On the 18-20 November 2019 at the wonderful The Ritz-Carlton, Amelia Island in Florida, our North American NG Financial Services Technology Summit will bring together a host of senior financial services decision-makers and business leaders to discuss the most pressing challenges – and opportunities – in the fast-moving financial services sector.

The summit looks at a number of key themes, including innovation; banking breakthrough; payments made here, there, everywhere and dominating data; and reaching for the cloud: IT, compliance and fraud protection.

From case studies lifting the lid on operations inside best-in-class organisations, to workshops and collaborative sessions that focused on real challenges and future technology innovations, to one-to-one meetings with industry peers offering practical advice tailored to attendees’ specific needs, our summits provide executives with everything they needed to implement their key projects more effectively.

Our Approach

Every GDS Summit has one stated aim: to help attending executives implement their key projects more effectively. We do this by developing an in-depth understanding of those executives' project needs, the business outcomes they want to achieve, and the challenges they face in terms of hitting those goals.

Who Attends

Our summits are designed for executives looking to take their business to the next level – from market-leading brands to disruptive new entrants. As such, we’ve worked with some of the world’s best-loved and most forward-thinking businesses.
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Attendees Include

The upcoming summit will welcome executives from some of the world's biggest and most recognisable firms - as well as the most forward-thinking - as they look to address their project challenges.
Image of Jill Castilla
Logo of Citizens Bank of Edmond
Jill Castilla
President & CEO
Citizens Bank of Edmond
Image of Bruce Morehead
Logo of Columbia Bank
Bruce Morehead
SVP, Chief Innovation Officer
Columbia Bank
Image of Chris Parker
Logo of Partners Federal Credit Union
Chris Parker
Chief Operating Officer
Partners Federal Credit Union
Image of John Symcox
Logo of First Fidelity Bank
John Symcox
Chief Innovation Officer
First Fidelity Bank
Image of Nate Haskins
Logo of S&P Global
Nate Haskins
Chief Data Officer
S&P Global
Image of Doug Nielson
Logo of US Bank
Doug Nielson
SVP Innovation Research & Development
US Bank
Image of Doug Smith
Logo of Fifth Third Bank
Doug Smith
SVP, Head of Consumer Digital
Fifth Third Bank
Image of Jay Krish
Logo of State Street
Jay Krish
SVP Head of Operational Risk Technology
State Street
Image of David Anderson
Logo of Zions Bank
David Anderson
SVP, Head of Customer Care
Zions Bank
Image of Denise Schultz
Logo of Citi
Denise Schultz
SVP Finance & Risk Infrastructure
Citi
Image of Michael Cordas
Logo of City National Bank
Michael Cordas
SVP, Enterprise Business Transformation
City National Bank
Image of Sarah Heimbueger
Logo of JPMorgan Chase & Co.
Sarah Heimbueger
VP, Wealth Management
JPMorgan Chase & Co.

6 Challenges with Technology in Financial Services

Our summit is focused on solving your strategic challenges
  • Tackling legacy technology and developing strategies to build innovative technologies and capabilities in a cloud-based, data-based, API-based future.
  • Focusing on how AI, ML, Big Data Analytics are cultivating customer satisfaction.
  • Aligning access to financial services to the customers terms and conditions.
  • Tackling the impact of FinTech disruption and seeing how innovation + support for new business models can accelerate digital transformation.
  • Embarking upon the challenges of a new technology in an outdated regulatory environment.
  • How do you drive innovation, leverage partnerships and implementation into how they complete for survival in the future.
Apply to attend

Summit Schedule

Day 1
Day 2
Day 3
Monday November 18, 2019
Summit registration
1:00pm - 6:00pm

Grab your name badge, say hello, activate the onsite app and prepare to leave the office behind for two-and-a-half days of networking, learning and intelligence gathering.

Welcome remarks and delegate briefing
2:30pm - 2:45pm

Details To Follow.

Panel Discussion
2:45pm - 3:30pm
The perspectives of 4-5 industry experts into one of the key challenges we're all facing today. This will be moderated to create a session of different perspectives, opinions and tangible takeaways of how our panelists are tackling them.
Technology Foresight: What's on the horizon for 2020?

Disruptive FinTechs are driving change at a rapid rate in the financial services industry. Traditional delivery of services is being affected on the customer side. Financial institutions are playing catch-up and struggling to understand what the customer truly wants. Should financial services invest in Technology Foresight?

Interview
3:30pm - 3:50pm
A one on one interview diving into the details of how to prepare yourself for the realities of one of the industry's top challengers.
Going digital: How do you design to create a digital customer experience?
headshot of Deborah Foley
Deborah Foley
VP, Head of Customer Experience Developer Ecosystem - JPMorgan Chase

As financial institutions are starting their innovation journey, design is an important function towards the business model. So how does agile and design thinking methodologies create a User Experience (UX) that can start servicing your customers digitally?

Roundtable Track 1
Session 1 - Challenges
3:50pm - 5:00pm
It’s all about identifying your challenges. What are the key questions that keep you up at night? What solutions are you looking for? Find common ground.
A Financial fight: Challenger Banks vs Traditional Banks?

The rise of Challenger Banks means that traditional financial institutions are feeling the pressure to build digital-only Challenger Banks as part of their business model. However, as the financial services industry continues to innovate and expand, Challenger Banks are characterized as mobile-first apps that focus on personalisation and customer-centricity that were born from a digital world. Yet, many questions remained unanswered:
• Are Challenger Banks the go-to banking solution for a variety of demographics across the North American market?
• Is the aim of a Challenger Bank to build innovative software or eradicate the requirement of having “brick-and-mortar” banks?
• How do Traditional Banks continue their strong relationships with their customers that lasted for generations?
• Do legacy systems prevent traditional banks from offering a full suite of banking services?

Roundtable Track 2
Session 1 - Challenges
3:50pm - 5:00pm
It’s all about identifying your challenges. What are the key questions that keep you up at night? What solutions are you looking for? Find common ground.
Omnichannel: Putting user experience at the forefront of the process
headshot of Diego Blanco Moreno
Diego Blanco Moreno
Director Business Development - Digital Channels - BBVA Compass

Financial Institutions are focusing on creating a seamless Omnichannel user experience (UX), regardless of channel or device, digital or offline. However, the desire and need for an Omnichannel UX has arisen because customers interact in unpredictable ways, often transitioning between channels. Thus, if the Omnichannel UX fails on any one channel that financial institution offers, it exposes the inefficiency with UX as a whole.
• How do financial institutions create available, consistent, and seamless touchpoints to drive a customer centred UX?
• How do financial institutions identify and eliminate roadblocks in their Omnichannel UX?
• How do you personalise the Omnichannel UX for the customer?

Roundtable Track 3
Session 1 - Challenges
3:50pm - 5:00pm
It’s all about identifying your challenges. What are the key questions that keep you up at night? What solutions are you looking for? Find common ground.
The power of networks and partnerships: Should financial institutions build ecosystems?
headshot of Nate Haskins
Nate Haskins
Chief Data Officer - S&P Global

The upsurge in FinTechs offering innovative technology and disrupting the traditional banking practices across North America is rising. FinTechs are offering financial institutions a new way of implementing products and services. To start the innovation process, do financial institutions build ecosystems?
• How do you establish and leverage that partnership between a FinTech and Financial institution?
• How do you ensure that the FinTech’s innovative technology meets the regulatory requirements?
• Is creating a partnership an opportunity for innovation and digital transformation?
• When is the right time to build technology in-house?
• Can FinTech’s help you meet the demand of the customer?

Roundtable Track 4
Session 1 - Challenges
3:50pm - 5:00pm
It’s all about identifying your challenges. What are the key questions that keep you up at night? What solutions are you looking for? Find common ground.
What is the future of customer authentication?

Biometrics is a verification process based on a user’s unique biological signature, through unique physical characteristics (fingerprints; facial recognition; iris verification) and behavioural patterns (voice identification). Due to high smartphone penetration in North America, the use of biometrics has excelled as it offers a quick and seamless way for customer access. So how do financial institutions offer that fast, frictionless and secure customer experience that provides continuous authentication throughout a customer’s journey?

  • Will voice provide more accessibility to customers in authenticating transactions and payments?
  • How do financial institutions invest in registering Biometrics for their customers?
  • Does Biometrics truly eliminate the threat of fraud and cybercriminals and protect customers data?
Roundtable Track 5
Session 1 - Challenges
3:50pm - 5:00pm
It’s all about identifying your challenges. What are the key questions that keep you up at night? What solutions are you looking for? Find common ground.
How much data does the customer want you to know?

Big Data allows financial institutions to get an overview of their customers’ behavioural patterns and interactions. The combination of predictive analysis, real-time detection, and behavioural profiling can detect unusual customer activity, whereas Big Data can predict the future behaviour of the customer with more accuracy and fully understand what each individual customer wants.

  • How much data does the customer want to provide and want you to know?
  • Do customers really want tailored services that suit their needs?
  • Should predictive analytics, behavioural profiling and real-time decision making with financial institutions be used to detect unusual customer activity only with consent from the customer?
Roundtable feedback
5:00pm - 5:30pm

Details To Follow.

Networking drinks
6:00pm - 7:00pm

Time to kick off your heels, loosen those ties and get to know your fellow summit attendees. Relax, drinks are on us.

Gala dinner
7:00pm - 10:00pm

Time for some fun; you’ve earned it. Join us for our night’s dinner and entertainment. Details to follow.

Keynote
8:00pm - 8:30pm
Our Keynote speaker will be addressing the entirety of Summit attendees during our Gala Dinner. They will be going beyond the 'brand story' and sharing their experience and the real truths of tackling a challenge that is shaping the industry.
Out of the headlines, innovating to thrive! The Citizens Bank of Edmund Story.
headshot of Jill Castilla
Jill Castilla
President & CEO - Citizens Bank of Edmond

Community Banks are at the forefront of the digital transformation journey by delivering world-class experiences to their customers, leveraging partnerships with FinTech’s and using cutting-edge technology to become more creative and agile. Jill Castilla, the President & CEO of Citizens Bank of Edmund, is undertaking the risk to fuse technology with customer expectations to create a catalyst and business model for long-term innovation!

Tuesday November 19, 2019
Breakfast
7:00am - 7:50am

The most important meal of the day. Get yourself set for a productive day by joining us for coffee, croissants and more.

Welcome Remarks
7:50am - 8:00am

Details To Follow.

Panel Discussion
8:00am - 8:30am
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
Digital Transformation: How do you go from strategy to reality?
headshot of Alyce Reopelle
Alyce Reopelle
SVP PMO Leader & Chief of Staff - Citi
headshot of Doug Smith
Doug Smith
SVP, Head of Consumer Digital - Fifth Third Bank
headshot of Bruce Morehead
Bruce Morehead
SVP, Chief Innovation Officer - Columbia Bank
headshot of Michael Cordas
Michael Cordas
SVP, Enterprise Business Transformation - City National Bank

As Financial Institutions are engaging on a day-to-day basis with evolving technologies, their consumers have become normalised to services that provide frictionless and convenient access in other industries. However, as Financial Institutions are at the premise of their journey, how do they embark on building innovate digital products. Is it down to:

  • Product Management
  • Cultural Mindsets
  • Improving Infrastructure
  • Investment in Agile Frameworks
  • Investing in digital-only platforms.
Keynote
8:30am - 9:00am
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
Going Digital: How to satisfy the connected customer.

In this new digital era, customers expect to be able to have a frictionless, seamless and secure journey on their digital channels. So how are innovating solutions focusing on shaping this for an ever-changing and more digitally demanding consumers in North America?

Keynote
9:00am - 9:20am
The perspectives of 4-5 industry experts into one of the key challenges we're all facing today. This will be moderated to create a session of different perspectives, opinions and tangible takeaways of how our panelists are tackling them.
Legacy technology and legacy mindset: How do you champion innovative reasoning?

Legacy technology and legacy mindsets are hindering how financial institutions innovate and transform digitally. As there are multiple challenges senior executives encumber when trying to champion innovative reasoning, how do you create an environment that can change the culture and encourage innovative thinking across a financial institution.

Oxford Style Debate and Live Polling
9:20am - 10:00am
One Topic. Two experts. Two opinions. You'll get the chance to vote on where you stand before the session starts. We'll then hear from our two experts, to see if they can sway your opinion when you participate in the closing vote.
Open Banking: How has it worked in Europe and will it change consumer banking in North America? (Canada vs United States)
headshot of Leah Carr
Leah Carr
Director of Strategy, Planning, Digital Banking - BMO Financial Group
headshot of Mandeep Dhother
Mandeep Dhother
Director of Mobile & Open Banking - BMO Financial Group
headshot of Doug Nielson
Doug Nielson
SVP Innovation Research & Development - US Bank

Open Banking in Europe has allowed the customer to have-control of their financial data. The aim of Open Banking is to make it easier for customers to gain access to their transaction data, compare accounts and access to new products to regulated third-party providers.

As North America starts to embrace open banking and allow Customer empowerment – which country do you believe is doing it better? Canada or United States?

Coffee & Networking Break
10:00am - 10:15am

Take advantage of time to network with fellow summit attendees and further discuss your business transformation projects.

Case Study
10:15am - 10:55am
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
Banking-as-a-Service: Is there a threat of digital giants entering the financial service industry?

By moving away from the traditional banking sector, digital giants and retailers are using Banking-as-a-Service (BaaS) to integrate banking services into their existing digital platforms. So how are businesses deploying customised financial products and services into the financial services space?

Workshop
11:00am - 11:40am
An industry expert will lead an interactive workshop tackling common challenges and scenarios, engaging the audience to confront the issues and discuss ideas. What will your proposed solutions be?
Automated digital lending platforms: Will Open Banking reform lending for consumers.

Digital Lending offers financial institutions an opportunity to improve productivity, provide more loans and increase revenue per loan with cheaper, faster and automated services. Non-bank alternative lenders allow customers to apply for credit or personal loans in a matter of minutes through online/mobile platforms.

With Open Banking providing customer empowerment, can digital lending platforms continue to grow their portfolios, or will financial institutions counteract and provide their own digital lending platforms?

Panel Discussion
11:45am - 12:25pm
The perspectives of 4-5 industry experts into one of the key challenges we're all facing today. This will be moderated to create a session of different perspectives, opinions and tangible takeaways of how our panelists are tackling them.
Digital or Physical Payments: Which is more convenient and seamless for the North American consumer?
headshot of Katy Boshart
Katy Boshart
SVP, Head of Canadian Credit Cards - TD Bank

The method of Payments is constantly evolving for customers in North America. Contactless payments over a ‘tap and go’ experience that can be both digital and physical. Digital Wallets offer access, interoperability and sustainability for customers to commit transactions online and offline. So, what are the differences between American and Canadian consumers when making payments?

Keynote
12:30pm - 1:00pm
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
Omnichannel: The new point of engagement in North America?
headshot of Chris Parker
Chris Parker
Chief Operating Officer - Partners Federal Credit Union

Omnichannel is a core strategy for many Financial Institutions across North America. As the behaviour of the digital customer has been influenced not only from the ‘Amazon Experience’ that matches their own individual preferences, but by the easy-to-use and accessible digital-only platforms from FinTechs. Customers want access to their financial services whenever they want, on a 24-hour basis. This customer interaction should create touchpoints that provide a seamless and consistent interaction with real-time data synchronisation. Financial institutions who implement an Omnichannel banking platform must ensure that the same set of services can be available both digitally and offline.

Networking Lunch
1:00pm - 1:45pm

Worked up an appetite? Recharge those batteries with our buffet-style lunch, and prepare to meet the afternoon head-on.

Roundtable
Session 2 - Discovery
1:45pm - 2:30pm
Learning and sharing with your group. What are the solutions? Are they readily available? What path are you going to take?
Drill Down Roundtables

1. A Financial fight: Challenger Banks vs Traditional Banks

2. Omnichannel: Putting user experience at the forefront of the process

3. What is the future of customer authentication?

4. The power of networks and partnerships: Should financial institutions build ecosystems?

5. How much data does the customer want you to know?

Workshop
2:35pm - 3:15pm
An industry expert will lead an interactive workshop tackling common challenges and scenarios, engaging the audience to confront the issues and discuss ideas. What will your proposed solutions be?
Using data analytics: How do Financial Institutions measure, analyse, engage and identify the needs of your customer?

Financial Institutions need to build a business model that measures and analyses the requirements of their customers’ demands. So how does your organization find an approach the fully understands the true requirements of the customer in an ever-changing technological environment.

Panel Discussion
3:20pm - 4:00pm
The perspectives of 4-5 industry experts into one of the key challenges we're all facing today. This will be moderated to create a session of different perspectives, opinions and tangible takeaways of how our panelists are tackling them.
Artificial Intelligence: How do financial institutions use AI?

The strong signs of adoption of AI in the financial service space is evident through the substantial investments the industry has made. However, how should financial institutions use AI?

  • Chatbots and virtual personal assistants?
  • Analyse behaviour patterns and predict a customer’s journey to enhance their experience?
  • Satisfy data governance, risk and compliance?
  • Spotting anomalies or patterns to detect fraud or money-laundering?
  • Automate business processes reduce the requirement for human capital?
Case Study
4:05pm - 4:45pm
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
How do you implement technology to meet the demands of your cross-generational audience?
headshot of Vivek Bedi
Vivek Bedi
Head of Consumer Experience Products - Northwestern Mutual

The customer for financial institutions ranges from a Baby Boomer to a Millennial. As understanding the customer’s needs is becoming central to the financial services industry, how do financial institutions create innovative cross-generational products and services?

Coffee & Networking Break
4:45pm - 5:00pm

Take advantage of time to network with fellow summit attendees and further discuss your business transformation projects.

Oxford Style Debate and Live Polling
5:00pm - 5:40pm
One Topic. Two experts. Two opinions. You'll get the chance to vote on where you stand before the session starts. We'll then hear from our two experts, to see if they can sway your opinion when you participate in the closing vote.
What is the true purpose of Blockchain?

There has been scepticism about the internet, cloud-based platforms and much more technology. While Blockchain is evolving in other industry verticals, the financial services community tends to have scepticism about Blockchain because of its link to Cryptocurrency. Financial institutions are experimenting with their own blockchain technology, but what remains to be asked is how does Blockchain move from hype to practicality. The purpose of this debate is to see if you believe there are benefits in establishing Blockchain in a Business-to-Business (B2B) capacity.

Attendee downtime
5:40pm - 7:00pm

Time for a well-deserved break in your busy schedules.

Networking drinks
7:00pm - 7:30pm

Time to kick off your heels, loosen those ties and get to know your fellow summit attendees. Relax, drinks are on us.

Gala dinner, silent auction, quiz/trivia
7:30pm - 10:00pm

Time for some fun; you’ve earned it. Join us for our second night’s dinner and entertainment. Details to follow.

Wednesday November 20, 2019
Breakfast
7:00 am - 8:20 am

The most important meal of the day. Get yourself set for a productive day by joining us for coffee, croissants and more.

Welcome Remarks
8:20 am - 8:30 am

Details To Follow.

Keynote
8:30 am - 8:50 am
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
Beyond GDPR: How do the regulatory pressures in North America hinder innovation in the financial services space.

With the European Union implementing GDPR, GDPR is reshaping how financial institutions across Europe approach data privacy. However, with Open Banking being discussed in North America and the rise of FinTech regulations to accelerate technological innovation, what lessons can North America take from Europe and what challenges will Financial institutions encounter in the near future?

Keynote
8:50 am - 9:20 am
A brand exec takes you behind the scenes, providing insight into a successful project implementation – what worked, what didn’t and which pitfalls to avoid.
eKYC: The challenge of digital identities in an era of digital transformation

Know Your Customer (KYC) is a term to describe how financial institutions verify the identity of a customer. However, in an era when it’s a fundamental basic for financial institutions to know who their customers are, what role can eKYC play in simplifying the digital onboarding process across North America?

Roundtable
Session 3 - Outcomes
9:20 am - 10:10 am
What does it all mean. Tracing back through two days of work, where are we? What you are bringing back to the office with you.
Drill Down Roundtables

1. A Financial fight: Challenger Banks vs Traditional Banks

2. Omnichannel: Putting user experience at the forefront of the process

3. What is the future of customer authentication?

4. The power of networks and partnerships: Should financial institutions build ecosystems?

5. How much data does the customer want you to know?

Coffee & Networking Break
10:00 am - 10:25 am

Take advantage of time to network with fellow summit attendees and further discuss your business transformation projects.

Interview
10:25 am - 11:05 am
A one on one interview diving into the details of how to prepare yourself for the realities of one of the industry's top challengers.
How to meet regulatory compliance when launching: The Revolut story in North America
headshot of Peter Singer
Peter Singer
Head of Regulatory Compliance US - Revolut
headshot of Saud Aziz
Saud Aziz
Strategy and Operations Manager Canada - Revolut

Revolut in Europe have become a household challenger bank that millions of consumers use. However, this interview allows you to gain an insight into how Revolut are trying to circumnavigate the regulatory challenges that exist in both Canada and the United States.

Workshop
11:10 am - 11:50 am
An industry expert will lead an interactive workshop tackling common challenges and scenarios, engaging the audience to confront the issues and discuss ideas. What will your proposed solutions be?
Regulatory Sandboxing: Is FinTech regulation required to benefit the Financial Institution?

A Regulatory Sandbox is a structured and controlled environment where compliance and regulations can be formulated whilst giving new business models room to develop new technologies. Though the aim is to prevent the smothering of rules for FinTechs, it also does not diminish the importance of customer security and protection. Therefore, as FinTech regulation has been developed in Canada and in the U.S. State of Arizona, does the process of a Regulatory Sandbox truly benefit Financial Institutions when looking to outsource and invest in emerging technologies?

Panel Discussion
11:50 am - 1:00 pm
The perspectives of 4-5 industry experts into one of the key challenges we're all facing today. This will be moderated to create a session of different perspectives, opinions and tangible takeaways of how our panelists are tackling them.
Closing panel & wrap up

What have been the most interesting discussion points over the last few days? What are the key takeaways? Are there any immediate actions to be implemented? And what further questions have emerged?

Buffet lunch
1:00 pm - 2:00 pm

Worked up an appetite? Recharge those batteries with our buffet-style lunch for your journey home.

Summit Location

The Ritz-Carlton, Amelia Island, Florida

Our events take place at some of the most prestigious venues in the world. Five-star accommodation, dining and amenities make attending one of our summits both business and pleasure. Being productive has never been so much fun.

Popular content from our FinTech Summits

GDS Summits host experts to help experts. Our speakers are leading FinTech executives willing to share their insight to change the industry and the world in critical ways.

To discuss how GDS Summits can help you solve your project challenges contact us on: 0117 921 4000 or email sayhello@gdsgroup.com.

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