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Resilience in
banking.
Embedded is
the answer!

Embedded is
the answer.

WHERE

Marmorosch Hotel
Bucharest, Romania

WHEN

November
22-23, 2022

Resilience in banking.

Embedded is the answer!

WHERE

Marmorosch Hotel
Bucharest, Romania

WHEN

November
22-23, 2022

A two-day conversation about resilience, flexibility, and survival in the banking sector worldwide

The pandemic supercharged digital banking – and this shift created an array of new challenges and imposed banks to develop new business models, which allowed flows to be optimized and operational performance to be improved.

Forced by lock-down, banks have invested heavily in digitization. But despite the amounts invested, banks still have – more or less – about the same products, the same platforms and offer the same user experience.

TAKE A LOOK AT THIS EDITION’S TOPICS

Event agenda

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  • Day 1

    NOV 22

  • Day 2

    NOV 23

  • There is no "good enough" in the banking sector, so let's talk about the must haves of the industry.
    Innovative Finance Stage

  • Today, global trends including globalization of the payment market as well as changing customer demands, new entrants, innovative technologies, regulatory pressure, higher costs, and lower profit margins are driving significant changes to the financial services market. The complexity of today’s world in a post-pandemic society with tense geopolitical dimensions has caused tightened regulations and increased compliance costs for financial institutions. The pressure to remain innovative is at an all-time high within this environment where real-time payments became the norm and global real-time payments are representing the new normal. In the wake of rapidly evolving customer expectations, new digital standards for financial services are now increasingly met by a wave of agile fintech companies that leverage technological advances to enhance customer experiences.
    Embedded Banking Stage

  • Banks need viable business models to get on the market of open banking and to lose the fear of losing market share, whereas clients say they would use the business models if they were promoted by banks. The solution? Fintechs fill the gaps of lost opportunities and benefit both banks and the clients.
    Innovative Finance Stage

  • We live in the era when flexibility is key to stay relevant and everything can be migrated to the cloud, but it's a thing to be handled with care in order to avoid any kind of risks. How do we do that?
    Embedded Banking Stage

  • This does not mean that every bank will become a platform, but rather that every bank will need to decide how they will engage in a platform economy and align their strategy and business models to support whatever decision they make. Bank as a Producer - "The bank is white-labeling and selling its products via someone else's platform" Bank as a Distributor - "Bank aggregates and provides solutions and services from third parties to bank customers" Bank as a Marketplace - "Bank facilitates a rich relationship to deliver customer Journey-like solutions" Bank as an Ecosystem Participant - "Bank is an active participant in a symbiotic multi-sided ecosystem".
    Embedded Banking Stage

  • We really need to rethink the wording – many consumers feel that with the digital identity they are giving away control when the aim is the opposite. Are wallets the right term to describe what we are talking about? Will the interface be a wallet as we understand it today?
    Innovative Finance Stage

  • Six years after the adoption of eIDAS, 41% of citizens are left without the possibility to use any trusted and secure eID across borders. The aim for eIDAS 2.0 is that 80% of EU citizens being able to use a digital ID by 2030. Is that possible? How?
    Innovative Finance Stage

  • The right usage of massive data through data mining and proper CRM systems can offer the needed amount of granularity in personalisation of products to gain and maintain products.
    Embedded Banking Stage

  • The Future of Banking in the online context - the perspective of a cybersecurity researcher
    Innovative Finance Stage

  • Many neobanks have received funding to accommodate payments and they did that succesfully, but just when they reach the point of getting licenced to become banks and start building deposits and give credits, investors look for profit. How can we meet the expectations and challenges of both and how much flexibility is still available for neobanks turning into traditional banks? Will investors keep funding neobanks? Until when? How can we look at the future of banks from the lens of the investors? What's next?
    Innovative Finance Stage

  • The last resort of any digital transformation is the upgrade of the administration. We can't actually reach the moon unless we have a tool to do it. So how does the public sector handle this? For this we need to address the governmental cloud, a fundamental link in the digitalisation chain.
    Embedded Banking Stage

  • Any business strategy starts with people. How do we find the right team and how do we make sure we have a talent pool in-house in digital transformation?
    Innovative Finance Stage

  • Why financing through crowdfunding is a good option, improved investment readiness and many others.
    Innovative Finance Stage

  • Why do you need to know who your clients are? How is digital onboarding done (identity validation, know your customer techniques)? The battle to Onboard: 68% abandonment rate (showing metrics, and reasons for abandonment) according to a recent Signicat study. Mitigations – How to improve? Onboarding in the future. "Risky business - Verifying identities in a digital world" / "Why do 68% of consumers abandon financial services onboarding?" Why do you need to know who people are. How is digital onboarding done (inlcuding identity validation and KYC). The battle to Onboard: 68% abondonment rate (showing metrics, and reasons for abandonment). Mitigations – How to improve. Onboarding in the future.
    Innovative Finance Stage

  • What's working and what's starting to shift on the market from the players' perspective as a result of PSD 2 and PSD 3 standards? What is the current status and where are we going from here?
    Embedded Banking Stage

  • The best way to describe payments: INSTANT. Light speed for any transaction is the key to keeping yourself on the market.
    Innovative Finance Stage

  • Just as cards became digital wallets, POS will soon become obsolete and need to switch to mobile solutions of SoftPOS. This will enlarge the capacity of acquiring activity and ensure market penetration, while the logistical costs and support of physical POS will disappear. Will this enhanced acceptance infrastructure lead to online payments toward rural areas? Are we speaking of a double, or triple number of national transactions?
    Innovative Finance Stage

  • The landscape of financial credits between PR, CSR corporate standards and real-life situations where heavy polluting industries need financing for us to live our modern lives? Where do we draw the line and how can we become more sustainable while keeping disruption at bay? What's the silver lining? Can we find a compromise between "polluting finance" and sustainable corporate solutions like reducing the carbon footprint, solar panels for high-consumption plants, buying green certificates or ICMA Green Bonds, and planting trees? Can we actually make things that matter and impact positively the environment? What does EU have to say in terms of targets for reducing the carbon footprint?
    Embedded Banking Stage

  • New Standards for a better experience and bigger revenues in Open Banking. From QR codes to account-to-account technologies.
    Embedded Banking Stage

  • How digital identity tools can combine with fraud solutions to maintain know-your-customer compliance and combat fraud. The easier it gets for the end user, the more complicated it becomes from a cybersecurity perspective. How to look at fraud in order to make sure we won't see it in action?
    Innovative Finance Stage

  • The Future of Banking in the online context - the end user perspective
    Innovative Finance Stage

  • The Impact of (terminal) Infrastructure in optimizing card business, acquiring activity. A workshop powered by Transaction Systems and TXD IT Solutions
    Innovative Finance Stage

  • Digitalization of work with promissory notes. How to eliminate paper from trade transactions
    Embedded Banking Stage

  • There are two main elements that characterize an agile organization from a financial standpoint: (1) Having all financial assets in one place, centralized and kept in order. (2) Instant payments, with everything happening instantly. How do the biggest merchants of Romania see these products, use them and go beyond based on their needs? How can banks go the extra mile for the biggest players on the market?
    Innovative Finance Stage

  • Merchants' perspectives on alternative payment methods. Crypto payments moved the burden of comission on the payer. And this in itself is a new payment method offered by some players. Who is ready to offer it to end users? And why? Pros and cons.
    Embedded Banking Stage

  • Sending money needs to be similar to sending an email: fast and free of charge. Can we get there? How? Can blockchain help? Central Bank Digital Currency and even more, Retail Bank Digital Currency? How can we get there in a democratic way, without compromising confidentiality? How much could the transfers increase if costs would disappear?
    Innovative Finance Stage

  • Challenges, opportunities, business lines, products available in Romania and within the region. Why neobanks are not that profitable? Will getting a bank license ease the way to success?
    Embedded Banking Stage

  • Who is really smart and cool. The evaluation will be done by young people, the future customers.
    Innovative Finance Stage

  • New Standards for a better experience and bigger revenues in Open Banking. From QR codes to account-to-account technologies. The Future of Banking in the online context when everything is one click away. Contactless technology shifted to mobile, so how did the business models need to develop to enhance revenues? Online commerce, digital identity, digital lending. What other new business propositions can a bank get? How far until we move other belongings into a completely mobile ecosystem (life insurance, house keys)?
    Innovative Finance Stage


Speakers & Panelists

















Venue

The Marmorosch Hotel

Inspired by the optimism and promise of the Belle Époque, The Marmorosch Hotel has reinvented the classic art of fine living with an exciting touch of modernity. Housed in the former building of Romania’s most influential bank during the late 19th century, The Marmorosch Hotel is the perfect venue for reliving history.

Tickets

Track Pass

One conference track
250 Limited seats
  • Access to one conference track
  • Networking & expo areas
  • Online platform & networking app
  • --
  • Lunch & coffee breaks
  • --
  • --
  • --

Conference Pass

Full conference
400 Limited Seats
  • Access to full conference
  • Networking & expo areas
  • Online platform & networking app
  • Session recordings post event
  • Lunch & coffee breaks
  • Specialty business book
  • --
  • --
Popular

VIP Pass

Full conference
700 Limited seats
  • Access to full conference
  • Networking & expo areas
  • Online platform & networking app
  • Session recordings post event
  • Lunch & coffee breaks
  • Specialty business book
  • VIP networking drinks
  • Banking 4.0 engraved golden coin

THE EVENT HAS FINISHED.

THANK YOU AND SEE YOU NEXT YEAR!

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