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This unique event will explore the latest issues surrounding the rise of the online mortgage market and its future. The conference offers you the opportunity to network with key industry experts. Attend to discover the potential and realities of the online mortgage market and prepare yourself for E-Future.

E Mortgages will look at the strategies to put in place, to encourage and attract customers to online mortgage services. Home loans are already the most popular financial services’ product researched on the Internet. Competition is hard to predict, as this is such a fast-changing business environment. Constant innovation is therefore required to stay ahead of the market.

Conference themes will include how to take your mortgage business online, successful marketing and branding strategies, cross border lending, UK and European regulation and compliance issues, customer relationship management, innovative distribution channels & product development and several case studies by leading E-Mortgage specialists.

Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Simon Walker

Simon Walker, Partner, KPMG

9:10 DISTRIBUTION AND NEW PRODUCT DEVELOPMENT

Gordon Sharpe

Gordon Sharpe, Director of E-Business, Bank of Scotland

  • Staying in touch with a fast-changing business environment
  • Importance of market positioning for the fundamental changes to business practices that are in progress
  • Will the Internet become the dominant distribution channel?
  • What will happen with other distribution channels: telephone, branches, intermediaries, mortgage brokers, own tied agents etc?
  • Selling via the Internet
  • Building strategic partnership in Web distribution
  • 9:40 CASE STUDY

    Francis Eve

    Francis Eve, Project Strategy Director, E-Loan

  • Building the online customer proposition; Empowering consumer choice
  • Same levels of convenience, privacy, choice and cost-savings than in the US
  • Web-site allows borrowers to research, compare and apply for about 50,000 mortgage products online
  • Savings for customers by eliminating agents’ commissions; Accessing information from multiple lenders
  • Selecting from a wide range of products the option best suited to their individual needs
  • Plans for the future: The debt management concept
  • 10:20 KEYNOTE ADDRESS: FUTURE REGULATION AND COMPLIANCE

    Stuart Willey

    Stuart Willey, Chief Counsel, Investment Business, Financial Services Authority

  • The future legislation for the regulation of the online mortgage market
  • How will regulation apply to online mortgages?
  • Complying with the industry code of practice and meeting voluntary standards for financial advisers
  • Cross-border regulation and compliance issues
  • 11:00 Morning Coffee

    11:20 FINANCIAL ADVICE

    Toby Strauss

    Toby Strauss, Managing Director, Charcolonline

  • The role of the Internet in promoting choice
  • Providing a proposition to suit all customers - ‘Pure’ plays vs. ‘bricks & clicks’
  • How might the Internet change today’s mortgage market
  • 12:00 REGULATION OF MORTGAGES

    Tobias Mackie

    Tobias Mackie, Administrator-Financial Transactions and Payment Systems, European Commission (Internal Market DG)

  • Current jurisdiction and potential developments
  • Towards EU-wide regulation of on-line mortgages?
  • Towards a single market in mortgage credit?
  • Developing a code of conduct to ensure cross-border and domestic protection for lenders: to compare home loan prices in different countries
  • 12:40 Lunch

    13:40 GENERAL OVERVIEW

    Michael Fordham

    Michael Fordham, Business Development Director, Cap Gemini

  • Topical strategies and trends within the UK online mortgage market
  • Developing strategies to excel within the competitive environment of the UK online mortgage industry
  • The increasing importance of sound marketing and branding strategies to achieve optimum success
  • New entrants and their impact on the UK online mortgage market
  • The importance of the contribution of former owner occupiers on the mortgage market
  • A brief look towards the government regulation that affects the UK online mortgage market
  • 14:20 E-SERVICING: ENABLING CROSS BORDER LENDING

    Rik Douwes

    Rik Douwes, Chief Executive Officer, STATER - The Euroservicer

  • How to cut costs, streamline operations, retain brand name and cross-sell customers
  • The electronic aggregation of all parties in the mortgage process to accelerate lending operations and profits in primary and secondary markets
  • Buy vs build vs outsourcing to gain technological advantages
  • Outsourcing cross-border back office functions
  • The transition from traditional mortgage servicing to the ASP model
  • 15:00 CASE STUDY: AN INDEPENDENT MORTGAGE BROKER

    Anthony Webb

    Anthony Webb, Chief Executive, Independent Mortgage Brokers

  • Statistics: increase of the business it is writing
  • Typical loan values: past, present and previsions
  • Types of clients: ‘high net worth’ individual plus younger people. Where are they based?
  • Explosion of interest when it started, how it has changed?
  • What are the reasons for seeking online mortgages: young vs old generation?
  • 15:40 Afternoon Tea

    16:00 LEGAL ISSUES

    Zoe Ollerenshaw

    Zoe Ollerenshaw, Senior Associate, Masons

  • Distance Selling of Financial Services Directive
  • Financial Services and Market Bill
  • Electronic Communications Bill
  • E-Commerce Directive
  • Electronic Signatures Directive
  • Data Protection Act 1998
  • 16:30 CASE STUDY: FUTURE MORTGAGES

    Brian Pitt

    Brian Pitt, Sales and Marketing Director, Future Mortgages

  • How to differentiate your online lending website?
  • How an interactive web site can give you a competitive advantage?
  • Using technology to increase your profitability
  • Using technology to provide the ultimate customer service
  • 17:00 Chairman’s Closing Remarks and Close of Day One

    17:00 Chairman's Closing Remarks and Close of Conference

    17:10 Drinks Reception for Speakers and Delegates

    8:30 Re-registration and Coffee

    9:00 Chairman's Opening Remarks

    Toni Moss

    Toni Moss, Director of Business Development, STATER-The Euroservicer

    9:10 FUTURE OF ONLINE MORTGAGES

    Cassandra Gardiner

    Cassandra Gardiner, Director of E-Commerce, Mortgage Express

  • Communication
  • Evolution of the Internet
  • Changing lifestyles
  • How Mortgage Express will capture this potential
  • 9:40 VIRTUAL MARKETING

    Mik Hodsdon

    Mik Hodsdon, Head of Marketing, E-Commerce, Nationwide

  • How to make people come back to the web site
  • How to widen the brand online
  • What is the marketing strategy?
  • Role beyond just being a communications vehicle
  • Delivering E-service
  • How to become a portal and not just an online bank?
  • 10:20 CROSS BORDER LENDING: INTERNET MORTGAGE LENDER

    Peter Fredell

    Peter Fredell, Chairman, Europeloan

  • What are the legal issues?
  • Marketing strategy: using the same name and operations across borders
  • How to undercut traditional mortgage players
  • How to secure cheaper financing in the capital markets through securitisation?
  • What are the plans for the future: expanding its commerce in Germany, Belgium, Finland and Austria.
  • How to target markets? Main factors: degree of Internet penetration, how easy it is to get loan approval
  • 11:00 Morning Coffee

    11:20 CUSTOMER RELATION MANAGEMENT

    Richard Forsyth

    Richard Forsyth, Director, CRM Forum

  • Virtual customer intimacy will be the key success soon
  • How can customers be best served from the Web?
  • Achieving an integrated Web service?
  • Providing a personal customer service representative throughout the process
  • Integrating E-Mail into mortgage provision as a cost-effective channel for consumer interaction
  • 12:00 REGULATION OF MORTGAGES

    Mike Pullen

    Mike Pullen, Internet Lawyer, Dibb Lupton Alsop

  • Current jurisdiction and potential developments
  • Towards the establishment of a Europe-wide statutory regulation of mortgages?
  • Towards a single market in mortgage credit?
  • Developing a code of conduct to ensure cross-border and domestic protection for lenders, to compare home loan prices in different countries
  • Competition: comparison between UK and European market
  • 12:40 Lunch

    14:00 DEVELOPING MULTI-CHANNEL APPROACHES FOR PROVIDING E-MORTGAGES MULTI CHANNEL E MORTGAGES

    John Cummins

    John Cummins, Consultant in Financial Services, Atomic Tangerine

  • Simultaneous application of several technologies for E-Mortgage provision (e.g. Internet, WAP-Enabled devices, voice recognition, digital TV)
  • Improving customer acceptance of technology
  • Developing new value-adding information-based services
  • Developing and maintaining a strong brand across multiple delivery channels
  • 14:40 ONLINE MORTGAGES & SECURITY

    Chris Stokes

    Chris Stokes, Senior Consultant, Advanced Technology Centre, ICL Financial Services

  • E-Confidence: getting more comfortable with the process
  • Divulging personal information and financial information over the Internet
  • How to guarantee against online fraud
  • How to secure your web site
  • How can Internet mortgage lenders duplicate values of trust over the Internet?
  • Digital certificates and Public Key Infrastructures (PKI)
  • 15:20 Afternoon Tea

    15:40 MORTGAGE TECHNOLOGY

    Chris Heard

    Chris Heard, Director, Ifonline

  • Why take your business online?
  • What systems are available?
  • Processes required for implementation of mortgage services online - case study material from Ifonline
  • Thoughts on the kind of mortgage products best suited to online transactions
  • What incentives should you offer your customers?
  • 16:20 PRICING STRATEGY

    Mark Rennison

    Mark Rennison, Banking Partner, PricewaterhouseCoopers

  • General Market Forces and Pricing
  • Impact of Internet
  • Components of Pricing
  • E Distribution Profitability Model
  • Impact on Risk and Regulation
  • Future Developments
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