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George Davis
Founder & Chief Executive Officer
Lorum
George Davis is Co-Founder and CEO of Lorum, the correspondent institution for banks and fintechs. Lorum provides programmable access to global clearing, named account custody and treasury on a non-lending, 100% reserve model. George founded the company in 2023 alongside James Smith, after leading product at TrueLayer and co-founding BVNK. Lorum received principal approval from the OCC to establish Lorum National Trust Bank in New York.
Speaking at SFF 2026
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1:45–2:00pmThu 19 NovIgnite StageHall 5, Singapore EXPOOpen
Technology Rewiring
Why Incentives Are Misaligned in Global Banking - Powered by Lorum
About this session
Incentives are misaligned in global banking. Large banks run networks that cannot serve today's FI volume at a viable cost, so mid-market firms turn to challenger banks that fund lending with client float. Clearing, custody and liquidity are fiduciary and belong in a 100% reserve model. Attendees leave knowing where operational money should sit.
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4:20–4:50pmThu 19 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
Balance Sheet Strategy in Money 3.0
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Emma HaganChief Executive OfficerClearBank UK
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George DavisFounder & Chief Executive OfficerLorum
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Nischint SanghaviHead of Digital Currencies, APVisa
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Kirit BhatiaChief Digital Assets OfficerBanking Circle
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Olivia MarzukiPresenterCNA (Channel NewsAsia)Moderator
About this session
For CFOs and treasurers, programmable money is not a thesis, it's an allocation decision. Where does settlement risk really sit when value moves in real time, and who carries the exposure? How does tokenisation rewrite collateral management and intraday liquidity? What does the yield/risk trade-off look like across deposits and other forms of money, and what happens to deposit insurance and the lender of last resort when money is code? The question boards are starting to ask: whose balance sheet does each instrument sit on, yours, your bank's, or nobody's? And are balance sheet light banking models the safer answer? A working session for the people who answer with real money.
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