such as GDPR.

Finovate: According to you, what are the biggest challenges to online security and privacy protection today?

Christen: In the old days, cyber criminals were quite often isolated individuals with limited financial resources. They were principally motivated by curiosity, pride or revenge. Today, the offenders are mostly motivated by economical perspectives and they are often engaged by governments. This means that we increasingly see well-organized and well-founded groups at work.

Watch DSwiss and dozens of other innovative fintech companies demonstrate their latest technologies live at FinovateEurope 2019, 12-14 February at the Tobacco Dock in London, U.K. For more information, including how to buy your ticket and save your spot, visit our registration page today.

Beyond AI: Brain Augmentation and the Future of Interfaces

The keynote addresses at Finovate conferences are more than just an opportunity to catch up on the coolest conversations in fintech.

From author Tim Urban, who delivered a thrilling presentation on AI and the prospects for superintelligence, to futurist Rohit Talwar who discussed the relationship between AI and the future of work, our keynotes help put fintech in the larger context of some of the most impactful technological trends of our time.

This year at FinovateEurope will be no exception. For our opening keynote, we will feature Tan Le, founder and CEO of EMOTIV, for a conversation on artificial intelligence, brain augmentation, and more that you won’t want to miss.

Check out this excerpt from her TedGlobal presentation from 2010.

Communication between people, on the other hand, is far more complex and a lot more interesting because we take into account so much more than what is explicitly expressed. We observe facial expressions, body language, and we can intuit feelings and emotions from our dialogue with one another. This actually forms a large part of our decision-making process.

Our vision is to introduce this whole new realm of human interaction into human-computer interaction so that computers can understand not only what you direct it to do, but it can also respond to your facial expressions and emotional experiences. And what better way to do this than by interpreting the signals naturally produced by our brain, our center for control and experience.

EMOTIV is a bio-informatics and technology firm, founded in 2011 in Australia and currently headquartered in San Francisco, California. The company develops and manufacturers wearable electroencephalogy (EEG) products designed for a variety of use cases: from enhancing performance and well-being to supporting brain controlled technologies to helping businesses conduct consumer research.

In her presentation at FinovateEurope next weekThe NeuroGeneration – How the New Era in Brain Augmentation is Revolutionizing the Way You Think, Work, Lead, and Live, Le will explain how automation and AI can serve as allies en route to a new, extended, augmented human organism.

To catch Le’s presentation – and several more insightful takes on the role of technology in our lives – be sure to join us at FinovateEurope 2019 next week at London’s Tobacco Dock. For more information, including how to pick up your ticket and reserve your spot, visit our registration page today.

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Finovate Forecasts: Our Experts Talk Fintech in 2019

Mirror, mirror, on the wall. What fintech future does 2019 have in store for us all?

We posed the question to a handful of fintech experts who will be driving the conversation at FinovateEurope in London, U.K., on February 12-14.

Here’s what they had to say about the themes and trends that will dominate fintech this year.

And remember there’s still time to save your spot and join us for what promises to be our most exciting FinovateEurope to date!

Aurélie L’Hostis, Senior Analyst, Forrester

AI is set to disrupt business models, change operating models, and reimagine customer experiences in financial services. But like all other new technologies like big data and cloud computing, AI still requires hard work. Financial services executives must prepare their organizations for change and take a strategic approach to AI.

Join Aurélie as she provides key insights into digital business strategy as part of our Analyst All-Stars Session on February 14 at FinovateEurope.

Giulio Montemagno, General Manager, Amazon Pay, Europe

Since the emergence of digital, commerce has been in a state of transformation, first with e-commerce and then with the rise of mobile came m-commerce.  We’ve gone from typing and touching to swiping and now to talking, each mode of interaction has gotten progressively easier for the consumer. What could be more simple or intuitive? More personal than a conversation?

With the rapid adoption of voice across multiple use cases and devices, commerce may well be the next frontier. It can make the complex simple—it’s the most natural and convenient user interface. Today, we are in the very early stages of the third era–voice commerce–a powerful medium that will transform our day-to-day lives and how we purchase. Central to emergence of voice is building connected experiences for customers so they can interact and transact where, when and how they want–their choice, and at their convenience.

Join Giulio as he discusses The evolution of the third era of commerce on February 14 at FinovateEurope.

Benoit Legrand, Chief Innovation Officer, ING

Our 2019 prediction would be that 2019 will be the year of hyper personalization where financial ecosystems parties (BigTechs, FinTechs, incumbents) will combine advanced AI techniques with the (new) access to personal banking data provided by PSD2 APIs and beyond.

2019 will also be the year where DLT initiatives will move from pilot to scaling in the more mature use cases (i.e trade finance).

Join Benoit as he presents our afternoon keynote Digital transformation – culture, collaboration, and competition on February 14 at FinovateEurope.

Juliette Souliman, Early Stage VC Investor, Octopus Ventures

I think payment control will be at the heart of 2019 fintech innovations. With non-cash transactions increasing at the highest growth rate in the last decade, it is crucial to ensure a strong level of control over those new cashless and seamless payment experiences.

Hence, Octopus Ventures will be closely monitoring the newest players in the cyber security and anti-fraud prevention sectors – from robotic process automation, advanced ML, to biometrics solutions.

Join Juliette as she discusses the finance and fintech trends that getting investment during our Lunchtime VC Panel on February 14 at FinovateEurope.

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