Please collect your registration pack at the Foyer.

The coffee carts will be up and running for those in need of caffeine.

Join us for a Welcome to Country followed by Arca CEO Elsa Markula as we welcome you to the 2024 Arca Credit Summit .

To set the scene for this session, Simone Jemmett, Experian’s Managing Director of Open Data Solutions and Product & Strategy, will reflect on the current Australian credit landscape, before introducing you to our keynote speaker, futurist Gihan Pereran.

Regulatory and cost pressures can cast a long shadow in the 2024 financial services industry. How do professionals lift their heads above the parapet, pursuing and indeed embracing change and innovation? 

Futurist Gihan Perera will tackle these questions head on - looking at both the potential and challenges ahead, and how we can shape a better tomorrow. Plenty of food for thought, and over a delicious breakfast! 

Speaker:

Gihan Perera - Futurist 

Alternative and emerging data is reshaping the future of financial services, providing new ways for lenders to assess creditworthiness and gain deeper insights into their customers. The growing availability of diverse data sources is unlocking fresh opportunities for innovation.

Join Brian and Barrett as they explore how lenders can leverage alternative data to make smarter, faster and more personalised lending decisions. Drawing on insights from advanced markets, we’ll share lessons on how emerging data sets—such as transaction data—are transforming risk assessment and customer engagement.

We’ll also explore how lenders are progressing in their use of alternative data, from early adopters to advanced practitioners and highlight key practices that drive growth and innovation in this evolving space.

Speaker:

Brian Bond, Senior Vice President, North America Business Information Division, Experian 

Barrett Hasseldine, Head of Modelling, illion

Join us for morning tea and networking with our sponsors in the Foyer.

In an uncertain environment, insight into what might be next in the Australia’s economic outlook is more critical than ever.

Join us for this valuable opportunity to hear from Diana who will share some of the insights that she uses to provide global economic and macro investment analysis to retail, institutional and internal customers through her regular “Econosights” reports and presentations.

Speaker:

Diana Mousina, Deputy Chief Economist, AMP

Discover how AI and innovation is reshaping credit access, boosting overall economic output by driving smarter, fairer decisions.

Harald will address the ethical implications of AI in lending, discuss social responsibilities, and explore regulatory frameworks that balance innovation with consumer protection and market integrity.

Learn how AI innovation is really helping to identify opportunities and create optimised solutions for these opportunities, with real examples of practical applications in areas such as affordability and fraud prevention.

Speaker:

Harald Schneider, Chief Data & Analytics Officer, Equifax

Join us for a delicious lunch in the foyer with our sponsors and community partners.

Community expectations of lenders’ hardship practices have continued to evolve, and ASIC’s hardship reports have highlighted the regulator’s expectations that lenders continue to improve hardship practices.

Join, Evelyn, Fiona and Robert for an in-depth discussion on hardship across the full spectrum of lenders. The panel session will consider practical steps lenders of all sizes can take to improve their hardship practices. In addition, the panelists will consider a range of deeper questions. How do you incorporate fairness principles into hardship processes? How do you navigate the challenges of long-term hardship arrangements? How do you ensure preparedness in times of crisis while maintaining ethical standards?

Speakers:

Evelyn Halls, OAM, Customer fairness advisor, ANZ

Fiona Guthrie, CEO, Way Forward

Robert Allen, Senior Manager: Credit, Banking & General Insurance regulation and supervision, ASIC

Community expectations of lenders’ hardship processes have clearly changed, with the distinction between ‘hardship’ and ‘collections’ being broken down by the cost-of-living crisis. What does this mean for lenders and how can they address the operational, prudential and funding issues that arise from the need to provide hardship solutions to consumers who are facing an uncertain financial future.

Speakers:

Michael Blyth, General Manager, Policy & Advocacy, Arca

Jason Humphrey, CRO, ANZ

Michael Vainauskas, CRO. Pepper Financial Services Group

Join our sponsors for an afternoon refresh, with barista made coffee and delicious snacks.

Every customer is unique and having a better understanding of a customer can improve both customer and business outcomes.  This session will delve into the behavioural science of collections and the approaches that can be taken to identify effective customer centric collections strategies to achieve better outcomes in the short and longer term.   

Speaker:

Meurig Chapman, Founder, Happy Prime (NZ) 

In a world increasingly reliant on digital transactions, trust is the currency that fuels the digital economy. However, the rise of scams and digital fraud is eroding this trust, creating a significant risk for businesses and consumers alike.

Iain, will explore how the proliferation of online scams is undermining consumer confidence in digital platforms, threatening the billions invested in marketing and digital transformation efforts. He will examine the financial impact of this trust deficit, including the potential shift from low-cost, high-convenience online transactions to more expensive, less convenient physical alternatives. He will also delve into the regulatory landscape, industry practices, and emerging solutions aimed at restoring trust in digital ecosystems.

Tailored for professionals in credit risk, data technology, and compliance, this session provides actionable insights on how to mitigate the risks posed by the growing scam industry.

Speaker:

Iain Russell, Global Strategy Director, Security & AI Strategy for Cyberoo.AI

The regulatory framework applying to credit is always changing.

Elise will summarise the key recent changes and how they impact credit providers – and make some brave predictions for what might happen in the future. This will include an examination of the upcoming changes in relation to buy now pay later products and scams.

Speaker:

Elise Ivory, Partner (Banking and Finance), Dentons