ww

w.r

etai

lban

kin

g-ex

po.

com

4th & 5th April 2017LE MERIDIEN DUBAI HOTEL & CONFERENCE CENTRe

Contents • A welcome note from the conference

producer

• Event instructions

• Welcome Note from our Chairman

• Sponsors & Partners

• Program: What you will hear about

• Speaker & Panelist Biographies

• Meet Our Sponsors

• Upcoming Events

• Slido

Dear participants, Welcome to the 12th Annual Middle East Retail Banking Confex.

In our 12th edition, we are delighted once again to still be at the centre of this dynamic industry where the

level of innovation we are seeing from the region continues to soar!

Everyone is stepping up their digital game.

Over the next two days, we will spotlight the pioneering ideas and initiatives that you need to know about. From the conference room to the exhibition area, the visionary night to innovation theatres and strategy boardrooms, you will get an abundance of opportunities to hear about how retail banking is evolving.

Gear up for new-age customer experience initiatives, the role of Blockchain and AI, as well as hear from our FinTech friends who are reshaping the industry as we know it!

We would like to thank all of our esteemed speakers, sponsors & partners for their support and involvement – we are delighted to be working with these key industry voices to shape this important event.

Please be sure to maximize all the networking activities, learning platforms and Q&A discussions throughout the event. And do not hesitate to contact any member of the Fleming. team regarding questions or valuable feedback.

We hope you enjoy this year’s event!

Shameema Parveen Senior Project Manager

See you at the registration desk

My name is Grenville Cardoz and together with the conference producer, I will be assisting you throughout the

whole event. See you at the

registration desk.

Grenville Cardoz Event Coordinator

Maximise Your Event Experience!Here’s A Quick Run-Down Of The Key Event Info

SPEAKER LOUNGE sponsored by Simah & Qarar:

During networking breaks, speakers will congregate in the speaker lounge, located in the exhibition area. Head there for another chance to ask key questions or meet our fantastic speakers in person.

EXHIBITION AND NETWORKING COFFEE-BREAKS: Top up your ca�eine levels whilst networking with the most innovative solution providers in the industry in the Great Ballroom 1 - Lobby Level.

LUNCH

After a busy morning, head to the Great Ballroom 2 – Lobby Level, for a delicious lunch. If you have any special dietary requirements please let us know at the registration desk during the first co�ee break.

EXCLUSIVE DIGITAL BANKING BOARDROOM BRIEFING hosted by Temenos

For invited participants, please make your way to “Granada 4, Level 1” on Day 1, 11.30 & 14.30 for this strategic meeting! For more information turn to page 7

INNOVATION THEATRE WORKSHOPS

From blockchain to digital transformation, check out these uber-cool breakout sessions in the exhibition area! For more information turn to page 12

GET INTERACTIVE!

Don’t just sit back and listen. Ask your questions and share your ideas via Sli.do – our super-easy event app. Turn to page 28 for details on how to access Sli.do

COURTESY REQUEST: PHONES ON SILENT PLEASE

We all live in this mobile world but as a courtesy to our speakers, we kindly ask you to keep these on silent when in the conference room.

WE WANT THIS EVENT TO GET BETTER AND BETTER…

In order for us to continue giving you what you need, we need your feedback! Please share any ideas, comments or suggestions through our conference evaluation form and hand these in at the registration desk or to any member of the Fleming. Team.

CONNECT CARD Connect, Network & Win! Visit our exhibitors and

complete your connect card to win exciting prizes such as a VR headset!

Akshaya GaurFinTech & Digital Transformation Expert Aayan Consulting, Founder & CEO,Mashreq Bank, Former Chief Information Officer

Welcome to the 12th Middle East Retail Banking Confex!

The world is going Digital and there is a huge focus on FinTech and clever products and fancy mobile solutions. The reality is that the key challenges we face today are bigger than most of these.

Banks have, traditionally, focussed on e�iciency and not true relationships with their customers. More importantly, the better way to do banking has, usually, been about keeping the focus on what is better for the Bank! The time has come to realise that our goals are not just about e�iciency or technology or products or operations, but about how we use these to add lifetime value to our customers’ lives. We need to build digital experiences that are truly centred around the customer by delivering personalised touchpoints and experiences. We need to start thinking about the customer journey outside-in rather than the other way round.

As a wise man said in a recent article, “The experience is the Brand”!

I hope the 12th Middle East Retail Banking Confex 2017 will give you enough food for thought in the next couple of days – enjoy it, discuss and debate the thoughts that are presented, ask questions, challenge viewpoints, but most importantly, think about what you hear in the context of your customers and the Brand that you want them to experience.

Enjoy!!

Welcome Note from our Chairman

www.fleming.events

Sponsors & Partners

Strategic Chatbot Partner Speaker Lounge Partner

Associate Sponsors Bronze Sponsor

Digital Transformation Partner Silver Sponsors

Executive Boardroom Briefing Gold Sponsor

Strategic Communications Partner

Networking Partner Exhibitors

FinTech Partners

www.fleming.events

DAY 14th April 2017

8:00 Registration & Coffee

9:00 Welcome Note from Fleming. & Opening Remarks from Chairman

Akshaya Gaur FinTech & Digital Transformation Expert Aayan Consulting ,Founder & CEO Mashreq Bank, Former Chief Information Oicer

9:10 KEYNOTE: How to Build a Truly Digital Bank•Overcoming internal culture and challenges to

digital proposition•Fundamentals of Digital Bank•Innovation to enhance customer convenienceAndrei Kozliar, TouchBankChief Executive Oicer

9:50 Leveraging the Power of Analytics in Credit Card Limit ManagementThis session will explore how Qarar is using deep-dive analytics to optimize credit card   limit management strategies •Learn how to select customers for action by

focussing on the various profits, costs and loss drivers

•The common pitfalls of customer selections &•The importance of understanding objectives,

data availability and selection, as well as  impacted profit drivers

Riaz Jassat, Qarar, Principal Consultant

10:20 SPECIAL FEATURES: Stop by Session + Networking Coffee BreakDelegates visit your choice of vendors and see what is new in the market. Visit minimum of 10 technology vendors in the hall and get their stamps to be eligible for the rale draw at end of day 2

11:00 THE RETAIL GURU PANEL: The panel features eminent heads of retail banking addressing their views on innovation for 21st century retail banking

•Building your retail banking strategy around the Millennials

•Changing Consumer behavior – opportunity or Threat

•How banks must enable the perfect mix of brick, mortar and technology

•Simplifying the business and operating model •Are Fintechs an irreversible threat to the retail

banking business model or an opportunity for quick innovation?

•Enabling innovation and creating the right support system

•Driving a customer centric retail bank transformation

•How IOT will a�ect retail banking `•What regulatory changes are needed to help

innovation move forward?

Moderator:Rob Wint, Temenos, Senior Digital Product Manager

Panelists Suvrat Saigal, National Bank of Abu DhabiManaging Director & Head of Global Retail Dinesh Sharma, Citibank UAEHead of Consumer Bank- MENAEhab Mahmoud Hassoubah, Bank AlbiladGeneral Manager Retail Banking Group Anil Kumar, Commercial Bank InternationalHead of Retail Banking Group Mohamed Roushdy, Bank Albilad, CIO Advisor

www.fleming.events

DAY 14th April 2017

EXECUTIVE BOARDROOM BRIEFING:

BY INVITATION ONLYDay 1, 4th April, 11:30 – 14:30: Evolution and Innovation to Drive your Digital Banking ServiceTopics for discussion include:•How does the digital banking landscape look like (both

locally and globally) •Is ME region behind the curve… ? •What is the impact of digitization on banking customers

and also sta�•Are banks losing the customer touch point•Discuss open banking / PSD2 / API’s / growth of FinTech•New banking models – how AI and Chatbots can drive a

di�erent experience.•What are customer expectations around digital

engagement?•Where do you start and how do you scale? How can you

evolve to compete in a progressive way?•What does success look like…?Host:Rob Wint, Temenos, Senior Digital Product Manager For more information on this email us on: Shameema.parveen@fleming.events

11:40 Block chain: Paving the way for disruption •Uncovering the Blockchain revolution-

opportunity or threat? •Cross-border payments via Blockchain•Impact of block chain in BankingAnshul Srivastav, Union Insurance, Chief Information Oicer & Digital Oicer

12:10 On Stage Tech Talk: The Blockchain Journey•FinTech, Blockchain and the Opportunities in the

Retail Space

Ramana Kumar, NBAD, Managing Director & Head of GTB Business and Product ManagementMarcus Treacher, Ripple, Global Head of Strategic Accounts Anshul Srivastav, Union Insurance Chief Information Oicer & Digital Oicer

12:40 Digital Evolution of Authentication and Verification•Authentication channel options, benefits, and

limitations•Authentication assurance levels•Balancing between security, cost, and customer

experienceKarim Zaki, Cequens, Director of Products

12:55 FinTech Segment Session # 1

No more boring monotonous sessions. This quick fire demo sessions will provide you with an array of solutions from FinTechs to address your challenges in sessions lasting no more than 7 minutes.

7 min demos + 3 min Q & A• NOW Money

Katharine Budd, NOW Money, Co-Founder & CEO •STRANDS

Helping SMEs go global: Accelerate growth with Business Financial Management solution

Pau Velando, Strands, General Manager•LOYYAL

D Coins: Employee Incentification application Blockchain for Loyalty/Behaviour Incentification

Sean Dennis, Loyyal, Chief Happiness Oicer and Co-Founder

13:15 Networking Lunch

14:25 Monetizing digital innovation and services•72% of new products and services do not

achieve their profit target•A digital strategy without solid monetization

model is doomed to fail•Learn from global best practices how to

monetize digital innovation and services

Martin Janzen, Simon - Kucher & Partners, Director (UAE)

www.fleming.events

DAY 14th April 2017

14:45 ATMs & Self Service Reinvented •Putting self in self service•Understanding the Role of ATMs in the next

generation of self service banking •Driving a more engaging customer experience

through self service by changing the look and feel of branches and ATMs

Aref Al-Ramli, Mashreq BankSVP and Head of Digital Banking and Innovation

15:05 The Everyday Bank •How can banks leverage on AI (artificial

intelligence)? How can they harness its power to improve their customer experience?

•The impact of the open FinTech API ecosystem. •PSD2 - A new sales & origination opportunity •The main strategic directions banks should

choose fromMarten Kruisinga, Backbase, Regional Director MENA

15:25 Networking Coffee Break

15:40 Customer Experience in Banking: The New X-Factor for your Business?•Discover why customer experience is The New

X-Factor for your business.•Develop "Customer Experience" for di�erent

personas.•Deliver creative customer experiences as the

new growth blueprint. 

Kannan Ramasamy, Vayana, Chief Executive Oicer

16:00 Thinking beyond the customer throughout Digitalization •Digitalization as a coaching not a catch up

strategy to sustain market share•Thinking beyond the customer for better

Customer Journey •Creating an ecosystem of digital transformation

for convenience, customized products & services

Dr. Joseph George, National Bank of Fujairah Head of Information Systems & Technology

16:20 PANEL DISCUSSION: Experts closing panel•Hear experts discuss a plan of action as

gained from the day’s presentations session including banks, consultants and technology experts

•The Future of banking from the branch to blockchain

•What will a retail bank look like in 2020?•Managing changing customer expectations •Redesigning of branches – to match the brand

image•The future outlook of branch banking•Addressing the retail banking talent gap

Moderator: Khaled Sherif, PhD, Cequens, Cofounder & Chairman of the Board

Panelists:Eleni Kitra, Facebook, Head of Financial Services MENAMujtaba Naqvi, HBL, General Manager – Senior Regional ChiefPaolo Barbesino, Digital Transformation ExpertHisham Hammoud, Ajman Bank, Chief Business Oicer

17:00 Closing Remarks by Chairman End of Day 1

17:10 Visionary Night & Cocktail Networking

MERB Visionary Night After an intense day of learning and networking, you’ll be more than ready for an e�ortless evening to sit back and relax with a drink whilst visionary leaders from FACEBOOK & RIPPLE reveal some hidden gems behind the future of banking.

Mujtaba Naqvi HBL, General Manager –

Senior Regional Chief

Eleni Kitra Facebook, Head of Financial

Services MENA

Ramana Kumar NBAD, Managing Director & Head of GTB Business and

Product Management

Marcus Treacher Ripple, Global Head of

Strategic Accounts

So stay back, have a drink & cement those valuable connections from the day!

DAY 25th April 2017

8:25 Registration & Coffee

8:50 Opening Remarks from Chairman

Digital Transformation, Customer Experience & Innovation

9:00 “What’s it like to digitally transform your Retail Banking?”•Banks need to align their digital capabilities from

the core to the customer interface to drive a successful digital transformation strategy

•'Digital' more than a front end renovation •Aligning product ,people and processes to

become truly digital •End to End core transformation and

modernization Paolo Barbesino, Digital Transformation Expert

9:20 Creating a Smart Branch•Around the world, banks are experimenting with

one-o� futuristic branch designs.•Evolving the Branch by shifting teller

transactions to an assisted self-service system.•An evolutionary approach to retail branch means

more time for customer interactions.

Giulio Segurini, ARCA, Market Discovery Financial Solutions

9:40 Customer Experience and the Connected Generation – is the Millennial Story over-rated? •There is no doubt that Customer Experience

defines the digital transformation story but -•Is the focus on the Millennials limiting the market

segments banks have?•Are Banks limiting their revenue opportunities

and short-changing their profitability? •Should our focus move from Gen Y, the

Millennials, to Gen C – the Connected Generation?

Akshaya Gaur FinTech & Digital Transformation Expert Aayan Consulting, Founder & CEO Mashreq Bank, Former CIO

10:00 “Retail Banking`2017: New Paradigm”•Big Data is not enough in the “Economy of

Algorithms”. Algorithms convert data into actions (money). The better your algorithms, the more profit your Bank has.

•Current Paradigm (“Omnichannel Siloes”) vs New Paradigm (“Fusion Channel Ecosystem”). Mobile apps vs chatbots (7 clicks before buy vs 3 clicks before buy).

•AI Chatbots as an important part of a New Retail Banking Paradigm

Ilya Isakov, RBtechnologies, Managing Director Andrei Omelchenko, RBtechnologies, Strategy & Operations Director at Middle East, Asia-Pacific and Europe

10:20 Networking Coffee Break

10:40 GURU TECH LEADERS PANEL: The panel session features regional and international digital banking technologists and channel specialists who will discuss the way forward in digitization.•Providing the Ultimate Digital Customer Journey•Impact of digital across the retail business•What new opportunities does digital banking

present for providing value-adding services?•Social media as a channel for transactions•Building your brand to drive a profitable

customer engagement•How can you best inspire innovation throughout

your bank?•How can you ensure security stay stays strong in

the wave of innovations?•Next Gen Banking channels•Creating a culture of innovation•Understanding the digital value at stake for retail

banks•Security and simplicity in transactions Moderator:Ram Kevalur, TCS, Global Head – Banking services, TCS Business Process ServicesPanelists: Mohamed Roushdy, Bank Albilad, CIO Advisor Charles Lobo, Network International Chief Operating Oicer  Mark Stanley, EY | Digital | Transformation | Financial Services, Africa, India and Middle East, DirectorAladdin Al Deesi, Mashreq Bank, Regional Head of Distribution and CEO of Mashreq Al Islami, Retail Banking Group

www.fleming.events

DAY 25th April 2017

11:20 The next generation customer experience – Omni experience through Omni channel•Making the overflow of personal digital footprint

on the internet a source of meaningful information•Matching customers’ needs through proper

interpretation of data•How to use this data as a competitive edge •Improving backend automation to strengthen

frontend•How virtual Shared Service Centers can improve

customer experienceRitesh Varma,Newgen Software Technologies, GM Consulting Practice (EMEA)

11:40 PANEL DISCUSSION: Benefits of Credit Bureau Optimisation Services Credit Bureau data provides fast access to accurate, consistent and standardised data on prospective borrowers. The panel discussion will reveal cutting edge modelling techniques and a range of strategies implemented across the customer lifecycle that will empower you;

•To Assess customer behaviours accurately  with a 360 degree overview

•Reduce processing time and costs for enhanced customer experience and profitability

•Implement Best Practices in unlocking the real value of credit bureau data

Moderator:Zaid Kamhawi , Qarar, CEOPanelistsAlaa Al Mashhadi, SIMAH, Head of Business DevelopmentAzim Alvi, Al Awwal Bank, Head of Consumer Credit Risk Management

12:10 Onstage Tech Talk: Collaboration and partnerships for a successful financial ecosystem •Learn how Xpress Money & ADCB’s

partnership has successfully impacted the remittance industry to serve customers better through integrated solutions

Sundar Parthasarathy, Abu Dhabi Commercial Bank Executive Vice President- Head of New Business Sudhesh Giriyan, Xpress Money, Chief Operating Oicer

12:30 FinTech Segment Session # 2: No more boring monotonous sessions. This quick fire demo sessions will provide you with an array of solutions from FinTechs to address your challenges in sessions lasting no more than 7 minutes.7 min demos + 3 min Q & A•i-exceed

Appzillon Digital Branch - Leverage the power of digital to enhance customer onboarding and servicing experience.S. Sundararajan, i-exceed Technology Solutions, Executive Director

•Monami Tech Wahed : a mobile digital wallet app for the millennial MuslimNimmer Khokhar, Monami Tech, COOAdriana Vizcarrondo, Monami Tech, VP Marketing

12:50 Using 21st century technology in loan management•Challenges of integrating external and internal data•Lead generation using a combination of data sources•New approaches of credit scoring•Case study: early warning methods using big dataTamás Erni, Loxon, Managing Partner

13:00 Networking Lunch

14:00 Global Banking and Payments innovations coming your way! Are we READY?•Payment Services Directive2, Big Disruption-

Coming our way!•New FinTech’s challenging Banks and how to

cooperate for Mutual benefit•Banks new generation competitors: (Apple/

Android/Samsung Pay Vs ZAPP )•Voice is the new touch, in Banking!•The importance of Augmented Reality, VR,

Proximity, and Blockchain in Banking•The new generation of Contactless, Smart

Wallets and Push ePaymentsFarshad Nowshadi, Saman Bank Corporation, Vice President – eStrategy and Technology

14:30 Kotak Mahindra:  The Digital Success Story•Use of digital in – Acquisition , Service,

Adoption  & higher share of wallet•Learning in the innovation journey•Agile methodology from business perspective Manish Shah, Kotak Mahindra Bank Limited, Vice President – Internet / Mobile & Social media platform

www.fleming.events

DAY 25th April 2017

15:00 Networking Coffee Break

15:20 Payments- What’s Next?•Emerging trends in payments to watch out for•Mainstreaming next gen payments- Contactless,

Mobile Wallets•Using Big Data in Payments to drive innovationPankaj Kundra, Mashreq Bank, Head of Personal Banking, Cards & Payments

15:40 Onstage Tech Talk: Reimagining Customer Experience through Digital Technologies’•The session will explore and touch upon the

Digital journey that the bank has embarked upon to make itself truly customer centric digital bank.

•Impact of Digital Channels on Urban and Rural India.

•Enablers for building a smooth digital pathway for the Banking industry to leverage

Abhijit Singh, ICICI Bank, CIO Padikkal Suchithran, TCS BPS, Middle East & Africa, Regional Head

16:20 Raffle Draw prize give away

16:30 Closing Remarks by Chairman & End of Conference

Experian is proud to have played a part of the success of the 11th Middle East Retail Banking Forum & Expo in 2016. It gave us unique opportunity to directly approach top professionals of the retail banking industry from the Middle East region. Special thanks to Fleming for their great event management and professional engagement.

CIGDEM GUNDOGANHead of Marketing & PR, EXPERIAN

The event is getting bigger year on year and it is good to see that the quality of content is getting better.

MUJTABA NAQVIGeneral Manager - Senior Regional Chief, HBL

As usual, it was a very fruitful event. We met few amazing solution providers and the some exceptional speakers.

RONALD ZIRKA Director - Marketing Division and Retail Division,

Banque Libano Francaise SAL

www.fleming.events

Innovation TheatreDAY 1 – 4th April 2017

10:30 - 11:30 Digital Transformation & its Impact on Retail Banking

•What do retail customers really want from NextGen Banking?

•What technologies will actually shape the future landscape of banking – Blockchain, biometrics, mobile, A.I among several others?

Charles Habak, Booz Allen Hamilton Vice President

14:30 - 15:30 Blockchain Technologies: Revolutionise the GCC Banking & Finance Sector

•Understand how this exciting technology can be used in Retail Payments Infrastructure, Remittances and much more by speeding up transactions, increasing security & transparency whilst reducing costs. Exploring Blockchain use cases and best practices for retail banking, international payments & remittances

Marcus Treacher, Ripple, Global Head of Strategic Accounts

DAY 2 – 5th April 2017

10:30 - 11:30 Digitizing the Customer Experience

•As branches close, banks need to focus on delivery of end to end customer experience and learn how to create an Omni-channel banking experience by embracing Digital.

•Building a future branch – hybrid of digital & physical branch that will enable a seamless experience across all channels

Session Reserved for R B Technologies

Raffle Draw• Connect,Network&Win!Visitourexhibitorsand

complete your connect card to win exciting prizes such as a VR headset!

• Only one entry per delegate is applicable

• Please drop the completed form at ra�le draw box at the registration desk

www.fleming.events

Speaker & Panelist Biographies Day 1 Speakers:

Andrei KozliarTouchBank Chief Executive OfficerAndrei Kozliar is a seasoned banker with 17 years of professional experience in senior

and executive leadership roles in international banking leading transformation and start-up projects in retail banking sector. Andrei has started his career in the UK working for such banks as Royal Bank of Scotland and BNP Paribas / Cetelem, focusing on risk management & credit strategy, after which he started participating in the development of various Fintech startups and digital banking projects. Andrei’s core competence and interests are focused on innovation, growth-hacks and building of top-notch performance teams. For the past decade Andrei held several executive positions at GE Money Bank, Renaissance Capital and Svyaznoi Bank in Russia. In 2013 he was appointed as a Managing Director and a chief strategy development at Touch Bank, Russia’s digital-only bank, founded by OTP Group, the leading financial institution and banking service provider in Eastern Europe. Within less than 2 years of operations Touch Bank attracted over 100 000 customers in Russia, providing its growing customer base with excellent digital services and unique financial products.

Gopi Krishnan Al Hilal BankChief Information OfficerGopi Krishnan (known as Krish) is a seasoned

Banking & Technology professional with successful track record of spearheading technology and business transformations for the past 19+ years. As an experienced change agent who is passionate about leading “Business Turn-around” situations, he has been helping executive management to get the best return on their technology investments and to use technology as a competitive advantage. His career includes key management positions in Citigroup, Fidelity Investments, First Gulf Bank, BankMuscat International and Qatar Islamic Bank. Krish is widely recognized in banking industry for his thought leadership and accomplishments in the space of digital transformations and running IT like a Business. He was acknowledged as the “Chief Digital O�icer of the Year across all GCC nations” at CDO Conclave 2017. Krish has a Postgraduate Diploma (MBA) from IIMM, India and has also garnered various industry certifications on IT & Information Security

Riaz Jassat Qarar Principal Consultant

Riaz has over 19 years of credit and risk experience in the financial services industry with a with a

proven track record of delivering excellence, skilled in credit life cycle management, retail risk, MIS, project management and client engagement. Specializing in Customer Life Cycle Management, Riaz optimizes the retail lending portfolio profitability of a number of clients throughout the Middle East, with a deep understanding of Consulting, Analytics and Predictive models across the life cycle, covering Originations, Account Management, Customer Retention and Collections. Prior to Qarar, Riaz was previously a consultant at Principa providing specialized product support to all Middle East clients. Riaz has acted as a trusted advisor to clients such as HSBC (Middle East), Samba (KSA & UAE), Visa Inc. (CEMEA Region), American Express (KSA & ME), National Commercial Bank (KSA).

Suvrat Saigal National Bank of Abu DhabiManaging Director & Head of Global RetailSuvrat joins us with 24 years of International Retail

Banking experience in Citibank and Barclays. His last assignment was in Barclays as Head of Consumer Banking – India, where he was responsible for devising and executing the turnaround strategy for Barclays Retail in India and moved it into a profitable business since the time he joined them in 2009. Prior to Barclays, Suvrat spent almost 20 years to his international banking career with Citibank. He started in 1990 in India and lastly was in Australia as Head of Strategy, Marketing & Customer Experience. During his tenure with Citibank, Suvrat has performed at various senior level assignments in markets such as Japan, Australia, Singapore, USA within the retail segment. All through his career Suvrat has been a ‘change agent’ following his global track record of strategic turnarounds and business transformation to improve revenues and market share.

Dinesh SharmaCitibank UAEHead of Consumer Bank - MENADinesh leads the consumer franchise for the Middle East & North Africa (MENA) cluster based

out of Dubai, UAE and has been in this role since Nov 2012. Prior to his current role, Dinesh was the Consumer Group Risk Director for EMEA from December 2006, responsible for managing credit and fraud risk, defining risk appetite, optimizing risk capital and executing asset risk strategy across all Consumer businesses in the region. Dinesh joined Citi in 1990 and over the last 25 years has worked across a range of functions and business units in Consumer. In May 2002, he moved to Italy as Consumer Risk Director, based in Milan. In October 2004, he became the Regional Risk Director for Citifinancial Europe, based in London. Dinesh has a Bachelor’s degree in Mathematical Statistics and a Master’s degree in Business Administration

Ehab Mahmoud HassoubahBank AlbiladGeneral ManagerEhab Hassoubah has over than 16 years of experience in Banking, with broad experience in Commercial, Retail, and Investment Banking

Operations, business development, change management, strategic planning, and process and people management. Ehab is currently looking after the Retail business of Bank Al Bilad, leading the various business lines of Personal lending, Auto lease, Mortgage, Credit Cards, Debit Cards, Channels management (including ATMs, POSs, Call Center, Internet Banking, and Mobile Banking), Private Banking and Wealth Management, E-Commerce, in addition to managing the 5th largest network of physical branches in KSA with over than 150 branches.

Anil KumarCommercial Bank International Head of Retail Banking Group

Senior Retail Banker and Financial Services professional with over 23 years experience across Retail Banking, Private client and asset management business. A leader, Manager and team player with strong P&L management experience and a proven track record in initiating start –ups, significantly scaling up going concerns and in managing turnarounds. Worked in diverse geographies from UAE to the UK including in emerging economies like India & Egypt. Have managed Global business spanning from North America to the Far East

www.fleming.events

Mohamed RoushdyBank AlbiladCIO AdvisorWith more than 23 years of experience in IT of

which more than 12 years as a CIO/COO in Financial Services industry (Conventional and Islamic). Mohamed Roushdy has been working for major financial services, conglomerate and software services companies in the region. Mohamed worked for Major Financial services organizations such as Commercial International Bank – Egypt, Al Ahli Bank of Kuwait, Abu Dhabi Islamic Bank (ADIB), Al Hilal Bank, Sharjah Islamic Bank and Bank Nizwa (Oman) as well as working as an Advisor with Booz and Co. in establishing the first Islamic Bank in Libya (Libya Qatari Bank). Currently Mohamed is the founder and CEO of Entrepreneur Advisory Group – Middle East and engaged in assignment in KSA as Technology Advisor to the CEO of Bank Al Bilad – Saudi Arabia. Mohamed hold MBA from Manchester Business School (MBS) and received the award of Middle East Ambassador of Manchester Business School in 2013.

Ramana Kumar NBAD Managing Director & Head of GTB Business and Product Management

Ramana Kumar is Head of Global Transaction Banking (GTB) Business and Product Management for NBAD. The GTB business encompasses Cash Management, Trade Finance, Custody, Escrow Management and Prepaid Cards. Mr. Kumar has been instrumental in building products and channels across cash, trade and cards, driving the delivery of a unified platform. He has been instrumental in building regional cash and trade solutions in line with NBAD strategy. Ramana has special interests around fintech/ blockchain and the impact on the wider corporate space. He has participated in many forums focusing on future of payments, trade, fintech / blockchain. Ramana has mix of strategy and business experience and was instrumental in developing the bank’s new strategy and rolling out five-year plans for the wholesale, commercial, and retail businesses.

Marcus Treacher Ripple Global Head of Strategic AccountsMarcus Treacher is Global Head of Strategic Accounts at Ripple. Marcus has over 30 years

of experience in transaction banking and payment technology, including 12 years in global leadership roles at HSBC. He served as a member of the Global Board of SWIFT from 2010 to 2016. Prior to joining Ripple Marcus was HSBC’s Global Head of Payments Innovation, applying emerging fintech to solve customer challenges in digital payments, trade and supply chain. Prior to HSBC, he held leadership positions at Citigroup and Accenture. Marcus also works with industry communities, organizations and governments, has chaired SWIFT’s global advisory body for corporates from 2010 to 2016 and is an independent non-executive director of CHAPS Co, the UK’s RTGS clearing company.

Katharine Budd NOW Money Co-Founder and Chief Executive Officer

Prior to founding NOW Money, Katharine worked in retail banking analytics for a fintech called Cardlytics. This company is now valued at just under USD1bn. She has further analytical experience across a range of UK and GCC retail banks

Pau Velando Strands General ManagerPau Velando is the General Manager of Strands where he leads and coordinates business e�orts

worldwide. He is passionate about machine learning, artificial intelligence and cognitive computing. Pau holds a degree in Industrial Engineering and a master in Machine Learning and natural language processing. He also holds an MBA from IESE Business School. Before joining Strands, Pau co-founded Wiscovery, solving complex problems in fraud, money-laundering, marketing and sales with advanced analytics and machine learning models. Prior to that, he held senior positions at PwC and Arthur Andersen.@pau4irfinance.strands.com

Sean Dennis Loyyal Chief Happiness Officer and Co-FounderSean is a seasoned entrepreneur with an

international background. Having grown up in the UAE (Dubai), Hong Kong, Europe and Latin America, he brings a wealth of global perspective and experience to the Loyyal team. He is passionate about loyalty and behavior incentification, and the way in which Blockchain and Smart Contract technology can enable it. He holds a Masters from CASS Business School (UK).

Karim ZakiCequens Director of Products

When it comes to transforming technology companies, ask Karim. He started his software

engineering career in 2003 and since then, have been building software teams in companies like Raya and ITWorx. He served as Delivery and Technical Operations Director at Integrant for 4 years, where he restructured the company’s capability management and built the PMO, contributing to a 3-fold revenue and 15% profitability increases. In 2012, Karim joined Cequens as Software Development Director, built the development team, and championed the company’s product cloud migration. He holds Bachelors and Masters degrees in Computer Science and resides with his family in Cairo.

Martin JanzenSimon - Kucher & PartnersDirectorMartin is leading Simon-Kucher’s banking team in the Dubai o�ice, serving clients in the MENA

region. Together with his team he advised banks and financial institutions in Europe, the Middle East and Africa on TopLine power and developed and implemented numerous innovative products, pricing strategies and sales excellence programs. He is an expert on behavioral pricing and monetization strategies.

Aref Al-Ramli Mashreq BankSVP and Head of Digital Banking and Innovation

Aref Al-Ramli, SVP and Head of Digital Banking and Innovation, heads the Digital banking and Innovation for Mashreq Bank UAE, Qatar and Egypt, he has been successful in transforming the Digital channels to become the highest contributor of new business and migrated over 87% of the bank’s financial transactions to e-channels. During his tenure, Mashreq has been awarded “Regions best banking innovation” by the Middle East Bankers Awards and “Best Digital bank” and “Best Mobile Bank” by the Global Finance awards. Recently he has launched one of the first Artificial intelligence agents in the financial industry “MashreqBot” and was among the first institutions to integrate its mobile banking application with Siri. Al-Ramli has over 14 years of Digital experience and holds an MBA and is a business information systems graduatewww.fleming.events

Marten Kruisinga Backbase Regional Director MENA

Marten Kruisinga advises large enterprises, primarily banks and insurance companies on all

continents on how to make their digital ambitions a reality. Often they have many challenges, like existing legacy systems and silo-ed architectures. He helps them by designing digital transformation programs which are feasible, tailored, and creative and have instant business value. Marten is responsible for the expansion of the Backbase footprint in Middle East and by making sure existing customers are extremely satisfied, the market is familiar with our o�ering and prospects become believers

Kannan RamasamyVayana Chief Executive Officer

Kannan in his role as CEO of Vayana provides strategic direction and leads the Solution NET

Omnichannel and Digitization business. He has been in senior business and operational roles with Fortune 500 companies including various GE Capital businesses. He was the founding CEO of GE Capital's Consumer and Auto Finance Businesses in India and later moved within GE Capital to hold executive positions in the US. After his stint at GE Capital, as President US Operations he built Scandent Group's US business and followed that with a business transformation of Dallas, USA based Aegis Communications Group as its President and CEO. He has also contributed to many companies including Bank of America, American Express and Pond’s in management roles. He is a serial entrepreneur who loves to build and invest in businesses that have a clear edge in the markets they choose to serve. He has completed B. Tech from IIT, Chennai and MBA from IIM, Calcutta. When he is not consumed by his business interests, Kannan likes working out, reading and enjoying his time with his family. He lives in Massachusetts, United States.

Dr. Joseph GeorgeNational Bank of FujairahHead of Information Systems & Technology

Dr Joseph George is currently working as Head of IT Information Systems and Technology of

National Bank of Fujairah. Prior to this, he was working in Commercial bank of Dubai as Head of IT Development, where he has been an instrumental driving force of the digital banking journey including the launch of first Facebook branch, intelligent virtual assistant, analytics, customer onboarding etc in the middle east region. He has nearly two decades of experience in the IT industry, Banking, research studies, consulting and IT development. Along with his professional experience, he earned his Bachelors in Computer Science, Diploma in Cyber Law, Masters in Computer management, MSc in psychology,  M.Phil with specialization in Software Project Management and his Doctorate in Software Project Management specialization from University of Pune.

Khaled Sherif, PhD Cequens Cofounder & Chairman of the Board

A seasoned entrepreneur and telecom executive, Khaled Sherif has been founding start-ups since

1997 after earning his PhD in Electronics from France’s University of Lille. His most recent role was Deputy to the Minister of Communications and Information Technology in Egypt from 2015 to 2016. Prior to the Ministry, Dr. Khaled spent 8 years at Mobily, where he last served as SEVP Corporate Transformation.

Eleni KitraFacebook Head of Financial Services MENA

Head of Financial Services and Automotive, Facebook for Middle East, N. Africa and Pakistan

Eleni has over 2 decades’ experience in strategic business management and marketing, joining Facebook in April 2013. She is a global leader in supporting women in Tech, and an active member of Digital Communication Industry associations. Mother of two, Digital Communicator at heart, Social media advocate, “always on” for family and friends

Mujtaba NaqviHBLGeneral Manager – Senior Regional Chief

Mujtaba Naqvi is a veteran banker with versatile experience in senior leadership roles ranging

from retail banking to payment products over a period of 22 years. His core area of expertise includes product innovation, delivering strategic growth and developing high-performance teams. Currently Mujtaba is Senior Regional Chief Lahore & Gujranwala Region at HBL, which is the largest bank in Pakistan. Prior to assuming this role, he was heading Global Branch Business Development at HBL, where he successfully managed a deposit portfolio of over Rs1 trillion, set up Wealth Management and Retail BIU functions. Previously he was involved in managing the fastest-growing credit cards and personal loan portfolios at HBL. Mujtaba has also managed the business portfolio for payment products at Union Bank Limited (later acquired by Standard Chartered Bank).

Hisham HammoudAjman BankChief Business OfficerWith a professional experience of over 23 years of in Financial Services Industry, Hisham Hammoud

has an outstanding portfolio of proven leadership in articulation & execution of business strategies, retail banking, operations, technology, risk management, business process re-engineering and profit & cost optimization. Being a certified Risk Management and Advanced Leadership Skills trainer by the state-of-the-art International Leadership Program – US, Mr. Hisham developed all the skills required to ensure his positive contributions and high impacts to enhance the performance of the business. Currently, Mr. Hisham is holding the position of Executive Vice President – Chief Business O�icer at Ajman Bank, previously he was holding leading positions at Network International, Dubai Bank, Citibank, Dubai Tadawul, Dubai Tadawul Brokerage, Al Tagdeer, Bank Islami Pakistan Limited

Day 2 Speakers:

Paolo Barbesino Digital Transformation Expert Paolo Barbesino is SVP, Head of Digital, at CEE Retail UniCredit Group. Based in Vienna, he crafts the digital strategy and customer experience for

one of the Systemically Important Financial Institutions in Central & Eastern Europe. Decoding and anticipating what consumers will do, he works at the crossroad where strategy, technology, and service design get together in order to bring to life digital products, services, and experiences for retail customers in the region. Having an entrepreneurial mindset and an experience in the TMT sector, he pushes regional retail banking innovation forward by achieving a factually based consensus across territories and cultures in a multi stakeholder ecosystem.

www.fleming.events

Giulio Segurini ARCA Market Discovery Financial Solutions

Giulio is a Market Research Specialist at ARCA who is focused on retail banking’s transition to

the digitalization of cash and financial services.   He founded two technology startups specializing in digital services, e-commerce, and mobile commerce.  He has an MS degree in Aerospace Engineering from Georgia Tech and an MS in Decision Making Science from Univeristà La Sapienza Rome, Italy.

Ilya A. Isakov RBtechnologies Chief Executive Officer

Experienced executive with 17+ years in IT, including managerial positions at big banks.

Prior to working at RBtechnologies Ilya was a Country Manager for Temenos in Kazakhstan Region. Headed and coordinated IT projects at UniCredit Bank Russia, Rai�eisenbank, Rosbank, Renault-Nissan Bank, Alfa-Bank, VTB, Commerzbank.

Adriana VizcarrondoMonami TechVP MarketingDigital Disruption Coach for large European banks & Author of “Channel Fusion Ecosystem Paradigm” for Retail Banks. Participated in

delivering the services to banking CIOs: supporting CIOs in the critical tasks of planning and controlling the IT function – through IT process and organization improvement, performance and cost management, definition and evaluation of IT sourcing options. Acted as an "Innovation Coach" for banking CIOs, CDOs, CMOs, CSOs, COOs, CEOs (jointly with the delivering team):•SWOTanalysisofacompany'ssituationinrelationtodisruptive

market forces •actionable advice on what to do, where to go and in what

technologies to invest

Ram Kevalur TCS Global Head – Banking Services, TCS Business Process ServicesRam is the Global Head of Commercial Banking

Business Process Services in TCS. In this role he is responsible for the overall growth, transformation and operational delivery aspects of the commercial banking BPS business. Ram has 20 years of experience in Banking and Financial services of which 17 years was spent with a large global bank in a variety of leadership roles across Operations, Technology, Client engagement as well as running mission critical transformation programs. Ram champions the Fit 4 Life, Purpose 4 Life and other CSR Initiatives and has a very strong focus on people. He is also an avid golfer. Ram holds a bachelors degree in Mathematics and a masters degree in Computer Science from the university of Pune, India.

Ali Alomran Arab National Bank Deputy General Manager – Technology ServicesAli Alomran is a technology and banking

executive with over 20 years of achievements in technology, banking, and investment. He brings wide banking knowledge and a distinguished record in delivering technical solutions for most banking services. In 1993, Ali started in Banque Saudi Fransi (alfransi.com.sa), where he did banking training, worked in Retail, headed IT development, and headed international brokerage front o�ice. In 2004, Ali moved to Arab National Bank (anb.com.sa) to lead designing and delivering IT solutions for all banking services. He is a member in several products, security, and technology executive committees.

Charles Lobo Network International Chief Operating OfficerCharles Lobo is Network International's Chief Operating O�icer (COO), heading Operations

and Delivery Management for the Group. Charles has over 18 years of experience in the areas of retail cards marketing, card operations, cards portfolio management, product management, projects and the merchant acquiring business. Prior to Network International he worked at Emirates NBD where he was the SVP heading the Operations, Service & Projects structure for the Retail Assets & Cards Business. Charles holds MS in Business Management from University of Maryland, College Park, US and an MBA in Business Management from IMI, Delhi. As the COO of NI, Charles’ responsibilities include developing and executing the operations and delivery management strategy across the NI Group.

Mark Stanley EYDirector, Financial Services Advisory, Africa, India & MiddleMark has over 10 years’ experience working with

banks in MENA and Europe to drive business performance and manage financial crime risk. Over the last three years, against a backdrop of Digital technology, he has conceptualized and led retail banking transformations, helping his clients to better understand their customers and then turn these insights into action faster.

Aladdin Al Deesi Mashreq BankRegional Head of Distribution and CEO of Mashreq Al Islami, Retail Banking Group

Aladdin is the CEO of Mashreq Al Islami, the Islamic Financial Services arm of Mashreq, and the Head of Distribution for Mashreq Bank. In this role, Aladdin is responsible to drive the Distribution strategy of Mashreq regionally leveraging the digital transformation, footprint expansion, and business development across all product lines of the retail bank. Prior to joining Mashreq, Aladdin worked in various senior leadership roles with Emirates NBD, the largest bank in the UAE, managing the biggest SME portfolio in the UAE through 10 Business Banking Centers across the UAE, manned by over 200 Sta� members. He also managed an Acquisitions team over 45 Relationship o�icers in charge of growing the liability book through sourcing new relationships by establishing strong partnerships with consultants, free-zones and other government departments, Aladdin was also the regional manager for New Dubai for Emirates NBD. Aladdin holds a Bachelor of Business Administration from American University of Beirut, has completed Executive Leadership Program by Harvard Business Publishing, Fast Forward Program by EISE Business School, Spain, and is a Certified Investment Consultant.

Ritesh Varma Newgen Software Technologies GM Consulting Practice (EMEA)

Ritesh Varma is the Head for Organisation Transformation Consulting Services for Europe, ME and Africa (EMEA) for Newgen Software. Over the last 17 years, Ritesh has been working with multiple BFSI players across the globe. Some of his recent accomplishments include coming with the concept of “Virtual Service Centers” for organisations. Currently he is working on the next generation Customer Experience Management which would improve the overall positioning of the organisation and in turn catapult it to the next level. He has travelled far and wide in the region and in his free time enjoys getting to appreciate the di�erent cultures that he comes across.

Zaid Kamhawi Qarar Chief Executive OfficerZaid is the CEO of Qarar, he drives the Qarar strategy and ensures that project teams receive the support

they need. Zaid has more than 15 years of experience in the financial services sector. Prior to Qarar Zaid worked on establishing the first credit information network in the UAE. Zaid has been recognized as a thought leader in the field of information reporting.

Alaa Al Mashhadi SIMAH Head of Business DevelopmentAlaa Al Mashhadi has over 13 years of banking experience maintaining a strong and up to date

synthesis of the industry through working in di�erent fields of corporate and retail banking. Alaa holds in depth knowledge in institutional banking, transactional banking, cash management, electronic solutions, liability business as well as big data analytics. Alaa started his career with the likes of SAMBA Financial Group and BNP Paribas covering compliance, sales, product management and operation activities under the transactional banking arena. Alaa then moved to work with AlRajhi Bank’s cash management and electronic solutions as the Country Sales Head before holding another key position as the Director of Government Banking. Alaa is currently the Head of Business Development at the Saudi Credit Bureau (SIMAH), managing the organization’s future growth & expansion within the B2B arena. Working with all types of industries, from Banking to Manufacturing, providing tools to reduce risk, enhance collections and increase sales and customer loyalty. Alaa has a BA in International Banking and Finance as well as an MBA from the University of She�ield, UK

Azim Alvi Al Awwal Bank Head of Consumer Credit Risk ManagementAzim Alvi has 20 years of extensive and diverse

experience in Consumer Credit Cycle Management across multiple geographies covering Asia Pacific, Europe and Middle East with Citibank and ANZ Grindlays Bank.    He was a Senior Credit O�icer (SCO) in Citibank and successfully managed stressed credit cycles while deploying e�ectively wide array of risk mitigation tools including cutting edge usage of credit bureau data in working out portfolio stress. Over the years, Azim worked as a Consumer Credit subject matter expert in various Regional roles across Citibank Retail franchises covering entire Credit Cycle Management.  Currently, he is the Head of Retail Risk Management for Alawal Bank (formerly Saudi Hollandi Bank) based out of Riyadh.

Sundar Parthasarathy Abu Dhabi Commercial BankExecutive Vice President- Head of New BusinessSundar has 20 years of experience in India and

UAE. His career started in Times of India and worked with several esteemed organizations such as Times Bank (merged with HDFC bank), Abn Amro bank, ICICI bank, Mashreq bank and now currently with Abu Dhabi Commercial Bank(ADCB). In his previous role, his multi-functional experience included  Branch Banking, product management, Sales channel management, event management, assets & mass a�luent business in ABN AMRO bank. Today, ADCB is one of the largest consumer assets franchisee in UAE and is respected by the competitors for two successful co-branded credit cards i.e. ETIHAD & LULU. He spearheaded the integration project of RBS UAE retail business as “Chief Integration o�icer”. The integration was completed smoothly within a span of 12 months from the date of take-over. Sundar has a graduate degree in commerce & MDBA from Symbiosis institute of management. He recently accomplished “Advanced Management Program” from Harvard University. He is based in Dubai with his wife Padma and two children – Abhishek and Aishwarya.

Sudhesh GiriyanXpress MoneyChief Operating Officer

Collaboration, not conquest is the way to alter the status quo in the remittance Industry. With

this ideology Mr. Sudhesh Giriyan, the Chief Operating O�icer of Xpress Money has transformed brand Xpress Money into one of the world’s most dependable money transfer brands, in a short span of just 17 years. A veteran in the world of finance and remittance, Mr. Giriyan has ensured a rampant growth, establishing Xpress Money’s presence in 160 countries through 180, 000 agent locations. Very recently, he has taken up an additional role of spearheading the group’s digital business globally and believes that it is indeed the opportune time to delve into the online sphere of the business. Mr. Giriyan holds a Master’s in Business Administration from the prestigious Indian Institute of Management, Bangalore (IIM-B) and a degree in Mechanical Engineering from Karnataka.

S. Sundararajani-exceed Technology SolutionsExecutive Director

Mr. S Sundararajan is the Executive Director at i-exceed Technology Solutions. Sundar has more

than 25 years of experience in IT industry, primarily focused on Banking and Financial Services. His strong customer focus and clear business understanding provides the thought leadership required to steer the development of i-exceed’s product o�erings. Sundar has worked with customers all over the world, and possesses the knowledge and a deep understanding of each market’s specific needs and critical success factors. He also boasts an impeccable project execution track record and is held in high regard by all his customers, partners and team members. Sundar served as Senior Vice President Global Customer Fulfilment for FLEXCUBE at Oracle Financial Services Software (formerly known as i-flex solutions) for over 20 years. He has also served as a director on the board of Oracle Financial Services Software SA, Athens, Greece and at Login SA, Paris, France. He holds a M. Sc. in Applied Mathematics from Anna University, Chennai.

Nimmer KhokharMonami TechChief Operating Officer

Before joining the Monami Tech team, Nimmer was a financial consultant for Israa Capital

focusing on projects. He graduated from the University of British Colombia with a Bachelor degree in Sociology with a specialization in Urban Studies. While there, he co-founded Kalama Collective, an organization focused on promoting cultural arts, music and performances to the Vancouver community.

Adriana VizcarrondoMonami TechVP Marketing

Adriana worked for 5 years at National Oil well Varco, one of the largest Oil & Gas equipment

suppliers globally based out of the US in areas of business development, inventory management, and analytics. After deciding to make an industry change, she has joined Monami Tech with a newly sparked passion for innovation and financial technology. She graduated with a Business Management and Economics degree from Tusculum College, USA.

Tamás Erni Loxon Managing Partner

Tamás graduated from finance on the Budapest University of Economic Sciences. He started his

career by Rai�eisen Bank Hungary in 1999. Later he worked for Ecostat Institut at the Hungarian Statistical O�ice in developing macroeconomic forecasting models. He has moved to Loxon in 2001 and became responsible to build up the business consulting team of Loxon and manage several projects in transforming bank’s lending operations and risk management procedures (collateral management, rating/scoring, lending systems and Basel II preparation projects throughout the EMEA region), contributing to Loxon becoming the market leader in the CEE region’s risk management and lending software market. Tamás has collected a wide range of experience in several markets in a number of countries working as principal consultant on several occasions. Based on this experience he was nominated to the position of partner in 2005 and is responsible for product development strategy and leading the sales and business development team of Loxon.

Farshad NowshadiSaman Bank CorporationVice President – eStrategy and TechnologyWith over 25 years of practical experience in

Finance and Technology, Farshad is VP of Technological strategy at Saman Bank for 10 years, which today is one of the largest Banks in the Middle East with 4 Million customers, 250+ Branches and over 250,000 POS merchants. Farshad has helped the bank and its many technological sub-companies to significantly grow in value - the Bank went from a $10 Million company to a Multi-Billion $ Company. Farshad can advise and support Internet Start-ups especially in areas of Financial Services, eCommerce, Mobile Payment solutions and CRM systems. Currently part of the Investment/Mentoring program at Lever 39 Canary Warf, one of Europe largest Fin/Tech start-up community and involved in some of the largest VC Tech and Accelerates in Europe, US and Iran. Furthermore, Farshad is the Author of a number of internationally-selling books on technology in the financial world and an Intentional Speaker on Technology and Finance. He has an M. Phil(Computing) from Sussex(UK) University.

Manish ShahKotak Mahindra Bank LimitedVice President – Internet / Mobile & Social media platformManish V Shah is currently spearheading

initiatives for digital platforms (Mobile, Online and Social Banking) at Kotak Mahindra Bank, India. He has around 20 years of experience in digital and financial services and has worked in past with GE, ICICI Prudential Life Insurance plus a couple of startups. For last 5 years, Manish has been driving Kotak Mahindra’s digital strategy around creating superlative customer experience, driving digital engagement and creating digital-only and digital-first framework.

Pankaj KundraMashreq BankHead of Personal Banking, Cards & Payments

Pankaj Kundra is the Regional Head of Payments at Mashreq UAE. In this role, he has overall P&L responsibility Mashreq’s Payments Business including Consumer Credit Cards, Commercial Cards, Debit Cards and the Merchant Acquiring business. He is also responsible for driving all Innovation-linked initiatives for the Payments business. Pankaj has 17 years of banking experience across various countries. He holds an M.B.A. from the University Of Chicago, Booth School of Business. Prior to joining Mashreq Dubai, Pankaj was the Head of Retail Banking at Mashreq Egypt, where he led the turnaround of the retail bank from a loss-making to a profitable business franchise through increasing the revenue streams in a consistent and sustainable way. The main pillars of growth that he built for Mashreq Egypt were Cards, Personal Loans, Liabilities, SME and Mashreq Gold Business.

Abhijit Singh ICICI BankCIOAbhijit Singh heads the Retail Technology Group at ICICI Bank. He is responsible for provision of

technology services to Retail Bank, rural and inclusive banking, SME and mid – corporate segments. He has over 15 years of experience covering a variety of roles in various industries in multi-cultural setup at local, regional and global levels. He is experienced in managing large scale IT transformational projects across Retail & Commercial Banking, GTS, Private Banking and Global Markets. He is experienced in setting up and management of IT Captive organization servicing 50+ countries across all the continents providing technology development, production support and project delivery services. He is also experienced in setting up CoE for managing large scale Core banking implementations and post implementation support. Prior to ICICI Bank, Abhijit has held IT leadership roles for RBS, ANZ, ABN Amro Bank, NSE IT and Mahindra & Mahindra. Abhijit is an MBA in Finance from Jamnalal Bajaj Institute of Management Studies, Mumbai, India and holds a Bachelor’s degree in Engineering from University of Mumbai, India

Padikkal SuchithranTCS BPS, Middle East & AfricaRegional HeadSuchithran with TCS for over 20 years is currently managing its Business Process Services business

for Middle East and Africa region. In TCS, he has performed various roles in Sales, Presales & Solutions, Large Account Management and Business Consulting functions across mature markets and emerging markets. In his earlier capacity as the Head of Telecom and Retail BPS domain cluster, he was responsible and accountable for formulating the growth strategies for respective verticals across the globe using 3 key themes of Customer Experience, Data Analysis & Insights and Back O�ice Simplification. Prior to joining BPS unit he carried out the responsibilities of a Regional Manager and Head of TCS Delivery Center – Yokohama, Japan for over 3 years managing both MNC clients as well as core Japanese clients. Suchithran, a post graduate in Engineering from the prestigious Indian Institute of Technology (Madras) and recognized as the Tata Group’ Emerging Leader is a certified Tata Business Excellence Model assessor and Six Sigma Champion.

www.fleming.events

Meet Our Sponsors:

Strategic Chatbot PartnerRBtechnologies:-  4 Facts  1) Knowledge of a financial sector “from the inside”: employees of the Company are former R&D  Directors, Risk-O�icers, CIOs, IT Architects, Treasurers, Chief Accountants, top programmers of the world`s biggest banks. 2) Founded in 2009 by top-managers of the biggest East-European Banks and leading international banking audit & consulting firms (PwC, E&Y). 3) O�ices and development centers are located in Hong-Kong, Moscow, Saint-Petersburg. In 2017 o�ices open in Dubai and Singapore.

4) Among our Clients are the biggest banks and financial groups in the world: Deutsche Bank, Commerzbank, VTB Group, Alfa Group, UniCredit Bank (Russia), Société Générale (Russia), Renault-Nissan Bank, Intesa Sanpaolo. RBtechnologies:-  7 Areas of Potential Value for Your BankIslamic Banking Automation: Transformation Layer. Chatbots. RBdashboards: visual reporting for top management of the Bank. Risks: Implementation & Support. Treasury: Misys FusionCapital Implementation & Support. DWH: Implementation and Support. Banking applications: mobile, web, desktop.

Strategic Speaker Lounge PartnersSIMAH, the Saudi Credit Bureau, is the first licensed Credit Bureau o�ering full, positive consumer and commercial information services to members in the Kingdom of Saudi Arabia. It is licensed and regulated by Saudi Arabian Monetary Agency (SAMA). Acting as an o�icial source of credit reports for companies and individuals, SIMAH operates to remove uncertainty in credit and business transactions, thereby actively contributing to the stability and development of the Saudi economy. Our members represent all sectors of the economy: Banks, Non-Banking Financial Institutions, Utilities, Telecoms, Insurance Companies, Private

Business (Education, Healthcare, Car Rental, Manpower, Industry, Manufacturing, to name but a few).

Qarar is the regions leading Decision Analytics company, specialized in o�ering consulting, decision analytics and technology to deliver tailor-made customer management and process automation solutions.Headquartered in Dubai, serving customers across the Middle East and North Africa, Qarar, helps its clients solve business challenges and achieve sustainable business outcomes. We achieve this across the customer lifecycle by employing the right mix of predictive analytics, market experience based advisory and decision technologies. Our experienced team of Business Consultants, Data Scientists and Software Engineers

provide you with the best guidance and optimal decisioning technologies, enabling your organization to leverage your data to capture latent revenue opportunity. In e�ect, we will set you on course to become an organization where decisions are driven by data and actions are optimized for the greatest return using predictive analytics. Qarar is a fully owned subsidiary of SIMAH.

Strategic Communications Partner Cequens is the largest Communication Platform in the Middle East and Africa (MEA) o�ering banks and financial institutions solutions for customer engagement and communication, identity and number authentication, and transaction verification over multiple channels including SMS and voice calls. Our proprietary Communication Platform is PCI/DSS compliant, o�ers the industry’s lowest latency and highest throughput, and handles billions of SMS and transactions annually. Backed by a massive partner network of mobile operators our coverage includes 150+ direct MEA operator connections and extends our quality reach to over 1 Billion mobile

subscribers in the region. Cequens is a GSMA Associate Member, ISO 9001:2008 certified, and serves customers hailing from 100+ countries through o�ices in Egypt, Saudi Arabia, UAE, UK, the Netherlands, Malta, and the United States.

www.fleming.events

Meet Our Sponsors:

Gold Sponsor

Newgen Software Technologies Ltd. – is a leading global provider of Business Process Management(BPM), Enterprise Content Management(ECM), Customer Communication Management(CCM) and Case Management with a global footprint of 1300+ installations in over 61 countries with large, mission-critical solutions deployed at the world’s leading banks, insurance firms, BPO’s, healthcare organizations, government, telecom companies & shared service centres.Newgen’s Quality Systems are certified against ISO 9001:2008 and Information Security Standard, ISO 27001:2013. Newgen has been assessed at CMMi Level3.For more information, visit: www.newgensoft.com

Executive Boardroom Briefing

Temenos, Founded in 1993 and listed on the Swiss Stock Exchange (SIX: TEMN), Temenos Group AG is the market leading provider of banking software systems to retail, corporate, universal, private, Islamic, microfinance and community banks, wealth managers, and other financial institutions. Headquartered in Geneva with 59 o�ices worldwide, Temenos software is proven in over 1,600 customer deployments in more than 150 countries across the world. Temenos’ products provide advanced technology and rich functionality, incorporating best practice processes that leverage Temenos’ expertise around the globe. Temenos customers are proven to be more profitable than their peers: in the period 2008-2012, Temenos customers enjoyed on average a 32% higher return on assets, a 42% higher return on equity and an 8.1% lower cost/income ratio than banks running legacy applications.

Silver Sponsors

Simon- Kucher & Partners is a global consulting firm specializing in TopLine Power®, which encompasses strategy, marketing, pricing, and sales. Founded in 1985, the company now has 930 professionals in 33 o�ices worldwide. Our global banking practice has advised banks of all sizes, from single-branch community banks to the world’s largest banking institutions. Simon-Kucher & Partners serves banks and financial institutions in the MENA region from our local o�ice in Dubai.

ARCA’s solutions help people control and streamline cash operations in financial institutions, retail stores, and self-service kiosks around the world. Our overriding drive is to develop technology and services that make transactions simpler, more e�icient, and more secure. Visit us at www.arca.com to see how we are reimagining everyday transactions-freeing people to focus on what matters most.

Digital Transformation Sponsor

Tata Consultancy Services (TCS) helps enterprises operating in an ever changing digital and disruptive world, to drive growth and stay relevant to their customers. TCS’ Business Operations include core industry-specific processes, analytics and insights, and enterprise services. Our cross-industry based solutions lead to faster value identification and realization. We design, enable, and execute processes aimed at helping clients become a real-time digital enterprise and enhancing stakeholder value. Our Banking and Financial Services Business Operations provide an ecosystem conducive to technology transformation. We o�er a host of AML and fraud control solutions to minimize operational risks and manage data security. Our flexible, scalable, and convenient engagement models, coupled with TCS’ ValueBPS ™ approach, help banks achieve operational excellence and business transformation. For more information about TCS’ Business Operations Unit, visit: https://www.tcs.com/business-operations. Email: bps.connect@tcs.com

Meet Our Sponsors:

Associate Sponsors

Loxon Solutions (Loxon) – founded in 2000 – is a software company o�ering integrated lending and risk management business applications for covering the entire lifecycle of the lending products and risk management for the financial services industry. The company is headquartered in Europe and it is present in CEE, CIS and MEA regions with several subsidiaries and above 50 tier 1 and tier 2 banks as reference customers. Regional HO in the Middle East is in Dubai. The core value of Loxon is the strong capability of business and technology innovation in the fields of retail and corporate lending, collateral management, rating/scoring, collection, early warning and portfolio based riskmanagement including Basel III calculations, keeping the company continuously a step ahead of competitors. Understanding banking business and risks gives the unique capabilities of Loxon among software vendors and enables. Loxon to o�er market leading solutions.

Vayana is a niche player in providing Omnichannel Solutions for the Banking and Financial Services industry. Vayana with its flagship “SolutionNET – Channel Re-imagined” Platform, o�ers innovative channel solutions that enable Banks (Retail, Corporate & SME) and Financial Institutions to engage with its customers and deliver omnichannel customer experience. Vayana products are built with the focus on enabling our clients to grow their revenues and improve financial performance while enriching their customer’s experience.

Xpress Money is one of the fastest growing money transfer brands in the world with a thriving presence in every continent. Established in 1999 in the United Kingdom, the brand has grown by leaps and bounds and has spread its geographical presence across 160 countries over the last 16 years. Working with some of the largest banks and non-banking financial companies, Xpress Money has established one of the largest remittance networks in the industry. Present across 180,000 agent locations currently, Xpress Money is focused on rapid expansion to the far corners of the globe. Xpress Money provides its customers a simple, fast & safe way to transfer money anywhere in the world through innovative technology, superior customer service and its extensive global network. For more information, visit www.xpressmoney.com

Backbase delivers Bank 2.0 Portal software that provides a new, user experience layer on top of underlying infrastructure and IT systems. It gives financials the opportunity to create interactions that link customers to relevant information and applications to fit their needs and preferences. With its modern, widget-based architecture Backbase Bank 2.0 Portal provides the flexibility and speed to create modern portals that truly empower the customer. Unlike most traditional IT portal vendors, Backbase has created a contemporary, business-driven portal solution that makes portal management easy for e-business professionals. This means faster time to market and more flexibility to optimize online channels with less IT support. The unique Backbase approach enables financials to drive self-service, fuel online revenues and turn their online banking channel into a true Customer Engagement Platform. Global financials such as ABN Amro, AIG, Al Rajhi Bank, Bank of America, Barclays, ING, UBS and Visa have improved their online customer interactions and maximized online customer experience, retention and conversion, by leveraging Backbase’s Bank 2.0 technology. Backbase was founded in 2003 and is privately funded with operations in New York, Amsterdam, London, Moscow and Singapore.

www.fleming.events

Meet Our Sponsors:

Bronze Sponsor

Finacle is the industry-leading universal banking solution from EdgeVerve Systems, a wholly owned subsidiary of Infosys. The solution helps financial institutions develop deeper connections with stakeholders, power continuous innovation and accelerate growth in the digital world. Today, Finacle is the choice of banks across 94 countries and serves over 848 million customers – estimated to be nearly 16.5 percent of the world’s adult banked population. Finacle solutions address the core banking, e-banking, mobile banking, CRM, payments, treasury, origination, liquidity management, Islamic banking, wealth management, and analytics needs of financial institutions worldwide. Assessment of the top 1000 world banks reveals that banks powered by Finacle enjoy 50 percent higher returns on assets, 30 percent higher returns on capital, and 8.1 percent points lesser costs to income than others.

Networking Partner

Since being founded in 1998 VeriPark has gone on to become a leading global software company enabling financial institutions to deliver world class customer journeys in digital and assisted channels. VeriPark’s digital innovations and consultancy services are transforming business worldwide for banks, credit unions, insurance companies, pension funds, brokerage and wealth and investment firms. Operating in many countries worldwide, VeriPark has its main o�ices in the UK, Europe and the Middle-East.

Exhibitors

Finesse, a ‘Red Herring Global Top 100 System Integration company’ & winner of several accolades and awards, is at the forefront in providing innovative technology solutions and process outsourcing services to some of the world’s leading Banks and Financial Institutions. Finesse o�ers solutions & services in the areas of Business Intelligence, Enterprise Content Management, Governance, Risk & Compliance and Corporate Performance Management apart from many other software applications. We also have introduces a few innovative solutions into our portfolio including the Currency Sterilizer and Robotic Wet Signature (Remote Signature). Finesse’s portfolio of banking solutions include for Core banking, Retail, Treasury, Trade finance, Real time Fraud Management, Customer Relationship Management, etc.

CloudCherry is the definitive real-time, omni-channel, end-to-end Voice of Customer platform that helps customer-facing brands track, measure & improve Customer Experience – thereby increasing Profitability and Customer Loyalty. The customizable and powerful SaaS platform helps several leading brands in Retail, E-commerce, Banking, Insurance, Hospitality, Healthcare, Aviation and more track measurable metrics like their Net Promoter Score & Customer Delight Score, capture key customer feedback from 17 channels (& counting), derive actionable Insights to understand & enhance Customer Experience, and to manage issues in real-time, as they happen, wherever they happen. CloudCherry is a part of Customer Analytics Technologies Inc. based in Pleasanton, CA and has a global presence with o�ices in Singapore & India. The company is backed by Vertex Ventures, IDG Ventures India, CISCO Investments, The Chennai Angels & Capillary Technologies.

SoftwareGroup is a global technology company that is specialized in delivery channel and integration solutions for all institutions that provide financial services. Founded in 2009 and headquartered in Sofia, Bulgaria, it currently serves a worldwide client base in more than 65 countries from 9 regional o�ices located in Australia, Bulgaria, Egypt, Ghana, India, Kenya, Mexico, the Philippines and the USA. The company’s vision is to accelerate financial inclusion by creating cutting-edge technology solutions. Some of Software Group’s customers are organizations such as Bill & Melinda Gates Foundation, International Finance Corporation (IFC), Asian Development Bank, Asian Confederation of Credit Unions (ACCU), Financial Sector Deepening (FSD),7 of the top 10 Microfinance networks (Finca, OI, VFI, Accion, Hope International, Microcred, ReAll), Bank South Pacific, National Bank of Vanuatu, Fullerton Financial Services Holding, Fidelity Bank Ghana, LAPO Nigeria, Access Holding, Grameen Koota Financial Services etc.

Meet our Fintech Partners:

Fintech Partners

Strands is the FinTech partner for banks. With the mission of delivering best-in-class digital money management software (PFM, BFM), Strands leverages more than 10 years of expertise in Big Data and machine learning. Today Strands powers FinTech innovation in over 450 banks and serves more than 100 million banking customers worldwide. Among their clients are Barclays, BBVA, Bank of Montreal, BNP Paribas, Deutsche Bank, Israel Discount Bank, Abu Dhabi Commercial Bank, Commercial Bank of Africa.

Now Money :The GCC remits over $100bn annually. More than half is sent by the low-income migrant workforce, predominantly Indians, Pakistanis, Filipinos and Bangladeshis. These workers endure tough conditions but do not meet GCC banks’ minimum salary levels, excluding them from the financial system. 98% have smartphones but they are still limited to physical exchange houses, typically charging them 10%+ for the remittances they make to their families. NOW Money uses mobile banking technology to provide convenient accounts and low-cost remittance to these workers, o�ering them financial inclusion and substantial savings, and profitably capturing minimum 10% of the GCC remittance market by 2020. Working with corporates allows us to open accounts en masse and for salaries to be paid directly into users’ accounts.

Monami Tech is focused on aiding the transition of the banking industry into the digital era by providing advanced technologies from the back o�ice to the user interface. With a wide range of technology and services, including loan origination systems, cash management solutions, remittance processing systems and digital wallets, Monami Tech builds e�iciency and streamlines operations.

Loyyal is a Global network that leverages Blockchain and Smart Contract for loyalty / rewards / behavior incentification, providing real-time interoperability, branded coalition capabilities, liability management tools and Dynamic issuance and redemption options

Deloitte provides audit, consulting, financial advisory, risk management, tax and related services to public and private clients spanning multiple industries. With a globally connected network of member firms in more than 150 countries and territories, Deloitte brings world-class capabilities and high-quality service to clients, delivering the insights they need to address their most complex business challenges. Deloitte’s more than 225,000 professionals are committed to making an impact that matters.

i-exceed technology solutions is a fast growing Fintech company founded in 2011 with primary focus on the financial services industry. It is headquartered in Bangalore with established regional entities in Singapore and New Jersey. Appzillon, i-exceed’s flagship product consists of Appzillon Digital Banking and Appzillon Development Platform. Appzillon Digital Banking is a one stop solution that makes the best use of what technology has to o�er to create delightful banking experiences. The solution is a suite of pre-built omni-channel banking applications designed for self-service and assisted usage while addressing the needs of a customers, sta�, and agents. The applications are feature rich, secure and form factor independent. Appzillon Digital Banking leverages the company’s extensive experience in the banking industry and brings in a level of intuitiveness that enables banks to o�er unparalleled user engagement. The solutions address the Business to Consumer (B2C), Business to Business (B2B), and Business to Enterprise (B2E) segments.Appzillon Development Platform, which is used to build Appzillon Digital Banking, enables rapid delivery of applications using an automated screen generation, service definition, and integration process. This greatly reduces the time and e�ort involved in taking a new app to the market. i-exceed continuously invests in R&D to add functionalities in the areas such as DevOps, app life cycle management, and chatbots. i-exceed has a clientele of over 50 customers, that include four tier 1 global financial institutions. 

Meet Our Media Partners:

Supporting Associations

EFMA: A global non-profit organisation, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. O�ices in London, Brussels, Barcelona, Stockholm, Bratislava, Dubai, Mumbai and Singapore. Learn more www.efma.com

Official Arabic Newspaper

“Alroeya” Newspaper was founded on the vision, that professionalism is the key to success in the fast-developing media landscape in UAE and the region alike, and from a deep conviction that any media-related project must bring knowledge to the reader and be a positive influence in society – one that implements the highest standards in both form and content. Since its inception in Dec.02,2012 Alroeya always aspires to meet the reader’s need for a professional, credible and independent publication that tackles and appreciates the issues relevant to their lives. At the time, the newspaper was also aware of the telecom revolution sweeping across the nation, which greatly transformed the media industry.

Regional Media Partner

Forbes Middle East is the licensed Middle Eastern version to the world renowned Forbes magazine and extends the Forbes brand of journalism across the MENA region. Forbes Middle East’s distinctive editorial style attracts a readership community of Billionaires, Powerful Arab Men and Women, Entrepreneurs, C-Level executives, government o�icials and investors united by a belief in the spirit of free enterprise and entrepreneurial values. Across the region, Forbes Middle East is setting the pace for preemptive business journalism. By uncovering trends and anticipating opportunities in the regional marketplace, each monthly issue, brings top executives the information critical to their success – in both Arabic & English language editions. Forbes Middle East is the guiding compass for investments and best practices in the Arab region. The magazine researches and publishes original and relevant Lists/Rankings, based on the criteria of neutrality, authenticity, commitment to the methodology of scientific research and the quality of standards set globally by Forbes Media, US.

Media Partners

Banking Technology is the definitive source of news and analysis of  the global fintech sector. We are the go-to, trusted resource for financial services and banking technology buyers, sellers, developers, integrators, regulators and other specialists across the sector, big and small. Our reputation has been earned over the years through our understanding of the industry, investigative journalism and independence. Our website o�ers daily news and commentary on all things fintech. Our iconic monthly Banking Technology Magazine – in circulation for over three decades – provides in-depth research of the industry’s developments and trends. It is available in print and digital. Our annual awards show, Banking Technology Awards, recognises excellence in the use of IT in banking and financial services, strive for innovation, and professional contribution to the industry’s betterment.

Global Banking & Finance Review is one of the world’s leading online and Print Magazine covering Global News, Videos, Analysis, Opinion, Reviews and Interviews from the world of Banking, Finance, Wealth Management, Trading, Business, Technology and much more. Read in over 200 di�erent countries and ranked below 20,000 globally by Alexa across millions of websites.

Banker S.A. is the o�icial publication of the Banking Association of South Africa. The purpose of Banker S.A. is a communication tool for decision makers in the banking industry. The publication aims to act as a communication tool that will keep members up to date with new developments, innovative products, and the latest services and technologies that are of relevance to the banking industry. The core focus of this industry leading publication is the business of banking, incorporating the Financial Service Sector. Published quarterly in March, June, September and December.

www.fleming.events

Payments & Cards Network: As the Payments & Cards world a�ects nearly everyone, the landscape is ever changing, thus, the need for a recruitment agency specifically focused on the Payments & Cards domain became extremely relevant and necessary. The Payments & Cards Network has been the internationally recognised recruitment partner for permanent and interim placements within the Payments, Cards, eCommerce and mCommerce industries but it was not the only focus for the company. The Payments & Cards Network is a recruitment agency dedicated to serving the thriving Payments & eCommerce market. Should your company be looking for Business Developers, Account Managers, Relationship Managers, Product Managers, IT Professionals or Head of Payments with a solid merchant network and/ or experience in specific vertical markets, get in touch today! We cover all aspects and disciplines of the industry on a global scale and can help you save time and money by selecting the right people, at the right time, in the right place. Call us with your specific needs today on +31 20 3030 257 and one of our consultants will be able to help quickly and e�iciently.

Business Islamica is the first monthly magazine in the UAE that specifically covers all aspects of Islamic business and finance both regionally and internationally. Based in the Dubai International Finance Centre (DIFC) – an emerging hub for those investing along Shariah principles – the magazine’s objective is to spearhead awareness initiatives, heighten knowledge of its core principles and practices and feature the latest developments in this industry.

Alborsa is an Egypt- based daily newspaper that aims to present a diversified media coverage for local and regional economic and financial activities. Alborsa is the essential daily business intelligence partner for leading business professionals and investors. We are the leading national voice that connects advertisers to the business and finance community of influencers, leaders, policy makers, professionals, entrepreneurs and investors, keeping them constantly engaged via the newspaper, website, app and events.

TRENDS is the leading magazine on Arab a�airs in the Mena region. The magazine provides business leaders with critical insight and indepth analysis of issues and developments in the Middle East, while forming opinions on business, social, political and economic matters. Delivering sterling information and analysis on the region for more than 15 years, Trends has established itself as the premier source for Arab a�airs.

Daily News Egypt is a completely independent news provider for Egypt and the wider MENA region. Working with local Arabic sources we provide the English speaking world with an insight into breaking news, in print and online every day of the week. We aim to build our reputation for honest and reliable reporting, to make us a point of reference on Egyptian current a�airs for readers all over the world. Business Media Group for press, publishing and Distribution Company ,BMG , obtained the rights to the Daily News Egypt in May 2012, in order to reinvest in paper and return it to pinnacle of English language news publishing in Egypt. We provide news articles on politics, business, opinion, tourism articles and interviews. Our team of journalists, editors, photographers and designers are all committed to a high standard of impartial journalism.

EmailCiti is the MENA world’s leader in email and content marketing solutions. Using a simple and ethical approach, we attract, acquire and engage users with a clearly defined target audience to help customers e�ectively market themselves. With a database of more than 20 million profiled users, and services ranging from tailor-made newsletters to data management, EmailCiti o�ers cutting-edge data and content marketing strategies for its clients.

City News International is the World’s preeminent 24-hour English language business, economics, technology and finance to travel, fashion and lifestyle pursuits online news, presenting in-depth & up-to-the- 24 hours, 7 days a week to bring accurate and up to the minute news coverage of international a�airs to its reader. City News International brings you real-time information to the most influential, powerful and a�luent audience in the around the world.

Dinar TV utilizes research, analysis and expert specialists from guests and professional employees, and from its location in the city of Dubai, aims to promote Islamic Economics, and aims to contribute to the deepening of relations between all who contribute to the development of Islamic Economics as one of the most important solutions to economic problems. To this end, Dinar TV works e�ectively to deliver accurate information and correct analysis of neutral and expert opinions related to the Islamic Economy in order to contribute to creating the appropriate solutions to this important Sector.

Meet Our Media Partners:

North Africa Future BankingForum 201724 & 25 October 2017, Cairo, Egypt

The Bankers’Customer Experience Summit24 - 26 September 2017 | Dubai, UAE

East AfricaFuture BankingSummit19 – 20 June, 2017 | Nairobi, Kenya

ww

w.fl

emin

g.ev

ents

For conference agenda and more information contact mohor.mukherjee@fleming.events or call us on +971 4609 1570

Fleming.’s Finance Series MENA Region

2nd Annual

1st Edition

2nd Annual

Blockchain Summit Dubai

Blockchain is more than a technology. It’s a strategy.Blockchain is transforming industry operating models. Meet the FinTech game changer. Register today.

September 2017

ww

w.fl

emin

g.ev

ents

For conference agenda and more information contact mohor.mukherjee@fleming.events or call us on +971 4609 1570

Our Upcoming Launch Events in Dubai

One size does not fit all.The Middle East’s only event tailored for corporate banking.

Middle East Corporate Bankers Forum 201711-12 September 2017, Dubai