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An information page about the summit organised by Zenith-Energie International s.r.o.

Banking Frontier 2026 · International Banking Summit

Five rooms of published banking programme, hung wall by wall

23–27 November 2026 at Holiday Inn Amsterdam — Arena Towers, Amsterdam, Netherlands. The organiser publishes five themed days, 49 entries in two rooms and a roster of 67 people from 31 countries. This page hangs that published material and nothing else — every action leads to the organiser's own site.

Register on the official site Official agenda

Dates
23–27 November 2026
Venue
Holiday Inn Amsterdam — Arena Towers
Address
Hoogoorddreef 66a, 1101 BE Amsterdam, Netherlands
Rooms named by the organiser
Main Stage (Room A · strategy) · Innovation & Implementation (Room B · delivery)
Clock
Central European Time (CET)
Convened by
Zenith-Energie International s.r.o.

The catalogue: five rooms, one per day

Each room takes the organiser's own theme and its own description. The wall plate to the left of each room carries the published hours and the number of entries.

Room I

Day 1 · Monday 23 November 2026

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

15 published entries

AI & Trusted Finance

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

  • 09:00–09:30AI governance & model riskMain Stage
  • 09:00–09:30AI governance with a special emphasis on Agentic SystemsInnovation & Implementation
  • 09:30–10:00Data, AI enablement & intelligent automation for bank operationsInnovation & Implementation
  • 10:00–10:30Scaling AI responsibly: leadership playbook for AI risk & complianceMain Stage

Hung across the two rooms the organiser names: Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). The complete sheet for this day is below.

Room II

Day 2 · Tuesday 24 November 2026

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

16 published entries

Identity & Cyber Resilience

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

  • 09:00–09:30Corporate digital identity managementMain Stage
  • 09:30–10:00Digital trust in AI-led banking · risk, audit and cyber oversight at board levelMain Stage
  • 09:30–10:00User centricity in cybersecurity · UX research and behavioural scienceInnovation & Implementation
  • 10:00–10:30Custody, governance and operational controls for digital assetsMain Stage

Hung across the two rooms the organiser names: Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). The complete sheet for this day is below.

Room III

Day 3 · Wednesday 25 November 2026

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

20 published entries

Payments & Digital Assets

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

  • 09:00–09:30Instant payments and interoperabilityMain Stage
  • 09:00–09:30The new payments landscape · instant, interoperable, invisible and built on trustInnovation & Implementation
  • 09:30–10:00Digital wallets and biometric payments · customer experience and secure authenticationInnovation & Implementation
  • 10:00–10:30Moving Money — how banks think · the new role of the Chief Payment OfficerInnovation & Implementation

Hung across the two rooms the organiser names: Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). The complete sheet for this day is below.

Room IV

Day 4 · Thursday 26 November 2026

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

23 published entries

Customer Growth & Platform Banking

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

  • 09:00–09:30Human-AI banking experienceMain Stage
  • 09:00–09:30AI-augmented service and product-led banking at scaleInnovation & Implementation
  • 09:30–10:00Present and Future of Digital Transformation in Islamic BankingMain Stage
  • 09:30–10:00Omnichannel banking leadership and customer growth in Czech and regional bankingInnovation & Implementation

Hung across the two rooms the organiser names: Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). The complete sheet for this day is below.

Room V

Day 5 · Friday 27 November 2026

Desk 08:45 · from 09:00 · Farewell coffee ends 15:45

17 published entries

Future-Proofing Banking 2027–2030

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

  • 09:00–09:30Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural VulnerabilitiesMain Stage
  • 09:00–09:30Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration riskInnovation & Implementation
  • 09:30–10:00Systemic threats and stress testing · post-quantum readinessMain Stage
  • 09:30–10:00Payment systems regulation, consumer protection and future payment railsInnovation & Implementation

Hung across the two rooms the organiser names: Main Stage (Room A · strategy) and Innovation & Implementation (Room B · delivery). The complete sheet for this day is below.

The hang: six photographs of earlier events

Six photographs supplied by the organiser, hung once each with a full catalogue label. They record previous events produced by Zenith Group. None of them shows this summit, which has not taken place, and none of them is offered as evidence of who will attend, sponsor or exhibit.

Working session at a previous Zenith Group event

Cat. 01

Delegates at tables during an earlier conference.

Photograph · 1400 × 900 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Conference room at a previous Zenith Group event

Cat. 02

A full seminar room at an earlier conference.

Photograph · 800 × 600 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Delegates at a previous Zenith Group conference

Cat. 03

Audience session at an earlier event produced by the organiser.

Photograph · 480 × 360 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Panel discussion at a previous Zenith Group event

Cat. 04

A panel session at an earlier conference produced by the organiser.

Photograph · 800 × 600 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Networking dinner set-up at a previous Zenith Group event

Cat. 05

Tables laid for an evening networking function at an earlier event.

Photograph · 480 × 360 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Registration desk at a previous Zenith Group event

Cat. 06

The organiser's own registration desk at an earlier conference.

Photograph · 800 × 600 · supplied by the organiser

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026.

Photographed at previous events organised by Zenith Group. Banking Frontier 2026 takes place 23-27 November 2026. Captions and dimensions are reproduced from the organiser's supplied files; nothing is re-cropped, retouched or de-branded.

Wall labels: twelve of the published roster

Each plate carries exactly what the organiser publishes for that person — name, role, organisation, country and programme track. Four people on the roster have no published portrait; those plates show initials rather than a substitute face.

The complete official roster of 67 people

Organisations represented in the programme

62 organisations employ someone on the published roster. They are listed as speaker employers — not as sponsors, partners or endorsers of this page or of the summit.

Programme sheet

All 49 published entries, room by room and day by day, with the organiser's own times and attributions. Where the organiser publishes no attribution the sheet says so rather than filling the gap.

Room I · Day 1 · Monday 23 November 2026 · AI & Trusted Finance
Time (Central European Time (CET))RoomEntryAttribution
08:30–09:00All roomsRegistration, welcome coffee & executive networking Badge collection, event app access, room orientation. Curated introductions between banks, fintechs and strategic partners.not published
09:00–09:30Main StageAI governance & model risk
  • Define what trusted AI-driven finance means for banks in 2027–2030.
  • Link customer value, transparency and control to scalable AI adoption.
  • Address model risk, explainability and governance guardrails.
Rita Gnutti · Head of Internal Validation and Controls · Intesa Sanpaolo · Italy
09:00–09:30Innovation & ImplementationAI governance with a special emphasis on Agentic Systems
  • Move from isolated AI pilots to enterprise-wide architecture and delivery.
  • Align data foundations, leadership sponsorship and operating model change.
  • Measure AI ROI across productivity, risk, cost and customer outcomes.
Oliver Maspfuhl · Head of Anti Financial Crime Modelling Germany & EMEA · Deutsche Bank · Germany
09:30–10:00Innovation & ImplementationData, AI enablement & intelligent automation for bank operations
  • Link data enablement, intelligent automation and system integration to operational performance.
  • Identify automation opportunities that reduce manual work without weakening control.
  • Use AI-enabled workflows to improve consistency, speed and traceability.
Gladson Baby · VP & Director of Data & AI Enablement · Fifth Third Bank · US
10:00–10:30Main StageScaling AI responsibly: leadership playbook for AI risk & compliance
  • AI is rapidly moving from pilot phase into broad deployment within banks.
  • Setting up guardrails and continuous monitoring become essential to stay in control.
  • The regulator should be taken along the AI journey — they need to be guided.
Frans Vanbruggen · Werkgebied Lead · AI Coalitie 4 Nederland (AIC4NL) · Netherlands
10:00–10:30Innovation & ImplementationAI Governance: mitigating the risks of AI to unlock its true value
  • Turn AI governance from policy documentation into daily operating practice.
  • Clarify ownership across model risk, compliance, technology and business lines.
  • Build evidence trails, control towers and continuous monitoring routines.
Dr. Paul Dongha · Head of Responsible AI & AI Strategy · NatWest Group · UK
10:30–11:00Main StageAI-driven banking by 2030: from transformation ambition to measurable execution
  • Translate AI, data and digital transformation strategy into bank-wide execution.
  • Identify the capabilities required for AI-driven banking by 2030.
  • Link leadership alignment, governance and value measurement.
Alina Timofeeva · Managing Partner — AI, Data & Digital Transformation · Saudi Arabia
10:30–11:00Innovation & ImplementationFrom Process Scans to Scalable Execution: Building Human & Machine Operating Models
  • Re-imagine key processes according to future needs.
  • Build operating models of human & machine working together in scalable, efficient setup.
  • Real case examples from the Groupwide Transformation Program at KBC Group.
Zsofia Kovacs · Efficiency Advisor, Group Organisation & Operations · KBC Bank & Verzekering · Belgium
11:00–11:30All roomsNetworking break Refreshments, peer exchange, targeted 1:1 meetings. Preparation for AI operating-model sessions.not published
12:00–12:30Main StageCase study: AI & machine learning in operations and fraud detection
  • Explain where AI and machine learning create value across operations and fraud detection.
  • Identify model, data and control requirements for safe deployment in regulated banking.
  • Move from alert-heavy monitoring toward actionable operational intelligence.
Hassan Omidi Firouzi · VP, Applied AI ML Lead · JPMorgan Chase & Co. · US
12:30–13:00Main StageHuman resilience in AI-driven banking
  • Explore why human resilience becomes critical as banks adopt AI-driven operating models.
  • Support leadership, adaptability and change readiness across transformation teams.
  • Reduce fatigue and resistance during technology-led change.
Dilek Süzal · Leadership Coach · BetterUp · Austria
12:30–13:00Innovation & ImplementationCredit risk management, related modelling and stress testing in an era of trade wars: the AI solution
  • Convert fragmented data into reusable business data products.
  • Link payments, credit, fraud, stress testing and customer insights.
  • Improve data ownership, quality and governance for AI use cases.
Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
13:00–14:00All roomsNetworking lunch Hosted lunch with speaker and delegate introductions. Informal discussions around AI adoption, operations and governance.not published
14:00–15:15All roomsAfternoon panel discussions Multi-bank panels on AI scaling, governance, and human resilience across both rooms.not published
15:15–15:45All roomsNetworking reception Day 1 closes with informal networking and partner meetings.not published
Room II · Day 2 · Tuesday 24 November 2026 · Identity & Cyber Resilience
Time (Central European Time (CET))RoomEntryAttribution
08:45–09:00All roomsChairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders.not published
09:00–09:30Main StageCorporate digital identity management
  • Position digital identity as core banking infrastructure, not a back-office utility.
  • Explore wallet-based identity, verified credentials and organisational identity.
  • Support cross-border onboarding and trusted customer access.
Stephan Wolf · Chair of the Board · Verifiable.Trade Foundation · Germany
09:30–10:00Main StageDigital trust in AI-led banking · risk, audit and cyber oversight at board level
  • Link AI-led banking with board-level risk, audit, compliance and cyber oversight.
  • Define how digital trust can be governed across customer journeys and internal operations.
  • Assess cyber and control questions when AI becomes embedded in banking.
Dr. Björn Lenzmann · Member of The Supervisory Board · DenizBank · Turkey
09:30–10:00Innovation & ImplementationUser centricity in cybersecurity · UX research and behavioural science
  • Examine deepfakes, synthetic identities and evolving scam typologies.
  • Use liveness, device trust and behavioural analytics for real-time defence.
  • Strengthen digital provenance and evidence for disputes.
Nazima Kadir · Global Head of UX: Cybersecurity · J.P. Morgan · UK
10:00–10:30Main StageCustody, governance and operational controls for digital assets
  • Define the custody and control requirements for regulated digital-asset operations.
  • Strengthen governance across wallets, keys, reconciliation and transaction oversight.
  • Manage operational, counterparty and compliance risks across digital-asset workflows.
Lubin Reyes · Founder and CEO · Custodial Management Solutions Ltd · UK
10:00–10:30Innovation & ImplementationContinuous identity assurance
  • Scale passkeys and phishing-resistant authentication across channels.
  • Design recovery journeys that do not weaken security.
  • Move beyond one-time KYC toward continuous assurance.
Zafer Ergezen · Practice Lead/Director — KYC, CDD & Onboarding · GarantiBank International NV · Netherlands
10:30–11:00All roomsNetworking break Coffee and 1:1 meetings. Peer exchange on digital identity, cyber and fraud priorities.not published
11:00–11:30Main StageCloud resilience and concentration risk in regulated banking
  • Assess cloud resilience as a board-level operational-risk priority.
  • Map concentration, supplier and recovery risks across critical banking services.
  • Improve monitoring, testing and continuity planning for cloud-based environments.
Eran Goldman Malka · Cloud Security Manager · European Depositary Bank SA · Luxembourg
11:00–11:30Innovation & ImplementationNavigating AI, Operational Resilience and Regulatory Evolution (DORA)
  • Address DORA-driven resilience challenges, third-party dependencies and concentration risk.
  • Improve AI governance and board-level cyber-risk oversight.
  • Combine real-time incident management with informed decision-making and root-cause remediation.
Ricardo Galvao · ICT Risk, Processes & Quality · NOVO BANCO · Portugal
11:30–12:00Innovation & ImplementationFraud accountability: governance, liability and customer-protection controls
  • Clarify fraud accountability across business, operations, compliance and technology.
  • Prepare for evolving liability expectations and customer-protection standards.
  • Strengthen monitoring, reporting and escalation for fraud-risk decisions.
Ezra Dulberg · Associate Director · BDO UK · UK
12:00–12:30Innovation & ImplementationFrom compliance cost to competitive advantage: trusted organisational identity
  • Move from periodic checks to persistent identity confidence.
  • Apply assurance across mobile, web, call centre and branch journeys.
  • Include organisational identity and counterparty trust in the model.
Alexandre Kech · Executive · GLEIF · Germany
12:30–13:00Main StageFrom compliance cost to competitive advantage · in practice
  • Show how organisational identity can become a business enabler.
  • Link LEIs, verifiable credentials and wallet ecosystems to bank onboarding.
  • Reduce friction in corporate KYC, payments and supply-chain finance journeys.
Ines Gensinger · Head of Global Corporate Communications · GLEIF · Germany
12:30–13:00Innovation & ImplementationCase study: DLT and its influence on payments and bank operating models
  • Assess how DLT can change settlement, reconciliation and payment operating models.
  • Identify how tokenised rails may improve transparency, efficiency and trust.
  • Discuss control, governance and adoption barriers for banks.
Ishtiaq Ahmed · Senior Manager, Strategic Revenue Development · HSBC · UK
13:00–14:00All roomsNetworking lunch Identity, fraud and cyber specialists. Discussion on bank readiness for wallets, passkeys and cyber resilience.not published
14:00–15:00All roomsAfternoon panel: DORA, AMLA & the future of digital trust Multi-bank panel on regulatory readiness, fraud accountability and DLT trust frameworks.not published
15:00–15:30All roomsNetworking reception Day 2 closes.not published
Room III · Day 3 · Wednesday 25 November 2026 · Payments & Digital Assets
Time (Central European Time (CET))RoomEntryAttribution
08:45–09:00All roomsChairperson openingnot published
09:00–09:30Main StageInstant payments and interoperability
  • Frame the payments, wallets and digital-assets agenda.
  • Link market infrastructure, regulation and customer expectations.
  • Set priorities for payment leaders and banking executives.
Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
09:00–09:30Innovation & ImplementationThe new payments landscape · instant, interoperable, invisible and built on trust
  • Assess instant payments, ISO 20022 richness and real-time expectations.
  • Embed risk management and fraud controls into payment innovation.
  • Build trust across interoperable and invisible payment journeys.
Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
09:30–10:00Innovation & ImplementationDigital wallets and biometric payments · customer experience and secure authentication
  • Evaluate wallet orchestration and acceptance strategies.
  • Explore biometric payments and stronger authentication models.
  • Link embedded payments with customer journey redesign.
Mihai Draghici · Founder & CEO · PayByFace · Romania
10:00–10:30Innovation & ImplementationMoving Money — how banks think · the new role of the Chief Payment Officer
  • Move beyond compliance APIs toward commercial Open Finance value.
  • Improve consent, data reuse and platform strategy.
  • Define the emerging role of the Chief Payment Officer.
Viktoria Soltesz · Founder · PSP Angels · Cyprus
10:30–11:00Main StageOpen Finance and financial-institution growth · emerging markets, innovation and scale
  • Explore how Open Finance can support growth for banks and financial institutions.
  • Link API strategy with customer value, partnerships and financial access.
  • Assess the data, consent and trust foundations needed for Open Finance adoption.
Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia
10:30–11:00Innovation & ImplementationCase study: Open Finance · practical lessons and implementation insights
  • Move beyond Open Banking APIs toward broader Open Finance value creation.
  • Explore consent, data sharing and customer-owned financial journeys.
  • Identify commercial use cases across retail, SME and platform banking.
Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey
11:00–11:30All roomsNetworking break Peer exchange on instant payments, wallets and Open Finance.not published
11:30–12:00Main StageOpen Finance strategy · data access and commercial ecosystem design
  • Position Open Finance as a growth strategy rather than a compliance project.
  • Identify how customer-permissioned data creates new products and partnerships.
  • Build trust, consent and value exchange into data-sharing journeys.
JP Fabri · Founding Partner · Seed · Malta
12:00–12:30Main StageCorporate payment business: PSD3 · instant payments and fraud accountability
  • Translate PSD3 and PSR developments into bank priorities.
  • Strengthen SCA, liability management and fraud accountability.
  • Address corporate payments and scheme-evolution requirements.
Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany
12:00–12:30Innovation & ImplementationA2A payments and European scale · growth, adoption and cross-border reach
  • Explain how Wero and A2A payments reshape European scale.
  • Assess implications for banks, fintechs and merchant journeys.
  • Evaluate commercial models for account-to-account adoption.
Arash Marandi · Business and Operations · Zaver · Sweden
12:15–12:45Main StageFuture of digital wallets · bank readiness and customer expectations
  • Assess how digital wallets are changing product strategy and customer engagement.
  • Identify governance, compliance and approval steps banks need before scaling.
  • Clarify the difference between solo presentations, panels and practical wallet use cases.
Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey
12:15–12:45Innovation & ImplementationDigital wallets · product design, use cases and ecosystem integration
  • Assess where digital wallets can support inclusion and everyday payment adoption.
  • Link wallet design with identity, fraud controls and customer trust.
  • Explore how banks can partner with wallet providers without losing the customer relationship.
Yodaly Sierra · Founder & CEO · Eco2wallet · UK
13:00–14:00All roomsNetworking lunch Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization.not published
13:45–14:15Main StageWallet risk, payment controls and customer trust at scale
  • Map wallet risk across onboarding, authentication and transaction flows.
  • Define controls for wallet-led payment journeys at scale.
  • Link payment strategy with customer trust and regulatory expectations.
Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus
13:45–14:15Innovation & ImplementationFuture payments landscape · European finance — market outlook and ecosystem implications
  • Frame the payment trends shaping European finance through 2030.
  • Identify what banks, fintechs and infrastructure players must prove before new rails scale.
  • Link payment innovation with investor confidence, operational readiness and regulation.
Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK
14:15–14:45Innovation & ImplementationTokenization infrastructure · architecture, rails and future payments landscape
  • Explain the infrastructure layer required for tokenized finance.
  • Link tokenization with settlement, custody and regulated market infrastructure.
  • Identify adoption barriers for banks and institutional clients.
Thomas Langbein · Chief Commercial Officer · Trever · Germany
14:45–15:15Main StageCase study: Future payments landscape · regional insights and commercial adoption
  • Explore how new payment rails and digital assets can reshape customer access.
  • Assess the role of regulated fintechs in faster, lower-friction payments.
  • Identify infrastructure, compliance and education requirements for broader adoption.
Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia
14:45–15:15Innovation & ImplementationTokenized market infrastructure · regulated FMI and operating models
  • Move from tokenization pilots to business-grade infrastructure.
  • Evaluate regulated market infrastructure and settlement use cases.
  • Identify wholesale and retail value creation opportunities.
Kathrin Fortmann · Strategic Partnerships Manager · BX Digital · Switzerland
15:30–16:30All roomsNetworking reception Day 3 closes.not published
Room IV · Day 4 · Thursday 26 November 2026 · Customer Growth & Platform Banking
Time (Central European Time (CET))RoomEntryAttribution
08:45–09:00All roomsChairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.not published
09:00–09:30Main StageHuman-AI banking experience
  • Show how AI changes service, sales, operations and advice journeys.
  • Define where humans remain essential for trust and empathy.
  • Explore AI agents, decision intelligence and workflow redesign.
Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria
09:00–09:30Innovation & ImplementationAI-augmented service and product-led banking at scale
  • Explore how AI-augmented service changes product, support and customer journeys.
  • Identify where automation can improve speed without weakening customer trust.
  • Link product leadership with operational readiness and customer experience.
Speaker TBC
09:30–10:00Main StagePresent and Future of Digital Transformation in Islamic Banking
  • Link digital transformation with customer experience and trust.
  • Assess modernization priorities for Islamic and relationship-led banking.
  • Explore service redesign across digital, branch and advisory journeys.
Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE
09:30–10:00Innovation & ImplementationOmnichannel banking leadership and customer growth in Czech and regional banking
  • Define the role of omnichannel leadership in customer acquisition and retention.
  • Link digital sales, branch support and advisory journeys into one service model.
  • Identify how customer expectations are moving in Czech and regional banking.
Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic
10:00–10:30Main StageLithuanian credit union model: data analysis plus human touch in lending
  • Reassess the role of physical presence in digital-first banking.
  • Use data, AI and human judgment to improve lending decisions.
  • Design hybrid service models that strengthen advice and resolution.
Mantas Janavicius · Member of the Management Board · Investuotoju asociacija · Lithuania
10:00–10:30Innovation & ImplementationNo-touch banking and mesh-up finance for non-financial customer pools
  • Shift from reactive support to proactive customer care.
  • Use AI agents, decision intelligence and next-best-action models.
  • Increase resolution speed while maintaining control and accountability.
Wolfgang Strobel · Managing Director · Investigence GmbH · Germany
10:30–11:00All roomsNetworking break Peer exchange on customer experience, branch transformation and AI service.not published
11:00–11:30Main StageMicro-SME growth, digital SME banking and financial inclusion
  • Treat Micro-SME banking as a growth and inclusion opportunity.
  • Use cash-flow data, embedded payments and digital lending to serve SMEs better.
  • Balance profitable service models with financial inclusion goals.
Mohammad Jakirul Islam · EVP, Head of Strategy, Innovation and New Business · BRAC Bank · Bangladesh
11:00–11:30Innovation & ImplementationMicro-SME banking growth and digital onboarding for entrepreneurs
  • Show how banks can scale small-business portfolios without losing service quality.
  • Improve digital onboarding and relationship management for entrepreneurs.
  • Use segmentation, data and simple journeys to unlock Micro-SME growth.
Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary
11:30–12:00Main StageImpact investing, sustainable finance and customer value in the next banking cycle
  • Link impact investing with customer value, trust and long-term relationship growth.
  • Translate sustainable finance objectives into practical products and advisory journeys.
  • Balance commercial performance with measurable social and environmental outcomes.
Caroline Philippe · Senior Investment Manager — Stellar Impact · BNP Paribas · Belgium
11:30–12:00Innovation & ImplementationThe AI-Native Bank: Building Intelligent Financial Ecosystems for the Age of AI Agents
  • Explain how banks are evolving toward platform-scale business models.
  • Show how mobile banking is becoming more intelligent, proactive and context-aware.
  • Link financial super-apps with customer outcomes and ecosystem partnerships.
Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey
12:00–12:30Main StageCase study: Open Banking 2.0 and SME digital transformation through Z-Transformation
  • Use Open Banking 2.0 to improve SME access, service and embedded finance.
  • Explain the Z-Transformation approach to digital SME banking.
  • Link data-driven insights with onboarding, lending and relationship management.
Ender Aydin · Digital Solutions Manager · Ziraat Bankası · Turkey
12:00–12:30Innovation & ImplementationHow European banks are retooling for platform scale
  • Link modular architecture, core modernization and ecosystem design.
  • Share lessons from digital-bank migration, automation, cloud and data management.
  • Create seamless experiences across branch and digital channels.
Margus Simson · Chief Digital Officer · Komerční banka · Czechia
13:00–14:00All roomsNetworking lunch Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders.not published
13:45–14:15Main StageStress-aware banking journeys
  • Apply behavioural insight to debt, savings and financial wellbeing.
  • Design stress-aware journeys and responsible nudges.
  • Improve personalisation without increasing customer vulnerability.
Justin Pesch · Senior Sales Manager · PAIR Finance · Netherlands
13:45–14:15Innovation & ImplementationCredit risk management and stress testing in an era of trade wars · the AI solution
  • Strengthen credit-risk management with AI-enabled modelling.
  • Improve stress testing in volatile trade and macroeconomic conditions.
  • Link risk analytics with modular operating platforms.
Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
14:15–14:45Main StageCase study: AI in compliance, AI governance and Digital Fraud
  • Explore how AI can support compliance and what are the limitations.
  • The role of AI in approaching fraud and payment challenges.
  • The role of the compliance officer of the future.
Stefan Moser · Head Group Compliance & Operational Risk · VP Bank AG · Austria
14:15–14:45Innovation & ImplementationCase study: Agile banking transformation
  • Explain how agile delivery changes bank transformation execution.
  • Align product, technology, compliance and operations around shared outcomes.
  • Reduce friction between innovation teams and legacy enterprise processes.
Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria
14:45–15:15Main StageCase study: Platform-scale banking
  • Define what platform-scale banking means for incumbents and financial groups.
  • Link ecosystem strategy with customer ownership and value creation.
  • Identify the operating model and partnership capabilities needed at scale.
Fabio Turel · Information Technology Strategy Manager · Generali · Switzerland
14:45–15:15Innovation & ImplementationCustomer growth meetings and platform demos
  • Reserved for 1:1 meetings on SME banking, Open Finance, AI service and platform-scale banking.
  • Supports follow-ups before the shared panel discussion.
not published
15:15–16:00All roomsAfternoon panel: Platform-scale banking, Open Finance & agile customer transformation Fabio Turel · Ender Aydin · Kazim Oguz · Davor Gašparac.not published
16:00–16:30All roomsNetworking reception Day 4 closes.not published
Room V · Day 5 · Friday 27 November 2026 · Future-Proofing Banking 2027–2030
Time (Central European Time (CET))RoomEntryAttribution
08:45–09:00All roomsChairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making.not published
09:00–09:30Main StageSystemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities
  • Assess geopolitical fragmentation and structural vulnerabilities in banking.
  • Link AI, funding costs, credit risk and stress testing.
  • Evaluate operational concentration and systemic resilience risks.
Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden
09:00–09:30Innovation & ImplementationPreparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk
  • Bring a supervisory-facing perspective on geopolitical disruption and cyber-attack overlays.
  • Link stress testing, risk appetite and operational concentration risk.
  • Translate systemic-threat scenarios into board-level resilience decisions.
Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France
09:30–10:00Main StageSystemic threats and stress testing · post-quantum readiness
  • Translate post-quantum awareness into migration planning.
  • Prioritise long-lived data, certificates, signing and critical infrastructure.
  • Build crypto-agility into security and procurement roadmaps.
Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany
09:30–10:00Innovation & ImplementationPayment systems regulation, consumer protection and future payment rails
  • Frame the regulatory priorities shaping payment systems and customer protection.
  • Assess how new payment rails affect competition, resilience and user outcomes.
  • Link payment innovation with fraud, liability and market conduct expectations.
Jayne Godfrey · Payment Systems Regulator · UK
10:00–10:30Main Stage2027 regulatory radar: AML, supervisory readiness, governance and EU regulatory developments
  • Prepare for AMLA ramp-up, AMLR and crypto compliance developments.
  • Link governance, supervisory readiness and operational execution.
  • Assess Cyber Resilience Act impacts on banking ecosystems.
Xenia Neofytou · Managing Director · CX Financia · Cyprus
10:30–11:00All roomsNetworking break Peer exchange on systemic risk, quantum readiness and regulation.not published
11:00–11:30Main StageCase study: AMLR/AMLA transition and changing supervisory expectations
  • Translate AMLR and AMLA changes into practical compliance priorities.
  • Prepare governance, reporting and controls for the supervisory transition.
  • Identify capability gaps across monitoring, investigations and accountability.
Speaker TBC
11:30–12:00Innovation & ImplementationMoving Money · payment education and market adoption in the next payments cycle
  • Use education and market communication to support payment innovation adoption.
  • Link the Moving Money agenda with payment leadership, digital strategy and stakeholder engagement.
  • Help banks translate complex payment change into clear client and internal narratives.
Manuela Zuluaga · Marketing & Digital Specialist · The Soltesz Institute · Italy
12:00–12:30Main StageEvolution of regulatory framework in the digital asset industry: VASPs, crypto AML and cross-border risk
  • Navigate digital-asset regulation, VASP obligations and crypto AML.
  • Address cross-border risk and secure collaboration requirements.
  • Use protected computation to support privacy and data-sharing needs.
Jese Medina Gutierrez · CDD Onboarding Manager · Tether.to · Spain
12:00–12:30Innovation & ImplementationOpen finance, AI transformation and digital assets · tech radar
  • Explore the technologies shaping banking through 2030.
  • Link Open Finance, AI transformation and digital assets.
  • Assess agentic AI, digital provenance and adaptive identity.
Tanja Imamovic · Digital Transformation & Technology Strategist · Raiffeisen Bank International · Austria
12:30–13:30All roomsNetworking lunch Regulatory, risk and technology leaders. Discussion on digital euro, AMLA and cyber resilience.not published
13:30–14:00Main StageFuture payments and cards: real-time access, transaction handling and service design
  • Explore how payment and card services are being redesigned around real-time access.
  • Link transaction handling, operational resilience and customer-service expectations.
  • Identify digital financial-service capabilities needed for scalable payment operations.
Michał Niwiński · Co-founder and CTO · SoftwarePlant · Poland
13:30–14:00Innovation & ImplementationPayment innovation through an investment and market-readiness lens
  • Assess payment innovation through an investment and market-readiness lens.
  • Identify what fintechs and infrastructure providers must prove before bank adoption.
  • Link capital, partnerships and execution capacity with regulated financial-services needs.
Stefano Sciacca · Managing Director · Aluna Partners · UK
14:00–14:45All roomsAfternoon panel: AMLA transition, AI compliance, wallets, risk, payments and tokenization Stefan Moser (VP Bank AG) · Vaida Saltenyte (CXM).not published
14:45–15:15All roomsClosing plenary: Future-proofing European banking Strategic synthesis of the week's key themes and priorities for European banking 2027–2030.not published
15:15–15:45All roomsFarewell coffee Final delegate conversations and speaker follow-up meetings.not published

The official agenda, kept current by the organiser

Admission

Two separate products at two separate prices, sold by the organiser alone. This page takes no payment, holds no place and issues no ticket.

Five days, in the room

€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

Register on the official site

Five days, online

€2,390

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

Register on the official site

Speaking, sponsorship, exhibition

Defined, priced and contracted by the organiser. No package, tier, benefit or audience promise is restated here.

Official sponsor and exhibitor page

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

Visiting

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
Registration desk
Ground floor lobby, signposted on arrival
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.

Opening hours as published

  • Monday 23 November — desk 08:30, first entry 09:00, Networking reception ends 15:45
  • Tuesday 24 November — desk 08:45, first entry 09:00, Networking reception ends 15:30
  • Wednesday 25 November — desk 08:45, first entry 09:00, Networking reception ends 16:30
  • Thursday 26 November — desk 08:45, first entry 09:00, Networking reception (see live agenda)
  • Friday 27 November — desk 08:45, first entry 09:00, Farewell coffee ends 15:45
Is this the official event website?

No. 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. The official site is expo.group-zenith.com.

Do the photographs show this summit?

No. They are photographs of earlier events produced by the organiser, and each is labelled as such. Banking Frontier 2026 takes place 23–27 November 2026 and has not happened.

Can I take part without travelling to Amsterdam?

Yes. A five-day online admission is listed at €2,390, separate from the €2,999 in-person admission, and both are booked on the official registration page.

Colophon

Organiser

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