Agenda

All Days
Thursday, November 2
7:30 a.m.
Registration & Breakfast
Sponsored by
8:20 a.m. - 8:30 a.m.
Chair’s Opening Remarks
8:30 a.m. - 8:55 a.m.
Citizens Bank’s Digital Agenda - Strategic Approaches, New Technologies & Future Priorities
8:55 a.m. - 9:20 a.m.
By the Numbers: The Stage of the Consumer Online Lending Industry in the U.S.
Bill Ullman will use the aggregated data Orchard compiles to explore digital lending “by the numbers”, examining key trends and and providing a balanced view of this rapidly growing and changing industry.
9:20 a.m. - 9:45 a.m.
Fintech and Banking: Can We Reach Small Business Lending Utopia?
Karen Mills, the former SBA Administrator and now Senior Fellow at Harvard Business School, has provided some of the most astute insight into the fintech disruption in this space through her research. She's now asking the question -- Can the current dynamics between fintech, regtech and digital lending coalesce to produce the ultimate outcome -- small business lending utopia?
9:45 a.m. - 10:15 a.m.
Break
10:15 a.m. - 10:55 a.m.
The Lending Evolution
P2P, Marketplace and now Digital Lending – much has changed over the past 4 years of hosting this event. Today news reports tell us fintech platform lenders are applying for bank charters, marketplace players now hold loans on their balance sheets and banks have built, bought and partnered. This panel of various lenders and non-lenders will opine on the state of the industry, continued challenges, trends & predictions and where we go next.
10:55 a.m. - 11:35 a.m.
Community Bank/Fintech Partnerships: The Early Adopters
In this session, we talk with banks who believe the fintech sector represents a growth opportunity, and have collaborated with different types of financial technology companies in order to drive growth within the bank and to expand the products and services that they offer to their customers.
11:35 a.m. - 12:30 p.m.
LIVE Demos
12:30 p.m. - 1:30 p.m.
Industry Innovation Lunch: Better Together: Why Fintechs Should Partner, Not Compete, with Financial Services
In this session, Blend CFO Erin Collard and American Banker Reporter Penny Crosman will take a look at this approach of partnering with lenders and discuss why this model is gaining traction. They'll also touch on the macro-effects of trends like digitization on the broader economy.
Sponsored by
Industry Innovation Lunch: FICO Scores & Marketplace Investing, What You Need to Know
Gain insights on how many consumers will have a material change in their FICO® Score in the short term? How much will their scores change, and over what period of time? How is score migration likely to influence investor decision making? At what points in the marketplace lifecycle do FICO® Scores add value? Learn about fresh research that can help answer all these questions and more.
Sponsored by
Lunch
1:30 p.m. - 2:00 p.m.
Dessert Break in Exhibit Hall
2:00 p.m. - 2:25 p.m.
Invest
Transparent Data: The Key To Responsible Investing
This session will focus on what data is available and beneficial for investors to dive into when examining a potential investment in MPL. It is designed for both current and potential investors in the online lending space. Attendees will walk away with an understanding of old versus new workflows for four specific components of investing: data management, whole loan reporting, securitization reporting, and analytics.
Lend
Digital Lending: Getting Risk Management & Compliance Right to Remain Competitive
We'll talk about the specific steps you can take to ensure that your foundation is as “crack-free” as possible and can continue to support the business model as more floors are added to your lending skyscraper.
2:25 p.m. - 2:50 p.m.
Invest
Investing in Digital: Emerging Opportunities for Community Banks
This session will dive into the benefits that digital loan purchases can yield for community banks, explore the access challenges, and survey new initiatives—that harness existing diligence efforts, regulatory know-how, and improved data and loan monitoring tools—to finally unlock the potential of digital lender/community bank partnerships.
Lend
Innovations and Advancements in Credit Decisioning: What Does the Future Hold?
Join Equifax for an inside peak into the future of predictive analytics in credit decisioning as well as customer acquisition and account management. · Learn about advanced analytic techniques and machine learning being employed today · Discover new techniques being tested and what that could mean for the FI of tomorrow
2:50 p.m. - 3:20 p.m.
Invest
Profiles in Data... Knowing Where Portfolio Investments Go Bad
This session picks up from loan activation (post approval) through all phases of an account lifecycle to maximize responsiveness to increased account risk. We will focus on analytical modeling to segment various risk clusters, stratify risk by ranking and finally provide strategies to set levels of workflow intensity.
Lend
Translating KYC to an OmniChannel Environment: Paperless KYC - For Real?
What are the challenges today managing the KYC process? What are the major pain points seen today by lenders? How do we overcome internal resistance to digital approaches and concerns around security? What are the new technologies that are changing the KYC process (image recognition, digital site visits, machine learning)
3:20 p.m. - 3:45 p.m.
Networking Break
Sponsored by
3:45 p.m. - 4:20 p.m.
The Shakeout: 2017 the Year of Exits, M&A and Reinvention
On this panel, we see digital lending operators discussing the key market dynamics of 2017. From the rumor mill to the C-Suite, hear insider perspective on what’s really driving the series of sales, purchases, and restarted lending operations. Why do we see lenders moving their servicing businesses, platforms providing new paths to securitizations, raiders acquiring best talent, and new look lenders?
4:20 p.m. - 5:00 p.m.
Investor Panel: Outlook & Opportunities
How is money being made in the whole loans space? What are investors looking for and what are the current dynamics behind the scenes? The industry’s leading investing professionals in this unique market discuss emerging opportunities in marketplace lending, including self-sponsored securitizations and more.
5:00 p.m.
Reception
Sponsored by
Friday, November 3
7:45 a.m.
Registration & Coffee
Sponsored by
8:25 a.m. - 8:30 a.m.
Chair’s Opening Remarks
9:00 a.m. - 9:25 a.m.
VC Perspective - Interview with Canaan Partners’ Brendan Dickinson, Partner
Lending Club, CircleUp and Orchard are just some of the investments Canaan Partners has made over the years. What can they tell us today about the marketplace and digital lending space from their viewpoint including what risks they see and unique opportunities they’re placing bets on?
9:25 a.m. - 10:00 a.m.
Networking Breakfast in the Exhibit Hall
10:00 a.m. - 10:30 a.m.
Regulation Update: What's Coming in 2018
As the Trump Administration continues to fill key positions at federal regulatory agencies, possibly including the CFPB, how will the environment change for digital lending? In this session, regulatory enforcement experts from government and the private sector will discuss trends and critical issues at both the federal and state levels, including changing regulatory priorities, possible conflicts between federal and state regulators, and how these issues will affect lenders and investors.
10:30 a.m. - 11:00 a.m.
Citizens & Fundation – Maximizing Digital Lending's Impact While Maintaining Control of Your Brand & Products
In this session, Blend CFO Erin Collard and American Banker Reporter Penny Crosman will take a look at this approach of partnering with lenders and discuss why this model is gaining traction. They'll also touch on the macro-effects of trends like digitization on the broader economy.
11:00 a.m. - 11:40 a.m.
DIY: Capturing the Best Aspects of Build, Buy, or Partner for Digital Success
This session features consumer and small business Fintechs that specialize in helping banks and credit unions “do-it-themselves.” Panelists include Fintech leaders that provide software as a service (SaaS) and functional specialists. Discussion topics include: - What’s involved in a DIY approach to digital lending? - When should a bank or credit union go the DIY route? - What approach does a traditional lender need to take for DIY success? - Is DIY a first-step to building or a sustainable long-term approach?
11:40 a.m. - 12:30 p.m.
LIVE Demos
12:30 p.m. - 1:30 p.m.
Lunch
1:30 p.m. - 2:10 p.m.
Blockchain Solutions for Online Lending
Blockchain technology continues to be a hot topic across the financial services industry. Investment banks are investing heavily in building out teams and running proof of concepts. This panel brings together pioneers and thought leaders involved first hand in driving Blockchain initiatives across this ecosystem. Specifically they will address issues like: What are the opportunities that Blockchain presents in Online lending? Who are the current main players? What are the barriers to realizing this opportunity? How far along are we? How do we get more involved?
2:10 p.m. - 2:45 p.m.
Lender Evolution: The Rise of Mobile and APIs
In this conversation, Movement Mortgage and Blend will discuss how the digital mortgage experience and innovations like Blend Mobile have spurred stronger in-person ties between consumers and lenders.
2:45 p.m. - 3:25 p.m.
Modern Relationship Banking: Leveraging Technology, Communication & Experience
Mirador combines insights from Barlow Research Associates with thousands of internal data points, we will present why banks must wake up, reframe, and reconfigure their customer experience before they are obsolete.
3:25 p.m.
Conference Concludes
Thursday, November 2
7:30 a.m.
Registration & Breakfast
Sponsored by
8:20 a.m. - 8:30 a.m.
Chair’s Opening Remarks
8:30 a.m. - 8:55 a.m.
Citizens Bank’s Digital Agenda - Strategic Approaches, New Technologies & Future Priorities
8:55 a.m. - 9:20 a.m.
By the Numbers: The Stage of the Consumer Online Lending Industry in the U.S.
Bill Ullman will use the aggregated data Orchard compiles to explore digital lending “by the numbers”, examining key trends and and providing a balanced view of this rapidly growing and changing industry.
9:20 a.m. - 9:45 a.m.
Fintech and Banking: Can We Reach Small Business Lending Utopia?
Karen Mills, the former SBA Administrator and now Senior Fellow at Harvard Business School, has provided some of the most astute insight into the fintech disruption in this space through her research. She's now asking the question -- Can the current dynamics between fintech, regtech and digital lending coalesce to produce the ultimate outcome -- small business lending utopia?
9:45 a.m. - 10:15 a.m.
Break
10:15 a.m. - 10:55 a.m.
The Lending Evolution
P2P, Marketplace and now Digital Lending – much has changed over the past 4 years of hosting this event. Today news reports tell us fintech platform lenders are applying for bank charters, marketplace players now hold loans on their balance sheets and banks have built, bought and partnered. This panel of various lenders and non-lenders will opine on the state of the industry, continued challenges, trends & predictions and where we go next.
10:55 a.m. - 11:35 a.m.
Community Bank/Fintech Partnerships: The Early Adopters
In this session, we talk with banks who believe the fintech sector represents a growth opportunity, and have collaborated with different types of financial technology companies in order to drive growth within the bank and to expand the products and services that they offer to their customers.
11:35 a.m. - 12:30 p.m.
LIVE Demos
12:30 p.m. - 1:30 p.m.
Industry Innovation Lunch: Better Together: Why Fintechs Should Partner, Not Compete, with Financial Services
In this session, Blend CFO Erin Collard and American Banker Reporter Penny Crosman will take a look at this approach of partnering with lenders and discuss why this model is gaining traction. They'll also touch on the macro-effects of trends like digitization on the broader economy.
Sponsored by
Industry Innovation Lunch: FICO Scores & Marketplace Investing, What You Need to Know
Gain insights on how many consumers will have a material change in their FICO® Score in the short term? How much will their scores change, and over what period of time? How is score migration likely to influence investor decision making? At what points in the marketplace lifecycle do FICO® Scores add value? Learn about fresh research that can help answer all these questions and more.
Sponsored by
Lunch
1:30 p.m. - 2:00 p.m.
Dessert Break in Exhibit Hall
2:00 p.m. - 2:25 p.m.
Invest
Transparent Data: The Key To Responsible Investing
This session will focus on what data is available and beneficial for investors to dive into when examining a potential investment in MPL. It is designed for both current and potential investors in the online lending space. Attendees will walk away with an understanding of old versus new workflows for four specific components of investing: data management, whole loan reporting, securitization reporting, and analytics.
Lend
Digital Lending: Getting Risk Management & Compliance Right to Remain Competitive
We'll talk about the specific steps you can take to ensure that your foundation is as “crack-free” as possible and can continue to support the business model as more floors are added to your lending skyscraper.
2:25 p.m. - 2:50 p.m.
Invest
Investing in Digital: Emerging Opportunities for Community Banks
This session will dive into the benefits that digital loan purchases can yield for community banks, explore the access challenges, and survey new initiatives—that harness existing diligence efforts, regulatory know-how, and improved data and loan monitoring tools—to finally unlock the potential of digital lender/community bank partnerships.
Lend
Innovations and Advancements in Credit Decisioning: What Does the Future Hold?
Join Equifax for an inside peak into the future of predictive analytics in credit decisioning as well as customer acquisition and account management. · Learn about advanced analytic techniques and machine learning being employed today · Discover new techniques being tested and what that could mean for the FI of tomorrow
2:50 p.m. - 3:20 p.m.
Invest
Profiles in Data... Knowing Where Portfolio Investments Go Bad
This session picks up from loan activation (post approval) through all phases of an account lifecycle to maximize responsiveness to increased account risk. We will focus on analytical modeling to segment various risk clusters, stratify risk by ranking and finally provide strategies to set levels of workflow intensity.
Lend
Translating KYC to an OmniChannel Environment: Paperless KYC - For Real?
What are the challenges today managing the KYC process? What are the major pain points seen today by lenders? How do we overcome internal resistance to digital approaches and concerns around security? What are the new technologies that are changing the KYC process (image recognition, digital site visits, machine learning)
3:20 p.m. - 3:45 p.m.
Networking Break
Sponsored by
3:45 p.m. - 4:20 p.m.
The Shakeout: 2017 the Year of Exits, M&A and Reinvention
On this panel, we see digital lending operators discussing the key market dynamics of 2017. From the rumor mill to the C-Suite, hear insider perspective on what’s really driving the series of sales, purchases, and restarted lending operations. Why do we see lenders moving their servicing businesses, platforms providing new paths to securitizations, raiders acquiring best talent, and new look lenders?
4:20 p.m. - 5:00 p.m.
Investor Panel: Outlook & Opportunities
How is money being made in the whole loans space? What are investors looking for and what are the current dynamics behind the scenes? The industry’s leading investing professionals in this unique market discuss emerging opportunities in marketplace lending, including self-sponsored securitizations and more.
5:00 p.m.
Reception
Sponsored by
Friday, November 3
7:45 a.m.
Registration & Coffee
Sponsored by
8:25 a.m. - 8:30 a.m.
Chair’s Opening Remarks
9:00 a.m. - 9:25 a.m.
VC Perspective - Interview with Canaan Partners’ Brendan Dickinson, Partner
Lending Club, CircleUp and Orchard are just some of the investments Canaan Partners has made over the years. What can they tell us today about the marketplace and digital lending space from their viewpoint including what risks they see and unique opportunities they’re placing bets on?
9:25 a.m. - 10:00 a.m.
Networking Breakfast in the Exhibit Hall
10:00 a.m. - 10:30 a.m.
Regulation Update: What's Coming in 2018
As the Trump Administration continues to fill key positions at federal regulatory agencies, possibly including the CFPB, how will the environment change for digital lending? In this session, regulatory enforcement experts from government and the private sector will discuss trends and critical issues at both the federal and state levels, including changing regulatory priorities, possible conflicts between federal and state regulators, and how these issues will affect lenders and investors.
10:30 a.m. - 11:00 a.m.
Citizens & Fundation – Maximizing Digital Lending's Impact While Maintaining Control of Your Brand & Products
In this session, Blend CFO Erin Collard and American Banker Reporter Penny Crosman will take a look at this approach of partnering with lenders and discuss why this model is gaining traction. They'll also touch on the macro-effects of trends like digitization on the broader economy.
11:00 a.m. - 11:40 a.m.
DIY: Capturing the Best Aspects of Build, Buy, or Partner for Digital Success
This session features consumer and small business Fintechs that specialize in helping banks and credit unions “do-it-themselves.” Panelists include Fintech leaders that provide software as a service (SaaS) and functional specialists. Discussion topics include: - What’s involved in a DIY approach to digital lending? - When should a bank or credit union go the DIY route? - What approach does a traditional lender need to take for DIY success? - Is DIY a first-step to building or a sustainable long-term approach?
11:40 a.m. - 12:30 p.m.
LIVE Demos
12:30 p.m. - 1:30 p.m.
Lunch
1:30 p.m. - 2:10 p.m.
Blockchain Solutions for Online Lending
Blockchain technology continues to be a hot topic across the financial services industry. Investment banks are investing heavily in building out teams and running proof of concepts. This panel brings together pioneers and thought leaders involved first hand in driving Blockchain initiatives across this ecosystem. Specifically they will address issues like: What are the opportunities that Blockchain presents in Online lending? Who are the current main players? What are the barriers to realizing this opportunity? How far along are we? How do we get more involved?
2:10 p.m. - 2:45 p.m.
Lender Evolution: The Rise of Mobile and APIs
In this conversation, Movement Mortgage and Blend will discuss how the digital mortgage experience and innovations like Blend Mobile have spurred stronger in-person ties between consumers and lenders.
2:45 p.m. - 3:25 p.m.
Modern Relationship Banking: Leveraging Technology, Communication & Experience
Mirador combines insights from Barlow Research Associates with thousands of internal data points, we will present why banks must wake up, reframe, and reconfigure their customer experience before they are obsolete.
3:25 p.m.
Conference Concludes