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#EfmaSME19
PARTICIPANT EVENT GUIDE
Enabling connection& inspiring innovation
CCX Forum: Channels & Customer Experience 4 - 5 APRIL 2019 Barcelona www.efma.com/ccxforum19
SME Banking Summit13 - 14 JUNE 2019 Viennawww.efma.com/sme19
World Retail Banking Summit 12 - 13 FEBRUARY 2019 Dubai www.efma.com/dubai19
Retail Banking Summit in Lebanon3 JULY 2019 Beirutwww.efma.com/lebanon19
Learning Expedition in Asia16 - 19 SEPTEMBER 2019 Reserved for AI Executive Certificate participantswww.efma.com/AIExecutiveCertificate
Learning Expedition in London25 - 27 JUNE 2019 Londonwww.efma.com/LElondon19
Bank + Fintech 2 - 3 APRIL 2019 Barcelonawww.efma.com/bankfintech19
Learning Expedition in USA1 - 3 OCTOBER 2019 New York www.efma.com/LEusa19
Retail Banking Summit in Asia6 - 7 NOVEMBER 2019 Singaporewww.efma.com/asia19
DMI Awards Ceremony16 OCTOBER 2019 ParisBy invitation onlywww.efma.com/innovationawards19
Innovation Summit 14 - 15 OCTOBER 2019 Pariswww.efma.com/innovation19
Learning Expedition in Dubai & Abu Dhabi26 - 28 NOVEMBER Dubai & Abu Dhabiwww.efma.com/LEme19
47th Efma Congress17 - 18 OCTOBER 2019 Pariswww.efma.com/congress19
Efma l 10 Boulevard Haussmannl 75009 Paris l France l Tel:+33 1 47 42 52 72 l Fax:+33 1 47 42 56 76 l [email protected] l www.efma.com
NIF/TVA: FR 41 784 856 239 l N° SIREN: 784 856 239 l Code APE: 6619B
EVENTS
Insurance Summit13 - 14 JUNE 2019 Vienna www.efma.com/insurance19
Insurance Awards Ceremony24 JUNE 2019 Amsterdam By invitation onlywww.efma.com/innovationininsurance
SME BANKING SUMMIT OVERVIEW 13-14 JUNE 2019
FRIDAY 14 June 2019
Opening remarks from moderators
Opening remarks from moderators
Cocktail
Lunch
Lunch
8.45
8.45
9.00
9.00
14.15
14.15
11.30
11.30
13.00
13.00
18.00
17.30 End of the conference
THURSDAY 13 June 2019
2 | DISRUPTING KEY SME BANKING FUNCTIONS
2 | IDENTIFYING THE RIGHT BUSINESS MODEL
3 | COOPETITION AND PARTNERSHIPS
3 | FOLLOWING THE CUSTOMERS JOURNEY
1 | ADOPTING AUGMENTED SME BANKING STRATEGY
1 | SME BANKING GROWTH BEYOND FINANCIAL SERVICES OFFERING
15.15 On site visit at Erste Group Campus and Flip Tour
PROGRAM 13 JUNE 2019
1 | ADOPTING AUGMENTED SME BANKING STRATEGY
1 | ADOPTING AUGMENTED SME BANKING STRATEGY
Welcome coffee & registration
Opening remarks from moderators:Jason Storsley RBC Canada & Meaghan Johnson 11:FS UK
PANEL DISCUSSION SMEs in CEE reality check
Ivan Radnai General Manager – Strategy and Business Development NLB Nova Ljubljanska Banka Slovenia& Gergely Tyukodi Senior Manager OTP Bank Hungary& Clemens Mueller Executive Assistant to the Chief Corporates & Markets Officer Erste Group Bank Austria& Slavoljub Dordevic International Head Consumer & Small Business Banking Raiffeisen Bank Austria
8.45
8.00
10.30
Building an effective digital ecosystem for corporate customers. A 4-year case study from Sberbank Helping our SMB’s with daily entrepreneurship must-do’s by introducing 20+ services “beyond banking” Finding the right balance between in-house and partnership solutions Services packaging and delivery Open APIs to integrate vendors and bring seamless UX for customers Next big thing? – monetizing the Ecosystem
Evgeny Kolbin Vice-president, Director of Digital Corporate Bank Sberbank Russia
Building a sustainable business around solopreneurs Customer experience that fits the lifestyle Automation and integration - help with budgeting and real-time insights Extending beyond core banking into relevant ecosystems
Sibylle Strack CEO Kontist Germany
The next generation business account: a new paradigm Incumbent banks - greed and laziness: how they’ve failed the needs of the businesses of today Stories from the coalface How technology and innovation have given a competitive advantage to challengers
Jamie Devlin Head of Business Development & Partnerships, Product Owner Revolut United Kingdom
9.50
9.00
9.25
11.00 Coffee break & networking
Cut the costs Increase the cross-sell Monetize your potential and find new revenue streams Focus on what keeps SMEs awake Imply subsegmentation, targeting and personalization Global survey
Spotlight on CEE markets from key regional players SMEs expectations vs. banks’ capabilities The state of the competition (internal/external) Key initiatives and focus for becoming lifetime business partners for ‘our’ SMEs
1.1 | Global SME banking landscape
1.2 | SMEs in CEE reality check
Digital-First SME Banking How do you stay relevant when disruption is knocking on your door demanding for change? Leverage ecosystems – crucial for delivering superior experiences How to design superior experiences and all the steps that follow in order to execute it – practical tips and best practices
Bob van Heumen Head of Business Development Backbase Netherlands
10.15
PROGRAM 13 JUNE 2019
Transforming SMEs on-boarding: make it end-to-end digital Redesigning the main customer journey to build a new SME banking concept Leveraging new technologies (artificial intelligence, biometrics, etc.) with a customer-centric vision A new on-boarding for non-customer SMEs: digital, simple, faster, responsible & more efficient
Jorge Herrando Head Digital Transformation for SME (Global) Santander Spain & Carlos Ortega Bedmar Strategy and Projects Director Business Banking Santander Spain
12.30
Building a 2.0 version of Kabbage-like business bank Risk // How eInvoicing and eTaxing + machine learning are changing the way we understand risk Collections and asset backing // Securitization on the fly of receivables Distribution // full digital experience and the crucial role of the customer success team in getting it right for SMEs
Diego Caicedo CEO Omni BNK Colombia
Nikolai Varma COO OakNorth UK United Kingdom
Delivering digital banking experience Digitalization is the key to competitiveness Automation in the lending processes How to handle exceptions in the process Benefits of digitalization – seamless borrowing experience for the end user
Béla Vér CEO ApPello Hungary
11.30
11.55
12.20
13.00 Lunch break & networking
2.1 | Holy grail of business banking: lending and collection
2.2 | Acquiring more SMEs through seamless and faster processes
2 | DISRUPTING KEY SME BANKING FUNCTIONS
Minimizing the ‘opportunity costs’ from being wrongly careful Reducing credit risk by creating new advanced risk management tools Digitization, automation and effective collection Agility is the key
2 | DISRUPTING KEY SME BANKING FUNCTIONS
Eliminating bureaucracy and opacity Reducing waiting time from days to minutes Extending capacity to serve them all
3 | COOPETITION AND PARTNERSHIPS Scouting and supporting before partnering Picking the right partner Plugging-in vs. buying-in Offering accounting services as an initial step
PROGRAM 13 JUNE 2019
Bonnie Shnayerson Product Management Manager, Global Small Business Mastercard USA &Lukas Dzuroska Country Manager Baltics, Nordics, Poland, Turkey, Georgia Efma Slovakia
Open banking as an SME banking growth lever Closer to the customer: meeting the needs of SME customers through a combination of banking/non-banking services and products Creating value by combining the partner’s strengths Bank as a service/bank as a platform BNL mobility case study: Telepass X Biz
Pascale Devriese Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group) BNL BNP Paribas & Telepass Italy
How to build a FinTech from scratch in a collaborative approach 12 banks team up to offer a completely new technology-enabled customer experience Key learnings from the process and co-creation outlook Challenges that need to be taken into consideration in such a project
Clemens Mueller Executive Assistant to the Chief Corporates & Markets Officer Erste Group Bank Austria
GLOBAL LAUNCH of Efma/Mastercard SME Banking Initiatives
16.30
17.15
17.40
Merging banks & new generation ERPs: establishing a strong ecosystem to Enhance customer value proposition Enable business growth Make everyday life easier for the customer
Fredrik Ljungblad Segmentmanager SME, Corporate Market SEB SEB Sweden& Malin Ringdahl Chief Growth Officer PE Accounting Sweden
Innovation in SR-Bank About Gründerhub and how it’s affecting our organization Making banking easier for SMEs How we capitalize on having an accounting firm in the group
Moyfrid Risdal Senior Project Manager SpareBank 1-SR Bank Norway
How technology enables coopetition – the case of interoperable e-invoicing Invoice related services for SMEs integrated with online banking solutions Bank to become a new data and integration hub while offering value added services Win-wini-win-win model: bank’s business goals, new services to SMEs, inter-banks coopetition and lower costs OTP eBIZ case study demo
Gergely Tyukodi Senior Manager OTP Bank Hungary & Katalin Kauzli Business Development Director Partnerhub Hungary
14.15
14.50
15.15
16.00
18.00
Coffee break & networking
Cocktail
3.1 | Accounting services, accelerators, Fintechs integration
3.2 | Open banking, open borders, beyond Fintechs partnerships
3 | COOPETITION AND PARTNERSHIPS
Real opening of your banking or just following PSD2? Finding right partners in other industries Creating banking alliances beyond borders
16.55Early warning: fundament of a profitable SME portfolio The role of early warning Gaining strong customer experience through a proper EW process EW: preparation for the next crisis Newest methods, using AI in the EW process
Tamás Erni Chairman Loxon Solutions Hungary&Mahdi Kilani Head of Business Banking Abu Dhabi Islamic Bank UAE
PROGRAM 14 JUNE 2019
Welcome coffee & registration
Opening remarks from moderators:Jason Storsley RBC Canada & Meaghan Johnson 11:FS UK
8.45
8.00
Remain a preferred choice when competition bites (for SMEs) Spot key disruptions Know where you fail Go for less that works more ‘So what’ for banking
Michal Ulicny Global Business Strategy eBay Switzerland
9.00
11.00 Coffee break & networking
From Business Banking to the Go-To Platform for Dutch SME’s Changing the SME Business Banking Model form ‘old-school banking’ to a platform approachVertical integration Going beyond banking: creating an excellent digital customer experience, even if you do not have the products or services yourself Lessons learned on corporate innovation and co-creation between a big bank and FinTech
Jack De Mooij Tribe SE, Micro, SME and MidCorp, Product Area Lead ING Bank Netherlands
Integrating into the customer’s 9am to 12pm day Touch-points we should have with customers Vertical integration Non-banking support Subscription based banking as a service
Nikoloz Kurdiani Deputy CEO TBC Bank Georgia
Small business banking? Rather Small business platform How to create a successful ecosystem How to maximize value creation for all players Mastercard and Strands small business platform
Luis Rodriguez Chief Product Officer Strands Spain & Marcus O’Toole VP Global Small Business Segment Europe & Enablement Mastercard Europe
9.30
10.00
10.30
1 | SME BANKING GROWTH BEYOND FINANCIAL SERVICES OFFERING
Competing in A-players industry: imagine that disruptive fintech in your industry is Amazon, Alibaba, Allegro or Alza Sustainability in business offering No need to be the first, while you may learn from mistakes
1.1 | Learning from e-commerce industry
1 | SME BANKING GROWTH BEYOND FINANCIAL SERVICES OFFERING
Being fan first and becoming customer later From changing the mindset to changing the culture Boosting adoption Moving from direct revenues to potential revenues Introducing freemium offers model
1.2 | Building SME ecosystems beyond banking
PROGRAM 14 JUNE 2019
Identifying the right business model Running your SME bank vs. doing SME banking in your bank Building digital SME bank vs. digital transformation in SME banking Heading business banking vs. being CEO of a business bank
Gorkem Cokcetin VP- Fintech Engagement, Group Digital Office Emirates NBD United Arab Emirates
11.30
FIRESIDE PANEL DISCUSSIONBoris Dyakonov CEO, Senior VP Tochka Bank Russia / Anna Bank UK& Jack De Mooij Tribe SE, Micro, SME and MidCorp, Product Area Lead ING Bank Netherlands& Pascale Devriese Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group) BNL BNP Paribas & Telepass Italy
11.40
13.00 Lunch break & networking
2.1 | Million dollar question: building a separate business bank or developing a strong business banking?
2 | IDENTIFYING THE RIGHT BUSINESS MODEL
Running your SME bank vs. doing SME banking in your bank Building digital SME bank vs. digital transformation in SME banking Heading business banking vs. being CEO of a business bank
3 | FOLLOWING THE CUSTOMERS JOURNEY
Being a business partner of your SME customers = your customer success will be your success Start with microfinancing Help them to grow (lending, international trade, advisory) Serve them big
WORKSHOP Boris Dyakonov CEO, Senior VP Tochka Bank Russia / Anna Bank UK
12.15
2.2 | AI in SME Banking workshop session
3.1 | Microfinancing and growing with your SMEs
Unleashing the Women Entrepreneur - A Kenya caseThomas Bisonga Head of Business Banking Stanbic Bank Kenya Kenya
14.15
Digital Transformation to Serve the Small Enterprise How digital distribution has made access to finance efficient in a developing market like Pakistan A business case for how to serve low income small entrepreneurs through digital and broaden your outreach at lower
cost How digital payments are the essential conduit for serving poorly documented SMEs in the developing world
M. Mudassar Aqil Chief Executive Officer FINCA Pakistan Pakistan
14.40
15.05
15.15
Wrap-up & Closing remarks
On-site visit to Erste Group Campus & Flip tour
17.30 End of conference
WE THANK OUR PARTNERS
SPONSOR & BUSINESS PARTNERS
MEDIA PARTNERS
COUNCILS
When and where are the next meetings taking place in 2019?
Warsaw, Lodz mBank
12-13 March
CasablancaAttijariwafa Bank
13-14 November
What are the Efma councils? Reserved for Efma members, the councils are exclusive groups of senior executives from leading banks and insurance companies that meet three times per year and exchange on the latest ideas and industry developments. To date, Efma councils gather more than 250 members from 40 countries.
Vienna Erste Group
11-12 June
What are the topics of the Efma councils?
Members: 36Countries: 12www.efma.com/insurancecouncil
INSURANCE
Members: 62Countries: 20www.efma.com/ digitalchannelscouncil
DIGITAL CHANNELSAFFLUENT & PRIVATE BANKINGMembers: 33Countries: 17
www.efma.com/ affluentandprivatecouncil
OPERATIONAL EXCELLENCE
Members: 36Countries: 19
www.efma.com/ operationalexcellencecouncil
PHYSICAL CHANNELSMembers: 38Countries: 21
www.efma.com/physicalchannelscouncil
Members: 45Countries: 16www.efma.com/smebankingcouncil
SME BANKING
FINTECH & INNOVATION
www.efma.com/fintechandinnovationcouncil
Members: 52Countries: 19
INNOVATIVE PAYMENTS
www.efma.com/innovativepaymentscouncil
NEW COUNCIL to be launched in November 2019
Solution provider presentation
Break11.15–11.45Expert presentation11.45–12.45
Wrap upWorkshop14.30–16.00
12.45–14.00 Lunch14.00–14.30
08.15–08.45 Welcome coffee and registrationWelcome speech08.45–09.00
Host presentation & discussion09.20–10.40
09.00–09.20 Introduction & round table greetings
Collaborative session10.40–11.15
Efma l 10 Boulevard Haussmannl 75009 Paris l France l Tel:+33 1 47 42 52 72 l Fax:+33 1 47 42 56 76 l [email protected] l www.efma.com NIF/TVA: FR 41 784 856 239 l N° SIREN: 784 856 239 l Code APE: 6619B
What does the meeting programme look like?
Which institutions are among the members of the councils?
What is the new format of the Efma councils?
How can I become a member of the councils? Please note that only Efma members institutions can attend councils, with the exception of the Insurance Council. If you are a member and you want to take advantage of these exclusive events of the Efma councils, please contact Maïlys. If you are not an Efma member yet, join the Efma community: www.efma.com/joinefma
Maïlys Mertian Council Programme [email protected] +33 1 47 42 66 39
Constantly seeking to satisfy the needs of its members, Efma is updating and improving its services. The Efma councils format is the result of members demands and feedback, and it comprises:
16.00–16.1516.15 – End of the meeting
Collaborative sessionsIndustry expert presentations
WorkshopsOut of the box sessions: Fintech; visits, etc.
An informal gathering the eveningbefore the meeting
