• From automated attacks to real-time adaption: how is AI-driven ransomware posing new threats? 
• AI-powered phishing and social engineering: how is AI enhancing the sophistication of attacks? 
• AI for cyber-resilience: how can AI and analytics empower rapid threat detection and response? 
• From adequate governance to technical hurdles: what are challenges in leveraging AI effectively? 

• AI-powered fraud: how is AI transforming fraudsters strategies and techniques? 
• Deepfakes and AI: how are deepfakes exploiting the weaknesses of eKYC and where can AI help?  
• How can AI be used to recognise complex fraud patterns and anomalies in customer behaviour? 
• From reactive to proactive: how can AI analytics empower real-time detection and response? 
• Understanding the challenges of implementation: what are the technical hurdles to overcome? 
• How can banks ensure explainability and justifiability of decisions?  
• Complementing not replacing: how can banks effectively include AI alongside traditional tools? 

• The rise of the neo-bank: how have digital challengers successfully shaken up the market dominance of incumbents?  
• Sustainable business models: what explains the commercial success of leading neo-banks amid a sea of failed FinTech unicorns? 
• From payments and currency exchange to SME lending: which market niches have proven most lucrative for neo-banks and why? 
• Redefining the banking proposition: how have challengers successfully identified new opportunities for product innovation? 
• Budgeting tools and spending insights: how successful have personal financial management innovations been and why? 
• Seamless UX and mobile apps: to what extent can digital experience remain a competitive advantage amidst incumbent catch up?  
• From premium subscriptions to loyalty and rewards: to what extent have new revenue models contributed to challengers’ success? 

• How can banks transform KYC from a compliance necessity to a commercial differentiator? 
• Balancing onboarding ease with KYC compliance: how can banks achieve the best of both worlds? 
• From data collection to verification: where can routine onboarding tasks be automated?  
• Digital ID, e-signatures, OCR technology: what tools can best help streamline KYC processes?  
• The EUDIW: to what extent will this be a game-changer for identify verification and onboarding? 

• From money management to tailored offers: what personalised services are customers demanding? 
• Delivering personalisation in practice: what can be learnt from propositions on the market to date? 
• From tailored messaging to timely notifications: how can AI enhance customer engagement? 
• Overcoming the technical challenges: from unstructured data to real-time event streaming 

• How can banks keep pace with new cyber and digital operational resilience challenges?
• DORA one year on: what are the key novelties and ongoing challenges for compliance?  
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?  
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?  
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?  
• Emerging technologies: what cyber risks arise from the increasing use of AI? 

• From instant payments to diversity of payment methods: what key challenges do treasurers face? 
• Visibility and certainty: how can real-time cash flow visibility and accurate forecasting be achieved? 
• ERP integrations: how can banks ease the integration of treasury with ERP systems? 
• Automating payment workflows: where can API’s streamline corporate treasury management?  

• From API interfaces to permission platforms: what new services will banks have to provide and how? 
• Data sharing in practice: what will be required to ensure accessibility and standardisation of data? 
• Data security and compliance: what expectations will financial information service providers face? 
• Monetising investments: how can banks recoup the costs and benefit as an open data first mover? 

• The Forward ’28 vision: why is transformation essential to serving customers better in an increasingly digital world? 
• Boosting developer productivity and time to market: how will transformation speed up the development of innovative solutions? 
• From conversational interfaces to personalised recommendations: how will Forward ‘28 unlock next-gen customer services?  
• Unpacking the importance of cloud: how can cloud simplify the implementation of innovative AI and data-driven services? 

• The start-up vision: how did you decide on the market proposition and what inspired the idea? 
• Funding journeys: what steps did you take to secure funding from seed stage and beyond? 
• Investor partnership strategy: how did you select the right investors for your business goals? 
• Challenges of scaling: how did you overcome the obstacles on the way to sustainable growth?  
• Talent and teams: how should start-ups build a strong culture to attract and retain talent? 
• Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind? 

• Developer productivity: how can gen AI-powered script generation accelerate time to market? 
• How far can gen AI develop accurate and reliable code? And how should banks manage the risks? 
• AI-powered code healing: how can AI be leveraged to detect and fix code issues?  
• What are the technical challenges in integrating AI into existing coding and DevOps workflows? 

• Network and counter-party collaboration: how far can sharing data characteristics stem the tide? 
• Cross-channel coverage: how can banks effectively eliminate system gaps across channels? 
• Towards real-time scoring: how can banks accurately determine fraud risk in real-time? 
• AI and ML: how can banks leverage AI-based layers to detect and block fraud with precision? 

• What are the key criteria VCs and investors look for when identifying a suitable start-up to invest in? 
• What are founders looking for from their partners? What key factors should they consider? 
• What are the key causes of strategy misalignment, and how can start-ups ensure better synergy? 
• How can partnership agreements be structured to establish clear roles, risk and revenue sharing? 
• Fostering effective partnerships: what can be learnt from successes and past mistakes? 

• Next-gen customer insights: what new commercial opportunities could open transaction data unlock? 
• Streamlining authentication: how can open banking data enhance the ease of customer journeys? 
• From budgeting insights to automating saving: how can banks harness open data to improve PFM? 
• Enabling comprehensive subscription management: how can open banking pave the way?  
• Transforming loyalty programmes: how can banks leverage open data to tailor offers and rewards? 
• Towards open finance: how will FIDA unlock new revenue across pensions, insurance and wealth? 
• From pension dashboards to marketplaces: what new revenue models could banks look to explore? 
• In what timeframe will open finance become profitable? And how should banks invest now? 

• Streamlining customer journeys: where can ease be enhanced for customers and clients? 
• Self-service banking: what level of control are customers and clients looking for from banks? 
• SME banking today: how can the ease of retail digital banking be replicated for SME clients? 
• Digital needs: what features do customers and clients want from their mobile and online portals? 
• Personal and business financial advice: how can banks enhance their financial advisory services? 
• Seamless subscriptions, billing and expense management: where can services be enhanced? 
• Hassle free payments: how can payments and transfers be simplified for individuals and SMEs? 
• The future of the customer/client relationship: how could the role of banks be set to evolve? 

Please find the Zoom details below:

Join Zoom Meeting
https://us02web.zoom.us/j/86332789535?pwd=fis9jlEgwHjG23YWAXQavzJbf09saJ.1

Meeting ID: 863 3278 9535
Passcode: 207217---One tap mobile
+442034815237,,86332789535# United Kingdom
+442034815240,,86332789535# United KingdomJoin instructions
https://us02web.zoom.us/meetings/86332789535/invitations?signature=sIuwHhEu1OWQAg4P5n2dOvQfHyUTywvp9sFrtqCgYh0

• Why open data? What are the limitations of traditional data sources for credit risk assessments?  
• From cash flow to ERP data: what new and richer data sources could open banking unlock?  
• Data clarity: how can AI-driven analytics enhance lender’s understanding of SME financial health?   
• Towards real-time analysis: how can advanced analytics and open data drive faster and more accurate decisioning?  
• Data-driven personalisation: how can open data enable lenders to deliver more contextual and tailored offers? 

• Assessing the market challenges: what are the biggest pain points for SMEs in accessing finance? 
• From default risk to lack of quality data: what are the challenges to making SME lending profitable?  
• Transactions, ERP and cash flow data: how can banks leverage new data sources effectively? 
• Streamlining loan applications and onboarding: what can be learnt from innovative digital players? 
• Automation: how can lenders streamline approvals with smart automation and effective controls? 
• From origination to loan servicing: how can client support be enhanced across the credit lifecycle? 
• Personalisation: how can banks build a customised suite of products that match SME requirements? 
• Banks vs. non-bank lenders: are banks still best placed competitively to serve SME financing needs? 

Normain turns judgement-heavy reports, like audits and gap analyses, into custom AI agents. Using existing templates and expertise, these agents help experts complete their work up to 80% faster

Alwy offers an all-in-one finance platform for securities firms, brokers and fund companies, streamlining onboarding, trading and compliance through secure digital identity and automation. 

Monemon is transforming youth finance by making everyday money management fun, stylish, and secure. Users can customise their app, learn money skills through gamified features, and use a sleek debit card. 

Fimento is transforming financial services with an open banking platform that simplifies secure data access and integration, helping businesses build smarter, user-friendly solutions. 

Axiology is transforming European capital markets with a blockchain-based platform for tokenised securities, making trading and settlement faster, cheaper, and more accessible for SMEs and retail investors. 

• Building the capabilities: what are the essential prerequisites for banks seeking to develop AI-powered services? 
• From customer-facing solutions to employee empowerment: what are the key lessons learnt from early implementations?  
• From structuring data to data integration: what steps should banks take to build the data backbone required? 
• Enhancing governance and risk management frameworks: how do bank policies and practices needed to adapt?  
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?  

• ​​​Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today? 
• Acquisition and FinTech partnership strategies: how should banks look to develop new digital capabilities? 
• Tariffs, sanctions and geopolitical tensions: what are the challenges for banks navigating a de-globalising world? 
• From cyberattacks to climate: how can banks ensure operational resiliency amid a growing complexity of risks? 
• Leveraging AI and emerging tech to drive efficiencies and transform customer propositions: how can banks create real competitive advantage today? 

• From increased visibility to control: what are the key customer pain points in recurring payments? 
• Seamless subscription management: where can banks simplify the process for customers?  
• Reducing cost and enhance ease for business: how can recurring payments add value for clients?  

• The Payment Services Regulation: what is the new liability framework for PSPs, BigTech and Telcos? 
• Getting to grips with social engineering: how can customer education and nudges be enhanced? 
• Behavioural analytics: how can behavioural data be harnessed to detect anomalies and fraud signs?  
• Working with BigTech and Telcos: what more can banks do to further collaboration on APP scams? 

• ​​​​Taking stock on A2A adoption: what market trends are we seeing and what explains the A2A boom?  
• Grasping the A2A advantages: from lower costs to reduced errors and better conversion rates  
• PSD3 and instant payments: to what extent will new legislation accelerate A2A adoption? 
• The EPI’s wero and BigTech wallets: to what extent will new digital wallets boost A2A growth? 
• The SPAA scheme: do the commercial advantages of the A2A scheme outweigh the costs?  
• Dynamic recurring payments and subscription payments: where do A2A payments have the edge? 
• The benefits of A2A and Request-to-Pay: from simplifying payouts to efficient cash management  
• Cracking ecommerce and bringing A2A in-store: what are the hurdles still to overcome? 
• Enhancing payment protection: what more needs to be done to foster security and trust? 

• The BaaS boom: what key market trends are driving the growth in demand for banking-as-a-service? 
• From white-labelled products to a full bank-in-a-box: what can be learnt from the range of services on the market to date? 
• Identifying a BaaS market niche: how can banks differentiate and determine where their competitive advantage lies? 
• From FinTech challengers to retailers: how can banks identify their target market and successfully cater to different client needs? 
• From quality APIs to compliance: what are the key prerequisites to ensuring ease of integration for clients? 

• The state of the market: what explains the variation in wallet adoption rates across Europe? 
• Competing with BigTech: how are Nordic wallet pioneers keeping ahead in the race? 
• The opening of Apple NFC and faceID: how far has this unlocked competition in the wallet sector?  
• Enabling cross-border payments: how are wallets simplifying P2P transfers across borders? 
• From BNPL to loyalty schemes: how can digital wallets add value at the point of payment? 
• Tapping the value of A2A payments: where can wallets seize the commercial opportunities? 
• From new customer segments to data insights: how can wallets add new value for merchants? 
• From integration to cost: what pain points still need to be overcome to boost acceptance?  
• The EPI wero: will “one wallet for Europe” be the future of the payment wallet landscape? 

• From Digital Euro progression to US retreat: what can be learnt from differing trends on the global development of CBDCs? 
• The Digital Euro: the key to reducing reliance on international BigTech and card schemes or a solution in search of a problem?  
• Pan-European payments: are retail CBDCs the key to a pan-European alternative to cards in the face of P27 failure?  
• The CBDC threat to bank deposits: how serious are the risks of disintermediation for banks? And can they be avoided?  
• Tokenised deposits: to what extent could tokenisation define the next evolution of bank assets amidst the rise of CBDCs?  
• Tokenised deposits vs. stablecoins: how do they differ and what are the key advantages of deposit tokens over stablecoins for banks? 
• Liquidity and settlement: how could tokenisation enhance liquidity and unlock value via cheaper and faster payments and settlement? 
• Smart contracts and programmability: how could deposit tokens add new value through automated, conditional transactions? 
• Private and public sector collaboration: what more could be done to ensure the benefits of digital currencies are realised for all? 

• Payments post-P27: what avenues are open to harmonising Nordic payment infrastructure?  
• Cross-currency payments: what are the challenges to overcome with multi-currency clearing? 
• SEPA Inst, RIX-INST, NPC Instant Credit Transfer: how are instant payments driving harmonisation? 
• TIPS and T2: how far are Nordic central bank migrations set to simplify settlements? 
• ISO 20022: how can enriched data be leveraged to simplify cross border payments?  
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?  

• eiDAS 2.0 and the EUDIW: what approaches are Nordic governments taking to the future eIDs? 
• From payment authentication to onboarding: how can banks unlock new value from EUDIWs? 
• Becoming an eID wallet issuer: to what extent is this is a viable model for banks?  
• Bank-verified digital identity: which players are leading the way and what can be learnt to date? 
• From Belgium’s itsme to Estonia’s Smart-ID: how are eIDs taking off outside the Nordics? 
• Nordic expansion: are Nordic ID providers set to expand outside their domestic markets?  
• Towards cross-border digital identity: what are the hurdles and how can they be overcome?  
• From ease of integration to interoperability: where can client and end-user experience be enhanced? 
• Digital ID and deepfakes: how can innovative digital identity solutions counter the rising threat? 

• Demystifying agentic AI: how is it different and where do its unique advantages lie? 
• From customer support to counter fraud: what can be learnt from agentic AI implementations to date? 
• Identifying opportunities for process improvements: which areas are most ripe for AI-driven automation? 
• Predictive analytics and data integration: where can AI-powered analysis allow banks to act proactively? 
• How can AI simplify risk and compliance? From regulatory reporting to model risk management 
• Where is maintaining human oversight necessary? And how can banks manage the risks? 
• Human-centric transformation: how can AI be used to empower not replace the human workforce?  
• What are the technical hurdles to implementing AI within existing workflows and processes? 

• From automated attacks to real-time adaption: how is AI-driven ransomware posing new threats? 
• AI-powered phishing and social engineering: how is AI enhancing the sophistication of attacks? 
• AI for cyber-resilience: how can AI and analytics empower rapid threat detection and response? 
• From adequate governance to technical hurdles: what are challenges in leveraging AI effectively? 

• AI-powered fraud: how is AI transforming fraudsters strategies and techniques? 
• Deepfakes and AI: how are deepfakes exploiting the weaknesses of eKYC and where can AI help?  
• How can AI be used to recognise complex fraud patterns and anomalies in customer behaviour? 
• From reactive to proactive: how can AI analytics empower real-time detection and response? 
• Understanding the challenges of implementation: what are the technical hurdles to overcome? 
• How can banks ensure explainability and justifiability of decisions?  
• Complementing not replacing: how can banks effectively include AI alongside traditional tools? 

• The rise of the neo-bank: how have digital challengers successfully shaken up the market dominance of incumbents?  
• Sustainable business models: what explains the commercial success of leading neo-banks amid a sea of failed FinTech unicorns? 
• From payments and currency exchange to SME lending: which market niches have proven most lucrative for neo-banks and why? 
• Redefining the banking proposition: how have challengers successfully identified new opportunities for product innovation? 
• Budgeting tools and spending insights: how successful have personal financial management innovations been and why? 
• Seamless UX and mobile apps: to what extent can digital experience remain a competitive advantage amidst incumbent catch up?  
• From premium subscriptions to loyalty and rewards: to what extent have new revenue models contributed to challengers’ success? 

• How can banks transform KYC from a compliance necessity to a commercial differentiator? 
• Balancing onboarding ease with KYC compliance: how can banks achieve the best of both worlds? 
• From data collection to verification: where can routine onboarding tasks be automated?  
• Digital ID, e-signatures, OCR technology: what tools can best help streamline KYC processes?  
• The EUDIW: to what extent will this be a game-changer for identify verification and onboarding? 

• From money management to tailored offers: what personalised services are customers demanding? 
• Delivering personalisation in practice: what can be learnt from propositions on the market to date? 
• From tailored messaging to timely notifications: how can AI enhance customer engagement? 
• Overcoming the technical challenges: from unstructured data to real-time event streaming 

• How can banks keep pace with new cyber and digital operational resilience challenges?
• DORA one year on: what are the key novelties and ongoing challenges for compliance?  
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?  
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?  
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?  
• Emerging technologies: what cyber risks arise from the increasing use of AI? 

• From instant payments to diversity of payment methods: what key challenges do treasurers face? 
• Visibility and certainty: how can real-time cash flow visibility and accurate forecasting be achieved? 
• ERP integrations: how can banks ease the integration of treasury with ERP systems? 
• Automating payment workflows: where can API’s streamline corporate treasury management?  

• From API interfaces to permission platforms: what new services will banks have to provide and how? 
• Data sharing in practice: what will be required to ensure accessibility and standardisation of data? 
• Data security and compliance: what expectations will financial information service providers face? 
• Monetising investments: how can banks recoup the costs and benefit as an open data first mover? 

• The Forward ’28 vision: why is transformation essential to serving customers better in an increasingly digital world? 
• Boosting developer productivity and time to market: how will transformation speed up the development of innovative solutions? 
• From conversational interfaces to personalised recommendations: how will Forward ‘28 unlock next-gen customer services?  
• Unpacking the importance of cloud: how can cloud simplify the implementation of innovative AI and data-driven services? 

• The start-up vision: how did you decide on the market proposition and what inspired the idea? 
• Funding journeys: what steps did you take to secure funding from seed stage and beyond? 
• Investor partnership strategy: how did you select the right investors for your business goals? 
• Challenges of scaling: how did you overcome the obstacles on the way to sustainable growth?  
• Talent and teams: how should start-ups build a strong culture to attract and retain talent? 
• Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind? 

• Developer productivity: how can gen AI-powered script generation accelerate time to market? 
• How far can gen AI develop accurate and reliable code? And how should banks manage the risks? 
• AI-powered code healing: how can AI be leveraged to detect and fix code issues?  
• What are the technical challenges in integrating AI into existing coding and DevOps workflows? 

• Network and counter-party collaboration: how far can sharing data characteristics stem the tide? 
• Cross-channel coverage: how can banks effectively eliminate system gaps across channels? 
• Towards real-time scoring: how can banks accurately determine fraud risk in real-time? 
• AI and ML: how can banks leverage AI-based layers to detect and block fraud with precision? 

• What are the key criteria VCs and investors look for when identifying a suitable start-up to invest in? 
• What are founders looking for from their partners? What key factors should they consider? 
• What are the key causes of strategy misalignment, and how can start-ups ensure better synergy? 
• How can partnership agreements be structured to establish clear roles, risk and revenue sharing? 
• Fostering effective partnerships: what can be learnt from successes and past mistakes? 

• Next-gen customer insights: what new commercial opportunities could open transaction data unlock? 
• Streamlining authentication: how can open banking data enhance the ease of customer journeys? 
• From budgeting insights to automating saving: how can banks harness open data to improve PFM? 
• Enabling comprehensive subscription management: how can open banking pave the way?  
• Transforming loyalty programmes: how can banks leverage open data to tailor offers and rewards? 
• Towards open finance: how will FIDA unlock new revenue across pensions, insurance and wealth? 
• From pension dashboards to marketplaces: what new revenue models could banks look to explore? 
• In what timeframe will open finance become profitable? And how should banks invest now? 

• Streamlining customer journeys: where can ease be enhanced for customers and clients? 
• Self-service banking: what level of control are customers and clients looking for from banks? 
• SME banking today: how can the ease of retail digital banking be replicated for SME clients? 
• Digital needs: what features do customers and clients want from their mobile and online portals? 
• Personal and business financial advice: how can banks enhance their financial advisory services? 
• Seamless subscriptions, billing and expense management: where can services be enhanced? 
• Hassle free payments: how can payments and transfers be simplified for individuals and SMEs? 
• The future of the customer/client relationship: how could the role of banks be set to evolve? 

Please find the Zoom details below:

Join Zoom Meeting
https://us02web.zoom.us/j/86332789535?pwd=fis9jlEgwHjG23YWAXQavzJbf09saJ.1

Meeting ID: 863 3278 9535
Passcode: 207217---One tap mobile
+442034815237,,86332789535# United Kingdom
+442034815240,,86332789535# United KingdomJoin instructions
https://us02web.zoom.us/meetings/86332789535/invitations?signature=sIuwHhEu1OWQAg4P5n2dOvQfHyUTywvp9sFrtqCgYh0

• Why open data? What are the limitations of traditional data sources for credit risk assessments?  
• From cash flow to ERP data: what new and richer data sources could open banking unlock?  
• Data clarity: how can AI-driven analytics enhance lender’s understanding of SME financial health?   
• Towards real-time analysis: how can advanced analytics and open data drive faster and more accurate decisioning?  
• Data-driven personalisation: how can open data enable lenders to deliver more contextual and tailored offers? 

• Assessing the market challenges: what are the biggest pain points for SMEs in accessing finance? 
• From default risk to lack of quality data: what are the challenges to making SME lending profitable?  
• Transactions, ERP and cash flow data: how can banks leverage new data sources effectively? 
• Streamlining loan applications and onboarding: what can be learnt from innovative digital players? 
• Automation: how can lenders streamline approvals with smart automation and effective controls? 
• From origination to loan servicing: how can client support be enhanced across the credit lifecycle? 
• Personalisation: how can banks build a customised suite of products that match SME requirements? 
• Banks vs. non-bank lenders: are banks still best placed competitively to serve SME financing needs? 

Normain turns judgement-heavy reports, like audits and gap analyses, into custom AI agents. Using existing templates and expertise, these agents help experts complete their work up to 80% faster

Alwy offers an all-in-one finance platform for securities firms, brokers and fund companies, streamlining onboarding, trading and compliance through secure digital identity and automation. 

Monemon is transforming youth finance by making everyday money management fun, stylish, and secure. Users can customise their app, learn money skills through gamified features, and use a sleek debit card. 

Fimento is transforming financial services with an open banking platform that simplifies secure data access and integration, helping businesses build smarter, user-friendly solutions. 

Axiology is transforming European capital markets with a blockchain-based platform for tokenised securities, making trading and settlement faster, cheaper, and more accessible for SMEs and retail investors. 

• Building the capabilities: what are the essential prerequisites for banks seeking to develop AI-powered services? 
• From customer-facing solutions to employee empowerment: what are the key lessons learnt from early implementations?  
• From structuring data to data integration: what steps should banks take to build the data backbone required? 
• Enhancing governance and risk management frameworks: how do bank policies and practices needed to adapt?  
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?  

• ​​​Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today? 
• Acquisition and FinTech partnership strategies: how should banks look to develop new digital capabilities? 
• Tariffs, sanctions and geopolitical tensions: what are the challenges for banks navigating a de-globalising world? 
• From cyberattacks to climate: how can banks ensure operational resiliency amid a growing complexity of risks? 
• Leveraging AI and emerging tech to drive efficiencies and transform customer propositions: how can banks create real competitive advantage today? 

• From increased visibility to control: what are the key customer pain points in recurring payments? 
• Seamless subscription management: where can banks simplify the process for customers?  
• Reducing cost and enhance ease for business: how can recurring payments add value for clients?  

• The Payment Services Regulation: what is the new liability framework for PSPs, BigTech and Telcos? 
• Getting to grips with social engineering: how can customer education and nudges be enhanced? 
• Behavioural analytics: how can behavioural data be harnessed to detect anomalies and fraud signs?  
• Working with BigTech and Telcos: what more can banks do to further collaboration on APP scams? 

• ​​​​Taking stock on A2A adoption: what market trends are we seeing and what explains the A2A boom?  
• Grasping the A2A advantages: from lower costs to reduced errors and better conversion rates  
• PSD3 and instant payments: to what extent will new legislation accelerate A2A adoption? 
• The EPI’s wero and BigTech wallets: to what extent will new digital wallets boost A2A growth? 
• The SPAA scheme: do the commercial advantages of the A2A scheme outweigh the costs?  
• Dynamic recurring payments and subscription payments: where do A2A payments have the edge? 
• The benefits of A2A and Request-to-Pay: from simplifying payouts to efficient cash management  
• Cracking ecommerce and bringing A2A in-store: what are the hurdles still to overcome? 
• Enhancing payment protection: what more needs to be done to foster security and trust? 

• The BaaS boom: what key market trends are driving the growth in demand for banking-as-a-service? 
• From white-labelled products to a full bank-in-a-box: what can be learnt from the range of services on the market to date? 
• Identifying a BaaS market niche: how can banks differentiate and determine where their competitive advantage lies? 
• From FinTech challengers to retailers: how can banks identify their target market and successfully cater to different client needs? 
• From quality APIs to compliance: what are the key prerequisites to ensuring ease of integration for clients? 

• The state of the market: what explains the variation in wallet adoption rates across Europe? 
• Competing with BigTech: how are Nordic wallet pioneers keeping ahead in the race? 
• The opening of Apple NFC and faceID: how far has this unlocked competition in the wallet sector?  
• Enabling cross-border payments: how are wallets simplifying P2P transfers across borders? 
• From BNPL to loyalty schemes: how can digital wallets add value at the point of payment? 
• Tapping the value of A2A payments: where can wallets seize the commercial opportunities? 
• From new customer segments to data insights: how can wallets add new value for merchants? 
• From integration to cost: what pain points still need to be overcome to boost acceptance?  
• The EPI wero: will “one wallet for Europe” be the future of the payment wallet landscape? 

• From Digital Euro progression to US retreat: what can be learnt from differing trends on the global development of CBDCs? 
• The Digital Euro: the key to reducing reliance on international BigTech and card schemes or a solution in search of a problem?  
• Pan-European payments: are retail CBDCs the key to a pan-European alternative to cards in the face of P27 failure?  
• The CBDC threat to bank deposits: how serious are the risks of disintermediation for banks? And can they be avoided?  
• Tokenised deposits: to what extent could tokenisation define the next evolution of bank assets amidst the rise of CBDCs?  
• Tokenised deposits vs. stablecoins: how do they differ and what are the key advantages of deposit tokens over stablecoins for banks? 
• Liquidity and settlement: how could tokenisation enhance liquidity and unlock value via cheaper and faster payments and settlement? 
• Smart contracts and programmability: how could deposit tokens add new value through automated, conditional transactions? 
• Private and public sector collaboration: what more could be done to ensure the benefits of digital currencies are realised for all? 

• Payments post-P27: what avenues are open to harmonising Nordic payment infrastructure?  
• Cross-currency payments: what are the challenges to overcome with multi-currency clearing? 
• SEPA Inst, RIX-INST, NPC Instant Credit Transfer: how are instant payments driving harmonisation? 
• TIPS and T2: how far are Nordic central bank migrations set to simplify settlements? 
• ISO 20022: how can enriched data be leveraged to simplify cross border payments?  
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?  

• eiDAS 2.0 and the EUDIW: what approaches are Nordic governments taking to the future eIDs? 
• From payment authentication to onboarding: how can banks unlock new value from EUDIWs? 
• Becoming an eID wallet issuer: to what extent is this is a viable model for banks?  
• Bank-verified digital identity: which players are leading the way and what can be learnt to date? 
• From Belgium’s itsme to Estonia’s Smart-ID: how are eIDs taking off outside the Nordics? 
• Nordic expansion: are Nordic ID providers set to expand outside their domestic markets?  
• Towards cross-border digital identity: what are the hurdles and how can they be overcome?  
• From ease of integration to interoperability: where can client and end-user experience be enhanced? 
• Digital ID and deepfakes: how can innovative digital identity solutions counter the rising threat? 

• Demystifying agentic AI: how is it different and where do its unique advantages lie? 
• From customer support to counter fraud: what can be learnt from agentic AI implementations to date? 
• Identifying opportunities for process improvements: which areas are most ripe for AI-driven automation? 
• Predictive analytics and data integration: where can AI-powered analysis allow banks to act proactively? 
• How can AI simplify risk and compliance? From regulatory reporting to model risk management 
• Where is maintaining human oversight necessary? And how can banks manage the risks? 
• Human-centric transformation: how can AI be used to empower not replace the human workforce?  
• What are the technical hurdles to implementing AI within existing workflows and processes? 

• From automated attacks to real-time adaption: how is AI-driven ransomware posing new threats? 
• AI-powered phishing and social engineering: how is AI enhancing the sophistication of attacks? 
• AI for cyber-resilience: how can AI and analytics empower rapid threat detection and response? 
• From adequate governance to technical hurdles: what are challenges in leveraging AI effectively? 

• AI-powered fraud: how is AI transforming fraudsters strategies and techniques? 
• Deepfakes and AI: how are deepfakes exploiting the weaknesses of eKYC and where can AI help?  
• How can AI be used to recognise complex fraud patterns and anomalies in customer behaviour? 
• From reactive to proactive: how can AI analytics empower real-time detection and response? 
• Understanding the challenges of implementation: what are the technical hurdles to overcome? 
• How can banks ensure explainability and justifiability of decisions?  
• Complementing not replacing: how can banks effectively include AI alongside traditional tools? 

• The rise of the neo-bank: how have digital challengers successfully shaken up the market dominance of incumbents?  
• Sustainable business models: what explains the commercial success of leading neo-banks amid a sea of failed FinTech unicorns? 
• From payments and currency exchange to SME lending: which market niches have proven most lucrative for neo-banks and why? 
• Redefining the banking proposition: how have challengers successfully identified new opportunities for product innovation? 
• Budgeting tools and spending insights: how successful have personal financial management innovations been and why? 
• Seamless UX and mobile apps: to what extent can digital experience remain a competitive advantage amidst incumbent catch up?  
• From premium subscriptions to loyalty and rewards: to what extent have new revenue models contributed to challengers’ success? 

• How can banks transform KYC from a compliance necessity to a commercial differentiator? 
• Balancing onboarding ease with KYC compliance: how can banks achieve the best of both worlds? 
• From data collection to verification: where can routine onboarding tasks be automated?  
• Digital ID, e-signatures, OCR technology: what tools can best help streamline KYC processes?  
• The EUDIW: to what extent will this be a game-changer for identify verification and onboarding? 

• From money management to tailored offers: what personalised services are customers demanding? 
• Delivering personalisation in practice: what can be learnt from propositions on the market to date? 
• From tailored messaging to timely notifications: how can AI enhance customer engagement? 
• Overcoming the technical challenges: from unstructured data to real-time event streaming 

• How can banks keep pace with new cyber and digital operational resilience challenges?
• DORA one year on: what are the key novelties and ongoing challenges for compliance?  
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?  
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?  
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?  
• Emerging technologies: what cyber risks arise from the increasing use of AI? 

• From instant payments to diversity of payment methods: what key challenges do treasurers face? 
• Visibility and certainty: how can real-time cash flow visibility and accurate forecasting be achieved? 
• ERP integrations: how can banks ease the integration of treasury with ERP systems? 
• Automating payment workflows: where can API’s streamline corporate treasury management?  

• From API interfaces to permission platforms: what new services will banks have to provide and how? 
• Data sharing in practice: what will be required to ensure accessibility and standardisation of data? 
• Data security and compliance: what expectations will financial information service providers face? 
• Monetising investments: how can banks recoup the costs and benefit as an open data first mover? 

• The Forward ’28 vision: why is transformation essential to serving customers better in an increasingly digital world? 
• Boosting developer productivity and time to market: how will transformation speed up the development of innovative solutions? 
• From conversational interfaces to personalised recommendations: how will Forward ‘28 unlock next-gen customer services?  
• Unpacking the importance of cloud: how can cloud simplify the implementation of innovative AI and data-driven services? 

• The start-up vision: how did you decide on the market proposition and what inspired the idea? 
• Funding journeys: what steps did you take to secure funding from seed stage and beyond? 
• Investor partnership strategy: how did you select the right investors for your business goals? 
• Challenges of scaling: how did you overcome the obstacles on the way to sustainable growth?  
• Talent and teams: how should start-ups build a strong culture to attract and retain talent? 
• Advice to other entrepreneurs starting their journey: what are the key factors to keep in mind? 

• Developer productivity: how can gen AI-powered script generation accelerate time to market? 
• How far can gen AI develop accurate and reliable code? And how should banks manage the risks? 
• AI-powered code healing: how can AI be leveraged to detect and fix code issues?  
• What are the technical challenges in integrating AI into existing coding and DevOps workflows? 

• Network and counter-party collaboration: how far can sharing data characteristics stem the tide? 
• Cross-channel coverage: how can banks effectively eliminate system gaps across channels? 
• Towards real-time scoring: how can banks accurately determine fraud risk in real-time? 
• AI and ML: how can banks leverage AI-based layers to detect and block fraud with precision? 

• What are the key criteria VCs and investors look for when identifying a suitable start-up to invest in? 
• What are founders looking for from their partners? What key factors should they consider? 
• What are the key causes of strategy misalignment, and how can start-ups ensure better synergy? 
• How can partnership agreements be structured to establish clear roles, risk and revenue sharing? 
• Fostering effective partnerships: what can be learnt from successes and past mistakes? 

• Next-gen customer insights: what new commercial opportunities could open transaction data unlock? 
• Streamlining authentication: how can open banking data enhance the ease of customer journeys? 
• From budgeting insights to automating saving: how can banks harness open data to improve PFM? 
• Enabling comprehensive subscription management: how can open banking pave the way?  
• Transforming loyalty programmes: how can banks leverage open data to tailor offers and rewards? 
• Towards open finance: how will FIDA unlock new revenue across pensions, insurance and wealth? 
• From pension dashboards to marketplaces: what new revenue models could banks look to explore? 
• In what timeframe will open finance become profitable? And how should banks invest now? 

• Streamlining customer journeys: where can ease be enhanced for customers and clients? 
• Self-service banking: what level of control are customers and clients looking for from banks? 
• SME banking today: how can the ease of retail digital banking be replicated for SME clients? 
• Digital needs: what features do customers and clients want from their mobile and online portals? 
• Personal and business financial advice: how can banks enhance their financial advisory services? 
• Seamless subscriptions, billing and expense management: where can services be enhanced? 
• Hassle free payments: how can payments and transfers be simplified for individuals and SMEs? 
• The future of the customer/client relationship: how could the role of banks be set to evolve? 

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• Why open data? What are the limitations of traditional data sources for credit risk assessments?  
• From cash flow to ERP data: what new and richer data sources could open banking unlock?  
• Data clarity: how can AI-driven analytics enhance lender’s understanding of SME financial health?   
• Towards real-time analysis: how can advanced analytics and open data drive faster and more accurate decisioning?  
• Data-driven personalisation: how can open data enable lenders to deliver more contextual and tailored offers? 

• Assessing the market challenges: what are the biggest pain points for SMEs in accessing finance? 
• From default risk to lack of quality data: what are the challenges to making SME lending profitable?  
• Transactions, ERP and cash flow data: how can banks leverage new data sources effectively? 
• Streamlining loan applications and onboarding: what can be learnt from innovative digital players? 
• Automation: how can lenders streamline approvals with smart automation and effective controls? 
• From origination to loan servicing: how can client support be enhanced across the credit lifecycle? 
• Personalisation: how can banks build a customised suite of products that match SME requirements? 
• Banks vs. non-bank lenders: are banks still best placed competitively to serve SME financing needs? 

Normain turns judgement-heavy reports, like audits and gap analyses, into custom AI agents. Using existing templates and expertise, these agents help experts complete their work up to 80% faster

Alwy offers an all-in-one finance platform for securities firms, brokers and fund companies, streamlining onboarding, trading and compliance through secure digital identity and automation. 

Monemon is transforming youth finance by making everyday money management fun, stylish, and secure. Users can customise their app, learn money skills through gamified features, and use a sleek debit card. 

Fimento is transforming financial services with an open banking platform that simplifies secure data access and integration, helping businesses build smarter, user-friendly solutions. 

Axiology is transforming European capital markets with a blockchain-based platform for tokenised securities, making trading and settlement faster, cheaper, and more accessible for SMEs and retail investors. 

• Building the capabilities: what are the essential prerequisites for banks seeking to develop AI-powered services? 
• From customer-facing solutions to employee empowerment: what are the key lessons learnt from early implementations?  
• From structuring data to data integration: what steps should banks take to build the data backbone required? 
• Enhancing governance and risk management frameworks: how do bank policies and practices needed to adapt?  
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?  

• ​​​Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today? 
• Acquisition and FinTech partnership strategies: how should banks look to develop new digital capabilities? 
• Tariffs, sanctions and geopolitical tensions: what are the challenges for banks navigating a de-globalising world? 
• From cyberattacks to climate: how can banks ensure operational resiliency amid a growing complexity of risks? 
• Leveraging AI and emerging tech to drive efficiencies and transform customer propositions: how can banks create real competitive advantage today? 

• From increased visibility to control: what are the key customer pain points in recurring payments? 
• Seamless subscription management: where can banks simplify the process for customers?  
• Reducing cost and enhance ease for business: how can recurring payments add value for clients?  

• The Payment Services Regulation: what is the new liability framework for PSPs, BigTech and Telcos? 
• Getting to grips with social engineering: how can customer education and nudges be enhanced? 
• Behavioural analytics: how can behavioural data be harnessed to detect anomalies and fraud signs?  
• Working with BigTech and Telcos: what more can banks do to further collaboration on APP scams? 

• ​​​​Taking stock on A2A adoption: what market trends are we seeing and what explains the A2A boom?  
• Grasping the A2A advantages: from lower costs to reduced errors and better conversion rates  
• PSD3 and instant payments: to what extent will new legislation accelerate A2A adoption? 
• The EPI’s wero and BigTech wallets: to what extent will new digital wallets boost A2A growth? 
• The SPAA scheme: do the commercial advantages of the A2A scheme outweigh the costs?  
• Dynamic recurring payments and subscription payments: where do A2A payments have the edge? 
• The benefits of A2A and Request-to-Pay: from simplifying payouts to efficient cash management  
• Cracking ecommerce and bringing A2A in-store: what are the hurdles still to overcome? 
• Enhancing payment protection: what more needs to be done to foster security and trust? 

• The BaaS boom: what key market trends are driving the growth in demand for banking-as-a-service? 
• From white-labelled products to a full bank-in-a-box: what can be learnt from the range of services on the market to date? 
• Identifying a BaaS market niche: how can banks differentiate and determine where their competitive advantage lies? 
• From FinTech challengers to retailers: how can banks identify their target market and successfully cater to different client needs? 
• From quality APIs to compliance: what are the key prerequisites to ensuring ease of integration for clients? 

• The state of the market: what explains the variation in wallet adoption rates across Europe? 
• Competing with BigTech: how are Nordic wallet pioneers keeping ahead in the race? 
• The opening of Apple NFC and faceID: how far has this unlocked competition in the wallet sector?  
• Enabling cross-border payments: how are wallets simplifying P2P transfers across borders? 
• From BNPL to loyalty schemes: how can digital wallets add value at the point of payment? 
• Tapping the value of A2A payments: where can wallets seize the commercial opportunities? 
• From new customer segments to data insights: how can wallets add new value for merchants? 
• From integration to cost: what pain points still need to be overcome to boost acceptance?  
• The EPI wero: will “one wallet for Europe” be the future of the payment wallet landscape? 

• From Digital Euro progression to US retreat: what can be learnt from differing trends on the global development of CBDCs? 
• The Digital Euro: the key to reducing reliance on international BigTech and card schemes or a solution in search of a problem?  
• Pan-European payments: are retail CBDCs the key to a pan-European alternative to cards in the face of P27 failure?  
• The CBDC threat to bank deposits: how serious are the risks of disintermediation for banks? And can they be avoided?  
• Tokenised deposits: to what extent could tokenisation define the next evolution of bank assets amidst the rise of CBDCs?  
• Tokenised deposits vs. stablecoins: how do they differ and what are the key advantages of deposit tokens over stablecoins for banks? 
• Liquidity and settlement: how could tokenisation enhance liquidity and unlock value via cheaper and faster payments and settlement? 
• Smart contracts and programmability: how could deposit tokens add new value through automated, conditional transactions? 
• Private and public sector collaboration: what more could be done to ensure the benefits of digital currencies are realised for all? 

• Payments post-P27: what avenues are open to harmonising Nordic payment infrastructure?  
• Cross-currency payments: what are the challenges to overcome with multi-currency clearing? 
• SEPA Inst, RIX-INST, NPC Instant Credit Transfer: how are instant payments driving harmonisation? 
• TIPS and T2: how far are Nordic central bank migrations set to simplify settlements? 
• ISO 20022: how can enriched data be leveraged to simplify cross border payments?  
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?  

• eiDAS 2.0 and the EUDIW: what approaches are Nordic governments taking to the future eIDs? 
• From payment authentication to onboarding: how can banks unlock new value from EUDIWs? 
• Becoming an eID wallet issuer: to what extent is this is a viable model for banks?  
• Bank-verified digital identity: which players are leading the way and what can be learnt to date? 
• From Belgium’s itsme to Estonia’s Smart-ID: how are eIDs taking off outside the Nordics? 
• Nordic expansion: are Nordic ID providers set to expand outside their domestic markets?  
• Towards cross-border digital identity: what are the hurdles and how can they be overcome?  
• From ease of integration to interoperability: where can client and end-user experience be enhanced? 
• Digital ID and deepfakes: how can innovative digital identity solutions counter the rising threat? 

• Demystifying agentic AI: how is it different and where do its unique advantages lie? 
• From customer support to counter fraud: what can be learnt from agentic AI implementations to date? 
• Identifying opportunities for process improvements: which areas are most ripe for AI-driven automation? 
• Predictive analytics and data integration: where can AI-powered analysis allow banks to act proactively? 
• How can AI simplify risk and compliance? From regulatory reporting to model risk management 
• Where is maintaining human oversight necessary? And how can banks manage the risks? 
• Human-centric transformation: how can AI be used to empower not replace the human workforce?  
• What are the technical hurdles to implementing AI within existing workflows and processes?