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Session 1: Innovation & Strategic Transformation
09:00–09:10 | Market Overview
- Strategic innovation trends across financial services and beyond: platformization, ecosystem partnerships, venture models
- Shifting priorities in European boardrooms: from digital pilots to scalable transformation
- Role of regulation and policy in enabling or constraining innovation (e.g. AI Act, Digital Operational Resilience Act)
09:10–10:30 | Presentations
- Strategic Innovation in a Post-Digital Era
• Reframing innovation strategy: beyond digitization to new business models, ecosystems, and co-creation
• Case studies of how incumbents are innovating their value chains, customer experiences, and product lifecycles - AI as an Innovation Catalyst
• Where AI is reshaping strategy: customer intelligence, product design, pricing, and service delivery
• Balancing generative AI potential with operational, ethical, and legal challenges - Innovation Governance & Operating Models
• From innovation labs to embedded innovation: building cultures, KPIs, and structures that support experimentation and scalability
• Venture arms, partnerships, and regulatory engagement as strategic tools - Data-Driven Innovation
• The strategic value of data: how analytics, real-time insights, and unified data architectures are enabling faster innovation cycles
• Data monetization strategies, cross-border data regulation, and internal capability gaps - Sustainable Innovation & Purpose-Driven Strategy
• Aligning innovation efforts with ESG goals, customer trust, and long-term resilience
• Impact of green regulation and ethical tech frameworks on innovation roadmaps
10:30–11:00 | Panel Discussion
Theme: “From Ambition to Execution – What Makes Innovation Stick?”
Topics:
- What does real transformation look like beyond digital upgrades?
- How are leading firms integrating AI without losing sight of strategy or purpose?
- What innovation governance models are succeeding in regulated sectors?
Session 2: Digital Transformation & the Data-Driven Enterprise
12:00–12:10 | Market Overview
- The maturity gap in digital transformation: 80% of European institutions have digital strategies, but only 30–40% see enterprise-wide results
- Investment trends: cloud migration, real-time analytics, AI at scale, and orchestration platforms
- Barriers: data fragmentation, legacy integration, regulatory constraints, change fatigue
12:10–13:30 | Presentations
- Transformation Strategy: From Digital Projects to Platform Thinking
• Moving from siloed digitization to holistic transformation
• How leading firms are rearchitecting core platforms, experiences, and service layers - Building a Scalable Data & Analytics Foundation
• Designing for data quality, governance, interoperability, and real-time insight generation
• From data lakes to smart fabric: modern architectures that enable AI and automation - AI-Powered Process Redesign & Intelligent Automation
• Leveraging AI and ML to transform operations, decision-making, and client service
• Combining automation (RPA) with predictive and generative intelligence - Organisational Change & Culture in Transformation Programs
• Why most transformations fail internally: resistance, leadership gaps, and misaligned incentives
• Case-based insights on driving cross-functional adoption, agile delivery, and trust in technology - Compliance, Risk, and Data Ethics in AI-Led Environments
• EU AI Act, DORA, GDPR: balancing innovation with governance in AI/analytics-heavy operations
• Practical frameworks for responsible data use and explainability
13:30–14:00 | Panel Discussion
Theme: “What Separates Digital Leaders from Digital Strugglers?”
Topics:
- Data-first vs. tech-first: where do most get it wrong?
- How do you evolve governance without stifling agility?
- What are the signals of a successful transformation 18–24 months in?
Session 3: Security, AML & Fraud – Defending the Digital Enterprise
15:00–15:10 | Market Overview
- The risk landscape is evolving rapidly: fraud now occurs at machine speed, with AI increasingly used by both attackers and defenders
- Regulatory pressure is increasing: EU AML Authority (AMLA), new KYC requirements, and real-time monitoring expectations
- Institutions are pivoting from reactive controls to proactive, AI-powered, and intelligence-driven risk strategies
15:10–16:30 | Presentations
- AI-Powered Fraud Detection & Adaptive Risk Models
• Real-time behavioural analytics, machine learning ensembles, and continuous learning for fraud prevention
• Detection of emerging fraud typologies: impersonation, social engineering, synthetic ID, and account takeover - Next-Generation AML & Transaction Monitoring
• From rules-based systems to dynamic, AI-assisted risk scoring
• NLP and graph analytics in identifying hidden networks and suspicious flows
• Transitioning to unified FCC (Financial Crime Compliance) platforms - Cybersecurity in the Age of Generative AI
• Deepfake detection, LLM abuse monitoring, and protecting internal models
• Securing model endpoints and data pipelines in AI-enabled environments - Digital Identity, KYC & Real-Time Verification
• The rise of biometric authentication, identity orchestration platforms, and privacy-aware verification
• How zero-trust principles are being applied to onboarding and transaction flows - Compliance Technology & Regulatory Intelligence
• Automated screening, perpetual KYC, and real-time regulatory change monitoring
• How RegTech and SupTech are reshaping AML obligations and regulator engagement
16:30–17:00 | Panel Discussion
Theme: “From Controls to Intelligence – The Future of AML & Cyber Defense”
Topics:
- Can AI eliminate false positives without raising risk exposure?
- What’s realistic for real-time AML in a regulated environment?
- How are teams blending cyber, fraud, and compliance to create a unified defense architecture?
Money Party
17:30–20:30 | Networking Reception
Join us at the Money Party, the official networking reception of the European Digital Finance Conference. Powered by The Banking 50, this is where meaningful connections are made, ideas are exchanged, and business opportunities come to life. An unmissable chance to expand and strengthen your professional network in banking and financial services.
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.
Money Party
17:30–20:30 | Networking Reception
Join us at the Money Party, the official networking reception of the European Digital Finance Conference. Powered by The Banking 50, this is where meaningful connections are made, ideas are exchanged, and business opportunities come to life. An unmissable chance to expand and strengthen your professional network in banking and financial services.
