- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Achieving micro innovation and human-centric transformation in operations
- Adapting lending strategies to a new landscape
- Advisory session
- After party
- AI and fraud: a double-edged sword
- AI Case study | DanskeGPT
- AI case study | Íslandsbanki
- AI case study | Lunar
- Bank-FinTech partnership success: the key considerations
- Banking in a new era: embracing open finance and AI
- Banking in a platform economy: exploring new business models
- Banking in a risk landscape: taking resilience to new heights
- Being the bank of choice: delivering real value to customers in a digital age
- Bringing instant payments to fruition in Europe
- Chair's opening remarks
- Championing sustainability in banking
- Charting the route to operational optimisation
- Cloud, composability and beyond: building the bank of tomorrow
- Commercial API development: monetisation strategy
- CX strategies for 2025 and beyond
- Dawn of the EU AI Act
- Defining strategies for 2025 and beyond
- Defining your channel strategy
- Defining your cloud migration strategy
- Defining your partnering strategy
- Determining your cloud strategy
- Digital IDs: what’s next for the Nordics, Europe and beyond?
- Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention
- Enhancing cross-border and instant payments
- Ensuring cyber resilience throughout the business
- Group feedback
- Innovative SME credit assessment: leveraging open banking and ERP data for better CX
- Instant payments at 'no extra cost': the implications for banks
- Introductions
- Leading the Baltics' digital banking charge
- Lunch
- MoneyLIVE Nordic Banking | Speaker Briefing
- Navigating cyber risk: optimising your approach
- Networking
- Next-Gen Credit Scoring with Open Banking 2.0
- Open finance: where are we on the journey?
- Operationalising AI: overcoming the hurdles
- Optimising the digital onboarding experience
- Platformification and APIs: reshaping the corporate banking ecosystem
- Preparing for the digital euro
- Realising the commercial opportunity of digital currencies
- Real-time fraud prevention: keeping pace with instant payments
- Refreshments
- Registration & breakfast
- Regulation of digital currencies by MiCA and beyond: the new frontier for governance
- Shaping the digital future: strategies for secure and resilient operations
- Tackling financial crime in the digital ecosystem
- Taking credit decisioning to the next stage
- Taking resilience to new heights
- The future of authentication and verification
- The future of digital wallets
- The global A2A landscape
- The journey towards the EU ID wallet
- The key role of banks in the green transition
- The next chapter of embedded finance
- The next evolution of fraud prevention strategies
- The Nordic economic outlook: the implications for lending strategies
- The road to Net Zero
- Transforming fraud prevention by use of AI technology
- Turning up the heat on fraud prevention
- Watch your tone: why the right tone of voice is paramount in digital customer relations
- Winning in an ecosystem world: building a global savings marketplace
| 4:30 PM - 4:45 PM | Achieving micro innovation and human-centric transformation in operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Adapting lending strategies to a new landscape -How should lenders respond to lower interest rates?
-Margin vs volume: is a loosening of lending criteria now called for?
-BNPL: how is the market set to change with tighter affordability?
-Serving the underserved: how can better credit risk data enable banks to access new markets?
-Better serving first-time buyers: what are the viable options for mortgage innovation? Who’s leading the way?
-Supporting SMEs: what more can banks do? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:30 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4:45 PM - 5:05 PM | Advisory session Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:55 PM - 7:00 PM | After party Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:30 PM - 2:55 PM | AI and fraud: a double-edged sword -AI-driven fraud: what are the latest developments and emerging threats? -Fighting AI with AI: moving from rule-based to AI-based fraud detection -Generative AI: what extra capabilities can be leveraged to better fight fraud? -Towards real-time detection: where do the solutions lie? -AI compliance: navigating the minefield Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:40 AM - 11:55 AM | AI Case study | DanskeGPT Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:10 PM - 12:25 PM | AI case study | Íslandsbanki Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:55 AM - 12:10 PM | AI case study | Lunar Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:45 PM | Bank-FinTech partnership success: the key considerations Scene setting address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Banking in a new era: embracing open finance and AI Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Banking in a platform economy: exploring new business models -Capitalising on the platform economy: what new business models are emerging? -Finding your BaaS niche: identifying gaps in the market and developing your proposition -From subscription services to white labelling: what factors should influence choice of revenue model? -Risk-as-a-Service, Treasury-as-a-Service and beyond: what BaaS routes are yet to be capitalised on? -Developing the propositions of tomorrow: what new value could be created with cross-sector data? -Developing and launching new business models: what are the key considerations for successful execution? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:45 AM - 10:05 AM | Banking in a risk landscape: taking resilience to new heights Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:40 AM | Being the bank of choice: delivering real value to customers in a digital age Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:45 AM | Bringing instant payments to fruition in Europe Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:00 AM - 9:05 AM | Chair's opening remarks Opening remarks | Chair's opening remarks Opening remarks | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:25 PM | Championing sustainability in banking Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:05 PM - 5:35 PM | Charting the route to operational optimisation -From data integration to AI: how can financial institutions identify valuable use cases and maximise ROI?
-How can analytics best be leveraged to improve operational efficiency?
-The role of low-code, no-code: what are the benefits and what are the dangers?
-Flexibility versus control: where does the right balance lie? How can ‘shadow IT’ be avoided?
-Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:05 PM - 2:20 PM | Cloud, composability and beyond: building the bank of tomorrow Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:30 PM - 1:00 PM | Commercial API development: monetisation strategy -The premium API imperative: understanding the business priorities and routes to market
-From agile API development to API platformification: how can banks position themselves as optimal partners?
-API performance transparency: how can this drive competition?
-Accelerating API monetisation: how can banks accelerate revenue generated from commercial APIs?
-Driving API innovation in a highly regulated environment: how can banks successfully balance compliance, TPP risk and innovation to gain competitive advantage? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:25 AM - 11:00 AM | CX strategies for 2025 and beyond -Acquisition or retention: which should be the focus for 2025 and why?
-Cultivating a relationship that lasts: how can banks play a deeper role in customers’ lives?
-Gen Alpha: strategies for engaging the next generation of banking customers
-How can friction in onboarding be minimised across all channels? Who’s leading the way?
-The evolution of the chatbot: to what extent will generative AI be transformational?
-PFM and robo-advice: delivering value-add services that complement core offerings
-Catering to the segment of one: how are customer expectations surrounding personalisation changing?
-Raising the bar in CX: what single initiative could make the biggest difference? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:40 AM | Dawn of the EU AI Act Opening remarks | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:45 AM | Defining strategies for 2025 and beyond -Banking in a period of uncertainty: how can banks remain resilient in the face of constant change?
-Taking customer centricity to the next stage: where do the main opportunities lie?
-Protecting margins in a period of disinflation: understanding the priorities for the year ahead
-API commercialisation: what are the keys to success?
-From internal efficiencies to new revenue streams: leveraging AI to reshape banking
-M&A activity and partnerships: what can we expect in 2025 and where do opportunities lie? Leaders' forum | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:40 AM - 10:05 AM | Defining your channel strategy -From omni-channel to opti-channel to channel-less: what viable, when and how to get there?
-Let’s get phygital: how can a seamless transition be ensured between physical and digital channels?
-From Apple Vision Pro to TikTok: what are the future channels for which banks should adopt?
-A shift to channel-less: achieving fluid, seamless and personalised journeys across multiple channels?
-Ensuring seamless and orchestrated customer journeys: how can this be achieved in real-time and at scale? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:15 PM | Defining your cloud migration strategy -Refactor vs replatform vs rebuild: how to determine which approach to take?
-Migration scheduling and structuring: what are the practicalities and what are the pitfalls to avoid?
-When does cloud adoption make sense and how can banks ensure a smooth transition?
-How can banks develop effective cloud exit strategies?
-Achieving harmonious transformation across the business: how can cloud align business ambition with IT capability? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:45 PM - 3:20 PM | Defining your partnering strategy Delegates will break into groups to discuss:
- Where and when partnering is the right option
- Key considerations for banks and FinTechs when selecting partners
- How far should you go? And is cultural alignment necessarily a good thing? Peer-to-peer discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:20 PM - 2:45 PM | Determining your cloud strategy -Unlocking the full potential of cloud: where are banks on their transformation journeys?
-Hybrid vs private vs public: which approach is most appropriate for what?
-Scale-up/scale-down strategies: where can the flexibility of cloud be leveraged to add the most value?
-How can cloud and microservices be combined for enhanced performance and scalability? What are the potential challenges that might arise?
-The quest for cloud cost optimisation: how can banks ensure effective cloud resource usage, accurate budget planning and ongoing cost monitoring?
-Bringing DORA into cloud strategy: to what extent is a multi-cloud approach the key to enhancing resilience in the cloud? What more needs to be done?
-A spotlight on exit strategies: how can banks switch providers without causing major disruption? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:35 PM - 1:00 PM | Digital IDs: what’s next for the Nordics, Europe and beyond? -Lessons from BankID: what’s next for national digital IDs in the Nordics?
-Towards the EUDIW: where are we on the journey? And in what timeframe can we expect pan-European rollout?
-EUDIW interoperability: how must the Nordics prepare?
-From lack of useability to identity theft: to what concerns does EUDIW give rise?
-Cutting through cross-border red tape: what further opportunities and applications could the EUDIW unlock?
-From Nordics to pan-European to global: what is the long-term goal for national digital IDs?
-Taking security privacy, inclusivity and useability to new heights: what’s next for digital IDs? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Empowering payments at the speed of life: Mastercard on real-time payments, interoperability, partnerships, and fraud prevention Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:55 PM | Enhancing cross-border and instant payments -Lessons from P27: what’s next for instant cross-border payments in the Nordics?
-Cross-border instant payments: to what extent is this a priority?
-From P2P to corporate payments: where would instant payments realise the greatest benefits?
-Towards cross-border 24/7, 365 payments: preparing for the SEPA instant payments rollout
-How can SEPA Inst be leveraged to develop new innovative solutions?
-Beyond SEPA: where are we on the journey towards Nordic instant payments rollout and how should banks prepare? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:00 PM | Ensuring cyber resilience throughout the business Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:20 PM - 3:40 PM | Group feedback Group feedback | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:05 AM - 10:25 AM | Innovative SME credit assessment: leveraging open banking and ERP data for better CX Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:55 PM - 1:10 PM | Instant payments at 'no extra cost': the implications for banks -The halting of premium charges for instant payments: to what extent will this impact banks revenue models?
-From value-added services to subscription models: what innovative strategies will banks deploy to mitigate losses?
-From APIs to AI: how can new technologies enable new revenue streams in payments? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:25 PM | Introductions Thinktank | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:25 AM - 9:45 AM | Leading the Baltics' digital banking charge Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:50 PM - 2:05 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1:00 PM - 2:15 PM | Lunch Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:30 PM | MoneyLIVE Nordic Banking | Speaker Briefing Please find the Zoom details below: Join Zoom Meeting https://us02web.zoom.us/j/81501649102?pwd=ZGs5TmZjdG9UNUVpTmhCUDJkaVh2QT09 Zoom meeting | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:40 PM - 1:05 PM | Navigating cyber risk: optimising your approach -From data breaches to DoS: what cyber threats are on the rise and what are the predictions for 2025? -From open APIs to TPPs: how can banks effectively manage third-party cyber risks while staying competitive? -What are the biggest benefits and risks of AI in cyber security? How can banks best prepare? -Effective network monitoring: how can banks ensure they proactively identifying and responding to cyber threats? -Access control: what further strategies can banks employ? -Investing in employee training: is this the key to addressing the 'weakest link' in cybersecurity? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10:45 AM - 11:30 AM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:45 PM - 4:30 PM | Networking Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | Next-Gen Credit Scoring with Open Banking 2.0 Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:10 PM | Open finance: where are we on the journey? -Open finance across Europe: what now, where next?
-Engaging customers in open finance: how can the benefits be best communicated?
-Accelerating open finance innovation: to what extent will PSD3 be the catalyst for uptake?
-Getting to grips with FIDA: what are the data sharing implications and how should banks prepare for the 2026 deadline?
-From closed to collaborative: tapping into cross-sector data sharing for maximum benefit Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 1:00 PM | Operationalising AI: overcoming the hurdles -How can banks best give AI with the volume and quality of data it requires? -Closing the skills gap: how to equip the human workforce with AI literacy -From privacy and security to ethics: how can the risks of AI best be addressed? -Minimising the risk of bias: what are the critical steps? -Breaking the black box: how can banks enhance transparency and explainability in AI? -The regulatory agenda: how can banks anticipate and prepare for future regulations? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:15 PM - 12:35 PM | Optimising the digital onboarding experience Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | Platformification and APIs: reshaping the corporate banking ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Preparing for the digital euro Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:25 PM - 12:50 PM | Realising the commercial opportunity of digital currencies -Digital euro, e-krona, bitcoin: evaluating the European digital currency landscape to date -From crypto wallets to cross-border payments: how can banks incorporate digital currencies into their propositions? -The crypto wallet market: should retail banks partner or offer their own wallets? -Becoming a crypto custodian: what investment is required and what would be the time to ROI for a retail bank? -The role of CBCDs in simplifying cross-border payment: how is this market likely to evolve? -From Facebook to Paypal to X: how are various stablecoin initiatives likely to progress? -Becoming a stablecoin issuer: to what extent is this a viable model for incumbent banks? Transitioning to CBDCs: how could this be achieved without excessive systemic risk? And what will it mean for banks? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Real-time fraud prevention: keeping pace with instant payments -Faster payments, faster fraud: understanding the emerging risks and challenges that come with instant payments
-IBAN name check compliance: understanding the benefits for instant payments fraud prevention
-Collaboration is key: what more can the industry do to collectively combat instant payments fraud?
-From AI to advanced analytics: how can banks leverage new technologies to detect fraud in real-time? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:00 AM - 11:45 AM | Refreshments Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8:00 AM - 9:00 AM | Registration & breakfast Networking | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | Regulation of digital currencies by MiCA and beyond: the new frontier for governance Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5:35 PM - 5:55 PM | Shaping the digital future: strategies for secure and resilient operations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:30 PM | Tackling financial crime in the digital ecosystem Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:35 PM - 2:55 PM | Taking credit decisioning to the next stage -Automated credit decisioning: what more can AI do?
-Towards real-time credit decisions: how can AI enable faster time to lending?
-Enhancing accuracy: what more needs to be done?
-Leveraging alternative data sources: where do the main opportunities lie? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:00 PM - 12:20 PM | Taking resilience to new heights -Preparing for the DORA 2025 deadline: what more do banks need to do? -Operational resilience regulations post-Brexit: how should global financial players make sense of and comply with the European and UK resilience acts? -How can banks ensure that recovery targets and capabilities meet regulatory and customer needs? -From scenario mapping to stress testing: how can banks demonstrate proactive and consistent resilience in practice? -Setting impact tolerances for essential services: what are the key considerations? -Preparing for geopolitical disruptions to national infrastructure: how must resilience strategies prepare? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:50 AM - 12:15 PM | The future of authentication and verification -Balancing convenience with security: what level of friction will customers tolerate?
-How are biometric technologies advancing, and how can this be leveraged for seamless yet robust authentication experiences?
-Integrating new technologies into existing products and interfaces: what are the key considerations?
-Secure authentication in a generative AI world: what are the opportunities and risks?
-Looking ahead: what is the landscape for future ID verification and authentication? Fireside chat | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:25 PM | The future of digital wallets -The current state of the market: who’s leading the way in digital wallet innovations?
-Apple’s decision to open NFC technology to TPPs: what opportunities could this spark for national wallets in the Nordics?
-How will advancements in wallets impact banking app innovation in the Nordics and Baltics?
-A2A rollout: what’s next for wallet innovation for open banking payments?
-The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:55 PM | The global A2A landscape -Evaluating A2A payments across the globe: who’s leading the charge?
-From optimising payment systems to embracing new technologies: how is the legacy payments value chain being transformed?
-Digital wallets, bank apps, QR codes: how are customer journeys re-defined?
-Cross-border, seamless journeys and beyond: what’s next for A2A payment innovation? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:30 AM - 11:50 AM | The journey towards the EU ID wallet Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:25 PM - 2:40 PM | The key role of banks in the green transition Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:05 PM - 12:25 PM | The next chapter of embedded finance -How will PSD3 enable further embedded finance innovation?
-Savings, wealth and offering for SMEs: how is embedded finance evolving beyond consumer lending?
-Getting the technology right: what are ecosystem orchestrators looking for in embedded finance partners?
-From tailored offerings to fraud detection: how is AI poised to revolutionise the embedded finance landscape?
-Compliance risks: what are the pitfalls and how can they be avoided? Interview | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:55 PM - 3:15 PM | The next evolution of fraud prevention strategies Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:15 PM - 2:35 PM | The Nordic economic outlook: the implications for lending strategies Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2:40 PM - 3:15 PM | The road to Net Zero -Catalysts for change: what is the role of banks in achieving the UN’s Sustainable Development Goals by 2030? What more needs to be done to fulfil the SDG promise?
-Building a green business: what does genuine progress look like?
-From business operations to cloud: how can banks transform internal operations to lower environmental impacts?
-Green mortgages: what more can banks do to make greener homes more attractive and easier for consumers?
-From heat pumps to solar panels to EV charging: how can banks better finance the green transition?
-Collaborating cross sector: what kind of partnerships should banks seek out to optimise their role in the green transition? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12:20 PM - 12:40 PM | Transforming fraud prevention by use of AI technology Advisory session | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3:15 PM - 3:45 PM | Turning up the heat on fraud prevention -From APP fraud to social engineering: where do the main fraud risks lie?
-Proactive, not reactive: leveraging the power of AI to detect fraud in real-time
-From alerts to nudges: what more can banks do to help customers stay vigilant?
-What more can national ID schemes do to keep fraudsters at bay?
-The crime of ‘failure to prevent’: how might fraud liability evolve in the Nordics?
-Cross-sector and inter-bank collaboration: what are the next steps? Panel discussion | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9:05 AM - 9:25 AM | Watch your tone: why the right tone of voice is paramount in digital customer relations Keynote address | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11:45 AM - 12:05 PM | Winning in an ecosystem world: building a global savings marketplace Case study | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||