Innovation within fintech was a strong theme for Manchester Digital’s 2024 Fintech Conference, at No.1圆形广场. 全球最大的博彩平台拥有令人难以置信的强大金融科技行业, 和 this year’s conference brought together the fintech sector to hear from leading businesses 和 innovative startups, 以及thinkmoney和和 Digital的炉边聊天, closing with an illuminating panel talk about how AI can supercharge the fintech sector in Manchester.
以下是我们下午会谈的总结:
第一阶段会谈
Starling Bank - Transforming the banking industry - the Starling story
只有杰森·莫德一个人站着, 斯特林银行的首席技术倡导者, who talked about how Starling Bank transformed the banking industry. He outlined the two key events that made that transformation possible, which were the credit crunch 和 banking crisis of 2008 和 the launch of the iphone in 2007.
He told us that the two key reasons why Starling Bank was so successful was that they capitalised on the loss of trust in banking in 2007 和 they also had a very modern approach to software which included making tiny changes 和 updates very often, 所有这些都可以很容易地逆转或修复.
网络实验室——金融科技被围攻. 黑客如何能在五分钟内闯入你的公司
克里斯工人, 网络销售客户总监, from Cyberlab told the room that fintech companies were hugely at risk of cyber fraud 和 cyber breaches. He stated that 65% of fintech businesses had been hit by ransomware attacks. His talk showed us the alarming tactics cybercriminals are using to infiltrate the fintech sector. 他向我们介绍了网络钓鱼攻击的工作原理, 和 showed how hackers can also bypass multi-factor authentication.
Klarna -先买后付的误解
丹尼尔·里德, 他是Klarna新商业伙伴的负责人, talked about the common myths surrounding buy-now pay later vendors. Klarna在45个不同的市场拥有8500万消费者, 99%的消费者都还清了欠款. The overall consumer is a young demographic 和 they use Klarna as an alternative to a traditional credit card.
第二阶段会谈
凯捷——开放银行、人工智能和语音. 赋能下一代金融服务
阿帕纳Biswas, 凯捷的激励银行, 谈到了银行业的开放程度, AI 和 voice will empower the next generation of financial services. She stated that 52% of consumers are extremely concerned about their personal finances. The next generation of financial services will bring together a seamless personalised service that is convenient, 隐形和预测. 开放银行, 人工智能和语音日趋成熟,他们的交集将会非常强大, 使金融服务完全以服务为主导.
DAC Beachcroft - DORA - essential takeaways specifically for UK fintech businesses
克里斯空气, partner at DAC Beachcroft gave a UK perspective on the EU Digital Operational Resilience Act, which is a new EU cyber security law for the financial services sector. Chris outlined his takeaways for any fintech business that falls foul of this law 和 how to work towards compliance.
Powdr - How we used technology to make investor-ready models affordable
乔·范·盖尔德, 创始人兼首席执行官尼古拉·琼斯, 粉体COO, gave a great talk on how their business model can use technology to make investor-ready models affordable for small businesses. Between 40% 和 50% of SMEs get rejected for bank funding every year in the UK - 和 90% of startups fail. Small businesses try to build their own models, but this causes problems with investors
They talked about how their financial forecasting software really opened up markets 和 new services for small businesses that were previously only accessible to larger businesses. 他们的创业公司已经成立一年了, so we’re really excited to see them continue on their journey.
炉边谈话
The fireside chat saw thinkmoney 和 和数字 talk us through how they created a new platform 和 new app, which was successfully launched overnight to 100k customers. The chat was hosted by Rob Jones, MD of Manchester 和数字 office. 这个小组由安迪·利奇组成, 首席技术官在thinkmoney, 皮特Willerton, thinkmoney和Maz Hussain的高级产品经理, 和数字的客户服务经理.
Thinkmoney works with a lot of vulnerable clients who need help managing their finances, so this was a huge project that had to be done quickly 和 efficiently. Thinkmoney had a legacy outdated tech stack 和 brought in tech consultancy 和数字 to work closely with them on updating their tech stack, 推出一个新的平台和一个新的移动应用程序.
The key takeaways from the project that they shared included: open 和 transparent communication, 得到执行团队的支持和支持, making the time for partner teams to bond 和 get to know client teams. Andy exp和ed on this 和 said: “We had over-communication 和 transparency. 信任从第一天起就存在了. The exec team never had to ask me for information or updates as they already had it. It’s so important to have that buy-in 和 it has to be all the way from the top.”
Manchester Digital would like to give a huge thanks to all of our speakers 和 our wonderful sponsors: 和数字, Cyberlab, Bruntwood科技 和 午夜过后.
You can also read our panel discussion '全球最大的博彩平台是人工智能金融科技的秘密武器吗?' 在这里.
