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2024 Event Summary
Re-watch sessions, view the photo album, and see speakers, agenda and attendee insights from the previous event.

2022 Speakers

2022 Conference Agenda



The opening session will explore how the maturation of Fintech is delivering positive customer outcomes and where this can help with the current cost-of-living crisis. Speakers will consider how technology is driving service improvements; building financial resilience, and helping people to save, pay and invest more effectively.

09:15     Introduction from the Conference Chair

Mark Stephen, Journalist & Broadcaster, BBC Scotland 

09:20    Opening Remarks: Welcome to the 2022 Scotland Fintech Festival

Nicola Anderson, CEO, FinTech Scotland

09:25    Customers, Technology, and Where They are Taking Us
Jason Maude, Chief Technology Advocate, Starling Bank

09:45    Tech’s Role in Building Financial Resilience in a Cost-of-Living Crisis

Caroline Murphree, Managing Director: Investment, Retirement & Savings, Moneybox

10:00    How to Understand Your Customers Before (Ethically) Taking Payments

Marika Lohmus, Head of Payments & Fraud, Cleo

10:20    Combined Q&A Panel

10:55    Refreshments and Networking


Session two will hone-in on a variety of key topics in longer individual slots. Presentations will be run across four parallel streams, providing delegates the opportunity to attend two of the options live. The alternative breakouts will be accessible on-demand post event.

11:30     First Breakout Option

Breakout options include:

A. Driving Collaboration and Revenue Generating Partnerships - Panel

  • Nicola Anderson, CEO, FinTech Scotland

  • James Varga, CEO & Founder, DirectID

  • Mark Curran, Customer Banking Director, TSB

  • Colin Payne, Corporate VP & Global Lead Fintech Advisory, NCR

  • Abbie Buchan, Senior Client Manager, Amiqus


B. Reflecting on 5 Years of Open Banking

  • Progress, success and positive impact

  • Challenges, barriers, and resistance to change

  • Open Banking on the global stage - International uptake and response

  • What next: how is open banking likely to develop over the next 3-5 years

Gavin Littlejohn, Fintech Entrepreneur 

C. Enterprise Scale MLOps at NatWest

  • Our MLOps journey over the past 18 months, where we started and where we aimed to go

  • Key challenges we have faced in building our MLOps capability across people, process, data and tech

  • The technology choices we’ve made & how we’ve created a platform that enables the full machine learning route to live

  • How we have optimised our processes to take advantage of the technologies we have now embedded

Andy McMahon, ML Engineering Lead, NatWest

12:05     Transition

12:15     Second Breakout Option

Breakout options include:

D. Having it All: Boosting CX While Driving Down Costs with Intelligent Automation

  • Financial services delivering a highly personalized service without cost-to-serve ballooning.  

  • How to leverage Intelligent Automation the smart way, reducing costs while supercharging CX.

  • Is Intelligent Automation able to boost contact centre efficiency in a meaningful way? Can you really automate the human touch?

Graeme Walker and Rachel Curtis, Content Guru

E. Trust, transparency and efficiency: Is the trust economy the zeitgeist shaping the future of fintech?

In this panel session chaired by Callum Sinclair, Head of Technology & Commercial at leading law firm Burness Paull, an expert panel from across the industry will discuss how the sector can both instil and actually deliver on trust, and just how big a part regulation can and should play in its execution.

  • Callum Sinclair, Head of Technology & Commercial, Burness Paull

  • James Varga, CEO & Founder, DirectID

  • Rebecca McKenzie, Head of Legal, Codat

  • Gareth Edwards, Director of Digital, Anderson Anderson & Brown

  • Mickael Paris, Marketing Director, FinTech Scotland

F. Digitising the Client Onboarding Process

  • What are the drivers for digitising within Financial Services?

  • How can you fully digitise the client onboarding process with the Microsoft platform?

  • What are the challenges?

  • What are the business outcomes to be gained?

Jamie Logue, Head of Financial Services, Incremental Group & Richard Gaster, Business Applications Specialist, Microsoft

G. How Modulr approaches innovation

  • Innovators don't innovate (What innovators do)

  • Why we started Modlabs (the Modulr approach)

  • Innovation is an outcome (how to measure innovation)

Ritesh Tendulkar, Chief Innovation Officer, Modulr 

12:45     Lunch & Networking


The afternoon session will look at the transformation of Financial Services in the age of Open Banking, Crypto and Web 3. Speakers will explore how platforms and services are changing as a result of technological disruption, new market entrants, and the shift to decentralised systems. We will examine where new opportunities and revenue streams are being created, and how this transformation is impacting the industry and frontline customers.

13:35    Introduction from the Conference Chair
Mark Stephen, Journalist & Broadcaster, BBC Scotland 

13:40    Positive Disruption & Customer Impact: Opportunities from Open Banking & Platformisation

Andy Willmot, CTO, OneBanx 

13:55    The Maturation of Crypto and its Impact on the Financial Services System

Sendi Young, Managing Director: Europe, Ripple

14:10    Crypto Evolution and Customer Impact

Devina Paul, CFO, Zumo

14:25    Combined Q&A Panel

15:05    Closing Remarks

15:10    End of Session

15:15    Networking Drinks Reception

16:30    Close of Conference

2022 Sponsors

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2022 Exhibitors

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