● How artificial intelligence and automation are transforming decision-making, risk management, and customer engagement ● Building and maintaining trust in an era of algorithms, personalization, and data-driven finance ● The evolving role of banks as digital ecosystems — from service providers to intelligent financial partners
● Integrating AI and ML with digital banking to personalize services, predict customer needs, and advance fraud detection capabilities ● Creating dynamic customer profiles using real-time behavioral data and transaction patterns ● Deploy AI agents for contextual financial advice and proactive product recommendations ● Balancing personalization with privacy concerns through transparent data usage policies
● Implementing AI chatbots that provide instant customer support and basic financial guidance across all digital channels ● Developing natural language processing capabilities for complex financial queries and transactions ● Creating seamless handoffs between AI assistants and human agents for high-touch interactions ● Measuring and optimizing conversation success rates and customer satisfaction metrics
The impact of future legal framework on payments (PSD3/PSR/DORA), in terms of fraud combating, innovation and the balance between conformity and legal framework as an innovation driver
● Leveraging APIs to enable faster, more secure, and customer-focused digital services ● Transitioning to Open Finance with broader data for personalized insights and new value-added offerings ● Upgrading data architecture for real-time access and secure sharing ● Building API marketplaces that foster fintech collaboration while staying compliant
● Expanding partnerships between banks, fintechs, and tech providers to create seamless, interconnected financial experiences ● Empowering customers with greater control over their financial data and access to smarter, integrated services ● Monetizing open data through innovative business models and personalized financial products ● Ensuring trust and transparency as the foundation for a thriving open finance environment
● Competing with Neobanks through Innovation ● Building Customer-First Products in Legacy Systems ● Supporting SMEs' Liquidity in Wartime Economy
AI-driven onboarding, digital lending transformation, and intelligent decisioning
AI and Risk Management AI-driven onboarding, digital lending transformation, and intelligent decisioning
● Explore how to leverage AI effectively in banking operations, with a focus on KYC and compliance processes ● Discuss the evolving skillsets required for teams to collaborate with AI, emphasizing that AI is an enhancement, not a replacement, of employees ● Highlight practical examples of AI optimization in KYC — improving efficiency and compliance while maintaining human oversight and customer interaction ● Provide insights on future-ready teams, where AI amplifies capabilities, reduces repetitive tasks, and enables employees to focus on higher-value activities
● Deploying AI systems that not only detect but instantly prevent fraudulent activity by blocking suspicious transactions in real time ● Implementing biometric authentication across digital channels to strengthen identity verification and reduce account takeovers ● Developing real-time fraud scoring models powered by behavioral analytics to identify anomalies faster and more accurately ● Creating collaborative fraud intelligence networks with other financial institutions to share data, patterns, and early warnings for stronger collective defense
● Positioning digital identity as the cornerstone of bank security, with financial institutions leading the way in digital trust and fraud prevention ● Implementing advanced KYC processes powered by AI-driven document verification and biometric authentication ● Creating unified customer identity profiles across all channels to detect and prevent synthetic identity fraud ● Developing national e-ID integration strategies to enable seamless and secure cross-border banking experiences
● From Curiosity to Capability: In just 18 months, BBVA has turned experimentation into large-scale adoption—embedding GenAI in the daily work of tens of thousands of employees. ● Leading in a Fast-Moving Frontier: As reasoning, multimodality, and agents redefine the state of the art, organizations must stay flexible and human-centered to capture real value. ● People First, Always: The success of AI depends not on the tools themselves but on trust, learning, and responsible empowerment—turning every employee into an innovator.
● Establishing digital identity as a foundation for secure, trusted, and seamless customer interactions ● Leveraging AI and biometrics to verify identities instantly and prevent fraud across all digital touchpoints ● Integrating identity data across systems to create unified customer profiles and enable personalized experiences ● Collaborating with regulators and tech providers to advance interoperable digital ID frameworks for cross-border banking
● Building customer confidence with clear data privacy policies ● Leveraging blockchain and decentralized identity for enhanced security ● Providing customers with greater control over their personal data
● Beyond Automation: When Banks Start Thinking ● The Intelligent Banking Blueprint: From Automation to Autonomy ● Smart Collaboration Between Fintechs and Banks in Autonomous Banking Models ● The Self-Learning Bank: Transformation Through Data, Talent and Trust
● Responding to the surge in instant payments driven by the demand for always-on, instant-everything experiences ● Implementing real-time payment infrastructure that ensures 24/7 transaction processing with reliability and speed ● Developing advanced fraud prevention systems tailored to the unique risks of real-time payment environments Educating customers on the benefits and potential risks of instant payments to foster confidence and adoption
● Developing comprehensive crypto strategies as regulation and market adoption push more institutions into the digital asset space ● Building secure custody solutions for cryptocurrencies and tokenized assets ● Implementing tokenization platforms to modernize and expand traditional financial products ● Creating stablecoin-based payment rails to enable faster and more efficient cross-border transactions
● Migrating legacy systems to agile, cloud-native, microservices-based architectures ● Building API-first platforms that accelerate innovation, integration, and product deployment ● Implementing DevOps practices to enable continuous development, testing, and delivery ● Adopting multi-cloud strategies to enhance resilience, scalability, and vendor independence
● Integrating payments and lending solutions directly within social media platforms for seamless transactions ● Developing social proof mechanisms to build trust and transparency in financial product recommendations ● Creating influencer partnership programs that promote financial literacy and product awareness ● Designing youth-oriented banking products aligned with social media habits and digital lifestyles
● Developing carbon footprint tracking tools seamlessly integrated into digital banking apps. ● Creating green lending products supported by automated ESG scoring and sustainability data ● Implementing AI-powered investment platforms that promote responsible and sustainable portfolios ● Building transparent reporting systems to measure and communicate environmental impact metrics
As banking continues to evolve beyond traditional boundaries, institutions are reimagining their roles within digital ecosystems. This panel will explore how embedded finance, real-time payments, digital assets, and sustainability are reshaping the financial landscape — and what it takes to thrive in an interconnected, technology-driven world.
