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Dynamic and ever-evolving, the fintech industry is disrupting traditional financial systems and offering innovative solutions to consumers, businesses, and institutions. This rapidly growing industry has the potential to reshape the landscape by making financial services more accessible, cost-effective, and user-friendly for people and businesses around the world.

However, as the industry continues to flourish, the regulatory aspects of fintech also continue to shift, causing new challenges for key stakeholders in the space.

Schedule Of Events

7:45 am – 8:30 am: Registration & Networking

8:30 am – 9:10 am: Opening Session

9:20 am – 10:00 am: Bank Modernization: Innovations and their Implications

10:10 am – 11:00 pm: Closing Session

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Opening Session

The growth of fintech has been nothing short of meteoric in recent years, with innovative startups and established financial institutions alike increasingly adopting technology to transform the financial services landscape. This rapid expansion has presented both opportunities and challenges for regulators worldwide.

Regulations are poised to change the fintech landscape significantly as governments and regulatory bodies seek to strike a balance between fostering innovation and safeguarding consumers. As fintech continues to evolve and mature, regulations will play a pivotal role in shaping the industry’s future: How are regulations changing the space? What do organizations and individuals need to have at top of mind as they navigate these changes? How can organizations ensure they are adapting to the changing landscape while meeting the regulatory needs of now?

Raghu Kulkarni, SVP, Chief Data Science Officer, Decisions and Analytics, Discover

Raghu Kulkarni is the SVP, Chief Data Science Officer at Discover, and his primary responsibilities include leading scorecard model development teams and Machine Learning (ML) research. His team develops models for the entire life cycle of the customer spanning Acquisition, Portfolio, Collections, Fraud risk and AML. He is passionate about AI/ML Research, with specific focus on ML Explainability and Fair Lending research. He holds PhD in Applied Economics and M.S in Industrial Engineering from Texas Tech University.


Bank Modernization: Innovations and their Implications

Bank modernization represents a significant shift in how financial services are delivered and managed. With the integration of innovations such as open banking, blockchain, and cloud computing, banks are now offering more personalized and efficient services to customers.

This transformation is not only enhancing the user experience through mobile banking and online transactions—it is also improving security measures and compliance with regulatory requirements. Moreover, modernization drives innovation in financial products, enabling banks to cater to a broader range of customer needs and to compete in the expanding fintech sector.

What are the unique risks that bank modernization poses? Why are regulations important for bank modernization? How does open banking play a role in bank modernization?

Madhusudhan Magadi, Managing Director – Consulting Practice Partner, BankTech Fellow, NTT Data

Madhusudhan Magadi is a Managing Director, FSI Consulting Partner & Industry Architecture leader, BankTech Fellow and Thought Leader with over 20+ years of BFS experience working with top tier 1 & 2 Financial Institutes across the globe, ex-ANZ Bank, BoA, Capgemini

Brian Cavanaugh, Moderator, Director, WTW


Closing Session

The fintech industry is bustling with new innovations and technology to challenge the status quo. From digital payments to online lending, to open banking and regtech, the financial services sector is continually being disrupted by new services and technologies. With this, governments and regulatory bodies worldwide have recognized the need to adapt existing regulations or create new ones to address the unique challenges posed by fintech, including data privacy, cybersecurity, and consumer protection.

What are the current trends and innovations in the fintech industry, and what unique regulatory challenges do they pose? How can organizations balance innovation with oversight?

T.J. Gordon, Partner, Sidley Austin

T.J. Gordon’s practice focuses on representation of banks, private equity and other alternative asset funds, FinTech companies, insurance companies, corporate borrowers, and other financial intermediaries in structured finance, asset securitization, forward flow purchase, secured lending, and special situations transactions. Financings and acquisitions of consumer loans and receivables, including personal loans (a/k/a marketplace lending loans), student loans, both federally guaranteed (FFELP) and private, home improvement loans, point-of-sale loans, credit card receivables, and other consumer receivables comprise a significant portion of his practice.

Randy Rivera, Founder and Principal, Keen Advisors

Randy Rivera has spent nearly two decades leveraging his experience in financial services to help

entrepreneurs solve complex problems. Randy is Executive Director of FinTEx, trade association focused on expanding Chicago’s role as an epicenter of innovation in FinTech. He is the founder and principal of keen advisors, where he works with companies on strategies for growth and innovation. He is also co-founder of quointec is a regtech company that leverages tech to automate legal and compliance advice.

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