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2023 Event Summary
Re-watch sessions, view the photo album, and see speakers, agenda and attendee insights from the previous event.

2023 Speakers

2023 Conference Agenda

SESSION 1 - Re-Watch on YouTube 

In this 10th annual Fintech Summit, we will reflect on a decade of industry change. We will begin by looking at what we can learn from past trends, examining how the financial service ecosystem has shifted through competition, regulation, and technological disruption. We will then explore how some of the longest running FS institutions have adapted to these changes; transforming, digitalising, and navigating new partnerships and collaboration.

09:15     Welcome from the Conference Chair

Mark Stephen, Journalist & Broadcaster, BBC Scotland 

09:20     Introduction to the 2023 Scotland Fintech Festival

Nicola Anderson, CEO, FinTech Scotland


09:25    Learning from the Past to Prepare for the Future

Devie Mohan, Fintech Researcher & CEO, Burnmark

09:40    Where is the Money?

Fiona Henderson, Partner, CMS

9:55     How to Transform a 250-Year-Old Bank into the UK’s Biggest Fintech in 5 (Not so) Easy Steps…

Peter Crouch, CIO: Business & Commercial Banking, Lloyds Banking Group

10:10    Driving Collaboration & Partnerships for Opportunity & Impact

Andy Elphick, Head of Innovation, Barclays

10:25    Combined Q&A

10:55    Networking & Refreshments

SESSION 2 - Re-Watch on YouTube 


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 (A-D)

Breakout options include:

A. Lightning Talks – Key Trends & Customer Impact

  • Generational Wealth Transfer and Customer Duty - Nick Cousins, CEO, Exizent

  • Open Banking in Action: Supporting Savers - Kate McKay, General Counsel, Nude

  • The Role of Conversational AI in Customer Support - Rachel Curtis, CEO, Inicio AI

  • AI Powered Impact Investing - Sonia Schulenburg, CEO, Level-E Capital

  • Nicola Anderson, CEO, Fintech Scotland (Chair)

B. Empowering Fintech Innovation: Unleashing Generative AI with Responsible Integration & FMOps

  • Tapping into the power of Generative AI and LLMs is essential for innovative applications

  • Exploring key concepts and best practices to ensure secure and efficient implementation of AI

  • Real-world examples to showcase the seamless integration of Generative AI into applications

  • The importance of AWS Well-Architected Framework's ML Lens for responsible & scalable deployment

  • The distinctions and convergence points between DevOps, MLOps, and the emerging LLMOps


Muhil Vannan, Chief Product Architect - AI/ML Platform, JPMorgan Chase & Co

C. A Regulator’s View of Themes and Trends in Innovation and Fintech

  • What’s on our minds as we look ahead

  • How do technological developments sit alongside regulatory outcomes? 

  • How will the consumer duty form what you do? 

  • What next in the development of regulation for cryptoassets and the role of international regulation? 

  • Remember if it’s in the regulator’s future it’s probably in yours too


Glenn Redemann, Cryptoasset & RegChange: Authorisations Manager, FCA

D. Digital Transformation in Banking: Exploring No-Code Solutions


Joshua Hughman, Sales Director, UKI, Creatio 

12:05     Transition

12:15     Second Breakout Option (E-H)

E. Panel Session: AI as a Tool to Build Trust

  • The opportunities AI brings to fintech businesses

  • How to navigate some of the associated risks

  • How to win consumer confidence in this trust economy


Callum Sinclair, Head of Technology & Commercial, Burness Paull - Chair

Steph Wright, Head of Scottish AI Alliance

Jan Buchan, Head of Business Services Legal, abrdn

Trish Quinn, Strategic Innovation Director, Fintech Scotland


F. Top 5 security concerns in Financial Services

Uncover the key challenges Financial Services face when managing their global web estate, including why 50% of organisations have had a data breach in the past 3 years. ​Challenges covered:

  • Infrastructure and Integration with other systems

  • Security and Regulation challenges

  • Releasing regulated content


Gary Roberts, CRO, Forrit

G. Panel Session - Helping vulnerable populations: Leveraging real-world and synthetic data for societal welfare and regulatory innovation 

  • Matt Lowe, Manager of Digital & Data Services Team, FCA

  • Wullie Grubb, Strategic Analytics and Data Science Leader, Virgin Money

  • Bryn Coulthard, Chief Product & Technology Officer, Smart Data Foundry

  • Richard Seabrook, Head of Marketing and Communications, Smart Data Foundry

H. Discovery, Reusability and Impact of API Ecosystems for open finance and beyond

  • Embedded/open finance –what impact on your business and is there value in building for it or consuming it?

  • Learn about API sprawl and the standardization process to consolidate technical debt.

  • How to enable agility by re-using API assets and productization, to launch services quicker and provide business value sooner

David Luke, Director of Pre-Sales, Axway and Anthony Badger, Account Executive, Axway

12:45     Lunch & Networking

SESSION 3 - Re-Watch on YouTube 


Building on the themes from the morning session, the afternoon will focus on some of the key defining trends that are currently shaping the direction of the industry. Specific areas of focus will include Embedded Finance, BaaS, Digital Assets and the rise of Generational AI and GPT.

13:35    Why Embedded Finance & BaaS is an Opportunity for Banks to Transform for the Better

Deeptasree Mitra, MD, Contextual Banking, BaaS & Embedded Finance, Deutsche Bank

13:50    Global Digital Assets: The Good, The Bad, and the Ugly

Teana Baker-Taylor, VP: Policy & Regulatory Strategy, Circle

14:05    BondGPT: 0 to GPT in 30 Days

Michael Speed, VP Development, Broadridge

14:20    The Rise of AI-Assisted Investment

Dann Bibas, GM International, Public

14:35    Combined Q&A Panel

15:10    Closing Remarks

15:15    End of Session


15:15    Networking Drinks Reception

16:00    Close of Conference

*The conference agenda is provisional and subject to change

2023 Headline Sponsor

CMS Logo.png

2023 Co-Sponsors

Forrit Logo.png
Burness Paull logo.png
Smart Data Foundry Logo.png
Axway Logo.png
Creatio Logo.png

2023 Exhibitors

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Inov8 Consulting.png
Wavenet Logo.png
Objectivity Logo.png
Fireblocks Logo.png
Scottish Enterprise.jpg
zuhlke Logo.png
ELIQ Logo.png

2023 Drinks Reception

Registration and Lanyard

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In partnership with

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