Caroline Ambrose is Managing Director of Life Moments - Digital Platforms at Barclays UK, where she leads transformation across mortgages, savings, insurance, and investments to deliver better digital experiences for customers. She has held senior roles in open banking, change leadership, conduct risk, and customer insight, and is recognised for driving large-scale change that balances innovation, regulation, and customer outcomes.

Rowan Clayton is Chief Product Officer at finova, where he leads product strategy for its cloud-based mortgage and savings platforms, focusing on digital customer journeys and composable architecture. He brings over 14 years of product leadership at finova, previously serving as Product Principal and Product Director - and recently discussed AI’s impact on lending on IFA Talk.

Lucian Morris is Chief Information Officer at Mortgage Advice Bureau, where he leads the development and oversight of technology solutions across the business. He has over 15 years' experience consulting, building, and managing tech in UK & European financial services. Formerly a consultant at Deloitte, Lucian played a pivotal role in launching Metro Bank.

Hugh Hessing is a transformation leader with over 25 years in financial services, having driven large-scale change across some of the UK’s biggest insurers. He is a Non-Executive Director at BrokerIQ and has held senior roles at Aviva, including UK Chief Operating Officer, Customer Services Director, and CEO of Aviva Ireland. Hugh is recognised for leading complex programmes that enhance customer experience, strengthen operational performance, and deliver sustainable growth.

Alexis is the founder and CEO of Sikoia. Prior to founding Sikoia, Alexis was an investor at SoftBank Vision Fund, a leading global growth equity fund with $100 billion AuM. At SoftBank, he focused on Fintech, marketplaces, and enterprise software start-ups in Europe and the US. Prior to that, Alexis advised financial institutions on more than $30 billion worth of M&A transactions at Merrill Lynch and Moelis & Co.

Emmaneulle is Head of Commercial at Sikoia, where she focuses on client delivery and supporting financial institutions with onboarding and verification solutions. She has worked across fintech, data, and compliance-focused roles, with experience in product-led growth and operational delivery.

Stephen is Sikoia's Chief Data Officer and a seasoned data science and risk thought leader with a global track record. Having started his career at BCG, Stephen has held multiple data, credit risk, and tech roles at banks in Australia, the Netherlands, and the UK, including Head of Data and Analytics Engineering at JP Morgan Equities, and CRO and Head of Data Science at consumer lender Oakam.