Five published days, read as one ascent through Amsterdam

Registration, welcome coffee & executive networking Badge collection, event app access, room orientation. Curated introductions between banks, fintechs and strategic partners.

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AI governance & model risk

• Define what trusted AI-driven finance means for banks in 2027–2030.
• Link customer value, transparency and control to scalable AI adoption.
• Address model risk, explainability and governance guardrails.

Published attribution: Rita Gnutti · Head of Internal Validation and Controls · Intesa Sanpaolo · Italy

AI governance with a special emphasis on Agentic Systems

• Move from isolated AI pilots to enterprise-wide architecture and delivery.
• Align data foundations, leadership sponsorship and operating model change.
• Measure AI ROI across productivity, risk, cost and customer outcomes.

Published attribution: Oliver Maspfuhl · Head of Anti Financial Crime Modelling Germany & EMEA · Deutsche Bank · Germany

Data, AI enablement & intelligent automation for bank operations

• Link data enablement, intelligent automation and system integration to operational performance.
• Identify automation opportunities that reduce manual work without weakening control.
• Use AI-enabled workflows to improve consistency, speed and traceability.

Published attribution: Gladson Baby · VP & Director of Data & AI Enablement · Fifth Third Bank · US

Scaling AI responsibly: leadership playbook for AI risk & compliance

• AI is rapidly moving from pilot phase into broad deployment within banks.
• Setting up guardrails and continuous monitoring become essential to stay in control.
• The regulator should be taken along the AI journey — they need to be guided.

Published attribution: Frans Vanbruggen · Werkgebied Lead · AI Coalitie 4 Nederland (AIC4NL) · Netherlands

AI Governance: mitigating the risks of AI to unlock its true value

• Turn AI governance from policy documentation into daily operating practice.
• Clarify ownership across model risk, compliance, technology and business lines.
• Build evidence trails, control towers and continuous monitoring routines.

Published attribution: Dr. Paul Dongha · Head of Responsible AI & AI Strategy · NatWest Group · UK

AI-driven banking by 2030: from transformation ambition to measurable execution

• Translate AI, data and digital transformation strategy into bank-wide execution.
• Identify the capabilities required for AI-driven banking by 2030.
• Link leadership alignment, governance and value measurement.

Published attribution: Alina Timofeeva · Managing Partner — AI, Data & Digital Transformation · Saudi Arabia

From Process Scans to Scalable Execution: Building Human & Machine Operating Models

• Re-imagine key processes according to future needs.
• Build operating models of human & machine working together in scalable, efficient setup.
• Real case examples from the Groupwide Transformation Program at KBC Group.

Published attribution: Zsofia Kovacs · Efficiency Advisor, Group Organisation & Operations · KBC Bank & Verzekering · Belgium

Networking break Refreshments, peer exchange, targeted 1:1 meetings. Preparation for AI operating-model sessions.

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Case study: AI & machine learning in operations and fraud detection

• Explain where AI and machine learning create value across operations and fraud detection.
• Identify model, data and control requirements for safe deployment in regulated banking.
• Move from alert-heavy monitoring toward actionable operational intelligence.

Published attribution: Hassan Omidi Firouzi · VP, Applied AI ML Lead · JPMorgan Chase & Co. · US

Human resilience in AI-driven banking

• Explore why human resilience becomes critical as banks adopt AI-driven operating models.
• Support leadership, adaptability and change readiness across transformation teams.
• Reduce fatigue and resistance during technology-led change.

Published attribution: Dilek Süzal · Leadership Coach · BetterUp · Austria

Credit risk management, related modelling and stress testing in an era of trade wars: the AI solution

• Convert fragmented data into reusable business data products.
• Link payments, credit, fraud, stress testing and customer insights.
• Improve data ownership, quality and governance for AI use cases.

Published attribution: Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE

Networking lunch Hosted lunch with speaker and delegate introductions. Informal discussions around AI adoption, operations and governance.

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Afternoon panel discussions Multi-bank panels on AI scaling, governance, and human resilience across both rooms.

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Networking reception Day 1 closes with informal networking and partner meetings.

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Chairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders.

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Corporate digital identity management

• Position digital identity as core banking infrastructure, not a back-office utility.
• Explore wallet-based identity, verified credentials and organisational identity.
• Support cross-border onboarding and trusted customer access.

Published attribution: Stephan Wolf · Chair of the Board · Verifiable.Trade Foundation · Germany

Digital trust in AI-led banking · risk, audit and cyber oversight at board level

• Link AI-led banking with board-level risk, audit, compliance and cyber oversight.
• Define how digital trust can be governed across customer journeys and internal operations.
• Assess cyber and control questions when AI becomes embedded in banking.

Published attribution: Dr. Björn Lenzmann · Member of The Supervisory Board · DenizBank · Turkey

User centricity in cybersecurity · UX research and behavioural science

• Examine deepfakes, synthetic identities and evolving scam typologies.
• Use liveness, device trust and behavioural analytics for real-time defence.
• Strengthen digital provenance and evidence for disputes.

Published attribution: Nazima Kadir · Global Head of UX: Cybersecurity · J.P. Morgan · UK

Custody, governance and operational controls for digital assets

• Define the custody and control requirements for regulated digital-asset operations.
• Strengthen governance across wallets, keys, reconciliation and transaction oversight.
• Manage operational, counterparty and compliance risks across digital-asset workflows.

Published attribution: Lubin Reyes · Founder and CEO · Custodial Management Solutions Ltd · UK

Continuous identity assurance

• Scale passkeys and phishing-resistant authentication across channels.
• Design recovery journeys that do not weaken security.
• Move beyond one-time KYC toward continuous assurance.

Published attribution: Zafer Ergezen · Practice Lead/Director — KYC, CDD & Onboarding · GarantiBank International NV · Netherlands

Networking break Coffee and 1:1 meetings. Peer exchange on digital identity, cyber and fraud priorities.

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Cloud resilience and concentration risk in regulated banking

• Assess cloud resilience as a board-level operational-risk priority.
• Map concentration, supplier and recovery risks across critical banking services.
• Improve monitoring, testing and continuity planning for cloud-based environments.

Published attribution: Eran Goldman Malka · Cloud Security Manager · European Depositary Bank SA · Luxembourg

Navigating AI, Operational Resilience and Regulatory Evolution (DORA)

• Address DORA-driven resilience challenges, third-party dependencies and concentration risk.
• Improve AI governance and board-level cyber-risk oversight.
• Combine real-time incident management with informed decision-making and root-cause remediation.

Published attribution: Ricardo Galvao · ICT Risk, Processes & Quality · NOVO BANCO · Portugal

Fraud accountability: governance, liability and customer-protection controls

• Clarify fraud accountability across business, operations, compliance and technology.
• Prepare for evolving liability expectations and customer-protection standards.
• Strengthen monitoring, reporting and escalation for fraud-risk decisions.

Published attribution: Ezra Dulberg · Associate Director · BDO UK · UK

From compliance cost to competitive advantage: trusted organisational identity

• Move from periodic checks to persistent identity confidence.
• Apply assurance across mobile, web, call centre and branch journeys.
• Include organisational identity and counterparty trust in the model.

Published attribution: Alexandre Kech · Executive · GLEIF · Germany

From compliance cost to competitive advantage · in practice

• Show how organisational identity can become a business enabler.
• Link LEIs, verifiable credentials and wallet ecosystems to bank onboarding.
• Reduce friction in corporate KYC, payments and supply-chain finance journeys.

Published attribution: Ines Gensinger · Head of Global Corporate Communications · GLEIF · Germany

Case study: DLT and its influence on payments and bank operating models

• Assess how DLT can change settlement, reconciliation and payment operating models.
• Identify how tokenised rails may improve transparency, efficiency and trust.
• Discuss control, governance and adoption barriers for banks.

Published attribution: Ishtiaq Ahmed · Senior Manager, Strategic Revenue Development · HSBC · UK

Networking lunch Identity, fraud and cyber specialists. Discussion on bank readiness for wallets, passkeys and cyber resilience.

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Afternoon panel: DORA, AMLA & the future of digital trust Multi-bank panel on regulatory readiness, fraud accountability and DLT trust frameworks.

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Networking reception Day 2 closes.

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Chairperson opening

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Instant payments and interoperability

• Frame the payments, wallets and digital-assets agenda.
• Link market infrastructure, regulation and customer expectations.
• Set priorities for payment leaders and banking executives.

Published attribution: Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK

The new payments landscape · instant, interoperable, invisible and built on trust

• Assess instant payments, ISO 20022 richness and real-time expectations.
• Embed risk management and fraud controls into payment innovation.
• Build trust across interoperable and invisible payment journeys.

Published attribution: Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway

Digital wallets and biometric payments · customer experience and secure authentication

• Evaluate wallet orchestration and acceptance strategies.
• Explore biometric payments and stronger authentication models.
• Link embedded payments with customer journey redesign.

Published attribution: Mihai Draghici · Founder & CEO · PayByFace · Romania

Moving Money — how banks think · the new role of the Chief Payment Officer

• Move beyond compliance APIs toward commercial Open Finance value.
• Improve consent, data reuse and platform strategy.
• Define the emerging role of the Chief Payment Officer.

Published attribution: Viktoria Soltesz · Founder · PSP Angels · Cyprus

Open Finance and financial-institution growth · emerging markets, innovation and scale

• Explore how Open Finance can support growth for banks and financial institutions.
• Link API strategy with customer value, partnerships and financial access.
• Assess the data, consent and trust foundations needed for Open Finance adoption.

Published attribution: Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia

Case study: Open Finance · practical lessons and implementation insights

• Move beyond Open Banking APIs toward broader Open Finance value creation.
• Explore consent, data sharing and customer-owned financial journeys.
• Identify commercial use cases across retail, SME and platform banking.

Published attribution: Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey

Networking break Peer exchange on instant payments, wallets and Open Finance.

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Open Finance strategy · data access and commercial ecosystem design

• Position Open Finance as a growth strategy rather than a compliance project.
• Identify how customer-permissioned data creates new products and partnerships.
• Build trust, consent and value exchange into data-sharing journeys.

Published attribution: JP Fabri · Founding Partner · Seed · Malta

Corporate payment business: PSD3 · instant payments and fraud accountability

• Translate PSD3 and PSR developments into bank priorities.
• Strengthen SCA, liability management and fraud accountability.
• Address corporate payments and scheme-evolution requirements.

Published attribution: Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany

A2A payments and European scale · growth, adoption and cross-border reach

• Explain how Wero and A2A payments reshape European scale.
• Assess implications for banks, fintechs and merchant journeys.
• Evaluate commercial models for account-to-account adoption.

Published attribution: Arash Marandi · Business and Operations · Zaver · Sweden

Future of digital wallets · bank readiness and customer expectations

• Assess how digital wallets are changing product strategy and customer engagement.
• Identify governance, compliance and approval steps banks need before scaling.
• Clarify the difference between solo presentations, panels and practical wallet use cases.

Published attribution: Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey

Digital wallets · product design, use cases and ecosystem integration

• Assess where digital wallets can support inclusion and everyday payment adoption.
• Link wallet design with identity, fraud controls and customer trust.
• Explore how banks can partner with wallet providers without losing the customer relationship.

Published attribution: Yodaly Sierra · Founder & CEO · Eco2wallet · UK

Networking lunch Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization.

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Wallet risk, payment controls and customer trust at scale

• Map wallet risk across onboarding, authentication and transaction flows.
• Define controls for wallet-led payment journeys at scale.
• Link payment strategy with customer trust and regulatory expectations.

Published attribution: Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus

Future payments landscape · European finance — market outlook and ecosystem implications

• Frame the payment trends shaping European finance through 2030.
• Identify what banks, fintechs and infrastructure players must prove before new rails scale.
• Link payment innovation with investor confidence, operational readiness and regulation.

Published attribution: Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK

Tokenization infrastructure · architecture, rails and future payments landscape

• Explain the infrastructure layer required for tokenized finance.
• Link tokenization with settlement, custody and regulated market infrastructure.
• Identify adoption barriers for banks and institutional clients.

Published attribution: Thomas Langbein · Chief Commercial Officer · Trever · Germany

Case study: Future payments landscape · regional insights and commercial adoption

• Explore how new payment rails and digital assets can reshape customer access.
• Assess the role of regulated fintechs in faster, lower-friction payments.
• Identify infrastructure, compliance and education requirements for broader adoption.

Published attribution: Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia

Tokenized market infrastructure · regulated FMI and operating models

• Move from tokenization pilots to business-grade infrastructure.
• Evaluate regulated market infrastructure and settlement use cases.
• Identify wholesale and retail value creation opportunities.

Published attribution: Kathrin Fortmann · Strategic Partnerships Manager · BX Digital · Switzerland

Networking reception Day 3 closes.

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Chairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.

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Human-AI banking experience

• Show how AI changes service, sales, operations and advice journeys.
• Define where humans remain essential for trust and empathy.
• Explore AI agents, decision intelligence and workflow redesign.

Published attribution: Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria

AI-augmented service and product-led banking at scale

• Explore how AI-augmented service changes product, support and customer journeys.
• Identify where automation can improve speed without weakening customer trust.
• Link product leadership with operational readiness and customer experience.

Published attribution: Speaker TBC

Present and Future of Digital Transformation in Islamic Banking

• Link digital transformation with customer experience and trust.
• Assess modernization priorities for Islamic and relationship-led banking.
• Explore service redesign across digital, branch and advisory journeys.

Published attribution: Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE

Omnichannel banking leadership and customer growth in Czech and regional banking

• Define the role of omnichannel leadership in customer acquisition and retention.
• Link digital sales, branch support and advisory journeys into one service model.
• Identify how customer expectations are moving in Czech and regional banking.

Published attribution: Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic

Lithuanian credit union model: data analysis plus human touch in lending

• Reassess the role of physical presence in digital-first banking.
• Use data, AI and human judgment to improve lending decisions.
• Design hybrid service models that strengthen advice and resolution.

Published attribution: Mantas Janavicius · Member of the Management Board · Investuotoju asociacija · Lithuania

No-touch banking and mesh-up finance for non-financial customer pools

• Shift from reactive support to proactive customer care.
• Use AI agents, decision intelligence and next-best-action models.
• Increase resolution speed while maintaining control and accountability.

Published attribution: Wolfgang Strobel · Managing Director · Investigence GmbH · Germany

Networking break Peer exchange on customer experience, branch transformation and AI service.

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Micro-SME growth, digital SME banking and financial inclusion

• Treat Micro-SME banking as a growth and inclusion opportunity.
• Use cash-flow data, embedded payments and digital lending to serve SMEs better.
• Balance profitable service models with financial inclusion goals.

Published attribution: Mohammad Jakirul Islam · EVP, Head of Strategy, Innovation and New Business · BRAC Bank · Bangladesh

Micro-SME banking growth and digital onboarding for entrepreneurs

• Show how banks can scale small-business portfolios without losing service quality.
• Improve digital onboarding and relationship management for entrepreneurs.
• Use segmentation, data and simple journeys to unlock Micro-SME growth.

Published attribution: Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary

Impact investing, sustainable finance and customer value in the next banking cycle

• Link impact investing with customer value, trust and long-term relationship growth.
• Translate sustainable finance objectives into practical products and advisory journeys.
• Balance commercial performance with measurable social and environmental outcomes.

Published attribution: Caroline Philippe · Senior Investment Manager — Stellar Impact · BNP Paribas · Belgium

The AI-Native Bank: Building Intelligent Financial Ecosystems for the Age of AI Agents

• Explain how banks are evolving toward platform-scale business models.
• Show how mobile banking is becoming more intelligent, proactive and context-aware.
• Link financial super-apps with customer outcomes and ecosystem partnerships.

Published attribution: Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey

Case study: Open Banking 2.0 and SME digital transformation through Z-Transformation

• Use Open Banking 2.0 to improve SME access, service and embedded finance.
• Explain the Z-Transformation approach to digital SME banking.
• Link data-driven insights with onboarding, lending and relationship management.

Published attribution: Ender Aydin · Digital Solutions Manager · Ziraat Bankası · Turkey

How European banks are retooling for platform scale

• Link modular architecture, core modernization and ecosystem design.
• Share lessons from digital-bank migration, automation, cloud and data management.
• Create seamless experiences across branch and digital channels.

Published attribution: Margus Simson · Chief Digital Officer · Komerční banka · Czechia

Networking lunch Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders.

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Stress-aware banking journeys

• Apply behavioural insight to debt, savings and financial wellbeing.
• Design stress-aware journeys and responsible nudges.
• Improve personalisation without increasing customer vulnerability.

Published attribution: Justin Pesch · Senior Sales Manager · PAIR Finance · Netherlands

Credit risk management and stress testing in an era of trade wars · the AI solution

• Strengthen credit-risk management with AI-enabled modelling.
• Improve stress testing in volatile trade and macroeconomic conditions.
• Link risk analytics with modular operating platforms.

Published attribution: Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE

Case study: AI in compliance, AI governance and Digital Fraud

• Explore how AI can support compliance and what are the limitations.
• The role of AI in approaching fraud and payment challenges.
• The role of the compliance officer of the future.

Published attribution: Stefan Moser · Head Group Compliance & Operational Risk · VP Bank AG · Austria

Case study: Agile banking transformation

• Explain how agile delivery changes bank transformation execution.
• Align product, technology, compliance and operations around shared outcomes.
• Reduce friction between innovation teams and legacy enterprise processes.

Published attribution: Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria

Case study: Platform-scale banking

• Define what platform-scale banking means for incumbents and financial groups.
• Link ecosystem strategy with customer ownership and value creation.
• Identify the operating model and partnership capabilities needed at scale.

Published attribution: Fabio Turel · Information Technology Strategy Manager · Generali · Switzerland

Customer growth meetings and platform demos

• Reserved for 1:1 meetings on SME banking, Open Finance, AI service and platform-scale banking.
• Supports follow-ups before the shared panel discussion.

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Afternoon panel: Platform-scale banking, Open Finance & agile customer transformation Fabio Turel · Ender Aydin · Kazim Oguz · Davor Gašparac.

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Networking reception Day 4 closes.

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Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making.

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Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities

• Assess geopolitical fragmentation and structural vulnerabilities in banking.
• Link AI, funding costs, credit risk and stress testing.
• Evaluate operational concentration and systemic resilience risks.

Published attribution: Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden

Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk

• Bring a supervisory-facing perspective on geopolitical disruption and cyber-attack overlays.
• Link stress testing, risk appetite and operational concentration risk.
• Translate systemic-threat scenarios into board-level resilience decisions.

Published attribution: Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France

Systemic threats and stress testing · post-quantum readiness

• Translate post-quantum awareness into migration planning.
• Prioritise long-lived data, certificates, signing and critical infrastructure.
• Build crypto-agility into security and procurement roadmaps.

Published attribution: Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany

Payment systems regulation, consumer protection and future payment rails

• Frame the regulatory priorities shaping payment systems and customer protection.
• Assess how new payment rails affect competition, resilience and user outcomes.
• Link payment innovation with fraud, liability and market conduct expectations.

Published attribution: Jayne Godfrey · Payment Systems Regulator · UK

2027 regulatory radar: AML, supervisory readiness, governance and EU regulatory developments

• Prepare for AMLA ramp-up, AMLR and crypto compliance developments.
• Link governance, supervisory readiness and operational execution.
• Assess Cyber Resilience Act impacts on banking ecosystems.

Published attribution: Xenia Neofytou · Managing Director · CX Financia · Cyprus

Networking break Peer exchange on systemic risk, quantum readiness and regulation.

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Case study: AMLR/AMLA transition and changing supervisory expectations

• Translate AMLR and AMLA changes into practical compliance priorities.
• Prepare governance, reporting and controls for the supervisory transition.
• Identify capability gaps across monitoring, investigations and accountability.

Published attribution: Speaker TBC

Moving Money · payment education and market adoption in the next payments cycle

• Use education and market communication to support payment innovation adoption.
• Link the Moving Money agenda with payment leadership, digital strategy and stakeholder engagement.
• Help banks translate complex payment change into clear client and internal narratives.

Published attribution: Manuela Zuluaga · Marketing & Digital Specialist · The Soltesz Institute · Italy

Evolution of regulatory framework in the digital asset industry: VASPs, crypto AML and cross-border risk

• Navigate digital-asset regulation, VASP obligations and crypto AML.
• Address cross-border risk and secure collaboration requirements.
• Use protected computation to support privacy and data-sharing needs.

Published attribution: Jese Medina Gutierrez · CDD Onboarding Manager · Tether.to · Spain

Open finance, AI transformation and digital assets · tech radar

• Explore the technologies shaping banking through 2030.
• Link Open Finance, AI transformation and digital assets.
• Assess agentic AI, digital provenance and adaptive identity.

Published attribution: Tanja Imamovic · Digital Transformation & Technology Strategist · Raiffeisen Bank International · Austria

Networking lunch Regulatory, risk and technology leaders. Discussion on digital euro, AMLA and cyber resilience.

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Future payments and cards: real-time access, transaction handling and service design

• Explore how payment and card services are being redesigned around real-time access.
• Link transaction handling, operational resilience and customer-service expectations.
• Identify digital financial-service capabilities needed for scalable payment operations.

Published attribution: Michał Niwiński · Co-founder and CTO · SoftwarePlant · Poland

Payment innovation through an investment and market-readiness lens

• Assess payment innovation through an investment and market-readiness lens.
• Identify what fintechs and infrastructure providers must prove before bank adoption.
• Link capital, partnerships and execution capacity with regulated financial-services needs.

Published attribution: Stefano Sciacca · Managing Director · Aluna Partners · UK

Afternoon panel: AMLA transition, AI compliance, wallets, risk, payments and tokenization Stefan Moser (VP Bank AG) · Vaida Saltenyte (CXM).

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Closing plenary: Future-proofing European banking Strategic synthesis of the week's key themes and priorities for European banking 2027–2030.

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Farewell coffee Final delegate conversations and speaker follow-up meetings.

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