Banking Frontier 2026 · International Banking Summit

A banking forum in five chapters

23–27 November 2026 · Holiday Inn Amsterdam — Arena Towers, Amsterdam

Chapter 123 November 2026AI & Trusted Finance

AI-native banking, governance, model risk, data foundations, and the path from pilots to enterprise value.

Registration, welcome coffee & executive networking Badge collection, event app access, room orientation. Curated introductions between banks, fintechs and strategic partners.

08:30–09:00

15 contributors are published for this day. Read the whole chapter.

Chapter 224 November 2026Identity & Cyber Resilience

Digital identity, fraud prevention, authentication, cyber resilience, and real-time trust across banking journeys.

Chairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders.

08:45–09:00

16 contributors are published for this day. Read the whole chapter.

Chapter 325 November 2026Payments & Digital Assets

Instant payments, wallets, tokenization, Open Finance, digital assets, and the future of money movement.

Chairperson opening

08:45–09:00

20 contributors are published for this day. Read the whole chapter.

Chapter 426 November 2026Customer Growth & Platform Banking

Omnichannel journeys, AI-assisted service, smart branches, SME banking, and platform-based growth.

Chairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.

08:45–09:00

23 contributors are published for this day. Read the whole chapter.

Chapter 527 November 2026Future-Proofing Banking 2027–2030

Post-quantum readiness, sovereign AI, and the technologies shaping banking to 2030.

Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making.

08:45–09:00

17 contributors are published for this day. Read the whole chapter.

23 November 2026 — AI & Trusted Finance
24 November 2026 — Identity & Cyber Resilience
25 November 2026 — Payments & Digital Assets
26 November 2026 — Customer Growth & Platform Banking
27 November 2026 — Future-Proofing Banking 2027–2030

The chapters in full

All 49 published entries across 5 days in two rooms — Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). Nothing below is hidden behind a control.

Day 1 · 23 November 2026

AI & Trusted Finance

AI-native banking, governance, model risk, data foundations, and the path from pilots to enterprise value.

Registration 08:30 · programme from 09:00 · Networking reception ends 15:45

Registration, welcome coffee & executive networking Badge collection, event app access, room orientation. Curated introductions between banks, fintechs and strategic partners.08:30–09:00
AI governance & model risk09:00–09:30Rita Gnutti · Head of Internal Validation and Controls · Intesa Sanpaolo · Italy
AI governance with a special emphasis on Agentic Systems09:00–09:30Oliver Maspfuhl · Head of Anti Financial Crime Modelling Germany & EMEA · Deutsche Bank · Germany
Data, AI enablement & intelligent automation for bank operations09:30–10:00Gladson Baby · VP & Director of Data & AI Enablement · Fifth Third Bank · US
Scaling AI responsibly: leadership playbook for AI risk & compliance10:00–10:30Frans Vanbruggen · Werkgebied Lead · AI Coalitie 4 Nederland (AIC4NL) · Netherlands
AI Governance: mitigating the risks of AI to unlock its true value10:00–10:30Dr. Paul Dongha · Head of Responsible AI & AI Strategy · NatWest Group · UK
AI-driven banking by 2030: from transformation ambition to measurable execution10:30–11:00Alina Timofeeva · Managing Partner — AI, Data & Digital Transformation · Saudi Arabia
From Process Scans to Scalable Execution: Building Human & Machine Operating Models10:30–11:00Zsofia Kovacs · Efficiency Advisor, Group Organisation & Operations · KBC Bank & Verzekering · Belgium
Networking break Refreshments, peer exchange, targeted 1:1 meetings. Preparation for AI operating-model sessions.11:00–11:30
Case study: AI & machine learning in operations and fraud detection12:00–12:30Hassan Omidi Firouzi · VP, Applied AI ML Lead · JPMorgan Chase & Co. · US
Human resilience in AI-driven banking12:30–13:00Dilek Süzal · Leadership Coach · BetterUp · Austria
Credit risk management, related modelling and stress testing in an era of trade wars: the AI solution12:30–13:00Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
Networking lunch Hosted lunch with speaker and delegate introductions. Informal discussions around AI adoption, operations and governance.13:00–14:00
Afternoon panel discussions Multi-bank panels on AI scaling, governance, and human resilience across both rooms.14:00–15:15
Networking reception Day 1 closes with informal networking and partner meetings.15:15–15:45

Day 2 · 24 November 2026

Identity & Cyber Resilience

Digital identity, fraud prevention, authentication, cyber resilience, and real-time trust across banking journeys.

Registration 08:45 · programme from 09:00 · Networking reception ends 15:30

Chairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders.08:45–09:00
Corporate digital identity management09:00–09:30Stephan Wolf · Chair of the Board · Verifiable.Trade Foundation · Germany
Digital trust in AI-led banking · risk, audit and cyber oversight at board level09:30–10:00Dr. Björn Lenzmann · Member of The Supervisory Board · DenizBank · Turkey
User centricity in cybersecurity · UX research and behavioural science09:30–10:00Nazima Kadir · Global Head of UX: Cybersecurity · J.P. Morgan · UK
Custody, governance and operational controls for digital assets10:00–10:30Lubin Reyes · Founder and CEO · Custodial Management Solutions Ltd · UK
Continuous identity assurance10:00–10:30Zafer Ergezen · Practice Lead/Director — KYC, CDD & Onboarding · GarantiBank International NV · Netherlands
Networking break Coffee and 1:1 meetings. Peer exchange on digital identity, cyber and fraud priorities.10:30–11:00
Cloud resilience and concentration risk in regulated banking11:00–11:30Eran Goldman Malka · Cloud Security Manager · European Depositary Bank SA · Luxembourg
Navigating AI, Operational Resilience and Regulatory Evolution (DORA)11:00–11:30Ricardo Galvao · ICT Risk, Processes & Quality · NOVO BANCO · Portugal
Fraud accountability: governance, liability and customer-protection controls11:30–12:00Ezra Dulberg · Associate Director · BDO UK · UK
From compliance cost to competitive advantage: trusted organisational identity12:00–12:30Alexandre Kech · Executive · GLEIF · Germany
From compliance cost to competitive advantage · in practice12:30–13:00Ines Gensinger · Head of Global Corporate Communications · GLEIF · Germany
Case study: DLT and its influence on payments and bank operating models12:30–13:00Ishtiaq Ahmed · Senior Manager, Strategic Revenue Development · HSBC · UK
Networking lunch Identity, fraud and cyber specialists. Discussion on bank readiness for wallets, passkeys and cyber resilience.13:00–14:00
Afternoon panel: DORA, AMLA & the future of digital trust Multi-bank panel on regulatory readiness, fraud accountability and DLT trust frameworks.14:00–15:00
Networking reception Day 2 closes.15:00–15:30

Day 3 · 25 November 2026

Payments & Digital Assets

Instant payments, wallets, tokenization, Open Finance, digital assets, and the future of money movement.

Registration 08:45 · programme from 09:00 · Networking reception ends 16:30

Chairperson opening08:45–09:00
Instant payments and interoperability09:00–09:30Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
The new payments landscape · instant, interoperable, invisible and built on trust09:00–09:30Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
Digital wallets and biometric payments · customer experience and secure authentication09:30–10:00Mihai Draghici · Founder & CEO · PayByFace · Romania
Moving Money — how banks think · the new role of the Chief Payment Officer10:00–10:30Viktoria Soltesz · Founder · PSP Angels · Cyprus
Open Finance and financial-institution growth · emerging markets, innovation and scale10:30–11:00Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia
Case study: Open Finance · practical lessons and implementation insights10:30–11:00Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey
Networking break Peer exchange on instant payments, wallets and Open Finance.11:00–11:30
Open Finance strategy · data access and commercial ecosystem design11:30–12:00JP Fabri · Founding Partner · Seed · Malta
Corporate payment business: PSD3 · instant payments and fraud accountability12:00–12:30Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany
A2A payments and European scale · growth, adoption and cross-border reach12:00–12:30Arash Marandi · Business and Operations · Zaver · Sweden
Future of digital wallets · bank readiness and customer expectations12:15–12:45Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey
Digital wallets · product design, use cases and ecosystem integration12:15–12:45Yodaly Sierra · Founder & CEO · Eco2wallet · UK
Networking lunch Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization.13:00–14:00
Wallet risk, payment controls and customer trust at scale13:45–14:15Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus
Future payments landscape · European finance — market outlook and ecosystem implications13:45–14:15Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK
Tokenization infrastructure · architecture, rails and future payments landscape14:15–14:45Thomas Langbein · Chief Commercial Officer · Trever · Germany
Case study: Future payments landscape · regional insights and commercial adoption14:45–15:15Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia
Tokenized market infrastructure · regulated FMI and operating models14:45–15:15Kathrin Fortmann · Strategic Partnerships Manager · BX Digital · Switzerland
Networking reception Day 3 closes.15:30–16:30

Day 4 · 26 November 2026

Customer Growth & Platform Banking

Omnichannel journeys, AI-assisted service, smart branches, SME banking, and platform-based growth.

Registration 08:45 · programme from 09:00 · Networking reception (see live agenda)

Chairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.08:45–09:00
Human-AI banking experience09:00–09:30Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria
AI-augmented service and product-led banking at scale09:00–09:30Speaker TBC
Present and Future of Digital Transformation in Islamic Banking09:30–10:00Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE
Omnichannel banking leadership and customer growth in Czech and regional banking09:30–10:00Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic
Lithuanian credit union model: data analysis plus human touch in lending10:00–10:30Mantas Janavicius · Member of the Management Board · Investuotoju asociacija · Lithuania
No-touch banking and mesh-up finance for non-financial customer pools10:00–10:30Wolfgang Strobel · Managing Director · Investigence GmbH · Germany
Networking break Peer exchange on customer experience, branch transformation and AI service.10:30–11:00
Micro-SME growth, digital SME banking and financial inclusion11:00–11:30Mohammad Jakirul Islam · EVP, Head of Strategy, Innovation and New Business · BRAC Bank · Bangladesh
Micro-SME banking growth and digital onboarding for entrepreneurs11:00–11:30Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary
Impact investing, sustainable finance and customer value in the next banking cycle11:30–12:00Caroline Philippe · Senior Investment Manager — Stellar Impact · BNP Paribas · Belgium
The AI-Native Bank: Building Intelligent Financial Ecosystems for the Age of AI Agents11:30–12:00Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey
Case study: Open Banking 2.0 and SME digital transformation through Z-Transformation12:00–12:30Ender Aydin · Digital Solutions Manager · Ziraat Bankası · Turkey
How European banks are retooling for platform scale12:00–12:30Margus Simson · Chief Digital Officer · Komerční banka · Czechia
Networking lunch Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders.13:00–14:00
Stress-aware banking journeys13:45–14:15Justin Pesch · Senior Sales Manager · PAIR Finance · Netherlands
Credit risk management and stress testing in an era of trade wars · the AI solution13:45–14:15Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
Case study: AI in compliance, AI governance and Digital Fraud14:15–14:45Stefan Moser · Head Group Compliance & Operational Risk · VP Bank AG · Austria
Case study: Agile banking transformation14:15–14:45Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria
Case study: Platform-scale banking14:45–15:15Fabio Turel · Information Technology Strategy Manager · Generali · Switzerland
Customer growth meetings and platform demos14:45–15:15
Afternoon panel: Platform-scale banking, Open Finance & agile customer transformation Fabio Turel · Ender Aydin · Kazim Oguz · Davor Gašparac.15:15–16:00
Networking reception Day 4 closes.16:00–16:30

Day 5 · 27 November 2026

Future-Proofing Banking 2027–2030

Post-quantum readiness, sovereign AI, and the technologies shaping banking to 2030.

Registration 08:45 · programme from 09:00 · Farewell coffee ends 15:45

Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making.08:45–09:00
Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities09:00–09:30Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden
Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk09:00–09:30Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France
Systemic threats and stress testing · post-quantum readiness09:30–10:00Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany
Payment systems regulation, consumer protection and future payment rails09:30–10:00Jayne Godfrey · Payment Systems Regulator · UK
2027 regulatory radar: AML, supervisory readiness, governance and EU regulatory developments10:00–10:30Xenia Neofytou · Managing Director · CX Financia · Cyprus
Networking break Peer exchange on systemic risk, quantum readiness and regulation.10:30–11:00
Case study: AMLR/AMLA transition and changing supervisory expectations11:00–11:30Speaker TBC
Moving Money · payment education and market adoption in the next payments cycle11:30–12:00Manuela Zuluaga · Marketing & Digital Specialist · The Soltesz Institute · Italy
Evolution of regulatory framework in the digital asset industry: VASPs, crypto AML and cross-border risk12:00–12:30Jese Medina Gutierrez · CDD Onboarding Manager · Tether.to · Spain
Open finance, AI transformation and digital assets · tech radar12:00–12:30Tanja Imamovic · Digital Transformation & Technology Strategist · Raiffeisen Bank International · Austria
Networking lunch Regulatory, risk and technology leaders. Discussion on digital euro, AMLA and cyber resilience.12:30–13:30
Future payments and cards: real-time access, transaction handling and service design13:30–14:00Michał Niwiński · Co-founder and CTO · SoftwarePlant · Poland
Payment innovation through an investment and market-readiness lens13:30–14:00Stefano Sciacca · Managing Director · Aluna Partners · UK
Afternoon panel: AMLA transition, AI compliance, wallets, risk, payments and tokenization Stefan Moser (VP Bank AG) · Vaida Saltenyte (CXM).14:00–14:45
Closing plenary: Future-proofing European banking Strategic synthesis of the week's key themes and priorities for European banking 2027–2030.14:45–15:15
Farewell coffee Final delegate conversations and speaker follow-up meetings.15:15–15:45

Official agenda with session times

Speaker rows

Twelve expandable rows from the roster of 67. Each expands to the facts the organiser publishes — and stops there.

Hassan Omidi FirouziJPMorgan Chase & Co.

Role as published: VP, Applied AI ML Lead

Organisation: JPMorgan Chase & Co.

Country: United States

Programme track: AI & Risk

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Eran Goldman MalkaEuropean Depositary Bank SA

Role as published: Cloud Security Manager

Organisation: European Depositary Bank SA

Country: Luxembourg

Programme track: Banking

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Ulrich LoofDZ BANK AG

Role as published: Senior Expert, Transaction Management

Organisation: DZ BANK AG

Country: Germany

Programme track: Banking

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Mohammad Jakirul IslamBRAC Bank PLC

Role as published: EVP, Head of Strategy, Innovation and New Business, SME Banking Division

Organisation: BRAC Bank PLC

Country: Bangladesh

Programme track: Innovation

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Manuela ZuluagaThe Soltesz Institute

Role as published: Marketing & Digital Specialist

Organisation: The Soltesz Institute

Country: Italy

Programme track: CX & Culture

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Frans VanbruggenAI Coalitie 4 Nederland (AIC4NL)

Role as published: Werkgebied Lead — Waarden, normen en regelgeving

Organisation: AI Coalitie 4 Nederland (AIC4NL)

Country: Netherlands

Programme track: AI & Risk

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Dr. Björn LenzmannDenizBank

Role as published: Chief Risk Officer; Member of the Board of Directors

Organisation: DenizBank

Country: Turkey

Programme track: Compliance & Risk

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Viktoria SolteszPSP Angels

Role as published: Founder & CEO

Organisation: PSP Angels

Country: Cyprus

Programme track: Innovation

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Lubin ReyesCustodial Management Solutions Ltd

Role as published: Founder and CEO

Organisation: Custodial Management Solutions Ltd

Country: United Kingdom

Programme track: Digital Assets

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Naji FreihaKonsilium

Role as published: Managing Partner / Gérant

Organisation: Konsilium

Country: France

Programme track: Strategy

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Corina MetternichDeutsche Bank

Role as published: Head of Business Product Payment Methods Europe

Organisation: Deutsche Bank

Country: Germany

Programme track: Payments

The organiser publishes no long biography for the roster; none has been written here to fill the space.

Tanja ImamovicRaiffeisen Bank International AG

Role as published: Digital Transformation & Technology Strategist

Organisation: Raiffeisen Bank International AG

Country: Austria

Programme track: Digital Banking

The organiser publishes no long biography for the roster; none has been written here to fill the space.

The complete official roster

Attendance

Five-day in person

€2,999

23–27 November 2026 at Holiday Inn Amsterdam — Arena Towers, Hoogoorddreef 66a, 1101 BE Amsterdam, Netherlands. Registration desk: Ground floor lobby, signposted on arrival. Step-free access; accessible WCs on every floor

Five-day online

€2,390

The same 5 days remotely, on Central European Time (CET), with live stream and recordings as described by the organiser.

Observed on the live /register page 2026-09-07. Always link to the official register page; never take payment. Registration is never taken on this page.

Sponsor and exhibitor information

Speaking, sponsorship and exhibition packages are defined and priced by the organiser. This page links to them instead of restating terms that only the organiser can keep current.

Official sponsor and exhibitor page Contact the organiser

Organisations represented in the programme

62 organisations across 31 countries employ someone on the published roster. Employers only — not sponsors, partners or endorsers.

AIC4NL
Ameriabank
BetterUp
Bitpanda
BNP Paribas
BRAC Bank
CIB Bank
Citi
Credit Agricole CIB
DenizBank
Deutsche Bank
DZ BANK
Erste Digital
European Central Bank
Fifth Third Bank
Garanti BBVA
Generali
Intesa Sanpaolo

Venue and questions

Venue: Holiday Inn Amsterdam — Arena Towers
Address: Hoogoorddreef 66a, 1101 BE Amsterdam, Netherlands
Station: Bijlmer ArenA · 4-min walk
From Schiphol: Train Schiphol → Bijlmer ArenA, approx. 15 min
Parking: P1 ArenA · paid, on-site
Accessibility: Step-free access; accessible WCs on every floor
Time zone: Central European Time (CET)

Illustrated map of central Amsterdam showing Centraal Station, Dam Square, Rijksmuseum and Vondelpark — Illustrated orientation map of central Amsterdam published by the organiser. It shows the city centre, not the summit venue, which is in Bijlmer ArenA to the south-east. Official travel page.

Daily hours

Monday 23 November — registration 08:30, start 09:00, Networking reception ends 15:45
Tuesday 24 November — registration 08:45, start 09:00, Networking reception ends 15:30
Wednesday 25 November — registration 08:45, start 09:00, Networking reception ends 16:30
Thursday 26 November — registration 08:45, start 09:00, Networking reception (see live agenda)
Friday 27 November — registration 08:45, start 09:00, Farewell coffee ends 15:45

Do the chapter panels hide anything?

No. Each panel repeats material that appears in full below it, and the panels are ordinary disclosure controls with normal keyboard behaviour.

Why no session times?

The organiser publishes contributors per day, not a running order. See the official agenda.

Organiser

Legal identity

Zenith-Energie International s.r.o.

Rezlerova 273/74, Petrovice, 109 00 Praha, Czechia

Company ID 02354357 · VAT CZ02354357

Contact

info@group-zenith.com

+420 778 647 921

Mon–Fri 09:00–17:00 CET

Official pages

This page is an information page about Banking Frontier 2026. Registration, payment and all official enquiries are handled by the organiser on the official event site.