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As Zopa co-Founder and former CEO, James was a pioneer in peer-to-peer lending. Putting those with a small amount to invest in front of reliable borrowers has proved a successful business model, creating what is now globally £100bn sector. James is now helping organisations make more informed strategic choices and deliver more impactful innovation as part of FutureAgenda.org, the world’s largest open foresight programme and advisory in foresight, strategy and innovation. James tells a powerful founder story as a bridge into discussing and sharing practical approaches for disruption, innovation and foresight.

Kate is a retail futurist, delivering compelling analyses on the key shifts in consumer expectations, products and brands – all of which are transforming as a result of economic and social change and the technology revolution. Her findings show where to innovate and invest resources, and how to adapt using technology. In speeches, Kate takes a cross sector, global view of innovation and explores the interaction between brand and consumer, both online and offline.

The author of The Dark Net, The People Vs Tech: How the Internet is Killing Democracy (and How We Save It), and Radicals – Outsiders Changing the World examines the extremists, organisations, hackers, and subcultures that are influencing the digital world.

Originally an electronics engineer specialising in computing, Kate began her broadcast career on Tomorrow’s World. She has worked on programmes for the Open University, 5Live and ITV. Kate is a Patron of WISE – Women into Science, Engineering and Construction and was awarded a UKRC Women of Outstanding Achievement Award for her work in communicating science, engineering and technology.

The former banker was the first outsider brought in by the two founders of Skype. James has since built, advised and invested in a series of digital businesses, and also led the online transformation of Condé Nast brands like Vogue, GQ and Vanity Fair. James looks at the goals of disruptive businesses, the cultural challenges for ‘legacy companies’, and the potential impact of everything from AI to changes in the nature of work and talent.

Dave specialises in electronic payment and transaction technology and digital currencies. In presentations he weighs up perceptions and looks at the pitfalls of the death of money – especially the security issues. With mobile and contactless transactions commonplace, Dave accepts that proof of identity is key to new payment systems, but what are the implications if identity itself becomes a commodity? What opportunities might a cashless society uncover? And will the blockchain change transactions forever?

Daniel launched in-game advertising and developed bestselling video games before founding the online fashion company’s venture capital division. Scouring the world for innovations, he assembled a network of FashionTech talent and forged partnerships across marketing, production and imagery. In presentations Daniel considers the demand for instant experiences and relationships, how every business is becoming a tech business, and how to find and grow talent.

The author of Work Rules!: Insights from Inside Google That Will Transform How You Live and Lead led some of Google’s biggest workplace projects from using analytics to improve people management to how to construct the perfect team. He examines how Google became one of the most envied employers in the world, how to attract and retain the best people, work smarter and prepare for the future.

Wearing his business hat the former Shell scenario expert uses past precedents to explain the nature of innovation, looking at everything from transport and energy to technology and climate change. In a different vein, his new book examines the Ten Commandments in their true historical context. Rather than harshly imposed laws, the ten ‘devarim’ were a pioneering set of guiding principles to help a diverse community treat its members fairly.

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