P AUSTRALIAN RETAIL a g BANKING SUMMIT 2018 e | 1

Customers versus Commission www.australianretailbankingsummit.com/ – Where’s Your Focus? #RFiGroupARBS I @RFiMediaGRB Tuesday 12th and Wednesday 13th June 2018

Grand Ballroom at the Four Seasons Hotel For more information, please contact James Harradine, 199 George Street, NSW 2000 RFi Group on 02 9126 2616 [email protected] This agenda is subject to change

EVENT PARTNERS MEDIA PARTNERS

AUSTRALIAN SUMMIT 2018

About RFi & Our Events

RFi Group is a global business intelligence and media provider focusing exclusively on .

We specialize in data and information gathering, customer-based insight generation and business decision support for the world’s leading financial service providers.

With offices in San Francisco, Toronto, Washington DC, London, Hong Kong, Singapore, and Sydney, RFi Group consistently provides clients with tailored advice and independent intelligence relevant to their specific market needs.

With a core focus on delivering insightful, valuable and actionable research within the banking sector both locally and internationally, RFi Group’s offering covers retail, SME, corporate, and private banking.

RFi Group produces over 100 key events throughout the year with an aim to produce quality interactive forums with insightful and relevant debate. We utilise our market insight to produce high-quality industry gatherings that provide attendees with both topical and thought-provoking sessions.

Our events are aimed at senior level industry leaders and we secure both national and internationally recognised speakers.

Australian Retail Banking Summit

The Australian Retail Banking Summit 2018 is the 9th annual instalment of the conference and will focus on the ever-evolving retail banking offerings both here and abroad.

This year, the conference will provide a holistic view of the retail banking market and a more valuable experience to delegates.

Discussion will deep-dive into the execution of innovation both locally and globally, navigating regulation, look at payments in the new environment, how best to deliver a differentiated customer experience and how customer expectations are driving change in personal finance.

Key themes: Who Should Attend? • Executing innovation • Senior Directors, executives and heads of retail banking • Digital identity • Senior executives, heads and directors of customer • Regulation: FSI, data, security, open APIs experience • Driving deposits and funding the retail • Head and directors of lending - Mortgages and Personal • Evaluating the success of innovation hubs • The impact of the NPP, mobile and platforms on payments Loans • Customer experience for the experience-loyal customer • Head and directors of cards and payment processing • The banking culture shift • Senior executives, heads and directors of digital and • Personal loans, credit and rewards schemes technology • Big data and analytics – winning the customer • Heads and directors of branches, distribution, and product development • Head and directors of marketing

www.australianretailbankingsummit.com/ 2 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018 Agenda – Day One Tuesday 12th June 2018

REGISTRATION

9:00 – 9:40AM Arrival tea and coffee

WELCOME & OVERVIEW

9:40-9:45AM Julien Wilson, Commercial Director - AUNZ, RFi Group

SESSION ONE: GLOBAL PERSPECTIVES AND LOCAL IMPLICATIONS

Chaired by: Chloe James – Group Media Director, RFi Group The currency of trust in a changing financial services landscape 9:45 - 10:15 AM • What constitutes trust in the Australian context? • How will open banking change the landscape? • Threats and opportunities Alan Shields, Co-founder; Managing Director – Consulting and Head of People and Culture, RFi Group

Opening Keynote Presentation: Innovate, Innovate, Innovate 10:15 - 10:45 AM Kate Cooper, Head of Innovation and Group Methodology, Banking Corporation

Leveraging Open Banking for a Competitive Advantage 10:45 - 11:05 AM The open banking paradigm presents both an unprecedented challenge and an opportunity for financial services providers. Even while it threatens to poach business from by levelling the competitive playing field, it opens possibilities for new business avenues and new ways of customer engagement. Infosys Finacle has the unique opportunity of working with banks across the world with strategies to help tap these opportunities. In this session, Infosys will talk about real life examples, with demos, of how banks across the world are leveraging open banking to gain a competitive advantage. The session will also dwell on success factors for an opening banking strategy and present a suggested strategy for Australian banks to implement open banking. Venkatramana (Venkat) Gosavi, Senior Vice President and Global Head of Sales, Infosys Finacle

Regulation: Where to from here? 11:05 – 11:35 PM Since 2009 the banking industry has been subject to a deluge of game-changing rule-making, the likes of which we have not seen since the Great Depression. Despite this, it is clear that regulatory change is not yet done, and the impact on the industry is far from over… • What recommendations can we expect from the Royal Commission, and how does this align with global trends? What other issues are at play? • Changing technology is changing the industry, but how will it change regulators and regulation • Serving the customer: do we need more rules or a new way of thinking? Kevin Nixon, Partner, Risk Advisory Practice and Global and Asia Pacific leader of the Centre for Regulatory Strategy, Deloitte www.australianretailbankingsummit.com/ 3 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018 Q & A 11:35 – 11:50 PM Kevin Nixon, Partner, Risk Advisory Practice and Global and Asia Pacific leader of the Centre for Regulatory Strategy, Deloitte Australia With; Andrew Stabback, CEO AB+F

MORNING TEA

11:50 AM – 12:15 PM

SESSION TWO: ROYAL COMMISSION AND NAVIGATING REGULATION The Algorithmic Retail Bank 12:15 - 12:45 PM Algorithmic banking is the future of retail banking. The definition of an algorithmic bank is one that uses algorithms, data, and data science to drive better decisions to improve customer satisfaction, profits, and to sustain relationships. These banks are customer obsessed, they are agile, and they develop new products faster and more quickly than their non-algorithmic counterparts and identify opportunities to shift and learn. Robert will discuss some concepts and examples of how retail banks can transform into dynamic digital entities. Robert Merlicek, Chief Technology Officer, Asia Pacific and Japan, TIBCO Software

PANEL: THE MONEY JOURNEY; PART ONE: Teach me how to Bank 12:45 – 1:30 PM • Protecting the bank - Protecting the customer – Getting the balance right • Creating robust financial literacy for consumers • Responsible lending and Open Banking • Solving for advice – to the masses • Impacts of CCR Chaired by Guy Carvalho, CEO of Banking Services, Novatti With; Richard Parker, Vice President of Financial Services, Enterprise Solutions Asia Pacific, Unisys Eric Wilson, Founder and CEO, Stuart Stoyan, Founder & CEO MoneyPlace and Chairman Fintech Australia

LUNCH

1:30 – 2:15 PM

www.australianretailbankingsummit.com/ 4 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018

SESSION THREE: INNOVATION, DIGITISATION AND FINTECH PARTNERSHIPS Confirmed: Chaired by Andrew Stabback, CEO, AB+F Rethinking Banking for the Digital Age 2:15 – 2:45 PM In the midst of digital disruption and shifting social paradigms, how can retail banks evolve their customer experiences to stay engaged, relevant and trusted? Drawing on best practice examples from outside the financial industry, CBA suggests how to embrace the opportunities of the digital age to foster meaningful customer relationships centered on financial wellbeing. Pete Steel, Executive General Manager Digital, of Australia

Facebook – how we are bringing our mission to life 2:45 – 3:15 PM • Deliver on the purpose • Value driven • Bringing values to life John Arnott, Industry Head – Financial Services, facebook & instagram

PANEL: Digital Success Stories: facebook, AliPay, Hashching and CommBank 3:15 – 3:45 PM Chaired by Christine St Anne, Managing Editor, RFi Group With; John Arnott, Industry Head – Financial Services, facebook & instagram Siobhan Hayden, Chief Operating Officer, HashChing George Lawson, Country Manager for Australia and New Zealand, AliPay Pete Steel, Executive General Manager Digital, Commonwealth Bank of Australia

AFTERNOON TEA 3:45 – 4:10 PM

www.australianretailbankingsummit.com/ 5 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018

SESSION FOUR: A RETAIL RECONNAISSANCE AND THE MONEY JOURNEY CONTINUED NPP and Faster Payments 4:10 – 4:35 PM • The NPP where are we now? • Cross boarder • Multicurrency Katrina Stuart, Executive Manager, Engagement - (Australia)

PANEL: THE MONEY JOURNEY; PART TWO: Teach me how to Spend 4:35 – 5:15 PM • Themes in spending • How do banks engage? • Credit cards – Is it over? Are Personal Loans extinct? • Buy Now/ Pay Later – Is there any other way… • Managing excessive spending Chaired by Chloe James, Group Media Director, RFi Group With; Phillip Finnegan, Managing Director, Pacific, ACI Worldwide Paul Greenberg, Founder and Executive Director, NORA Peter Lalor, CEO, MoneyBrilliant Victoria Richardson, Chief Strategy Officer - Australian Payments Network (previously APCA)

DAY ONE CLOSING REMARKS

The 9th annual Australian Retail Banking Awards will take place from 6:30 - 10:30PM at the Four Seasons Sydney Please follow this link for further information.

www.australianretailbankingsummit.com/ 6 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018

Agenda – Day Two Wednesday 13th June 2018

REGISTRATION

8:30 – 8:55 AM Arrival tea and coffee

SESSION ONE: PEOPLE AND CULTURE Chaired by: Andrew Stabback, CEO, AB+F

Banking Culture and Leadership 9:00 – 9:30 AM Pauline Vamos, Chief Executive Officer, Regnan - Governance Research & Engagement

FINSIA on the ethics of banking 9:30 – 9:50 AM Kylie Blundell, Head of Standards and Education, FINSIA

YOUNG BANK PANEL: The winners of the Young Banking Awards discuss; What we think. How we work. 9:50 – 10:20 AM • The Next Generation Chaired by; Kate Wilson, Research Director - AUNZ, RFi Group With; Lachlan Davidson, Head of Marketing - Home Owner, NAB Mark Sawyer, General Manager - Banking Products, CSF (Trustee for Catholic Super) Upul Senanayake, Specialist, Data Driven Experiences, Westpac Banking Corporation Jasmine Tan, Senior Analyst, Deloitte

PANEL: Industry View; Takeaways for Tomorrow 10:20 – 10:50 AM • Problem projects - what’s keeping you awake at night and where are the banking road blocks? • Impacts of a low rate environment • Customer experience and technology adoption • Real time decisions, innovation and technology • Effects of regulatory change Chaired by; Josh Gadsby, Business Development Director, RFi Group With; Lee Hatton, CEO, UBank Melanie Evans, Head of Retail, ING Australia Shannon Peachey, Lead - Savers & Investors and Head of Strategy and Data Analytics - Deposits & Payments, ANZ

MORNING TEA

10:50 – 11:15 AM

www.australianretailbankingsummit.com/ 7 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018 SESSION TWO: FINANCIAL LITERACY AND MAKING THE MOST OF YOUR MONEY Customer experience personalised; When digital and quality voice combine 11:15 – 11:45 AM Rocky Scopelliti, Director Industry Management, Optus and Andrew Pearson, National Sales Manager, Jabra AUNZ, with Andrew Stabback, CEO AB+F

PANEL: THE MONEY JOURNEY; PART THREE: Teach me how to Save 11:45 AM – 12:15 PM • Personal finance • Motivations behind saving • Spending trackers • How do banks engage Chaired by Gerald Ferguson, General Manager APAC, RFi Group With; Gareth Gumbley, CEO, Frollo Graham R. Smith JP MC, Chair, Financial Counsellors Association of NSW Bosco Tan, Chief Operating Officer, Pocketbook Katherine Temple, Senior Policy Officer, The Consumer Action Law Centre Erin Turner, Director - Campaigns & Communications, CHOICE

LUNCH

12:15 – 1:00 PM

SESSION THREE: PUTTING IT TO PRACTICE IN A ‘SMASH MIX MAKE’… BEFORE WE LOOK TO THE FUTURE CREATIVE WORKSHOP with Design Farm Collective Dave Mallam co-founded Design Farm Collective, a business design and investment firm that focuses on creating new forms of value out of creative, commercial thinking. Dave is a design thinker, a creative technologist whom pushes boundaries and explores the opportunities that create new forms of value for customers and businesses. 1:00 – 2:00 PM • This is not a presentation - spend the time getting your hands dirty as we tackle challenges faced by all businesses • Take part in a business design approach to creating new opportunities for value and growth • See how a different perspective may shed some light on some of your biggest business challenges • Brings together a broad array of markets, technologies, business models and environments • Apply alternative industry learnings and a new way of working • Applying a workplace culture or reflection and review • The outcome is creating new and divergent forms of value, outside of BAU Dave Mallam, Co-Founder, The Design Farm Collective and a team of facilitators PANEL SESSION: Workshop Outcomes 2:00 – 2:30 PM A selection of workshop participants and retail experts will discuss the retail ecosystem and how to innovate outside of existing products & services.

www.australianretailbankingsummit.com/ 8 Register now - [email protected] / 02 9126 2616

AUSTRALIAN RETAIL BANKING SUMMIT 2018

CLOSING KEYNOTE PRESENTATION - Brett King; on Leading the Digital Revolution 2:30 - 3:00 PM • Banking 4.0 Brett King, Founder and CEO of MOVEN, Amazon bestselling author, globally renowned commentator and respected speaker on the future of business

SUMMIT CLOSE AND AFTERNOON TEA

3:00 – 3:30 PM

www.australianretailbankingsummit.com/ 9 Register now - [email protected] / 02 9126 2616