Computer programming is the process of designing and building an executable computer program for accomplishing specific computing task. Programming involves tasks such as: analysis, generating algorithms, profiling algorithms' accuracy and resource consumption, and the implementation of algorithms in a chosen programming language (commonly referred to as coding). The source code of a program is written in one or more languages that are intelligible to programmers, rather than machine code, which is directly executed by the central processing unit. The purpose of programming is to find a sequence of instructions that will automate the performance of a task (which can be as complex as an operating system) on a computer, often for solving a given problem. The process of programming thus often requires expertise in several different subjects, including knowledge of the application domain, specialized algorithms, and formal logic.
Tasks accompanying and related to programming include: testing, debugging, source code maintenance, implementation of build systems, and management of derived artifacts, such as the machine code of computer programs. These might be considered part of the programming process, but often the term software development is used for this larger process with the term programming, implementation, or coding reserved for the actual writing of code. Software engineering combines engineering techniques with software development practices. Reverse engineering is the opposite process. A hacker is any skilled computer expert that uses their technical knowledge to overcome a problem, but it can also mean a security hacker in common language.
FinovateFall2020
14 -18 SEPTEMBER 2020
Sponsored by
Accusoft
Contents
Dealing with the a new digital normal
Digital focus
Greg Palmer, VP at Finovate, explores
how the fintech industry can return to the
fundamentals.
Thought leadership
Making the cost of compliance work for
you and against the fraudsters
Analysis
Why remote onboarding is going to make
or break banks
Industry comment
04
08
10
14
17
MANAGING DIRECTOR
AND EDITOR-IN-CHIEF
Tanya Andreasyan
tanya.andreasyan@fintechfutures.com
+44 (0) 207 551 9010
EDITOR
Sharon Kimathi
sharon.kimathi@fintechfutures.com
+44 (0) 207 551 9010
DEPUTY EDITOR
Alex Hamilton
alex.hamilton@fintechfutures.com
+44 (0) 207 017 4343
REPORTER
Ruby Hinchliffe
ruby.hinchliffe@fintechfutures.com
+44 (0) 207 017 5709
SALES MANAGER
Jon Robson
jon.robson@fintechfutures.com
+44 (0)203 377 3327
BUSINESS DEVELOPMENT
EXECUTIVE
Sam Hutton
sam.hutton@fintechfutures.com
+44 (0)20 7017 7017
MARKETING MANAGER
David Taylor
david.taylor@fintechfutures.com
MARKETING EXECUTIVE &
DESIGNER
Kiran Sandhu
kiran.sandhu@fintechfutures.com
+44 (0) 207 017 7377
ONLINE
www.fintechfutures.com/finovatefall2020
PRODUCED & PUBLISHED BY
FinTech Futures
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FinovateFall is an independent
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Futures. FinTech Futures is part
of Informa Connect, an Informa
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All rights reserved; FinovateFall material
may not be reproduced in any form
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Published by
Ruby Hinchliffe talks all things open
banking with the founder of Deutsche
Bank’s API programme.
Interview
The road to a cashless society
Research
12
Why Banking-as-a-Service is fintech’s
newest trend
Insight
06
WELCOME | FINOVATEFALL 2020
Editor’s note
The financial services sector is no
stranger to adaptation, often paving the
way for implementing digital solutions.
From normalising the use of compu