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CADA
www.cada.co.za
Credit and Decision Analytics Conference2018
ROOKIE
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ELITE
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You might have noticed that on your lanyard you have a badge.
To celebrate our new and returning delegates, we’ve created badges indicating how many CADA events they’ve attended.
Compuscan welcomes our
newest delegates who are attending CADA for their 1st time; while they are Rookies, we value their attendance and hope to walk a journey of many CADAs with them.
While not new to CADA, our
Novice delegates have obviously caught the CADA bug and are thus joining us for a 2nd year of learning, networking and great fun.
We understand that time is a
precious commodity amongst delegates; that said, we’d like to thank those Elite delegates who have taken the time to attend 3 CADA conferences.
To celebrate our loyal delegates
and biggest fans who have attended all 4 CADA Conferences, we bestow on them the title of Legend and hope to see them at many more conferences.
BadgesRecognising our delegates
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Contents
To better engage with our delegates, and encourage networking and conference participation, we’ll be contacting you through the Whova App. Feel free to participate in the discussion forums, polls, or connect with fellow delegates.
If you haven’t yet downloaded the Whova App, please visit your phone’s App Store, download the app and search for 2018cada to find this year’s conference.
Should you have any difficulties, please contact one of the organisers.
We will be preserving and broadcasting the key messages of our conference though our Conference TV station in the foyer. We encourage all the speakers to please go to the TV station after your presentation, so we can record a 1 minute summary of your message. Delegates are also welcome to come and have a say.
Have you installed the Whova App?
Conference TV
Important Information ............................................................... 4
Welcome ..................................................................................... 5
Conference Overview ................................................................. 6
Your Facilitators ......................................................................... 8
Conference Day 1 ....................................................................... 10
Conference Day 2 ....................................................................... 51
CADA History .............................................................................. 66
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Important InformationHosts, Organisers and Contact Points
Your Hosts
Remo LenisaChief Executive Officer, Compuscan Group
Pete van HeerdenManaging Executive, Scoresharp
Frank LenisaChief Marketing Officer, Compuscan
Thabo HermanusManaging Director, Compuscan Group
Mike ReillyChief Information Officer, Compuscan Group
Conference ManagersStacey Jansen 083 638 3380 Celeste Katts 082 881 9738
Welcome to CADA
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Welcome to the 2018 Credit & Decision Analytics Conference.
Year on year, data increases exponentially. As technology improves, we see an influx of new data, but as data increases, we need new technology to make sense of it.
The Credit & Decision Analytics Conference is about taking what has happened in the past, making sense of data, learning about tech and applying them to gain insight into future trends.
We’ve searched for top-quality speakers with industry-relevant knowledge and experience that will educate you and provide you with valuable insights. Sessions will be facilitated by industry-renowned speakers, tech and business experts, Michael Jackson and Ryan Hogarth.
CADA is also an exceptional platform for professionals working in the financial and retail sectors in Southern Africa and beyond to exchange knowledge, practical experiences, trends, developments, best practices and networking. We know you will enjoy and learn from our intense but insightful range of topics while enjoying the surroundings and amenities Fancourt has to offer.
Have some fun and experience data with us at the 2018 Credit & Decision Analytics Conference.
Kind regardsYour Hosts from Compuscan and Scoresharp
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08:00 Conference registration starts08:00 Activities to kick off12:00 Lunch, drinks and networking (Club Lounge)18:30 Welcoming dinner (Club Lounge)
Arrival day5 September 2018
06:00 - 07:45 Breakfast (La Cantina)13:10 - 14:10 Lunch (La Cantina)07:45 Conference starts19:00 Dinner (Monets Restaurant)
Day 26 September 2018
06:00 - 08:30 Breakfast (La Cantina)08:30 Conference starts12:00 Conference closing12:00 Closing lunch (La Cantina)
Day 37 September 2018
Conference OverviewExperience, network, learn and have fun!
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Activities
Mountain BikingAmateur or professional, come and enjoy a ride in the mountains – no kit needed.Activity leader: Dirk Lombard - 082 759 2206
Gin TastingSip away on delicious gins in a laid-
back and informative tasting session.Activity leader: Francois Finlay - 082 874 8553
GolfEnjoy 18 holes at one of two prestigious golf courses.Activity leader (Links): Pete van Heerden - 082 779 4321Activity leader (Outeniqua): Paul Andrews - 082 565 6797
Cooking ClassLearn secrets of the trade for you to try at your next dinner party from a master chef.
Activity leader: Frank Lenisa - 082 920 0455
MassageUnwind and let yourself be pampered with a relaxing massage.Activity leader: Celeste Katts - 082 881 9738
Your FacilitatorsEnergetic Tech & Business Experts
Michael has over 30 years of experience. Born in Britain, educated in London, and trained in business strategy development and communication, he has personally worked for business leaders such as Richard Branson and Bill Gates, as well many leading global businesses such as Qatar Airways, HP, Goodyear and Barclays. Today, Michael is internationally sought after as a professional speaker and has also become globally renowned as a specialist on the subject of change in a business context. He has carved out an enviable reputation as one of the best business-to-business speakers and facilitators on the global professional circuit by speaking at around 160 conferences and seminars a year since 1990, across Africa, Asia, Europe, the USA and the Middle East; to audiences ranging from factory workers to Heads of State. He is consistently rated by his clients, conference organisers and audiences alike as ‘simply outstanding’ for the way he creates and delivers powerful messages – woven with personalised individual company and industry business messages to precisely suit every audience. Michael has the ability to consistently and successfully predict and detail changing market performances, trends and consumer behaviour with unerring accuracy for companies, industries and markets around the world – and all while motivating his business audiences to perform to a better personal standard.
Michael Jackson
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The author of the recently published “How to Win Influence & Friend People”. He has spent the last 5 years immersing himself in the world of social media, mobile and general technology to understand how these have caused the seismic shift in business thinking we have seen in the last decade. He maintains a regular blog and has written for Die Beeld, Meetings SA, BusinessTech, Franchise Warehouse, Skyways, Human Capital Review & Shop-SA. He has worked with such clients as Ernst & Young, IBM, ITWeb, General Motors, FNB and Telkom. As a sought-after speaker on change, communication and social business, Ryan has expert knowledge of the changing face of business being created by mobile technology, social media and eBusiness; not just as marketing tools but the impact on Human Resources as well as risk and privacy implications brought by the social generation. Some of the largest companies have employed Ryan to help provide insight into the new, fertile, as yet unexplored environment of social business.
Ryan Hogarth
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Day 1Let’s get started!
Start End Topic Speaker
07:45 08:00 CADA Opening & WelcomingRemo Lenisa, Michael Jackson & Ryan Hogarth
Economics for Financial Services
08:00 08:40 Economic and Political Outlook of Financial Services for 2018 and Beyond Annabel Bishop
08:40 08:50 Q&A Panel Discussion
Cutting Out the Noise Around Financial Technology
08:50 09:10 Fintech Trends and Pointers to Success for Financial Services Firms Paul Mitchell
09:10 09:50 Bitcoin, Cryptocurrency, and Blockchain Benefits for Financial Services Firms Simon Dingle
09:50 10:10 The World of Open Banking Dmitry Drabkin10:10 10:20 Q&A Panel Discussion10:20 10:50 Coffee Break (Foyer)10:50 11:10 The Future of Digital Identification Technology David Thomas
11:10 11:30 The Application of Internet Chat Bots for Financial Services Firms Craig McLeod
11:30 11:40 Q&A Panel Discussion
Credit and Analytics for Financial Services
11:40 12:00 Profit Optimisation in Credit Xolani Nkosi & Louis Pienaar
12:00 12:20 Analytics to Improve Debt Counselling Payment Collection Ratios Benay Sager
12:20 12:40 Improving Debt Recovery Agent Performance with Effective Analytics Marius Smith
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12:40 13:00Unsecured Lending Adaptation in a Changing Credit Industry and The Role of Informal Lending
Theunis Van Rensburg
13:00 13:10 Q&A Panel Discussion13:10 14:10 Lunch (La Cantina)
Leveraging the Power of Alternate Credit Data14:10 14:40 Alternate Data Safari Jacobus Eksteen 14:40 15:00 Find Credit - Mobile Lending Solution Gary Brown 15:00 15:20 Tenant Score Using Rental Payments Data Louw Liebenberg15:20 15:40 SME Information Sharing Karl Westvig 15:40 15:50 Q&A Panel Discussion15:50 16:20 Coffee Break (Foyer)
Law and Regulation for Financial Services Firms16:20 16:40 The Proposed Draft Prescription Bill and its
Impact on The Credit IndustryMichelle Kelly-Louw
16:40 17:00 The Practical Impact of The Cybercrimes Bill on Financial Institution
Lisa Emma-Iwuoha
17:00 17:20 Must I Comply With GDPR? John Giles
17:20 17:40 Direct Marketing Under POPIA: Q&A John Giles & Lisa Emma-Iwuoha
17:40 17:50 Q&A Panel Discussion
17:50 18:00 Conference Wrap Up Day 1 Michael Jackson & Ryan Hogarth
Dinner at Monets - 19:00
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Economics for Financial Services
Economic and Political Outlook of Financial Services for 2018 and Beyond
Annabel is presenting the expected medium-term business cycle forecast, while also analysing structural changes and emerging trends in the economy, including GDP growth, consumption spending, fixed investment, inflation, interest and exchange rates. In addtion, Annabel will highlight the impact of the rising political risks on the economy.
Annabel Bishop joined Investec in 2001, and has worked in the macroeconomic, risk and econometric fields for around 25 years. Annabel is the holder of the Sake/Beeld Economist of the Year title for 2010 and has won numerous monthly Reuters Econometer awards, and various Focus Economics (Economic Forecasts from the World’s Leading Economists) categories for correctly forecasting a range of economic variables. She has authored a wide range of in-house and external articles, published both abroad and in South Africa. She has also lectured at Gibbs, the University of Pretoria, Wits, UJ and other academic institutions, and has presented at various national and international conferences.
Annabel BishopChief Economist, Investec
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Notes
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Cutting Out the Noise Around Financial Technology
Fintech Trends and Pointers to Success for Financial Services Firms
Technology presents many wonders but with the rapid rate at which tech changes, it’s difficult for financial services firms to keep up. Paul shares insights into the latest trends in fintech and how companies can successfully implement them to stay on top.
Paul began his career as a civil engineer in London, then moved to a large consultancy, managing large programmes. He moved to Cape Town in 1998 and joined a small strategy firm. In the first IT boom, he joined a middleware startup, 10 years before “The Lean Startup” was published, trying to work things out on the fly. When he didn’t become an IT billionaire, he went back to strategy consulting, running a boutique strategy firm focused on financial services. He joined PwC in 2012 and is now the Fintech and Blockchain lead for PwC in South Africa. He advises both corporates and startups, and focuses on blockchain and its impact across industry.Paul is married with 3 children and outside of work you may find him running on the mountain or experimenting with his homebrew.
Paul MitchellFintech and Blockchain Lead, PWC Consulting
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Notes
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Bitcoin, Cryptocurrency, and Blockchain Benefits for Financial Services Firms
Bitcoin, cryptocurrency, blockchain... What does it all mean? On the one hand, they are seen as buzzwords, but on the other hand, they point to important forces in the information and financial services industries. To help you make sense of it, Simon Dingle will debunk the myths surrounding Bitcoin and blockchain, and outline what the new era of money means for you and your business.
‘In Math We Trust: The Future of Money’ is the title of Simon’s brand new book, and he says, “it is the future of everything!”Money is the second most important societal invention after language and it underpins every part of our daily lives. Blockchain technology and the invention of triple-entry accounting is believed by many to be a more important invention than the internet itself, as it has the opportunity to usher in a new age of decentralised governance. Having worked first-hand with blockchain technologies since 2011, Simon Dingle explains in his presentation “What is money?”, what Bitcoin is and how it works, what smart contracts mean for business and society, and how this new invention could transform every part of our modern world. Simon hosts a weekly technology show on 5fm and regularly appears on local and international television and radio shows including Tech News Today and The Money Show. He recently featured in the Mail & Guardian’s Top 200 Young South Africans list. Simon works with companies at the forefront of this movement and reveals what lies ahead.
Simon DingleCEO, Inves Capital
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Notes
The World of Open BankingOpen Banking is the use of open APIs, provided by financial institutions, used by third-party providers to build applications and services around consumers financial information.
Dmitry Drabkin is a co-founder at truID, a leading banking API developed from the ground up in South Africa. With just a few lines of code, truID enables secure, real-time access to South Africa’s largest banks. truID is an innovative platform that gives consumers control of their data and enables innovation across the financial spectrum. Before founding truID in 2016, Dmitry performed financial audits on some of South Africa’s largest companies in Energy and Natural Resources and Financial Services. After KPMG, Dmitry was a part-time tax lecturer and co-founded DVG Investment Group which is a specialist financial and tax consulting practice. Dmitry completed his accounting honours at the University of the Witswatersrand and subsequently qualified as a Chartered Accountant (SA).
Dmitry DrabkinCo-founder, TruID
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Notes
The Future of Digital Identification TechnologyFraudulent identification documents cost the financial, retail, and related industries trillions of dollars a year. The manual identification systems, currently used by most companies, are laborious, costly and sensitive to human error or additional criminal activity. David Thomas will highlight how digital identification technology will help now and in the future.
David Thomas is the co-founder of ThisIsMe, South Africa’s premiere identity verification platform. ThisIsMe allows individuals to protect and provision their identity while aiding banks and other accountable institutions with their KYC and Due Diligence requirements. A self-confessed tech-junkie, David has gained invaluable experience in the tech arena, and has held senior technical roles in the Real Estate, Tourism and the Gaming industries. Having identified the need for solid customer verification as a consistent thread throughout his career, David started ThisIsMe with Juan Furmie in 2014.
David Thomas Co-Founder & Head of Product, This Is Me
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Notes
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The Application of Chat Bots for Financial Services Firms
The huge increase in active online users means financial services firms have experienced high volumes of requests. Traditionally, to address this issue, companies use call centres, which are costly, have high employee turnover and aren’t always reliable – depending on the agent. Craig’s solution is chat bots! Using the latest in human-computer interaction technology, these bots handle the mundane tasks that bog down call centres, freeing your employees to do the tasks computers can’t – yet!
Craig McLeod is on a mission to educate companies about the revolutionary technology of Machine Learning Chat Bots and the value it can add to a company. He has 13 years’ exposure to the telecommunications space, specifically around call centre software solutions and implementations. He has successfully contributed to the deployment of multimillion rand solutions around South Africa. Traditionally working in the technical department and then heading up consulting sales teams, Craig has had extensive exposure to technology over the years and is currently working as Operations Director for a Machine Learning Company called GotBot.
Craig McLeodOperations Director, GotBot
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Notes
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Credit and Analytics for Financial Services
Profit Optimisation in Credit
One of the most difficult challenges for a company is pricing, especially in the credit industry which carries the burden of debt. Pricing in the lending industry needs to take into account what the consumer is willing to pay, limitations regulated by legislation, and whether or not the pricing is optimised for the lender’s profit margins. Xolani and Louis discuss the dynamic between pricing and optimisation in the credit industry.
I grew up in a small mining town in Mpumalanga called Ermelo. Life was simple with all the coal mining activities in the area that inspired me to pursue a degree in Mechanical Engineering after completing my matric in 2005. Doing my degree in the city (University of Pretoria) raised interest in the field of finance and I knew I will have to attain such experience later in my life. However, having studied engineering for four years, I had to do justice to the engineering degree. I joined the petrochemical industry as an engineer working for Sasol in Secunda, Mpumalanga for almost five years. Two years ago, although it feels like a decade already due to the fast paced work in the industry, I joined African Bank as a Credit Analyst.Outside work I enjoy spending time socialising. I also enjoy the company of my family and our 4-year-old son’s never ending energy.
Xolani NkosiManager, Pricing and Profitability, African Bank
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Notes
Louis studied at the University of Pretoria where he completed BComm Investment Management and a BComm Hons Investment Management degrees. He spent 18 Months working for Liberty as a Financial Advisor and 18 Months as a Strategy Analyst at Edcon before moving to African Bank in 2016 as a Credit Analyst. At African Bank, he has proven himself to be valuable as an analyst and grown his portfolio from Affordability initially as an analyst to now managing the Risk and Underwriting portfolio. During his time at African Bank, Louis has been part of several credit policy adjustments that have led to major improvements in the overall level of risk within the bank’s book, as well as maintaining, and in some instances increasing overall sales.Outside of work, Louis enjoys spending time with family and friends. He is an avid hiker and enjoys spending time outdoors.
Louis Pienaar Manager, Pricing and Profitability, African Bank
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Notes
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Analytics to Improve Debt Counselling Payment Collection Ratios
Through the use of predictive analytics, Benay is talking about improving debt counselling payment collection ratios by reducing non-payments before they occur, and improving recovery of missed payments after they occur.
Benay Sager is the Chief Operating Officer of Intelligent Debt Management (IDM) Group, SA’s largest debt management company. IDM owns multi-award winning debt counselling companies DebtBusters and Consumer Debt Help. Benay is responsible for managing all operational aspects of IDM, is a key member of the executive team, and provides strategic vision, direction and management to the group companies.Prior to joining IDM in 2013, Benay was an Associate Principal at McKinsey & Company, a global management consulting firm, where he worked for six years. While at McKinsey, he primarily worked on Strategy and Operations projects in Financial Services, Energy, and Mining industries across three continents. Prior to that, Benay worked in the USA in a variety of industries, including paper, electronics, and biotechnology. Benay’s educational background includes a Master of Business Administration, Ph.D. and M.S. in Mechanical Engineering, all from the Georgia Institute of Technology in Atlanta, GA, USA. As part of his Ph.D. work at Georgia Tech, Benay was involved in the development of 3D printing technologies for healthcare applications, for which he was co-awarded a U.S. Patent. He still follows 3D printing closely, is a self-declared data geek and loves solving problems.
Benay Sager COO, IDM Group
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Notes
Improving Debt Recovery Agent Performance with Effective Analytics
By using big data techniques combined with voice analysis to analyse a huge volume of call data, important business insights are obtained. Marius presents how voice analytics can help enhance the performance of call centres by providing insights that reduce call time and repeat calls, provide information about customer satisfaction and competitive intelligence, reduce churn by predicting at-risk customers, improve quality monitoring, and provide targeted coaching to individual employees by analysing their particular performance. Marius will also provide an overview of how analytics and technology work for those analytically minded delegates.
Marius Smith is the Chief Operations Officer at the Nimble Group and heads up Consumer Operations. He has been with the group since 2009.Marius Smith is also the past president of ADRA (for 2016 & 2017) and currently sits on the Board of Directors for ADRA.
Marius Smith Chief Operations Officer, Nimble Group
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Notes
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Unsecured Lending Adaptation in a Changing Credit Industry and the Role of Informal Lending
The credit industry is perpetually changing due to regulatory amendments, socio-economic fluctuations and changes in consumer behaviour. Arguably, the unsecured lending industry is effected by these factors more so than any other. We look into how the market has changed and the challenges that come with it, as well as the role informal lending has to play in the South African credit industry.
Theunis Jansen van Rensburg is the Head of Credit at Wonga Finance SA. With the credit environment ever changing, the credit lifecycle of the customer is dynamic and sometimes volatile. Theunis is responsible for leading the credit strategy through the entire credit life cycle of the customer in order to maximise access to credit within an acceptable risk appetite.Previously, Theunis worked as a data scientist using all types of data to predict, inform and analyse all aspects of the business. This data focused narrative continues throughout the business, as all strategic decisions are based on sound and innovative analytics and modelling techniques.Theunis holds two B.Sc. Honours degrees, one in Financial Mathematics and another in Statistics from the North-West University.
Theunis van RensburgScoring Head of Credit, Wonga
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Notes
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Leveraging the Power of Alternate Credit Data
Alternate Data Safari
South Africa has great depth and breadth of ‘traditional’ credit bureau data.However, there are still many consumers who struggle to access financial services due to limited information, based on this data.Join the drive for financial inclusion during which we investigate the potential benefits and challenges of diverse ‘alternate’ data sources such as deeds, CIPC, rental, educational, psychometric, mobile and internet data.
Jacobus has a degree in Financial Risk Management from the University of Stellenbosch, an M.B.A. from the University of Stellenbosch’s Business School and a certificate in Machine Learning from Stanford University. He has experience in credit risk management from a bureau and credit provider perspective and has developed models and products that address credit risk, propensity, collections, verification of contact data and pay dates.
Jacobus Eksteen Scoring Analyst, Compuscan
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Notes
Find Credit - Mobile Lending Solution
With customers, come risks. Determining the degree of risk is complicated, especially if there isn’t enough industry data on a consumer to establish the risk or predict risky behaviour. Gary presents a solution that uses a range of alternative data sources, to understand the consumer and to apply these scores at the point of application.
Gary is a Business Development Director at Creditinfo and brings more than 10 years of experience in credit risk management, now focusing on psychometric scoring and alternative data usages. Previously Gary worked for one of the UK’s leading credit bureaus, Callcredit Information Group, as a Principle Consultant within the Consultancy and Analytics team. Prior to this Gary worked for the UK’s largest bank, Lloyds Banking Group in a number of risk management roles.
Gary Brown Business Development Director, Creditinfo
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Notes
Tenant Score Using Rental Payments Data
Renting property to those without credit histories is very risky and a difficult obstacle to overcome. Knowing your tenant and their payment history is one of the best indicators of future payment behaviour. Louw tells us how companies can use rental payments as alternate data to obtain a tenant score to predict tenant payment behaviour.
Louw Liebenberg is the CEO of PayProp South Africa, the largest processor of residential letting transactions in South Africa. He has been with PayProp for just over seven years during this time the business grew its turnover four-fold and started its journey towards being a data driven business. With a background in operations, marketing and strategy consulting he has developed a multi-faceted view of the role of data in building a safer and more stable transactional business.
Louw Liebenberg CEO, PayProp
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Notes
SME Information Sharing
Reducing information asymmetry and access to finance is cited as the biggest impediment to SME finance. Karl will be presenting an initiative underway to improve SME repayment information sharing.
Karl Westvig is the Founder and CEO of Retail Capital. The company was established in 2011 to provide businesses with an alternative funding solution to traditional banks and has advanced over R1.5bn to SME businesses in South Africa. Karl is a serial entrepreneur who has founded many businesses including the RCS Group and Direct Axis. He is a member of the Young Presidents Organisation, a Fellow of the African Leadership Initiative and the Aspen Global Leadership Network and Chairs the JAG Foundation, a sport and education charity supporting children in the high-risk areas of Cape Town.
Karl Westvig CEO, Retail Capital
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Notes
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Law and Regulation for Financial Services Firms
The Proposed Draft Prescription Bill and its Impact on the Credit IndustryThe credit industry is sensitive to many factors; one of the biggest factors is regulation and legislation. The proposed draft Prescription Bill has a significant impact on the industry. Michelle explains how the Prescription Bill, which aims to regulate the period of time a debtor is responsible for their debts under certain circumstances, challenges the mechanisms of the credit industry.
Michelle holds a doctoral degree in international banking law. She has published widely in the fields of insolvency law, banking law and consumer credit law and her research has been cited with approval by the South African courts, including the Constitutional Court and the Supreme Court of Appeal. She has received five research awards, including the South African Department of Science and Technology’s award for Distinguished Young Woman Scientist in 2010. She was one of the drafters of the Land and Agricultural Development Bank Act 15 of 2002. She was a member of the Business South Africa’s Task Group on Insolvency Law who investigated the proposed Unified Insolvency and Business Recovery Bill of 2003. She drafted the consequential amendments contained in the National Credit Act 34 of 2005, provided expert advice to the drafting team and also assisted with the drafting of the 2006 regulations to this Act. During 2005, she was one of the initial drafters that worked on proposals for a new South African Deeds Registries Act and Sectional Titles Act. In April 2010, she was appointed by the South African National Treasury and the Department of Cooperative Governance and Traditional Affairs as the drafter of the Financial Misconduct Regulations issued in terms of the Municipal Finance Management Act 56 of 2003 and the Disciplinary Regulations for Senior Managers that were issued in terms of the Municipal Systems Act 32 of 2000. She served on the panel of legal experts for the South African National Treasury and the legal panel of the South African National Roads Agency Limited Property Portfolio. She was a visiting research fellow at the University of Westminster, London (2010) and a research fellow at the Institute of Advance Legal Studies in London (2016). She is the President of the International Association of Consumer Law and a member of various South African and international law journals.
Prof. Michelle Kelly-Louw Professor of Law, Department of Mercantile Law,
University of South Africa
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Notes
The Practical Impact of the Cybercrimes Bill on Financial Institution
The Cybercrimes Bill will have a significant impact on many organisations and individuals. Unfortunately, the impact is mostly negative and frankly quite daunting. It has serious practical implications for everyone, including all internet users. Which is why Lisa is discussing the implications of the Cybercrimes Bill and what it means for your business.
Lisa is an attorney that focuses on a variety of issues related to ICT. She enjoys helping organisations understand what the law requires them to do. She has helped organisations understand the practical effect of various issues, including cybercrimes and data protection. She has also helped organisations with compliance in these areas. Lisa regularly presents on data protection and cybersecurity-related issues.
Lisa Emma-Iwuoha Associate Attorney, Michalsons
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Notes
Must I Comply with GDPR?
The deadline to comply with the General Data Protection Regulation (GDPR) has just passed. People all over the world are rushing to comply and are working hard to implement the required controls. The big question is: do you have to comply with the GDPR? Who does the GDPR apply to? What is the territorial scope of the GDPR? John’s talk will help you understand what GDPR is and if you should be complying with it.
John Giles is a trusted independent professional legal adviser, who is a practising attorney. He is currently helping many organisations understand the practical impact of data protection laws on their organisations. He helps them to comply with data protection laws and implement effective privacy projects. He has also presented over 100 times on the topic to thousands of people. John is an information, communications and technology (ICT) lawyer. He has 20 years of practical experience applying his knowledge to organisations to help them grow and avoid legal problems, difficulties, and disputes.
John Giles Managing Attorney, Michalsons
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Notes
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Direct Marketing Under POPIA: Q&A
The Protection of Personal Information Act (POPIA) has raised many questions across a wide range of industries with regard to how companies can utilise direct marketing techniques within the scope of the new Act. John and Lisa discuss the implications POPIA has on direct marketing and will field questions audience members have regarding the Act and how it affects their marketing strategies.
John Giles Managing Attorney, Michalsons
Lisa Emma-Iwuoha Associate Attorney, Michalsons
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Notes
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Start End Topic Speaker
08:30 08:40 Conference opening Michael Jackson & Ryan Hogarth
Loyalty and Rewards Management: Being Passionate about Customer Experience
08:40 09:00“Sweating” the Loyalty Asset. Turning Rewards Programmes into Key Business Tools to Drive Profitability
Michelle Govindsamy
09:00 09:20 Customer Experience and Rewards Fraser Lamb
09:20 09:40 Staff Behaviour and Reward Programs that Drive Customer Experience Leigh Moon
09:40 09:50 Q&A Panel Discussion09:50 10:20 Coffee Break (Foyer)
Protecting Your Firm from Risks
10:20 10:40 Why and How to Implement PEPs and Sanctions Screening Joel Lange
10:40 11:00Credit Health in the Workplace: Managing People Risk and Contributing to a Fair and Accessible Credit Market
Magauta Mphahlele
11:00 11:20 An Employee Screening Strategy to Manage People Risk Jenny Reid
11:20 11:40 Social Media Screening as a Risk Mitigation Tool. Farhad Bhyat
11:40 11:50 Q&A Panel Discussion
11:50 12:00 Conference Wrap Up and Closing Michael Jackson & Ryan Hogarth
12:00 13:00 Lunch (La Cantina)
Day 2Let’s rap things up!
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Loyalty and Rewards Management: Being Passionate about Customer Experience
“Sweating” the Loyalty Asset. Turning Rewards Programmes into Key Business Tools to Drive Profitability
Loyalty programmes come at a cost. There is an increased need for programmes to derive and demonstrate value via data driven ROI capabilities. Michelle explains how to make your loyalty programme work for you, deriving and demonstrating real ROI, while still keeping the customer at the centre.
Michelle Govindsamy is the Head of Value Management for the Absa Rewards Programme. She is part of the team which launched the Absa Rewards, 5-tiered proposition in 2017 and which continues to enhance the customer offering. Michelle has extensive experience in finance specific to the financial services industry. As a professionally trained accountant, she has held finance roles across the insurance and banking sector. She is passionate about harnessing the power of data and analytics to drive profitability and grow customer loyalty.
Michelle Govindsamy Head: Value Management
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Notes
Customer Experience and Rewards
Are companies doing enough to give their customers the best experience they can? It’s difficult for companies to understand each and every customer’s needs, wants and expectations. If one of these aren’t satisfied, the company risks losing a customer and, due to the viral nature of social media, many more. Fraser is talking about the importance of delivering good customer experiences and rewarding your loyal customers.
Scotsman | South African | Failure | Lieutenant | Electronic Engineer | World Traveller | Lottery Operations Director | MBA | Direct Marketer | Wunderman | Acquirer | Story Teller | GM | Married | Ad Agency Builder | MD | Father | Ad Man | Anti-Usualist | African Trotter | Teacher | CEO | Consultant | Group CEO | Closet Creative Director | Executive Chairman | Network Builder | Ideator | Truth Seeker | Mentor | Integrator | Apprentice | Life Lover | Noticer | Halftime, 51…
Fraser LambExecutive Chairman of Africa & CEO of South Africa,
McCann
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Notes
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Staff Behaviour and Reward Programmes that Drive Customer Experience
Customer acquisition and retention isn’t only affected by your product. Companies struggle to address employee happiness and work satisfaction, which play a significant role in how your customer experiences your company. Leigh will present a way to drive customer experience by implementing programmes that reward staff.
Leigh Moon is the Managing Executive: Client Experience at SA Home Loans, based at their Head Office in Durban, South Africa. Leigh started her Financial Services career at First Bowring and Associates as a Financial Advisor. Leigh subsequently joined NBS and held various key Sales Management positions, and was promoted to General Manager: NBS Retail Sales. As part of the merger between NBS and Peoples Bank (Nedbank), Leigh was appointed as the Key Client Retention Head and succeeded in retaining and growing the Savings, Transactional and Investment Book. Leigh’s last position at Nedbank was as National Sales Manager: where she was responsible for the roll out of the Nedbank Personal Loan Product into the branch network and successfully grew the product. Throughout Leigh’s career in Financial Services she has always had a passion for service delivery. In NBS this culminated in the roll out of the successful NBS Legendary Service Programme. After joining SA Home Loans as General Manager: Client Services, Leigh drew on her experience to develop the unique SA Home Loans Amazing Services Programme. The Amazing Service Programme is fully inculcated into the SA Home Loans culture and has become a key differentiator in the highly competitive home loan market. Amazing Services is about living the core values of Care, Commitment and Communication, both in the lives of clients and staff alike. Leigh in her role as Managing Executive: Client Experience, is responsible for an extensive portfolio including Help Desk Contact Centre for existing Client Servicing, Further Lending Division, Client Service Centre Division, Client Engagement Division and Champion of our Amazing Service Programme. Her portfolio also includes Product and Research.
Leigh MoonManaging Executive, Client Experience,
SA Home Loans
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Protecting Your Firm from Risks
Why and How to Implement PEPs and Sanctions Screening
Day-to-day customers aren’t the only people who pose risks to companies. Politically exposed persons, those entrusted with important public functions, and their acquaintances carry the potential of being involved in bribery and corruption, both of which can impact companies and governments. In his talk, Joel emphasises why it is important to screen for PEPs and sanctions, and how companies can implement such processes.
Joel Lange joins us from Dow Jones’s Risk & Compliance division where he led the business for over 4 years through a period of significant growth with a product portfolio focusing on Anti-Money Laundering, Anti-Corruption and Sanctions Compliance. Mr Lange has over a decade of experience in the compliance and transaction operations industry holding senior sales, product and professional service roles at Dow Jones, Accuity and Broadridge. Mr Lange is a regular speaker on compliance topics at conferences around the world. Mr Lange holds a BA in International Relations from the University of Minnesota and a MSc in International Finance from the University of Westminster.
Joel Lange MD, C6
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Credit Health in the Workplace: Managing People Risk and Contributing to a Fair and Accessible Credit Market
Employee wellness programmes include employees’ financial health as well! Magauta will present how employers are using various interventions to improve employee credit health and in the process, prevent fraud and other behaviours from manifesting in employees.
Magauta Mphahlele is the founder and CEO of Ithuseng Credit Solutions (ICS) which is a 100% female owned private company that is a registered Alternative Dispute Resolution Agent. ICS mediates disputes between credit providers and consumers as well as provides debt management solutions directly to consumers or through their employers. ICS currently has 21 000 employees under its financial wellness program.Magauta is also an accredited Court Annexed Mediator and registered Debt Counsellor. Her extensive experience in credit and general consumer protection spans more than 18 years. The Consumer Protection Act and National Credit Act were conceptualised, consulted on and passed into law under her leadership as the Consumer Law Reform Project Manager at the Department of Trade and Industry.Magauta holds an Honours Degree in Applied Linguistics and a Postgraduate Diploma in English Education from Wits University. She was also a Junior Lecturer at Wits from 1995 to 1998 in the Applied Linguistics Department.Her passion is to ensure a healthy and fair credit and consumer protection market in South Africa through influencing policy and legislation as well as empowering consumers with information about their rights, obligations and options when they are experiencing financial difficulties. She is a respected speaker and commentator on credit and general consumer protection issues.In 2015, she was recognised by the Banking Association for her contribution to their STARSAVER PROGRAMME which is a programme that aims to improve the financial literacy of Primary Schools Learners. Since inception, STARSAVER has reached more than 6 million learners across all South African Provinces.
Magauta MphahleleFounder and CEO, Ithuseng Credit Solutions (ICS)
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An Employee Screening Strategy to Manage People Risk
A company is only as good as the talent they hire. New employees carry unknown risks that could have a significant impact on a company. Jenny will talk about how having an employee screening strategy can help protect employers ensure they hire honest, ethical and dedicated employees.
Jenny Reid is the CEO of iFacts, one of the leading online employee screening and engagement service providers in South Africa today. Based on the premise that, removing the people risk will ultimately help organisations to prosper, iFacts ensures that companies thrive with honest, ethical and productive employees and services providers.In 1995, Jenny joined the security industry at an investigations firm, where she was ultimately appointed as Managing Director. During this time she was also the first woman to ever be appointed as President of the Security Association of South Africa. iFacts started in 2001 and Jenny bought it out 100% in 2009.Never content to rest on her laurels, Jenny has taken the iFacts brand to new heights and is constantly looking for new and innovative ways to ensure that companies maintain true value in their organisation, and enhance that value. Jenny’s strong leadership style and outspoken views on corporate crime and political corruption have made her a highly sought after local and international conference speaker and NLP (Neuro-linguistic programming) coach. She is also part of the Cheri Blair Foundation Mentee Alumni. Jenny is the founder of Adventures for Love, an organisation made up of likeminded women who embark on a number of physical adventures around the globe to raise awareness and funds for various charities and conservation efforts. Jenny lives in South Africa with her husband, Neil.
Jenny Reid Social Media Risk Analyst, iFacts
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Social Media Screening as a Risk Mitigation Tool
All companies carry risks when dealing with customers or business owners. Determining that risk can be difficult for companies without the right tools. Farhad is presenting how social media can be used to help companies screen those with whom they are doing business in order to mitigate risks and avoid the financial implications of those risks.
Farhad is a passionate entrepreneur with deep seeded interest in and knowledge of the modern Social Media landscape. With many years’ experience as a lecturer and 17 years’ high-level Business Development, sales and management experience, Farhad is no stranger to the intricacies and complexities of communication and relationship building. This, in turn, lead him down the path to establish FAROSIAN, South Africa’s first and premier Social Media Assurance company.Farhad has been asked on numerous occasions to speak at various events, most notably for the SABPP while also being a regular contributor to HR Pulse relating to the role of social media in HR and business from a risk perspective. Farhad’s insight and opinion is sought out regularly by various publications such as Moneyweb, Cliff Central, IT News and HR Pulse. Farhad has and is currently working with numerous blue chip organisations (both in South Africa as well as in the United Kingdom and Australia), to improve the HR related social media space through technology innovations which FAROSIAN provides, while also introducing social media risk technology into the credit, insurance and financial services sectors. Farhad has become one of the country’s foremost experts in the area of social media risk mitigation and the use of social media to streamline and improve recruitment, with organisations such as MiE, Lexis Nexis, AON, ADvTECH Resourcing, Cricket South Africa and EOH all currently working with Farhad and FAROSIAN.
Farhad BhyatSocial Media Risk Analyst, iFacts
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Credit & Decision Analytics Conference HistoryThe Credit and Decision Analytics Conference (CADA) was established with the purpose of promoting education and bringing back some fun to our industry. Our story started in 2015 when we delivered an inspirational conference that set the tone for a journey of learning. Each year we’ve built on this success and #2018CADA aims to be bigger and better than before.
2015 Credit & Decision Analytics ConferenceThe 2015 Credit and Decision Analytics Conference was held at Sun City from 9-11 September 2015. Much like a ship navigating the high seas, the credit and finance industry found itself motioned by the winds of change as 2015 proved to be a year in which a number of significant events dictated the future of the South African credit and data industry. Our theme, Navigation, guided us through the customer life cycle.With our MC, Derek Watts, we navigated several topics presented by experts and market leaders in credit referencing, marketing, scoring and modelling, data analytics, consultancy and training services.Motivational global business speaker and private equity CEO, Vusi Thembekwayo, shared his unique sense of humour and empowered the audience you with new knowledge to disseminate throughout their organisations.
2016 Credit & Decision Analytics ConferenceThe 2016 Credit and Decision Analytics Conference was held at Legend Golf & Safari Resort from 7-9 September 2016. The conference presented an array of industry experts and thought leaders from the credit, data, marketing and analytics industries.With a theme that encouraged delegates to Explore, Seek and Discover, the conference sought to unpack the customer life cycle and discover new ways to improve the way in which companies engage and retain their most valuable customers. Business leader and disruptor, Vusi Thembekwayo, engaged the audience as the facilitator and also delivered an awe-inspiring key note on how to drive change.Speakers at the conference included serial entrepreneur and Sorbet-founder, Ian Fuhr as well as alternative data pioneer, Shane Moldenhauer from the Creditinfo Group. MyBucks, Absa, Yellowwood, Payprop Capital and Real People were amongst those who contributed to the conversations.
CADA History
2017 Credit & Decision Analytics ConferenceThe Credit & Decision Analytics Conference of 2017 posed the bittersweet problem of being overbooked, the implications of which almost had the hosts sleeping in tents on the golf course. Held at the beautiful Arabella Hotel and Spa near to Hermanus, #2017CADA hosted almost 200 delegates and speakers. Our energetic tech expert and MC, Ryan Hogarth, lead the conference through 20 topics covering marketing, POPIA, FAS, data science, ‘the costs of crime and financial fraud, SMMEs and financing, and the macro and micro economic trends in southern Africa.On the final day, award-winning financial journalist, Bruce Whitfield, presented a journey through history showing the true upside of risk. His presentation centred around politics, economics and money, and how they interlink.
Each year, our focus has always been on our delegates – bringing them the best industry experts from which to learn and providing a forum through which to network while having some fun with old and new acquaintances.
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Thank you!
We sincerely thank our delegates and speakers for attending and sharing their knowledge, expertise, and time with us.
We truly hope to see you back at CADA 2019.
CADACredit and Decision Analytics Conference20
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