SPONSORS
Provisional Agenda
(Select Hall)
Session 1: Strategic Transformation & Innovation at Scale
Moderator: Mac Mahalingam (AWS)
Market Overview
“Global Banking Sector 2025: Profit Pools, Productivity & Platformization”
Other Presentations
“Dual Strategies: Scaling Banking Through Direct Channels and Embedded Platforms” (Rabobank)
“From Legacy to Digital: Building the Bank of the Future” (DXC Technology)
“Wartime Cloud Migration: Moving a Universal Bank to the Cloud in 90 Days” (Raiffeisen Bank)
Panel “From Pilots to Platforms — Scaling Innovation Across the Enterprise”
- Productivity first: bending the cost curve as margin tailwinds fade.
- Capital discipline in payments & platforms: profitable growth vs. land-grab.
- DORA is applicable (17 Jan 2025): third-party risk, incident reporting, resilience testing.
- EU AI Act: staged obligations 2025–2026 for GPAI/high-risk—governance & explainability.
Session 2: Wholesale Digital Currency & Market Infrastructure
Moderator: Igor Mikhalev (EY)
Presentations
“Stablecoin Innovation: A Bank-Backed Initiative Across Europe” (a Tier-1 Bank, formal announcement due end of September)
“Clearing & Settlement in the Age of Wholesale Digital Assets” (Euroclear)
“Instant Payments as a Bridge to Tokenised Wholesale Money” (Deutsche Bank)
Panel – “The Future of Wholesale Digital Money”
- mBridge MVP: lessons on cross-border atomic settlement and FX.
- Bank-issued stablecoins alongside RTGS/ISO 20022: prudential and liquidity implications.
- Designing interoperability across instant payments, RTGS and tokenised settlement.
- Collateral, intraday liquidity, and access models for banks & FMIs.
Session 3: Financial Crime, AI & Cyber Defense
Moderator: TBD
Presentations
“Cybersecurity in Banking: What Every CxO Needs to Know” (Raiffeisen Bank)
“DORA-Ready Digital Banking Platforms: Microservices, Secure Channels & Resilient Onboarding” (Wislacode)
“Managing AI Risk in Fraud Detection and Compliance” (ING Bank)
“Reinventing KYC and Onboarding for the Digital Era” (SurePay)
Panel – “From Controls to Intelligence — The Future of AML & Cyber Defense”
- AMLA in Frankfurt; operations ramping from mid-2025 → more supervisory convergence.
- DORA now applicable: incident response, testing, and ICT third-party concentration risk.
- Combating gen-AI deepfakes & impersonation: biometrics, device intel, behavioural analytics.
- Beneficial ownership & data-sharing pressures raising AML expectations.
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: Customer-Centric Lending Innovation
Moderator: TBD
Presentations
“BNPL in Practice: Lessons from a Bank-Developed Solution” (ABN AMRO Bank)
“Lending in Wartime: Innovation Under Extreme Conditions” (Raiffeisen Bank Ukraine)
“Open Banking & APIs: Building the Rails for Smarter Lending” (Rabobank)
“Bank-as-a-Service as a Growth Engine: From Checkout to Credit” (Vodeno, UniCredit Group)
Panel – “Lending in Transition — From BNPL to Embedded Finance”
- CCD2 in EU and UK BNPL regime: affordability, disclosures, complaints access.
- PSD3/PSR & Open Finance (FIDA): broader data portability for underwriting & onboarding.
- Instant payment fee parity & ubiquity changing checkout and risk models.
- Responsible AI & explainability in automated credit under the EU AI Act.
Session 2: Smarter Credit Processes & Platforms
Moderator: TBD
Presentations
“Democratising SME Lending: A Challenger’s Perspective” (GoDutch)
“Reinventing SME Credit Products: From Idea to Market” (New10)
“Embedded Lending: Bringing Credit to Where Customers Are” (Rabobank)
“Modernising Loan Origination: From Manual to Digital-First Processes” (DXC Technology)
Panel – “The SME Lending Puzzle — Access, Risk & Process Innovation”
- Open-finance data + instant payments → real-time cash-flow underwriting.
- Digital origination & STP to lower cost-to-serve amid margin compression.
- Scaling with vendors under DORA: resilience testing, incident reporting, concentration risk.
- AI Act guardrails for model risk & bias in SME scoring.
Session 3: Digital Money & the Future of Lending
Moderator: Igor Mikhalev (EY)
Presentations
“The Retail Digital Euro: Where We Stand” (DNB, Dutch Central Bank)
“Retail Digital Currency in Action: The Payments Perspective” (MasterCard)
Panel – “Retail CBDC — Payments, Customers & Market Impact”
- ECB prep phase runs to Oct 2025; way-forward decision then.
- Strategic autonomy: reducing reliance on non-EU payment rails.
- Adoption drivers: privacy, offline capability, instant-payments integration.
- Roles and economics for intermediaries/distributors in retail CBDC.
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.
