Program XV edition Banking Forum and XI edition Insurance Forum
Day I – 10 April 2018
9:00 – 9:30 Registration and morning coffee
9:30 – 9:45 The opening ceremony of the Conference
- Mariusz Grendowicz, Chairman of the Banking Forum Advisory Board
- Artur Olech, Chairman of the Insurance Forum Advisory Board/ CEO hiPRO
9:45 – 10:00 Guest of honor speech
- Dr Korbinian Ibel, Managing Director – Microprudential Supervision, European Central Bank
10:00 – 11:15 Thematic block:
Triangle of banks – insurers – fintechs. Competing yesterday, cooperating today, tomorrow…?
- GAFA (Google, Amazon, Facebook, and Apple) giving tone in financial services, making dedicated digital platforms for them, creating a better experience and higher values for the client than for the banks, insurers and fintechs. Can traditional banks and insurers provide worse solutions than fintechs?
- Traditional transfers, isolated banking systems and transaction systems on more elastic platforms; testing new methods of sharing client information; system migrations to the cloud; implementing oriented architecture for services (ensuring compatibility with various systems); connecting customer support systems and interfaces with common sources of information as well as applications – what’s next?
- Tendency to further develop payment options and their greater diversity and looking for ways to ensure resistance for the infrastructure, which has to process them
- The potential of Blockchain technology as a financial middleman – use cases, more and less obvious chances and threats
- The question of understanding needs in the area of evolution of regulatory and legal provisions, so that they can keep up with innovations
- What did Polish financial institutions do, so that they could activate Polish start-ups? A summer and activating activities for the future
Moderator:
- Mariusz Grendowicz, Chairman of the Banking Forum Advisory Board
Speakers:
- Fedele Di Maggio, CEO, DiPocket
- Dariusz Piotrowski, Managing Director, Dell EMC
- Zbigniew Pomianek, Vice President of the Management Board , Asseco Poland
- Wojciech Sass, President of the Management Board, Nationale-Nederlanden
- Wojciech Sobieraj, President of the Management Board 2008-2017, Alior Bank
- Ewa Wernerowicz, President of the Management Board, Vivus
11:15 – 12:15 Thematic block:
Hundred years of independence – so what’s next?
- An economic history lesson of the last century. The role of visionaries and a lesson of economic crises, including the most recent global crisis – what experiences from the past should we remember for the future?
- Poland’s place in Europe (inc. Euro) and the main European challenges (the source of a potential crisis and the possibility to counteract it, competitive advantages and the source of success)
- The most important challenges for Poland. Poland’s financial sector in a 10 year perspective (how to gain success and limit the risk of failure)
- Cooperation between banks and insurers with e-administration and its perspectives. The role of accelerators of business. What should digital solutions look like, so that it won’t end on ideas, but commercialize and promote changes?
Moderator:
- Małgorzata Zaleska, Director of the Institute of Banking, Warsaw School of Economics
Speakers:
- Joao Bras Jorge, President of the Management Board, Bank Millennium
- Beata Daszyńska-Muzyczka, President of the Management Board, Bank Gospodarstwa Krajowego
- Marek Dietl, President of the Management Board, Warsaw Stock Exchange
- Leszek Skiba, Under-Secretary of State, Chief Spokesman for Public Finance Discipline, Ministry of Finances
- Roman Szwed, President of the Management Board, Atende
12:15 – 13:15 Networking break
Day I – 10 April 2018
13:15 – 14:15 Thematic block:
The impact of new regulation – chaos or order?
- The phenomenon of legal inflation in Poland – possible consequences of intensification of regulatory changes towards banks while liberalizing access to the financial services market for entities not subject to prudential supervision
- New prudential regulations and tax regulations and the ability of banks in Poland to finance the country’s economic development? Where is the reasonable boundary between supporting economic patriotism and facilitation of foreign companies?
- The impact of regulatory risk on the increase of costs for all groups of bank clients
- The customer and the bank – asymmetry of information and technology
- Digitization in the model of the functioning of supervisory institutions towards banks – what are the possible solutions in this regard, to reduce both regulatory risk and regulatory costs?
- Impact of the amendment to the CIT Act on the banking and loan industry, first experiences related to PSD2, MiFID II, IDD, GDPR
- Split payment and its consequences – not only from the technological aspect, but also financing. Liquidity management by enterprises, especially micro-enterprises
- Regulatory and technology equipment that they allow (e.g. Video verification)
- Who will set the boundary, who will be the pioneer? For example, the KNF Innovation Hub
- Open-banking
Moderator:
- Krzysztof Kalicki, Deputy Chairman of the Banking Forum Advisory Board/ President of the Management Board, Deutsche Bank Polska
Speakers:
- Jens Baumgarten, Partner, Simon-Kucher & Partners
- Tadeusz Białek, Director of the Legal and Legislative Team, Association of Polish Banks
- Andrzej Gałkowski, Partner, head of the banking sector in the Financial Services department, KPMG
- Bożena Graczyk, Vice-President of the Management Board, ING Bank Śląski
- Kamin Gross, Director of the Regulatory Compliance Department, Alior Bank
- Jan Szymanowski, Managing Director, ProService Finteco
14:15 – 15:15 Thematic block:
Payments – is this the time when you can really talk about the „non-cash era”?
- The changing role of stakeholders in the ecosystem of non-cash payments
- Programs supporting the development of the Polish non-cash payment market and their impact on the digitization of Poland
- The biggest potential winners and losers of PSD2
- Consumers – the most important group influencing the development of non-cash payments. Necessary to increase the share of non-cash transactions factors
- Payment development = more threats?
Moderator:
- Robert Łaniewski, President of the Management Board, Foundation for the Development of Cashless Transactions
Speakers:
- Joanna Erdman, Director of Payment Card Development in the Department of Basic Products and Non-banking Services, mBank
- Mieczysław Groszek, CEO, The Polish Cashless Foundation
- Renata Juszkiewicz, CEO, Polish Organization of Trade and Distribution
- Paweł Masadyński, Head of Integration, ProService Finteco
- Piotr Siciak, Director, Financial Services Advisory, KPMG
- Adam Tochmański, Director of the Payment Systems Department, National Bank of Poland
15:15 – 16:15 Lunch
Day I – 10 April 2018
13:15 – 14:15 Thematic block:
Bancassurance market -will it be reborn
- How to expand the bancassurance segment?
- How to expand cooperation between banks and insurers?
- The most valuable products on the bancassurance market?
- Diversification or concentrating on a chosen area of the bancassurance market?
- Development of the bancassurance market and the impact of regulation – IDD Directive
- Bancassurance on the debt insurance market
- Who is a client for bancassurance? Perspectives in new fields
Moderator:
- Dr Ewa Wierzbicka, School of Economics in Warsaw
Speakers:
- Krzysztof Charchuła, President of the Management Board, BZ WBK-Aviva Towarzystwo Ubezpieczeń
- Dominik Dybka, Bancassurance and Affinity Department Director, Willis Towers Watson Polska
- Michał Gomowski, President of the Management Board, Benefia Ubezpieczenia
- Adam Malinowski, Member of the Management Board, Generali TU
- Piotr Ruszowski, Director of Sales and Marketing, Mondial Assistance
- Jan Zimowicz, Member of the Management Board, Aegon TUnŻ
14:15 – 15:15 Thematic block
Deregulation in the age of regulation – time to start? Impact of deregulation on competitiveness
- How can new solutions affect the distribution network, the method and process of offering insurance?
- Is a new „war on processes” waiting for us, who’s easier, simpler and faster for both agent and client?
- IDD and GDPR – will the implementation of these Regulations have an impact on specific distribution channels?
- What about agent responsibility?
- The necessity to make changes and market professionalization thanks to legislative changes
- New regulation as an impulse for the digitization of the industry and the potential for sales growth in online channels, new forms of police distribution
- What is the value of new regulations for the client?
- Global and European requirements and Polish realities
- Value subtracted due to excessive regulation
Moderator:
- Grzegorz Kuliszewski, Director of the Financial Sector, IBM Polska
Speakers:
- Michał Biedzki, Head of Insurance Unit, ProService Finteco
- Piotr Czublun, Legal Counsel / Partner, Kancelaria CZUBLUN TRĘBICKI
- Adam Fornalik, Director of actuarial and risk management teams, KPMG in Poland and in Central and Eastern Europe
- Rafał Hiszpański, President of the Management Board, D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A
- Maciej Rapkiewicz, Member of the Management Board, PZU SA i PZU Życie SA
- Anna Włodarczyk-Moczkowska, President of the Management Board, Gothaer
15:15 – 16:15 Lunch
Day II – 11 April 2018
9:00 – 9:30 Registration and morning coffee
9:30 – 10:30 Thematic block:
The problem of consolidating the Polish banking sector, presented against the current situation, and the structure of the sector in selected countries within the European Union
- Ambiguous tendencies in EU countries. There is a general consensus that the market process of consolidation should not be interfered with. The question is about the state of balance, to what point we should be aiming for. From the perspective of:
- Banks – the target and current level of return from capital (lots of room for consolidation)
- Financial stability – can it be threatened at some point?
- Consumers, clients – the price of banking services: can the time of consolidation mean the rise or fall of prices in the longer perspective – the aspect of keeping the appropriate level of customer services.
9:30 – 9:40 Presentation: From consolidation to transformation: Conclusions for the bank’s management agenda
- Benjamin Wellstein, Managing Director CEE Banking Division, Simon-Kucher & Partners
9:40 – 9:50 Presentation: Consolidation and competitiveness of the Polish banking sector in the light of market development perspective
- Włodzimierz Kiciński, Vice-President, Polish Bank Association
9:50 – 10:30 Panel Discussion:
Moderator:
- Elżbieta Mączyńska, President, Polish Economic Association
Speakers:
- Paweł Bandurski, President of the Management Board, Bank BPH
- Włodzimierz Kiciński, Vice-President, Polish Bank Association
- Paweł Masadyński, Head of Integration, ProService Finteco
- Lucyna Stańczak – Wuczyńska, Director for EU Banks in the Financial Institutions Group EBRD
10:30 – 11:15 Thematic block:
Experience in the area of preparing and using plans of forced restructure
Presentation:
- Zdzisław Sokal, President, Banking Indemnity Fund
10:50 – 11:15 Panel Discussion:
Moderator:
- Zdzisław Sokal, President, Banking Indemnity Fund
Speakers:
- Tadeusz Nosek, President of the Management Board, Bank Spółdzielczy w Wysokiem Mazowieckiem
- Krzysztof Góral, Director of the Capital Management Department, ING Bank Śląski
11:15 – 12:30 Thematic block:
Building customer relations mainly thanks to the use of potential digital channels and information – yes or no?
- How to repair customer relations thanks to using data analysis?
- Are event based marketing and e-mail and TV campaigns still effective?
- How to care about the client in the banking era, while also effectively delivering the Next Best Offer/Next Best Action?
- Digital customer experience of other branches and building a banks offer
- Are banks ready for the segmentation of online clients and SME, and the delivering of personalized offers (in real time)?
- Segmentation of individual client behavior
- How to implement innovative solutions on every step of the customer journey? More usage of potential, connected with the sales and service of products
- Implementing face and voice biometrics – how will it influence the sector?
11:15 – 11:25 Presentation: How to build bank’s offer depending on digital customers’ maturity
- Stanisław Markowski, Sales Director, CEE, Dorsum Investment Software
11:25 – 11:35 Presentation: BankMail – registered mail in e-banking. How banks can kill clients’ irksome pain and make noticeable money from co-operation with a disruptive startup?
- Michał Olszewski, Founder and CEO, BankMail
11:35 – 11:45 Presentation:
- Dariusz Piotrowski, Managing director , Dell EMC
11:45 – 12:30 Panel Discussion:
Moderator:
- Dariusz Piotrowski, Managing director , Dell EMC
Speakers:
- Piotr Czarnecki, President of the Management Board, Raiffeisen Bank Polska
- Jacek Iljin, Managing Director, mBank
- Jerzy Kalinowski, Adviser to the board, KPMG
- Piotr Marciniak, Managing Director of BGŻOptima and the Banking Division of the Bank, Bank BGŻ BNP Paribas
- Stanisław Markowski, Sales Director, CEE, Dorsum Investment Software
- Benjamin Wellstein, Managing Director CEE, Simon-Kucher & Partners
12:30 – 13:00 Networking break
13:00 – 14:15 Thematic block:
What is a greater threat for banks – technology giants or fintechs?
- Fintech success understood as the implementation of innovations playing the role of improving existing ecosystems and infrastructure, not the creation of new ones
- Establishment and dissemination of financial start-ups as an opportunity for banks to access an “innovation supermarket”, thanks to which traditional players can quickly gain new competences and retain customers
- Fintechs – the discrepancy between hungry companies of revenues, capital and scale, and becoming an outsourcer of innovation for traditional players who can take over or cooperate with them, quickly implementing selected solutions and not occupying it with deep organizational and cultural changes
- Adversity of loss leader’s price policy (offering one product below their market value and earning on cross-selling of their products)
- Profits for client interface owners, i.e. large technology players, offering virtually all financial needs within one digital platform (e-commerce, payments, loans, insurance, asset management, international transfers)
- What is the advantage of technological giants? Infrastructure, technological solutions, financial resources, no financial limitations?
13:00 – 13:10 Presentation: Sources of innovation in Amazon (mechanisms, architecture, culture and organization that support innovation in the Amazon and factors that support innovation in digital projects and examples of fintechs that have used the Amazon technology platform)
- Tomasz Stachlewski, Solutions Architect, Amazon Web Services
13:10 – 13:20 Presentation: An Opportunity rather than a threat? Smart product and pricing strategies for the digital space
- Jens Baumgarten, Partner, Simon-Kucher & Partners
13:20 – 14:15 Panel Discussion:
Moderator:
- Maciej Marszałek, Partner, The Heart
Speakers:
- Jens Baumgarten, Partner, Simon-Kucher & Partners
- Piotr Czarnecki, President of the Management Board, Raiffeisen Polbank
- Anders Jensen, Managing Director Europe & Middle East, Confirmation
- Bartosz Traczyk, President of the Management Board, ING Usługi dla Biznesu S.A.
- Ewa Wernerowicz, President od the Management Board, Vivus
- Wojciech Wolas, Dyrektor Sektora Bankowość i Finanse, Dell EMC
- Leszek Wroński, Head of the consulting services department at KPMG in Poland and Central and Eastern Europe, KPMG
14:15 – 15:00 Thematic block:
The formula of short interviews: The jump to 2020. What will the period be from the point of view of representatives?
Moderator:
- Jan Koleśnik, Vice Director of the Banking Institiute, Warsaw School of Economics
Speakers:
- The central bank:
- Katarzyna Zajdel-Kurowska, Member of the Board, Narodowy Bank Polski
- Specialized banks
- Michał Mrożek, President of the Management Board, HSBC Polska
- Leasing companies
- Szymon Kamiński, President of the Management Board, BZ WBK
15:00 – 16:00 Lunch
Day II – 11 April 2018
9:00 – 9:30 Registration and morning coffee
9:30 – 10:30 Thematic block
What should the new system for pensions and long-term savings in Poland look like?
- Insurance, personal risk management and the situation on the work market
- Saving for retirement as a key social
- Na czym polega ta reforma?
- What does the reform depend on?
- What are the differences between PPK and PPE?
- What problems does PPK solve?
- What are the benefits and incentives for deposition in PPK?
- What are the components of a modern pension system?
- What are the mechanisms of its functioning?
- The pro-activity of insurers in the shaping of retirement politics
- The role of insurers on the market of long-term savings products (in the context of regulatory pressure / tax incentives / equal opportunities in this dimension with the banking sector and investment fund of companies)
9:30 – 9:45 Speech:
- Grzegorz Chłopek, President of the Management Board, Nationale-Nederlanden PTE
9:45 – 11:15 Panel Discussion:
Moderator:
- Marcin Wojewódka, Legal Counsel, Wojewódka i Wspólnicy Sp.k.
Speakers:
- Jarosław Bartkiewicz, President, Prudential
- Grzegorz Chłopek, President of the Management Board, Nationale-Nederlanden PTE
- Paweł Jaroszek, Member of the Management Board, ZUS
- Katarzyna Przewalska, Deputy Director of the Financial Market Development Department, Ministry of Finance
- Ewa Radkowska-Świętoń, President of the Management Board, Skarbiec TFI
- Małgorzata Rusewicz, President, Izba Gospodarcza Towarzystw Emerytalnych
- Robert Zapotoczny, Project Manager, PPK PFR TFI
11:15 – 12:30 Thematic block
The practical aspects of cooperation between Insurers and Start-Ups
- At the beginning, presentations of two real examples of cooperation already in place or joint pilot projects between the Insurer and Start-up (e.g. In agricultural insurance)
- Discussion with the participation of start-ups and representatives of Insurers on the topics of:
- What interests Insurers and what interests Start-ups
- What are the reasons for starting cooperation on one and the other side
- Observed barriers in connection with cooperation
- How to eliminate these barriers and find common benefits
- Is it always worth being an innovator by force, or is it sometimes not worth copying something, which is cheaper and checked?
- Bank’s point of view
- What mistakes are made by start-ups in reaching insurers?
11:15 – 11:25 Introduction to the discussion panel
- Marek Zefirian, President of the Management Board, Starter24
11:25 – 11:35 Case Study: Using drones in insurance
- Tomasz Kozłowski, Member of the Management Board / CTO, SkySnap
11:35 – 11:45 Case Study: Modern bank scoring in insurance
- Tomasz Kasprzak, Managing Partner / CSO, hiPRO
11:45 – 11:55 Introductory Presentation: Barriers in cooperation between insurers and start-ups
- Jędrzej Iwaszkiewicz, VP Business Development, The Heart
11:55 – 12:30 Panel Discussion:
Moderator:
- Marek Zefirian, President of the Management Board, Starter24
Speakers:
- Tomasz Huś, President of the Management Board, PZU Lab
- Jędrzej Iwaszkiewicz, VP Business Development, The Heart
- Radosław Kamiński, COO, Allianz
- Tomasz Kasprzak, Managing Partner / CSO, hiPRO
- Tomasz Kozłowski, Member of the Management Board / CTO, SkySnap
12:30 – 13:00 Networking break
13:00 – 14:00 Thematic block:
Modern client on the insurance market. What prevails – greater awareness of the offer and rights for the customers due to technologies, or common distrust due to spamming with, often unsuccessful, offers?
- How is the perception of insurance changed by clients? What are the prospects for these changes?
- How is the client market dynamically developing?
- The principle of grapevine as the most effective channel of advertising
- Change in the attitude of Poles to different types of products – people are more likely to buy insurance, and not as many pensions – what is it caused by?
- Expectations of younger clients – who are they, what are their needs and buying motivation and if, and how, financial institutions should adapt to their needs and requirements?
- Ways of reaching a non-traditional client, i.e. what are the challenges facing financial institutions in arriving and communicating? Offers tailored to clients, communication through social media, analysis of customer behavior
- Prospects for using banking data thanks to PSD2 – will it affect the actuarial models and personalization of the product offer for the insurance company’s client?
13:00 – 13:10 Speech:
- Cezary Świerszcz, President of the Management Board, Bacca
13:10 – 13:20 Speech:
- Jerzy Kalinowski, Adviser to the Board, KPMG
13:20 – 14:00 Panel Discussion:
Moderator:
- Jerzy Kalinowski, Adviser to the Board, KPMG
Speakers:
- Piotr Narloch, President of the Management Boardba, Interrisk
- Cezary Świerszcz, President of the Management Board, Bacca
- Michał Urbaniak, Country Manager, Comadso
- Mariusz Wichtowski, President of the Management Board, Polskie Biuro Ubezpieczycieli Komunikacyjnych
- Paweł Ziemba, President of the Management Board, Vienna Life
14:00 – 15:00 Thematic block
A view of the most important technology topics:
- Virtual assistants
- Language processing technologies
- Language recognition and processing technologies
- Monitoring buildings and apartments with IoT
- Personalization of insurance offers on the grounds of individual scoring (e.g. by using information from the client’s bank – PSD2)
- Platforms as the strongest trend in the economy (e.g. AXA, Alibaba and Ant Financial Services announced cooperation in the field of distribution of AXA products in the Alibaba ecosystem
- Automatization / robotization and their influence on work in insurance – good methods, what solutions are being implemented by insurers in Poland and around the world, the influence of these solutions on business models
- Why are Polish banks more innovative than insurers?
- Will the synergy of major technology trends like Big Data, Blockchain, Cloud computing, Artificial Intelligence, IoT be possible in the near future?
- Perspectives of development for telematics in the financial sector in the upcoming years
- Client security and security of the insurance firms in a digitalized world
Moderator:
- Witold Jaworski, CEO, NIO
Speakers:
- Ryszard Dyszkiewicz, Head-Group Information Technology & Back Office, VIENNA INSURANCE GROUP AG
- Tomasz Huś, President of the Management Board, PZU Lab
- Rafał Mosionek, Vice-President of the Management Board, Compensa TU S.A. Vienna Insurance Group
- Piotr Siciak, Director, Financial Services Advisory, KPMG
- Adam Smółkowski, CEO, Aspartus grupa ProService Finteco
- Rafał Stankiewicz, Vice-President of the Management Board, Warta
- Jacek Szczepański, Vice-President of the Management Board, Atende
- Wojciech Wolas, Dyrektor Sektora Bankowość i Finanse, Dell EMC
15:00 – 16:00 Lunch
Update 6.04.2018
The Organizer reserves the right to change the program