Join this wide-ranging 40-minute panel discussion on "Financial Software Solutions," featuring leaders from banking, investment management, and payment processing. The expert panellists are: Ed Patrick, Head of Business Alignment and Strategy, Technology Division at Legal and General Investment Management; Dave Smallwood, Managing Director UK&I at Mollie; and Simon Foley, Engineering Director, Workplace Pensions and Wealth at Lloyds Banking Group. The session begins by exploring current software projects and challenges, including advancements in UX, cyber security, and identity fraud, and discussing emerging technologies like tokenisation and blockchain. They also address how 'citizen development' of bespoke solutions is changing the required talent pool. The panellists delve into the critical debate of Build versus Buy, questioning how agile legacy financial institutions can truly be and how they compete with challengers like Mollie. They address the challenges of blending new software with existing legacy systems and debate the necessity of eventually switching to entirely new, cloud-only platforms. The discussion also covers the opportunities created as in-person payments shift to software-based solutions and how the skyrocketing cyber security threat and fraud are currently driving system development. Finally, the panel explores the key uses of AI in their organisations, discusses how they measure the ROI of new software, and outlines the best practices needed to ensure explainability, fairness, privacy, and regulatory compliance.