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2021 ACCIS Annual Conference

Virtual Conference

Agenda

16th June 2021, Wednesday

09:00 - 10:30 CET

Supporting businesses in the aftermath of the coronavirus pandemic

As Europe starts to slowly emerge from the coronavirus pandemic, uncertainty remains for many businesses. The risk of insolvency among SMEs is high and there is a need for mitigating measures, including “bridge” support and debt/loan restructuring for a viable business. Stakeholders in the credit markets (lenders, credit reference agencies, borrowers) need to understand better the criteria and the tools applied to judge whether a business is viable (or not) and therefore whether it has (or has not) reasonable recovery prospects so that support can be deployed effectively. Here, role of Early Warning Mechanisms can play an important role.

Introductory remarks

Enrique Velázquez, Director General, ACCIS

Case Studies

Eric Van den Broele, Director of Research & Development, Graydon Belgium

Covid, the aftermath. Can covid become a catalyst towards change in economic and social issues?

Ingvar Birgisson, Director of Global Solutions, CreditInfo

The transformation of SME lending in a post-pandemic economy

Remarks by additional panelists

Nina Schindler, CEO, European Association of Co-operative Banks

Gerhard Huemer, Economic Policy Director, SMEunited

Anne Schaedle, Head of Unit, DG FISMA A.1 Policy definition and coordination Unit,

European Commission

Panel discussion and Q&As

Closing remarks

Enrique Velázquez, Director General, ACCIS

 10:30 - 11:00 CET      Virtual Networking 

16th June 2021, Wednesday

11:00 - 12:30 CET

Putting data to work to ensure responsible lending for consumers

Assessing creditworthiness before granting credit is a key component of responsible lending. In a digital, data-driven environment, the relevant factors taken into account for the assessment of creditworthiness are evolving. New data such as regular household bills or open banking transactions are way more easily and readily available. The ability to leverage that data has enabled the assessment of qualitative factors such as consumption behaviour and willingness to pay, which allows for greater, faster, and cheaper segmentation of borrower quality and ultimately lead to better and quicker credit decisions. The use of personal data raises however policy issues, including those related to data privacy, data protection and a potential loss of control and understanding of the dynamics underlying lending decisions.

Introductory remarks

Enrique Velázquez, Director General, ACCIS

Case Studies

Jon Roughley, Global Head of Data Exchange, Experian

Three key factors in creating a fair, safe and future-proofed credit market

Christian Ochs, PhD, Founder of FINcredible 

Providing fully digital credit checks on consumers 

Remarks by additional panelists

Chris Muyldermans, Head EU Affairs, Corporate Public Affairs, KBC Group

Peter Norwood, Senior Research and Advocacy officer, FinanceWatch

Elena Brolis, Policy Officer, DG JUST E1 Consumer Policy Unit, European Commission 

Panel discussion and Q&As

Closing remarks

Enrique Velázquez, Director General, ACCIS

 12:30 - 13:00 CET      Virtual Networking 

17th June 2021, Thursday

09:00 - 10:30 CET

Transitioning from Open Banking to Open Finance

Open banking was designed to increase innovation and competition in banking and payment services. Open banking uses include innovative alternatives to traditional credit scoring and affordability models. Open finance is an opportunity to build on the concept of open banking by extending open banking-like data sharing and third-party access to a wider range of financial sectors and products. More accurate creditworthiness assessments and increased access to credit by enabling third parties to review cash flow holistically and identify suitable credit products for businesses and consumers would be possible. Open finance would also create or increase risks and raise new questions of data ethics. The right commercial incentives for widespread open finance-type arrangements between firms would also have to emerge.

Introductory remarks

Enrique Velázquez, Director General, ACCIS

Case Studies

Dr. Frank Schlein, CEO Germany, Austria, Poland CRIF

Open Finance: the end of traditional credit risk management?

 

Isabella Cesarini, Head of Product and Project Management, AUTO1 FinTech

Digital Scoring: A case study in Mobility Fintech

Remarks by additional panelists

Gavin Littlejohn, Interim Chief Research & Innovation Officer, Global Open Finance Centre of Excellence

Patricia Suárez, Founder and President, ASUFIN (Spanish Financial Users Association)

Mattias Levin, Deputy Head of Unit, DG FISMA B.5 Digital Finance Unit, European Commission

Panel discussion and Q&As

Closing remarks

Enrique Velázquez, Director General, ACCIS

 10:30 - 11:00 CET      Virtual Networking 

17th June 2021, Thursday

11:00 - 12:30 CET

The power of AI in delivering better lending decisions for consumers

Advances in technology and software are enabling organisations to adopt more powerful and advanced analytical approaches to help drive growth, efficiency, competitiveness and manage risk. Take Machine Learning. Machine learning essentially means teaching computers to teach themselves by giving them access to lots and lots of data. Thanks to machine learning algorithms, an AI system will teach itself which data points are important, and which ones are not for a particular lending decision. With so much focus recently on getting analytics and AI to outperform traditional methods, there is now a need to expand and allow for all of that success to be explained. And, even, regulated?

Introductory remarks

Enrique Velázquez, Director General, ACCIS

Case Studies

Federico Sembolini, Lead Data Scientist, Equifax Iberia

NeuroDecision: fully explainable AI to boost financial inclusion


Mesrur Börü, Senior Data Scientist, TAZI.AI

Customer retention using Next Generation AutoML 

Remarks by additional panelists

Dr. Gjergji Kasneci, Data Science and Analytics Research Group Lead at the University of Tübingen / Chief Technology Officer, SCHUFA AG

Déborah Faure, Financial Services Officer, BEUC

Marion Walsmann, Member of the European Parliament 

Panel discussion and Q&As

Closing remarks

Enrique Velázquez, Director General, ACCIS

 12:30 - 13:00 CET      Virtual Networking