With continued socio-political, economic and sector uncertainty permeating the European finance and fintech markets, borrowers are facing ever-increasing pressures on their wallets, businesses and livelihoods. So what are the incumbent, micro, BNPL, alternative, property and fintech lenders doing to help ease the strain for their customers and make strides for a brighter financial future for all?

Ahead of FTT Lending 3.0 2024, we’re taking stock of some of the key drivers and innovations shaping the industry at large as well as those key panels discussing them:

Automation

Advancements in automation technology have enabled lenders to reduce manual effort, improve efficiency, enhance accuracy, and provide faster turnaround times for borrowers. By leveraging AI algorithms and machine learning, lenders can now analyse vast amounts of data to make more accurate credit decisions and assess borrower risk profiles.

Automation has also made it possible for lenders to offer instant loan approvals, where applicants can receive decisions within minutes or even seconds. This has greatly improved the borrower experience, as they no longer have to wait for days or weeks to know if they qualify for a loan.

Join the conversation on the Power of Lending stage for our automatic for the people panel, where we’ll be delving into faster, accurate and more efficient credit decisioning.

Embedded Finance

Embedding financial services and products into existing platforms and channels isn’t new, but it certainly has experienced a resurgence in interest and development of new products over the past few years. With the pandemic accelerating digital transformation and behavioural expectations reshaping how financial products and services are constructed, distributed and consumed, new partnerships are coming to the fore.

In the years since, point-of-sale financing and embedded lending offerings have sprouted left, right and centre, with fintechs, BNPLs and other embedded finance providers have contributed to a profound change in the modern borrowing experience. This has also brought to light the need for solid regulatory frameworks as well as a deeper understanding of borrowing behaviour in the 2020s.

Catch up with how leading non-financial institutions are augmenting CX with embedded innovation, midday on the Future of Lending stage.

Consumer Duty

Legislation protecting consumers has rocketed up the priority lists of established lenders and fintechs alike in the past year, with the key takeaways being transparency, affordability assessment, fair treatment, secure data and alternative lending options.

Hear how front-line financial institutions are adapting their strategies, methods and offerings in line with consumer duty for assured outcomes for the modern consumer on the Future of Lending stage.

SME Lending

Innovative providers are offering an ever-growing range of credit, loan and working capital options to SMEs.

How can lenders collaborate to create more opportunities to provide SMEs with the support they need to thrive and grow? With a funding gap in the billions, we need the very best minds in the industry to sit down, put their heads together and take tangible steps towards a better future for SMEs and their owners.

Thankfully that’s exactly what our speakers will be doing on the Power of Lending stage with our stacked SME supercharger panel.

FTT Lending brings together the next generation of lenders, fintechs, tech innovators and the non-financial brands powering the future of lending.

Register for the 5th edition, taking place on the 19th March 2025 in London, here.