Platforms, partnerships and embedded finance are redefining how banking products reach customers.
Banking is increasingly becoming infrastructure embedded inside broader digital ecosystems. As fintechs specialise and banks rebundle services, customer ownership is shifting toward platforms, marketplaces and ecosystem partnerships. This session explores how banks, fintechs and infrastructure providers collaborate to create scalable financial experiences across payments, insurance, onboarding and embedded financial services. The focus is practical: distribution strategy, platform economics and ecosystem execution.
Moderator: Mac Mahalingam, AWS Global Financial Services
How infrastructure platforms power the next generation of global banking.
Cross-border banking increasingly depends on infrastructure partnerships rather than proprietary rails. This session explores how platform banking enables institutions to deliver faster, more scalable and globally connected financial services.
Lessons from digital transformation in a fast-evolving banking market.
Transformation inside established banks requires balancing innovation with operational realities and regulatory expectations. This presentation shares practical lessons from building modern banking capabilities inside a traditional institution.
Rethinking payment experiences in an increasingly digital world.
As payments become more embedded and invisible, resilience and accessibility remain critical. This presentation explores the future of wallets, offline payments and secure transaction experiences across digital ecosystems.
Strategic investment, ecosystem building and innovation sourcing inside large banks.
Banks increasingly rely on partnerships to accelerate innovation and remain competitive. This session explores how financial institutions evaluate fintech ecosystems, investment opportunities and strategic collaboration models.
Product strategy, embedded journeys and the race to own the customer relationship.
How banks transform operating models, technology platforms and organisational structures at scale.
Digital transformation in banking has moved beyond mobile apps and isolated innovation programs. The real challenge today is execution: aligning strategy, technology, governance and organisational culture to deliver continuous transformation across the enterprise. This session explores how banks modernise lending, payments, operations and customer journeys while balancing scale, resilience and speed. The discussion combines technology, operating model and leadership perspectives from both banks and transformation partners.
Moderator: Tatiana Descamps, Senior Manager, Emerging Technology & Transformation, EY Parthenon
Reimagining workflows, culture, and operating models to unlock scalable innovation and business value through AI-driven transformation.
From Fragmented Models to a Unified Banking Intelligence Layer.
In a traditional banking setup, we use different models for different tasks. For example, we have one model for fraud detection, and a completely separate model for credit scoring or marketing. Building these models from scratch is incredibly time-consuming, duplicates effort across departments, and creates isolated data silos. At Revolut, we developed PRAGMA—a single, universal AI model that functions much like a Large Language Model (LLM), but is trained purely to understand and predict banking events. This approach delivers massive improvements in model quality across the bank, whilst also reducing new model development time from months down to days.
Organisational redesign, technology execution and the future operating model of banking.
How AI, digital assets and intelligent operating models are reshaping the competitive landscape of banking.
European banking is entering a new phase where AI moves beyond productivity tooling into decision-making, customer engagement and operational execution. At the same time, challenger banks, crypto-native institutions and infrastructure providers are redefining how banking products are built, distributed and monetised. This session explores how banks can modernise responsibly while remaining competitive in a rapidly evolving financial ecosystem. The discussion combines strategic outlooks with practical lessons from digital banking, AI implementation and regulated digital asset innovation.
Moderator: Delisa Stone, Partner, Deloitte Technology and Transformation
AI, trust and the race to redesign the banking operating model.
This presentation explores the strategic trends shaping banking over the next five years, from AI-native operating models to platform ecosystems and digital trust. It examines how incumbents and challengers compete differently — and what banks must prioritise to remain relevant in a rapidly changing market.
What regulated crypto banks can teach traditional financial institutions.
As digital assets move further into regulated finance, banks face new questions around custody, compliance, infrastructure and customer demand. This session explores how regulated crypto banking is evolving from a niche offering to a broader financial ecosystem capability.
“The Rapid Evolution of Banking Infrastructure: Achieving ‘Continuous Innovation’ is More Feasible Than You Think”
Revolut’s Hadi Nasrallah and Cover Genius’s Danny Poole on why traditional bancassurance is broken, and what the digital banks pulling ahead are doing differently.
For four decades, banks have sold insurance the same way: standalone products, annual reviews, a perk page customers rarely read. In an era of compressed interchange and underperforming premium tiers, that model has reached its limit. A new approach is emerging: Bancassurance 2.0, where protection moves from detached bolt-on to an integrated, contextual, revenue-generating layer of the bank.
In this 20-minute fireside, Hadi Nasrallah, Executive VP at Revolut, joins Danny Poole, VP Banking, Commerce & Platforms at Cover Genius, to dissect what is actually working in the market: cloud-native architecture meeting cloud-native banking, continuous data-driven product evolution, and the shift from annual loss-ratio reviews to real-time, in-app decisions. Expect direct talk about what Revolut has built, where the rest of the industry is stuck, and one practical step every CFO, CPO and product leader in the room can take on Monday morning.
AI, payments, digital assets and the battle for customer ownership.
Digital identity, AI governance and financial crime prevention in the next era of banking.
This session explores why financial institutions continue to face rising compliance costs, increasing regulatory pressure and significant fines despite unprecedented investment in KYC, CDD and transaction monitoring capabilities. We examine how the real challenge often lies not within the compliance workflows themselves, but within fragmented architectures, inconsistent data and disconnected processes that make investigations inefficient and resource intensive. The discussion will focus on why simply layering AI onto existing processes may amplify current challenges rather than solve them, and why strong data foundations and governance are critical to unlocking meaningful value from AI. Finally, we will explore the importance of human oversight, accountability and trust when deploying AI within highly regulated environments.
Moderator: Rheta de Preez, Partner, Monocle Solutions
Why customer experience, speed and simplicity still disrupt incumbents.
Building a new bank today requires more than a digital front-end — it requires rethinking products, operating models and customer engagement from the ground up. This session shares practical lessons from launching a challenger bank in an increasingly competitive European market.
How banks redesign governance, digital trust and customer security for intelligent banking.
As banking becomes increasingly AI-driven, interconnected and real-time, trust can no longer be treated as a standalone compliance function. This presentation explores how banks rethink governance, digital identity, operational resilience and customer trust frameworks to support the next generation of intelligent financial services.
Moving from innovation pilots to enterprise-wide execution.
Banks increasingly struggle not with AI experimentation, but with operationalising AI at scale across complex organisations. This presentation examines how institutions industrialise AI responsibly while balancing governance, technology integration and measurable business outcomes.
How banks redesign trust, onboarding and compliance for the next generation of banking.
Networking with The Banking 50 and EDFC
Join us at the Money Party, the official networking reception of the European Digital Finance Conference. Powered by The Banking 50, this is where meaningful connections are made, ideas are exchanged, and business opportunities come to life. An unmissable chance to expand and strengthen your professional network in banking and financial services.
