Excellence in Digital Banking & Product Development- International Summit

May 20-23, 2025 - Istanbul, Turkey

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Excellence in Digital Banking & Product Development- International Summit

May 20-23, 2025 - Istanbul, Turkey

Excellence in Digital Banking & product Development- International Summit 20-23 May 2025, Istanbul/Turkey is a highly anticipated premier event that will be held in the vibrant city of Istanbul, Turkey, from May 20th to 23th, 2025. This summit will bring together industry leaders, experts, and innovators in the financial technology sector to explore and discuss the hottest topics shaping the future of digital banking. Here are ten hot topics that are expected to take center stage during this exciting event

Testimonial

Discover insights and testimonials from industry leaders at the Excellence in Digital Banking 4.0 International Summit, held in Istanbul, Turkey, from May 20-23, 2025. Join global experts as they share their success stories, innovations, and breakthroughs shaping the future of digital banking. Don’t miss this exclusive opportunity to learn from top voices in the field!

Speakers

Join industry-leading experts and visionaries at the Excellence in Digital Banking 4.0 International Summit, May 20-23, 2025, in Istanbul, Turkey. Hear from global digital banking leaders as they share insights on the future of fintech, AI-driven customer experiences, cybersecurity, and financial inclusion. This premier event gathers thought leaders, innovators, and decision-makers to discuss and shape the next wave of digital banking transformation. Don’t miss the opportunity to learn from and network with top speakers driving excellence in digital banking worldwide!

Halil Özcan

Executive Vice President - Chief Digital Officer Burgan Bank Türkiye

Nikoletta Kovacs

ESG Business Development Leader Raiffeisen Bank International AG, Austria

Ivan Ivanov

Director Retail Banking Bulgarian American Credit Bank, Bulgaria

Sorin M Vlad

Head of Credit Risk Modelling UniCredit Bank, Italy

Siri Chandana Surapaneni

Executive Vice President - Chief Digital Officer Morgan Stanley, USA

Jose Luis Navarro Llorens

Strategy Open Banking BBVA, Spain

Amber Henderson Smart

Global Payments Solutions HSBC, UK

Escolástico Sánchez Martínez

Executive Director BBVA

Okan Acar

Head of Digital Banking Group Kuveyt Türk, Turkey

İpek Korkmaz

Senior Product Manager ING, Netherlands

Stefan Moster

Head Group Investment Compliance VP Bank, Liechtenstein

Jessica Reynoso Maciel

ESG Delegate MoraBanc

Vanja Tokic

Senior Expert Transformation Manager | Retail Strategy & Digital Transformation Raiffeisen Bank, Austria

Atul Chandorkar

Head of Data Science & AI Qatar Islamic Bank, Qatar

Hazal Muhtar

Director of Product Analytics Wise, UK

Ernestas Bartkevičius

Head of Identity and Access Management SEB, Lithuania

Vasiliki Kyriakou

AMLCO/Manager Financial Crime and Sanctions Hellenic Bank Public Company, Cyprus

Alex Clements

Financial Crime Operations Griffin, UK

Patrick Weber

Process Owner Onboarding Erste Group, Austria

Susana Ponce Froment

Global Head of Financial & Credit Risk Tide, UK

Tomáš Reytt

Director of Sales & Distributional Channels CZ & SK mBank, Czechia

Martins Vitor

Head of International Marketing & Member of Executive Committee Banque BCP, France

Riccardo Volpato

Senior Manager - Group Head of Model Risk Model Identification and Inventory Intesa Sanpaolo, Italy

Sadık Baş

Head of Affluent Segment Management Garanti BBVA, Turkey

Benjamin Fistein

Senior Manager, CEE Strategic Initiatives Visa, Czechia

Tolunay Akba

Team Leader Digital Onboarding Akbank, Turkey

Ledi Lapaj

Director Customer Experience Bank of Ethiad, Jordan

Mariam Ogunbambi

Chief Client Officer Starling Bank, UK

Martin Rosa

Product Owner Ceska Sporitelna, Czechia

Sachin Torne

SVP – Global Payments Transformation Citi, UK

Tanja Imamovic

Digital Transformation & Technology Strategist Raiffeisen Bank International AG, Austria

Amit Khare

Global Data Science Lead and Deputy Head of Transformation Compliance Société Générale, UK

Matthias Liermann

Global Head of Product Management DWS Group, Germany

Krasimir Gradinarov

Compliance Manager High-Risk Clients & Products - Group Anti Financial Crime UniCredit, Italy

Jurgen Vandenbroucke

Managing Director KBC Group & everyoneINVESTED, Belgium

Dipu K V

President Bajaj Allianz General Insurance Company, India

Essam Fawzy

Vice President Program Delivery - Fintech Consultant supporting RAK Bank, Dubai

Ivana Vujosevic

Business Development, Marketing & Product Development Western Union, Austria

Kirsty Rutter

Group Fintech Investment Director Lloyds Banking Group, UK

Seda Nerkiz Tüzer

Head of Cash Management Product Development DenizBank, Turkey

Neva Arslan

Digital Business & Product Development | Product Owner Garanti BBVA, Turkey

Öznur Güngör

Product Management and Business Development Executive Yapı Kredi, Turkey

Ainhoa Barco Medina

Group Head of Product Governance / Compliance Banco Santander, Spain

Levent Kazim Oguz

Head of Digital Channels & Open Banking Denizbank, Turkey

Adam Walendziewski

Digital Business Banking Tribe Lead ING, Netherlands

Cem Soydemir

Head of Payments Go-To-Market SWIFT, Dubai

Prakash Pillay

Executive Director UBS, India

Wan Norhaziki Wan Abdul Halim

Global Head of Shariah Governance Credit Agricole, Dubai

Schedules

Join the Excellence in Digital Banking 4.0 International Summit from May 20-23, 2025, in Istanbul, Turkey. Discover cutting-edge trends, network with global industry leaders, and gain insights into the future of digital banking. Don't miss out on sessions, workshops, and panel discussions designed to drive innovation and excellence in financial technology.

09:00

Key Factors to Overcoming Industry Challenges: Outlook for 2025

• Analysing the implications of higher capital costs and lower valuations for the fintech industry • Exploring the future of open banking and its potential impacts • Discuss key strategies to enhance financial intelligence reporting and strengthen controls • Preparing for increased regulation with proactive measures and compliance strategies

09:40

Sustainable Finance and ESG Opportunities

Aligning Investments with ESG Principles: Explore strategies to incorporate environmental, social, and governance (ESG) criteria into investment decisions for long-term value creation. Driving Innovation through Green Finance: Leverage sustainable finance instruments such as green bonds and impact investing to address global challenges like climate change and resource scarcity. Regulatory Compliance and Reporting: Understand emerging ESG regulations and reporting frameworks to ensure transparency and accountability in sustainable financial practices. Unlocking Market Potential: Identify new growth opportunities in sustainable sectors, including renewable energy, circular economy, and social impact enterprises.

11:00

Branch of the Future: Virtual Branches and Digital Banking Innovations

• Best practices for designing and implementing digital branches to enhance customer acquisition and retention • Case studies showcasing successful strategies in digital banking innovation • Discuss the future trends and technologies shaping virtual branches and the bank of the future

11:40

The integration of digitalization and automation through a new credit decision engine marks a significant shift in institutional transformation

The integration of digitalization and automation through a new credit decision engine marks a significant shift in institutional transformation

13:30

Creating Seamless Payment Experiences: Balancing Fraud Risk and Conversion

• Strategies to balance fraud prevention and high conversion rates • Designing seamless payment journeys for enhanced user experience • Innovative solutions to ensure secure and efficient payment processes

14:10

Sustainable Banking and Green Finance: Integrating Environmental Criteria into the Banking Model

How banks can incorporate sustainability and environmental criteria into their operations and financial product offerings, including: • Innovations in Green Financial Products • Emerging Technologies • Regulations and Standards

15:10

Open Finance: Exploring Alternative Business Models

Redefining Financial Services: Discover how open finance enables innovative business models by leveraging APIs to deliver personalized and interconnected financial solutions. Fostering Collaboration and Ecosystems: Explore partnerships between traditional institutions, fintechs, and non-financial entities to create new value chains and expand market reach. Empowering Consumers with Data: Harness the power of data sharing to offer consumers greater control over their financial lives, enabling tailored products and services. Navigating Challenges and Opportunities: Address regulatory, security, and interoperability challenges while unlocking the potential for competitive advantage in an open finance ecosystem.

15:50

Tomorrow's Onboarding Today: Trends Reshaping the Future of Banking Customer Engagement

• Embracing technology for seamless banking experiences • Navigating Digital Transformation in banking customer onboarding • Tomorrow's Onboarding Today: Trends reshaping the future of • banking customer engagement

09:00

Data-Driven and AI-Powered Retail Banking

• Personalized Customer Experiences: Utilize AI and data analytics to provide customized banking services and product recommendations • AI-Enhanced Risk Management: Employ AI for real-time fraud detection and credit assessments, improving risk management • Operational Efficiency and Automation: Implement AI-driven automation to streamline operations and enhance customer service efficiency

09:40

Mitigating Fraud and Financial Crime Risks in AI Applications

• Addressing threats like deep fakes and voice manipulation in finance that target customers and businesses • Exploring the roles and responsibilities in distinguishing between genuine and fraudulent transactions • Assessing the accuracy and future potential of AI in identity verification processes. • Examining the effectiveness of biometric authentication in rebuilding customer trust and combating fraud challenges

11:00

AI in Payments: Unveiling the True Impact Beyond the Hype

• Explore AI's transformative potential in the payments industry beyond financial crime prevention and customer interaction • Discuss innovative use cases of AI that could revolutionize the payment landscape • Evaluate whether AI in payments lives up to its revolutionary promise or if it’s merely hype

11:40

Building the AI-Powered Bank: Transforming Retail Banking with Artificial Intelligence

• Trying to harness AI for Digital Transformation in Retail Banking • How we use data & real-time events to create hyper-personalized experiences • Can we use AI to enhance human interactions • Building trust in AI and data-driven banking is the challenge

13:00

Navigating AI Safety Regulations in the Finance Industry: Managing Data and Privacy Risks

• Exploring how finance companies are addressing data management and AI risk in a rapidly evolving digital landscape • Examining the challenges related to data privacy and GDPR compliance while leveraging AI to enhance client services.

15:10

Enhancing Information Translation and Summarization Strategies in Business

• Translating technical data results effectively to expedite service delivery • Utilizing Generation AI (GenAI) to analyse client behaviour and intelligently segment product interests and service • Addressing methods to mitigate and minimize biases and hallucinations in analytical results • Evaluating the effectiveness of GPT and GenAI in achieving high productivity and efficiency

16:30

Panel Discussion: Leveraging Automation and AI to Save Time and Costs

• Factors influencing cost and time efficiency in automation • Strategies and tools supporting automation and AI for improved performance • Analysing the balance between risks and results in automation initiatives • Real-world examples of businesses saving time and boosting productivity through automation • Challenges and opportunities in integrating automation and AI technologies • The role of workforce training in maximizing the benefits of automation • Regulatory considerations and their impact on automation implementation

09:00

Transforming Customer Experience: The Impact of Conversational AI

• Understanding the role of conversational AI in enhancing customer interactions across various channels • Leveraging AI-driven insights to personalize customer service and improve engagement • Exploring the integration of chatbots and virtual assistants in streamlining customer support • Evaluating the challenges and opportunities of implementing conversational AI in business strategies

09:40

Innovative Product Development Strategies: Navigating the Future of Banking

• Understanding market trends, client data and customer needs to drive successful product innovation • Digital advisory as a turning point in customer care • Leveraging agile methodologies for faster and more responsive product development cycles • The role of cross-functional teams in fostering collaboration and creativity during the development process • Balancing risk and reward: Strategies for testing and validating new banking products in the market • Switch from the product view to Customer Life Time Value

11:00

Innovative Product Development Strategies: Navigating the Future of Banking

• What are the opportunities and challenges in traditional banks collaborating with fintech’s for product development? • How can banks effectively find the right match and integrate fintech solutions into their product portfolios? • Regulatory descriptions in the Banking and Fintech space • Staying ahead of the curve and adapting to changing trends in the fintech landscape

11:40

Digitization for Business Banking customers

Streamlining Banking Operations: Implement digital tools to simplify account management, payments, and lending processes for business customers. Enhancing Customer Experience: Leverage user-friendly platforms and mobile apps to provide seamless access to financial services and real-time account insights. Driving Efficiency through Automation: Utilize AI and automation to reduce manual tasks, improve transaction accuracy, and speed up service delivery for business banking clients. Offering Personalized Solutions: Use data analytics to tailor financial products and advisory services to meet the unique needs of business banking customers.

13:30

Mobile-First Banking Products

• Enhancing mobile banking apps for a better user experience • Innovations in mobile payments and digital wallets • Addressing security and privacy issues in mobile-first banking

14:10

A holistic approach to the digital and AI transformation

• GenAI wave • Pitfalls of the short-term strategies • Opportunity for the holistic approach and continuous change • RBI Case Study: AI Transformation

15:10

Managing Risk in Banking Product Development: A Product Governance Approach

• Identify and mitigate risks by designing products that prioritize customer interests and prevent issues like mis-selling or unclear communication. • Financial and Non-Financial Risk Management • Incorporating Sustainability in Risk Assessment

15:50

Strategic Risk Management in New Product Development for the Banking Sector

• Engaging Customers in Risk Identification • Comprehensive Risk Assessment: Financial and Non-Financial Dimensions • Integrating Sustainability Considerations into Risk Management

09:00

Delivering Inclusive Digital Onboarding Experiences: Balancing Efficiency and Fraud Prevention

• Exploring the demand for fast, friction-free online experiences including e-signing, age verification, and account creation • Addressing vulnerabilities to AI-generated deepfakes and fraud in digital onboarding processes • Learning from countries using reusable digital IDs created from banking data to meet regulatory and customer demands • Discussing the impact of new UK regulations on the future identity landscape and implications for businesses • Strategies to enhance digital onboarding security while maintaining inclusive and efficient customer experiences

09:40

Successful Implementation of Effective AML and Anti-Fraud Strategies

• Developing robust AML frameworks tailored to organizational risk profiles • Leveraging advanced analytics and AI for proactive fraud detection and prevention. • Enhancing collaboration between financial institutions and regulatory bodies to combat financial crime • Case studies showcasing successful implementation and outcomes of AML and anti-fraud strategies

11:00

Delivering Inclusive Digital Onboarding Experiences: Balancing Efficiency and Fraud Prevention

Delivering Inclusive Digital Onboarding Experiences: Balancing Efficiency and Fraud Prevention

11:40

Identity and Payments: Innovations Shaping the Future

• Exploring innovations in identity verification to enhance the speed and seamlessness of payment journeys • Strategies for financial institutions and retailers to streamline payment processes while maintaining compliance and security • Impact of developments like Confirmation of Payee, the EU Digital Identity Wallet, and PSD3 on the payments landscape • Leveraging biometric authentication and AI-driven fraud detection to enhance payment security • The role of blockchain and decentralized finance (DeFi) in transforming identity and payment systems

13:30

Leveraging digital tool to tackle New Sanctions Designations

• Automated Compliance Monitoring • Risk Mitigation and Analysis • Streamlined, Reporting and Auditing. • Improved efficiency in Sanctions Screening

14:10

Mitigating Financial Crime in the Era of Digital Banking

• Advanced Fraud Detection and Prevention • Navigating Regulatory Compliance in a Digital World • Emerging Threats and Cybersecurity Strategies

15:10

Safeguarding Customers Against Financial Scams: Strategies for Financial Institutions

• Identifying personal circumstances that increase vulnerability to APP fraud, investment scams, and money mulling • Utilizing innovative technologies for more effective detection and monitoring of suspicious behaviors • Implementing educational initiatives to empower customers with knowledge on recognizing and avoiding financial scams • Discussing the impact of regulatory changes shifting liability and responsibilities in fraud prevention

09:00

Digital Engagement Techniques in Retail Banking

• How context complements product development in digital retail banking • The essence of choice architecture and behavioral design • Algos that capture client intent, improve financial well-being and boost loyalty • Use cases and proven business evidence • Relevance and impact in light of regulatory change, notably the Retail Investment Strategy in Europe and Consumer Duty in the UK

09:40

Cybersecurity in Product Development

• Building secure financial products in the age of digital banking. • Addressing the rise of cyber threats in banking • Role of biometrics and blockchain in enhancing security

11:00

Banking Products: Meeting and Exceeding Client Expectations in a Dynamic Market

• Identifying key client expectations and how they shape banking product development • Strategies for enhancing customer experience through personalized banking solutions • The role of technology in improving service delivery and client engagement • Gathering and analyzing client feedback to continuously refine banking products

11:40

The Impact of Technology on Banking Products: Shaping the Future of Financial Services

• Examining how fintech innovations are transforming traditional banking products and services • The role of mobile banking and digital wallets in enhancing customer convenience and accessibility • Leveraging data analytics and AI to create personalized banking solutions for consumers • Identifying regulatory challenges and opportunities arising from technological advancements in the banking sector

13:30

Cryptocurrencies and Digital Assets in Future Banking Products

• The invention of digital money and its impact on traditional banking systems • Recent trends driving the adoption of digital assets in financial services • The role of stablecoins, deposit tokens, and central bank digital currencies (CBDCs) in modern banking • Tokenization of assets and securities: opportunities and challenges for the future

14:10

Prioritizing People Over Profits: A User-Centric Approach to Driving Business Growth

• The importance of prioritizing customer experience in driving long-term business success • Strategies for gathering and analysing user feedback to inform product development • Creating a culture of empathy and collaboration to enhance customer engagement • Leveraging data-driven insights to personalize offerings and improve customer satisfaction

15:10

Digital Transformation in Banking

• Transition from traditional banking to digital platforms • The role of AI and machine learning in enhancing customer experience • Case studies on successful digital transformation

09:00

The Future of Fintech and Hyper-Personalization in Digital Banking

Revolutionizing Customer Experiences: Leverage AI and machine learning to deliver hyper-personalized financial products and services tailored to individual customer needs and preferences. Enhancing Real-Time Interactions: Implement advanced analytics and real-time data processing to provide timely insights, predictive recommendations, and proactive customer engagement. Innovating Through Embedded Finance: Integrate financial services seamlessly into non-financial platforms, enabling personalized financial solutions directly within customers' daily digital activities. Balancing Personalization and Privacy: Navigate the challenges of data security and compliance while delivering personalized experiences that build trust and customer loyalty.

11:00

Enforcement Trends: Insights from Recent Penalties to Meet Regulatory Expectations

• Learning from recent bank and fintech enforcement actions, including the consent order with Blue Ridge Bank • Understanding key compliance areas regulators are focusing on • Exploring the heightened emphasis on third-party oversight • Priorities for 2025 and collaborative approaches to enforcement actions

11:40

Hyper-Personalization in Digital Banking: Tailoring Customer Experiences for the Future

• Implementing AI and machine learning to create personalized banking experiences • Leveraging data analytics to understand customer behaviors and preference • Case studies of successful hyper-personalization strategies in digital banking • Addressing privacy concerns and regulatory considerations in hyper-personalized banking

13:30

PSD3 and National Payments Strategy: Understanding the What, When, and How

• Overview of the key provisions and objectives of PSD3 (Payment Services Directive 3) • Timeline for implementation and expected milestones under PSD3 • Strategies for national payments strategies to align with PSD3 goals • Impact on financial institutions, consumers, and the broader payments ecosystem

14:10

Harnessing Quantum Computing for the Future of Finance: Opportunities and Challenges in Digital Banking

Harnessing Quantum Computing for the Future of Finance: Opportunities and Challenges in Digital Banking

09:00

Navigating the Cloud Dilemma: Balancing Convenience with Robust Security

• Understanding the trade-offs between accessibility and security in cloud computing solutions • Best practices for implementing security measures without sacrificing user experience • Evaluating different cloud models: public, private, and hybrid approaches to security • The role of regulatory compliance in shaping cloud security strategies for businesses

09:40

The Future of Banking Products and Marketing Strategies: Adapting to a Changing Landscape

• Identifying emerging trends in consumer behaviour and their impact on product development • Leveraging digital marketing tools to reach and engage target audiences effectively • Integrating sustainability and social responsibility into banking product offerings and marketing • The role of data analytics in shaping tailored marketing strategies for diverse customer segments

11:00

Sustainability & Green Banking

• Development of sustainable financial products • Financing renewable energy and sustainable infrastructure • Role of ESG (Environmental, Social, Governance) metrics in banking

11:40

Banking Products: Leading with customer needs!

Customer-Centric Product Design: Develop banking products based on deep insights into customer behaviors, preferences, and financial goals. Flexible and Tailored Solutions: Offer customizable banking products that adapt to the diverse needs of individual and business customers. Enhancing Accessibility and Inclusivity: Design products that cater to underserved segments, ensuring financial inclusion and equal access to banking services. Continuous Feedback and Innovation: Utilize customer feedback and market trends to refine and innovate products, ensuring relevance in a dynamic financial landscape.

13:30

Product Lifecycle Management: Optimizing Development from Concept to Retirement

• Understanding the stages of the product lifecycle and their implications for banking products • Strategies for effective collaboration across departments to enhance product development • Utilizing data analytics to inform decisions at each stage of the product lifecycle • Best practices for managing product retirement and ensuring smooth transitions for clients

14:10

Innovative Banking in Transition: Seizing Opportunities Amid MENA’s Economic Transformation

• The impact of economic shifts on banking strategies and customer behavior in the MENA region • Emerging technologies driving innovation in banking products and services • Navigating the evolving regulatory landscape: Opportunities for compliance and innovation • The potential for partnerships between traditional banks and fintech to enhance service offerings and drive growth

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**Join Us for the Excellence in Digital Banking 4.0 – International Summit!**

**Date:** May 20-23, 2025
**Location:** Istanbul, Turkey

Are you ready to shape the future of digital banking? Join industry leaders, innovators, and global experts at the **Excellence in Digital Banking 4.0 – International Summit** to unlock cutting-edge insights and strategies for the next generation of banking.

**Why Attend?**
- **Engage** with global banking pioneers sharing the latest trends and technologies.
- **Network** with senior executives and industry disruptors from around the world.
- **Discover** transformative ideas in fintech, AI, blockchain, cybersecurity, and more.

**Secure your spot today and be part of the digital revolution in banking!** Don’t miss this unique opportunity to lead, learn, and innovate at one of the most anticipated events in digital finance.

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