The Future of Mobile Banking
Marketforce and the IEA's 2nd Annual Conference: Join market leaders and innovators to debate the opportunities and potential of mobile
29th May 2012, Radisson Blu Portman Hotel, London
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Conference Agenda
Print ProgrammeTuesday 29 May 2012, Radisson Blu Portman Hotel, London
The Future of Mobile Banking
Introduction to the IEA
Chairman’s opening remarks

Karl Rieder
Director, R&D Group, GFT Technologies
Karl Rieder
Director, R&D Group, GFT Technologies
Biography
Karl Rieder is a Director in GFT’s R&D group, Applied Technologies and as such helps clients in the UK with the challenges of business innovation, defining technology strategy and delivering multi-channel applications for retail and investement banking. He acts as the bridge between clients that want to understand how new technologies can help them and the self confessed “geeks” who work their magic to create engaging apps.
Karl has previously worked as a senior project manager and lead technical architect through which he has gained excellent banking industry knowledge and more that 15 years IT management experience. His mobility blog on Finextra has been visited more than 11,000 times – not all by himself.
With a first degree in Engineering and a PhD in Oceanography from the University of California, San Diego, Karl brings a relaxed Californian beach mentality to the complexity of IT.
SESSION ONE: THE EVOLVING ROLE OF THE MOBILE CHANNEL
Creating a commercial channel strategy: generating more from mobile details
- Charting the mobile landscape: what has happened to date and how has this changed expectations
- Incorporating mobile within wider channel strategies through understanding usage and opportunities
- Capitalising on functionality: utilising mobile’s features to create an attractive offering
- Leading a horse to water: how to attract customers to the mobile banking channel

Aman Narain
Global Head, Internet & Mobile Banking, Standard Chartered
Aman Narain
Global Head, Internet & Mobile Banking, Standard Chartered
Biography
Aman Narain is the Global Head of Remote Banking (Online & Mobile) for Standard Chartered’s Consumer Bank.
In his role as Head of Remote Banking he is responsible for the operational management and strategic development of the transactional online and mobile offering serving customers in 29 countries across Asia, Africa and the Middle East. He is also responsible for the public online presence of Standard Chartered with global governance over country and business websites.
Aman began his career with Standard Chartered in Corporate Banking in London and has held roles in Investor Relations, Strategy, Acquisition and Business Development.
Aman has an MBA from Insead in France and a BA in International Relations from Ohio Wesleyan University. He is based in Singapore.
The evolution of mobile banking: where have we come from and where are we going? details
- Looking back: where did it start and what lessons have been learnt?
- The here and now: what does good mobile banking look like now?
- What will the future look like and what actions should we be taking now to get there?

James Richards
Director, Mobile, Intelligent Environments Europe LtdINTERACTIVE VOTING SESSION
Charting the changing landscape of the mobile banking market details
In this session, delegates will be given the opportunity to vote on various issues surrounding the future of mobile banking, providing insight into how the market will develop. Our panel of experts will then comment on the implications of the delegate’s predictions and share their views on how to best to respond to this rapidly changing market.
Themes to be addressed include:
- Do new entrants have an advantage over traditional retail banks?
- To what extent are customers are beginning to engage with mobile banking?
- Is there any value for banks from mobile other than loyalty?
- How can mobile banking be used as a point of sale?
- How can banks successfully utilise the additional data generated through mobile?
- Are customers concerned about security? If so, are these concerns founded?
- How will the mobile channel develop over the next 5 years?
Questions from the audience

Pat Carroll
Chief Executive Officer, Validsoft Ltd.
Aman Narain
Global Head, Internet & Mobile Banking, Standard Chartered
Aman Narain
Global Head, Internet & Mobile Banking, Standard Chartered
Biography
Aman Narain is the Global Head of Remote Banking (Online & Mobile) for Standard Chartered’s Consumer Bank.
In his role as Head of Remote Banking he is responsible for the operational management and strategic development of the transactional online and mobile offering serving customers in 29 countries across Asia, Africa and the Middle East. He is also responsible for the public online presence of Standard Chartered with global governance over country and business websites.
Aman began his career with Standard Chartered in Corporate Banking in London and has held roles in Investor Relations, Strategy, Acquisition and Business Development.
Aman has an MBA from Insead in France and a BA in International Relations from Ohio Wesleyan University. He is based in Singapore.

Thomas Kragh
Associate Director, Digital Channels, Nykredit
Thomas Kragh
Associate Director, Digital Channels, Nykredit
Biography
Thomas Kragh has worked for several years with internet and mobile technologies, and Is now Senior Vice President, and Head of Digital Channels in Nykredit, Denmark. Nykredit is leading mortgage company and the 5th largest bank in Denmark, with a heavy focus on multichannel distribution. Its website, homebank and mobile solutions are considered leading in its market, and has earned several prices and awards the last 3 years. Thomas Kragh heads up a little department with 12 specialists in Nykredit with responsibility for design, user-interface, online marketing and social media initiatives, with projects within design of Homebanking solutions, PFM-tools, webdesign, mobileapps, online marketing etc.
Refreshments
SESSION TWO: OPTIMISING USABILITY, SERVICE, AND CUSTOMER ENGAGEMENT
Mobile payments: what do customers want, and what do they need? details
- · Understanding customers’ attitudes, and addressing their concerns
- · Mobile payments: a standard offering, or an optional extra?
- · How can you encourage consumer engagement with mpayments?

Adam Kennedy
Product Director, VocaLink
Adam Kennedy
Product Director, VocaLink
Biography
Adam joined VocaLink in 2006 and was an integral member of the management team responsible for the delivery of the award-winning Bacs technology renewal programme and the revolutionary Faster Payments Service. In his current role he has been responsible for the launch of the VocaLink real-time payments platform, Immediate Payments, and spear-headed VocaLink's mobile payments strategy, including the successful bid to deliver the UK's Mobile Payments Common Infrastructure Platform.
The path of least resistance: 5 steps to a great mobile experience details
- ·Studying the spectrum: understanding customer and context
- ·Striking a balance: defining design principles
- ·Letting go of the things we think are important

Anita Hockin
Head of Mobile, Lloyds Banking GroupMoving beyond products and capabilities: enabling customer service on mobile details
- Getting the basics right: ensuring the mobile channel facilitates simple and helpful service
- Which aspects of customer service can be done effectively through mobile?
- Modernising service: using mobile's features to produce immediate and relevant solutions
- Which emerging technologies could revolutionise customer service?

Pol Navarro
Head of Direct Channels & Innovation, Banco Sabadell
Pol Navarro
Head of Direct Channels & Innovation, Banco Sabadell
Biography
Pol Navarro received a graduate degree in Computer Science at Universidad Autónoma de Barcelona, an MBA at Universitat Oberta de Cataluña and Harvard School, and executive degree at IESE Business School. Actually is Head of Direct Channels and Innovation at Banco Sabadell, one of Spain’s biggest banking groups, where he leads all the activity related to new channel development, new customer services and innovation. During the last years, he has been responsible of e-banking and direct channels at Banco Sabadell, where he lead the bank’s on-line offering transformation and evolution.
Pol is highly qualified digital business, customer service and ecommerce strategist, and recognized thought leader who has done speaking internationally on several Banking, Mobile and Internet conferences.
Mobile as a sales channel: capitalising on customer contact details
- Targeted sales: which products will sell best via mobile?
- Indentifying which mobile touch points provide the best sales opportunities
- Its all in the delivery: which mobile marketing techniques are the most effective?
- Producing relevant sales message: learning from customer data and behaviour

Thomas Kragh
Associate Director, Digital Channels, Nykredit
Thomas Kragh
Associate Director, Digital Channels, Nykredit
Biography
Thomas Kragh has worked for several years with internet and mobile technologies, and Is now Senior Vice President, and Head of Digital Channels in Nykredit, Denmark. Nykredit is leading mortgage company and the 5th largest bank in Denmark, with a heavy focus on multichannel distribution. Its website, homebank and mobile solutions are considered leading in its market, and has earned several prices and awards the last 3 years. Thomas Kragh heads up a little department with 12 specialists in Nykredit with responsibility for design, user-interface, online marketing and social media initiatives, with projects within design of Homebanking solutions, PFM-tools, webdesign, mobileapps, online marketing etc.
Questions from the audience
Lunch
SESSION THREE: OPPORTUNITIES FOR INNOVATION AND ADDITONAL SERVICES ON MOBILE
Coupons, vouchers, discounts & deals: integrating with your mobile offering details
- The rise of coupon, cash back and discount providers: the level of consumer demand
- Location, data and accessibility: harnessing mobile’s features for promoting and delivering offers
- Working with retailers and partners to create a profitable ROI

Ruairidh Roberts
Industry Manager, Finance, Google UK
Ruairidh Roberts
Industry Manager, Finance, Google UK
Biography
Ruairidh is a graduate of English Literature and American Studies from Brunel University, after which he joined the media industry via Haymarket Publishing. After a year of consumer and trade magazines in the auto sector, he made the move to international media with the International Herald Tribune and (following a buyout) the New York Times.
Ten years at the New York Times Global gave Ruairidh a strong sense of brand versus platform where the New York Times is at the forefront of digital innovation and adoption in the face of a challenging print industry.
Moving through several internal roles, Ruairidh left the company as Advertising Sales Director, Finance (& regional sales director, India); joining Google during the summer of 2011, where he works in the finance team, specifically as Industry Manager in the banking team.
Challenging as it is to keep abreast of technology updates in mobile and other digital platforms, Ruairidh's greatest difficulty is keeping charge of his household of three young children, who at 4, 2 and 6 months are already showing signs of humiliating their dad with technical knowhow.
Utilising the mobile channel: building costumer confidence and gaining their trust details
- The growth of mobile: customers' increasing usage and expectations
- Alternative to apps: facilitating implementation and operations of mobile banking
- Bridging the gap: aligning costumers' desires with banks' goals

Bill Brown
Worldwide Product Marketing Director, Adeptra
Bill Brown
Worldwide Product Marketing Director, Adeptra
Biography
Bill Brown spent the past twenty years defining and managing the customer experience for some of the largest companies in the world. Bill's experience in card operations includes MBNA America and Providian Financial where his roles have taken him through the entire card lifecycle. While at Providian, Bill ran Risk Management for the sub-prime portfolio as well as the Consolidated Disputes Group supporting both the prime and sub-prime portfolios. Bill also worked with Chordiant Software to support their unified Customer Experience lifecycle by defining, developing and consulting on their vertical business applications. The vertical applications provide systemic solutions for the card market including core servicing capabilities, Disputes Manager, Fraud Manager and Collections Manager. Bill's background also includes the use of real time predictive and adaptive analytics within the customer conversation to differentiate the customer experience and improve the success of the interaction. Bill is currently responsible for defining Worldwide Product Marketing for Adeptra.
ROUND TABLE
In this session delegates will form small groups and discuss potential mobile services, and the challenges they present using the questions below as a guide.
Creating a value proposition: debating mobile’s potential to increase revenue details
- The next big thing: should banks tell customers what they need or simply listen to what they want?
- Keeping up with the pace of change: will some services become outdated before producing a profit?
- Measuring ROI: should services be judged by profitability or customer satisfaction and loyalty?
SESSION FOUR: PLANNING FOR PAYMENTS – THE TRANSACTIONAL VALUE OF MOBILE
Have we reached the tipping point of mobile payments? details
- Is mobile on the cusp of becoming a truly disruptive payment channel?
- Do today’s offerings meet the expectations of customers?
- A platform approach: deploying a bank centric m-payments strategy efficiently and effectively

Andres Fontao
Executive Mobile Banking Consultant, ClairmailPeer-to-peer payments: the adoption, usage and evolution details
- Why is peer-to-peer leading the way in the field of mobile payments?
- Understanding real life uses of P2P, and developing offerings around them
- Remote vs contact technology: analysing their strengths, weaknesses, and potential
- What separates the winners and losers of the new market entrants?

John Lunn
EMEA Director of Innovation, PayPal
John Lunn
EMEA Director of Innovation, PayPal
Biography
John has been building payments and anti-fraud systems on the internet for over 15 years and has advised many of the successful and less successful start-ups on their payment strategies. Originally a java certified developer and now an all-purpose hacker, John works developing future tech and Innovation for Europe, Middle East and Africa.
Refreshments
Quick Tap: moving NFC into the mainstream details
- Creating a complete value chain: engaging with networks and retailers
- How can you ensure and measure value generation for all partners?
- Are people ready for NFC? Considering consumer uptake and reaction
- Lessons learnt: developing a strategy of continuous improvement for the growth of NFC

Tom Gregory
Head of Digital Payments, Barclaycard
Tom Gregory
Head of Digital Payments, Barclaycard
Biography
Tom Gregory is responsible for the digital payments strategy at Barclaycard UK, including NFC / mobile payments, online payments, and adjacent areas in the payments cycle. He was previously head of change at the card company, tasked with overhauling the merchant acquiring, commercial and international lending and issuing business, which included integrating 1.5 million Goldfish card customers into Barclaycard's operations. Prior to joining the firm he worked at FirstCaribbean Bank in 2003 where he oversaw the merger of Barclays Caribbean and CIBC to create the new entity.
More than just money: the dawn of the mobile wallet details
- What makes a wallet? Defining the key differentiations between mobile banking and wallets
- Operating in an open e-commerce ecosystem: creating opportunities for you and your customer
- Maximising convenience: combining currency, discounts, loyalty, and tickets all in one place
- Building relationships: creating personalised offering based on customers’ data

Amir Tabakovic
Senior Market Manager, PostFinance, Director, Mobey ForumPANEL DISCUSSION: Moving forward in m-payments: creating a profitable market details
- How can you integrate m-payments into your wider mobile strategy?
- What additional value can be generated for customers and retailers through mobile?
- How can mobile payments be made sufficiently secure? How can this be relayed to customers?
- What should banks be doing now to prepare their processes and systems for m-payments?
- A new market structure: are new entrants starting an evolution of the payments model?
Questions from the audience

Tom Gregory
Head of Digital Payments, Barclaycard
Tom Gregory
Head of Digital Payments, Barclaycard
Biography
Tom Gregory is responsible for the digital payments strategy at Barclaycard UK, including NFC / mobile payments, online payments, and adjacent areas in the payments cycle. He was previously head of change at the card company, tasked with overhauling the merchant acquiring, commercial and international lending and issuing business, which included integrating 1.5 million Goldfish card customers into Barclaycard's operations. Prior to joining the firm he worked at FirstCaribbean Bank in 2003 where he oversaw the merger of Barclays Caribbean and CIBC to create the new entity.

Amir Tabakovic
Senior Market Manager, PostFinance, Director, Mobey Forum
Andres Fontao
Executive Mobile Banking Consultant, Clairmail
John Lunn
EMEA Director of Innovation, PayPal
John Lunn
EMEA Director of Innovation, PayPal
Biography
John has been building payments and anti-fraud systems on the internet for over 15 years and has advised many of the successful and less successful start-ups on their payment strategies. Originally a java certified developer and now an all-purpose hacker, John works developing future tech and Innovation for Europe, Middle East and Africa.
Keynote Closing Address: Engaging with customers and leveraging loyalty details
- A notable absence, the dangers of not having a mobile presence
- Leveraging loyalty: how can mobile be used to increase customer loyalty?
- Pingit: attracting customers' attention and engaging with generation Y
- Looking ahead: what can we expect from mobile banking in the coming years?

Sean Gilchrist
Managing Director, Digital Banking, Barclays Bank
Sean Gilchrist
Managing Director, Digital Banking, Barclays Bank
Biography
Sean Gilchrist is the Managing Director of Digital Banking for Barclays UK Retail Bank.
Digital Banking includes Internet, Mobile and Self-Service Banking and drives the commercial and operational channel performance and development of the services offered. As well as the sales, customer experience and growth, Sean is responsible for the operation of the services and development of the channels and their functionality.
Recognising the greater role digital banking has to play in Barclays multi-channel offering Sean has driven an agenda of growth and change. Results have already been seen with the introduction of improved online security measures making Barclays one of the safest places to bank online. At the same time Sean has doubled the Digital Banking top line and driven the development of Barclays mobile banking service.
Sean has been with Barclays since 2002, initially with Barclays Wealth where he established the Online Banking team driving the commercial performance and development of the Barclays International Online Banking offering. Prior to that he worked across a rang of "blue chip" financial services companies where he specialised in sales and distribution, e-services and transformational change management.
Following University, Lloyds Bank is where Sean started his career in Finance in 1986 completing their Management Development Programme. He is married with three children.
Chairman’s closing remarks
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