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As Zopa co-Founder and 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 organisation make more informed strategic choices as part of FutureAgenda.org, the world’s largest open foresight programme. In presentations he examines disruption across a range of industries and considers how long-established organisations can drive innovation and be better prepared for the future.

Kate provides trend forecasts for retailers, products and brands. She analyses the key shifts in consumer expectations, retail and technology – tapping into a vast network of designers, architects, technologists, academics and strategists. Her findings show where to adapt, innovate and invest resources. In speeches Kate explores the behaviour of online shoppers, the use of café culture, the latest developments in GPS and the rise of ‘on-demand’ operators.

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. He also led the online transformation of Condé Nast brands like Vogue, GQ and Vanity Fair. As the second generation of disruptors take aim, James reveals their thinking and positive paranoia. He also explains why the challenge for ‘legacy companies’ is not technical implementation, but shifting cultural attitudes.

Dave specialises in electronic payment technology and digital money, including online and mobile. In presentations he weighs up perceptions and looks at the pitfalls of the death of money – especially digital security. With M2M 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?

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.

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.

Having studied physics, philosophy and computation neuroscience, Nick has become one of the world’s leading authorities on the nature and implications of artificial intelligence. The founding Director of Oxford University’s Future of Humanity Institute and the director of Oxford’s Strategic Artificial Intelligence Research Centre, his internationally acclaimed book Superintelligence has prompted debate and comment from the likes of Stephen Hawking and Elon Musk.

Rachel Botsman writes and talks about the power of collaboration and network technologies; she argues that it might have a bigger impact on our lives than the Industrial Revolution. New markets have opened up with ‘mass online democratisation,’ but with data at the centre it brings a risk of power merely moving from banks to web giants. Rachel explains why every industry must adapt to service networking, and why we all need to own our own data.

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