The current cost of living crisis has underlined the need for our financial services industry to innovate and push forward solutions that better serve the consumer - enabling greater access to better products at a lower cost, for everyone. The FinTech sector has been a key driver in this change, and it is now more important than ever before that we continue this positive momentum. In doing so, we must also ensure that we are building responsible, sustainable and purpose-led businesses as we scale and grow as an industry - this will be fundamental to the continued successful growth of our sector. At the third edition of our annual FinTech as a Force for Good Forum, we will explore FinTech’s expanding role in supporting consumers through the current economic uncertainty as well as FinTech’s ability to help drive forward the wider ESG agenda, while examining how we can ensure our companies scale responsibility.
An 
Forum
The Power of FinTech: Creating a More Sustainable and Inclusive World for All
Thursday 5th October 2023
East Wintergarden 43 Bank St, London E14 5NX
Innovate Finance member companies will be allocated two complimentary places to the event. Please contact your account manager to receive a code to activate your free tickets.
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An Introduction
But creating positive, sustainable change isn’t enough
While the overall impact of financial services on the environment can be both wide-reaching and hard to accurately measure, the FinTech and financial services sector has the opportunity to take a position of global leadership, and to create plans, processes, and policies that will shape the future to come. If we don’t take action now, the cost of inaction will be far greater.
We are embarking on the third edition of ‘FinTech as a Force For Good: an Innovate Finance Forum’ this year, showcasing the power the sector has in creating real change, right now.
Morning Agenda
08:30-9:30
Registration
09:25–09:30
Opening by Host
Rashee Pandey, Associate Director - Growth & Membership, Innovate Finance
09:30–09:35
Opening Remarks
Janine Hirt, CEO, Innovate Finance
From Yesterday to Tomorrow: FinTech Driving Positive Change for All
09:35–09:45 Fireside Chat
The Future in Credit: Supporting customers towards a positive financial future
The Zilch mission and vision; Cost of living crisis: how the company is supporting vulnerable customers.
Philip Belamant, CEO & Co-Founder, Zilch
Janine Hirt, CEO, Innovate Finance (mod.)
09:45–09:55 Keynote
Supporting Innovation to Build a Better Financial Services System
Regulation has a key role to play to support innovation from the Financial Services industry and allow access to new financial services to consumers
Ravi Bhalla, Head of Department, Innovation, Financial Conduct Authority
09:55–10:15 Panel Discussion
Measuring Up: Has FinTech Delivered?
Has the rise of FinTech truly changed financial services for the better? Are consumers better off now than they were a decade ago? What more must we do now to ensure a fairer and more democratic Financial Services system in the future?
Robin Brattel, CEO, Lab 1
Graham Cressey, Director, Accenture Fintech Innovation Lab, Accenture
Heather Cobb, SVP Member Engagement, Tide
Lesley Li, CEO & Founder, U Impact
Kimberley Abbott, CEO & Founder, Vested Impact (mod.)
10:15–10:35 Panel Discussion
The Cost of Living Crisis: Innovating to Support Those in Need
A deep dive into how the FinTech ecosystem is stepping up to help individuals and businesses navigate this period of economic turbulence. How can we fully unleash the potential of FinTech to help even more consumers? What role must government and regulation play?
Sharon Evans, General Counsel, TotallyMoney
Clare Moriarty, CEO, Citizens Advice
Andrew Rabbitt, CEO & Co-Founder, Incuto
Chris Skinner, Industry Advisor & Author, The Finanser
Tom Bull, Partner, Head of FinTech Growth - UK Financial Services, EY (mod.)
10:35–11:00 Panel discussion
Empowering the Future: Driving Greater Financial Resilience and Wellness for a New Generation of Consumers
What does the customer of tomorrow look like? How are shifting demands, expectations, and needs driving new business models?
Stevan Bajic, CEO, Manigo
Nicky Goulimis, Co-Founder & COO, Novacredit /Co-Founder, Tunic
Louise Hill, CEO & Co-Founder, GoHenry
James Robinson, Managing Director of Consumer Interactive, TransUnion
Caroline Siarkiewicz, CEO, Money and Pensions Service (mod.)
11:00–11:10 Keynote
Scaling Climate Tech: Partnership Through Network
An ecosystem is needed to transform sustainable commerce
Stephen King, Vice President, Sustainability Solutions, Visa
Morning Break
Partnering to Put the Consumer First
11:30–11:45 Fireside Chat
Innovating with Heart: The FinTech Pledge 2025
A case study of the campaign to drive 10 million actions that improve consumers' financial resilience by 2025.
Justin Basini, CEO & Co-Founder, ClearScore
Jaidev Janardana, CEO, Zopa
Michelle Highman, CEO, The Money Charity (mod.)
11:45–12:10 Panel Discussion
Working Together Towards a Brighter Future: The Power of Industry Partnerships
Hear firsthand from the innovators on how collaboration is changing financial services for the better and allowing public benefit at scale.
Rob Fairfield, COO, Liberis
Alasdair Haynes, CEO & Founder, Aquis Exchange
Rosemary Stone, Chief Business Development Officer, Swift
Nick Young, Chief Strategy & Insights Officer, Leeds Building Society
Amy French, Director, Level39 (mod.)
12:10–12:20 Fireside Chat
Achieving outstanding outcomes for consumers: the power of little and large partnerships
Proving that size really does matter, financial services giant Scottish Widows is working with agile Fintech Moneyhub to leverage cutting-edge APIs to help their customers make the most of their financial future. Find out how this partnership came about and why it's working well.
Kim Jenkins, Managing Director, Moneyhub
Phil Allen, Digital Channel Servicing Product Owner, Lloyds Banking Group
Victoria Roberts, Director, Victress Communications (mod.)
12:20–12:40 Panel Discussion
Open Banking: The Future Is Now
What's next for Open Banking in the UK? Are we keeping pace globally? How can we drive forward adoption to benefit the end consumer and facilitate wider use cases?
James Hickman, COO, EcoSpend
Adam Jackson, Director of Policy, Innovate Finance
Robert Kerrigan, General Counsel, TrueLayer
Marion King, Chair & Trustee, OBL
Ellie Hewitt, Director, Payments Consulting, KPMG (mod.)
Lunch
Afternoon Agenda
Harnessing New Technology for Good
13:30-13:40 Keynote
The Ethics Revolution: Enhancing Technology for Good
Michael Mainelli, Alderman and Executive Chairman, City of London and Z/Yen
13:40-14:00 Panel Discussion
Cutting through the Hype: How to make AI work for the consumer?
An exploration into this transformative technology and its potential to unlock increased financial wellness.
Maeve Heneghan, Lead of Marketing Strategy, AWS
Nina Kerkez, Senior Director, Market Planning, LexisNexis
(Prof.) Markos Zachariadis, Founding Director, Centre for Financial Technology Studies (CFTS), University of Manchester
Sue McLean, Co-Chair FinTech Practice, Partner in IP, Data and Technology, Baker McKenzie (mod.)
14:00–14:10 Keynote
Google Sustainability and the Role of AI in Climate and Climate Finance
AI is playing a crucial role in the fight for a more sustainable world. Why is the opportunity for climate action now and how is Google responding with its technologies? Hear how Google Cloud is harnessing AI to work with clients and partners to accelerate climate action.
Justin Keeble, Managing Director of Global Sustainability, Google
Responsible Scaling
14:10-14:35 Panel Discussion
Shaping the Next Generation of Financial Services: Reflecting the People We Serve
Ensuring proper governance and a positive, inclusive culture as we grow our companies is a nonnegotiable for the continued success of our industry. Hear from innovators and leaders who are paving the way in responsible scaling and developing diverse teams.
Simone Maini, CEO, Elliptic
Mark Mullen, CEO, Atom Bank
Derren Powell, VP of Business Development (FinTech), Mastercard
Tom Shave, Head of Growth, Evelyn Partners
Joanne Dewar, Ambassador, The Payments Association (mod.)
14:35-15:00 Panel Discussion
Staying True to Your Roots: Scaling with Purpose
The secrets to doing well by doing good - tangible advice from successful companies balance the demand for growth and profitability with their commitment to put customers first.
Nick Aldridge, CEO, PayPal Giving Fund
Nithish Kulkarni, Financial Services Practice Lead, UK & Europe, WNS
Sharon Miles, COO, OakNorth Bank
Vian Sharif, Head of Sustainability, FNZ
Jon Wedge, Partner, Financial Services, BKL
Shân Millie , Founder, Bright Blue Hare (mod.)
Afternoon Break
The Path To Net Zero
15:35-15:45 Fireside Chat
Project Perseus & Bankers for Net Zero
An overview of Project Perseus and what it means for industry and consumers. What commitments are financial services companies making to help reach their climate goals? How do these measures contribute to making a better world for all? And how are FinTechs playing a key role in reshaping climate goals measurements?
Gavin Starks, CEO, Icebreaker One
Stephen Dury, VP (Innovation, FinTech, Strategy & Sustainability), Capgemini (mod.)
15.45-16:05 Fireside Chat
Investing for Impact: Funding Positive Growth
The economic turbulence has caused VC money to dry up across all sectors. How do we identify and drive more capital into new companies that are truly transforming financial services for the better? And how do we better support underrepresented founders?
Hannah Gilbert, ESG Senior Manager, British Business Bank
Dan Graf, CEO & Co-Founder, Earthchain
Tim Levene, CEO, Augmentum FinTech
Eric Van der Kleij, Co-Founder, EdenBase
Bryony Widdup, Partner, Finance & FinTech Partner, Hogan Lovells (mod.)
16:05–16:30 Panel Discussion
Greening the Capital Markets
How environmental objectives are being incorporated into the UK's capital markets?
Hugo Davies, Chief Capital Officer, LendInvest
Julia Hoggett, CEO, London Stock Exchange
Anand Sambasivan, Co-Founder & CEO, PrimaryBid
Mike Carter, Head of Platform Lending, Innovate Finance (mod.)
16:30–16:55 Panel Discussion
Decarbonising Payment And Data Systems
In exploring how financial innovation can help create a more sustainable future, it is critical that FinTech also look at its own emissions: the energy and water impact of data storage and data processing - often in the cloud and managed by suppliers. In parallel, how do we help consumers make payments and change spending habits to drive decarbonisation across the value chain?
Alex Craven, Co-Founder, DataCity
Emma Kisby, CEO, Cogo
Simon Rendall, Product Manager, Electronic Payments, Lloyds Banking Group
Humza Samad, Project Leader (Payments, Web3), BCG (mod.)
Going Global: The UK Driving the Charge for Change
16:55–17:20 Panel Discussion
Cooperation Across Borders: Working together for a Better World
How can we - industry, government, and regulators - cooperate at a global level and harness innovation and technology in Financial Services to create more opportunities for more people all over the world?
Leiming Chen, Senior Vice President | International Public Policy and Government Affairs, Ant Financial
Flora Coleman, Global Director of Policy and Government Relations, Klarna
Kerstin Mathias, Policy & Innovation Director, City of London Corporation
Tom Winstanley, CTO & Head of New Ventures, NTT Data
Dan Jones, Partner, Orrick (mod.)
17:20–17:30
Closing Remarks
Lou Smith, Chair, Innovate Finance
Morning Agenda
08:30-9:30
Registration
09:25–09:30
Opening by Host
Rashee Pandey, Associate Director - Growth & Membership, Innovate Finance
09:30–09:35
Opening Remarks
Janine Hirt, CEO, Innovate Finance
From Yesterday to Tomorrow: FinTech Driving Positive Change for All
09:35–09:45 Fireside Chat
The Future in Credit: Supporting customers towards a positive financial future
The Zilch mission and vision; Cost of living crisis: how the company is supporting vulnerable customers.
Philip Belamant, CEO & Co-Founder, Zilch
Janine Hirt, CEO, Innovate Finance (mod.)
09:45–09:55 Keynote
Supporting Innovation to Build a Better Financial Services System
Regulation has a key role to play to support innovation from the Financial Services industry and allow access to new financial services to consumers
Ravi Bhalla, Head of Department, Innovation, Financial Conduct Authority
09:55–10:15 Panel Discussion
Measuring Up: Has FinTech Delivered?
Has the rise of FinTech truly changed financial services for the better? Are consumers better off now than they were a decade ago? What more must we do now to ensure a fairer and more democratic Financial Services system in the future?
Robin Brattel, CEO, Lab 1
Graham Cressey, Director, Accenture Fintech Innovation Lab, Accenture
Heather Cobb, SVP Member Engagement, Tide
Lesley Li, CEO & Founder, U Impact
Kimberley Abbott, CEO & Founder, Vested Impact (mod.)
10:15–10:35 Panel Discussion
The Cost of Living Crisis: Innovating to Support Those in Need
A deep dive into how the FinTech ecosystem is stepping up to help individuals and businesses navigate this period of economic turbulence. How can we fully unleash the potential of FinTech to help even more consumers? What role must government and regulation play?
Sharon Evans, General Counsel, TotallyMoney
Clare Moriarty, CEO, Citizens Advice
Andrew Rabbitt, CEO & Co-Founder, Incuto
Chris Skinner, Industry Advisor & Author, The Finanser
Tom Bull, Partner, Head of FinTech Growth - UK Financial Services, EY (mod.)
10:35–11:00 Panel discussion
Empowering the Future: Driving Greater Financial Resilience and Wellness for a New Generation of Consumers
What does the customer of tomorrow look like? How are shifting demands, expectations, and needs driving new business models?
Stevan Bajic, CEO, Manigo
Nicky Goulimis, Co-Founder & COO, Novacredit /Co-Founder, Tunic
Louise Hill, CEO & Co-Founder, GoHenry
James Robinson, Managing Director of Consumer Interactive, TransUnion
Caroline Siarkiewicz, CEO, Money and Pensions Service (mod.)
11:00–11:10 Keynote
Scaling Climate Tech: Partnership Through Network
An ecosystem is needed to transform sustainable commerce
Stephen King, Vice President, Sustainability Solutions, Visa
Morning Break
Partnering to Put the Consumer First
11:30–11:45 Fireside Chat
Innovating with Heart: The FinTech Pledge 2025
A case study of the campaign to drive 10 million actions that improve consumers' financial resilience by 2025.
Justin Basini, CEO & Co-Founder, ClearScore
Jaidev Janardana, CEO, Zopa
Michelle Highman, CEO, The Money Charity (mod.)
11:45–12:10 Panel Discussion
Working Together Towards a Brighter Future: The Power of Industry Partnerships
Hear firsthand from the innovators on how collaboration is changing financial services for the better and allowing public benefit at scale.
Rob Fairfield, COO, Liberis
Alasdair Haynes, CEO & Founder, Aquis Exchange
Rosemary Stone, Chief Business Development Officer, Swift
Nick Young, Chief Strategy & Insights Officer, Leeds Building Society
Amy French, Director, Level39 (mod.)
12:10–12:20 Fireside Chat
Achieving outstanding outcomes for consumers: the power of little and large partnerships
Proving that size really does matter, financial services giant Scottish Widows is working with agile Fintech Moneyhub to leverage cutting-edge APIs to help their customers make the most of their financial future. Find out how this partnership came about and why it's working well.
Kim Jenkins, Managing Director, Moneyhub
Phil Allen, Digital Channel Servicing Product Owner, Lloyds Banking Group
Victoria Roberts, Director, Victress Communications (mod.)
12:20–12:40 Panel Discussion
Open Banking: The Future Is Now
What's next for Open Banking in the UK? Are we keeping pace globally? How can we drive forward adoption to benefit the end consumer and facilitate wider use cases?
James Hickman, COO, EcoSpend
Adam Jackson, Director of Policy, Innovate Finance
Robert Kerrigan, General Counsel, TrueLayer
Marion King, Chair & Trustee, OBL
Ellie Hewitt, Director, Payments Consulting, KPMG (mod.)
Lunch
Speakers
Join us at FinTech as a Force for Good
Join us as we welcome FinTech founders, financial services institutions, policy-makers and regulators, NPOs and NGOs, professional services firms, investors, and international hubs for a one-day impact summit.
Senior leaders from across the industry will discuss and debate key problem areas facing society and together develop an action plan with tangible outputs that showcase how the sector can help create and support a fairer, greener, and more sustainable world for all.
