's Werelds grootste innovatie-evenement voor betalingen en financiële diensten
Sponsor en tentoonstelling
Money20 / 20 biedt bedrijven van elke omvang de mogelijkheid om helder te schijnen en het meest geëngageerde publiek te bereiken dat een directe revolutie teweegbrengt in de toekomst van geld.
Bel voor inhoud
Wilt u revolutionaire ideeën delen die het meest invloedrijke publiek in onze branche zullen opvoeden, inspireren en betrekken? Bekijk onze stapsgewijze handleiding om te spreken op Money20 / 20.
Startup Pitch
Startup Pitch at Money20 / 20 is de meest exclusieve opstartuitdaging van het FinTech-ecosysteem en brengt fascinerende startups samen in AI, vermogensbeheer, biometrie, betalingen en meer.
Betrokken raken
Doe met ons mee om een integraal onderdeel te zijn van het meest verwachte evenement van 2018, waar leiders in Payments, FinTech en Financial Services de toekomst van geld zullen revolutioneren.
9:55am
Digital Identity & Biometrics Track: Chairperson's Welcome
Bianca Lopes
Globalization Track: Chairperson's Welcome
Henri Arslanian
Regulation & Regtech Track: Chairperson's Welcome
Jo Ann Barefoot
AI & Deep Learning Track: Chairperson's Welcome
David Shrier
10:00am
Self-Sovereign Identity: What, When, Why, How & You
Heather Vescent
The Emergence of Regtech & the Future of Regulatory Compliance
Jo Ann Barefoot • Nick Cook • Christopher Sidler
APAC's Fintech Stars (and Rising Stars): It’s a Platform Play
Henri Arslanian • Melissa Guzy • Victoria Liu Edison • Andy Li • Yoshiki Yasui • Eagle Yi • Jack Zhang • Arthur Zhu
10:10am
Automation in Financial Services: Hype vs. Reality
Kartik Gada • Sriniketh Chakravarthi • David Herberich, Ph.D. • Martina King • Bob Legters • Greg Michaelson • Gregory Simpson
10:20am
Identity Around the World: Global Case Studies in Digital ID
Dave Birch • Bianca Lopes • Joni Brennan • Alfy Louis • Brett McDowell • Andrew Nash • Steve Pannifer • Gonzalo Diaz Solá • Filip Verley
10:40am
The ABCs (and KYCs) of GDPR and PSD2
Richard Barbieri • Robert Prigge • Judie Rinearson
11:30am
Humans + Machines: AI & the Future of Work
Paula O'Reilly • Jeremy Balkin • Nick Sokolich
Both Sides of the Pond: Global Perspective on Regulating Fintech
Moderator to be announced • Lord Digby Jones
12:55pm
AI & Deep Learning Track: Chairperson's Welcome
David Shrier
Digital Identity & Biometrics Track: Chairperson's Welcome
Bianca Lopes
Globalization Track: Chairperson's Welcome
Henri Arslanian
Regulation & Regtech Track: Chairperson's Welcome
Jo Ann Barefoot
1:00pm
Robophobia: Why We Fear AI & How to Embrace Its Potential
David Shrier • John D'Agostino
AI & Biometrics Superheroes, Fighting Fraud Together
Peter O'Neill • Raffie Beroukhim • Javier Mira • Todd Mozer • Frances Zelazny
Scaling & Investing in Global Fintech: Lessons from EMEA
Varun Mittal • Gary Conroy • Raja Al Mazrouei
Practical Advice on Weathering Regulatory Climate Change
Matthew Van Buskirk • Thomas Curry • Raj Date • Richard Neiman • Jan Owen
1:50pm
Voicebot Revolution: AI is Reinventing Everyday Money Management
Moderator to be announced • Sofia Altuna • Ken Dodelin • Peggy Mangot • David Sosna
CLEAR-ing a Frictionless Future with Biometrics
Moderator to be announced • Caryn Seidman Becker • Andrew Green • David Young
The State of Fintech in Latin America
Philipp Bock • Marisol Menéndez Alvarez • Manuel Silva • Alphonse Voigt • Edwin Zacipa
The Regulatory Environment Can Help Fintech Thrive (or not)
Manny Alvarez • Chris Camacho • Melissa Koide • Duane Pozza • Paul Watkins
2:40pm
The Power of AI for Real Identity Verification
Dan Rosen • Dr. Arif Ahmed • Sunil Madhu • Frank Villavicencio
Is Blockchain the Future of Digital Identity?
James Mirfin • Vinny Lingham • Joseph Weinberg
It's A Small World After All: Can X-Border Pay Be Frictionless?
Souheil Badran • Jeffrey Hochstadt • Mike Massaro • Amanda Mesler
The Next Gen Regulator: Building a Digital Economy
Pat Patel • Sopnendu Mohanty
3:20pm
Can a Secure & Private Digital ID Still Allow Us to Enjoy Life?
Bianca Lopes • Megan Heinze • Jenny Openshaw
IndiaStack: The World's Model for a Digital-First Economy?
Amit Goel • B. Amrish Rau
Future of Financial Regulation Town Hall
Jo Ann Barefoot • Thomas Curry • Sopnendu Mohanty • Jan Owen
4:00pm
Welcome & Session Opening
Tracey Davies • Chloé James
4:05pm
Is There Wealth Beyond the Wealthy?
Frank Cooper III
4:25pm
The Trust Imperative: Earning the Right to Manage People’s Money
Deidre Campbell • John Shrewsberry
4:45pm
Micro-Platforms: The New Engines of the Online Economy
Claire Hughes Johnson
5:05pm
Paving a Path to Financial Liberation
John Hope Bryant
5:25pm
Session Wrap-Up
Chloé James
8:25am
Banking & Personal Finance Track: Chairperson's Welcome
David Poole
Cybersecurity & Fraud Track: Chairperson's Welcome
Sean Sposito
Fintech for Social Good Track: Chairperson's Welcome
Vikas Raj
Next Gen Commerce & Retail Track: Chairperson's Welcome
Michelle Tinsley
8:30am
Bank Transformed: Embrace Change, Take Risks, Disrupt Yourself
Jim Marous
Fintech Trends Driving the Greatest Social Impact in 2019
Maya Chorengel • Michael Schlein
Commerce 2040: Redefining How & Where Consumers Shop
Michelle Evans
9:00am
Designing a Fintech from Scratch, Starting with the Customer
Peter Jackson • Dave Fanger • Carl Fudge
Managing the Security Risks of Fintech Innovation
Robert Hackett • Philip Martin • Mårten Mickos
Driving Financial Inclusion: Why Cutting Edge Tech is No Panacea
Angela Strange • Tim Chen
A Commerce Conversation with Discover's New President & CEO
Jordan McKee • Roger Hochschild
Wake Up with the CEOs: Leaders Paving the Way
Brian Kelly • Bob Hoey • Simon Paris • Mike Praeger • Shivani Siroya
9:40am
To be announced
Taavet Hinrikus
Beyond Bug Bounty: Crowdsourcing Ethical Hackers
Jay Kaplan • Mikhail Sosonkin
Measuring Financial Health to Hold Ourselves Accountable
Jennifer Tescher
The Carvana Story: Fintech & the Next Gen Car Buying Experience
Moderator to be announced • Ernie Garcia III
10:00am
Ask Me Anything About Cybersecurity
Sean Sposito • Jay Kaplan • Philip Martin • Mårten Mickos • Mikhail Sosonkin
10:10am
Debate: Will Blockchain Replace Today's Payments Platforms?
Tony Hayes • Esther Pigg • David Schwartz
Reliving the Dream: Solving America’s Financial Health Crisis
Jennifer Tescher • Scott Sanborn
Pandora’s Technical Founder Spins a New Tune for Checkout
Will Glaser
10:15am
The Fintech Revolution Track: Chairperson's Welcome
John Rampton
10:20am
Guns, Drugs & Heels: Societal Change & Fintech
Kathryn Petralia
Startup Pitch at Money20/20 - Group 1 Semifinals
Emmalyn Shaw • David Weiden • Ben Malka • Mikhail Avady • Paul Birkness • Chinmay Jain • Eric Jepsky • Sunil Jhamb • Aditya Khurjekar • Akshay Krishnaiah • Tyler McIntyre • Eli Calderón Morin • Samaneh Pourjalali • Michael Rangel • Scarlett Sieber • Kristin Stafford • Qiao Wang • David Washbrook • Zack Yang • Henry Yoshida • Matthew Zarracina
10:50am
Opening Remarks
Tracey Davies
It's Time for the Digital Transformation of Insurance
Laurent Nizri • Rina Pandallai • Scott Walchek
Tales from the Cypto Castle
Jeremy Gardner • Ryan Breslow • Andy Bromberg • Jinglan Wang
10:55am
Rise Up! A Wall Street Revolutionary Creates Her Own Path
Nathan Richardson • Sallie Krawcheck
11:15am
The Future of Banking: Fintech or Techfin?
Jim Marous • Vanessa Colella • Derek White
11:20am
Fee Fatigue: Rethinking Bank Business Models
Schwark Satyavolu • Dee Choubey • Lindsay Holden • Ron Shevlin • Jason Wilk
11:35am
gradually, then suddenly: the unbundling of the bank
Anand Sanwal
11:55am
Session Wrap-Up
Chloé James
12:00pm
CMO Power Lunch: Marketers Making Their Mark
Moderator to be announced • Andrea Gellert • Frank Cooper III • Maya Mikhailov
12:55pm
Banking & Personal Finance Track: Chairperson's Welcome
David Poole
Cybersecurity & Fraud Track: Chairperson's Welcome
Sean Sposito
Fintech for Social Good Track: Chairperson's Welcome
Vikas Raj
Next Gen Commerce & Retail Track: Chairperson's Welcome
Michelle Tinsley
The Fintech Revolution Track: Chairperson's Welcome
John Rampton
1:00pm
Conversational AI: A Banking Revolution in Any Language
Jason Mars
Open Banking: What's Been Achieved? What's the Commercial Case?
Philippe Dintrans • Megan Caywood • Ed Maslaveckas • Zach Perret • Jeroen Plag
Fraud Whack-a-Mole: Securing Payments in a Post-EMV Chip World
Casey Merolla • Brian Byrne • Jim Hickman • Ken Meiser • Tom Poole • Laura Spiekerman
Uplifting Consumers & Economies by Improving Access to Capital
Kai Schmitz • Brendan Carroll • Sergio Furio • Nicky Goulimis • Shivani Siroya
How Tech is Transforming Commerce for SMBs
Lynsey Thornton • Brandon Chu • Jack Connors • Nmachi Jidenma • Mai Leduc
Startup Pitch at Money20/20 - Group 2 Semifinals
Pascal Bouvier • Ben Narasin • Jillian Williams • Monica Brand Engel • Scarlett Sieber • Saroop Bharwani • Samir Bhatia • Matthew Cheers • Landon Ewers • Joe Falit • Mark Hamm • Matthew Hammond • David Helene • Tomer Kashi • Adrian Kennedy • Aditya Khurjekar • Nina Krishnan • Laurie Rowley • Derek Sanford • Salil Sankaran • Colton Seal • Jeremy Welch
1:20pm
Unveiling the Future of Voice-Powered Conversational Commerce
Will Graylin
1:30pm
PPRO Presents: Payments Jeopardy!
Simon Black
1:50pm
How Payments Tech is Enabling Game-Changing Retail Experiences
Moderator to be announced • Alyssa Cutright • Kamran Zaki
Design for Prosperity
Dan Makoski
Big Innovation from Smaller Banks
Jim Marous • Shawn Ahmed • Jill Castilla • Rilla Delorier • Kristopher Kovacs
Real Stories from the AI Arms Race in Cybersecurity & Fraud
Sean Sposito • Clay Wilkes • Pedro Domingos • Michael Reitblat
Financial Inclusion: Honest Conversation About Successes & Failures
Arjan Schütte • Michael Kent • Steve Streit
2:10pm
RIP Credit Cards? Emerging Models for Buy Now, Pay Later
Steve Mott • Darrell Esch • Michael Rouse
Humanizing the Experience in Retail
Kevin Lee • Gavin Lew
2:40pm
Hate the Fraudster, Not the Game
Brad Wiskirchen • Scott Adams • Nina Diatchenko • Dean Takahashi
The Power of an Ecosystem: Retail Embraces the Digital Economy
James Wester • Gary Marino
Building Trust with Consumers: Explainable AI & the Future of Underwriting
Jenny Surane • Margaret Keane • Douglas Merrill
The F'in Debate: USA vs. The World
Simon Taylor • Sarah Kocianski • Sam Maule • Derek White
The Democratization of Financial Advice
Catherine Berman • Maya Chorengel • Jeffrey Cruttenden • Noah Kerner • Theodora Lau • Jay Shah
Doing the Right Thing: Social Responsibility & Fintech
Kirsten Trusko • Jane Barratt • Andrei Cherny • Carol Grunberg • Hector Pages • Dr. Anita Ward
2:50pm
Freaky Friday: What Happens When Investors Pitch to Founders?
Scarlett Sieber • David Blumberg • Tricia Kemp • Brandon Krieg • Bá Minuzzi • Adam Roseman • Harshul Sanghi • Will Summerlin
3:20pm
Regtech Revolution: A New Era of Digitally-Native Regulation
Jo Ann Barefoot
Cyber Superheroes: Fighting Payments Crime with Technology
Julie Conroy • Ellen Richey
You’re Driving Consumers Back to the Storefront… Now What?
Jordan McKee • Michel Léger
4:00pm
Session Opening
Chloé James
Bank of the Future: It Might Not Be What (or Who) You Expect
Jason Gardner • Chris Britt • Ryan Gilbert • Ricky Knox • Nicolas Kopp
4:05pm
Empowering Main Street: Helping SMBs Survive & Thrive
Bill Ready
4:25pm
The World Beyond Cash: Tech is Shaping the Future of Payments
Caesar Sengupta
4:45pm
Money20/20 Hackathon Grand Prize Winner
Speakers to be announced
4:50pm
Nuno & Sir Richard Branson: New Tech, New Banks, New Frontiers
Nuno Sebastiao • Sir Richard Branson
5:25pm
Session Wrap-Up
Chloé James
8:25am
Alternative Lending & Credit Track: Chairperson's Welcome
Jason Goldberg
Blockchain & Crypto Track: Chairperson's Welcome
Ian Khan
Digital Marketing & CX Track: Chairperson's Welcome
Robert Schiff
Payments & Platforms Track: Chairperson's Welcome
Scott Harkey
8:30am
Helping Consumers Unlock their Credit Potential
Jeff Kauflin • Renaud Laplanche
The Rise of Blockchain Cities
Ian Khan
You Know My Name, Look Up the Number: Building Brand Narratives
Jennifer Prosek • Andrea Brimmer
Merchants Deserve Better: Improving LTV with Unified Payments
Suneera Madhani
9:00am
Prime (and Non-Prime) Time for Online Lending
Moderator to be announced • David Kimball • Ken Rees
Privacy in the Digital Age
David Bailey • David Chaum
Samsung & HSBC: Applied Mobile Innovation for the Customer Experience
Moderator to be announced • Jeremy Balkin • Julie Godfrey
The Uberization of Business Payments
Rob Mau • Scott Galit • René Lacerte
Wake Up with the CEOs: Leaders Paving the Way
Brian Kelly • Bob Hoey • Anil Arora • Antony Jenkins • Jennifer Tescher • Keith Williams
9:40am
It’s What the Customer Perceives You Do That Matters
Rob Frohwein
Dashing to the Future of Money
Ryan Taylor
Empathy in the Machine Age: Data Science Powering Creativity
Hicham Oudghiri • Frank Cooper III
P2P Payments: Can the Banks Give Fintechs a Run for Their Money?
Ulrike Guigui • Jamie Armistead • Debbie Gamble
10:10am
Ask Me Anything About Online Lending
Kim Gerhardt • Rob Frohwein • David Kimball • Renaud Laplanche • Ken Rees
ICOs, Air Drops & the Future of Regulating Decentralized Money
Moderator to be announced • Marco Santori
Virtual, Augmented or Mixed: Is XR the New Reality for CX?
Cleveland Brown • Stephanie Llamas • Jason Welsh
New Insights on Consumer Behavior & Usage of Digital Payments
Marie-Claude Nadeau • Spencer Spinnell
10:15am
The Fintech Revolution Track: Chairperson's Welcome
Dan Simon
10:20am
Breaking News & Fintech Views Track: Chairperson's Welcome
Jayme Danielson
Digital Humans & The Fintech Revolution
Chris Skinner
10:25am
What's Next in Personalized Data-Driven Consumer Finance
Varun Krishna
10:45am
A Bold New Solution for Inclusive Payments
Joe Mach
10:50am
Session Opening
Chloé James
Now You See Them, Now You Don’t: It’s All in the Cards
Kim Crawford Goodman
The Anthropology of Money
Dr. Taylor Nelms • Speakers to be announced • Jason Gardner • Tom Villante
10:55am
Lost in Transaction 2018: Futureproofing SMBs Through the Checkout
Todd Linden
Hey Alexa, What’s Next for Voice Commerce?
Deirdre Bosa • Patrick Gauthier
11:10am
WorldFirst Launches World Account for U.S. Small Businesses
Jeff Parker • Jonathan Quin
11:15am
Smarter Cities: The Role of Tech in Solving Urban Challenges
Trudy Norris-Grey • Michael S. Rawlings • Craig Vosburg
11:20am
The Banking Revolution: Green Dot & Stash Introduce STASH Money
Brandon Krieg • Brett Narlinger
4 Days to 4 Seconds: Blockchain & Global E-Commerce Payments
Brendan Miller • Asheesh Birla • Victoria Liu Edison • Sebastian Kanovich • Dan Vogt
11:30am
Disrupting Credit Scoring: The Future is Mobile
Evan Chrapko
11:35am
Direct-to-Consumer Revolution: Fueling the New World Economy
Harley Finkelstein
11:40am
Business Buying in a Digital World
Courtney Kelso
11:55am
Session Wrap-Up
Chloé James
12:00pm
Breaking News & Fintech Views Track: Closing Remarks
Jayme Danielson
CMO Power Lunch: Marketers Making Their Mark
Jenifer Berman • Teresa Barreira • Julie Loeger • Bob Lord • Kelly Wenzel
12:55pm
Alternative Lending & Credit Track: Chairperson's Welcome
Jason Goldberg
Blockchain & Crypto Track: Chairperson's Welcome
Ian Khan
Digital Marketing & CX Track: Chairperson's Welcome
Robert Schiff
Payments & Platforms Track: Chairperson's Welcome
Scott Harkey
The Fintech Revolution Track: Chairperson's Welcome
Dan Simon
1:00pm
Breaking News & Fintech Views Track: Chairperson's Remarks
Chris Skinner
Navigating Regulatory Challenges & Uncertainty for Alt Lending
Cornelius Hurley • Chris Campbell • Gilles Gade • Gregory Meeks
The Future of Blockchain: Predictions for the Year 2030
John Beccia • Jill Carlson • Bobby Lee • Matthew Roszak
The Loyalty Singularity: The Future of Customer Engagement
Thad Peterson • Trisha Asgeirsson • Gerardo Capiel • Gaurav Misra
What's Next for Secure Remote Commerce?
Scott Harkey • TS Anil • Jaromir Divilek • Ricardo Leite • Jess Turner
Fintech's Unsolved Mysteries: New Revenue Models Beyond Credit
Aaron Fine • Brad Leimer • Sarah Morgenstern
1:10pm
Cloud Banks: What's the Forecast?
Pascal Bouvier • Scott Mullins
1:30pm
SoFi Beyond Lending: Building Daily Relationships with Members
Deirdre Bosa • Anthony Noto
Money20/20 USA Payments Race: The Finale & Behind the Scenes
Ali Paterson • Nina Mohanty
1:50pm
Creating a New Banking Experience: More Diverse, Open & Fair
Chloé James • Antony Jenkins
Self-Driving Money
Dan Carroll
Untapped SMB Opportunities: Where is the Data Leading Us?
Karen Gordon Mills • Gina Taylor Cotter • Eyal Lifshitz • Sebastian Rymarz • Shivani Siroya
Wall Street 2.0: Will Blockchain Revolutionize Finance?
J. Dax Hansen • Olga Feldmeier • Trevor Koverko • Dan Morehead • Jennifer Peve
Next-Level Digital Gifting: Enhancing the Customer Experience
Monika Kochhar • Jude Reter • Amit Shah • Nicola Thompson
Hey Payments Innovators, The Customer is Always Right
John Drechny • Kenneth Grogan • Dee O'Malley • Bryan Penny
2:10pm
Fintech 2.0: Collaboration + Innovation = Celebration!
Moderator to be announced • Bruce Parker • Rick Striano
More on the Rise of Autonomous Finance
Ken Lin
2:30pm
Marcus by Goldman Sachs: What to Do (and Not to Do) in Banking
Omer Ismail
Fintech Insider Live
Sam Maule • Simon Taylor • Sarah Kocianski • Matt Loos • Ian Ormerod
2:40pm
The Looming Recession: Survive, Thrive or Die
Julie VerHage • Sasha Orloff • Frank Rotman
Project Ubin & Project Jasper: Central Bank Digital Money
Robert Ruark • Sopnendu Mohanty • Craig Ramsay • André Usche
How Emerging Tech Can Drive World-Class Customer Experiences
Dan Stephens • Bob Lord
Payments Interchange Fees: Ubiquitous Today, Replaced Tomorrow?
Matt Harris • Omri Dahan • Dan Van Dyke • Jeff Shinder
Digital Identity & Payments Collide!
Brendan Miller • Greg Kidd • Ben Milne
2:50pm
Trigger an Avalanche: Digital Lending Platform Strategies
Moderator to be announced • Pablo Sanchez
3:10pm
Banks & Fintech Startups: Do They Need Each Other?
Anna Irrera • John Stecher • Jon Zanoff
3:20pm
What You Don't Know About Gen Z: Surprising New Research
Josh Rathour
The Next Wave of Innovation in Online Small Business Lending
Moderator to be announced • Noah Breslow
How Blockchain Tech is Revolutionizing Loyalty & Advertising
Brian Behlendorf • Aimee Cardwell • Chris Cracchiolo • Gabe Greenberg
How Tech Can Lyft Everyday Life for Priceless Brand Loyalty
David Baga • Sherri Haymond
Up, Up & Away: ISOs, ISVs & the Future of PayFacs
Beth Horowitz Steel • Todd Ablowitz • Matt Doka • Kasturi Mudulodu
3:30pm
Bank of America Takes Predictive Intelligence to New Heights
Moderator to be announced • Michelle Moore • David R. Poole
3:50pm
Breaking News & Fintech Views Track: Chairperson's Remarks
Chris Skinner
4:00pm
Session Opening
Chloé James
Return of the Planet of the APIs: The New Payments Ecosystem
Jordan McKee • Nancy Gleason • Mark Ranta • Leo Rocco • Anupam Sinha
2018 BBVA Open Talent: Finalist Presentations
Speakers to be announced
4:05pm
What’s the Next Phase for Crypto?
Robert Hackett • Katie Haun • Asiff Hirji
4:25pm
AI in Wealth Management: Revolution or Evolution?
Naureen Hassan
4:45pm
Meet Interstellar: Tokens as the New Format for Value
Dave Birch • Adam Ludwin • Jed McCaleb
5:05pm
Startup Pitch at Money20/20 - Final Pitch-Off & Awards
Chloé James • Katie Haun • Adam Roseman
8:30am
Diving Into AI: Three Fintech Use Cases & What You Need to Know
Phong Q. Rock • Pedro Bizarro • Dr. James McCaffrey • Dror Oren
Globetrot Commerce: A Tour of Digital Payments on 4 Continents
Daniel Chatelain • Iyinoluwa Aboyeji • Philipp Bock • Pascal Burg • Lia Cao • Munya Chiura • Yves Eonnet
Oxford's Blockchain Essentials: Bits, Blocks, Tokens & Ledgers
David Shrier
Research Proves a Positive Correlation: Diversity to Bottom Line
Carol Grunberg • Marie-Claude Nadeau
9:00am
Wake Up with the CEOs: Leaders Paving the Way
Brian Kelly • Bob Hoey • Cleveland Brown • Will Lansing • Suneera Madhani • Ken Rees
Facebook's Guide to Digital Marketing: Unlocking Business Growth
Speakers to be announced
10:40am
Session Opening & 2018 BBVA Open Talent Winner
Chloé James
10:45am
Blockchain, Celebrity & Social Impact: Akoin Powers a New Stable Currency
Gabe Greenberg • Akon • Jon Karas
11:05am
New Frontiers in Credit Risk Scoring for a Customer-Centric Era
Regis Hadaris • Will Lansing • Steve Smith • Gregory Wright
11:20am
Grabbing Asia & Beyond: The Rise of Tech Platforms
Moderator to be announced • Reuben Lai • Jason Thompson
11:40am
The Ripple Effect
Arjan Schütte • Chris Larsen
12:00pm
Session Wrap-Up
Chloé James
High