AUSTRALIAN MORTGAGEINNOVATION SUMMIT 2017

MEDIA PARTNERS

The disrupted mortgageThursday 23rd February & Friday 24th February 2017International Convention Centre Sydney14 Darling Drive, Sydney NSW 2000

www.australianmortgageinnovationsummit.com.au

#RFIAMIS2017 I @RFiMediaGRB

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Australian Mortgage Innovation Summit 2017

SESSION ONE: AUSTRALIAN HOUSING – THE BIG PICTURE

Australia: a culture of complacent prosperity

9:00 - 9:30AM• Digital change and disruption on a grand scale, including its impact on housing affordability• How Sydney and Melbourne differ from the rest of Australia and the generational change in the

average Aussie home• The shift of wealth and prosperity from makers and growers to service providers

Bernard Salt, Partner at KPMG, Columnist with The Australian, Presenter

Does complacency reign in the Australian residential property market?

9:30 – 10:00AM• Australian property comparative affordability• Key property price drivers• Risks to future growth

Tim Carleton, Principal & Portfolio Manager, Auscap Asset Management

PANEL: The economic drivers behind housing and pricing

10:00 – 10:45AM• Key drivers behind price in the Australian market• How does our housing market stack up globally?• What will be the greatest change in the next 12 months?

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Paul Bloxham, Chief Economist – Australia and New Zealand, HSBCDaniel Gradwell, Economist, ANZTim Lawless, Research Director – Asia Pacific, CoreLogic

EVENT PROGRAM – DAY ONE

REGISTRATION

WELCOME & OVERVIEW

Chaired by Andrew Stabback, Chief Executive Officer, AB+F

8:30 – 8:55AMArrival tea and coffee

8:55– 9:00AMMoses Samaha, Executive General Manager - Customer Relationships – Australia, Veda

Australian Mortgage Innovation Summit 2017

EVENT PROGRAM – DAY ONE

10:45 - 11:15AM

MORNING TEA

PANEL: Data and the next opportunities

11:15 – 11:45AM• Where are the next opportunities for banks?• Does the solution to affordability partly lie in second-tier cities?• Looking to the data for a better view of the market and smart growth

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Lisa Claes, Managing Director – Australia & New Zealand, CoreLogicOther speakers to be announced at the event

PANEL: Regulation – risky business

11:45AM – 12:30PM • Conduct and responsible lending in mortgages• Cost of funding under prudential risk management• The dynamic nature of bank ratings in the risk environment

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Nico De Lange, Director – Financial Institutions Ratings, S&P GlobalScott Manning, Executive Director, JPMorganMichael Saadat, Senior Executive Leader – Deposit Takers, Credit & Insurers, ASICAlex Sell, Chief Executive Officer, exSell Group

The first step: engaging customers in the way they want to be engaged

1:30 – 2:00PM• What does the customer truly want from a mortgage origination experience?• Getting off to a good start - the importance of origination in the mortgage value chain• Giving them what they want. Helping customers on-board

Alan Shields, Co-Founder & Managing Director – Consulting, RFi Group

SESSION TWO: DATA AND REGULATION

SESSION THREE: INNOVATION FOR YOUR ORIGINATION

12:30 – 1:30PM

LUNCH - SPONSORED BY PERPETUAL

Australian Mortgage Innovation Summit 2017

PANEL: Speed to “yes”

2:00 – 2:45PM • Assessing applicants quickly, effectively and accurately• Competing with the “one-minute mortgage”• Minimising friction: identity and LMI transport

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Mike Cutter, EGM Credit Risk and Advisory, VedaSarvesh Mahesh, Co-founder and Chief Executive Officer, Tavant TechnologiesAinslie van Onselen, Executive Director, RAMSScott Wilson, Managing Director & Chief Executive Officer, iSelect

SESSION THREE (CONT.D) : INNOVATION FOR YOUR ORIGINATION

2:45 – 3:15PM

AFTERNOON TEA

Customer Centricity and Pricing: Can you have your cake and eat it?

3:15 – 3:45PM• How pricing affects outcomes in the Australian mortgage market• Responding to changing customer values, behaviours and attitudes• Achieving growth, profitability, customer satisfaction, and regulation• Getting to a win/win/win/win situation

Damian Young, Managing Director – EMEA and APAC, Nomis Solutions

PANEL: Following the customer journey

3:45 – 4:30PM• End-to-end optimisation for the customer• Validating and protecting identity• Limiting friction for customer and lender

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Meg Bonighton, General Manager – Home Lending, NABGeoff Kendall, Chief Executive Officer, EzidoxNathan McMullen, Head of Product and Digital, RAMSSean Simmons, Head of ZipID, ZipIDWill Ranken, General Manager, Home Loans & Retail Lending Practices ANZ

SESSION FOUR: CX FOR THE HOME BUYER

Australian Mortgage Innovation Summit 2017

EVENT PROGRAM – DAY TWO

SESSION ONE: THE DIGITAL CUSTOMER

Mastering digital innovation at breakneck speed

9:00 - 9:30AM• What do we mean by digital anyway - product development, research, agility, and experimentation?• Detangling systems to empower bankers• Digital vs. IT – a balancing act• What is the end goal for digital transformation?

Paul Shetler, Digital Chief Executive and Entrepreneur

Former Chief Digital Officer, Australian Government Digital Transformation Agency, Chief Digital Officer, UK Ministry of JusticeExecutive positions at SWIFT, Microsoft and Republic National Bank of New York

Case Study: Insights from a leading digital mortgage broker

9:30 – 10:00AM• Key challenges in making ‘human + digital’ work• Opportunities for lenders in retail• Opportunities for lenders in third party

Vincent Turner, Chief Executive Officer, uno

Barriers to digital transformation

10:00 – 10:20AM• All organisations find digital transformation challenging• Many common obstacles irrespective of sector• The key to success is to get started and start learning

Pam Rebecca, Director Digital & Channels, World Vision Australia, formerly GM Digital at ANZ

REGISTRATION

WELCOME & OVERVIEW

Chaired by Andrew Stabback, Chief Executive Officer, AB+F

8:30 – 8:55AMArrival tea and coffee

8:55– 9:00AM

Australian Mortgage Innovation Summit 2017

PANEL: Measurable success of a digital experience

10:20 – 11:05AM• Cutting edge technology for a digital enterprise• Compliance for technology and enabling the institution• Digital to drive down costs and the need for securitisation

Moderated by Christine St. Anne, Editor – Banking and Finance, AB+F

With Mark Bevan, Managing Director, JoustRanin Mendis, Founder and Chief Executive Officer, LoanDolphinMandeep Sodhi, Founder and Chief Executive Officer, HashChingVincent Turner, Chief Executive Officer, uno

The original disruptor now as the incumbent

11:30AM - 12:00PM• Technology as an enabler to better relationships• The simple human truth• Evolution of the broker

Mark Haron, Director, Connective

PANEL: The changing nature of the broker relationship

12:00 – 12:45PM• What will the broker relationship look like in 5 years?• Risk pricing for the customer and the broker• To broker or not to broker – what is the value proposition?

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Glenn Gibson, Head of Sales and Marketing, AMP BankIzzy Silva, General Manager – Consumer & Digital Marketing, Veda Mark Woolnough, Head of Third Party Distribution, ING DIRECT

EVENT PROGRAM – DAY TWO

SESSION ONE (CONT.D): THE DIGITAL CUSTOMER

SESSION TWO: DISRUPTIING THE BROKER

11:05 – 11:30AM

MORNING TEA

12:45 – 1:45PM

LUNCH

Australian Mortgage Innovation Summit 2017

2:45PM

CLOSING REMARKS

FIRESIDE CHAT: Servicing the digital-savvy customer

1:45 - 2:15PM• Building a digital business model around the customer• Incumbents taking on a start-up mentality• How to build a relationship with the digital customer?

Moderated by Andrew Stabback, Chief Executive Officer, AB+F

With Mike Cameron, Group Executive – Operations, PEXARichard Irving, Head of Third Party Distribution, Bank AustraliaDavid Maher, Legal Practitioner Director, LeadPoint DMS

Where to next for the mortgage product as we know it?

2:15 – 2:45PM• 12-month outlook on the changes for the mortgages• For how much longer will the mortgage be the anchor product?• Are millennials driven by home-ownership or are we headed for the shared economy?

Mary Ploughman, Joint Chief Executive Officer, Resimac

SESSION THREE: DISTRIBUTION NETWORKS FOR ENTERPRISE