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PROGRAMME

Full agenda.

Five thematic days across two parallel rooms — Room A (Main Stage) and Room B (Innovation & Implementation). Last updated 13 August 2026. Times subject to change.

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Day 1 · Monday Day 2 · Tuesday Day 3 · Wednesday Day 4 · Thursday Day 5 · Friday
Thursday 26 November 2026

Customer Growth, Platform Scale and the Human-AI Experience

CUSTOMER GROWTH · PLATFORM BANKING · HUMAN-AI EXPERIENCE · SME BANKING · SUSTAINABLE FINANCE
Day overview →
Time Room A · Main Stage Room B · Innovation & Implementation
08:45–09:00 Chairperson opening
Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.
09:00–09:30
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.
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.
Speaker TBC
09:30–10:00
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.
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.
Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic
10:00–10:30
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.
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.
Wolfgang Strobel · Managing Director · Investigence GmbH · Germany
10:30–11:00 Networking break
Peer exchange on customer experience, branch transformation and AI service.
11:00–11:30
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.
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.
Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary
11:30–12:00
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.
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.
Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey
12:00–12:30
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.
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.
Margus Simson · Chief Digital Officer · Komerční banka · Czechia
13:00–14:00 Networking lunch
Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders.
13:45–14:15
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.
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.
Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
14:15–14:45
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.
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.
Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria
14:45–15:15
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.
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.
15:15–16:00 Afternoon panel: Platform-scale banking, Open Finance & agile customer transformation
Fabio Turel · Ender Aydin · Kazim Oguz · Davor Gašparac.
16:00–16:30 Networking reception
Day 4 closes.
08:45–09:00
Chairperson opening
Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.
09:00–09:30 · Room A · Main Stage
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.
Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria
09:00–09:30 · Room B · Innovation & Implementation
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.
Speaker TBC
09:30–10:00 · Room A · Main Stage
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.
Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE
09:30–10:00 · Room B · Innovation & Implementation
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.
Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic
10:00–10:30 · Room A · Main Stage
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.
Mantas Janavicius · Member of the Management Board · Investuotoju asociacija · Lithuania
10:00–10:30 · Room B · Innovation & Implementation
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.
Wolfgang Strobel · Managing Director · Investigence GmbH · Germany
10:30–11:00
Networking break
Peer exchange on customer experience, branch transformation and AI service.
11:00–11:30 · Room A · Main Stage
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.
Mohammad Jakirul Islam · EVP, Head of Strategy, Innovation and New Business · BRAC Bank · Bangladesh
11:00–11:30 · Room B · Innovation & Implementation
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.
Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary
11:30–12:00 · Room A · Main Stage
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.
Caroline Philippe · Senior Investment Manager — Stellar Impact · BNP Paribas · Belgium
11:30–12:00 · Room B · Innovation & Implementation
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.
Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey
12:00–12:30 · Room A · Main Stage
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.
Ender Aydin · Digital Solutions Manager · Ziraat Bankası · Turkey
12:00–12:30 · Room B · Innovation & Implementation
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.
Margus Simson · Chief Digital Officer · Komerční banka · Czechia
13:00–14:00
Networking lunch
Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders.
13:45–14:15 · Room A · Main Stage
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.
Justin Pesch · Senior Sales Manager · PAIR Finance · Netherlands
13:45–14:15 · Room B · Innovation & Implementation
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.
Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
14:15–14:45 · Room A · Main Stage
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.
Stefan Moser · Head Group Compliance & Operational Risk · VP Bank AG · Austria
14:15–14:45 · Room B · Innovation & Implementation
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.
Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria
14:45–15:15 · Room A · Main Stage
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.
Fabio Turel · Information Technology Strategy Manager · Generali · Switzerland
14:45–15:15 · Room B · Innovation & Implementation
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.
15:15–16:00
Afternoon panel: Platform-scale banking, Open Finance & agile customer transformation
Fabio Turel · Ender Aydin · Kazim Oguz · Davor Gašparac.
16:00–16:30
Networking reception
Day 4 closes.

Agenda subject to change. All times Central European Time (CET). Last updated 13 August 2026.

Five days. One pass.

Move between Room A and Room B. Pre-book meetings. Take home practical, peer-tested answers.

Register Now
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