Day 3 · 27 November 2026

Programme · Day 3

Friday 27 November 2026

1. 08:55–09:00
   Opening Words from a Chairperson
2. 09:00–09:40
   Islamic Banking and Future Digital Transformation

   • As the global financial industry undergoes rapid digital transformation, Islamic banking faces unprecedented opportunities and challenges in adapting to emerging technologies while upholding Shariah principles.
   • This presentation explores the evolving landscape of Islamic banking, highlighting the transformative roles of artificial intelligence (AI), blockchain, financial technology (FinTech), digital banking, and smart contracts.
   • It also examines the implications of digital innovation for Shariah compliance, regulatory frameworks, operational efficiency, financial inclusion, and institutional competitiveness.
   • Drawing on global developments and emerging industry practices, the presentation offers insights into the future of Islamic banking and the strategic priorities necessary to build a more innovative, resilient, sustainable, and Shariah-compliant digital financial ecosystem.

   Wan Norhaziki Wan Abdul HalimDirector - Head of Shariah Governance, Global Compliance, Crédit Agricole, UAE
3. 09:40–10:20
   Payment systems regulation, consumer protection and future payment rails

   Andrew WigstonHead of Supervision and Compliance Monitoring, Payment System Regulator
4. 10:20–11:00
   Break Time and Networking Session
5. 11:00–11:40
   Managing Change Risk in an Age of Uncertainty

   • Risk Culture as an Enabler of Change
   • Effective Change Risk Management
   • Selecting Appropriate Risk Treatment Strategies
   • Adapting to Uncertainty and Emerging Risks

   Edgars SedovsHead of Risk, Rietumu Banka, Latvia
6. 11:40–12:20
   Supervising the Intelligent Bank: Trust, Resilience and AI in Next-Generation Banking

   • Understanding how European supervisors assess AI-driven business models, governance and digital transformation
   • Translating regulatory expectations — SSM priorities, DORA and the AI Act — into practical design choices for the intelligent bank
   • Building board-level accountability and meaningful human oversight as AI enters core decision chains
   • Managing the resilience challenge: cloud concentration, third-party AI models and legacy evolution
   • Positioning trust and supervisability as competitive advantages, not constraints, in the platform economy

   Nina SchweighoferJST Coordinator / Head of Section, European Central Bank, Germany
7. 12:20–13:20
   Lunch Break
8. 13:20–14:00
   AI in Action: From Adoption to Responsible Scale

   • Rethinking what successful AI adoption means in an era of rapid acceleration
   • Turning AI into measurable productivity and sustainable business value
   • Making governance, compliance and accountability enablers of responsible AI at scale

   Ibrahim NijadSenior Risk Control Partner, Rabobank, Netherlands
9. 14:00–14:40
   From Digital Banking to Financial Well-Being: Building Financially Resilient Customers

   • Understanding financial resilience through the eyes of the customer
   • Helping customers navigate uncertainty and life transitions
   • Building financial health, inclusion and confidence
   • Moving from product provider to long-term financial partner
   • Using digital banking to help customers prepare, decide and thrive

   Nikoletta KovacsStrategy Leader | Strategy, Communication, Sustainability, Raiffeisen Bank International, Austria
10. 14:40–15:20
    Coffee Break
11. 15:20–16:00
    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.

    Ulf HolmbergFunctional Lead and Senior Analyst, Swedbank
12. 16:00–16:40
    Panel Discussion: Deepfakes, Synthetic Identity and AI-Driven Fraud: The Next Frontier of Financial Crime

    • Moderator: Nikoletta Kovacs | Panellists: Edgars Sedovs, Nina Schweighofer, Ulf Holmberg

    Nikoletta KovacsStrategy Leader | Strategy, Communication, Sustainability, Raiffeisen Bank International, Austria
13. 16:40–18:00
    Closing words, end of the conference

Agenda subject to change. All times Central European Time (CET).