Day One


8:00 am - 8:20 am Registration & Refreshments

8:20 am - 8:30 am Opening Remarks - WELCOME TO THE 15TH CX BFSI EXCHANGE UK!

Rose St Louis - Customer-Focused, Industry Expert
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Rose St Louis

Customer-Focused
Industry Expert

As financial services accelerate digitalisation, many organisations are increasingly delivering self-serve journey efficiency - but not always deeper connection. Customers don’t experience life in linear paths, and neither do their financial needs. From moments where speed and self-service matter
most, to moments that are complex, emotional or deeply personal, digital experiences need to flex with both context and channel.

This panel explores how leading organisations are operationalising customer connection, using real customer interactions to continuously shape product design and service models. Learn the why and how behind new responsive and empathetic digital experiences and how connection can be designed
into systems, not left to chance.
• Learn how to design digital experiences that adapt to customer context to meet customers where they are.
• Uncover when speed, automation and self‑service truly add value, and when human support is the better choice.
• Be able to embed empathy at scale into digital product and service design.
• Take away practical methods for turning real customer interactions into insights that drive continuous improvement.
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Rose St Louis

Customer-Focused
Industry Expert

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Karen Tiltman

General Manager of UK Operations
Monzo

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Danielle Battleson-Porterfield

Executive Director - Customer Experience
JPMorgan Chase & Co.

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Rebecca Brindley

Head of Digital Accessibility
NatWest

9:00 am - 9:30 am KEYNOTE PRESENTATION:Innovation Under Attack: Inside the Minds of Cyber-Criminals & Unconventional Ways to Develop Smarter Defences

Fergus Hay - Founder, Chief Executive Officer, The Hacking Games

Cybercrime is projected to cost the global economy £12 trillion this year and the threat landscape facing financial services is escalating faster than ever. Despite cybersecurity being identified as a critical growth industry, the sector faces a severe talent gap, with millions of cyber roles unfilled globally.

For BFSI leaders, the challenge is twofold: strengthening defences against increasingly sophisticated attacks while continuing to deliver seamless, trusted customer experiences. Drawing on real-world incidents and emerging approaches, this session explores how organisations can rethink cyber resilience, talent and strategy without compromising CX.

• How the cybercrime threat landscape in BFSI is evolving and where institutions remain most exposed

• What understanding hacker behaviour and attacker psychology can reveal about strengthening defences

• How to protect customers and sensitive data without introducing friction or damaging trust

• New and innovative approaches to cyber-risk mitigation, skills development and talent pipelines

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Fergus Hay

Founder, Chief Executive Officer
The Hacking Games

9:30 am - 10:00 am EVENT PARTNER PRESENTATION - Streamlining Customer Journeys with AI Agents

Suveer Kothari - Head of Europe, Sierra
Rohan Basu - Global Head of Operations, Wise
• The strategic drivers behind introducing AI agents into the customer journey
• How to define the right proof of concept and prioritise high-impact use cases
• Key considerations when selecting technology partners and building the right ecosystem
• Lessons learned navigating validation, stakeholder buy-in and deployment challenges
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Suveer Kothari

Head of Europe
Sierra

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Rohan Basu

Global Head of Operations
Wise

10:05 am - 10:35 am THINK TANK - From Data to Decisions: CX That Moves at Customer Speed
Mark Krebs - Vice President of Global Sales, Celebrus

In financial services, trust is built - or lost - in seconds. Yet most marketing teams still rely on lagging data to optimize journeys that have already ended. This session explores how real-time behavioral intelligence enables marketers to identify intent as it happens, remove friction in high-value journeys, and convert engagement into measurable growth - without compromising trust or compliance.

• Learn how real-time behavioral intelligence helps teams reduce friction, prevent drop-off, and build trust at scale:

• Why delayed insight causes missed conversion moments in critical BFSI journeys

• Moving from campaign optimization to in-journey marketing decisions

• Real-world examples of BFSI brands increasing conversion, retention, and lifetime value by acting at customer speed

The fastest-growing financial brands aren’t guessing what customers want next - they’re responding while it still matters.

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Mark Krebs

Vice President of Global Sales
Celebrus

10:40 am - 11:10 am Networking

11:15 am - 11:45 am THINK TANK - The ROI Gap in Modern CX: Turning Spend into Business Proof
Suzi Bentley-Tanner - Partner, Gate One Consulting

AI, data and personalisation promise step-change improvements in customer experience, yet many CX leaders still struggle to answer the board’s simplest question: what has this actually changed?

This think tank explores why traditional CX ROI models break down, and how leading organisations are reframing ROI around decisions, behaviours and trust, not just metrics and dashboards.Through peer discussion, we’llidentify practical ways CX leaders can connect investment to outcomes that resonate at board level.

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Suzi Bentley-Tanner

Partner
Gate One Consulting

10:05 am - 10:35 am One-To-One Business Meetings & Networking

10:40 am - 11:10 am One-To-One Business Meetings

11:15 am - 11:45 am One-To-One Business Meetings & Networking

11:50 am - 12:20 pm KEYNOTE CASE STUDY PRESENTATION - Applying AI in Operations to Redefine CX Beyond the Contact Center

Rohan Basu - Global Head of Operations, Wise

Customer experience in financial services is shaped as much by back-office operations processes as by frontline support, with smooth onboarding, effective KYC, financial crime prevention, and seamless payments just as high on customer priority lists. To deliver on these expectations at scale, learn how Wise - serving 15 million + customers globally - shows how AI can copilot with financial crime teams, payment flows, onboarding & KYC - as well as bring exceptional customer contact experiences - and bring operational efficiency while protecting customer trust. The trade off between cost, quality, and speed is no longer a trade off - you can have your cake and eat it too.

Uncover the measurable impact AI can have and walk away with practical insights on embedding it responsibly as this case study explores:

• Applying AI in financial crime, fraud, KYC and customer support and identify subtle, complex patterns to detect fraud faster, more proactively and with greater accuracy
• Thinking behind balancing opportunity and risk by identifying when AI should be deployed, how to validate models and where vulnerabilities may require a human-first approach
• Ensuring guardrails for responsible AI adoption are in place by aligning inhouse and third-party systems with regulatory requirements and operational risk frameworks

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Rohan Basu

Global Head of Operations
Wise

12:20 pm - 12:50 pm EVENT PARTNER PRESENTATION - Lessons from Deploying Compliant AI Agents in Finance

Dimitri Masin - Co-Founder & Chief Executive Officer, Gradient Labs

When AI enters the front line of customer support, the impact extends well beyond cost reduction to fundamentally reshape the customer experience.

Drawing on a recent AI agent deployment, this session shares first-hand learnings from Gradient Labs on how AI was embedded into mission-critical support journeys, and why success depended as much on process design and operating model alignment as on the technology itself.

• Understand what real AI ROI looks like in regulated customer support environments and why measurable value can be delivered far faster than many organisations may expect

• Learn how to deploy AI agents effectively by addressing underlying process and operating model gaps before scaling automation

• See how UK financial services organisations operating in highly regulated environments can directly link AI deployment to CX outcomes, cost efficiency and enterprise-wide scale to demonstrate tangible, CX-led impact

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Dimitri Masin

Co-Founder & Chief Executive Officer
Gradient Labs

12:55 pm - 1:25 pm THINK TANK - 🛎️ Service! Delivering Michelin-Star CX Through Service Design Thinking
Amy Blackwell - Executive Director, Service Design, JPMorgan Chase
Customers now expect BFSI experiences to match the seamlessness they see elsewhere, and great products need great service to shine. This think tank will unpack how service design principles create consistent, efficient, and customer centric experiences while linking initiatives to wider business goals.

• Where silo’s may exist, how can organisations take a holistic look to understand the whole ecosystem at play and identify patterns at a higher level of where service delivery can align
• Learn how to identify opportunities to reduce duplication, errors, and friction in the customer journey – Considering training, team structure, systems and processes
• Explore the culture behind exceptional service design, and how service design drives both internal alignment with business strategies and external satisfaction
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Amy Blackwell

Executive Director, Service Design
JPMorgan Chase

12:55 pm - 1:25 pm One-To-One Business Meetings

1:25 pm - 2:15 pm Networking Lunch

2:15 pm - 2:45 pm Networking

2:15 pm - 2:45 pm One-To-One Business Meetings

Customer Support & Offline Journeys Track

2:50 pm - 3:15 pm KEYNOTE PRESENTATION: Proving the Economic Value of CX
Nagla Thabet - Insurance, Pensions and Investments Customer Services & Transformation Director, Lloyds Banking Group

As technology continues to transform customer experience, growing in importance is predicting and demonstrating how these investments translate into measurable improvements aligned with C-level objectives.


Drawing on Lloyds’ experience within its IPI businesses, this session explores how combining customer service excellence with effective technology and AI implementation can deliver tangible business impact.


  • Discover how customer-centric technology can simultaneously elevate service quality and operational effectiveness.
  • Learn how to build credible, data-driven ROI cases that connect CXinitiatives to broader business and financial goals.

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Nagla Thabet

Insurance, Pensions and Investments Customer Services & Transformation Director
Lloyds Banking Group

Customer Support & Offline Journeys Track

3:15 pm - 3:45 pm KEYNOTE CASE STUDY - The Behavioural Science of CX - Understand What Really Drives Customers to Deliver Better Customer Outcomes with Empowered Employees
James Hewitson - Managing Director, Head of Customer Support, HSBC
Human empathy is non-negotiable in customer experience, so how do we design customer support and leverage technology in a way that frees agents to have more meaningful conversations? And how can this approach
be effectively scaled?

This session explores how a behavioural science approach can be applied to deepen understanding of customer journeys - particularly in sensitive moments such as bereavement or financial difficulty. By building analytical capabilities grounded in behavioural insights, organisations can take more informed and timed actions that increase engagement to deliver improved customer outcomes.

With behavioural intelligence revealing how employee interactions can influence customer results, this session will additionally explore how ‘powering the people’ in CX, through enhanced Employee Experience and a focus beyond Consumer Duty, is creating measurable impact. Discover how HSBC is enabling high-performing teams and take away actionable inspiration for embedding empathy at scale throughout your customer journeys.
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James Hewitson

Managing Director, Head of Customer Support
HSBC

Digital Journeys Track

2:50 pm - 3:15 pm EXPERT PRESENTATION - Listening, Learning & Adapting to Customer Behaviours Amongst Economic Uncertainty & Changing Expectations
Rich Wagner - Chief Executive Officer, Zempler Bank

As customer expectations evolve, digital-first banks are challenged to move faster, think smarter and continually deliver experiences that serve both retail and business customers alike. This session explores how one online bank is finding ways to meet shifting needs of their customers amid changing economic conditions - from entrepreneurs to everyday consumers – hear a leadership perspective on:

• The ‘why’ and ‘how’ to embedding customer-centric decision-making in company culture

• Keeping a finger on the pulse of customer needs and expectations and reacting in a targeted way to enhance experience and customer outcomes

• What smarter, data-led strategy can to acquire and engage customers more effectively

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Rich Wagner

Chief Executive Officer
Zempler Bank

Digital Journeys Track

3:15 pm - 3:45 pm FIRESIDE CHAT - Ethical & Customer First UX: What Does it Take to Design Digital Touchpoints for Trust?
Danielle Battleson-Porterfield - Executive Director - Customer Experience, JPMorgan Chase & Co.

With customers’ perceptions often diverging from product realities, how can financial institutions design digital experiences that truly meet customers where they are? This discussion examines how to create transparent, ethical and accessible journeys that close the gap between expectation and experience – and moving beyond theory to strengthen commercial team buy-in to customer-first design principles. Discussing the ‘how to’ towards:

• How can UX frameworks ensure customers experience is received as seamless & intuitive?

• How can we better understand the psychology behind customer beliefs to identify and address misconceptions across online customer journeys?

• How can CX and commercial teams be aligned to merge ‘right by the customer’ with ‘right by the business’?

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Danielle Battleson-Porterfield

Executive Director - Customer Experience
JPMorgan Chase & Co.

3:50 pm - 4:20 pm THINK TANK - From Intelligence to Impact: Advancing CX with AI-Driven Prototyping
In the hyper-competitive BFSI landscape, the "fast follower" strategy is no longer enough to win customer loyalty. To deliver truly differentiated experiences, institutions must move beyond static roadmaps and bridge the gap between AI potential and real-world impact. This session explores how AI-driven prototyping is revolutionizing the product lifecycle - allowing CX leaders to visualise complex journeys, stress-test hyper-personalised models, and validate high-stakes innovations in days rather than months. Join us to discover how to turn raw intelligence into a tangible, human-centric competitive advantage.

 Discuss how you can:
  • Cut Your Time-to-Market by 40%
  • Transition from Reactive to Predictive CX
  • De-Risk Innovation with Effective Research Methods

4:25 pm - 4:55 pm THINK TANK - Going Beyond the Black Box to Ensure AI Works in Your Customers’ Best Interests
Alexey Gabsatarov - Director of Technology, Digital Bank, Shawbrook Bank

As organisations adopt AI to power customer experiences, the challenge is ensuring these systems act fairly, transparently, and in the best interests of customers. This session explores how to harness AI by being clear on the benefits it brings to the customer and knowing which initiatives are worth pursing.

  • How to think about AI enablement in a way which benefits both business operations and customer experience
  • Implementing measures for AI enablement which protects fairness & regulatory adherence without slowing innovation.
  • Build AI-powered experiences that are transparent and trust-enhancing.
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Alexey Gabsatarov

Director of Technology, Digital Bank
Shawbrook Bank

3:50 pm - 4:20 pm One-To-One Business Meetings

4:25 pm - 4:55 pm One-To-One Business Meetings

4:55 pm - 5:25 pm EVENT PARTNER PRESENTATION - Great CX Isn’t Enough: Seeing the Bigger Picture

Mark Squires - Founder & Chief Executive Officer, Watermelon Research
Sophie Stanhope - Marketing Director, Watermelon Research

Watermelon is a Voice of the Customer company. We analyse millions of pieces of feedback every year, turning insight into action and strategic direction.

But we faced a challenge. Customer experience data only tells part of the story.

Long before someone becomes a customer, they’ve already formed opinions about a brand. Reputation, advertising, word of mouth and expectations all shape how a brand is perceived and experienced, with 81% of consumers say they need to trust a brand before they even consider making a purchase.

Our clients wanted to move beyond touchpoint-level metrics to understand the commercial reality of their customer experience: where they sit in the market, how they compare with competitors inside and outside their sector and which investments they need to make to drive growth.

To answer this, Watermelon developed the Canvas Index - a pioneering benchmarking study that brings together customer experience and brand perception to reveal what’s really driving brand performance.

In this session, Watermelon will share the thinking behind the Canvas Index, explain how it works and share some early insights from the first wave of results launched in January.

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Mark Squires

Founder & Chief Executive Officer
Watermelon Research

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Sophie Stanhope

Marketing Director
Watermelon Research

5:25 pm - 5:50 pm PRESENTATION Building the Customer Experience Foundations for Scalable Growth at Tandem Bank

Paul McGarrigle - Chief Operating Officer, Tandem Bank
Michelle Beattie - Head of Operations, Tandem Bank

With a ‘customer first’ philosophy at its core, learn how Tandem Bank pairs product and customer service excellence to power their growth journey as a digital bank. This session explores how Tandem Bank is building the operational and cultural foundations for sustainable expansion, with a customer focus, scalable infrastructure and data-driven insights turning customer signals into meaningful action:

• How customer signals and sentiment data are guiding strategic priorities and investments

• Operational frameworks that connect service quality to measurable business outcomes

• How Tandem thinks about growth enabling operations and culture to scale customer first growth

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Paul McGarrigle

Chief Operating Officer
Tandem Bank

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Michelle Beattie

Head of Operations
Tandem Bank

5:50 pm - 6:30 pm CHAMPAGNE ROUNDTABLES - Implementation & Regulatory Significance of AI

In this roundtable session, we’re bringing together peers to explore the most critical opportunities and challenges of AI in BFSI today, where four focussed tables mean you can take a deep dive into practical use cases, share lessons learned and debate strategic choices to determine how your organisation drives efficiency, improves CX, stays compliant and invests widely in AI capabilities – whether in-house or outsourced.

5:50 pm - 6:30 pm Customer-Facing AI
Jen Hobbs - Head of Digital Product (Interim), Aviva
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Jen Hobbs

Head of Digital Product (Interim)
Aviva

5:50 pm - 6:30 pm Gradient Labs - Implementation
Dimitri Masin - Co-Founder & Chief Executive Officer, Gradient Labs
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Dimitri Masin

Co-Founder & Chief Executive Officer
Gradient Labs

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Mukund Umalkar

Director, Digital Strategy and Innovation - GenAI
ING.

5:50 pm - 6:30 pm Pre-Adoption & Build vs Buy

6:30 pm - 8:40 pm 🍀 Saint Patricks Day - Drinks & Networking Reception