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EDFC 2025: Post-Event Highlights & Downloadable Materials

Posted by: digitalfinanceconference December 6, 2025 No Comments

Hall 1

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Hall 1: From Strategy to Scale: How Banks Win in the Age of AI and Embedded Finance

 

09:00 – 11:00
Session 1: From Open Banking to Intelligent Automation — Turning Digital Hype into Measurable Value

 

Chair: Mac Mahalingam (AWS)

Presentations:

  • Rethinking growth and profitability in banking in the age of AI by Istvan Rab, Associate Partner, Global leader McKinsey Panorama, McKinsey & Company Download Presentation

In 2024, banking as an industry closed an exceptional year, with most regions peaking across key indicators. At the same time, question marks remain on the robustness of the long-term prospects given strengthening headwinds – from macro to technology or customer behaviour changes. Executives need to navigate these challenges and opportunities with granular strategies and smart investments on multiple fronts. Technology and the role of AI can be a differentiator, but capturing value is not obvious, especially with fast developments in agentic.

  • The Future of the SOC… or the SOC of the Future by Ramsés Gallego, Chief Technologist, Cybersecurity, DXC Technology Download Presentation
  • Interview on stage with Yevhen Baliutov, Chief Information Security Officer, Raiffeisen Bank Ukraine.
  • Limitless: Reimagining Banking at Scale with Full-Stack Innovation and Agentic AI, Taryn Brophy, Manager FSI and Japanese Multinationals, NTT Data Download Presentation

 

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12:00 – 14:00
Session 2: The AI-Driven Bank — Data, Platforms, and Personalization at Scale

 

Presentations

  • Embedded services: driving growth & digital transformation, Joris Hoekstra, Lead Strategy, Portfolio & Transformation, Rabobank Download Presentation
  • Hyper-personalisation across customer lifecycle by Peter Lemon, Pre-Sales Senior Consultant, Credit Risk, FICO Download Presentation
  • How AI Agents Are Transforming Banking CX and Operational Efficiency by Denis Chernilevskiy, Co-founder and CEO, Aiphoria Download Presentation
  • Considerations for an Agentic Bank by Bart Jansen, GenAI and Customer Channels & Experience Projects Director, ING Download Presentation
  • Personalize customer interactions with AI agents that truly know your customers, Oleg Baranov, CEO, Flametree Download Presentation
  • Making Bank’s Platform Strategy Work Beyond the Hype. Turning Super Apps, APIs and AI into Real Business Results, Slava Kostin, CEO, Wislacode Download Presentation

 

Panel – Beyond the Buzzwords: Inside the Banks Delivering Real-World Digital Transformation

  • Jasper Wolfs, Lead Product Manager Open Banking, Rabobank
  • Bart Jansen, GenAI and Customer Channels & Experience Projects Director, ING Bank
  • Khanim Rustamova, Tribe Lead, Employee Experience, Birbank

Moderator: Sarina Deuble, Associate Partner, Global leader of McKinsey’s Embedded Finance Service Line, McKinsey & Company

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15:00 – 17:00
Session 3: Embedded Finance and Banking-as-a-Service — Collaboration as a Competitive Edge

 

Presentations

  • The new growth equation: How AI, ecosystems and partnerships redefine growth in Financial Services by Sarina Deuble, Associate Partner, Global leader of McKinsey’s Embedded Finance (20 mins)

As the boundaries of financial services blur, a new formula for growth is emerging — one powered by intelligence, embedded ecosystems, and strategic partnerships. This presentation reveals how banks and fintechs can unlock accelerated, sustainable growth by embracing AI-driven innovation, ecosystem-led models, and collaborative strategies. The winners of tomorrow will not be those who build alone, but those who orchestrate networks of value — turning speed, intelligence, and openness into their competitive edge.

  • From Data-Driven to AI-Infused: The Next Leap in Banking Transformation — how Generative AI is accelerating the shift from data to intelligence. Erika Leo, Presales Manager, CRIF (10 mins) Download Presentation
  • Embedding Tidely: How Banks Accelerate SME Value, Cross-Sell Growth, and Real-Time Risk Control by Niclas Storz, Founder & CEO, Tidely (10 mins) Download Presentation

Within his presentation Niclas will share major facts about Tidely, including the core business model focus, achievements realized over the past years since foundation in 2020, the journey to come in the following years as well as his vision about the future path of Tidely. In addition to general information on Tidely, Niclas will share further details on the “B2B White Label” model and specifically focus on how Banks integrate Tidely’s functionalities into their online banking offering. He will address core benefits realized by banks from offering the solution to their SMEs clients, including offering an innovative solution, gaining cross-selling opportunities by multi-banking analytics, digitizing loan application processes and real-time monitoring of the loan book to reduce Loan Loss Provisions.

  • Embedded Finance and the Rise of Banking-as-a-Service: Collaborate or Compete? by Piotr Szulc, Business Development Director (BaaS), UniCredit (15 mins) Download Presentation

UniCredit (ex. Aion Bank) and Vodeno are among the few institutions in Europe offering true Banking-as-a-Service, combining a full banking license with a modern technology stack. In this session, we’ll explore how banks can remain relevant and profitable by enabling others from the “back seat,” sharing real-world examples of successful BaaS implementations. We’ll also highlight key trends and opportunities for collaboration with fintechs, platforms, and embedded finance partners that are shaping the next wave of digital banking.

  • Inception Point: Re-imagining CX in the Digital Open Financial Services World by Olafur Sigurdsson, Regional Sales Manager, ERI (10 mins) Download Presentation

This presentation will explore how digital technologies and the rise of AI are reshaping customer expectations, enabling a faster, more cost-efficient path to delivering hyper-personalised customer experiences in the open financial services world.

  • Blockchain Rise: Banks… collaborate or die! by Nicolas Kozakiewicz, Chief Innovation Officer, Worldline (20 mins) Download Presentation

 

Panel – Inside Digital Transformation: What Works (and What Doesn’t) in Global Banking (45 mins)

  • Piotr Szulc, Head of Delivery & PMO, UniCredit
  • Niclas Storz, Founder & CEO, Tidely
  • Engin Asolar, Lead Architect, Nexent Bank
  • Mac Mahalingam, Senior Solutions Architect – GFS Payments, AWS Global Financial Services

Moderator: Imre Szilvácsku, Banking Strategy & Innovation Advisor, McKinsey & Company

Hall 2

 

17:30 – 20:30
Money Party

 

Networking with The Banking 50 and EDFC
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.

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    Hall 2

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    Hall 2: Digital Resilience: From Lending and Security to CBDCs and Payments

     

    09:00 – 11:00
    Session 1: The Future of Credit: Embedded Lending and Next-Gen SME Financing

     

    Presentations

    • Presentation by Martijn Gerritsen, Director, EY Panthenon
    • Reimagining Lending Journeys and Product in Challenging Times by Serhii Karaluov, Retail Lending Director, Raiffeisen Bank Ukraine Download Presentation
      – Competing with fintech through innovation
      – Building customer-first products in legacy systems
      – Supporting entrepreneurs liquidity in wartime economy
    • Responsible AI and Digital Transformation in Digital-First Debt Collection by Tamás Erni, Managing Partner, Loxon
    • Built to matter: Product-driven change in SME lending by Alisa Golovunina, Product Owner, and Alisa Varaksina, Product Developer, New10 Download Presentation

    In this session, we’ll dive into what product-driven change really means. You’ll see how this approach works inside New10, from improving our lending product based on real customer data to automating assessments that speed up decisions. In a fast-changing, tech-heavy industry, staying relevant means putting meaningful product improvements first, not just chasing the latest trend.

    • ING’s Technology-Led Loan Servicing Transformation by Pranjal Saikia, IT (Area) Lead, Wholesale Banking Tribe, Lending Client Servicing & Reporting Area, ING (in cooperation with DXC Technology)

    Harnessing automation, platform unification, and data-driven operations to scale commercial loan servicing with precision and purpose.

    – Consolidating systems,

    – Unifying process,

    – Automation to achieve scalability that enables the digitalization of surrounding journeys

     

    Panel – Inside the Lending Revolution: Platforms, Partners and Purpose

    • Ciprian Dragomir, Product Owner, Digital Lending, Offline Journeys Platform, tbi bank (Romania)
    • Thomas Vles, Founder & CEO, GoDutch (Netherlands)
    • Jarkko Maensivu, CEO and Chairman, Saldo Bank (Finland)
    • One more place available

    Moderator: Martijn Gerritsen, Director, EY Panthenon

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    12:00 – 14:00
    Session 2: Building Digital Trust: AI Regulation, Cyber Defence & Compliance Innovation

     

    Presentations:

    • Responsible AI in Credit Decisions: Turning Regulation into Advantage by Jan Kamphuis, Founder & CEO, Caronne Download Presentation
    • What every CxO needs to know about Cybersecurity by Yevhen Baliutov, Chief Information Security Officer, Raiffeisen Bank Ukraine Download Presentation

    The power of Orchestration for smarter and faster compliance by Jens Verboven, Client Director, Harmoney Download Presentation

    • Modernising the Dutch Sanctions Acts by Nathan Oostindjer, Senior Policy Advisor, Ministry of Foreign Affairs Download Presentation
    • European AI Act in Practice by Nicole Onuta, Lead AI Risk Management, ING

     

    Panel – Navigating the New Risk Frontier: DORA, AI, and the Future of Digital Trust

    • Dhritiman Mukherjee, DXC Consulting Industries, Financial Services Lead
    • Nicolas Kozakiewicz, Chief Innovation Officer, Worldline
    • Nicole Onuta, Lead AI Risk Management, ING
    • Bhasker Rao, Co-Founder, Condukt

    Moderator: Ivana Nikolik, CGO – Business Development, Atos

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    15:00 – 17:00
    Session 3: CBDCs, Stablecoins and Real-Time Payments: The New Monetary Architecture

     

    Presentations:

    • CBDCs, Stablecoins and deposit tokens: digital money through competition and coexistence by Igor Mikhalev, Partner, Software and Emerging Tech Strategy, EY Panthenon (20 mins)
    • Moneytak, a Quantum safe and fully secured offline prepaid app by Bruno Sanglé-Ferrière, CEO, Carrousel Digital (10 mins) Download Presentation
    • Crypto & Payments at DZ Bank by Ulrich Loof, Vice President, DZ Bank (10 mins) Download Presentation
    • The digital euro: catalyst or complication? by Menno Broos, Project Lead Digital Euro, De Nederlandsche Bank (20 mins) Download Presentation
    • Instant Payments the new normal by Michael Knetsch, Global Head of Instant Payments, Deutsche Bank (10 mins) Download Presentation
    • RealTime Payments – why right here, right now matters by Paul Francis Walvik-Joynt, SVP, Real Time Payments, Mastercard (20 mins)

     

    Panel – “The Race to Digital Money: How Banks and Market Infrastructures are Shaping the Future of Value Exchange (45 mins)

    • Kevin Wielockx – Legal, Governance & Regulatory Division, Euroclear
    • Joris Dekker, Market Infrastructures, Head of Digital Euro, ABN AMRO Bank
    • Daniele Dondi, Lead Digital Strategy & Innovation Wholsesale Banking, ING Bank
    • Bruno Sanglé-Ferrière, CEO, Carrousel Digital

     

    Moderator: Igor Mikhalev, Partner, Software and Emerging Tech Strategy, EY Panthenon

    Hall 1

     

    17:30 – 20:30
    Money Party

     

    Networking with The Banking 50 and EDFC
    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.

     

      * Mandatory fields