All Events
AI-First Bank Blueprint: From Strategy Slides to Shipped Products
- Designing an AI-first operating model that directly links to product roadmaps and revenue.
- Where to start: 5–10 use cases that pay back fast in retail, SME and corporate banking.
- Governance, data and talent you must fix in year one to avoid AI chaos later.
Michal Niwinski
Senior Payments, Financial Services and Projects Manager Banco Santader, PolandDesigning Money-Making AI Products, Not Just Features
- Turning AI capabilities into standalone, priced digital products and bundles.
- Journey redesign: from “nice UI” to outcome-based propositions (savings, control, speed).
- KPIs that matter: activation, product penetration, cost-to-serve and risk-adjusted return.
Ishtiaq M. Ahmed
Digital Assets & Currencies | Payments | Innovation | Emerging Technology HSBC, UKGenAI & Copilots for Customers: Your New Digital Relationship Manager
- From FAQs to full-service AI copilots that can sell, advise and resolve.
- Safely allowing AI to execute transactions, change limits and negotiate offers.
- Using conversational data to continuously refine products and journeys.
Aleksi Khoroshvili
CEO Silk Bank, GeorgiaRegulation as a Growth Lever: PSD3/PSR/DORA in Product Design
- Building regulation-ready products that turn compliance investment into competitive advantage.
- Instant payments, SCA 2.0 and resilience by design as selling points to corporate and SME clients.
- How to talk to regulators early so you can launch innovative propositions faster.
Ionut Horatau
Head of Payments Oversight DivisionOpen Finance Playbook: New Revenue Pools Beyond PSD2
- Shifting from “we have APIs” to API products with clear pricing and partner value.
- Open finance use cases that really scale: credit, cashflow, PFM/BFM, risk analytics.
- Data-sharing, liability and monetisation models that keep customers and regulators onside.
Romain Braud
Executive Director Arab Bank, SwitzerlandWinning with Ecosystems: Bank–Fintech–Big Tech Partnerships That Last
- Choosing your ecosystem role: orchestrator, specialist or infrastructure provider.
- Structuring deals: commercial models, SLAs and IP rules that avoid “innovation theatre”.
- Building a repeatable partner onboarding and co-creation process.
Varlam Ebanoidze
Head of FinTech and SupTech Development National Bank of GeorgiaNext-Gen Lending: Real-Time Credit, Dynamic Pricing & Embedded Offers
- Using alternative data and AI for sharper, faster credit decisions without losing control.
- Dynamic pricing and limit management across cards, overdrafts and SME loans.
- Embedding lending inside digital journeys: e-commerce, merchant, B2B and platform finance.
Serhii Karaulov
Head of Retail Lending Raiffeisen Bank UkraineUnified AI Decision Engine: Credit, Fraud & Compliance in One Brain
Replacing fragmented scoring tools with a single intelligent decisioning layer.
- Combining KYC, AML, credit and behavioural signals in real time at onboarding and throughout the lifecycle.
- Building explainable models and documentation that withstand regulatory scrutiny.
Ciprian Dragomir
Digital Lending Product OwnerEnterprise Risk in the Age of GenAI & Agents
- Managing model risk, LLM risk and vendor risk across hundreds of AI use cases.
- Designing real-time early-warning indicators for credit, conduct and operational risk.
- How risk, compliance and product can work together to safely accelerate go-to-market.
Nicole Onuta
Lead AI Risk Management ING, NetherlandsDigital Identity & Onboarding Strategy for a Product-Led Bank
- Positioning identity and onboarding as core products, not just processes.
- Aligning risk, compliance and product KPIs around conversion and lifetime value.
- Roadmap: what to digitise, automate and outsource over the next 24 months.
Debbie Van Heel
Global Head OF KYC&KYB |Leading Global Compliance, Risk Management, and Operational Excellence N26Beating Deepfakes & Synthetic Fraud Without Killing Conversion
- Latest fraud patterns across IDs, biometrics, devices and payments.
- Smart layering: when to step up checks vs. when to keep it invisible for the user.
- Designing fraud controls that preserve a “one-minute onboarding” experience.
Nikoletta Kovacs
ESG Business Development LeaderWallets, Passkeys & National IDs: The New Identity Rails
- Leveraging national digital IDs, wallets and passkeys to slash onboarding friction.
- Reusing verified credentials across products, segments and even group banks.
- How to position the bank as the most trusted “home” for customers’ digital identity.
Khanim Rustamova
Tribe Lead, Employee Experience Birbank, AzerbaijanOrchestrating Hybrid Onboarding: Branch, Remote & Embedded
- One design for many doors: branch, app, web, call centre and partner channels.
- Using humans where they add most value (complex SME, wealth, corporate deals).
- Turning onboarding meetings into advisory and product design moments, not admin.
Guillermo Vieira De Santiago
Executive director, Global AI Adoption BBVA, SpainScaling AI in KYC & AML: Industrialising Compliance
- Automating document intelligence, name screening and transaction monitoring with AI.
- Building explainable rules + AI hybrids that compliance can defend.
- Cutting cost per KYC review while increasing coverage and effectiveness.
Martin Lukas
Policy and Governance Advisor, Financial Crimes Specialist StripeIdentity as a Service: New Business Lines for Banks
- Offering KYC/KYB, verification and risk scoring to fintechs, merchants and platforms.
- Commercial models: per-check pricing, volume tiers and bundled platform offers.
- Governance and brand considerations when the bank becomes an identity utility.
Jarkko Maensivu
CEO & Chairman , Saldo Bank, FinlandCustomer Control Panels: Transparency & Consent as Differentiators
- Giving customers a simple cockpit to manage data, permissions and identity use.
- Using transparency around data to build trust and upsell more sensitive services.
- Handling disputes, false positives and “incorrectly blocked” customers without damaging loyalty.
Saara Aura
Strategic Commercial Manager Nordea, FinlandEmbedded KYC/KYB for BaaS & Platform Finance
- Plug-and-play KYC stacks that let partners launch financial products in weeks, not months.
- Managing risk, data flows and liability when you sit behind brands your customers never see.
- Standardising partner due diligence so you can scale embedded finance safely.
Aleksi Khoroshvili
CEO Silk Bank, GeorgiaAutonomous Banking in the Real World: From Slides to Live Systems
- Mapping where autonomy makes most sense: treasury, liquidity, servicing, collections.
- Designing human-in-the-loop controls and kill-switches for autonomous processes.
- Measuring impact: cost-to-income, capital efficiency, error rates and customer outcomes.
Branimira Milusheva
Founder and CEO – Women in Banking and Finance Bulgaria, Branch manager of Postbank Postbank, BulgariaInstant, Cross-Border & A2A: Building the Next-Gen Payments Franchise
- Real-time domestic rails, cross-border links and accounts-to-account (A2A) strategies.
- New product ideas: request-to-pay, instant trade payouts, recurring subscriptions and B2B flows.
- Turning your payments business into a profitable growth engine, not a cost centre.
Paul Francis Walvik
Joynt SVP, Real time Payments Mastercard, NorwayTokenisation, Stablecoins & CBDCs: Practical Use Cases for Banks
- Where tokenisation of deposits and real-world assets is actually working.
- Opportunities in wholesale CBDCs, stablecoins and programmable money for corporate clients.
- Risk, balance-sheet and operational considerations before you commit big budgets.
Ledi Lapaj
Director Customer Experience, Bank-Al-EthiadModern Tech Stack for a Product Factory: Cloud, APIs & Events
- Building a product platform: reusable services, APIs and event streams.
- Migrating off legacy cores without betting the bank on one “big bang”.
- FinOps and cost governance so innovation doesn’t blow the IT budget.
Marco Eijsackers
Global Head of Tech Strategy ,ING, NetherlandsSocial Commerce, Super-Apps & the Creator Economy: Where Your Customers Live
- Banking inside marketplaces, platforms and super-apps your customers already use.
- Product design for creators, gig workers and micro-SMEs: flexible credit, cashflow tools, FX.
- Brand and conduct risk when the bank is invisible but still responsible.
Kirsty Rutter
Group Strategic Investment Director ,Lloyds Banking Group, UKGreen, Inclusive & Impact Banking: From Slogans to Products
- Embedding climate and ESG data into lending, investment and risk models.
- Designing green and inclusive products (SME transition finance, socially responsible savings).
- Customer-facing impact dashboards that make ESG tangible and support pricing and loyalty.
Ivan Il. Ivanov
Director Retail Banking BACB, BulgariaEvent Pass & Tickets
Like previous year this year we are arranging world marketing
summit 2025. Its the gathering of all the big.
Attend InPerson 3 days conference
Documentation Pack
44 Recorded Sessions
Participants List
Networking Coffee Breaks & Lunchs
Live stream
Virtual Conference Online Networking
44 Recorded sessions
Videos Interactions
Documentation Pack
Speaking Slot (40 Min)
Attend InPerson 3 days conference
Documentation Pack
Participants List
Networking Coffee Breaks & Lunchs
40 Min Speaking slot
Attend InPerson 3 days conference
EXHIBITOR Space
44 Recorded Sessions
Networking Coffee Breaks & Lunchs
Attend InPerson 3 days conference (3 PAX)
Documentation Pack
44 Recorded Sessions
Participants List
Networking Coffee Breaks & Lunchs

