Session 1: Retail Lending
09:00 – 11:00
09:00 – 09:20 | Market Overview
- European consumer credit trends: recovery of demand, evolving credit appetite post‑ECB rate normalization
- Growth in digital channels and embedded credit, rise of alternative providers
- BNPL as a key growth segment within consumer lending, and its regulatory trajectory under CCD2 and UK FCA regime
09:10–10:30 | Presentations
- AI & Personalization in Retail Credit
Usage of alternative data and AI-driven models for real-time credit scoring, affordability assessments, and personalised product offerings.
- Open Banking & Embedded Finance
Leveraging APIs to improve access, speed up origination, and embed lending into non-bank digital ecosystems.
- BNPL & Short-Term Credit Innovation
BNPL as an increasingly mainstream form of consumer credit; implications for affordability checks, credit reporting, and regulatory convergence (CCD2, UK regime).
- Green & ESG‑linked Retail Loans
Emergence of green mortgages and sustainability-linked consumer finance products; how banks are incorporating ESG criteria into retail credit offerings.
- Digital Risk & Fraud Management with AI
Real-time detection of fraud and early warnings using machine learning and behavioural analytics, especially in unsecured digital channels.
- Regulatory Pulse: PSD3 and EU’s Financial Data Access (FIDA)
Overview of upcoming regulatory shifts in open finance, including consent frameworks, data portability, and implications for credit innovation.
10:30 – 11:00 | Panel Discussion
Focus areas: ethical AI in retail lending, evolving regulations (PSD3, FIDA), the opportunity and risk of embedded finance, balancing speed and fairness in automated decision‑making.
Session 2: SME Lending
12:00 – 14:00
12:00 – 12:20 | Market Overview
- Key dynamics in European SME lending: growth in high‑street bank exposure, role of challenger banks in filling gaps
- ECB survey showing tightened corporate credit standards into 2025
12:20 – 13:30 | Presentations
- Digital Underwriting for SMEs – AI and alternative data use for improved credit access among underserved SMEs
- Embedded SME Finance & API Platforms – integrating lending offers into business platforms and ecosystem finance
- AI‑based Risk Mitigation – machine learning in credit risk monitoring, early warning systems for SME portfolios
- Credit Guarantee Schemes & DLT Innovation – streamlining public-backed SME guarantees via distributed ledger technologies
- Regulatory Landscape – government SME lending reviews, state guarantee programmes in UK/EU; competition and capital requirements
13:30 – 14:00 | Panel Discussion
Topics: balancing credit access vs risk, AI fairness in thin-file SMEs, the interaction between public guarantee schemes and fintech innovation, and regulatory reforms ahead.
Session 3: Corporate Lending
15:00 – 17:00
15:00 – 15:20 | Market Overview
- Corporate credit conditions across euro‑zone: bank resilience, return metrics, asset‑quality trends
- Influence of Capital Markets Union on non‑bank financing alternatives for corporates
15:20 – 16:30 | Presentations
- AI‑driven Corporate Credit Analytics – deep learning models for corporate credit scoring and stress testing
- Embedded Corporate Borrowing & Platform Finance – supply‑chain finance, APIs for treasury management, ecosystem lending
- Green Finance & ESG-linked Corporate Loans – structuring sustainability‑linked corporate credit products
- Capital Markets & Alternative Corporate Financing – interplay between loan markets, securitisation, and capital market instruments under CMU
- Regulatory Shifts: Prudential Requirements & Cross‑border Frameworks – impact of CRR/CRD revisions, cross‑border lending rules under EU and UK frameworks
16:30 – 17:00 | Panel Discussion
Key themes: leveraging AI in large‑ticket credit, capital markets vs banking as corporate funding, cross-border lending barriers, and embedding ESG objectives into credit decisions.
