Author

Dan Brightmore

Published

4 September 2025

Estimated Read time

5Mins

The Financial Transformation Summit (FTS), presented by MoneyNext, took place June 18-19 2025 at London’s ExCeL Centre, Royal Victoria Dock. With over 2,000 attendees, 300+ speakers, and 400 roundtables, it stood out as one of the most immersive and interactive events in the financial services calendar.

FinTech Strategy hit the conference floor at the heart of the action delivering insights from experts across Banking, Insurance, Wealth, and Lending at Financial Transformation Summit (FTS).

Financial Transformation Summit attendees from banking, insurance, wealth, lending, fintech, consultancy, and regulatory sectors convened for two days packed with keynotes, panel talks, immersive demos, and networking among 60+ exhibitors and startups.

Co-located streams – Banking, Insurance, Wealth, and Lending part of themed zones – meant that ticket-holders could explore adjacent sectors fluidly across a guiding theme: culture, collaboration, and customer centricity driving tech adoption and transformation.

Programme Highlights

Keynotes & Panels

1. Data Silos & Cross‑Institutional Collaboration

A panel featuring senior leaders from EVLO, Aon, Schroders, and Brit Insurance tackled how institutions – despite collectively spending over $33 billion annually on data – still struggle to collaborate due to privacy concerns and regulation. Innovative solutions included federated learning, anonymised client IDs and consent-backed APIs.

2. Digital Insurance via Wallets

Anna Bojic (Miss Moneypenny Technologies) unveiled a fresh take on insurance – embedding policy and claim data into Apple/Google Wallets. The idea: dynamic customer interaction directly from smartphone wallets, enhancing real‑time engagement and retention.

3. ESG Economics & Market Reality

Marc Kahn (Investec) challenged ESG orthodoxy, urging firms to emphasise human and planetary wellbeing – beyond purely financial returns – to capture stakeholder trust and sustainable growth.

4. People & Psychological Safety

Kirsty Watson (Aberdeen Group) and Vikki Allgood (Fidelity International) underlined that technological investments are futile without organisational design and psychological safety. Allgood cited a McKinsey study revealing only 26% of leaders build teams with a sense of safety – a critical step toward innovation.

5. Human‑Centred AI

Monica Kalia (Planda AI) championed AI that models individual financial contexts – recognising diversity within demographic cohorts and personalizing services accordingly.

Roundtable Experiences at FTS

At the event’s heart were the TableTalk roundtables – 400+ small-group sessions, each led by a subject-matter expert. These were limited to six participants each, enabling deep, peer-led discussions on themes like:

  • AI in risk and compliance
  • Open banking integration
  • ESG data standards
  • Cyber resilience
  • Change management and culture adaptation

Attendees consistently praised their interactive nature – far removed from the stage‑focused “listening” format often critiqued at other conferences.

Demonstrations & Exhibitor Showcase

Over 60 exhibitors presented tech-driven innovations: Generative AI, open‑banking APIs, ESG reporting tools, embedded finance solutions, and more. A few standouts were:

  • CRIF highlighted AI-powered credit scoring with ESG overlays – promising dynamic risk assessments backed by sustainability data
  • Emerging FinTechs demoing AI compliance engines, digital wallet insurance packaging, and data-sharing platforms
  • Hyland demonstrated the intuitive end-user experience of its Hyland Content Innovation Cloud™ and showed how easy it is to configure, tailor and deploy solutions that can empower key stakeholders across any business

The demo zone allowed engaging, hands-on exploration and real-time Q&As; it complemented the content with practical insights.

Standout Themes & Strategic Insights

1. Tech is Not Enough Without Culture

Recurrent messaging emphasised that culture, trust, governance, and psychological safety are foundational – not secondary – to digital initiatives. Technology alone won’t deliver transformation without a people-first mindset.

2. Cross‑Sector Data Collaboration

Despite heavy investment, institutions still operate in silos. Shared, secure infrastructure and regulatory-aligned frameworks are being prototyped, but broad adoption remains a work in progress.

3. AI-as-a-Personalisation Backbone

AI is shifting from automation to empathy. Organisations showcased tools to hyper-personalise offers yet maintain privacy and inclusion – moving beyond outdated demographic frameworks into genuine behavioural understanding.

4. Embedded Finance & Digital Wallets

Insurance via wallet applications and embedded finance models point to seamless customer journeys – less app hopping, more value delivered at the point of need.

5. Rebalancing ESG & Profit Metrics

Speakers emphasised integrating ESG factors into performance metrics – not just for compliance, but as an operative advantage anchored in long-term stability and stakeholder trust.

Who Should Attend FTS Next Year?

Ideal for:

  • Transformation and change leaders
  • CTOs, CIOs, and Heads of Innovation
  • Data and AI strategists
  • Operational and HR leaders focused on culture
  • FinTech innovators and solution providers

If you’re crafting digital transformation strategies, an attuned leader in financial services, or a consultant embedding tech in legacy environments, this summit provides rich, actionable content.

Expect next year’s event to build on this foundation:

  • More AI-specific tracks, possibly Generative AI streams
  • ESG deep-dives with case studies on implementation
  • Expanded regulator involvement around data governance and cross-border compliance

FTS: Final Verdict

Overall, the FTS 2025 delivered on its brand promise:

  • Interactive and inclusive: 400 roundtables empowered voices across levels.
  • Cross‑sector learning: Banking, Insurance, Wealth, and Lending streams offered both breadth and depth.
  • Insightful keynotes: Big ideas on AI, ESG, data-sharing, and culture were well-explored.
  • Real-world relevance: Exhibitor demos connected theory with practice.
  • Networking with purpose: Opportunities to engage, learn, and collaborate were abundant.

The Financial Transformation Summit struck a compelling balance between big-picture vision and granular, execution-level insight. It emphasised that while technology enables; culture, customer centricity and collaboration drive real progress. The format – with its roundtables, demos, and keynotes – offered a dynamic platform for knowledge exchange.

If you attended, chances are you left with practical next steps. If you didn’t, you missed one of the most interactive, future-focused events shaping financial services transformation today.

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Author

Dan Brightmore

Published

12 August 2025

Estimated Read time

8Mins

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FinTech Strategy meets Eastern Horizon Founder & CEO Christine Le to discuss client expectations and the changing landscape of wealth management

Financial Transformation Summit 2025 EXCLUSIVE

At Financial Transformation Summit, Christine Le, a Chartered Financial Planner and Founder & CEO of Eastern Horizon Wealth Management, spoke on an investment panel – “Generational Wealth Transfer: Meeting the Expectation of Younger Clients”. Appearing with industry colleagued representing Citi Global Wealth, HFMC Wealth and Lightbox Wealth, Le considered: What trends and technologies are shaping NextGen investment decisions, and how can WMs stay ahead? Can digital wealth platforms meet the demand for hyper-personalised, user-friendly experiences? How does social responsibility & ESG investing influence younger investors, and how can advisors align with these priorities? How can wealth managers build and maintain trust with NextGen investors?

Following the panel, we spoke with Christine to find out more…

Hi Christine, tell us about your role at Eastern Horizon?

“I’m a Chartered Financial Planner and the Founder & CEO of Eastern Horizon Wealth Management. We are a financial advisory firm and also a partner practice of St. James’s Place. They are among the biggest wealth management firms in the UK based on assets under management. We get a lot of support from St. James’s Place in terms of technology compliance and investment solutions. At my practice, we focus on a diverse range of clients including ethnic minorities, especially British Asians in the UK. I’m also the president of the Vietnam Investment and Finance Association in the United Kingdom (VIFA). We aim to provide useful financial information for Vietnamese people in the UK and become a bridge between Vietnam and the UK.”

You were part of a panel at this Summit focused on Generational Wealth Transfer. Can you give us an overview of your thoughts?

‘’Having worked in the financial services industry for over 15 years, I’ve observed a persistent gap in how the industry serves diverse client segments – particularly ethnic minority communities in the UK. This gap is especially pronounced when it comes to financial education and long-term planning, including wealth transfer across generations. When I speak to members of my own Vietnamese community, I often find that there’s a limited understanding of how to navigate financial systems effectively – from managing investments and pensions to planning for intergenerational wealth. It’s not due to a lack of interest or ambition, but rather a lack of access to culturally relevant and accessible financial advice.

“This is where I believe I can make a meaningful difference. I not only bring professional expertise and technical knowledge to the table, but also a deep understanding of the cultural values, family dynamics, and communication styles that shape financial decision-making in the community. That cultural insight is key to building trust, something that is essential when discussing personal finances and planning for the future. My goal is to help bridge that gap – to empower families with the knowledge and tools they need to make informed financial decisions, preserve their wealth, and pass it on confidently to the next generation.’’

Why is this an exciting time for the business?

“At the moment the world is so integrated, and many people can benefit. A lot of people want to go to the UK, invest into the UK. I think with that in mind this is an exciting time to run my business and to be able to bridge that gap, providing sufficient knowledge for people as a trusted source when they come to the UK and need to understand the financial regulations. We can give people solid support to understand the financial processes of settling and building wealth in the UK.”

“Right now, everyone is talking about AI, and for good reason. In my business, we rely heavily on digital tools to streamline administrative tasks. It’s truly a game-changer. Compared to starting a business 15 years ago, when I would have needed a full-time assistant just to take meeting notes and summarise action points, many of those processes can now be automated, saving both time and cost. Another advantage is in how we communicate. Many of my clients are British Vietnamese. While they understand and speak English, they often feel more comfortable communicating in Vietnamese. We use AI-powered translation tools to make this process faster and more seamless. These technologies are allowing us to broaden the range of services we offer and tailor our support to each client’s needs.”

What pain points are your clients experiencing that you need to address?  How are you meeting the challenge?

“It’s about meeting the client’s highest priority. When people come to me, they maybe want to support their children to get onto the property ladder or plan for their retirement. They might be looking to buy a new car or move home. So, as a regulated financial advisor, I can sit with a client and talk them through key priorities and tailor the solutions best for them and help them overcome the pain points of decision-making.

“Additionally, the UK’s financial regulations are complex and changing all the time. It’s very difficult for people to follow. It’s my job as a financial advisor to follow up those changes and stay up to date with the regulations to assess how it can impact our clients and then give them the best recommendations. Allied to this, many of our clients will need support with cross-border services as they move freely between different countries they need somebody they can trust, an expert that knows what they’re doing and who can provide the right financial services for them.”

Tell us about a recent success story…

“Success for Eastern Horizon is to know that our clients feel they have somebody to rely on. For example, I have an old friend who came to me as a client. She was based in Vietnam but wanted to relocate to the UK. She had assets across Europe and in Vietnam and needed to understand the big picture of financial planning in the UK. We examined her assets across different countries to bring them into the UK and find the best solution for her to utilise tax efficient savings, pensions and investments to support her family and her business in the long term.”

What’s next for Eastern Horizon when it comes to wealth management? What future launches and initiatives are you particularly excited about?

“Over the next few months, we are keen to collaborate with different associations and communities across the UK – whether that’s related to Vietnam or British Asian communities and offer useful information and workshops and webinars tailored to different audiences. Also, with my work for the Vietnam Investment and Finance Association I want to organise workshops for those keen to invest in the UK but don’t know where to start. They often don’t have anyone to support them so I would like to focus on building a network to offer that bridge to investment in the UK.”

Why do you think the evolution of collaboration between traditional institutions and FinTechs is set to continue? What are you excited about?

“I spent five years working at the intersection of FinTech and WealthTech – where wealth management meets technology. During that time, I witnessed firsthand how the financial services landscape is evolving. Large incumbent banks bring undeniable strengths: scale, regulatory rigour, and long-standing client trust. However, they often struggle with agility. Their legacy infrastructures, many of which still aren’t cloud-based, make digital transformation slow and complex. On the other hand, FinTechs are born digital. They’re nimble, innovative, and quick to adapt to changing customer needs. But without the reputation and stability that traditional institutions have built over decades, they can face challenges in gaining consumer trust or navigating regulatory environments alone. What became clear to me is that banks and FinTechs cannot operate in silos.

“Collaboration is not just beneficial, it’s essential. When they work together, they combine the best of both worlds: the reliability and compliance of traditional finance with the innovation and customer-centric design of new technology. With my own practice, we apply this mindset. We actively look for ways to streamline administrative processes using digital tools – reducing costs, improving efficiency, and freeing up more time to focus on what matters most: building strong, human relationships with our clients. The goal is to use technology not to replace that human connection, but to enhance it. By doing so, we can deliver modern, efficient, and deeply personalised financial services that clients trust.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Eastern Horizon?

“I’ve attended several events this year, and this has truly been one of the most enjoyable and well-organised in the UK. What stood out was the impressive mix of voices – from established financial institutions to bold, forward-thinking startups. Engaging with such a diverse group of speakers has been both insightful and thought-provoking. I’ve come away with fresh perspectives, challenged some of my own assumptions, and found new ideas to explore as we continue building meaningful partnerships for Eastern Horizon Wealth Management.”

Find out more at easternhorizonwealth.co.uk

About Christine Le and Eastern Horizon Wealth Management

As an Appointed Representative of St. James’s Place, Practice Lead, and business owner, Christine leverages over 15 years of experience in financial services and wealth tech to serve our clients, acquired through extensive work in multinational financial services firms in the UK. This rich background has equipped Christine with the skills and knowledge necessary to effectively oversee the business, ensuring that every facet is managed with the highest level of professionalism.

Christine founded and built this Practice to help clients prosper, build financial security, and attain peace of mind while overcoming financial obstacles. 

Her primary focus is on nurturing enduring relationships with her clients, offering them trusted guidance as their financial requirements evolve over time. Throughout her advisory process, clarity remains paramount. By closely collaborating with her clients, Christine strives to identify the most efficient and tax-effective strategies to help them achieve their objectives. Specialising in tailored solutions, Christine is dedicated to understanding her clients’ financial goals and crafting strategies that align with their vision for the future.

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Author

Dan Brightmore

Published

11 August 2025

Estimated Read time

8Mins

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FinTech Strategy meets with Citigroup’s Head of ESG Credit Management, Mauricio Masondo, to discover the future for ESG and sustainable finance

Financial Transformation Summit 2025 EXCLUSIVE

At Financial Transformation Summit, Mauricio Masondo, Head of ESG Credit Management at Citigroup, featured on a sustainability panel – ‘The Future of ESG and Sustainable Finance: Balancing Profit and Purpose’. Alongside peers fromGenerali AM, Gallagher Re and Arma Karma, Masondo considered: What key metrics should FIs use to track ESG progress, and how can they ensure authenticity in their sustainability efforts? Developing a holistic ESG strategy amid evolving regulations – key challenges and solutions. How can FIs leverage technology to meet sustainability goals and drive long-term profitability? How can FIs move beyond offering ESG products to embedding sustainability into their core business models?

Following the panel, we spoke with Mauricio to find out more…

Hi Mauricio, tell us about your role at Citigroup?

“In my 32 years with Citi my career has primarily focused on wholesale credit, and in recent years I built out our portfolio management function. For the past year specifically, I’ve been leading the integration of ESG and climate considerations into our credit processes. As Head of ESG Credit Management, my role is to embed ESG requirements into our credit processes in a way that’s consistently and efficiently applied through technology, policies, training, and governance frameworks. Our strategic approach was not to create an ESG silo that replicates existing processes, but rather to integrate ESG considerations seamlessly into our current workflows. This means any credit analyst can now underwrite ESG credits, sustainable loans, or green loans, rather than requiring dedicated specialists. We’ve equipped our entire team with the knowledge and tools they need to handle these transactions effectively.”

You were part of a panel at this Summit focused on the future for ESG and sustainable finance. Can you give us an overview of your thoughts?

“Data standardisation is absolutely critical, especially as we advance into the AI era. I often reference Moody’s as an excellent example of strategic foresight. Moody’s operates two key businesses – credit ratings and data analytics – and early in their AI journey, they made the strategic decision to structure and normalise all their credit research data. This proved to be transformational because it enabled them to deploy AI solutions much more rapidly with clean, structured datasets. We’re working to apply this same principle at Citi. We’re developing processes to structure climate-related data in a way that will be usable across multiple applications. For example, we’re working on integrating emissions data and climate risk assessments into our credit risk rating models. We’re also exploring how this structured approach could support underwriting processes and securitisations, where comprehensive data packages could facilitate risk transfer transactions with institutional investors. The goal is to build normalised, structured data as the foundation for various applications, from portfolio management to AI-driven solutions. While we’re still in the early stages of many of these initiatives, the potential is significant.”

Why is this an exciting time for the business?

“We’re witnessing the convergence of several transformative trends. However, one of our biggest challenges is policy divergence across jurisdictions. Countries are taking vastly different approaches to ESG requirements, and for a global bank like Citi, this creates significant complexity in standardising processes across multiple regulatory environments. While challenging, this divergence also creates opportunities to develop scalable, cost-effective solutions that can adapt to various regulatory frameworks. Second, AI is revolutionising how we approach ESG challenges. It’s helping us structure data more effectively, enhance reporting capabilities, contextualise information, and identify trends that would have been impossible to detect manually.

“Previously, comprehensive ESG analysis required significant time, resources, and personnel. AI has made these processes more accessible and cost-effective. Most importantly, there’s been a fundamental shift in how the industry, and governments, view ESG. It’s evolved beyond compliance and emissions reporting to become a significant business opportunity. We need to capitalise on this transition – moving from reactive reporting to proactive opportunity capture. The capital is there, and if traditional banks don’t seize these opportunities, asset managers, private credit firms, and private equity will. We’re partnering strategically with reinsurance companies and asset managers to develop innovative solutions that unlock transition capital and help companies fund decarbonisation projects.”

“Trade flows are experiencing significant disruption due to current tariff policies. This creates both challenges and opportunities for our clients. Companies are reassessing their supply chain vulnerabilities and seeking greater resilience in their operations. I anticipate we’ll see a regionalisation of trade flows rather than a complete deglobalisation. European companies will likely increase intra-regional trade while reducing intercontinental transactions. We’re seeing similar patterns emerging in Asia and the Middle East. This shift requires banks to be more agile in how we structure trade finance and working capital solutions to meet these evolving needs.”

What pain points are you experiencing that you need to address?  How are you meeting the challenge?

“Working capital finance requires increasingly creative solutions that leverage advanced technology. Banks are recognising that FinTechs often have greater agility in developing and implementing these technologies. There’s significant efficiency in having one FinTech serve multiple banks rather than each institution developing independent solutions. This collaborative approach allows us to move faster while reducing development costs and time-to-market.”

Tell us about a recent success story…

“I designed and led the implementation of an early warning monitoring system for Citi’s credit portfolio. The project began with a fundamental concept: create a data lake, develop meaningful metrics, and engage data scientists to interpret the insights. We collaborated with trade officers and partnered with external specialists to enhance our capabilities.Initially, there was scepticism about the system’s value, particularly because we built it as an independent function within our portfolio management organisation, separate from traditional banking and risk management structures. However, this positioning allowed us to collect unique client data and develop insights that weren’t available elsewhere in the organisation. A critical component of our success was establishing a dedicated credit expert team that oversees the entire process.

“This team leads the engagement and communication of alerts, ensuring that insights are properly interpreted and actionable recommendations reach the right stakeholders. The evolution was remarkable. We progressed from generating a few alerts daily to dozens per day, and eventually to hundreds of alerts weekly. More importantly, we developed sophisticated processes for interpreting and acting on these alerts, with our expert team serving as the bridge between data insights and business action. Bankers and risk managers began to recognise the value, and today, three years later, the system is integral to how we conduct annual reviews and client presentations. It’s incredibly rewarding to provide our bankers with comprehensive data and insights that strengthen their client relationships.”

What’s next for Citigroup when it comes to ESG? What future launches and initiatives are you particularly excited about?

“While it may sound clichéd, AI truly is transformative for our industry. The breadth of use cases and the rapid pace of learning make it essential to our strategic direction. We’ve established a strategic partnership with Google and are investing significantly in AI use case development and implementation across our operations. From an operational perspective, AI will undoubtedly increase our efficiency as an industry. More importantly, it’s enabling us to evolve our business models and create client solutions that weren’t previously feasible. This opens entirely new avenues for innovative product development. Additionally, since CEO Jane Fraser joined, we’ve embarked on a comprehensive transformation program that’s delivering strong results in terms of financial performance and returns. We’ve restructured and simplified our operations, which positions us more competitively as we refresh our leadership teams and attract new talent. The trajectory is very promising.”

Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?

“The current tariff environment is creating opportunities for FinTechs that facilitate connections between banks, investors, and corporations. It’s also presenting consolidation opportunities for private equity firms within the rapidly expanding FinTech ecosystem.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Citigroup?

“The panel brought together diverse perspectives from FinTech, asset management, insurance, and banking – all addressing common challenges that span our sectors. This cross-industry dialogue creates tremendous opportunities for collaboration and mutual understanding. The key now is translating these conversations into action. We need to maintain these connections, expand the dialogue, and avoid making decisions in isolation. FinTechs possess the agility to implement changes in their operating models far more quickly than large incumbents like us. However, our procurement systems and processes aren’t always conducive to collaborating with smaller, innovative companies. Events like this highlight the need to streamline how institutions like Citi can collaborate with and learn from FinTechs. We must accelerate our ability to adapt to a rapidly changing world.”

Learn more at citigroup.com/global/our-impact

About Citgroup

A human bank…

We’re helping build more sustainable, economically vibrant communities around the world.

At Citi, helping our clients navigate the challenges and embrace the opportunities of our rapidly changing world is fundamental to our mission of enabling growth and economic progress.

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Author

Dan Brightmore

Published

7 August 2025

Estimated Read time

7Mins

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FinTech Strategy meets with Seema Desai, COO at iwoca, to hear how customer experience is being redefined in a digital lending era

Financial Transformation Summit 2025 EXCLUSIVE

At the Financial Transformation Summit, Seema Desai, COO at iwoca, spoke on a panel (alongside representatives from Zopa Bank and Citibank) about the shifting needs for customer experience in digital lending. How can lenders create hyper-personalised loan products to meet diverse customer needs? What are the best practices for maintaining a human touch in automated lending processes? How can lenders build and maintain customer loyalty in a competitive market? What role does omnichannel strategy play in delivering a seamless lending experience?

Following the panel, we spoke with Seema to find out more…

Hi Seema, tell us about your role at iwoca?

“I am the Chief Operating Officer at iwoca. We provide fast and flexible finance to small businesses across the UK and Germany. In my role as COO, I’m responsible for all of our UK operations teams. So, all of our agents that engage with customers throughout the customer journey. And I make sure that we’re offering a really high quality service that is also highly efficient.”

You were part of a panel at this Summit focused on redefining CX in the era of digital lending. Can you give us an overview of your thoughts?

“So, maintaining that personal touch is really important because that personal touch helps us to build trust with our customers. We all know that when dealing with money, that trust element is super important. There’s lots of things that iwoca does to maintain that. For example, every customer has a dedicated account manager. They can get through to them via a direct number. We also respond to emails fast, every email on the same day. And then we commit to answering at least 80% of calls in less than 60 seconds. We’ve got 10,000 new applications every month and about 30,000 customers making repayments currently. We’re doing all of this with an account management team of just 30 people. So, to maintain that level of personal touch whilst also being able to deal with that volume of customers, we absolutely have to leverage digital technology to be able to do that really efficiently. And there’s many ways that we do that…

“First of all, we make sure that our account pages and our signup flow is as clear and seamless as possible so that customers can self-serve if they want to. But we also make sure that with our operations activities, we’ve broken down every step of every operational process into a task that is visible on our in-house built CRM system. And then what we can do is run tests on every single step of those to see where having human interaction really adds the most value. So, we are constantly upgrading where we apply human interaction in a really forensic way to make sure that it’s optimised as much as possible.”

Why is this an exciting time for the business?

“It’s really exciting right now. We’ve been having some record months recently and broken some big milestones. We are now approving around 10,000 new business loans every month, which is huge. Our loan book across the UK is almost £1 billion. And then a bit closer to home, we’ve also just moved offices. We’ve got more space and we’re still able to attract exceptional talent into iwoca and it’s great to have a new home in central London to do that.”

“Embedded finance is a big trend right now. It’s important for us to make sure that customers can access lending when and where they need it. We’re integrating lots of partners through our open API – around a third of our applications come through partner channels. So, that’s a very important trend and growing for us in the future. We’re also seeing a lot of hyper-personalisation. We know that customers want to be able to tailor loan products exactly to their needs, and we want our products to be able to provide that flexibility to them. We’re looking at increasing loan amounts, changing durations and offering different types of repayment schedules with interest only options. And that’s hugely exciting. And one of the big trends that I’ve heard about here at FTS, and which we are working on at iwoca, is how we leverage AI and what we might be able to do with AI to make us even more efficient, but still maintain an excellent customer service.”

What pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?

“So, it’s important to remember that iwoca exists in order to solve pain points for customers because customers were just relying on traditional lenders. Those traditional lenders, the big banks, have much longer application processes, typically taking weeks and sometimes just aren’t able to lend to those customers at all because it’s not within their risk appetite. Whereas at iwoca you can get a loan within minutes. We can also lend to customers that banks couldn’t lend to because we’re able to use data and data science to be able to understand the risk level and different customers much better.”

Tell us about a recent success story…

“We are operational in the UK and Germany, and a success story for us is the fact that we are now working with a loan book of almost a £1 billion and we are profitable. And we have been for quite a while now, since early 2023. So, it’s a real success story for us that we’re able to use that profitability to fund our core business growth but also use it to invest in solving other pain points for customers beyond lending.”

What’s next for iwoca? What future launches and initiatives are you particularly excited about?

“Yeah, there’s a lot of things that we’re working on right now. I’m excited about some of the AI tools that we are trialling to make our service even more efficient. There’s a number of exciting applications out there, so there’s a lot of people at iwoca exploring and exploiting different AI technologies. It’s going to be very exciting to see how that rolls out across our business in the rest of this year. And then also looking at new ventures that are beyond lending, which we may be launching later this year or early next.”

Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?

“Collaboration is hugely important to us and our business model. Traditional banks are able to access capital more cheaply than we can, but they’re able to provide us with access to their balance sheet so that they provide financing to us so that we can then lend to our customers. So, with their financing, we are able to use our data and our technology to reach customers that they wouldn’t be able to reach directly. At the moment, something like 80% of our funding comes from banks such as Barclays and Citi. So, they’re hugely important to us and we are continuously reviewing with them the performance of our own book and finding ways that we’d be able to lend to more of our customers.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for iwoca?

“This is my first time at this event, and I’ve been really impressed. It’s been really well organised and the panels have been insightful with some great speakers. I’ve learned quite a lot. I’ve met some really interesting people and I’m really impressed by the diversity of people that are coming here. So, I was just on a panel with somebody from Zopa, which is where I used to work. I also met somebody in the audience who came from Lloyd’s, which is where I worked about 15 years ago. So, it’s great to see that this ecosystem being brought together at FTS.”

Learn more at iwoca.co.uk

About iwoca

Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities – making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion pounds in funding available to over 100,000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.

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Author

Dan Brightmore

Published

6 August 2025

Estimated Read time

6Mins

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FinTech Strategy speaks with Jonas von Oldenskiöld, Head of Partnerships at Qover, about the future for the insurance industry

Financial Transformation Summit 2025 EXCLUSIVE

At Financial Transformation Summit, Jonas von Oldenskiöld, Head of Partnerships at Qover, spoke on a panel (alongside peers from Davies Group, Accenture, Superscript and YuLife) entitled ‘Bridging the Gap: How InsurTech is Reinventing Traditional Insurance Processes’.

Following the panel, we spoke to Jonas to find out more…

Hi Jonas, tell us about your role at Qover?

“I’m the Head of Partnerships at Qover. We are focused on embedded insurance. We try to enable that for a lot of different players in the markets. Everything from motor insurance, SMEs, going the whole way down to simple things like classes[1]  such as travel, trying to be the enabler between the typical risk carrier and the distribution platform.”

You spoke on a panel at the Summit about InsurTech innovation. Give us an overview of your thoughts…

“It was a very interesting group of people on the panel coming from different angles across the industry. And the key things for me were around where InsurTech needs to go now and how it enables insurance companies at this point in time. The common understanding was that we, the InsurTechs, come from being disruptors to being more of a force into them where we can plug in and help them to change a little bit the behaviours that are currently going on. Being that catalyst in the organisation and helping them to drive innovation. Because I think a lot of large organisations have realized that innovation cannot be driven by a single hidden team somewhere, it needs to be driven from a business perspective.”

Why is this an exciting time for Qover?

“I think there are many reasons. Of course, you cannot be at an event like this without speaking about AI and the opportunity that gives to us. Also, we’re seeing a generational shift. The industry needs to get ready to service a completely different type of customers going forward and that will drive a lot of exchanges we’ll see in the next couple years.”

“I think a key one is to be able to navigate the future role of AI regulation. That will be very interesting to see what opportunities are there and what opportunities would be possible to use. More importantly, I think it is taking data from something, using data from something that is good to have, to really put it in the forefront of the operation to start planning your business process from a data perspective. This is the data that we need to have in order to deliver a good product rather than having data as the outcome of the whole process. You have set up and try to do something from that perspective. So, we need to turn the table on that.”

What other pain points your customers are experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?

“They particularly need help with the UX and how to deliver the product. I think the underlying product itself doesn’t change so much, but it’s a lot about the delivery, making sure that it actually does get delivered at the point in time that we like to call events driven. So, for us it is distributing insurance when you have a life event, if that is having a child, buying a car, buying a house or whatever it might be, data can help us to drive that. So, for us it’s very much around the delivery rather than the product underneath.”

Tell us about a recent success story…

“We’re very proud that we now have several new motor programmes in place where we have been working with large motor organisations that have realized that they’re not only selling a car, they’re selling a means of transportation and convenience, which also then includes insurance across that whole journey. We recently announced partnerships with both Volvo and BMW. And we have more in the pipeline. So, I think that has been a great success where large established industries have realised they need to go further in order to have that UX design.”

What’s next for Qover? What future launches and initiatives are you particularly excited about?

“In 2025, our focus is on expanding into more new verticals. We are involved in driving that engagement to see where we can expand. We started traditionally with a lot of the travel organisation and bike providers. We’re now working with neobanks[2] , traditional banks and the motor industry. I also see more opportunities in areas like utilities, in SME supporting functions, everything from accountancy to data provision and being a software provider. These expansions will be the goal over the next 24 months.”

Why do you think the evolution of collaboration between industries and InsurTechs is set to continue? What are you excited about?

Partnerships is one of the key things changing the insurance industry. We still have some very large players around. They’re fulfilling their function, and they do it very well. But in order for them to adapt into the new situation, partnerships are important. You always need to be able to work at scale, which is important for them. Of course, with a partnership you lose a little bit of control compared to acquiring something or developing it yourself. But on the other hand you win on the speed to market and potentially also on the cost side. So, for me, the winners will be the ones that can handle partnerships in the right way. And at the end of the day, a partnership is a relationship. You can have as many contracts as you want, but it comes down to people.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Qover?

“We get a lot of good feedback and the great thing with events like this is that you have the chance to do networking both informal and formal. You’re having a formal agenda but also have a chance to rotate around. I always make sure to join the sessions and round tables. It has been interesting to speak to peers across the industry. It’s a good way of getting away from the desk and finding some new inspiration.”

Learn more at qover.com

About Qover

Embedded insurance orchestrators… We’re creating a global safety net with insurance,

empowering people to live life to the fullest.

Qover was founded in 2016 by Quentin Colmant and Jean-Charles Velge. From the very beginning, our co-founders had a clear vision of the future of insurance: a simple, transparent and accessible service across borders.

Through embedded insurance, we can create a global safety net that protects everyone, everywhere. To that end, our embedded insurance orchestration platform enables any company to harness the power of technology to embed insurance as a native component of or add-on to their core product or service.

In doing so, embedded insurance becomes a powerful tool for businesses to enrich their value proposition, enable their success and care for their community.

  • Events
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Author

Dan Brightmore

Published

5 August 2025

Estimated Read time

6Mins

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FinTech Strategy meets Vikki Allgood, Director of Technology Strategy at Fidelity, to discuss the fundamental importance of culture in driving a successful business transformation

Financial Transformation Summit 2025 EXCLUSIVE

At Financial Transformation Summit, Vikki Allgood, Director of Technology Strategy at Fidelity International, gave a keynote speech entitled ‘Psychological Safety – The Hidden Key to Transforming Your Business’. Following her appearance, we spoke to Vikki to learn more…

Hi Vikki, tell us about your role at Fidelity?

“I am Director of Technology Strategy for Fidelity. We’re looking at how we can ensure we can adapt our response to our business’ needs through our technology to meet whatever demand is coming over the horizons tomorrow. And in the years to come.”

You spoke at this Summit about psychological safety driving business transformation. Tell us more…

“At Fidelity, our strategy for our technology has culture as our foundational pillar. Talking with our leaders over the last 18 months, we looked to understand how we can create a brilliant culture, recognising that psychological safety is a fundamental element in that.

“Transformations often stumble because the business plan forgets its most volatile, and most valuable component, the people asked to deliver it. Without psychological safety, even well‑funded and organised programmes stall. Teams focus more on protecting themselves instead of challenging ideas. That’s when the risks remain hidden until it’s costly, and the collective new ideas to solve the biggest challenges are never formed. That’s why we ask leaders to invest time and energy in building a culture where it’s safe to question, experiment, challenge the status quo and admit what’s not working. In that environment the behaviours every transformation depends on (curiosity, creativity, problem‑solving, healthy challenge) all naturally emerge.

Psychological safety isn’t some new trendy HR slogan, it’s a timeless basic human need wired into our biology through millennia of evolution. When people sense social threat, the amygdala floods the body with cortisol and the prefrontal cortex (the part of our brain we rely on for reasoning, innovation, etc.) literally dims. Remove the threat, and the brain’s chemistry flips, dopamine and oxytocin rise, and teams move from cautious compliance to bold collaboration. Leaders must ask themselves if their teams can lean in and challenge effectively or if they are staying quiet to protect themselves. The hidden key is simple, but non‑negotiable, leaders must consciously, relentlessly and courageously build psychological safety through everything they do and say. If they do that, then your technology and transformation plans will have the human engine they need to succeed.”

Why is this an exciting time for Fidelity?

“I think that within the industry, all the opportunities that are coming along, and our ability to adapt to our customers’ needs, is what makes it exciting. We are all on an exponential curve of change. Technical possibilities, customer expectations, regulatory demand, industry landscapes, are all going to keep moving, with new challenges and opportunities presenting themselves. We are ensuring that we can meet those needs of our customers both today and tomorrow. Finding new ways to do that is pretty exciting.”

“So, from a technology perspective, I would say that we are making sure that all our foundational elements are there so that we can respond and adapt. One of Fidelity’s differentiators is that we have historic long running relationships with our customers. We are reintegrating our data strategy to allow us to better leverage this, in addition to market data, allowing us to provide personalised solutions to our customers.

“AI is absolutely generating a buzz for us right now as well, and not just Generative AI. We’re seeing a push towards Agentic AI and how we can look to provide faster, quicker, more cost-effective services for our business partners who can then provide better outcomes for our customers. This in combination with our long-standing history gives us a unique opportunity.”

What pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?

“We need to understand the new generations entering the wealth space and what their expectations are and how they engage with us. We’re looking to ensure we can keep pace with their demands. For example, we’ve just launched Pay by Bank allowing our customers to pay money into their accounts in a faster more secure way. This feature leverages the Open Banking Technology that is now available to financial institutions.”

Tell us about a recent success story for Fidelity…

“Across the technology landscape, we have been amplifying our existing cloud strategy by removing complexity in our hybrid setup, reducing the number of dependencies back to on-premises. This is a well-known challenge for financial institutions who have regulatory reasons to have highly confidential systems in house. This will allow us to respond at pace to what customers need. Looking a couple of years down the line nobody can be sure what the next big opportunities are going to be, so ensuring we’re building that foundation to respond to what comes over the horizon is fundamental.”

What’s next for Fidelity? What future launches and initiatives are you particularly excited about?

“Security is incredibly important to us. With that in mind, we are exploring Quantum to understand both the opportunities and risks that it could present in the future and how we can stay at the forefront of it. Ensuring a secure and reliable service for our customers is an absolute non-negotiable part of our strategy.”

Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?

“I think the reality is that we need the collective mindsets to come together to create the best outcomes. We’re never going to have all the answers all by ourselves. So, starting to engage and work with people and collaborate means that we get to have a better, wider perspective. Coming to events like this, we get to learn, understand what other industries are doing, what other areas are looking at, and it helps to widen our perspectives and have more opportunities to find those out of the box ideas that are going to then help our customers.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Fidelity?

“I was particularly keen to attend this conference because I think transformation and how we can do this successfully is so important at the moment. The reality is, sadly, and I covered this in my talk, a staggeringly large number of transformations miss the mark or fall short. And so, learning and embracing how you can ensure that you go after it and you get the value that you’re aiming for, that is for me what’s important. As I said, getting that learning, talking to each other, understanding what’s worked, what hasn’t worked and sharing tips and techniques is actually incredibly powerful and something you can then take back and use at your organisation.”

Learn more at fidelity.co.uk

About Fidelity

It has been more than 50 years since we were founded. We’ve seen many market cycles – bull and bear, boom and bust. We have stayed the course through different investment environments regardless of market performance.

The needs of our customers have always steered our decisions, which is why we’ve stuck to our core activity of investing. We believe this is what allows us to excel – and, even more importantly, to repay the trust placed in us by our customers.

Whether you’re investing for the first time, or have a wealth of experience, it’s essential to be informed and to be comfortable with your decisions. Through Trustpilot, you can read up-to-the-minute, real-world reviews and see for yourself how Fidelity aims to put the customer first and make investing a bit easier.

Our do-it-yourself online services give you 24/7 access to our investment guidance, handy tools, and range of accounts from your computer, tablet or phone. Transfer your existing investments to us, or open a new account online and begin investing in just a few steps.

  • Artificial Intelligence in FinTech
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Author

Dan Brightmore

Published

1 August 2025

Estimated Read time

5Mins

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FinTech Strategy meets Ishtiaq M Ahmed, Senior Product Manager – Emerging Tech, Innovation & Ventures at HSBC, to learn more about the future of payments – real-time, cross-border and beyond

Financial Transformation Summit 2025 EXCLUSIVE

At the Financial Transformation Summit 2025, Ishtiaq M Ahmed, HSBC’s Senior Product Manager, for Emerging Technology, Innovation & Ventures, joined a panel with J.P. Morgan, Revolut, Lloyds and EY to explore how real-time payments, embedded finance and global collaboration are shaping the future of financial services. How are real-time payments reshaping banking infrastructure? What are the regulatory challenges for cross-border payments? How can banks compete with FinTechs in the rapidly evolving payments space? How are digital wallets and mobile payment platforms changing consumer spending behaviours?

We spoke with Ishtiaq after the session to explore what drives HSBC’s approach to innovation, how customer expectations are evolving, and why trust remains at the core of transformation.

Hi Ishtiaq, tell us about your role at HSBC?

“I work on Global Product within HSBC’s Emerging Technology, Innovation & Ventures team. Our focus is to deliver next-generation propositions, particularly across payments, embedded finance and frontier technologies. We work on horizon 2 and 3 initiatives, with a view to turning emerging ideas into viable, scalable solutions. The goal isn’t just to experiment. It’s to test, validate and shape innovations that will help us serve customers better and redefine how financial services operate in the years ahead.”

It’s a transformational time for payments with the rise of open banking and a national vision for the UK. Give us your overview…

“Payments is possibly the most loved area by both FinTechs and banks. A lot of what is happening in payments, it’s where a lot of meaningful innovation is already landing. It’s no longer theory or ideation, its practical and accelerating. The UK’s National Payments Vision is ambitious, and rightly so. But ambition needs alignment. We need stronger collaboration between Banks, FinTechs, Regulators and infrastructure service providers. This journey will take time and coordination. It’s more a marathon than a sprint, and we’re only just getting started.”

Why is this an exciting time for HSBC?

“Simply because the way technology has penetrated our lives and the influence of technology on how banking is evolving are very closely knitted. Technology is no longer on the edges of banking; it’s embedded in every customer interaction.”

“The shift towards alternative payment methods is one I feel strongly about. For decades, the path was linear: cash to cheque to card. Now, we’re entering a new chapter. Pay by Bank, or direct account-to-account payment, is gaining traction. Some regions have already scaled it. In the UK, it’s about to accelerate. This trend will unlock lower costs, faster movement of money and better control for users. It’s not just about technology. It’s about user experience and future-ready infrastructure.”

What other pain points are your customers experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?

“I think for customers it’s very simple. As a customer myself, I look for speed, ease, and simplicity in everything that I do. That’s universal. But what makes it complex today is the influence of AI, automation and data. People want innovation, but not at the expense of trust. So, while we innovate, we keep trust as the anchor. The real test is whether customers can do more, faster and easier, while still feeling their money is protected and their experience is safe. That’s the balance we aim to strike.”

Tell us about a recent success story…

“We’re particularly proud of the work we’re doing on embedded payments. The goal is to make payments feel invisible – integrated into the environment the customer is already in. Whether that’s a retail website, a social app or a business platform, customers shouldn’t have to toggle across apps to complete a payment. We have already launched products in this space, and we’re continuing to build. It’s about making banking ambient – present where the customer is, not where the bank wants them to be.”

Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?

“FinTechs bring urgency and imagination. Banks bring trust, infrastructure and scale. The opportunity is not in competing, but in co-creating. We have seen some encouraging partnerships, and we’re still working at the surface level. There’s a much deeper layer of value if we can move beyond tactical deals into genuine joint innovation.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for HSBC?

“Events like this are important because they bring together different voices with a shared interest in shaping the future. What stood out to me is how open the audience and panellists are to challenging ideas and exploring new perspectives. These are places where real conversations happen; where you meet regulators, banks, FinTechs and enablers all under one roof. It’s these intersections that move the industry forward.”

Learn more at ventures.hsbc.com

About HSBC Emerging Technology, Innovation & Ventures

HSBC Emerging Technology, Innovation & Ventures team is a global group of technologists, data scientists and venture specialist dedicated to shaping the banks future capabilities. Our goal is to deliver world class digital-first banking across HSBC’s global footprint.

Our mission is to drive meaningful innovation across the organisation by identifying and unlocking opportunities that enhance customer experience, improve operational efficiency and embrace disruptive technologies.

Our approach is rooted in experimentation, rapid prototyping, continuous iteration. By working closely with both internal and internal partners and external collaborators, we test and refine new ideas, prioritising solution that are scalable, impactful and aligned with the needs of our customers.

We actively partner with leading technology firms, FintTechs, academic institutions and policy makers to stay at the forefront of digital innovation and accelerate time to market.

By combining the scale, trust and resilience of HSBC with agility and mindset of a tech start-up, we aim to nurture transformative ideas, drive strategic innovation and shape the future of banking.

  • Digital Payments
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Author

Dan Brightmore

Published

31 July 2025

Estimated Read time

7Mins

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FinTech Strategy speaks with Matt Bazley, Account Executive at Hyland, to explore how the content intelligence and process automation specialists are helping to drive operational efficiencies for their financial services clients

Financial Transformation Summit 2025 EXCLUSIVE

Hyland empowers organisations with unified content, process and applications intelligence solutions, unlocking the profound insights that fuel innovation. The Hyland team was at Financial Transformation Summit to reveal the ways organisations can transform their processes with the Hyland Content Innovation Cloud™. By combining AI-powered automation with built-in integrations to productivity tools and business applications, Hyland streamlines workflows across multiple channels, accelerating response times, boosting productivity and improving customer satisfaction.

At the event, Neil Rayment, Sales Solution Engineer, demonstrated the intuitive end-user experience and showed how easy it is to configure, tailor and deploy solutions that can empower key stakeholders across any business. We spoke to Hyland’s Matt Bazley, Account Executive for Financial Services, to find out more…

Hi Matt, tell us about your role at Hyland?

“I’m the Account Executive responsible for banking across the UK and Ireland. I’ve been with the company for just over 18 months. Across my career, I’ve been helping financial services institutions for over 15 years with digital transformations and various programmes.”

What are the key digital transformation solutions Hyland offers Financial Services organisations? How are they making a difference? What are some of the use cases you’re exploring?

“Hyland is at the cutting edge of the content space. We have what we call our Content Innovation Cloud, which is delivering content intelligence, process intelligence and application intelligence. What that means in reality is that we’re helping organisations get access to their content that they don’t currently have access to because it’s spread over many siloed systems and sat in an unstructured format. So, with our content and intelligence, we’re able to get access to that unstructured data, which is around about 80% of an organisation’s data in the financial services sector. And we’re able to then provide knowledge and insight on that content, which helps organisations to make better strategic decisions. Allied to that, with this process intelligence, we’re able to help automate processes across the business. Whether it be orchestrating use cases and workflows or integrating with other systems to deliver application intelligence, we’re able to manage that whole end-to-end life cycle of information across an organisation.”

Why is this an exciting time for the business?

“We’re excited because our strategy is really leading the way. We’re leveraging large language models (LLMs) and AI to be able to deliver these real-life use cases that solve actual challenges. A lot of the time AI projects fail because businesses are trying to implement AI that isn’t actually a solution solving a problem. Whereas the AI we’re using is to actually solve a real-life challenge that businesses face because they want to be hyper-personalised for customers and more customer-centric. And you can’t really do that if you’re only leveraging 20% of the data you hold about your customers. And that’s why getting access and insight around this unstructured data is really vital for financial services organisations right now. We are able to help them leverage that unstructured data and meet them where their data is at. So, it’s not a case of having to migrate all of that data into different platforms or into our platform. We confederate across your information wherever it’s held as a financial services organisation; and that’s really a game-changing position for us and for the industry.”

“AI is the big one. Although it is a bit of a buzzword that everyone’s mentioning nowadays, we’re actually delivering AI solutions to solve problems that businesses face. And that’s one of the real trends in the industries. Most AI projects fail, and companies want AI projects that succeed and deliver real value. The other thing we’re seeing is the rise of hyper-personalisation as part of being really customer-focused and customer-centric. Again, by helping businesses leverage that 80% of information around their customers that they don’t currently have access to, and provide insights on that information, we’re helping those organisations to become really specific and personalised in their dealings with their customers.

“The final piece is around data and governance. So, security around our data as customers, because we’re all consumers at heart and want to know that our information is secure. Using best-in-class processes around security and governance is what we’re really focused on. And that’s a real trend in the market as well. We’re making sure that while we’re leveraging that information about customers, we’re keeping it safe and only using it for what it’s intended for and making sure the processes and governance around that information are really robust.”

What other pain points are clients in the FS space experiencing that you need to address? What are they asking you for help with? How are you meeting the challenge?

“The one big one is the siloed information across multiple systems as part of digital transformation strategies. Over the years, I’ve seen many businesses implement point solutions. They might be best-in-class point solutions… But that means you end up with information and data and processes across 10, 15 or 20 systems. How do you then unify that data and leverage it to make the user journeys more effective? And also the customer journeys better, whatever channel those customers are using?

“What we see is that while trying to be omnichannel for their customers, organisations end up with multiple solutions. One for their mobile app, a solution for their website, a solution for in-branch banking… So, you end up with omnichannel processes that are actually siloed processes. What we are trying to help businesses do is to unify those processes. We can break down those silos and make it a really seamless, integrated journey internally and externally for colleagues and customers.”

Tell us about a recent success story …

“A great example is our work with ABN AMRO – a bank that is one of our longstanding and valued customers. They were looking for a solution because of this very challenge. The bank had multiple siloed systems holding a lot of information and a very complex architecture. They went to market and Hyland was able to prove our solution was able to manage the sheer volume and complexity of the information and content that they had. And most importantly we were able to help them integrate with their line-of-business systems very easily to create that seamless internal/external journey for both users and customers.”

What’s next for Hyland? What future launches and initiatives are you particularly excited about?

“It’s all about continuing to grow for us. With the Content Innovation Cloud, the reception we’ve received from the market, from our customers, has been absolutely tremendous. Businesses are so excited to see the ability and capability of what we’re able to do. And what we’re able to deliver for them in terms of real value through the Content Innovation Cloud. We’ve got customers onboarded already. It’s now about expanding that list of customers who are going to see real value from leveraging the cloud, our AI solutions and driving efficiencies with our content process and application intelligence across their businesses.”

Why do you think the evolution of collaboration between banks and FinTechs is set to continue? What are you excited about?

“Across the market over the last 15-20 years the banks are starting to see FinTechs more as allies than competitors. And they’re leveraging these technologies rather than trying to challenge them. I think that’s going to continue because FinTechs are far more agile. And as customer expectations continue to evolve and become more demanding, banks need to evolve and deal with these demands more effectively and more fluidly. And that’s why leveraging FinTechs is going to be a key differentiator over the next 10 years. That trend is going to continue where banks and FinTechs work together and collaborate rather than challenge each other.”

Why Financial Transformation Summit? What is it about this particular event that makes it the perfect place to embrace innovation? What’s the response been like for Hyland?

“It’s my fourth year coming here with a couple of different companies and I always find this event really valuable. Not only to obviously promote our products and our brand… But to speak to key decision-makers and peers across financial services. We aim to learn from them about whether the challenges we perceive as a vendor are seen by them as a customer. We will continue to learn and evolve our business around key market challenges. Hyland can then focus our solutions around the real-world problems our peers are seeing across financial services. Coming to this event is a great way to meet as many people as possible. And just really enjoy having those meaningful conversations with leaders in the financial services sector.”

Learn more at hyland.com

About Hyland

Hyland puts your content to work, making it smarter and more accessible in the moment of need.

Hyland’s content, process and application intelligence solutions empower customers to deliver exceptional experiences to those they serve. The solutions capture, process and manage high volumes of diverse content, helping you improve, accelerate and automate operational decisions and workflows.

3 Core enterprise content management solutions

20+ Distinct product offerings

1,000s of ways to transform the way you work

  • Artificial Intelligence in FinTech
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Author

Dan Brightmore

Published

19 May 2025

Estimated Read time

2Mins

Join 2,500+ attendees at Excel, London June 18-19 for the Financial Transformation Summit

Financial Transformation Summit is the industry’s most influential event, connecting banking, insurance, wealth and lending professionals with the companies transforming the industry. Book your place here.

Financial Transformation Summit

Join over 2,500 attendees to gain insights from 300 inspiring expert speakers from the likes of Lloyds Banking Group, Deutsche Bank, Santander, Aviva, Monzo, Accenture and more. Connect with an unparalleled programme of interactive sessions and share perspectives on the topics defining the future of financial services.

At the heart of the summit are 400 roundtables, ensuring every attendee has a voice in shaping the industry’s future. This is the Financial Services industry’s biggest roundtable event, designed to facilitate real conversations, meaningful connections and actionable insights.

Engage with industry peers in dynamic discussions that spark innovation and drive change. Dive deep into critical topics, share insights, and debate strategies that shape the future of banking, insurance, wealth management and lending.

One Ticket, Four Summits

MoneyNext Summit brings together the brightest minds in financial services to explore the future of banking, wealth management, lending, and insurance.

Benefit from the combined power and synergies of four transformative events… The Financial Transformation Summit comprises four summits across Banking, Insurance, Wealth and Lending.

Explore the topics transforming financial services across an interactive agenda with 14 key themes. Gain practical knowledge: Benefit from interactive demos, case studies, and best practices. Expand your horizons: Experience an inspiring and thought-provoking learning journey.

Book your ticket here.

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