use speak for more formal presentations and lectures, and talk for more informal ones
When we refer to languages, we use speak:
How many languages do you speak?
I wish I could speak Italian.
Speak usually only focuses on the person who is producing the words
He spoke about the importance of taking exercise and having a good diet.
Talk focuses on a speaker and at least one listener, and can mean have a conversation
I hope I can meet you to talk about my plans for the company.
use speak on the telephone
Who’s speaking?