A published running order
Start times and discussion points are published ahead of the summit, so delegates can plan the days around the sessions that matter to their own mandate.
Program and agenda · 25–27 November 2026
Three days. Ten themes. One strategic agenda.
The complete Excellence in Digital Banking 7.0 programme, Amsterdam 2026.
Three days, ten themes, one strategic agenda — laid out in the order it will actually run.
- Day 1 25 November 2026 10 sessions
- Day 2 26 November 2026 12 sessions
- Day 3 27 November 2026 11 sessions
Program and agenda
How the programme is built
The agenda is designed, not assembled. Each day has a shape, sessions are timed against attention rather than against slot availability, and the discussion points are published in advance.
Days with a theme
Day one takes enterprise AI and operating model, day two identity, experience and payments, day three architecture, risk, open finance and sustainability.
Short sessions, real discussion
Sessions are kept tight and chaired, which is what leaves room for the roundtables and the questions that follow them.
Panels that close the day
Panel discussions are placed at the end of the day so that the earlier sessions feed into them rather than the other way round.
Downloadable agenda
The organiser publishes the full agenda as a PDF, kept current on the official summit website.
Recordings of the programme
Sessions are recorded and included with the packages, so the programme remains usable after the three days are over.
25–27 November 2026 · Amsterdam, Netherlands
The full three-day agenda
Every session across the three days, with the speaker, the published start time and the points each session will cover. This mirrors the official schedule maintained by PulseCore Events.
Day 1
25 November 2026 10 sessions09:00
Re-architecting the Bank Around AI
Frans Van Bruggen — Independent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
- Moving from AI pilots to enterprise-wide transformation
- Embedding AI into strategic decision-making at board level
- Aligning data, talent and technology for AI-driven banking
- Redefining leadership in an AI-native financial institution
09:30
Building the Hybrid Banking Model: Merging Digital and Physical Touchpoints
Ronelle Arbib — Chief Operating Officer, Recognise Bank, UK
- Transitioning from workflow automation to AI-driven operations
- Rethinking operational structures and digital workforces
- Integrating AI agents across banking services
- Measuring productivity gains and operational transformation
10:00
How banks can scale AI safely and govern agentic AI
Mitul Vadgama — Advanced Analytics and AI Lead - Artificial Intelligence CoE, Lloyds Banking Group, UK
- Scaling AI beyond pilots
- Agentic AI use cases in banking
- Governance, controls, and oversight
- Trust, compliance, and resilience
11:00
The Future Operating Model of a Digital Bank
Joris Krijger — AI Governance Officer, ASN Bank, Netherlands
- Moving from product-centric to customer-centric structures
- Aligning technology, business and operations leadership
- Creating faster decision cycles in complex organizations
11:30
Ambition to Architecture, what vision really demands
Ashtha Bajaj — Data, Analytics & AI Leader, Bank of Ireland, UK
- Ambition creates direction, but architecture determines whether transformation can scale securely, sustainably, and at speed.
- Vision in banking demands more than innovation, it requires resilient data, technology, governance, and operating models working as one ecosystem.
- The institutions that win will be those that simplify complexity, build adaptable platforms, and turn strategy into repeatable execution.
12:00
Unlocking the Business Potential of Generative AI in Banking
Jules Ferdinand Pagna Disso — Head of Cyber Risk Intelligence, Insider Technology Risk and Digital Asset Risk, BNP Paribas, UK
- Advancing beyond basic AI tools toward high-impact business applications
- Enhancing financial advisory services and operational decision-making with generative AI
- Ensuring secure and responsible AI adoption across the organization
- Evaluating performance, efficiency, and long-term return on AI investments
13:30
Generative AI in Banking: From Experiments to Core Business Value
Jan Sedlařík — Hybrid AI Product Owner for Realization squad, AI upskilling and Internal delivery teams, Česká Sporitelna, Czechia
- Moving beyond chatbots toward strategic applications
- Integrating generative AI in a supportive role for business operations
- Scaling AI capabilities safely across business lines
- Strategic directions for AI implementation aimed at business value generation
14:30
From AI Hype to Real Control: Safe Legacy Evolution
Ohad Kotler — CEO & Co-Founder, Tweezr
- Combining deterministic system intelligence with AI
- Grounding insights in source code to maintain control
- Modernizing legacy systems without a disruptive big bang
15:30
Digitizing Wholesale Banking: Smarter Client and Service Models
Ellen Van Acker — COO Wholesale Banking Client & Digital Services, ING, Netherlands
- Transforming wholesale banking through digital client journeys
- Improving efficiency with data-driven service models
- Balancing automation, personalization and relationship banking
16:00
AI Model Risk in Banking: Governing GenAI and Agentic AI at Scale
Anish Shah — Director - Model Risk, Internal Audit, NatWest, UK
- Managing AI risk across credit, fraud, pricing and customer decisions
- Governing GenAI and AI agents through validation and human oversight
- Balancing regulatory expectations with faster, responsible AI adoption
Day 2
26 November 2026 12 sessions09:00
Hyper-Personalized Banking Experiences
Romano Ramanti — Vice Director, Zürcher Kantonalbank, Switzerland
- Leveraging AI to anticipate customer needs
- Delivering contextual financial guidance in real time
- Moving from reactive service to proactive engagement
10:00
Designing Banking Experiences for the Digital Generation
Ed Vinicombe — Director of Product Design, JP Morgan Chase, UK
- Designing simple, intuitive, and trusted digital banking experiences
- Understanding the expectations of mobile-first and digital-native customers
- Turning product design into a competitive advantage for banks
11:00
Eliminating Friction: The Future of Authentication
Haitham Aboulfotoh Rashwan — Head of Digital Banking & Alternative Channels, Emirates NBD, Egypt
- Moving beyond passwords toward biometric authentication
- Designing invisible authentication across channels
- Balancing convenience and security in digital access
11:30
New Approach to Design CX: Kuveyt Turk's Neuromarketing Lab
Okan Acar — EVP, Digital Banking and Payment Systems, Kuveyt Türk Katılım Bankasi, Turkey
- Using EEG and eye-tracking to understand customer responses
- Measuring subconscious reactions across digital and physical touchpoints
- Turning emotional engagement into better customer experience
12:00
The Future of Customer Verification
Shamsh Hoda — AI & Digital Innovation Strategist, Commerzbank, Germany
- Moving from one-time verification to continuous identity assurance
- Integrating behavioral and contextual identity signals
- Simplifying verification for repeat interactions
13:30
Who will own Digital Identity?
Sara Ehab Azmi — Head of Change & Project Management, Emirates NBD, Egypt
- Positioning banks alongside governments and technology platforms
- Exploring digital identity wallets and interoperable frameworks
- Using identity to reshape customer relationships and services
14:00
Digital Identity as the New Banking Infrastructure
Melvin Pellicano — Head of Digital Transformation and Product Development Department, BNF Bank, Malta
- Positioning banks as trusted identity providers
- Integrating national digital identity frameworks
- Building cross-border digital identity capabilities
14:30
Building Trust and Customer Confidence in Digital Banking
Lucy Cafferkey — Head of Media Relations, Starling Bank, UK
- Communicating innovation clearly in a fast-changing banking environment
- Building customer trust through transparency, security, and simplicity
15:30
Digital Wallets and Payments: Creating Daily Customer Engagement
Sadık Baş — Executive Vice President, Marketing Portfolio Management & Digital Products, Garanti BBVA Payment Systems, Turkey
- Turning digital wallets into everyday customer touchpoints
- Driving loyalty through payments, rewards, and personalized digital services
- Competing in a fast-growing payments and wallet ecosystem
16:00
Digital Banking for SMEs: From Online Services to Intelligent Business Partners
Olli Anteroinen — Head of SME Digital - Business Banking, Nordea, Finland
- Redesigning digital banking around SME needs
- Using data and AI for proactive financial guidance
- Helping SMEs save time and grow faster
16:30
Embedded Banking, Payments and Consumer Lending: The New Growth Engine
Kartik Taneja — Executive Vice President, Head of Payments & Consumer Lending, Mashreq Bank, Dubai
- Embedding banking services into customer journeys and partner platforms
- Connecting payments and lending to create seamless experiences
- Scaling growth models through ecosystems and partnerships
17:00
Panel Discussion: What is the future of Banking in 2030?
Swagatam Sen — Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
- Exploring how banks will compete, collaborate and innovate in the next era of financial services.
Day 3
27 November 2026 11 sessions09:00
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
Claudio Balbo — Senior Director - Head of IT Architecture, Intesa Sanpaolo, Italy
- Designing AI-ready banking architecture
- Modernizing legacy cores without disruption
- Cloud, APIs, and composable platforms
- Resilience, security, and DORA compliance
09:30
Managing Change Risk in an Age of Uncertainty
Edgars Sedovs — Head of Risk, Rietumu Banka, Latvia
- Risk in digital transformation
- Managing AI, cloud, and platform change
- Operational resilience in fast-moving banking
- Balancing innovation, control, and trust
10:00
Supervising the Intelligent Bank: Trust, Resilience and AI in Next-Generation Banking
Nina Schweighofer — JST Coordinator / Head of Section, European Central Bank, Germany
- Understanding how European supervisors assess AI-driven business models, governance and digital transformation
- Translating regulatory expectations — SSM priorities, DORA and the AI Act — into practical design choices for the intelligent bank
- Building board-level accountability and meaningful human oversight as AI enters core decision chains
- Managing the resilience challenge: cloud concentration, third-party AI models and legacy evolution
11:00
Open Finance, Digital Wallets and Embedded Banking: The Next Growth Model for Banks
Gaurab Arka Chaudhuri — Director of Group Strategy, Barclays, UK
- Open finance beyond open banking
- Digital wallets as new customer gateways
- Embedded banking and platform growth
- Competing in the future financial ecosystem
11:30
The Reinvention of Mobile Banking Platforms
Igoris Ryklys — Lead of Digital Channels, Swedbank Baltics, Lithuania
- Moving from transactional apps to financial life platforms
- Integrating payments, investments and lifestyle services
- Designing apps that become daily financial companions
- Building engagement beyond transactions
12:00
The Strategic Role of the Bank in a Platform Economy
Swagatam Sen — Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
- Competing with technology platforms for customer attention
- Leveraging trust and financial expertise as differentiators
- Building partnerships without losing strategic control
- Defining the future role of banks in digital ecosystems
13:30
Designing the Bank of the Digital Generation
David Bonavia — Lead Operational Risk Framework Manager, Metro Bank, UK
- Understanding evolving expectations of digital-native customers
- Building intuitive banking experiences for mobile-first users
- Simplifying financial services through better design
- Creating long-term relationships with younger customers
14:00
Sustainable Finance in the Digital Banking Ecosystem
Dominique Tremblay — Head of Enterprise Sustainability, BNY
- Embedding sustainability into digital banking strategy and product design
- Using data and technology to support ESG transparency and reporting
- Connecting sustainability, innovation, and long-term business value
14:30
Liquidity in the Digital Era: Real-Time Treasury and Smarter Client Solutions
Cindy Lo — Managing Director, Global Head of Liquidity Solutions, HSBC, UK
- How real-time payments are changing liquidity expectations
- Building smarter treasury solutions for corporate and institutional clients
- Using data and digital platforms to improve cash visibility and control
15:30
The Future of Transaction Banking in a Platform-Based Economy
Ekaterina Kozhevatova — Director, Commerzbank AG, Germany
- How transaction banking is evolving through platforms and ecosystems
- Strengthening client relationships through integrated digital services
- Combining payments, trade finance, and data-driven solutions
16:10
Panel Discussion: Deepfakes, Synthetic Identity and AI-Driven Fraud: The Next Frontier of Financial Crime
Lucy Cafferkey — Head of Media Relations, Starling Bank, UK
- Exploring how deepfakes, synthetic identity and AI-driven fraud are reshaping financial crime, and how banks can defend against the next frontier of threats.
Excellence in Digital Banking 7.0
About the summit
Three days, one room, one running order. The programme moves from enterprise AI and operating model on day one, through identity, experience and payments on day two, to architecture, risk, open finance and sustainability on day three.
Excellence in Digital Banking 7.0 – International Summit will take place in Amsterdam from 25–27 November 2026. The three-day summit will bring together senior banking leaders, regulators, technology experts and innovators to explore how artificial intelligence, digital identity, next-generation architecture, open finance, payments and platform banking are reshaping the financial industry. Participants can join the summit in person in Amsterdam or remotely through the online participation option.
A conference agenda is a claim about priorities. This one opens with enterprise AI and operating model, gives an entire day to identity, experience and payments, and closes on architecture, resilience, open finance and sustainability. Read as a sequence, it is a reasonably precise statement of what European banking currently considers urgent.
At PulseCore, we are dedicated to achieving new standards of excellence by providing conference formats that encourage interaction, networking, and high-class knowledge sharing. With a team of experts and a motivated staff committed to delivering quality, our vision is to be recognized as the global leader in providing high-quality business conferences. We strive to create events that inspire innovation, foster collaboration, and empower individuals to make a positive impact in their respective industries.
The essentials
- EventExcellence in Digital Banking 7.0 — International Summit
- Dates25–27 November 2026
- LocationAmsterdam, Netherlands
- FormatIn-person in Amsterdam and online participation
- Edition7.0 — seventh international summit
- OrganiserPulseCore Events s.r.o., Prague, Czech Republic
- 31Speakers
- 33Sessions
- 10Themes
The organiser's core values
- Leadership
- Innovation
- Responsibility
- Respect
Excellence in Digital Banking 7.0 is organized by PulseCore Events s.r.o.
31 confirmed speakers
Confirmed speakers
Every speaker on the published programme, with the role and institution exactly as confirmed by the organiser.
Sadık Baş
Executive Vice President, Marketing Portfolio Management & Digital Products, Garanti BBVA Payment Systems, Turkey
Digital Wallets and Payments: Creating Daily Customer Engagement
Day 2 (November 26)
Claudio Balbo
Senior Director - Head of IT Architecture, Intesa Sanpaolo, Italy
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
Day 3 (November 27)
Frans Van Bruggen
Independent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
Re-architecting the Bank Around AI
Day 1 (November 25)
Kartik Taneja
Executive Vice President, Head of Payments & Consumer Lending, Mashreq Bank, Dubai
Embedded Banking, Payments and Consumer Lending: The New Growth Engine
Day 2 (November 26)
Olli Anteroinen
Head of SME Digital - Business Banking, Nordea, Finland
Digital Banking for SMEs: From Online Services to Intelligent Business Partners
Day 2 (November 26)
Anish Shah
Director - Model Risk, Internal Audit, NatWest, UK
AI Model Risk in Banking: Governing GenAI and Agentic AI at Scale
Day 1 (November 25)
The full speaker list
- Ashtha BajajData, Analytics & AI Leader, Bank of Ireland, UK
- Cindy LoManaging Director, Global Head of Liquidity Solutions, HSBC, UK
- David BonaviaLead Operational Risk Framework Manager, Metro Bank, UK
- Dominique TremblayHead of Enterprise Sustainability, BNY
- Ed VinicombeDirector of Product Design, JP Morgan Chase, UK
- Edgars SedovsHead of Risk, Rietumu Banka, Latvia
- Ekaterina KozhevatovaDirector, Commerzbank AG, Germany
- Ellen Van AckerCOO Wholesale Banking Client & Digital Services, ING, Netherlands
- Gaurab Arka ChaudhuriDirector of Group Strategy, Barclays, UK
- Haitham Aboulfotoh RashwanHead of Digital Banking & Alternative Channels, Emirates NBD, Egypt
- Igoris RyklysLead of Digital Channels, Swedbank Baltics, Lithuania
- Jan SedlaříkHybrid AI Product Owner for Realization squad, AI upskilling and Internal delivery teams, Česká Sporitelna, Czechia
- Joris KrijgerAI Governance Officer, ASN Bank, Netherlands
- Jules Ferdinand Pagna DissoHead of Cyber Risk Intelligence, Insider Technology Risk and Digital Asset Risk, BNP Paribas, UK
- Lucy CafferkeyHead of Media Relations, Starling Bank, UK
- Melvin PellicanoHead of Digital Transformation and Product Development Department, BNF Bank, Malta
- Mitul VadgamaAdvanced Analytics and AI Lead - Artificial Intelligence CoE, Lloyds Banking Group, UK
- Nina SchweighoferJST Coordinator / Head of Section, European Central Bank, Germany
- Ohad KotlerCEO & Co-Founder, Tweezr
- Okan AcarEVP, Digital Banking and Payment Systems, Kuveyt Türk Katılım Bankasi, Turkey
- Romano RamantiVice Director, Zürcher Kantonalbank, Switzerland
- Ronelle ArbibChief Operating Officer, Recognise Bank, UK
- Sara Ehab AzmiHead of Change & Project Management, Emirates NBD, Egypt
- Shamsh HodaAI & Digital Innovation Strategist, Commerzbank, Germany
- Swagatam SenExecutive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
10 programme themes
Programme themes
The ten themes the agenda is organised against.
- 01The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value
- 02Agentic AI, Generative AI and Responsible AI Governance
- 03Digital Identity, Authentication and the Future of Customer Access
- 04Hyper-Personalised Banking and Next-Generation Customer Experience
- 05AI-Ready Architecture, Cloud and Composable Banking Platforms
- 06Open Finance, Digital Wallets and Embedded Banking
- 07Real-Time Payments, Liquidity and Transaction Banking
- 08Deepfakes, Synthetic Identity and AI-Driven Financial Crime
- 09Operational Resilience and Risk in Digital Transformation
- 10Sustainable Finance in the Digital Banking Ecosystem
Participation packages
Passes and pricing
The five published packages, with the inclusions and prices set by PulseCore Events.
ULTIMATE PASS
€2990
- Attend InPerson 3 days conference
- Documentation Pack
- 44 Recorded Sessions
- Participants List
- Networking Coffee Breaks & Lunchs
VIRTUAL PASS
€2490
- Live stream
- Virtual Conference Online Networking
- 44 Recorded sessions
- Videos Interactions
- Documentation Pack
SPEAKER PACK
€4990
- Speaking Slot (40 Min)
- Attend InPerson 3 days conference
- Documentation Pack
- Participants List
- Networking Coffee Breaks & Lunchs
EXHIBITOR PACK
€6990
- 40 Min Speaking slot
- Attend InPerson 3 days conference
- EXHIBITOR Space
- 44 Recorded Sessions
- Networking Coffee Breaks & Lunchs
GROUP DISCOUNT 3 TICKETS
€5980
- Attend InPerson 3 days conference (3 PAX)
- Documentation Pack
- 44 Recorded Sessions
- Participants List
- Networking Coffee Breaks & Lunchs
Prices and inclusions are published by PulseCore Events s.r.o. No payment is taken on this page — every package link opens the organiser's own checkout at https://www.pulsecore-digital.com/tickets.
From a previous edition
Delegate feedback
Comments from a previous edition of the summit.
Had a fantastic time at the Excellence in Digital Banking event held from May 13-16 in Amsterdam, where I had the opportunity to share and exchange ideas with incredible professionals from around the world. In my keynote, I emphasized the importance of maintaining the "human" element in our digital transformations to avoid commoditization. Ultimately, it's the human connection through the customer's transformative journey that provides the most competitive advantage and is hardest to replicate. The diverse perspectives and innovative practices shared were truly eye-opening. Highlights included discussions on the increasing importance of cybersecurity amidst rapid technological advancements and its impact on customers, innovative AI solutions in unsecured lending, excellence in digital onboarding, the significance of building impactful partnerships and the strategic decisions around what a bank should develop internally versus through partnerships. A heartfelt thanks to PulseCore Events for bringing together such a diverse and knowledgeable set of speakers and to all participants for sharing their own journeys. Looking forward to applying these insights in my work!
I had a great time in Amsterdam last week attending the Excellence in Digital Banking event hosted by Pulsecore. Over 350 delegates from Financial Institutions participated at the event. Here are my three key takeaways: 1. Digitalization of financial services is now the norm, how you deploy differs, based on demography, culture, and other factors. 2. Customers will use digital channels as long as they are convenient and reliable. 3. Security and trust are required in building successful digital products. It was inspiring to see what other organizations like Stirling Bank, Salt Bank, and Alpian are doing in their Markets. This was an event worth attending! hashtag#digitalbanking hashtag#finance hashtag#excellence hashtag#Pulsecore hashtag#PulseCore Events
Summit photography
Previous editions
Photography from earlier editions of the summit.
Amsterdam, Netherlands
Attendance formats
The programme runs identically for in-person delegates in Amsterdam and for online participants.
In person in Amsterdam
The summit takes place in Amsterdam, Netherlands on 25–27 November 2026. In-person packages include the three-day conference, the documentation pack, networking coffee breaks and lunches, and the participants list.
The confirmed venue address, travel guidance and accommodation information are published and kept current by PulseCore Events s.r.o. on the official summit website. This page does not restate them, so that there is only one authoritative source.
Online participation
The virtual package carries the live stream, the online networking environment, video interactions, the recorded sessions and the documentation pack — the same three-day programme, joined remotely.
In-person & online passes available Both routes are booked through the same official registration page.
25–27 November 2026 · Amsterdam, Netherlands
Take the agenda with you
The official agenda PDF and the live schedule are both maintained by PulseCore Events on the summit website. Registration happens there too.
Excellence in Digital Banking 7.0 is organized by PulseCore Events s.r.o.
- SummitExcellence in Digital Banking 7.0
- Dates25–27 November 2026
- LocationAmsterdam, Netherlands
- FormatsIn-person and online
digitalstrategycongress.com
Agenda enquiries
For questions about a specific session, a speaker or the running order, use the address below.
Write to us
sabrina.necidova@digitalstrategycongress.com
Questions about the structure of the three days can be sent to the address above.
There is no registration form and no payment on this page. Everything official happens at https://www.pulsecore-digital.com/.