Day 3 -


12:30 BST: Identifying retail customer needs Despite shifts towards digital, a large percentage of customers value their bank relationships and desire more frequent and accessible financial information and physical interactions, according to EPAM Systems’ recent Global Consumer Banking Report. We discuss the unbundling of the bank, customers desire for information, personalisation and ubiquitous banking, as well as the future of the bank branch. Liz Lumley, technology and transaction banking editor, The Banker Panos Archondakis, global head, banking and wealth management, EPAM Systems The Banker Masterclass, in association with EPAM Systems	TheBanker.com/EPOC21

14:00 BST: View from Sibos Day 3 We talk to leading industry figures about central bank digital currencies, real-time payments and beneficiary management, the growth of application programming interfaces at financial institutions, as well as the drive to delight the banking customer. Liz Lumley, technology and transaction banking editor, The Banker David Kretz, head of GTS global strategy and payments, Bank of America Steve Everett , managing director, head of payments and receivables, Lloyds Banking Group Stefano Favale, global head of transaction banking, Intesa Sanpaolo The Banker View from Sibos, in association with Bank of America	TheBanker.com/Sibos