Heinrich HaasisPresident, World Savings and Retail Banking Institute (WSBI)
9.15 -10.15  OPENING SESSION: Digital Transformation, Policy and the Economy: What is Global, What is Local?
Why should policy makers promote the digital economy and how should the various aspects of digitization be addressed? To mention a few topics : the digital divide, competition on an equal level between newcomers and incumbents, privacy and data protection… What is the view of global policy-makers ? And what do high-level representatives of WSBI’s membership think ?
FACILITATOR: Chris De Noose, Managing Director, World Savings and Retail Banking Institute (WSBI)
WELCOME MESSAGE: Martin Schulz, President, European Parliament - (via video)

KEYNOTE SPEECH: Günther H. Oettinger, Commissioner for Digital Economy and Society, European Commission


  • Rajat Bhargava, Joint Secretary (Budget), Ministry of Finance, Government of India  
  • Camden Fine, President and Chief Executive Officer, Independent Community Bankers of America (ICBA), United States  
​10.15 – 10.45 - Coffee Break
10.45-11.00 - KEYNOTE SPEECH Amias Gerety, Acting Assistant Secretary for Financial Institutions – U.S. Department of the Treasury
11.00-12.15 Plenary Session 1: Digital Transformation, Policy and the Economy: What is Global, What is Local?

MODERATOR: Kathleen Oldenburg, Director for Payments Systems Policy, Office of the Comptroller of the Currency, U.S. Department of the Treasury

  • Rudy V. Araujo Medinacelli, Secretary General, Association of Supervisors of Banks of the Americas (ASBA)
  • Jordi Gual, Chief Economist and Chief Strategy Officer CaixaBank, Spain
  • Nuria Simo, General Manager & Chief Information Officer, Inter-American Development Bank (IDB), Latin America
  • David Lipton, First Deputy Managing Director, International Monetary Fund
12.15 – 12.45 SETTING THE SCENE of Digital Transformation and Digital Banking 
  • Chris Skinner, Founder, the Finanser and Chair, Financial Services Club, United Kingdom
12.45 -13.45 LUNCH 
13.45 – 14.45 Plenary Session 2: Using “digital proximity” to rediscover the local, personal client relationship
WSBI and ESBG members are proud of their proximity to their customers. Integrating digital experience in the overall customer experience will increase this proximity and empower clients at a time where transaction capacity and liquidity management seem more important as profit centres than customer service. And technology that gathers localized data can strengthen local decision making that is far more effective than a headquarter-driven strategy. A perfect fit thus for local banks ?
MODERATOR: Chris Skinner, Founder, the Finanser and Chair, Financial Services Club, United Kingdom
  • Georg Fahrenschon, President, Der Deutsche Sparkassen-und Giroverband DSGV, Germany 
  • Antonio Massanell, Deputy Chairman, Caixabank, Spain 
  • Dick Okhuijsen, Member of the Board, SNS Reaal, The Netherlands 
  • Shaheen Adam, Acting Managing Director, Postbank, South Africa
14.45-15.00   KEYNOTE SPEECH: Arundhati Bhattacharya, Chairman, State Bank of India

15.00-15.15   KEYNOTE SPEECH: United States Senator Elizabeth A. Warren, (D-Massachusetts)

15.15-15.45 Coffee Break
15.45-17      Plenary Session 3: Leveraging Data on the Move - Balancing Insight and Privacy
Information on spending patterns, savings habits, investment profile, risk appetite, creditworthiness are a real goldmine for banks that are pressured by their clients to give them the same personalized advice they get from other retailers. What can banks do, what are some banks already doing and which service providers can provide the state-of-the art software that can transform data warehouses into data goldmines ? How can they use the growing interaction with the customer to create crowdsourced feedback? And what about privacy concerns and data protection?
MODERATOR: David Cramer, Head of U.S. Financial Institutional Sales, Visa, Inc., United States
  • Paul Breloff, Managing Director, Accion Venture Labs, United States
  • Agustín Márquez Dorsch, General Manager, Euro 6000, Spain 
  • Jean Naslin, Head of European and International Public Affairs, Groupe BPCE, France 


08.00-09.00 Break-out Session 1: Mobilising Talent: Recruiting Employees, Customers and Artificial Intelligence
In the digital world that is being shaped at the moment of writing this sentence, an agile workforce is a key force to remain competitive. Banks need to recruit the best employees but can also benefit from the input of their customers. Artificial intelligence, in the form of algorithms that analyse customer data, for example, is also an essential source of knowledge. What will be the influence of this evolution on the workforce? Will tomorrows bank employee a computer scientist ?

MODERATOR: Cary Whaley, Vice President, Payments and Technology Policy, The Independent Community Bankers of America (ICBA), United States
  • Werner Assmann, Chairman, Federal Working Group Sparkassen, Germany 
  • Annet Mulindwa, Managing Director, Finance Trust Bank, Uganda 
  • Chantal Vander Vorst, Chief Executive Officer, Echos Communication, Belgium
​08.00 - 09.00 Break-out Session 2: the Digital Trinity: Certainty of Identity, Secure Transactions, Safe Storage

Customer trust is the biggest asset of our WSBI member banks. In the digital world, all parties involved in a financial transaction need to be sure of each others’ identity, need to be able to do secure transactions and need to be able to store all data in a safe way. Banks have an essential role to play in this respect.
MODERATOR: Joan Rosàs, Head of Financial Institutions, CaixaBank, Spain
  • Franz-Theo Brockhoff, Chief Executive Officer, Finanz Informatik, Germany
  • Santiago Carbó, External Independent Member of the Board of Cecabank, Spain 
  • Redouane Najm-Eddine, President of the Board of Directors, Al Barid Bank, Morocco

09.00-09.15 KEYNOTE SPEECH Luis De Guindos, Minister of Economy and Competitiveness of Spain and Member of the Eurogroup

09.15-09.30 KEYNOTE SPEECH, PROPORTIONATE REGULATION: French Hill, U.S. Representative for Arkansas, US Congress

09.30-10.45  Plenary Session 4: Delivering the “Always on”-bank; financial service when our clients need it

Bank employees work at the same time as their customers, but only very rarely the both meet: our clients take care of their financial matters in the evening and during the weekend. Digital transformation is about integrating physical and digital channels. How do we transform our banks to be available 24/7 just like Amazon and Apple, considered by many bankers as their most important competitors?
MODERATOR: Sabasaba Moshingi, Chief Executive Officer, Tanzania Postal Bank, Tanzania
INTRODUCTION: Paul Leadbetter, Group Vice President and Chief Technology Officer, Oracle, United States
  • Jean Arondel, Chairman, Fédération Nationale des Caisses d’Epargne (FNCE), France
  • Joseph Kimbowa, General Manager, Centenary Bank, Uganda
  • Maryono, President Director, Bank Tabungan Negara (BTN), Indonesia
  • Esperanza Pérez Mora, Acting President, Banco Caja Social, Colombia
  • Paul Leadbetter, Group Vice President and Chief Technology Officer, Oracle, United States

10.45-11.15 Coffee Break

11.15-11.30 Keynote Speech by Isidro Fainé, President, European Savings and Retail Banking Group (ESBG), Brussels, Chairman, CaixaBank
and President, Confederación Española de Cajas de Ahorros (CECA), Spain
11.30 - 12.45 Plenary Session 5: Digitization and Financial Inclusion: the 5th Element 
Digital transformation, intelligent use of data and implementation of technology to bring costs down can boost financial inclusion in a tremendous way. What is already being done and what should we do more to include as many people as possible in the formal banking sector?
MODERATOR: Ruth Goodwin-Groen, Managing Director, Better Than Cash Alliance (BTCA)
  • Harsh Kumar Bhanwala, Chairman, National Bank for Agriculture and Rural Development (Nabard), India
  • Rens van den Broek, Financial Inclusion Manager, Child & Youth Finance International (CYFI)
  • Alejandra del Moral Vela, Managing Director, Bansefi, Mexico
  • Tomas Miller, Chief of the Access to Finance Unit, Multilateral Investment Fund (MIF), Mexico
  • Peer Stein, Director, Finance and Markets Global Practice, World Bank
12.45-13.15 Round-up and conclusions from the congress by Managing Director
                        Closing speech and farewell from WSBI President
13.15-14.30  FAREWELL LUNCH