Join thousands of attendees in Dubai for the 2nd annual Artificial Intelligence & Data Science conference and find out what’s new in Data & AI
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Attend one of the leading international conferences aimed at gathering world-class researchers, academics, industry experts, and students to present and discuss the recent innovations in Artificial Intelligence (AI), Machine Learning, and Data Science. As technology increasingly transforms industries and societies globally, this conference offers a valuable chance to exchange ideas, share knowledge, and build collaborations. These will define the future of intelligent systems and data-driven decision-making. Register for tickets now!
Artificial Intelligence & Data Science – The Conference Program
The program of the conference aims to offer both theoretical and practical viewpoints with keynote talks by global experts, oral and poster sessions, panel sessions, exhibitions, and courses. Participants will be able to learn about the latest methods in AI and Data Science from real-world use cases. Join discussions regarding the ethical, social, and technological issues involved with using AI in various fields from healthcare, finance and education to retail, transportation and smart cities.
Expected Take-Aways:
Technical Insights & Deep Learning
Future-Ready Competencies
Actionable Tools & Recipes
Business & Strategic Frameworks
Network & Collaborations
Visibility & Recognition
Confidence & Vision
Career Development & Leadership Skills
Networking in Dubai
The host city, Dubai, also lends a unique flavour to the conference. As a world-renowned centre of innovation, business and technological advancement, Dubai is known for its world-class infrastructure and international accessibility. It’s the perfect platform for international collaboration. In addition to professional interaction, delegates can also sample the city’s cultural diversity and lively atmosphere, complementing their conference experience.
Among the key objectives of the conference is to ensure networking and cooperation among the attendees. Researchers, practitioners, students, and policymakers can meet, learn from each other, and discover possible partnerships that stimulate innovation. Students and young professionals learn from mentorship, exposure to new technologies, and the opportunity to showcase their work to the world. Industry attendees learn about the latest trends and solutions that guide strategic decision-making and competitive edge.
Artificial Intelligence & Data Science is a gateway to knowledge, cooperation, and innovation. It provides participants with the tools, networks, and intelligence needed to succeed in the fast-changing technological landscape.
If you are a researcher, professional, student, or policymaker, attending the Artificial Intelligence & Data Science Conference 2026 in Dubai is an unbeatable chance to help shape the future of AI and Data Science across the globe. Register for tickets now!
Join 3,000+ industry decision makers and influencers at Smart Retail Tech Show for your opportunity to gain the tools to stay ahead in a competitive market
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If you’re in retail and looking to stay ahead in a fast-changing market, the Smart Retail Tech Expo is a must-attend event. With thousands of industry professionals, the show is a hub for innovation, showcasing the latest technologies to enhance the customer journey, streamline operations, and drive growth. Whether it’s improving operations, enhancing safety, enabling contactless payments, or elevating the customer experience, it’s all on the show floor.
Regardless if you’re an independent retailer or part of a global chain, this is your chance to explore cutting-edge solutions!
Why Attend Smart Retail Tech Expo?
With only pre-qualified decision-makers and key influencers in attendance, it’s the perfect place to network, learn, and invest in the future of retail.
Visitors include Key Decision-Makers: CTO | Director of Retail Experience | Digital Transformation Director | Director of Innovation | Head of Customer Experience | Head of Digital & E-commerce
3,200 visitors in attendance
86% have purchasing authority
76% are looking to source new products & services
95% are senior management or above
Smart Retail Tech Expo is where retail innovation happens! Small business or global, discover cutting-edge solutions and in one place and shape retail’s future.
“Thanks @smartretailexpo! Packed with innovation, connected with lots of great problem solving startups doing amazing work in the space!”
Daniel Himsworth, Marks & Spencer
Keynote speakers include experts from e-commerce, retail, and tech backgrounds, alongside many more. They will be sharing insights from their personal journey and future-proofed strategies on customer engagement, globalising your business, social media commerce, and lots more. Come and hear from the industry’s biggest voices and learn about how to keep ahead in the white and private-label sector. Keynote speakers include expert insights from Pinterest, Tik Tok, Uber Eats, Alibaba and many more…
Register now for free tickets and gain insider knowledge… Beyond networking, Smart Retail Tech Expo offers expert-led sessions and insights into emerging trends, sourcing strategies, and retail technology—giving you the tools to stay ahead in a competitive market.
Join over 25,000 entrepreneurs, SME owners, and senior professionals at Excel London for The Business Show London 2025
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The world’s largest award-winning business event, The Business Show London 2025, is returning to Excel London on the 12th and 13th of November 2025. Join over 25,000 SMEs and startups at this premier London business expo, designed to provide the support and resources you need to start, grow, or scale your business.
As always, the event offers free expert advice and insights from some of the biggest names in the industry. Building on last year’s impactful keynotes, this year’s business conference features fresh faces—business leaders who have thrived in recent years. In today’s digital landscape, this is a rare opportunity to gain face-to-face experience, advice, and inspiration from those who have been in your position and succeeded.
Whether you’re looking to network at one of the best business networking events in London or seeking new business partnerships, this event is your gateway to unlocking growth. For enquiries, registration, or to book a stand, contact the team today and secure your place at the UK’s leading SME business event.
Why Attend The Business Show London?
This flagship London business expo offers unparalleled opportunities to connect with industry leaders, discover cutting-edge solutions, and gain practical insights to accelerate your business.
“Vibrant, electric and inclusive ….the atmosphere I felt today at The Business Show, London excel as a keynote speaker representing Google. Such an incredible turn out, engaged listeners and wonderful to also have 121’s with many entrepreneurs on business growth utilising AI!”
Harmony Murphy, Google
With thousands of exhibitors, inspiring keynote speakers, and interactive show features, the show caters to startups, established businesses, and everyone in between. Whether you’re looking to connect with startups, explore small business exhibitions, or attend the UK’s leading business growth conference, this event will equip you with fresh ideas and practical strategies to help your business succeed.
500+ exhibitors
86% attendee satisfaction rate
75% attendees plan to return
6 show features
Don’t miss your chance to participate in one of the top business networking events in London.
Register now for free tickets and join the UK’s most ambitious business minds to gain new partnerships, expert advice, and business development opportunities.
The deadline for entries for the National DevOps Awards is September 19th. Finalist will be announced September 26th. Don’t miss out – book your place before the October 14th deadline.
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For nearly a decade, the DevOps Awards have celebrated innovation and excellence in DevOps, recognising the hard work and achievements driving the community forward. As an independent awards program, it highlights leaders who are shaping the future of DevOps.
Being shortlisted is a significant achievement, marking you as a key player in the industry. The awards are open to businesses of all sizes, as well as teams and individuals worldwide. With 16 diverse categories, entries are judged against a clear set of criteria, ensuring fairness and prestige.
The awards offer a unique platform to showcase your expertise, gain visibility, and connect with top professionalsin DevOps and quality engineering.
Join us in London this year and share your insights with some of the brightest minds in the field.
The DevOps Awards ensures fair and unbiased judging through an anonymous evaluation process. All judges -led by Dávid Jámbor Senior Director – Technology and Secure Infrastructure BCG – are seasoned senior professionals and they assess award entries purely on merit, with all identifying information removed. This guarantees that every winner is recognised solely for their exceptional achievements, regardless of company size, budget, or market influence.
TechEX Europe – Powering the Future of
Enterprise Technology at Amsterdam’s RAI Arena September 24-25
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TechEx Europe unites five leading enterprise technology events — AI & Big Data, Cyber Security, Data Centres, Digital Transformation and IoT — into one powerful experience designed for organisations driving change. Five events, two days, one ticket – register for your pass here.
From scaling infrastructure to unlocking new efficiencies, this is where decision-makers and their teams come to connect, explore real-world use cases, and discover the technologies that will shape their next phase of growth.
AI & Big Data Expo
The AI & Big Data Expo is the premier event showcasing Generative AI, Enterprise AI, Machine Learning, Security, Ethical AI, Deep Learning, Data Ecosystems, and NLP
Speakers include:
Cybersecurity & Cloud Expo
The Cyber Security & Cloud Expo, is the premier event showcasing the latest in Application and Cloud Security, Hybrid Cloud, Data Protection, Identity and Access Management, Network and Infrastructure Defence, Risk and Compliance, Threat Intelligence, DevSecOps Integration, and more. Join industry leaders to explore strategies, tools, and innovations shaping the future of secure, connected enterprises.
Speakers include:
IOT Tech Expo
IoT Tech Expo is the leading event for IoT, Digital Twins & Enterprise Transformation, IoT Security, IoT Connectivity & Connected Devices, Smart Infrastructures & Automation, Data & Analytics and Edge Platforms.
Speakers include:
Digital Transformation
The Digital Transformation Expo is the leading event for Transformation Infrastructure, Hybrid Cloud, The Future of Work, Employee Experience, Automation, and Sustainability.
Speakers include:
Data Center Expo
The Data Centre Expoand conference is the premier event tackling key challenges in data centre innovation. It highlights AI’s Impact, Energy Efficiency, Future-Proofing, Infrastructure & Operations, and Security & Resilience, showcasing advancements shaping the future of data centre.
The Financial Transformation Summit (FTS), presented by MoneyNext, took place June 18-19 2025 at London’s ExCeL Centre, Royal Victoria Dock. With over 2,000 attendees, 300+ speakers, and 400 roundtables, it stood out as one of the most immersive and interactive events in the financial services calendar.
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FinTech Strategy hit the conference floor at the heart of the action delivering insights from experts across Banking, Insurance, Wealth, and Lending at Financial Transformation Summit (FTS).
Financial Transformation Summit attendees from banking, insurance, wealth, lending, fintech, consultancy, and regulatory sectors convened for two days packed with keynotes, panel talks, immersive demos, and networking among 60+ exhibitors and startups.
Co-located streams – Banking, Insurance, Wealth, and Lending part of themed zones– meant that ticket-holders could explore adjacent sectors fluidly across a guiding theme: culture, collaboration, and customer centricity driving tech adoption and transformation.
Programme Highlights
Keynotes & Panels
1. Data Silos & Cross‑Institutional Collaboration
A panel featuring senior leaders from EVLO, Aon, Schroders, and Brit Insurance tackled how institutions – despite collectively spending over $33 billion annually on data – still struggle to collaborate due to privacy concerns and regulation. Innovative solutions included federated learning, anonymised client IDs and consent-backed APIs.
2. Digital Insurance via Wallets
Anna Bojic (Miss Moneypenny Technologies) unveiled a fresh take on insurance – embedding policy and claim data into Apple/Google Wallets. The idea: dynamic customer interaction directly from smartphone wallets, enhancing real‑time engagement and retention.
3. ESG Economics & Market Reality
Marc Kahn (Investec) challenged ESG orthodoxy, urging firms to emphasise human and planetary wellbeing – beyond purely financial returns – to capture stakeholder trust and sustainable growth.
4. People & Psychological Safety
Kirsty Watson (Aberdeen Group) and Vikki Allgood (Fidelity International) underlined that technological investments are futile without organisational design and psychological safety. Allgood cited a McKinsey study revealing only 26% of leaders build teams with a sense of safety – a critical step toward innovation.
5. Human‑Centred AI
Monica Kalia (Planda AI) championed AI that models individual financial contexts – recognising diversity within demographic cohorts and personalizing services accordingly.
Roundtable Experiences at FTS
At the event’s heart were the TableTalk roundtables – 400+ small-group sessions, each led by a subject-matter expert. These were limited to six participants each, enabling deep, peer-led discussions on themes like:
AI in risk and compliance
Open banking integration
ESG data standards
Cyber resilience
Change management and culture adaptation
Attendees consistently praised their interactive nature – far removed from the stage‑focused “listening” format often critiqued at other conferences.
Demonstrations & Exhibitor Showcase
Over 60 exhibitors presented tech-driven innovations: Generative AI, open‑banking APIs, ESG reporting tools, embedded finance solutions, and more. A few standouts were:
CRIF highlighted AI-powered credit scoring with ESG overlays – promising dynamic risk assessments backed by sustainability data
Emerging FinTechs demoing AI compliance engines, digital wallet insurance packaging, and data-sharing platforms
Hylanddemonstrated the intuitive end-user experience of its Hyland Content Innovation Cloud™ and showed how easy it is to configure, tailor and deploy solutions that can empower key stakeholders across any business
The demo zone allowed engaging, hands-on exploration and real-time Q&As; it complemented the content with practical insights.
Standout Themes & Strategic Insights
1. Tech is Not Enough Without Culture
Recurrent messaging emphasised that culture, trust, governance, and psychological safety are foundational – not secondary – to digital initiatives. Technology alone won’t deliver transformation without a people-first mindset.
2. Cross‑Sector Data Collaboration
Despite heavy investment, institutions still operate in silos. Shared, secure infrastructure and regulatory-aligned frameworks are being prototyped, but broad adoption remains a work in progress.
3. AI-as-a-Personalisation Backbone
AI is shifting from automation to empathy. Organisations showcased tools to hyper-personalise offers yet maintain privacy and inclusion – moving beyond outdated demographic frameworks into genuine behavioural understanding.
4. Embedded Finance & Digital Wallets
Insurance via wallet applications and embedded finance models point to seamless customer journeys – less app hopping, more value delivered at the point of need.
5. Rebalancing ESG & Profit Metrics
Speakers emphasised integrating ESG factors into performance metrics – not just for compliance, but as an operative advantage anchored in long-term stability and stakeholder trust.
Who Should Attend FTS Next Year?
Ideal for:
Transformation and change leaders
CTOs, CIOs, and Heads of Innovation
Data and AI strategists
Operational and HR leaders focused on culture
FinTech innovators and solution providers
If you’re crafting digital transformation strategies, an attuned leader in financial services, or a consultant embedding tech in legacy environments, this summit provides rich, actionable content.
Expect next year’s event to build on this foundation:
More AI-specific tracks, possibly Generative AI streams
ESG deep-dives with case studies on implementation
Expanded regulator involvement around data governance and cross-border compliance
FTS: Final Verdict
Overall, the FTS 2025 delivered on its brand promise:
Interactive and inclusive: 400 roundtables empowered voices across levels.
Cross‑sector learning: Banking, Insurance, Wealth, and Lending streams offered both breadth and depth.
Insightful keynotes: Big ideas on AI, ESG, data-sharing, and culture were well-explored.
Real-world relevance: Exhibitor demos connected theory with practice.
Networking with purpose: Opportunities to engage, learn, and collaborate were abundant.
The Financial Transformation Summit struck a compelling balance between big-picture vision and granular, execution-level insight. It emphasised that while technology enables; culture, customer centricity and collaboration drive real progress. The format – with its roundtables, demos, and keynotes – offered a dynamic platform for knowledge exchange.
If you attended, chances are you left with practical next steps. If you didn’t, you missed one of the most interactive, future-focused events shaping financial services transformation today.
Join thousands of data centre industry leaders and innovators at London’s Business Design Centre for three co-located events – DCD>Connect, DCD>Compute and DCD>Investment September 16-17
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Data Center Dynamics (DCD) is connecting the data center ecosystem. Secure your pass for three-colocated events covering the entire digital infrastructure ecosystem across two days at London’s Business Design Centre – DCD>Connect, DCD>Compute and DCD>Investment.
Bringing together more than 4,000 senior leaders working on Europe’s largest data center projects. DCD>Connect | London will drive industry collaboration, help you forge new partnerships and identify innovative solutions to your core challenges.
“First class event that presented a wide variety of perspectives and technologies in an engaging and informative forum” – Data Center Project Architect, AWS
DCD Compute
Uniting enterprise and hyperscale leaders driving scalable AI Infrastructure from silicon to software…
New workloads are fundamentally reshaping IT infrastructure, as accelerated hardware innovation is enabling more new workloads. How can you keep up in this rapid cycle of new AI models, new hardware, new software, and the race to be first to market?
The Compute event series, run in partnership with SDxCentral, empowers leaders to make sharp decisions on IT infrastructure and AI deployment. Join 400+ peers from enterprise, hyperscale, and top IT infrastructure and architecture innovators to shape the future of compute—on-prem or in the cloud.
400+ Decision-Makers for IT Infrastructure, Architecture, AI, HPC and Quantum Computing
60+ industry-leading speakers at the forefront of innovation across cloud and on-prem compute
Hosted in partnership with SDxCentral
DCD Investment
Connecting senior dealmakers driving the economic evolution of digital infrastructure…
The world depends on digital infrastructure, and there’s never been more pressure on the industry to scale at speed. The Data Center Dynamics Investment series helps the leading dealmakers behind this growth to make informed decisions faster, through top-tier content, tailored networking, and best-practice sharing.
Dynamic Programme: A brand new format including leadership roundtable discussions allows for 2025 attendees craft their own agenda at the Forum.
50 Speakers: The C-suite operators, leading investors, and advisors in data centers are converging to strategize on the industry’s evolving landscape.
Exclusive Networking Opportunities: The Investment Forum is separated from the main DCD Connect programme and show floor, offering private networking and dealmaking opportunities to take place in an optimal setting.
FinTech Strategy meets Eastern Horizon Founder & CEO Christine Le to discuss client expectations and the changing landscape of wealth management
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Financial Transformation Summit 2025 EXCLUSIVE
At Financial Transformation Summit, Christine Le, a Chartered Financial Planner and Founder & CEO of Eastern Horizon Wealth Management, spoke on an investment panel – “Generational Wealth Transfer: Meeting the Expectation of Younger Clients”. Appearing with industry colleagued representing Citi Global Wealth, HFMC Wealth and Lightbox Wealth, Le considered: What trends and technologies are shaping NextGen investment decisions, and how can WMs stay ahead? Can digital wealth platforms meet the demand for hyper-personalised, user-friendly experiences? How does social responsibility & ESG investing influence younger investors, and how can advisors align with these priorities? How can wealth managers build and maintain trust with NextGen investors?
Following the panel, we spoke with Christine to find out more…
Hi Christine, tell us about your role at Eastern Horizon?
“I’m a Chartered Financial Planner and the Founder & CEO of Eastern Horizon Wealth Management. We are a financial advisory firm and also a partner practice of St. James’s Place. They are among the biggest wealth management firms in the UK based on assets under management. We get a lot of support from St. James’s Place in terms of technology compliance and investment solutions. At my practice, we focus on a diverse range of clients including ethnic minorities, especially British Asians in the UK. I’m also the president of the Vietnam Investment and Finance Association in the United Kingdom (VIFA). We aim to provide useful financial information for Vietnamese people in the UK and become a bridge between Vietnam and the UK.”
You were part of a panel at this Summit focused on Generational Wealth Transfer. Can you give us an overview of your thoughts?
‘’Having worked in the financial services industry for over 15 years, I’ve observed a persistent gap in how the industry serves diverse client segments – particularly ethnic minority communities in the UK. This gap is especially pronounced when it comes to financial education and long-term planning, including wealth transfer across generations. When I speak to members of my own Vietnamese community, I often find that there’s a limited understanding of how to navigate financial systems effectively – from managing investments and pensions to planning for intergenerational wealth. It’s not due to a lack of interest or ambition, but rather a lack of access to culturally relevant and accessible financial advice.
“This is where I believe I can make a meaningful difference. I not only bring professional expertise and technical knowledge to the table, but also a deep understanding of the cultural values, family dynamics, and communication styles that shape financial decision-making in the community. That cultural insight is key to building trust, something that is essential when discussing personal finances and planning for the future. My goal is to help bridge that gap – to empower families with the knowledge and tools they need to make informed financial decisions, preserve their wealth, and pass it on confidently to the next generation.’’
Why is this an exciting time for the business?
“At the moment the world is so integrated, and many people can benefit. A lot of people want to go to the UK, invest into the UK. I think with that in mind this is an exciting time to run my business and to be able to bridge that gap, providing sufficient knowledge for people as a trusted source when they come to the UK and need to understand the financial regulations. We can give people solid support to understand the financial processes of settling and building wealth in the UK.”
What other trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“Right now, everyone is talking about AI, and for good reason. In my business, we rely heavily on digital tools to streamline administrative tasks. It’s truly a game-changer. Compared to starting a business 15 years ago, when I would have needed a full-time assistant just to take meeting notes and summarise action points, many of those processes can now be automated, saving both time and cost. Another advantage is in how we communicate. Many of my clients are British Vietnamese. While they understand and speak English, they often feel more comfortable communicating in Vietnamese. We use AI-powered translation tools to make this process faster and more seamless. These technologies are allowing us to broaden the range of services we offer and tailor our support to each client’s needs.”
What pain points are your clients experiencing that you need to address? How are you meeting the challenge?
“It’s about meeting the client’s highest priority. When people come to me, they maybe want to support their children to get onto the property ladder or plan for their retirement. They might be looking to buy a new car or move home. So, as a regulated financial advisor, I can sit with a client and talk them through key priorities and tailor the solutions best for them and help them overcome the pain points of decision-making.
“Additionally, the UK’s financial regulations are complex and changing all the time. It’s very difficult for people to follow. It’s my job as a financial advisor to follow up those changes and stay up to date with the regulations to assess how it can impact our clients and then give them the best recommendations. Allied to this, many of our clients will need support with cross-border services as they move freely between different countries they need somebody they can trust, an expert that knows what they’re doing and who can provide the right financial services for them.”
Tell us about a recent success story…
“Success for Eastern Horizon is to know that our clients feel they have somebody to rely on. For example, I have an old friend who came to me as a client. She was based in Vietnam but wanted to relocate to the UK. She had assets across Europe and in Vietnam and needed to understand the big picture of financial planning in the UK. We examined her assets across different countries to bring them into the UK and find the best solution for her to utilise tax efficient savings, pensions and investments to support her family and her business in the long term.”
What’s next for Eastern Horizon when it comes to wealth management? What future launches and initiatives are you particularly excited about?
“Over the next few months, we are keen to collaborate with different associations and communities across the UK – whether that’s related to Vietnam or British Asian communities and offer useful information and workshops and webinars tailored to different audiences. Also, with my work for the Vietnam Investment and Finance Association I want to organise workshops for those keen to invest in the UK but don’t know where to start. They often don’t have anyone to support them so I would like to focus on building a network to offer that bridge to investment in the UK.”
Why do you think the evolution of collaboration between traditional institutions and FinTechs is set to continue? What are you excited about?
“I spent five years working at the intersection of FinTech and WealthTech – where wealth management meets technology. During that time, I witnessed firsthand how the financial services landscape is evolving. Large incumbent banks bring undeniable strengths: scale, regulatory rigour, and long-standing client trust. However, they often struggle with agility. Their legacy infrastructures, many of which still aren’t cloud-based, make digital transformation slow and complex. On the other hand, FinTechs are born digital. They’re nimble, innovative, and quick to adapt to changing customer needs. But without the reputation and stability that traditional institutions have built over decades, they can face challenges in gaining consumer trust or navigating regulatory environments alone. What became clear to me is that banks and FinTechs cannot operate in silos.
“Collaboration is not just beneficial, it’s essential. When they work together, they combine the best of both worlds: the reliability and compliance of traditional finance with the innovation and customer-centric design of new technology. With my own practice, we apply this mindset. We actively look for ways to streamline administrative processes using digital tools – reducing costs, improving efficiency, and freeing up more time to focus on what matters most: building strong, human relationships with our clients. The goal is to use technology not to replace that human connection, but to enhance it. By doing so, we can deliver modern, efficient, and deeply personalised financial services that clients trust.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Eastern Horizon?
“I’ve attended several events this year, and this has truly been one of the most enjoyable and well-organised in the UK. What stood out was the impressive mix of voices – from established financial institutions to bold, forward-thinking startups. Engaging with such a diverse group of speakers has been both insightful and thought-provoking. I’ve come away with fresh perspectives, challenged some of my own assumptions, and found new ideas to explore as we continue building meaningful partnerships for Eastern Horizon Wealth Management.”
About Christine Le and Eastern Horizon Wealth Management
As an Appointed Representative of St. James’s Place, Practice Lead, and business owner, Christine leverages over 15 years of experience in financial services and wealth tech to serve our clients, acquired through extensive work in multinational financial services firms in the UK. This rich background has equipped Christine with the skills and knowledge necessary to effectively oversee the business, ensuring that every facet is managed with the highest level of professionalism.
Christine founded and built this Practice to help clients prosper, build financial security, and attain peace of mind while overcoming financial obstacles.
Her primary focus is on nurturing enduring relationships with her clients, offering them trusted guidance as their financial requirements evolve over time. Throughout her advisory process, clarity remains paramount. By closely collaborating with her clients, Christine strives to identify the most efficient and tax-effective strategies to help them achieve their objectives. Specialising in tailored solutions, Christine is dedicated to understanding her clients’ financial goals and crafting strategies that align with their vision for the future.
FinTech Strategy meets with Citigroup’s Head of ESG Credit Management, Mauricio Masondo, to discover the future for ESG and sustainable finance
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Financial Transformation Summit 2025 EXCLUSIVE
At Financial Transformation Summit, Mauricio Masondo, Head of ESG Credit Management at Citigroup, featured on a sustainability panel – ‘The Future of ESG and Sustainable Finance: Balancing Profit and Purpose’. Alongside peers fromGenerali AM, Gallagher Re and Arma Karma, Masondo considered: What key metrics should FIs use to track ESG progress, and how can they ensure authenticity in their sustainability efforts? Developing a holistic ESG strategy amid evolving regulations – key challenges and solutions. How can FIs leverage technology to meet sustainability goals and drive long-term profitability? How can FIs move beyond offering ESG products to embedding sustainability into their core business models?
Following the panel, we spoke with Mauricio to find out more…
Hi Mauricio, tell us about your role at Citigroup?
“In my 32 years with Citi my career has primarily focused on wholesale credit, and in recent years I built out our portfolio management function. For the past year specifically, I’ve been leading the integration of ESG and climate considerations into our credit processes.As Head of ESG Credit Management, my role is to embed ESG requirements into our credit processes in a way that’s consistently and efficiently applied through technology, policies, training, and governance frameworks. Our strategic approach was not to create an ESG silo that replicates existing processes, but rather to integrate ESG considerations seamlessly into our current workflows. This means any credit analyst can now underwrite ESG credits, sustainable loans, or green loans, rather than requiring dedicated specialists. We’ve equipped our entire team with the knowledge and tools they need to handle these transactions effectively.”
You were part of a panel at this Summit focused on the future for ESG and sustainable finance. Can you give us an overview of your thoughts?
“Data standardisation is absolutely critical, especially as we advance into the AI era. I often reference Moody’s as an excellent example of strategic foresight. Moody’s operates two key businesses – credit ratings and data analytics – and early in their AI journey, they made the strategic decision to structure and normalise all their credit research data. This proved to be transformational because it enabled them to deploy AI solutions much more rapidly with clean, structured datasets. We’re working to apply this same principle at Citi. We’re developing processes to structure climate-related data in a way that will be usable across multiple applications. For example, we’re working on integrating emissions data and climate risk assessments into our credit risk rating models. We’re also exploring how this structured approach could support underwriting processes and securitisations, where comprehensive data packages could facilitate risk transfer transactions with institutional investors. The goal is to build normalised, structured data as the foundation for various applications, from portfolio management to AI-driven solutions. While we’re still in the early stages of many of these initiatives, the potential is significant.”
Why is this an exciting time for the business?
“We’re witnessing the convergence of several transformative trends. However, one of our biggest challenges is policy divergence across jurisdictions. Countries are taking vastly different approaches to ESG requirements, and for a global bank like Citi, this creates significant complexity in standardising processes across multiple regulatory environments. While challenging, this divergence also creates opportunities to develop scalable, cost-effective solutions that can adapt to various regulatory frameworks.Second, AI is revolutionising how we approach ESG challenges. It’s helping us structure data more effectively, enhance reporting capabilities, contextualise information, and identify trends that would have been impossible to detect manually.
“Previously, comprehensive ESG analysis required significant time, resources, and personnel. AI has made these processes more accessible and cost-effective.Most importantly, there’s been a fundamental shift in how the industry, and governments, view ESG. It’s evolved beyond compliance and emissions reporting to become a significant business opportunity. We need to capitalise on this transition – moving from reactive reporting to proactive opportunity capture. The capital is there, and if traditional banks don’t seize these opportunities, asset managers, private credit firms, and private equity will. We’re partnering strategically with reinsurance companies and asset managers to develop innovative solutions that unlock transition capital and help companies fund decarbonisation projects.”
What other trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“Trade flows are experiencing significant disruption due to current tariff policies. This creates both challenges and opportunities for our clients. Companies are reassessing their supply chain vulnerabilities and seeking greater resilience in their operations.I anticipate we’ll see a regionalisation of trade flows rather than a complete deglobalisation. European companies will likely increase intra-regional trade while reducing intercontinental transactions. We’re seeing similar patterns emerging in Asia and the Middle East. This shift requires banks to be more agile in how we structure trade finance and working capital solutions to meet these evolving needs.”
What pain points are you experiencing that you need to address? How are you meeting the challenge?
“Working capital finance requires increasingly creative solutions that leverage advanced technology. Banks are recognising that FinTechs often have greater agility in developing and implementing these technologies. There’s significant efficiency in having one FinTech serve multiple banks rather than each institution developing independent solutions. This collaborative approach allows us to move faster while reducing development costs and time-to-market.”
Tell us about a recent success story…
“I designed and led the implementation of an early warning monitoring system for Citi’s credit portfolio. The project began with a fundamental concept: create a data lake, develop meaningful metrics, and engage data scientists to interpret the insights. We collaborated with trade officers and partnered with external specialists to enhance our capabilities.Initially, there was scepticism about the system’s value, particularly because we built it as an independent function within our portfolio management organisation, separate from traditional banking and risk management structures. However, this positioning allowed us to collect unique client data and develop insights that weren’t available elsewhere in the organisation.A critical component of our success was establishing a dedicated credit expert team that oversees the entire process.
“This team leads the engagement and communication of alerts, ensuring that insights are properly interpreted and actionable recommendations reach the right stakeholders.The evolution was remarkable. We progressed from generating a few alerts daily to dozens per day, and eventually to hundreds of alerts weekly. More importantly, we developed sophisticated processes for interpreting and acting on these alerts, with our expert team serving as the bridge between data insights and business action. Bankers and risk managers began to recognise the value, and today, three years later, the system is integral to how we conduct annual reviews and client presentations. It’s incredibly rewarding to provide our bankers with comprehensive data and insights that strengthen their client relationships.”
What’s next for Citigroup when it comes to ESG? What future launches and initiatives are you particularly excited about?
“While it may sound clichéd, AI truly is transformative for our industry. The breadth of use cases and the rapid pace of learning make it essential to our strategic direction. We’ve established a strategic partnership with Google and are investing significantly in AI use case development and implementation across our operations. From an operational perspective, AI will undoubtedly increase our efficiency as an industry. More importantly, it’s enabling us to evolve our business models and create client solutions that weren’t previously feasible. This opens entirely new avenues for innovative product development. Additionally, since CEO Jane Fraser joined, we’ve embarked on a comprehensive transformation program that’s delivering strong results in terms of financial performance and returns. We’ve restructured and simplified our operations, which positions us more competitively as we refresh our leadership teams and attract new talent. The trajectory is very promising.”
Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?
“The current tariff environment is creating opportunities for FinTechs that facilitate connections between banks, investors, and corporations. It’s also presenting consolidation opportunities for private equity firms within the rapidly expanding FinTech ecosystem.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Citigroup?
“The panel brought together diverse perspectives from FinTech, asset management, insurance, and banking – all addressing common challenges that span our sectors. This cross-industry dialogue creates tremendous opportunities for collaboration and mutual understanding.The key now is translating these conversations into action. We need to maintain these connections, expand the dialogue, and avoid making decisions in isolation. FinTechs possess the agility to implement changes in their operating models far more quickly than large incumbents like us. However, our procurement systems and processes aren’t always conducive to collaborating with smaller, innovative companies.Events like this highlight the need to streamline how institutions like Citi can collaborate with and learn from FinTechs. We must accelerate our ability to adapt to a rapidly changing world.”
We’re helping build more sustainable, economically vibrant communities around the world.
At Citi, helping our clients navigate the challenges and embrace the opportunities of our rapidly changing world is fundamental to our mission of enabling growth and economic progress.
FinTech Strategy spoke with Veritran’s CMO, Jorge Sanchez Barcelo, at Money20/20 Europe to find out more about the tech firm’s partnership with Manchester City reimagining CX to create a frictionless digital experience for fans
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Money20/20 Europe Exclusive
In an era where technology defines the customer journey, Jorge Sanchez Barcelo, Chief Marketing Officer at Veritran, is leading a bold charge into a new frontier: one where financial technology fuses with fandom, and CX becomes both frictionless and deeply personal.
Jorge’s professional journey has always followed the arc of digital transformation. From his earlier roles at AT&T and Banorte to now helming marketing at Veritran, a global technology company, his mission is clear: make life easier, better, and more secure for end users – whether they’re banking customers or football fans.
“Our technology without a purpose is nothing. It’s just code,” Jorge says. “We build for people. And that purpose has taken us far beyond banking.”
From Buenos Aires to Global Ambitions
Founded in Buenos Aires almost 20 years ago, Veritran started building mobile applications before the iPhone even existed – when, as Jorge jokes, “phones were just for calls, texts, and the occasional game of Snake”.
“Our guys were visionaries,” he continues. “They were talking about applications when we didn’t even have smartphones. Back then, you had to build a separate app for every phone model because we didn’t have iOS or Android,” he recalls.
Despite those early technical hurdles, the company maintained a singular focus: democratising access to financial services. “Once a person starts managing their own finances, they gain control,” reasons Jorge. “And control is the first step toward growth.”
That mission has proven timeless, and borderless. Today, Veritran has a solid footprint across Latin America and has expanded into the US and Europe.
Why Experience Matters More Than Ever
Jorge is acutely aware that in financial services, trust is everything. A slick PowerPoint is not enough to win over banks.
“When I meet with a financial institution, they don’t want theory. They want proof. They want to see our tech working in the real world. But many banks are reluctant to share their strategies, even with non-competitors.”
This desire to demonstrate capability led Veritran to seek a bold new marketing approach – one that would provide a visible, secure, and non-competitive environment to showcase its tech.
Enter Manchester City: A Blueprint for CX Innovation
The solution arrived via the pitch, not the boardroom. Veritran entered into a partnership with Manchester City, one of the best football teams in the world.
“Manchester City is digitally five to seven years ahead of most clubs,” says Jorge.
Veritran’s technology now supports key digital operations at Manchester City, helping the Club streamline processes such as user registration, membership management, and ticketing. This collaboration reflects a shared commitment to innovation and operational excellence.
What began as a strategic partnership has evolved into a strong example of how financial technology can reinforce digital infrastructure in the sports sector. As more organisations seek reliable and scalable solutions, the model developed with Manchester City demonstrates the value of secure, efficient platforms designed to support long-term digital growth.
Breaking the Sponsorship Mold
Unlike traditional sports sponsorships, which often come with hefty price tags and limited strategic collaboration, Veritran’s deal with City was rooted in partnership.
“Our partnership is beneficial for both companies, we share value,” explains Jorge. “With the brand reach of Manchester City’s clubs we have been able to promote our company worldwide.”
This model has opened the door to future collaborations, not only with sports clubs, but also with entertainment companies in the US who are eyeing similar digital transformations.
Applying FinTech Learnings in New Territories
As Veritran enters new markets, they carry the lessons of regulated finance into less restricted sectors.
“In banking, every innovation has to pass through layers of regulation,” notes Jorge. “But in entertainment or sports, you can think outside the box and start with the experience, not the compliance checklist.”
That freedom has allowed Veritran to experiment with new ideas, such as smile-based stadium access or face-based payments.
“We call it ‘mouthful access’ – just smile, and you’re in. You can’t do that in banking… yet.”
Blending Brand and Utility: A New Era for Embedded Finance
What sets Veritran apart isn’t just its technology stack – it’s the way it applies that stack to create emotional resonance and operational value in new settings. For Jorge and his team, the convergence of financial services and lifestyle touchpoints is the most exciting, and underexplored, frontier.
“When we embed finance into a stadium or a music festival, we’re not just processing payments,” he explains. “We’re creating seamless, branded experiences that extend customer relationships beyond the bank branch or app.”
This philosophy echoes a wider FinTech trend: the shift from siloed services to contextual, embedded finance – delivered where customers already are, not where institutions want them to be.
As financial brands seek new ways to engage digitally-native consumers, Jorge believes partnerships with lifestyle, sports, and entertainment brands offer huge untapped potential.
Jorge notes that younger generations expect everything to be digital, instant, and intuitive. They don’t separate banking from shopping or attending an event, it’s all part of one journey. “If we can integrate services invisibly into those moments, that’s where the magic happens.”
He’s quick to add that the financial industry still has work to do in aligning with this shift – both culturally and technologically.
“It’s not just about APIs or infrastructure. It’s about mindset. The organisations that embrace this new way of thinking – who see CX as a shared responsibility across ecosystems – will lead the next decade.”
With Veritran’s cross-industry collaborations accelerating, Jorge is confident they’re not just shaping financial journeys – they’re reshaping everyday experiences.
Embedding Finance in the Fan Journey
Jorge sees a massive opportunity to embed financial services into sports and entertainment ecosystems, particularly in underbanked regions like Latin America.
“In the UK, stadiums are already cashless. In Latin America, we still have guys walking around selling Coca-Cola for cash from their pockets. We want to change that.”
By introducing digital wallets, biometric payments, and embedded insurance services (e.g., ticket protection at the point of sale), Veritran enables clubs to become financial service providers.
“Imagine buying a match ticket and adding travel insurance in one click. That’s the level of seamless we’re aiming for.”
Pain Points Driving Demand
So what are clients asking for?
Jorge says it comes down to three priorities:
Integrated Payments Ecosystems Clients want unified platforms that support seamless payments across channels and partners
Digital Onboarding & Identity Reducing friction while enhancing security is top of mind – especially in customer acquisition
End-to-End Security Suites With AI-driven fraud and evolving regulations, security isn’t optional; it’s a strategic asset
Veritran’s flexibility as a tech partner, not just a vendor, allows it to co-create with clients. This often means integrating with their existing partners, such as banks, card networks, or insurers.
What’s Next for Veritran?
According to Jorge, the company is at a pivotal moment. Its technology is gaining traction in new verticals with strong investment appetite – such as entertainment and live events.
“These sectors have the budget and the ambition. No one’s serving them with the kind of Fintech-grade CX we provide.”
The company is also exploring opportunities in public transportation and other infrastructure-heavy sectors where transactions are frequent and still inefficient.
“Everywhere there’s a transaction, there’s an opportunity to simplify.”
FinTech is set to play an expanding role in everyday life whereJorge believes the very definition of FinTech is evolving.
“It’s not just about banks anymore. If you buy a coffee, book a train, or enter a concert – those are all transactions. And if we can simplify them, that’s FinTech too.”
That’s why Veritran sees future growth in collaborative ecosystems where banks, brands, and non-traditional players converge to serve the customer journey holistically.
Why Money20/20?
Jorge credits the annual Money20/20 Europe conference with helping shape Veritran’s partnerships – including the initial connection with Manchester City.
“It’s one of our top five global trade shows. We don’t just send a team – we send our top execs, including our CEO. It’s where deals happen.”
Building with Purpose for the Future
In an industry flooded with features and hype Veritran differentiates by staying grounded in user value.
“Tech for tech’s sake is meaningless. But tech that improves how someone lives, spends, or connects – that’s everything,” says Jorge.
From its Argentine roots to a global stage, Veritran’s journey underscores one enduring truth: In customer experience, the future belongs to those who build it with purpose.
FinTech Strategy meets with Seema Desai, COO at iwoca, to hear how customer experience is being redefined in a digital lending era
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Financial Transformation Summit 2025 EXCLUSIVE
At the Financial Transformation Summit, Seema Desai, COO at iwoca, spoke on a panel (alongside representatives from Zopa Bank and Citibank) about the shifting needs for customer experience in digital lending. How can lenders create hyper-personalised loan products to meet diverse customer needs? What are the best practices for maintaining a human touch in automated lending processes? How can lenders build and maintain customer loyalty in a competitive market? What role does omnichannel strategy play in delivering a seamless lending experience?
Following the panel, we spoke with Seema to find out more…
Hi Seema, tell us about your role at iwoca?
“I am the Chief Operating Officer at iwoca. We provide fast and flexible finance to small businesses across the UK and Germany. In my role as COO, I’m responsible for all of our UK operations teams. So, all of our agents that engage with customers throughout the customer journey. And I make sure that we’re offering a really high quality service that is also highly efficient.”
You were part of a panel at this Summit focused on redefining CX in the era of digital lending. Can you give us an overview of your thoughts?
“So, maintaining that personal touch is really important because that personal touch helps us to build trust with our customers. We all know that when dealing with money, that trust element is super important. There’s lots of things that iwoca does to maintain that. For example, every customer has a dedicated account manager. They can get through to them via a direct number. We also respond to emails fast, every email on the same day. And then we commit to answering at least 80% of calls in less than 60 seconds. We’ve got 10,000 new applications every month and about 30,000 customers making repayments currently. We’re doing all of this with an account management team of just 30 people. So, to maintain that level of personal touch whilst also being able to deal with that volume of customers, we absolutely have to leverage digital technology to be able to do that really efficiently. And there’s many ways that we do that…
“First of all, we make sure that our account pages and our signup flow is as clear and seamless as possible so that customers can self-serve if they want to. But we also make sure that with our operations activities, we’ve broken down every step of every operational process into a task that is visible on our in-house built CRM system. And then what we can do is run tests on every single step of those to see where having human interaction really adds the most value. So, we are constantly upgrading where we apply human interaction in a really forensic way to make sure that it’s optimised as much as possible.”
Why is this an exciting time for the business?
“It’s really exciting right now. We’ve been having some record months recently and broken some big milestones. We are now approving around 10,000 new business loans every month, which is huge. Our loan book across the UK is almost £1 billion. And then a bit closer to home, we’ve also just moved offices. We’ve got more space and we’re still able to attract exceptional talent into iwoca and it’s great to have a new home in central London to do that.”
What trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“Embedded finance is a big trend right now. It’s important for us to make sure that customers can access lending when and where they need it. We’re integrating lots of partners through our open API – around a third of our applications come through partner channels. So, that’s a very important trend and growing for us in the future. We’re also seeing a lot of hyper-personalisation. We know that customers want to be able to tailor loan products exactly to their needs, and we want our products to be able to provide that flexibility to them. We’re looking at increasing loan amounts, changing durations and offering different types of repayment schedules with interest only options. And that’s hugely exciting. And one of the big trends that I’ve heard about here at FTS, and which we are working on at iwoca, is how we leverage AI and what we might be able to do with AI to make us even more efficient, but still maintain an excellent customer service.”
What pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?
“So, it’s important to remember that iwoca exists in order to solve pain points for customers because customers were just relying on traditional lenders. Those traditional lenders, the big banks, have much longer application processes, typically taking weeks and sometimes just aren’t able to lend to those customers at all because it’s not within their risk appetite. Whereas at iwoca you can get a loan within minutes. We can also lend to customers that banks couldn’t lend to because we’re able to use data and data science to be able to understand the risk level and different customers much better.”
Tell us about a recent success story…
“We are operational in the UK and Germany, and a success story for us is the fact that we are now working with a loan book of almost a £1 billion and we are profitable. And we have been for quite a while now, since early 2023. So, it’s a real success story for us that we’re able to use that profitability to fund our core business growth but also use it to invest in solving other pain points for customers beyond lending.”
What’s next for iwoca? What future launches and initiatives are you particularly excited about?
“Yeah, there’s a lot of things that we’re working on right now. I’m excited about some of the AI tools that we are trialling to make our service even more efficient. There’s a number of exciting applications out there, so there’s a lot of people at iwoca exploring and exploiting different AI technologies. It’s going to be very exciting to see how that rolls out across our business in the rest of this year. And then also looking at new ventures that are beyond lending, which we may be launching later this year or early next.”
Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?
“Collaboration is hugely important to us and our business model. Traditional banks are able to access capital more cheaply than we can, but they’re able to provide us with access to their balance sheet so that they provide financing to us so that we can then lend to our customers. So, with their financing, we are able to use our data and our technology to reach customers that they wouldn’t be able to reach directly. At the moment, something like 80% of our funding comes from banks such as Barclays and Citi. So, they’re hugely important to us and we are continuously reviewing with them the performance of our own book and finding ways that we’d be able to lend to more of our customers.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for iwoca?
“This is my first time at this event, and I’ve been really impressed. It’s been really well organised and the panels have been insightful with some great speakers. I’ve learned quite a lot. I’ve met some really interesting people and I’m really impressed by the diversity of people that are coming here. So, I was just on a panel with somebody from Zopa, which is where I used to work. I also met somebody in the audience who came from Lloyd’s, which is where I worked about 15 years ago. So, it’s great to see that this ecosystem being brought together at FTS.”
Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities – making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion pounds in funding available to over 100,000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.
FinTech Strategy speaks with Jonas von Oldenskiöld, Head of Partnerships at Qover, about the future for the insurance industry
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Financial Transformation Summit 2025 EXCLUSIVE
At Financial Transformation Summit, Jonas von Oldenskiöld, Head of Partnerships at Qover, spoke on a panel (alongside peers from Davies Group, Accenture, Superscript and YuLife) entitled ‘Bridging the Gap: How InsurTech is Reinventing Traditional Insurance Processes’.
Following the panel, we spoke to Jonas to find out more…
Hi Jonas, tell us about your role at Qover?
“I’m the Head of Partnerships at Qover. We are focused on embedded insurance. We try to enable that for a lot of different players in the markets. Everything from motor insurance, SMEs, going the whole way down to simple things like classes[1] such as travel, trying to be the enabler between the typical risk carrier and the distribution platform.”
You spoke on a panel at the Summit about InsurTech innovation. Give us an overview of your thoughts…
“It was a very interesting group of people on the panel coming from different angles across the industry. And the key things for me were around where InsurTech needs to go now and how it enables insurance companies at this point in time. The common understanding was that we, the InsurTechs, come from being disruptors to being more of a force into them where we can plug in and help them to change a little bit the behaviours that are currently going on. Being that catalyst in the organisation and helping them to drive innovation. Because I think a lot of large organisations have realized that innovation cannot be driven by a single hidden team somewhere, it needs to be driven from a business perspective.”
Why is this an exciting time for Qover?
“I think there are many reasons. Of course, you cannot be at an event like this without speaking about AI and the opportunity that gives to us. Also, we’re seeing a generational shift. The industry needs to get ready to service a completely different type of customers going forward and that will drive a lot of exchanges we’ll see in the next couple years.”
What other trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“I think a key one is to be able to navigate the future role of AI regulation. That will be very interesting to see what opportunities are there and what opportunities would be possible to use. More importantly, I think it is taking data from something, using data from something that is good to have, to really put it in the forefront of the operation to start planning your business process from a data perspective. This is the data that we need to have in order to deliver a good product rather than having data as the outcome of the whole process. You have set up and try to do something from that perspective. So, we need to turn the table on that.”
What other pain points your customers are experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?
“They particularly need help with the UX and how to deliver the product. I think the underlying product itself doesn’t change so much, but it’s a lot about the delivery, making sure that it actually does get delivered at the point in time that we like to call events driven. So, for us it is distributing insurance when you have a life event, if that is having a child, buying a car, buying a house or whatever it might be, data can help us to drive that. So, for us it’s very much around the delivery rather than the product underneath.”
Tell us about a recent success story…
“We’re very proud that we now have several new motor programmes in place where we have been working with large motor organisations that have realized that they’re not only selling a car, they’re selling a means of transportation and convenience, which also then includes insurance across that whole journey. We recently announced partnerships with both Volvo and BMW. And we have more in the pipeline. So, I think that has been a great success where large established industries have realised they need to go further in order to have that UX design.”
What’s next for Qover? What future launches and initiatives are you particularly excited about?
“In 2025, our focus is on expanding into more new verticals. We are involved in driving that engagement to see where we can expand. We started traditionally with a lot of the travel organisation and bike providers. We’re now working with neobanks[2] , traditional banks and the motor industry. I also see more opportunities in areas like utilities, in SME supporting functions, everything from accountancy to data provision and being a software provider. These expansions will be the goal over the next 24 months.”
Why do you think the evolution of collaboration between industries and InsurTechs is set to continue? What are you excited about?
Partnerships is one of the key things changing the insurance industry. We still have some very large players around. They’re fulfilling their function, and they do it very well. But in order for them to adapt into the new situation, partnerships are important. You always need to be able to work at scale, which is important for them. Of course, with a partnership you lose a little bit of control compared to acquiring something or developing it yourself. But on the other hand you win on the speed to market and potentially also on the cost side. So, for me, the winners will be the ones that can handle partnerships in the right way. And at the end of the day, a partnership is a relationship. You can have as many contracts as you want, but it comes down to people.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Qover?
“We get a lot of good feedback and the great thing with events like this is that you have the chance to do networking both informal and formal. You’re having a formal agenda but also have a chance to rotate around. I always make sure to join the sessions and round tables. It has been interesting to speak to peers across the industry. It’s a good way of getting away from the desk and finding some new inspiration.”
Embedded insurance orchestrators… We’re creating a global safety net with insurance,
empowering people to live life to the fullest.
Qover was founded in 2016 by Quentin Colmant and Jean-Charles Velge. From the very beginning, our co-founders had a clear vision of the future of insurance: a simple, transparent and accessible service across borders.
Through embedded insurance, we can create a global safety net that protects everyone, everywhere. To that end, our embedded insurance orchestration platform enables any company to harness the power of technology to embed insurance as a native component of or add-on to their core product or service.
In doing so, embedded insurance becomes a powerful tool for businesses to enrich their value proposition, enable their success and care for their community.
FinTech Strategy meets Vikki Allgood, Director of Technology Strategy at Fidelity, to discuss the fundamental importance of culture in driving a successful business transformation
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Financial Transformation Summit 2025 EXCLUSIVE
At Financial Transformation Summit, Vikki Allgood, Director of Technology Strategy at Fidelity International, gave a keynote speech entitled ‘Psychological Safety – The Hidden Key to Transforming Your Business’. Following her appearance, we spoke to Vikki to learn more…
Hi Vikki, tell us about your role at Fidelity?
“I am Director of Technology Strategy for Fidelity. We’re looking at how we can ensure we can adapt our response to our business’ needs through our technology to meet whatever demand is coming over the horizons tomorrow. And in the years to come.”
You spoke at this Summit about psychological safety driving business transformation. Tell us more…
“At Fidelity, our strategy for our technology has culture as our foundational pillar. Talking with our leaders over the last 18 months, we looked to understand how we can create a brilliant culture, recognising that psychological safety is a fundamental element in that.
“Transformations often stumble because the business plan forgets its most volatile, and most valuable component, the people asked to deliver it. Without psychological safety, even well‑funded and organised programmes stall. Teams focus more on protecting themselves instead of challenging ideas. That’s when the risks remain hidden until it’s costly, and the collective new ideas to solve the biggest challenges are never formed. That’s why we ask leaders to invest time and energy in building a culture where it’s safe to question, experiment, challenge the status quo and admit what’s not working. In that environment the behaviours every transformation depends on (curiosity, creativity, problem‑solving, healthy challenge) all naturally emerge.
Psychological safety isn’t some new trendy HR slogan, it’s a timeless basic human need wired into our biology through millennia of evolution. When people sense social threat, the amygdala floods the body with cortisol and the prefrontal cortex (the part of our brain we rely on for reasoning, innovation, etc.) literally dims. Remove the threat, and the brain’s chemistry flips, dopamine and oxytocin rise, and teams move from cautious compliance to bold collaboration. Leaders must ask themselves if their teams can lean in and challenge effectively or if they are staying quiet to protect themselves. The hidden key is simple, but non‑negotiable, leaders must consciously, relentlessly and courageously build psychological safety through everything they do and say. If they do that, then your technology and transformation plans will have the human engine they need to succeed.”
Why is this an exciting time for Fidelity?
“I think that within the industry, all the opportunities that are coming along, and our ability to adapt to our customers’ needs, is what makes it exciting. We are all on an exponential curve of change. Technical possibilities, customer expectations, regulatory demand, industry landscapes, are all going to keep moving, with new challenges and opportunities presenting themselves. We are ensuring that we can meet those needs of our customers both today and tomorrow. Finding new ways to do that is pretty exciting.”
What trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“So, from a technology perspective, I would say that we are making sure that all our foundational elements are there so that we can respond and adapt. One of Fidelity’s differentiators is that we have historic long running relationships with our customers. We are reintegrating our data strategy to allow us to better leverage this, in addition to market data, allowing us to provide personalised solutions to our customers.
“AI is absolutely generating a buzz for us right now as well, and not just Generative AI. We’re seeing a push towards Agentic AI and how we can look to provide faster, quicker, more cost-effective services for our business partners who can then provide better outcomes for our customers. This in combination with our long-standing history gives us a unique opportunity.”
What pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?
“We need to understand the new generations entering the wealth space and what their expectations are and how they engage with us. We’re looking to ensure we can keep pace with their demands. For example, we’ve just launched Pay by Bank allowing our customers to pay money into their accounts in a faster more secure way. This feature leverages the Open Banking Technology that is now available to financial institutions.”
Tell us about a recent success story for Fidelity…
“Across the technology landscape, we have been amplifying our existing cloud strategy by removing complexity in our hybrid setup, reducing the number of dependencies back to on-premises. This is a well-known challenge for financial institutions who have regulatory reasons to have highly confidential systems in house. This will allow us to respond at pace to what customers need. Looking a couple of years down the line nobody can be sure what the next big opportunities are going to be, so ensuring we’re building that foundation to respond to what comes over the horizon is fundamental.”
What’s next for Fidelity? What future launches and initiatives are you particularly excited about?
“Security is incredibly important to us. With that in mind, we are exploring Quantum to understand both the opportunities and risks that it could present in the future and how we can stay at the forefront of it. Ensuring a secure and reliable service for our customers is an absolute non-negotiable part of our strategy.”
Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?
“I think the reality is that we need the collective mindsets to come together to create the best outcomes. We’re never going to have all the answers all by ourselves. So, starting to engage and work with people and collaborate means that we get to have a better, wider perspective. Coming to events like this, we get to learn, understand what other industries are doing, what other areas are looking at, and it helps to widen our perspectives and have more opportunities to find those out of the box ideas that are going to then help our customers.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Fidelity?
“I was particularly keen to attend this conference because I think transformation and how we can do this successfully is so important at the moment. The reality is, sadly, and I covered this in my talk, a staggeringly large number of transformations miss the mark or fall short. And so, learning and embracing how you can ensure that you go after it and you get the value that you’re aiming for, that is for me what’s important. As I said, getting that learning, talking to each other, understanding what’s worked, what hasn’t worked and sharing tips and techniques is actually incredibly powerful and something you can then take back and use at your organisation.”
It has been more than 50 years since we were founded. We’ve seen many market cycles – bull and bear, boom and bust. We have stayed the course through different investment environments regardless of market performance.
The needs of our customers have always steered our decisions, which is why we’ve stuck to our core activity of investing. We believe this is what allows us to excel – and, even more importantly, to repay the trust placed in us by our customers.
Whether you’re investing for the first time, or have a wealth of experience, it’s essential to be informed and to be comfortable with your decisions. Through Trustpilot, you can read up-to-the-minute, real-world reviews and see for yourself how Fidelity aims to put the customer first and make investing a bit easier.
Our do-it-yourself online services give you 24/7 access to our investment guidance, handy tools, and range of accounts from your computer, tablet or phone. Transfer your existing investments to us, or open a new account online and begin investing in just a few steps.
FinTech Strategy met with Standard Chartered’s Head of Digital Assets – Financing & Securities Services, Waqar Chaudry, at Money20/20 Europe to discuss how the bank is connecting traditional with digital, collaborating with FinTechs directly and via SC Ventures, and taking a measured approach to entering the crypto market
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Money20/20 Europe Exclusive
There is a buzz in the air at Money20/20 Europe. Waqar Chaudry, Head of Digital Assets – Financing & Securities Services at Standard Chartered, has just spoken on Mastercard’s Horizon Stage about the great digital assets opportunity. We meet up with him at his bank’s stand in the heart of the action at the Amsterdam RAI Arena.
Waqar works in custody to secure digital assets at Standard Chartered. It also has a fund accounting business and offers transfer agent services. “The financing in the Financing & Securities Services elements are in our FX Prime offering,” he explains. “At the moment my sole focus is on crypto custody, tokenisation and building an ecosystem around those products.”
The Rise of Digital Assets
It’s an exciting time for Standard Chartered with crypto custody and the rise of stablecoins and tokenisation… Whether the asset is Bitcoin, a tokenised money market, or anything tokenisable, there have been a lot of conversations with the bank’s partners in terms of the technology quest.
“Most of the conversations historically have been led by the fact that technology does give you the capability to do 24/7 trading and settlement. Risk management from the technology side is much better. The blockchain dream is sold to everyone, which remains true,” notes Waqar. “The issue has been that on the business side, tackling the areas that actually can work with this technology. You have your near instant settlement availability on blockchains. On the other side you have a T+1 or T+3 cash settlement time – that doesn’t gel very well.
“Entrenched in the day-to-day business of these really large institutions is to be able to inject a new piece of technology. And then suddenly say, hey, all these things are solved. For all the inefficiencies in the system it doesn’t work that quickly. We’re actually taking one step at a time. That’s why it’s exciting that we can see in five or ten years from now what the world will look like. Basically, in our vernacular that means we have near instant settlements and near instant international transfer of value. So, that’s the kind of stuff that we are really interested in for the future.”
Meeting the Blockchain Challenge
Waqar explains that when something like a blockchain comes into a traditional bank, and especially blockchains like the ones that support an asset like Bitcoin, you don’t know who the counterparties are (which are clear on the SWIFT network).
“You have to build capability from a technology side, operations side, risk management side,” he continues. “You need to develop the governance of all those functions to be able to get the value of the asset in the ecosystem. And then be able to add value to that to transact on it. We don’t yet have those ingredients, so it becomes very challenging for us to accept the assets. A lot of the work that the bank has done over the past five years has been around embedding those elements into our day-to-day operations. It’s about understanding the risk profile of the coins and understanding the risk profile of the blockchains.”
Waqar’s team works on how to protect the ecosystem from risks from both an AML and KYC point of view. “We’re also making sure that by doing that we don’t create such a burden to the client that the service becomes useless,” he adds. “We’re trying to balance that out and that’s where the challenges lie at the moment. The next stage is to also be able to integrate all of our traditional cash and assets rails into this. And that’s where the next level of risks will come in… Where people are not used to seeing things on the blockchain… They are used to seeing things on the SWIFT network or a CSD. But when the blockchains come in, profiles will change and that’s where we have to meet the challenges.”
Traditional Meets Digital
For an asset manager with a variety of equities and bonds, but keen to start in crypto and other digital assets, the rails are very different… “The liquidity venues and the way you settle the instrument are very different. And they don’t naturally talk to each other,” confirms Waqar. “It’s a big challenge. But to be able to go with the provider that has all the capabilities, which includes the cash side, the asset side, the crypto side and the blockchain side, is something people are looking for now. Without having the end-to-end picture, it would be very difficult for our clients to have an equitable strategy for their clients. We need to be able to service them appropriately based on the rails they operate in.”
Reacting to FinTech Trends
For Standard Chartered’s clients it’s increasingly important for payments to facilitate activity on-chain regardless of the use case of digital assets. “There is a key challenge with payments at the moment. If you do transfer value across geographies or between B2B and B2C, what do you do with that value afterwards?” asks Waqar.
“Are you going to keep it on the books for your treasury or account purposes or are you going to find a way to liquidate the position to pay your employees or pay your service provider? Without the capability to store the asset appropriately and then convert it into a usable form, you can’t do much with it. The only thing you can do is actually transfer value. So, for us what’s important in payments is that we get the transfer value happening immediately. Or as quickly as possible. And then also connect our payment infrastructure and the banking behind. We aim to support the transfer of value from a digital asset into an actual cash asset.”
Building on Success
Standard Chartered’s work with OKX in Dubai has spurred demand the bank didn’t expect. “The key ingredient is that a really large crypto exchange has come together with a really large bank,” reasons Waqar. “When you combine the product features of a large bank like ours with the liquidity of OKX it creates a unique proposition in the market. The traditional players have started to show interest in that because now they can buy diverse assets, pledge them as collateral and start trading while the assets remain safe in a genuine large institutional bank. And at the same time, they also have access to a highly regarded institutional exchange. That story is for us quite important and we’re fostering these relationships more and more…”
It’s been a real success story for Standard Chartered on the money market fund side which is also connected to what the bank is doing on the collateral side. “Money market funds are used to gain value and have an asset that does generate yield on the one side, but also the capability to use the asset as collateral is important,” adds Waqar.
“The money market fund that we launched for China Asset Management in Hong Kong, albeit it’s a retail use case for a start, but then the ambitions are big. The next thing is how do we start using that same asset for pledging for trading purposes and then how do we inject that into a portfolio basket of assets that people buy? At Standard Chartered, we aim to create a supermarket of tokens in a centralised ecosystem. So, our collateral story and the tokenised money market funds is connected, and we want to continue building around it. We’re thinking about other assets now too… We’re looking at equities, bonds and enabling more cryptocurrencies in the same ecosystem as well. It’s just the start of all the things we need to build in the future.”
Why Money20/20?
“This is my first time coming to Money20/20 Europe. Digital asset companies are here alongside financial services and related FinTechs. It’s great that they’re able to talk to each other and it’s quite evident there are lots of great meetings happening. There are many companies here we are either supporting or we’re working with. We’ve also had meetings with UK government representatives geared to attracting talent into the country. They’re trying to make sure that their FinTech ecosystem grows quite significantly for us in the UK and for other footprint markets in Asia; Middle East and Africa are also quite important in how we do that and continue to grow.”
The Evolution of Collaboration between Banks and FinTechs
Standard Chartered is also working in harmony with its ventures partner SC Ventures. The bank is working closely with Libeara for tokenisation and with Zodia Custody as Saas. “Our core institutional bank and our Ventures business are quite tightly coupled from that point of view,” says Waqar. “And it’s quite obvious that the reason for that is how we’ve made significant investments into them. We’ve given part of our DNA into this ecosystem and now, at the bank, they’re building the ecosystem around these capabilities, so we’re keen to bring them in and use their solutions for our services as well.”
Standard Chartered may be a traditional bank but it is a seasoned collaborator with innovative FinTechs. “They need traditional services too,” reasons Waqar. “Once they get to a critical mass, a FinTech may not have the bandwidth to manage certain client sizes. By partnering with some of the FinTechs, we’re seeing that once a certain size of a client comes in, they prefer to work with a large institution like ours. So, that partnership is proactively managed as well from our side. From our ventures side, bringing their innovative approach to product development and technology into the bank, building the ecosystem around risk management and governance from the bank side and then connecting into the FinTechs outside of that ecosystem is something I think is quite an interesting proposition for us. We’re going to keep building on top of that.”
Standard Chartered – Financing & Securities Services
Promoting your future in global securities
We’re ready to help you flourish in emerging and frontier securities services markets
In today’s fast-moving markets, especially across Asia, Africa and Middle East, success isn’t just about the solutions you choose – it’s about the partnerships you build.
Standard Chartered has been committed to these regions for decades. We understand both the promise and challenges. That’s why we go beyond delivering end-to-end custody, fund, and fiduciary solutions – we actively help shape the markets themselves.
By working with local governments and industry associations, we bring you early insights and access to new opportunities. Partnering with leading asset managers, fintechs, and infrastructure providers, we connect you to the best of the industry, via a single partner. Because in a world of complexity, collaboration is your greatest advantage.
FinTech Strategy meets Ishtiaq M Ahmed, Senior Product Manager – Emerging Tech, Innovation & Ventures at HSBC, to learn more about the future of payments – real-time, cross-border and beyond
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Financial Transformation Summit 2025 EXCLUSIVE
At the Financial Transformation Summit 2025, Ishtiaq M Ahmed, HSBC’s Senior Product Manager, for Emerging Technology, Innovation & Ventures, joined a panel with J.P. Morgan, Revolut, Lloyds and EY to explore how real-time payments, embedded finance and global collaboration are shaping the future of financial services. How are real-time payments reshaping banking infrastructure? What are the regulatory challenges for cross-border payments? How can banks compete with FinTechs in the rapidly evolving payments space? How are digital wallets and mobile payment platforms changing consumer spending behaviours?
We spoke with Ishtiaq after the session to explore what drives HSBC’s approach to innovation, how customer expectations are evolving, and why trust remains at the core of transformation.
Hi Ishtiaq, tell us about your role at HSBC?
“I work on Global Product within HSBC’s Emerging Technology, Innovation & Ventures team. Our focus is to deliver next-generation propositions, particularly across payments, embedded finance and frontier technologies. We work on horizon 2 and 3 initiatives, with a view to turning emerging ideas into viable, scalable solutions. The goal isn’t just to experiment. It’s to test, validate and shape innovations that will help us serve customers better and redefine how financial services operate in the years ahead.”
It’s a transformational time for payments with the rise of open banking and a national vision for the UK. Give us your overview…
“Payments is possibly the most loved area by both FinTechs and banks. A lot of what is happening in payments, it’s where a lot of meaningful innovation is already landing. It’s no longer theory or ideation, its practical and accelerating. The UK’s National Payments Vision is ambitious, and rightly so. But ambition needs alignment. We need stronger collaboration between Banks, FinTechs, Regulators and infrastructure service providers. This journey will take time and coordination. It’s more a marathon than a sprint, and we’re only just getting started.”
Why is this an exciting time for HSBC?
“Simply because the way technology has penetrated our lives and the influence of technology on how banking is evolving are very closely knitted. Technology is no longer on the edges of banking; it’s embedded in every customer interaction.”
What trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“The shift towards alternative payment methods is one I feel strongly about. For decades, the path was linear: cash to cheque to card. Now, we’re entering a new chapter. Pay by Bank, or direct account-to-account payment, is gaining traction. Some regions have already scaled it. In the UK, it’s about to accelerate. This trend will unlock lower costs, faster movement of money and better control for users. It’s not just about technology. It’s about user experience and future-ready infrastructure.”
What other pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?
“I think for customers it’s very simple. As a customer myself, I look for speed, ease, and simplicity in everything that I do. That’s universal. But what makes it complex today is the influence of AI, automation and data. People want innovation, but not at the expense of trust. So, while we innovate, we keep trust as the anchor. The real test is whether customers can do more, faster and easier, while still feeling their money is protected and their experience is safe. That’s the balance we aim to strike.”
Tell us about a recent success story…
“We’re particularly proud of the work we’re doing on embedded payments. The goal is to make payments feel invisible – integrated into the environment the customer is already in. Whether that’s a retail website, a social app or a business platform, customers shouldn’t have to toggle across apps to complete a payment. We have already launched products in this space, and we’re continuing to build. It’s about making banking ambient – present where the customer is, not where the bank wants them to be.”
Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?
“FinTechs bring urgency and imagination. Banks bring trust, infrastructure and scale. The opportunity is not in competing, but in co-creating. We have seen some encouraging partnerships, and we’re still working at the surface level. There’s a much deeper layer of value if we can move beyond tactical deals into genuine joint innovation.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for HSBC?
“Events like this are important because they bring together different voices with a shared interest in shaping the future. What stood out to me is how open the audience and panellists are to challenging ideas and exploring new perspectives. These are places where real conversations happen; where you meet regulators, banks, FinTechs and enablers all under one roof. It’s these intersections that move the industry forward.”
About HSBC Emerging Technology, Innovation & Ventures
HSBC Emerging Technology, Innovation & Ventures team is a global group of technologists, data scientists and venture specialist dedicated to shaping the banks future capabilities. Our goal is to deliver world class digital-first banking across HSBC’s global footprint.
Our mission is to drive meaningful innovation across the organisation by identifying and unlocking opportunities that enhance customer experience, improve operational efficiency and embrace disruptive technologies.
Our approach is rooted in experimentation, rapid prototyping, continuous iteration. By working closely with both internal and internal partners and external collaborators, we test and refine new ideas, prioritising solution that are scalable, impactful and aligned with the needs of our customers.
We actively partner with leading technology firms, FintTechs, academic institutions and policy makers to stay at the forefront of digital innovation and accelerate time to market.
By combining the scale, trust and resilience of HSBC with agility and mindset of a tech start-up, we aim to nurture transformative ideas, drive strategic innovation and shape the future of banking.
FinTech Strategy speaks with Matt Bazley, Account Executive at Hyland, to explore how the content intelligence and process automation specialists are helping to drive operational efficiencies for their financial services clients
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Financial Transformation Summit 2025 EXCLUSIVE
Hyland empowers organisations with unified content, process and applications intelligence solutions, unlocking the profound insights that fuel innovation. The Hyland team was at Financial Transformation Summit to reveal the ways organisations can transform their processes with the Hyland Content Innovation Cloud™. By combining AI-powered automation with built-in integrations to productivity tools and business applications, Hyland streamlines workflows across multiple channels, accelerating response times, boosting productivity and improving customer satisfaction.
At the event, Neil Rayment, Sales Solution Engineer, demonstrated the intuitive end-user experience and showed how easy it is to configure, tailor and deploy solutions that can empower key stakeholders across any business. We spoke to Hyland’s Matt Bazley, Account Executive for Financial Services, to find out more…
Hi Matt, tell us about your role at Hyland?
“I’m the Account Executive responsible for banking across the UK and Ireland. I’ve been with the company for just over 18 months. Across my career, I’ve been helping financial services institutions for over 15 years with digital transformations and various programmes.”
What are the key digital transformation solutions Hyland offers Financial Services organisations? How are they making a difference? What are some of the use cases you’re exploring?
“Hyland is at the cutting edge of the content space. We have what we call our Content Innovation Cloud, which is delivering content intelligence, process intelligence and application intelligence. What that means in reality is that we’re helping organisations get access to their content that they don’t currently have access to because it’s spread over many siloed systems and sat in an unstructured format. So, with our content and intelligence, we’re able to get access to that unstructured data, which is around about 80% of an organisation’s data in the financial services sector. And we’re able to then provide knowledge and insight on that content, which helps organisations to make better strategic decisions. Allied to that, with this process intelligence, we’re able to help automate processes across the business. Whether it be orchestrating use cases and workflows or integrating with other systems to deliver application intelligence, we’re able to manage that whole end-to-end life cycle of information across an organisation.”
Why is this an exciting time for the business?
“We’re excited because our strategy is really leading the way. We’re leveraging large language models (LLMs) and AI to be able to deliver these real-life use cases that solve actual challenges. A lot of the time AI projects fail because businesses are trying to implement AI that isn’t actually a solution solving a problem. Whereas the AI we’re using is to actually solve a real-life challenge that businesses face because they want to be hyper-personalised for customers and more customer-centric. And you can’t really do that if you’re only leveraging 20% of the data you hold about your customers. And that’s why getting access and insight around this unstructured data is really vital for financial services organisations right now. We are able to help them leverage that unstructured data and meet them where their data is at. So, it’s not a case of having to migrate all of that data into different platforms or into our platform. We confederate across your information wherever it’s held as a financial services organisation; and that’s really a game-changing position for us and for the industry.”
What trends are you seeing across the Financial Services landscape? What will be important for you and your customers?
“AI is the big one. Although it is a bit of a buzzword that everyone’s mentioning nowadays, we’re actually delivering AI solutions to solve problems that businesses face. And that’s one of the real trends in the industries. Most AI projects fail, and companies want AI projects that succeed and deliver real value. The other thing we’re seeing is the rise of hyper-personalisation as part of being really customer-focused and customer-centric. Again, by helping businesses leverage that 80% of information around their customers that they don’t currently have access to, and provide insights on that information, we’re helping those organisations to become really specific and personalised in their dealings with their customers.
“The final piece is around data and governance. So, security around our data as customers, because we’re all consumers at heart and want to know that our information is secure. Using best-in-class processes around security and governance is what we’re really focused on. And that’s a real trend in the market as well. We’re making sure that while we’re leveraging that information about customers, we’re keeping it safe and only using it for what it’s intended for and making sure the processes and governance around that information are really robust.”
What other pain points are clients in the FS space experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?
“The one big one is the siloed information across multiple systems as part of digital transformation strategies. Over the years, I’ve seen many businesses implement point solutions. They might be best-in-class point solutions… But that means you end up with information and data and processes across 10, 15 or 20 systems. How do you then unify that data and leverage it to make the user journeys more effective? And also the customer journeys better, whatever channel those customers are using?
“What we see is that while trying to be omnichannel for their customers, organisations end up with multiple solutions. One for their mobile app, a solution for their website, a solution for in-branch banking… So, you end up with omnichannel processes that are actually siloed processes. What we are trying to help businesses do is to unify those processes. We can break down those silos and make it a really seamless, integrated journey internally and externally for colleagues and customers.”
Tell us about a recent success story …
“A great example is our work with ABN AMRO – a bank that is one of our longstanding and valued customers. They were looking for a solution because of this very challenge. The bank had multiple siloed systems holding a lot of information and a very complex architecture. They went to market and Hyland was able to prove our solution was able to manage the sheer volume and complexity of the information and content that they had. And most importantly we were able to help them integrate with their line-of-business systems very easily to create that seamless internal/external journey for both users and customers.”
What’s next for Hyland? What future launches and initiatives are you particularly excited about?
“It’s all about continuing to grow for us. With the Content Innovation Cloud, the reception we’ve received from the market, from our customers, has been absolutely tremendous. Businesses are so excited to see the ability and capability of what we’re able to do. And what we’re able to deliver for them in terms of real value through the Content Innovation Cloud. We’ve got customers onboarded already. It’s now about expanding that list of customers who are going to see real value from leveraging the cloud, our AI solutions and driving efficiencies with our content process and application intelligence across their businesses.”
Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?
“Across the market over the last 15-20 years the banks are starting to see FinTechs more as allies than competitors. And they’re leveraging these technologies rather than trying to challenge them. I think that’s going to continue because FinTechs are far more agile. And as customer expectations continue to evolve and become more demanding, banks need to evolve and deal with these demands more effectively and more fluidly. And that’s why leveraging FinTechs is going to be a key differentiator over the next 10 years. That trend is going to continue where banks and FinTechs work together and collaborate rather than challenge each other.”
Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Hyland?
“It’s my fourth year coming here with a couple of different companies and I always find this event really valuable. Not only to obviously promote our products and our brand… But to speak to key decision-makers and peers across financial services. We aim to learn from them about whether the challenges we perceive as a vendor are seen by them as a customer. We will continue to learn and evolve our business around key market challenges. Hyland can then focus our solutions around the real-world problems our peers are seeing across financial services. Coming to this event is a great way to meet as many people as possible. And just really enjoy having those meaningful conversations with leaders in the financial services sector.”
Hyland puts your content to work, making it smarter and more accessible in the moment of need.
Hyland’s content, process and application intelligence solutions empower customers to deliver exceptional experiences to those they serve. The solutions capture, process and manage high volumes of diverse content, helping you improve, accelerate and automate operational decisions and workflows.
On October 30th, 2025, London will play host to the National DevOps Awards — the preeminent event recognising excellence in the DevOps and QA sector.
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For almost a decade, the DevOps Awards have celebrated innovation and excellence in DevOps, recognising the hard work and achievements driving the sector forwards year after year.
The independent awards program highlights leaders who are shaping the future of DevOps, as well as providing unmatched opportunities for networking with other industry leaders.
Award categories
This year’s awards honour industry leaders in the following categories:
Most Innovative Project
Best DevOps Project Delivering Outstanding Business Value
Entries opened on the 10th of March, and will close on the 19th of October. During judging week, a category or categories will be allocated to the most relevant judge based on their job function, experience, and/or request. The elite panel of judges have a week in which to mark, review and send back all scores and feedback in advance of judging day.
To make it through to the finals a minimum score must be achieved – if the minimum score is not reached the journey ends for that entry/company. Judging day is a collective meeting involving only the judges in a private location. The shortlist of the top two scoring entries across all categories is reviewed and all judges unanimously decide what entry is the winner.
The judges announce the finalists a day after judging day and winners on the 20th of October at the gala dinner.
Reaching the shortlisted is a significant achievement in of itself. The awards are open to businesses of all sizes, as well as teams and individuals worldwide. With 16 diverse categories, judges evaluate entries against a clear set of criteria, ensuring fairness and prestige.
The awards offer a unique platform to showcase your expertise, gain visibility, and connect with top professionals in DevOps and quality engineering.
Attendees will meet in London on October 30th this year and share your insights with some of the brightest minds in the field.
Held between July 22-23, 2025, in London, the National Software Testing Conference brings together the industry professionals and leaders shaping the future of the software testing, quality assurance, and quality engineering sectors.
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The National Software Testing Conference (NSTC 2025) is the UK’s premier gathering for professionals in software testing, quality assurance, and quality engineering. Held at the De Vere Grand Connaught Rooms in Holborn, the event is a two-day gathering of the industry veterans and leaders shaping the future of the sector, with unparalleled opportunities to learn, share ideas, and network within the industry.
With artificial intelligence reshaping how we test and assure software quality, this event couldn’t be more timely.
Attendees can expect to hear from industry visionaries shaping the next generation of QA. They will participate in hands-on AI-driven workshops, and learn about the future of quality engineering in sessions led by the people shaping the future of the sector.
NSTC 2025 is a launchpad for innovation, designed to equip industry professionals with practical skills and forward-looking strategies. For anyone working to navigate the shifting trends, challenges, and opportunities reshaping the 2025 technology landscape, this event is a must-attend.
Digital DNA – Exploring core infrastructure, platform strategies, and foundational technologies.
Embedded Intelligence – AI, machine learning, data strategies, and real-time analytics.
Beyond Fintech – Partnerships between fintechs and other sectors like retail, health, and climate.
Governance 2.0 – Regulation, digital identity, privacy, and ESG compliance.
Day three featured more impactful sessions across all four pillars, offering attendees more valuable insights and strategies for innovation.
Highlights from Key Sessions at Money20/20 Europe:
How to Create and Leverage FinBank Partnerships
The discussion focused on the evolution and success of FinTech partnerships with banks. Key points included the shift from transactional partnerships to more collaborative, value-driven relationships, emphasizing joint KPIs and product creation.
Alex Johnson, Chief Payments Officer, Nium
“You really have to differentiate. You really have to stand out for a bank to say, ‘Yeah, I like what you offer enough to go through, six months of onboarding.’ Dare I say, maybe more.”
John Power, SVP, Head of JVs & AQaaS, Fiserv
“The legacy system, it’s a fact of life. They’re there. They’re pervasive. They’re going to be here for a long time, and banks historically have made huge investments in those platforms and systems. So I think both the challenge for the for the bank and the opportunity for the FinTech is, how do you at the front end of those legacy systems develop new products that can scale and that you can bring cross border easily and readily.”
“It really is cutting the line to be able to deliver opportunity for customers and to be able to expand propositions for new customers.”
“The economic development supply chains shifting to low to middle income countries are incredibly important right now, and cross border payment rails have not been good in low middle income countries.”
Where Fintech goes Next: Tapping into Platforms and Verticals
The discussion centred on the democratisation of financial services through embedded finance. The panel emphasised the importance of data quality, personalisation, and strategic partnerships in delivering seamless financial experiences – ultimately enhancing customer satisfaction and improving business efficiency.
“Embedded finance is going to be defined by region and use cases.”
Amy Loh, Chief Marketing Officer – Pipe
“Small businesses don’t want to manage their business through a bunch of different tools that are stitched together. They’re looking to platforms to do everything for them and keep high end services.”
“Most platforms or merchants out there trying to diversify revenue, and they will get auxiliary revenue, or maybe get primary revenue through FinTech activity.”
The Neobanks Strike Back
In a dynamic exploration of neobanking’s evolution, Ali Niknam revealed bunq’s remarkable journey from a tech-driven startup to a sustainably profitable digital bank. By leveraging AI across every aspect of their operations, bunq has transformed traditional banking, reducing support times to mere seconds and creating a hyper-personalised user experience. Niknam emphasised the power of user-centricity, showing how innovative features like simple stock trading and multi-language support can democratise financial services.
The bank’s strategic approach – focusing on user needs rather than investor expectations – has enabled them to expand thoughtfully, with plans to enter the UK and US markets. By embracing technological change and maintaining a relentless commitment to solving real customer problems, bunq exemplifies the next generation of banking.
Ali Niknam, Founder & CEO, bunq
“Somewhere in the 70s, we let go of the gold standard, and now currencies are basically floating. The only reason why a dollar or a euro is worth what it’s worth is because of trust and perception. Philosophically, it’s very logical that we have found another abstraction layer by introducing stablecoin, which is not much else than a byte number that has a denomination currency as a backing asset that itself doesn’t have anything as a backing asset. A lot of people might ask, ‘Why would you need a stablecoin? We have euros. I go get a coffee, pay with Apple Pay or cash.’ But there are many countries on this planet where the local currency is not stable. If your country has an inflation rate of 30,000% like Zimbabwe, you would really love to use a different currency. The US dollar has been the currency of choice, but as a normal person, you cannot access the US dollar. A US dollar stablecoin that you can access by simply having a mobile phone – that’s going to be transformational for large groups of people.”
Innovating When Regulation Can’t Keep Up: Lessons from NASA
Lisa Valencia covered an array of topics, from her 35 year career at NASA and Guinness World Record to the rise of private entities like SpaceX, which has launched 180 missions this year, and the increasing role of public-private partnerships in space exploration. The speaker also touched on international collaborations, particularly with the European Space Agency and the Italian Space Agency, and the potential for space tourism and colonization of the moon.
Lisa Valencia, Programme Manager/Electrical Engineer – Pioneering Space, LC (ex NASA)
“Back in the day, NASA got 4% of the national budget. Now it’s down to just 0.1%, so we’ve had to get creative with private partnerships. SpaceX is the perfect success story. They came to us in 2007 needing money after some rocket mishaps, and look at them now! From my balcony, I see their launches every other day. They’re planning 180 launches this year alone.Talk about a return on investment!”
“We’re planning to colonise the South Pole on the moon. The idea is to extract water and hydrogen from the regolith—both for living there and for fuel.”
Scaling Internationally in 2025: Funding, Innovating, and Breaking into New Markets
The conversation focused on the growth and strategy of fintech companies, particularly those with a strong presence in Europe and the US. The panel featured Ingo Uytdehaage, CEO and co-founder of Adyen, and Alexandre Prot, CEO of Qonto. Both leaders expressed a preference for organic growth over acquisitions, emphasizing the importance of scaling efficiently before pursuing an IPO.
Ingo Uytdehaage, CEO and co-founder of Adyen
“I think an important part of scaling a company is not just thinking about your product, but also considering the markets you want to address, and how you ensure you become local in each country.”
“We realised over time that if we really want to bring the customers, we need to have the best licenses to operate. A banking license gives you a lot of flexibility.”
“Being independent from other companies, other financial institutions, that gives you flexibility to build what your customers really want.”
“I think it’s very important, also in Europe, that we continue to be competitive. If you think about regulations and AI, we shouldn’t try to do things completely differently compared to the US.”
Alexandre Prot, CEO of Qonto
“We need to be very strict about tech integration and avoiding legacy which slows us down.”
“We still need to scale a lot before we have a successful IPO. A few team members are working on it and getting the company ready for it. But, the most important thing is just scaling efficiently in the business, and maybe an IPO would be welcome in a couple of years.”
Putting The F in Fintech
The panel discussion focused on the role of women in FinTech based on personal experiences.
Iana Dimitrova, CEO, OpenPayd
“At times, being underestimated is helpful, because if you’re seen as the competition, driving an agenda is becoming more difficult. So what I found, actually, over a period, is that bringing your emotional intelligence, leaving the ego outside of the outside of the room, and just focusing on execution is is incredibly helpful.”
Megan Cooper, CEO & Founder, Caywood
“The moment we start defining ourselves as like a female leader or a female entrepreneur, you almost kind of put yourself in a bit of a box. And so I think just seeing yourself on an equal playing field and then operating it on an equal playing field and interacting in that way is quite advantageous.”
“We can’t just want diversity and hope it happens. We actually have to be intentional about creating it.”
Valerie Kontor, Founder, Black in Fintech
“Black women make up 1.6% over the FinTech workforce, but when we look at the financial reality of black women by the age of 60, only 53% of black women have enough money in their bank account to retire. We need to start marrying people in FinTech and the people that we need to serve.”
Money20/20 Europe 2025 closed its doors but the next edition of the conference will return to Amsterdam from June 2–4, 2026, promising to continue the tradition of shaping the future of financial services…
From June 9-13, London Tech Week gathers investors, enterprises, and startups from around the world to network, learn, and solve the most pressing challenges facing the IT sector.
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London Tech Week 2025 is coming. The event will take place from June 9–13 at Olympia London, and is one of the world’s largest tech events, drawing over 45,000 attendees from across 90 countries. Designed to bring together the innovators creating the technologies of the future, the investors who fund them, and the enterprise tech leaders who adopt them, the event is one of the most impactful gatherings of tech professionals in the industry.
“Innovators. Investors. Tech giants. The visionaries applying new tech to solve the world’s biggest problems. Enterprise tech leaders who are creating solutions to make work easier and life more fun,” according to the event website. “They all come to London Tech Week to see where tech will take them next.”
This year, London Tech Week is expanding, occupying double the space at Olympia, new features and a whole new experience. Keynote and expert speakers at this year’s event include: Dame Melanie Dawes, Chief Executive at Ofcom; Darren Hardman, Corporate VP & CEO at Microsoft UK; Dr Jean Innes, CEO of the Alan Turing Institute; Sir Tim Berners-Lee, inventor of the World Wide Web; renowned science educator and broadcaster, Professor Brian Cox; and many, many more.
This year’s event targets key demographics across the tech space, including…
Startups
Attending this year’s event are future unicorns, top investors and the tech leaders of tomorrow. Attendees have the opportunity to connect with visionary founders from some of the UK and Europe’s most exciting startups, and learn how they’re approaching funding, scaling, and solving some of the world’s most pressing challenges.
Enterprise
Attendees will also have the opportunity to learn how large corporates are pushing the boundaries of innovation by embracing emerging technologies. This year’s London Tech Week will feature insights from top industry leaders about how they are driving productivity, efficiency, and competitiveness across various sectors.
Investors
London is home to a world class investment ecosystem, with VCs, CVCs and angel investors. Many will be attending this year’s event — on the lookout for their next venture. The London Tech Week 2025 enhanced app is designed to help startups and other investment-seekers find people with the right profile in order to maximise their time at the event.
“London Tech Week is THE gathering spot, not even in London or in the UK, but in Europe. You can meet wonderful tech companies here.” – Canva
Image courtesy of London Tech Week 2025
The Fringe
The London Tech Week Fringe Event programme takes place from 9 – 13 June across London, featuring smaller organisations and niche topics you won’t find on the more mainstream technology conference circuits. The event’s partners cover a wide range of topics from emerging areas to established industry trends. This year the event it featuring fringe events covering SpaceTech, Healthcare, Areospace & Automotive, Investment, AI, Entrepreneurship, and more.
Learning Labs
Back for its second year at London Tech Week, the Learning Labs offer diverse content and learning opportunities. These sessions, presented by our leading event sponsors, cater to all experience levels. Learn about The Tech Lifecycle, AI and Data Integration, Natural Intelligence, Building a Strong Digital Core, and more. Learn more about attending London Tech Week 2025 here.
Security, AI, and Digital Resilience: A look inside Visions CIO + CISO
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The cybersecurity landscape has never been so fast-moving or complex. The stakes have never been higher. A worsening geopolitical reality and increasingly sophisticated cyber threats mean that the role of security leaders is more pivotal than ever as devastating cyber breaches become a matter of “when,” not “if.” It’s a time for information and skill sharing, networking, and collective action in an industry facing a more challenging future than ever.
Visions CIO + CISO Summit brings together executive security and technology leaders and experts from the largest organisations in multiple industries to network and learn from the people driving innovation in the IT and cyber spaces. This year’s event took place between April 28-30, and featured 8 tentpole sessions, over 30 presentations from key industry figures, and more than 30 speakers across the various panels, fire-side chats and peer-to-peer round tables that comprise the rest of the event. Speakers and solutions providers at this year’s event included Illumio, Threatlocker, LastPass, Claranet, Okta, Covertswarm, Intruder, and Ripjar RPC Services. Also in attendance were IT and security professionals from large scale enterprises, including Currys, Astley Digital, 24/7 Home Rescue, H&M Group, IBM, MUFG (Mitsubishi Financial Group), Federated Hermes, Deliveroo, Experian, Saint-Gobain, and Nordea GSK.
At the event, and afterwards, we were lucky enough to catch up with some of the leaders speaking at Visions and get their perspectives on key trends affecting the IT space — from the ever-relevant issue of security to AI and digital resilience.
1. What’s the general outlook for the IT and fintech sectors right now? Is this a scary time? An exciting one?
“It’s an exciting time, particularly within the UK banking sector, where we’re seeing a real shift toward customer-centric innovation. Financial institutions are working hard to deliver seamless, secure, and personalised experiences—often by leveraging cloud, AI, and advanced analytics.”
“There’s a strong emphasis on modernising legacy systems, improving digital onboarding, and enhancing fraud prevention without compromising user experience. This push for technology-driven customer satisfaction is creating space for smarter, faster, and more agile solutions—making it a great time to be contributing to the evolution of digital trust and transformation in financial services.”
2. What are some of the challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“Many organisations are grappling with how to secure cloud environments at scale without slowing down innovation. Key challenges include visibility across hybrid or multi-cloud setups, managing identity and access with precision, and operationalising zero trust.”
“There’s also a strong demand for integrating security earlier in the development lifecycle—what we often refer to as shifting security left. People are asking how to reduce complexity, automate controls, and move away from reactive postures to proactive, real-time risk mitigation.”
1. What kind of outlook does an organisation like Federated Hermes have right now towards the industry? Is this a scary time? An exciting one?
2025 is shaping up to be a very dynamic year for the markets at large. There are rapid developments, from geopolitics to booming technology innovation with AI, that are impacting how the markets move as well changing the environment we operate in as a business. As a global asset manager, Federated Hermes is staying abreast of these changes to ensure we can be where the markets are, whilst maintaining efficiency in our operations for strong profitability.
2. What problems are people asking you to solve right now?
The ever changing world of cyber has historically been difficult for businesses to decipher. In the last few years, it has become even more difficult to keep up, with the advent of AI and how it is changing the technology landscape. Whilst businesses are trying to understand this new technology and embed it into their products and operations, cyber-criminal enterprises are leaping ahead in innovation and starting to leverage it in novel ways. The challenge this brings is two-fold.”
“On one hand, businesses are trying to find the right use cases for AI to get their return on investment at every level. This applies to core business functions, as well as Technology departments and the Security organisations. As cyber strategists we are now being forced to be innovators ourselves and not just passive consumers of the latest products and market trends. This brings a new perspective to how we design controls, build our roadmaps and prioritize our budget items. Boards and executive teams are looking for Security teams who are embracing AI and maximizing the effectiveness and efficiency of their programmes.”
“The second challenge is on the defensive side. The average person, as well as the average corporate employee, is lagging behind in understanding what the latest AI models are capable of, let alone understanding how they can be used to conduct cybercrime. Working in security, we find ourselves in a situation where we both need to find ways to keep up with cyber criminals to defend our enterprises, as well as keep educating our staff and management teams so that we can bring them on this journey.”
1. Would you say this is an exciting time for Astley Digital?
“Astley Digital is at a pivotal point in its journey, experiencing remarkable growth and expanding our service offerings. We’re actively exploring partnerships with innovative cybersecurity companies like ThreatLocker, enabling us to provide even more robust endpoint security solutions for our clients.”
“Additionally, the evolving landscape of cybersecurity is presenting us with unique opportunities to leverage AI for predictive threat analysis, streamline incident response, and enhance our managed security services. This moment is particularly exciting as we are positioning ourselves not just as a service provider but as a thought leader in cybersecurity strategy, risk management, and digital transformation for businesses across various sectors.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“Organisations today are grappling with a rapidly changing threat landscape, and one of the most significant challenges is maintaining a strong cybersecurity posture amidst evolving threats. At Astley Digital, we address critical issues such as:
“Endpoint Security: Many organisations struggle with managing endpoint security across remote and hybrid workforces. We provide comprehensive solutions that restrict unauthorised software and applications, preventing potential breaches and maintaining data integrity.”
“Third-Party Risk Management: Ensuring third-party vendors maintain security standards is another pressing concern. We work closely with our clients to assess, monitor, and mitigate third-party risks to prevent supply chain attacks.”
“Incident Response and Recovery: Companies are seeking rapid and effective incident response strategies. We offer real-time monitoring, response planning, and post-incident analysis to minimise business disruptions.”
“Regulatory Compliance: Compliance is a growing concern, especially in highly regulated industries. Our team assists with implementing frameworks that align with industry standards, ensuring data protection and reducing legal risks.”
“We are really fortunate to have reach and presence with clients across different sectors. We have professional service specialisms that respond to many of the trickiest and most important strategy and skill challenges that clients face; technology, cyber security, AI, data, and digital regulations to name a few. Not only is it a great time to be helping clients with those issues and helping them make their businesses more capable, effective, successful and resilient, from a selfish perspective it’s an incredible privilege for our people to be trusted by clients to help with these super interesting initiatives.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“We help clients with everything from assessing and improving their resilience positions, to complying with the intersections of a range of existing regulations, frameworks and standards, through to future gazing and thinking about what’s possible through challenging the status-quo.”
“Lately that has included a lot of work on things like AI readiness, development of use cases, working on AI explainability and the human element of potential resistance to the kinds of change that AI and other emerging tech are delivering.”
“Of course an evergreen core of our work is digital resilience, including cyber security, so we do a lot on ensuring that new technology adoptions including those with AI sprinkled throughout them, are digitally and operationally resilient by design.”
“We’re at a turning point where AI is no longer a side conversation—it’s embedded in the way Deliveroo operates. That shift brings real momentum and urgency to the work we do in securing AI adoption and protecting digital environments.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“The main concern is how to adopt AI without opening the door to unmanaged risk. Businesses know they can’t sit this one out, but they’re looking for help building the right guardrails to manage risk; especially with evolving regulation and the rise of AI-powered threats like deepfake vishing and advanced phishing.”
1. What are you here at Visions to discuss with your peers in the cybersecurity and IT space?
“The first panel I was part of was the Threat Detection & AI Panel Discussion. We were looking at establishing trust, mitigating risks, and safeguarding security in the age of AI. I focused on how to balance the benefits of AI with the challenges of building trust, managing risks, and ensuring security.”
“Then, I had a deep dive into looking at an age where individuals don’t verify, they just take information, no longer researching to see if the information is correct.”
“I always remain sceptical, whilst understanding the value of efficiency. AI is now embedded in so many tools, but now the main concern is the people within the organisation. Monitoring and education are essential. People will often try to find a shortcut and the easy way to go about things. Until training, governance and understanding is at a level where there can be trust, I suggest turning it off.”
1. These are challenging times for cybersecurity teams. How has 2025 been going for you and Ripjar?
“Ripjar utilises new and emerging technology to solve customer problems in cyber threat investigations and anti-financial crime compliance. We’ve been able to help organisations achieve record results – identifying connections, anomalies and potential risks, while reducing false positives and increasing true positives – leading to best-in-class results in many industries. We’re excited to be sharing that technology, alongside further innovations, with other organisations as we expand our global coverage.”
“The advent of generative AI creates vast risks and opportunities. It also shifts perspectives on existing machine learning and artificial intelligence technologies. It has been exciting to see how the newest AI can be combined with non-generative AI and other technologies to create new solutions to the problems that keep our customers awake at night.”
2. What are some of the challenges organisations are facing that you can help them with?
“Ripjar serves customers in several areas. Our anti-financial crime customers are trying to make sense of the ever-expanding business risks presented by their customers and counterparties in a tumultuous world. We’re able to help them in that journey, whether it’s responding to changing Russian or Middle East sanctions or aligning with the massive political changes that have impacted PEP (politically exposed persons) regimes all around the world.”
“Using foundational AI, we find broad risks in the media – which is often referred to as negative news or adverse media. That means reading through millions of daily news articles to identify risk signals which are important to those handling the world’s global payments or trading internationally. Agility is a key requirement for our customers, and machine learning and AI make it possible to make sense of huge quantities of structured and unstructured data quickly and accurately.”
“Our cyber customers are sophisticated threat investigators working in complex environments, including a number of MSSPs. They rely on our data fusion and investigations software to identify potential threats to their data and ultimately their businesses.”
Looking at the future
The shadows of GenAI, looming threats, and a shifting regulatory landscape loom over the global cybersecurity and IT communities, but the tone is also optimistic. While every leader we spoke to at Visions CIO + CISO acknowledged the threat posed by emerging technologies, many were also excited by the potential of GenAI tools to detect threats and help strengthen cybersecurity defenses.
Given how quickly the circumstances surrounding cybersecurity have changed in just a few short years, it’s almost impossible to predict where we’ll be by the end of the decade. However, the experts we spoke to at Visions are approaching the future with both eyes open — watchful for new risks, and determined to capitalise on new opportunities.
The next Visions CIO + CISO Summit (Autumn, UK) is taking place at the Allianz Stadium in London on 13 – 15 October, 2025. Learn more and register to attend here.
From June 4-5 in Santa Clara, California, TechEx North America brings together seven technology events, with professionals and executives from throughout the industry.
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Hosted at the Santa Clara Convention Centre in California, TechEx North America brings together seven co-located technology events: AI & Big Data, Cyber Security, IoT, Digital Transformation, Intelligent Automation, Edge Computing and Data Centers, , creating a comprehensive platform for tech-led teams.
TechEx North America is a one-stop destination to explore the future of enterprise innovation. The event promises groundbreaking technologies defining the future of work in the US and beyond. Attendees will have the opportunity to connect with industry leaders and equip their teams with the tools to thrive in the digital era.
Here’s a look at the events that make up TechEx North America. Follow the links to register for free.
AI & Big Data Expo
The AI & Big Data Expo, a key part of TechEx North America, is the premier event showcasing Generative AI, Enterprise AI, Machine Learning, Security, Ethical AI, Deep Learning, Data Ecosystems, and NLP.
Cyber Security Congress
The Cyber Security Congress, a key part of TechEx North America, is the premier event showcasing Zero-Day Vigilance, Threat Detection, Deep Learning, Global Cyber Conflicts, AI & ML, and Generative AI.
IoT Tech Expo
IoT Tech Expo, a key part of TechEx North America, is the leading event for IoT, Digital Twins & Enterprise Transformation, IoT Security, IoT Connectivity & Connected Devices, Smart Infrastructures & Automation, Data & Analytics and Edge Platforms.
Digital Transformation Expo
The Digital Transformation Expo, a key part of TechEx North America, is the leading event for Transformation Infrastructure, Hybrid Cloud, The Future of Work, Employee Experience, Automation, and Sustainability.
Intelligent Automation Conference
The Intelligent Automation Conference, a key part of TechEx North America, is the premier event showcasing Cognitive Automation, RPA, Realistic Automation Roadmaps, Cost-Saving Use Cases and Unbiased Algorithms.
Edge Computing XPO
Edge Computing Expo, a key part of TechEx North America, is the leading event for Edge Platforms, Digital Twin, Robotics & Computer Vision, Edge AI, Future Progressions and Accelerating Transformation.
Data Centres Expo
The Data Center Expo, a key part of TechEx North America, is the premier event tackling key challenges in data center innovation. It highlights AI’s Impact, Energy Efficiency, Future-Proofing, Infrastructure & Operations, and Security & Resilience, showcasing advancements shaping the future of data centers.
Expert Speakers
Speakers at this year’s event will include Varun Kakaria, North American CIO at Reckitt; Alisson Sol, VP of Software Engineering at Capital One; Naresh Dulan, VP of Software Engineering at JPMorgan Chase; and many more, including executives from, Electronic Arts, Hyatt Hotels, the National Football League, Mastercard, and the United Nations.
InsurTech Insights Europe 2025: A Transformational Gathering for the Future of Insurance
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InsurTech Insights Europe 2025, held on March 19-20 at the InterContinental London – the O2, reaffirmed its status as the premier conference for insurance technology professionals across the continent. Drawing more than 6,000 attendees from over 80 countries, the event brought together C-level executives, startup founders, investors, and tech leaders. They explored the evolving future of insurance powered by innovation and digital transformation.
Key Themes
With seven stages and over 400 speakers, the conference agenda was packed with compelling keynotes, forward-looking panel discussions, fireside chats, and practical workshops.
The overarching theme of the 2025 edition was crystal clear: artificial intelligence (AI) is no longer a futuristic concept, it’s the driving force behind today’s insurance innovation. Topics like automation, generative AI, claims transformation, underwriting analytics, embedded insurance, cyber security, and ESG all reflected a dynamic industry poised for rapid acceleration.
A Focus on Leadership & Diversity
One of the standout sessions was the panel discussion titled “The ROI of Gender Diversity: Breaking the Glass Ceiling for Women in Leadership”, held on the Purple Stage. Featuring high-level voices from Solera, unlock VC, and AXA XL, the panel addressed the often-overlooked yet crucial importance of gender diversity in executive roles. The discussion didn’t stop at raising awareness; it presented measurable business outcomes tied to diverse leadership and called for action to foster inclusivity across all levels of the industry.
Complementing this session was “The Women in Insurance Power Group Meet-up”, a networking event held at the Sky Bar on the 18th floor. Attendees not only connected over lunch but were also invited into an exclusive WhatsApp group, encouraging long-term collaboration and support among female leaders and allies in the space.
The Innovators Hub and the ITI Marquee: Where the Future Was Born
A major addition to this year’s conference was the debut of the ITI Marquee. A vibrant, purpose-built zone dedicated to showcasing bold ideas and startup brilliance. This space housed the Innovators Hub, which included its own dedicated Innovator’s Stage. Here, early-stage ventures and InsurTech pioneers pitched their solutions to panels of VCs, corporate innovation leads, and fellow founders.
This setting offered more than exposure, It cultivated real-time connections between startups and investors, giving many smaller players their first shot at meaningful partnerships or funding opportunities. The diversity of ideas, from AI-powered claims processors to data-driven risk models for climate insurance, reflected the industry’s hunger for next-gen solutions.
Keynote InsurTech Highlights
One of the most talked-about moments of the event came from Daniel Schreiber, CEO and Co-Founder of Lemonade, whose opening keynote explored how AI can dramatically enhance customer experience in insurance. He challenged the audience to rethink not just how insurance is sold or serviced, but why it’s offered. And how technology can transform its social impact.
Another crowd favourite was the session on “The Path to Embedded Insurance”, which unpacked how insurance products are increasingly being bundled into digital ecosystems like ecommerce platforms, mobility apps, and smart home technologies. This wasn’t just a hype piece. Real-world case studies from European neobanks and auto insurers illustrated how embedded models are already driving customer growth and retention.
Among the compelling keynotes on the Main Stage, Sofia Kyriakopoulou, a Fintech Strategy AI Champion and Group Chief Data & Analytics Officer at SCOR, revealed how GenAI innovation at one of the world’s largest reinsurers is transcending the realm of proof of concepts to become fully productive.
InsurTech Deep Dives: AI, Data & Digital Claims
Sessions throughout the week made it clear that AI is at the forefront of virtually every area of insurance operations. Whether it was applied in predictive underwriting, fraud detection, or personalised customer engagement, companies are looking to AI not just for marginal gains but foundational transformation.
A standout workshop on AI in Claims Automation included live demos from startups using computer vision and NLP to automate damage assessment. Meanwhile, a session on Data-Driven Underwriting shared how insurers are replacing traditional risk proxies with real-time data streams, from wearables to smart meters.
Cybersecurity was another hot topic, with insurers discussing how to build resilient cyber products in the face of increasing digital threats and regulatory complexity.
Global Meets Local: The Power of Diversity
Although a European event at heart, the conference had a distinctly global flair. Speakers came from the U.S., Singapore, Brazil, South Africa, and the Middle East. They brought diverse perspectives on shared challenges such as climate change, digital regulation, and consumer trust.
Simultaneously, European startups shone on stage. Companies from the UK, Nordics, DACH, and Benelux presented innovative, often niche solutions for localised market challenges—from parametric crop insurance to real-time mobility coverage.
Trade Exhibition & Brand Visibility
The exhibition floor was a hive of activity, featuring booths from established players like Munich Re, Swiss Re, Guidewire, Duck Creek, and Cognizant, alongside vibrant startup showcases. Product demos, swag giveaways, and live challenges kept engagement high and made it easy for brands to stand out.
The conference proved to be a golden opportunity for brand elevation, allowing companies to position themselves as thought leaders or rising disruptors in front of an incredibly curated audience.
InsurTech Insights Europe: The Verdict
The closing remarks from Kristoffer Lundberg, CEO of InsurTech Insights, captured the spirit of the event:
“It’s a privilege for us to gather together the sharpest minds in the industry to discuss the role of AI in insurance. The direction and impact of these technologies will shape the space for decades to come.”
Indeed, InsurTech Insights Europe 2025 wasn’t just a conference, it was a strategic gathering. A melting pot of ideas and a launchpad for the next generation of insurance products and platforms. Attendees walked away not just with new business cards, but with fresh ideas, collaborative leads, and the motivation to drive innovation within their own organisations.
As the insurance industry continues to evolve amid mounting global challenges and rapidly advancing tech, this event served as a timely and energising reminder… The future is not something to wait for—it’s something to build, together.
Meet, greet, and learn from fellow IT professionals at VISIONS CIO + CISO Leadership Summit on the 28th to the 30th of April 2025. At the Allianz Stadium in London, you’ll discover the newest solutions and strategies on the market, while making meaningful connections with your peers.
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Over the course of the VISIONS event, attendees will have access to over 30 presentations and eight different sessions, as well as panels involving numerous expert speakers, and peer-to-peer roundtables.
Interface Magazine is thrilled to announce that our magazine is a media partner of VISIONS UK! For the CIO + CISO Leadership Summit, VISIONS is offering a VIP code for our readership. Secure your free pass here and use the code INTF-VIP for the full VIP experience!
Taking the challenge out of change
The pressure to modernise is at an all-time high, but the VISIONS CIO + CISO Leadership Summit provides a welcoming and informative atmosphere for you to learn about updating your systems, tackling cybersecurity threats, and building AI strategies.
The event is reserved for executives, and aims to support your professional and departmental goals across the board. The programme is tailored to enlighten, educate, and support CIOs and CISOs in their technology journeys.
Agenda
Eight sessions
30+ presentations
30+ speakers across panels, fireside chats and peer-to-peer roundtables
Alongside your free pass, use the VIP code INTF-VIP to also gain access to the following:
Complimentary accommodation for one night
On-site food and drinks provided
Multiple networking receptions with open bar
Travel reimbursement
Designed to address your challenges
This event aims to put an end to the usual wandering around the exhibition hall in order to find the information you want. During registration, you’ll have the chance to explain the current challenges you’re facing in business, and Visions will do the hard work in arranging meetings with a tailored set of solutions providers. You’ll be connected directly with the people who can help, in a bespoke, no-pressure environment.
Register today! Click here to book, and use our unique media partner code for VIP treatment: INTF-VIP
Tech Show London is coming to Excel March 12-13. Register for your free ticket now!
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Unlock unparalleled value with a single ticket that gets you free access to five industry-leading technology shows. Welcome to Cloud & AI Infrastructure, DevOps Live, Cloud & Cyber Security Expo, Big Data & AI World, and Data Centre World.
Tech Show London has it all. Don’t miss this immersive journey into the latest trends and innovations.
Discover tomorrow’s tech today
Unleash Potential, Embrace the Future. Hear from the greatest tech minds, all in one place.
Dive into a world where cutting-edge ideas shape your tomorrow. Tech Show London is the epicentre of technology innovation in London and beyond, hosting the brightest minds in technology, AI, cyber security, DevOps, and cloud all under one roof.
The Mainstage Theatre is not just a stage; it’s a launchpad for innovative ideas. Witness a stellar lineup featuring world-renowned experts from across the tech stack, influential C-level executives, key government figures, and the vanguards of AI and cybersecurity. All ready to share ideas set to rock the industry.
GLOBAL INSPIRATION, LOCAL IMPACT
Seize the opportunity to be inspired by global visionaries. Furthermore, with speakers from the UK, USA, and beyond, prepare to be inspired by transformative concepts and actionable strategies from technology insiders, ensuring your business stays ahead in an ever-evolving technology landscape.
Where the future of technology takes the stage
Secure your competitive edge at Tech Show London, the UK’s award-winning convergence of the industry’s brightest tech minds.
On 12-13 March 2025, gain vital foresight into the disruptive technologies reshaping your market, and position your organisation at the forefront of technology’s next frontier.
If you’re defining your business’s tech roadmap, register for your free ticket to join us at Excel London.