• Towards straight through automation: how is agentic AI set to revolutionise customer support?
• AI that can act: what are the practical tasks AI agents can carry out on customers’ behalf?
• Turning up the heat: how could AI agents increase choice and competitive pressures on banks?
• From legacy systems to real-time data: what are the key challenges of implementation?
• From data strategy to cloud: what tools should banks be leveraging to reach AI maturity?

• 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?
• AML strategies: how can AI and ML enhance client screening and transaction monitoring in practice?
• 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?
• Avoiding blackboxes: 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 identifying market niches to full-service banking: how have challengers assessed the right path to sustainable growth?
• From payments and currency exchange to SME lending: which market niches have proved 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

• From DDoS to SQL injection: how can banks keep pace with the growing complexity of cyber-attacks?
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?
• Setting impact tolerances: how should banks assess the level of impact business activities can absorb?
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?
• Managing third-party failure: how should banks assess and plan for external vulnerabilities?
• Ensuring ongoing compliance with DORA: what are the key lessons learnt for best practices?
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?
• From climate to geopolitics: how can banks adapt risk management practices to systemic change?

• 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 origination to collections: how can banks identify the low-hanging fruit for operational transformation?
• Optimising pricing models: what tools can lenders use to set dynamic and competitive prices?
• From e-signatures to RPA: what tools can lenders leverage to streamline the loan application process?
• From alternative data sources to AI: how can lenders increase the accuracy of credit scoring and risk models?
• Speeding up decisioning without compromising on risk: how can lenders achieve the best of both worlds?
• Loan servicing and collections: where can lenders drive efficiencies without compromising customer experience?
• Proactive pre-delinquency management: how can lenders more reliably identify the warning signs?
• Towards end-to-end automation: how far can consumer lending automation go?

• 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

• 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?

• 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?
• Assessing the data foundations: how can banks determine the data maturity requirements for their AI goals?
• 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?
• Navigating the complexities of system integration: how can banks ensure legacy architecture is up to the task?
• Ensuring model transparency, explainability and avoiding bias: how can banks effectively anticipate regulators’ concerns?
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?

• 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?
• Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today?
• Defining acquisition strategies: from entering new market niches to acquiring digital capabilities at speed
• Value-added services: how must banks reimagine traditional retail propositions for a more competitive landscape?
• Leveraging AI and emerging tech: where should banks be looking to build capabilities and competitive advantage?
• The opportunities of FIDA and open finance: where could banks unlock new revenue streams through open data?
• Building a platform for success: how should technology investment be prioritised for a new era of modernisation?

• From increased visibility to control: what are the key customer pain points in recurring payments?
• Grasping the benefit: how can recurring payments solutions add value beyond direct debits?
• 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?
• Pan-European payments: how can interoperability between national payment schemes be improved?
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?
• Connecting faster payments globally: what are the challenges to enabling interoperability?

• 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?

• Towards straight through automation: how is agentic AI set to revolutionise customer support?
• AI that can act: what are the practical tasks AI agents can carry out on customers’ behalf?
• Turning up the heat: how could AI agents increase choice and competitive pressures on banks?
• From legacy systems to real-time data: what are the key challenges of implementation?
• From data strategy to cloud: what tools should banks be leveraging to reach AI maturity?

• 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?
• AML strategies: how can AI and ML enhance client screening and transaction monitoring in practice?
• 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?
• Avoiding blackboxes: 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 identifying market niches to full-service banking: how have challengers assessed the right path to sustainable growth?
• From payments and currency exchange to SME lending: which market niches have proved 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

• From DDoS to SQL injection: how can banks keep pace with the growing complexity of cyber-attacks?
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?
• Setting impact tolerances: how should banks assess the level of impact business activities can absorb?
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?
• Managing third-party failure: how should banks assess and plan for external vulnerabilities?
• Ensuring ongoing compliance with DORA: what are the key lessons learnt for best practices?
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?
• From climate to geopolitics: how can banks adapt risk management practices to systemic change?

• 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 origination to collections: how can banks identify the low-hanging fruit for operational transformation?
• Optimising pricing models: what tools can lenders use to set dynamic and competitive prices?
• From e-signatures to RPA: what tools can lenders leverage to streamline the loan application process?
• From alternative data sources to AI: how can lenders increase the accuracy of credit scoring and risk models?
• Speeding up decisioning without compromising on risk: how can lenders achieve the best of both worlds?
• Loan servicing and collections: where can lenders drive efficiencies without compromising customer experience?
• Proactive pre-delinquency management: how can lenders more reliably identify the warning signs?
• Towards end-to-end automation: how far can consumer lending automation go?

• 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

• 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?

• 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?
• Assessing the data foundations: how can banks determine the data maturity requirements for their AI goals?
• 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?
• Navigating the complexities of system integration: how can banks ensure legacy architecture is up to the task?
• Ensuring model transparency, explainability and avoiding bias: how can banks effectively anticipate regulators’ concerns?
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?

• 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?
• Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today?
• Defining acquisition strategies: from entering new market niches to acquiring digital capabilities at speed
• Value-added services: how must banks reimagine traditional retail propositions for a more competitive landscape?
• Leveraging AI and emerging tech: where should banks be looking to build capabilities and competitive advantage?
• The opportunities of FIDA and open finance: where could banks unlock new revenue streams through open data?
• Building a platform for success: how should technology investment be prioritised for a new era of modernisation?

• From increased visibility to control: what are the key customer pain points in recurring payments?
• Grasping the benefit: how can recurring payments solutions add value beyond direct debits?
• 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?
• Pan-European payments: how can interoperability between national payment schemes be improved?
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?
• Connecting faster payments globally: what are the challenges to enabling interoperability?

• 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?

• Towards straight through automation: how is agentic AI set to revolutionise customer support?
• AI that can act: what are the practical tasks AI agents can carry out on customers’ behalf?
• Turning up the heat: how could AI agents increase choice and competitive pressures on banks?
• From legacy systems to real-time data: what are the key challenges of implementation?
• From data strategy to cloud: what tools should banks be leveraging to reach AI maturity?

• 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?
• AML strategies: how can AI and ML enhance client screening and transaction monitoring in practice?
• 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?
• Avoiding blackboxes: 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 identifying market niches to full-service banking: how have challengers assessed the right path to sustainable growth?
• From payments and currency exchange to SME lending: which market niches have proved 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

• From DDoS to SQL injection: how can banks keep pace with the growing complexity of cyber-attacks?
• Penetration testing: how can banks reliably identify weaknesses that might lead to data breaches?
• Setting impact tolerances: how should banks assess the level of impact business activities can absorb?
• Disaster recovery: what best practices can banks employ to minimise downtime and react at speed?
• Managing third-party failure: how should banks assess and plan for external vulnerabilities?
• Ensuring ongoing compliance with DORA: what are the key lessons learnt for best practices?
• Ensuring effective change management: how can banks mitigate the risks of digital transformation?
• From climate to geopolitics: how can banks adapt risk management practices to systemic change?

• 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 origination to collections: how can banks identify the low-hanging fruit for operational transformation?
• Optimising pricing models: what tools can lenders use to set dynamic and competitive prices?
• From e-signatures to RPA: what tools can lenders leverage to streamline the loan application process?
• From alternative data sources to AI: how can lenders increase the accuracy of credit scoring and risk models?
• Speeding up decisioning without compromising on risk: how can lenders achieve the best of both worlds?
• Loan servicing and collections: where can lenders drive efficiencies without compromising customer experience?
• Proactive pre-delinquency management: how can lenders more reliably identify the warning signs?
• Towards end-to-end automation: how far can consumer lending automation go?

• 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?

• 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?
• Assessing the data foundations: how can banks determine the data maturity requirements for their AI goals?
• 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?
• Navigating the complexities of system integration: how can banks ensure legacy architecture is up to the task?
• Ensuring model transparency, explainability and avoiding bias: how can banks effectively anticipate regulators’ concerns?
• Teams, talent and operating models: how should banks ensure the enterprise is prepared for agile AI development?

• 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?
• Diversification or strengthening core business: how should banks re-evaluate their strategic priorities today?
• Defining acquisition strategies: from entering new market niches to acquiring digital capabilities at speed
• Value-added services: how must banks reimagine traditional retail propositions for a more competitive landscape?
• Leveraging AI and emerging tech: where should banks be looking to build capabilities and competitive advantage?
• The opportunities of FIDA and open finance: where could banks unlock new revenue streams through open data?
• Building a platform for success: how should technology investment be prioritised for a new era of modernisation?

• From increased visibility to control: what are the key customer pain points in recurring payments?
• Grasping the benefit: how can recurring payments solutions add value beyond direct debits?
• 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?
• Pan-European payments: how can interoperability between national payment schemes be improved?
• From EPI’s Wero to CBDCs: how far could these initiatives enhance pan-European harmonisation?
• Connecting faster payments globally: what are the challenges to enabling interoperability?

• 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?