Know Your Customer – for real is the title of the meeting organized by AssoFintech and Enhancers with the aim of opening a window on the experience of Incumbents, Startups Fintech and Technology Companies in designing solutions that combine the levels of UX achieved by financial services with compliance with regulatory requirements using Know Your Customer for the benefit of customers.
This new event hosted on the 6th of June by the Fintech District is dedicated to all those interested in the theme of the digitization of financial services and in particular to operators in the sector who are facing the introduction of KYC processes within their digital services.
With a series of speeches, delivered by Assofintech and Enhancers, we want to show how compliance processes can be integrated into digital services respecting the high standards of customer experience and be used to open new opportunities for innovation.
The event addresses a highly topical question, also because among the risks connected to the Know Your Customer process “there are also money laundering and the financing of terrorist activities”, as explained by Cristiano Motto, CoFounder & VP of AssoFintech. Information for the Customer Due Diligence includes a series of data and news that banks need to estimate what risks may derive from financial transactions performed on behalf of clients.
“Among the risks we find first and foremost money laundering and financing of terrorist activities” explains Motto reminding that “organizations have the obligation to ‘know their customers’, according to the KYC principle, for various reasons concerning anti-money laundering legislation and the prevention of fraud and identity theft, for example, but also the collaboration with police forces to find information about the clients investigated ”
It is evident that the prohibition on activating current accounts and credit lines, establishing commercial relationships and carrying out anonymous transactions is the basis of international standards for financial institutions but “unfortunately the implementation of Know Your Customer procedures represents a moment of complex management of customer relationship experience “.
Banks, FinTech and other players are designing increasingly sophisticated solutions to ensure full support for regulatory requirements and at the same time guarantee an experience that meets customer expectations. On the 6th of June we will talk about these experiences, also taking into account that PSD2 and GDPR are bringing important changes in the world of financial services, opening great opportunities to offer a better service to customers in full compliance with the regulation. According to Motto “The developments that currently expensive and complex processes such as KYC and AML will have in the next few years will be among the most important in the design of new operating models and business solutions”.
The Fintech District, together with Assofintech and Enhancers, looks to the present and also to the future, analyzing the evolution of Know Your Customer processes exactly in terms of PSD2 and GDPR. Data portability opens up new and interesting scenarios for compliance processes. “The portability of KYC and MAL is not currently a recognized and authorized feature of PSD2 – Motto points out – but the subject is very hot and expectations on new regulatory adjustments are very strong.”
With ten pitches of fintech startups and the signature of a “Memorandum of Understanding”, on May 17th, B-Hive and the Fintech District have shortened the distances between Belgium and Italy, officially starting a series of joint activities, aimed at the joint development of both fintech ecosystems.
With this event, which was also attended by Frank Carruet, Ambassador of the Kingdom of Belgium, and Chiara Ratzenberger, representative of the Ministry for Foreign Affairs of the Italian Republic, the Fintech District confirms its dual role of national reference point for those working in the sector and main access point for all the international stakeholders interested in getting in touch with the Italian fintech ecosystem.
In Bhive, the Fintech District has found the same “synergistic vision”: the two hubs share the idea that the development of individual ecosystems goes through international collaboration and the construction of bridges between countries that aim to put themselves on the map as a smart gateway to Europe and to the world.
B-Hive, fintech hub of reference in the BeNeLux market, supports startups in its ecosystem by giving them access to knowledge, network, market, funding and government. Its three key principles are: meeting, discovering and connecting. In this perspective B-Hive organizes monthly Fin & Tonic events, local matchmaking sessions and a series of European roadshows “to give our start-ups plenty of opportunities for matchmaking, networking and visibility via our events and channels” as the CEO of B-Hive Wim De Waele explains.
The meeting last week, hosted by the Fintech District at Copernico Isola for S32, was the first Italian stage of the B-Hive European Roadshow as well as the official beginning of a durable and constant collaboration between the two hubs.
THE STARTUPS PITCHES
The 10 fintechs presenting themselves to important companies active in the payments sector of their respective markets, have been selected by both hubs for their potential to create synergies and business opportunities in the same sector. The members of the Fintech District community involved were Conio, Domec, Growishpay, Hype, Satispay and Slimpay, listening to them and the “Belgian colleagues” – Digiteal, Intellect, GuardSquare and ZMS-k – there were some Italian companies consolidated and active in the sector like Banca Mediolanum, Sella, Widiba, Cerved.
THE SIGNATURE OF MEMORANDUM OF UNDERSTANDING
The objective of the two hubs in signing this document is to work on collaborative initiatives and further promote the FinTech industry across Europe for the benefit of the whole industry.
This is a single signature that is worth at least a dozen different ways to collaborate, all “win-win”. Here are the main ones, explained by the CEO of B-Hive Wim De Waele.
- Mutual exchange of information on regional info and statistics, innovation trends in financial services activities and products.
- Mutual exchange of information on legislation and regulation pertaining to innovation in financial services in the respective jurisdictions.
- Mutual exchange of information and media support on important events and accelerator programs taking place in the respective jurisdictions.
- Mutual communication and marketing support by adding logos on own website, social media sharing, press communication and any relevant collaboration.
- Assistance in organizing seminars and conferences on selected issues enhancing the development of the innovation of the financial services of each other’s region.
- Assistance in welcoming fintech delegations and start-ups from each jurisdiction.
- Facilitating contacts only for the fintechs from the respective jurisdictions with fintech community, start-up support institutions, established financial institutions, regulators, universities and research institutions in each jurisdiction.
- Potential joint innovation projects on the application of novel financial technologies.
- Cooperation in the area of training and talent management.
- Cooperation in the area of communication and marketing. Mutual promotion about specific events and Fintech news on media channels.
THE B-HIVE REPORT
B-Hive produces a report for each city visited in its Roadshow telling “lights and shadows” of the ecosystem with which it has established a collaborative relationship. Regarding Milan, B-Hive highlights that “the presence of the stock exchange and startups are essential characteristics that turn this city into an attractive place for a huge FinTech community”.
According to this Belgian Fintech hub, the three factors that make Milan attractive for fintechs are: the stock exchange, talented workforce and a vibrant startup ecosystem. In its report, available at this link, B-Hive tells that “in order to gain a place on the international financial scene, Milan implements a ‘niche strategy’ addressed at private equity, asset management and fintech”.
Thanks also to the presence of some of the best universities in the world, such as Bocconi University and Politecnico, and its ambition to become one of the smartest cities in Europe, Milan is considered “the most attractive city in Italy for launching a startup, it is the heart of the startup scene in Italy”.
Big news coming soon for Gimme5 customers. Flavio Talarico, product manager, has anticipated some of them: ”We will give soon the opportunity to accumulate their savings starting from the very small everyday expenses, going to intercept the rounding of any type of transaction. We will also give the opportunity to supply the Gimme5 account going to insert fintech realities present in the market. Thus giving the opportunity to increase their account using other payment systems”. According to Talarico, “It is an example of how this sector is born to cooperate and not to compete”.
Gimme5 is the digital “piggy bank” that helps people to accumulate small or large amounts of money and make them grow over time. Everyone can set a savings goal and achieve it freely. You can always save money the way you want, set up automatic rules that help you be constant or invite friends and relatives to help you reach your goal.
This service constitutes a Business Unit of AcomeA SGR, an Investment Management company founded on July 2010, and joined the Fintech District at the beginning of this year. “Being part of this community offers us the opportunity to share our experience with many young and dynamic realities like ours – explains Talarico – It also offers us the opportunity to be part of the change taking place in our country today and that initiatives like the Fintech District aim to achieve, stimulating cooperation in the sector more than competition”.
Gimme5 was created to satisfy the multiple needs of new generations who have low awareness of the opportunity to save and invest through a fintech service. “We want to encourage the creation of a generation of ‘Smart savers’ to allow everyone to access an efficient investment product without entry barriers, through a gradual growth path of their financial awareness”.
More than 20K people have started saving and investing with Gimme5, they have invested more than EUR 20 million, over 75% are millenial. Talarico points out that “it is a surprising result in a sector too far from this target and still accessible to a few, at least in Italy”.
As a matter of fact, according to him, “the gap to be bridged between Italy and some European Union countries and beyond is still great, but something is moving and the Fintech District demonstrates this. The support of the institutions seems to give new life to the movement, so we are confident that soon we can fill those gaps especially regulatory. A different and longer problem is to fill the big gap in financial literacy that still exists in Italy”.
Over 1200 registered people spread over 11 events, all categories of the fintech ecosystem involved, a week between social trends. The first Italian Fintech festival, organized by FintechStage with the Fintech District as ecosystem partner, has been an international success. Even in Dubai they noticed it and asked to do a similar festival in January.
From 7 to 10 of May, the first Italian Fintech festival involved three Italian cities – Rome, Milan and Turin – proposing a program of meetings with international speakers, experts in artificial intelligence, open banking, Regtech, crowdfunding and InsurTech. It was an event open to the world, with all events in English, and open to institutions, financial institutions and banks that had the opportunity to organize their own event within the first Italian Fintech festival in order to raise awareness of the fintech sector as much as possible and to explain how it is evolving and changing.
Matteo Rizzi, co-founder of FintechStage, satisfied with the success of the festival, promises “a next edition, much bigger, next year” saying that already in January there could be a ‘field trip’ to Dubai “who wants to do a festival with us”.
There were more than 1200 people in total at the 11 events scheduled, there was a large participation therefore, considering that it is an industry event. The open and international format chosen for this first Italian Fintech festival “was able to involve all the categories of the fintech ecosystem – says Rizzi – startups, investors, banks, insurance companies, technology partners and regulators. Also finally the universities. In all three cities there was an excellent response and we were among the social trends for a week”.
The theme that was most successful was undoubtedly the collaboration between banks and startups: “we talked about it every day, in every meeting, no matter what the specific topic of the discussion was”. Among the most surprising events that will remain in the history of this first Italian Fintech festival, according to Rizzi, there is the one with the CEO of SwissRe, Daniela D’Andrea, “a pragmatic and innovative woman, for the first time at FinTechStage. We are really proud of it! “.
Another very mentioned topic in all the 4 days was the need to spread more knowledge about the fintech. FintechStage, which organized the festival for this purpose, will not wait for the next edition to contribute“. After this first Italian Fintech festival, thanks to the partnership with Gellify, we will be much more active in Italy, both as a targeted strategic consultancy, not in competition with ‘the Big ones’, and as events and workshops “.
Just before the start of the festival, Gellify, a B2B innovation platform, announced the acquisition of FinTechStage with the aim of expanding its innovation advisory activities and creating vertical communities also in the Finance sector. According to Rizzi, the partnership with Gellify “is ideal for pursuing the growth objectives that FinTechStage has set itself by adding to the part of eco-system building an activity of strategic consulting and business co-creation”.
The current challenge experienced by Fintech sector is called open banking, it involves both banks and startups in building a bridge that unites each other and brings them advantages. During the 3th edition of Deloitte EMEA Fintechtaks, last Tuesday, we talked about how startups and incumbents can reach a win-win collaboration that is effectively a “win-win-win” collaboration, convenient also for customers.
This event, held on the second day of the FintechStage Festival, was a live streaming between the Deloitte Greenhouse and the community of the Fintech District. “This setting is itself an evocative metaphor of what the future holds us – according to Marco Scappa, managing director of Fintech District – a tech enabled collaboration between fintech players, both traditional and new, facilitated by Consultancy Firms”.
After two sessions, respectively dedicated to incumbents and fintechs, the Oxford debate between “the disruptors” and “the collaboratives” had a positive outcome for everyone. The “bridge” of open banking can be built and indeed is already under construction.
The keynote speaker Sam Maule, managing partner of 11: FS, opened the Fintechtalks highlighting how the business model of banks and financial institutions has remained unchanged so far, because it works, ”but with the technological leap, things are meant to be changed”. “They have been turbulent years because of the global crisis and the arrival of PSD2 and GDPR, which have changed consolidated business models – explained Maule – The world of financial services is evolving, it’s better to be prepared, with an open approach to sharing its best services and exploiting the best services of others”.
All the speakers agree with the fact that banks and startups do not start from zero: both have long felt the need for change and they are taking their first steps. The startups, generally more quick and fast, try to seize the opportunities related to both technological and legislative innovations while the banks, slowed down by so many rules imposed on them, have opened their eyes and are doing scouting among new generations of talents.
The birth of new entities like the Sella Open Fintech Platform by Banca Sella or CheBanca! of Mediobanca is also a significant step. The Deloitte EMEA Fintechtalks was an opportunity to take stock of the situation and to note that open banking can allow all stakeholders to make a big leap.
“The switch to Open Banking would be a quantum leap for banks – pointed out during the debate Serena Torielli (Advise Only) – Banks need to completely rethink their structure and adapt to new rules. Customer expectations are already there”. According to Gil Cohen (Open Legacy, EMEA) “collaboration between Fintechs and banks is the fastest way for consumers to be able to utilize new technologies. The benefits are easy access to the mass of consumers, faster entry to market, and trust.”
Ghela Boskovich (Rainmaking Innovation) and Sophie Guibaud (Fidor Bank) have stressed that banks and fintechs have a lot to give to each other. Already Marco Scappa, starting the meeting, had explained the point of view of the Fintech District, very similar: “Open Banking is all about collaboration. For traditional players collaboration takes the form of crowdsourcing technology and product while focusing on their primary reason for exiting: risk management and efficient resource allocation. For new players, instead, is about product management, for the rest of the world is about financial inclusion and service efficiency”.
It seems an easy change, almost automatic, on paper: Open banking creates a collaboration in which everyone makes the best of their offer available and integrates it with the best of that of others. The problem is, above all, cultural and during the Oxford debate the need for a change of mentality has been discussed in depth.
“The banks have to do two things” according to Roberto Ferrari (Mediobanca Group) “they have to team up and to improve the way they communicate their innovation”. Diana Biggs (HSBC) pointed out that “innovation is a concept that starts from top management. Without a concrete cultural revolution, it is not possible to pursue Open banking.
No one in the debate has questioned the urgent need to do a cultural job because everyone agrees with the words of the moderator Paolo Gianturco (Deloitte) “If we don’t change the culture and the processes we should not expect a real change in technology.”
Launched on the market in 2015, Satispay currently has hundreds of thousands of active users and dozens and dozens of operators. Its goal, within a year, is to exceed one million active users and hundreds of thousands of registered merchants.
This fintech Italian startup used the EUR 27 million of investments raised so far to develop the Italian market but “once the critical threshold of one million active users has been reached – explains the CEO Alberto Dalmasso – we will work to internationalize, being on our own two feet on the Italian market”.
Satispay is a credit card-independent payment system that can be used by anyone that has a current account and a smartphone, it does not matter what your bank, phone or telephone operator is. It can be used to pay in stores, to pay money to friends or pay online, to make phone top-ups.
To internationalize its service Satispay “will need more than 50 million euros of investments, with which it will be able to finance the expansion in particular towards two European countries, Germany and France”. Why just these two countries?
Dalmasso immediately illustrates the reasons for the choice, different in both cases but equally strong. “Germany is a country very similar to Italy for the high use of cash and has a population that, as in Italy, wants to go digital but has not so many services available today. France is a country more evolved from the point of view of payments but with a very high adoption of all digital solutions by its population. It can be seen from the top of P2P applications”. Dalmasso points out that in this country there are currently no strong solutions to pay in stores and he is convinced that Satispay can get to supply them “within the next two years”.
Both in Italy and abroad, the success of a fintech service does not necessarily require financial citizens’ education, according to Dalmasso who is convinced that it is mainly a matter of “proposing a profitable solution to people ready to understand the opportunities linked to it. The rest comes as a result. If a product or a service is profitable and handy, people sooner or later notice it and use it”.
It all makes sense because Satispay can be defined as a solution to simplify everyday payments “thanks to the fact that it has very low commissions, it is free for private individuals, completely free under EUR 10 also for merchants and with a commission fixed at only 20cents for merchants for payments above EUR 10”.
Being a member of the Fintech District community for a reality like Satispay means “becoming part of a nascent movement in Italy, the fintech one” according to Dalmasso who points out that “consumer habits are being transformed and the way in which the financial industry serves consumers themselves is also being transformed. Serious occasions for aggregation that can lead to synergies and dialogue with the institutions are relevant”.
In Satispay right now there are almost 70 people and the team grows by a couple of people a month. In the past few months the company moved in the headquarter of Fintech District, at Copernico Isola for S32, “in order to be physically in what is today the heart of the Italian Fintech”.
Walliance has updated its online real estate investment platform and, with the English version of its website, now accelerates on internationalization upon the return of the FUTURE: Proptech in London. The CEO Giacomo Bertoldi explains news and perspectives.
Why did you update the site? With which priorities?
At present, only by aiming for high quality, also in terms of usability, it is possible to attract more users, involving them in the real estate investment process. Therefore, a product update, both of software and of the user experience, was fundamental for Walliance.
What are the most important news?
In the project fiche, we have highlighted all the important information for users, both those specific and those concerning the reference market. In the Release WebApp, we’ve eliminated unnecessary features by adding others, designed it exactly as if it was a mobile app. The most significant innovation is certainly the English language release that opens the doors to foreign users. It is the first step to achieve our international growth goals.
For the English version of the site, it was not just a translation, was it?
Yes, exactly! In addition to the translation, we had to make changes on the structural side: personal notifications, transactional emails, interactions with chatbot, regulation, etc. It was also necessary to implement all the functions to simplify the registration and investments by users outside Italy. What are your international goals for 2018?
We aim to complete the process of internationalization from the regulatory point of view, in order to respect the time-to-market expected in early 2019. Fresh capital will allow us to increase our presence in the most strategic European countries. From the point of view of the projects, internationalization has already begun: we have identified investment opportunities in the United States, there will soon be other interesting locations. On the investor side, the goals are the same we have for the Italian market: average investment of + EUR 20k, HNWI customers.
What are the greatest difficulties?
The biggest problems are related to regulation. A single market with different regulations inevitably presents distortions that affect the activity of platforms like ours. The attempt at harmonization carried out by the European regulation on crowdfunding proposed by the European Commission does not help. The real problem is basically the maintenance of 4 licenses based on different regulations.
You just came back from FUTURE: PropTech, in London: how did it go? What opportunities did it open for Walliance?
As a main sponsor we had an important visibility and we found a great interest in Walliance: we hope that important collaborations will follow. This showcase on the European market has allowed us to put into practice the scalability of the business, trying to ride the interest of the foreign market towards real estate investments in Italy that is always alive. The 90% of FUTURE: Proptech’s exhibitors were companies that offer services of Virtual Reality and Data mapping, this gave us some interesting ideas also on blockchain, even if the theme still has unclear aspects.
Lendix is the first Italian platform to have access to the guarantee fund to reduce the risk of lending operations. “This tool allows us to have an even more competitive offer to companies and to reduce the cost of access to credit for SMEs” according to Sergio Zocchi, CEO of Lendix Italy, who emphasizes that “this is an extremely important result for Lendix, for which we have worked hard in the last few months”.
Lendix is a lending platform for SMEs through which Spanish, Italian and French companies can apply for funding to a community of investors who directly offer their savings or capital raised to support the real economy. Launched in France three years ago, Lendix in 2017 expanded its activities in Spain and also in Italy “where there is a contraction of credit available to businesses – explains Zocchi – Here the economic situation of SMEs depends strongly on bank credit and there is the need to offer new financial channels, in order to diversify”.
In the Italian market, Lendix achieved important goals in just under a year providing more than EUR 15 million to Italian companies with more than 30 transactions. “Becoming the first Italian platform to have access to the guarantee fund to reduce the risk of lending operations, now we are able to offer great benefits to our lenders and businesses”.
For Lendix, the participation in the Fintech District “is very important for the collaboration with the Italian Fintech community”. Zocchi considers it “a point of aggregation, an extremely important instrument to foster the dialogue within the community and towards all the stakeholders, the institutions and the subjects who are interested in fintech. All the initiatives carried out by the Fintech District involve the main operators: it is really becoming the centre of attraction of the activities and initiatives of the fintech Italian ecosystem”.
Looking at the international scene, Zocchi tells that, till today (April 2018), Lendix has provided a total of EUR 180 million to more than 400 SMEs in Italy, Spain and France, “bringing significant financial resources directly to the real economy, helping companies to diversify their sources of financing and to access alternative channels for their development projects”.
The approach of this French Fintech platform consists in providing an offer the broadest possible, covering all sectors and dimensions, for projects that have also very different durations. “The recent opening in Germany and the Netherlands provides even more opportunities for choice”, Zocchi points out, adding that “from the latest analysis of the behaviour of its investors, we noticed that there is a good readiness to invest even outside the national borders in order to diversify”.
Artificial Intelligence is everywhere, in the fintech industry it is achieving real results and the growth and success of those companies is proving that. During the event organized by Euclidea and hosted by Fintech District on 23 of May, we will discuss the future of artificial intelligence and what it should mean for humanity, focusing on the Fintech sector “where the use of Artificial Intelligence can only increase” according to Luca Valaguzza, founder of Euclidea, a member of Fintech District.
This FinTech company based in Milan is challenging the status quo in the European Wealth Management space through innovations in investments, technology and marketing. Valaguzza tells us his vision on Artificial Intelligence, “between myth and reality”.
Artificial Intelligence in finance: what kind of applications does it bring, in the short term and in the long term?
Artificial Intelligence in finance consists in applying some techniques borrowed mainly from computer science, in various fields – from sentiment analysis to prediction of historical series – in order to improve investment choices and make them less dependent on human view. It can also be used to improve the knowledge of the final customer. In the long term, the use of Artificial Intelligence in finance can only increase.
Professional investors how are they welcoming the innovations of Artificial Intelligence? And non-professional investors?
In general, non-professional investors are fascinated by these innovations. On the other side, professional investors invest a lot in them. However, as professional investors, they have the responsibility to distinguish the hype that runs around the Artificial Intelligence from any benefits that it brings in the concrete.
On this subject, is there a difference between Italy and the rest of Europe and the world?
No difference emerges from our Fintech observatory between Italy and the rest in the world, both for the skills and for the development of Italian companies that are born with a European vocation.
In terms of investments in Artificial Intelligence in finance, how is the Italian situation compared to the international situation?
It is a fundamental point for all the realities. The most innovative are small and dynamic realities or large banking groups that create vehicles or “ad hoc” companies to study and invest in Artificial Intelligence. The average realities have lagged behind.
Robot advisor supported by human consultants: is this the solution?
Surely the “hybrid” model is what we think is more successful and it is what Euclidea has embraced from the beginning. This model lets the customer choose the solution he prefers, entirely digital or with a human support by phone, or the more traditional relationship that relies on robot-advisory technology. It should be emphasized that a digital model is disruptive if it brings a strong benefit in terms of cost savings to the end customer.
AI and financial education: Artificial Intelligence applied to finance can help Italians to increase their skills in the sector and awareness of their choices?
In Italy it will be a very long training. We start from a very low level in which any actor and any innovation can help improve financial education. It is essential to reach the awareness of your choices with respect to what you invest in and how much you pay.
To find out more about the future of Artificial Intelligence in finance, take part in the event “Artificial Intelligence between Myth and Reality”. Sign you up here.
The third Italian edition of the EMEA FinTech Talks, on the 8 of May, is a live streaming between the Deloitte Greenhouse and the Fintech District that, with this free and open initiative, aims to promote the fintech’s knowledge, sharing an high-level debate with his community and people interested in the topic.
The EMEA Fintech Talks this year is part of the first Italian Fintech Festival, organized by Fintechstage between the 7th and the 10th of May 2018 in Rome, Milan and Turin with the Fintech District as Ecosystem partner. The topic of this edition of EMEA Fintech Talks is the opening up of banks’ financial data: Open Banking. On the 8 of May, in Milan, we will examine in depth the impact that these new platforms can generate in terms of growth and soundness of the services offered to users.
Indeed, for a bank, “embracing open banking is not just a matter of adapting to the PSD2 or merely displaying its own APIs: these are necessary steps. it means operating as a platform company and radically changing the way in which value is created for its customers”, according to Paolo Zaccardi, CEO of Sella Open Fintech Platform. He explains that this change is possible “by providing them with innovative services and, at the same time, by encouraging the exploitation of the large amount of data generated by the use of an open platform”.
Zaccardi will participate in the first of the three panels proposed in the EMEA Fintech Talks, together with other national and international speakers from the world of banks and companies, called to illustrate their point of view. Fintech successful startups will participate in the same round tables of EMEA Fintech Talks with their experiences of open banking, a novelty that, according to Zaccardi, “requires financial institutions to adopt a new way of banking, based on an Open Platform model that allows the various actors of the financial ecosystem to interact and collaborate with each other through an API and services infrastructure”.
“In Sella, Open Banking platforms are considered the heart of financial intermediation of the future”, which is why, as Zaccardi explains, “we are working on an Open Platform that will become a creative environment where different actors collaborate and build innovative business models in order to respond effectively to the new expectations of customers who increasingly require immediate, personalized and relevant services “.
During the EMEA Fintech Talks the impact of open banking will be analyzed from different points of view. From the Fintech District, it will be possible to interact with the speakers during the Q&A sessions. The event will be open with the contribution of the Keynote Speaker Sam Maule, Managing Partner North America for 11:FS, with over twenty years of experience working in the payments, mobile, and banking space across North America and Europe and sought-after speaker focusing on the human element of digital and banking innovation.
The EMEA Fintech Talks will be held in English with simultaneous translation in Italian language. Reserve your place here and be part of the fintech revolution!