The organiser’s own mark. Banking Frontier 2026 is organised by Zenith-Energie International s.r.o..
AI & Trusted Finance — AI-native banking, governance, model risk, data foundations, and the path from pilots to enterprise value. (23 November 2026)
Identity & Cyber Resilience — Digital identity, fraud prevention, authentication, cyber resilience, and real-time trust across banking journeys. (24 November 2026)
Payments & Digital Assets — Instant payments, wallets, tokenization, Open Finance, digital assets, and the future of money movement. (25 November 2026)
Customer Growth & Platform Banking — Omnichannel journeys, AI-assisted service, smart branches, SME banking, and platform-based growth. (26 November 2026)
Future-Proofing Banking 2027–2030 — Post-quantum readiness, sovereign AI, and the technologies shaping banking to 2030. (27 November 2026)
The five themes explained
A spacious statement of each theme, then a compact set of the people
the organiser publishes for that day.
23 November 2026
AI & Trusted Finance
AI-native banking, governance, model risk, data foundations, and the path from pilots to enterprise value.
15 published contributors · registration 08:30 · programme from 09:00 · Networking reception ends 15:45
AI governance & model risk09:00–09:30Rita Gnutti · Head of Internal Validation and Controls · Intesa Sanpaolo · Italy
AG
AI governance with a special emphasis on Agentic Systems09:00–09:30Oliver Maspfuhl · Head of Anti Financial Crime Modelling Germany & EMEA · Deutsche Bank · Germany
DA
Data, AI enablement & intelligent automation for bank operations09:30–10:00Gladson Baby · VP & Director of Data & AI Enablement · Fifth Third Bank · US
24 November 2026
Identity & Cyber Resilience
Digital identity, fraud prevention, authentication, cyber resilience, and real-time trust across banking journeys.
16 published contributors · registration 08:45 · programme from 09:00 · Networking reception ends 15:30
CO
Chairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders.08:45–09:00
CD
Corporate digital identity management09:00–09:30Stephan Wolf · Chair of the Board · Verifiable.Trade Foundation · Germany
DT
Digital trust in AI-led banking · risk, audit and cyber oversight at board level09:30–10:00Dr. Björn Lenzmann · Member of The Supervisory Board · DenizBank · Turkey
UC
User centricity in cybersecurity · UX research and behavioural science09:30–10:00Nazima Kadir · Global Head of UX: Cybersecurity · J.P. Morgan · UK
25 November 2026
Payments & Digital Assets
Instant payments, wallets, tokenization, Open Finance, digital assets, and the future of money movement.
20 published contributors · registration 08:45 · programme from 09:00 · Networking reception ends 16:30
CO
Chairperson opening08:45–09:00
IP
Instant payments and interoperability09:00–09:30Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
TN
The new payments landscape · instant, interoperable, invisible and built on trust09:00–09:30Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
DW
Digital wallets and biometric payments · customer experience and secure authentication09:30–10:00Mihai Draghici · Founder & CEO · PayByFace · Romania
26 November 2026
Customer Growth & Platform Banking
Omnichannel journeys, AI-assisted service, smart branches, SME banking, and platform-based growth.
23 published contributors · registration 08:45 · programme from 09:00 · Networking reception (see live agenda)
CO
Chairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders.08:45–09:00
HB
Human-AI banking experience09:00–09:30Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria
AS
AI-augmented service and product-led banking at scale09:00–09:30Speaker TBC
PA
Present and Future of Digital Transformation in Islamic Banking09:30–10:00Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE
27 November 2026
Future-Proofing Banking 2027–2030
Post-quantum readiness, sovereign AI, and the technologies shaping banking to 2030.
17 published contributors · registration 08:45 · programme from 09:00 · Farewell coffee ends 15:45
CO
Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making.08:45–09:00
SR
Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities09:00–09:30Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden
PB
Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk09:00–09:30Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France
ST
Systemic threats and stress testing · post-quantum readiness09:30–10:00Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany
Speaker contributions
Twelve entries from the roster of 67, each exactly as the
organiser publishes it.
Frans Vanbruggen — Werkgebied Lead — Waarden, normen en regelgeving, AI Coalitie 4 Nederland (AIC4NL) (Netherlands). Track: AI & Risk.
AI governance & model risk — 09:00–09:30, Rita Gnutti · Head of Internal Validation and Controls · Intesa Sanpaolo · Italy
AI governance with a special emphasis on Agentic Systems — 09:00–09:30, Oliver Maspfuhl · Head of Anti Financial Crime Modelling Germany & EMEA · Deutsche Bank · Germany
Data, AI enablement & intelligent automation for bank operations — 09:30–10:00, Gladson Baby · VP & Director of Data & AI Enablement · Fifth Third Bank · US
Scaling AI responsibly: leadership playbook for AI risk & compliance — 10:00–10:30, Frans Vanbruggen · Werkgebied Lead · AI Coalitie 4 Nederland (AIC4NL) · Netherlands
AI Governance: mitigating the risks of AI to unlock its true value — 10:00–10:30, Dr. Paul Dongha · Head of Responsible AI & AI Strategy · NatWest Group · UK
AI-driven banking by 2030: from transformation ambition to measurable execution — 10:30–11:00, Alina Timofeeva · Managing Partner — AI, Data & Digital Transformation · Saudi Arabia
From Process Scans to Scalable Execution: Building Human & Machine Operating Models — 10:30–11:00, Zsofia Kovacs · Efficiency Advisor, Group Organisation & Operations · KBC Bank & Verzekering · Belgium
Networking break Refreshments, peer exchange, targeted 1:1 meetings. Preparation for AI operating-model sessions. — 11:00–11:30,
Case study: AI & machine learning in operations and fraud detection — 12:00–12:30, Hassan Omidi Firouzi · VP, Applied AI ML Lead · JPMorgan Chase & Co. · US
Human resilience in AI-driven banking — 12:30–13:00, Dilek Süzal · Leadership Coach · BetterUp · Austria
Credit risk management, related modelling and stress testing in an era of trade wars: the AI solution — 12:30–13:00, Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
Networking lunch Hosted lunch with speaker and delegate introductions. Informal discussions around AI adoption, operations and governance. — 13:00–14:00,
Afternoon panel discussions Multi-bank panels on AI scaling, governance, and human resilience across both rooms. — 14:00–15:15,
Networking reception Day 1 closes with informal networking and partner meetings. — 15:15–15:45,
24 November 2026 — Identity & Cyber Resilience
Chairperson opening Frame the day around identity, cyber resilience and real-time trust. Highlight key questions for senior banking, risk and security leaders. — 08:45–09:00,
Corporate digital identity management — 09:00–09:30, Stephan Wolf · Chair of the Board · Verifiable.Trade Foundation · Germany
Digital trust in AI-led banking · risk, audit and cyber oversight at board level — 09:30–10:00, Dr. Björn Lenzmann · Member of The Supervisory Board · DenizBank · Turkey
User centricity in cybersecurity · UX research and behavioural science — 09:30–10:00, Nazima Kadir · Global Head of UX: Cybersecurity · J.P. Morgan · UK
Custody, governance and operational controls for digital assets — 10:00–10:30, Lubin Reyes · Founder and CEO · Custodial Management Solutions Ltd · UK
Networking break Coffee and 1:1 meetings. Peer exchange on digital identity, cyber and fraud priorities. — 10:30–11:00,
Cloud resilience and concentration risk in regulated banking — 11:00–11:30, Eran Goldman Malka · Cloud Security Manager · European Depositary Bank SA · Luxembourg
Navigating AI, Operational Resilience and Regulatory Evolution (DORA) — 11:00–11:30, Ricardo Galvao · ICT Risk, Processes & Quality · NOVO BANCO · Portugal
Fraud accountability: governance, liability and customer-protection controls — 11:30–12:00, Ezra Dulberg · Associate Director · BDO UK · UK
From compliance cost to competitive advantage: trusted organisational identity — 12:00–12:30, Alexandre Kech · Executive · GLEIF · Germany
From compliance cost to competitive advantage · in practice — 12:30–13:00, Ines Gensinger · Head of Global Corporate Communications · GLEIF · Germany
Case study: DLT and its influence on payments and bank operating models — 12:30–13:00, Ishtiaq Ahmed · Senior Manager, Strategic Revenue Development · HSBC · UK
Networking lunch Identity, fraud and cyber specialists. Discussion on bank readiness for wallets, passkeys and cyber resilience. — 13:00–14:00,
Afternoon panel: DORA, AMLA & the future of digital trust Multi-bank panel on regulatory readiness, fraud accountability and DLT trust frameworks. — 14:00–15:00,
Networking reception Day 2 closes. — 15:00–15:30,
25 November 2026 — Payments & Digital Assets
Chairperson opening — 08:45–09:00,
Instant payments and interoperability — 09:00–09:30, Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
The new payments landscape · instant, interoperable, invisible and built on trust — 09:00–09:30, Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
Digital wallets and biometric payments · customer experience and secure authentication — 09:30–10:00, Mihai Draghici · Founder & CEO · PayByFace · Romania
Moving Money — how banks think · the new role of the Chief Payment Officer — 10:00–10:30, Viktoria Soltesz · Founder · PSP Angels · Cyprus
Open Finance and financial-institution growth · emerging markets, innovation and scale — 10:30–11:00, Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia
Case study: Open Finance · practical lessons and implementation insights — 10:30–11:00, Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey
Networking break Peer exchange on instant payments, wallets and Open Finance. — 11:00–11:30,
Open Finance strategy · data access and commercial ecosystem design — 11:30–12:00, JP Fabri · Founding Partner · Seed · Malta
Corporate payment business: PSD3 · instant payments and fraud accountability — 12:00–12:30, Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany
A2A payments and European scale · growth, adoption and cross-border reach — 12:00–12:30, Arash Marandi · Business and Operations · Zaver · Sweden
Future of digital wallets · bank readiness and customer expectations — 12:15–12:45, Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey
Digital wallets · product design, use cases and ecosystem integration — 12:15–12:45, Yodaly Sierra · Founder & CEO · Eco2wallet · UK
Networking lunch Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization. — 13:00–14:00,
Wallet risk, payment controls and customer trust at scale — 13:45–14:15, Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus
Future payments landscape · European finance — market outlook and ecosystem implications — 13:45–14:15, Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK
Case study: Future payments landscape · regional insights and commercial adoption — 14:45–15:15, Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia
26 November 2026 — Customer Growth & Platform Banking
Chairperson opening Frame the day around customer growth and platform scale. Set priorities for retail, digital and transformation leaders. — 08:45–09:00,
Human-AI banking experience — 09:00–09:30, Rudolf Stefanich · Lead UX Researcher · Bitpanda · Austria
AI-augmented service and product-led banking at scale — 09:00–09:30, Speaker TBC
Present and Future of Digital Transformation in Islamic Banking — 09:30–10:00, Wan Halim · Head of Shariah Governance (Global) · Crédit Agricole CIB · UAE
Omnichannel banking leadership and customer growth in Czech and regional banking — 09:30–10:00, Tomas Reytt · Chief Sales Officer · mBank CZ · Czech Republic
Lithuanian credit union model: data analysis plus human touch in lending — 10:00–10:30, Mantas Janavicius · Member of the Management Board · Investuotoju asociacija · Lithuania
No-touch banking and mesh-up finance for non-financial customer pools — 10:00–10:30, Wolfgang Strobel · Managing Director · Investigence GmbH · Germany
Networking break Peer exchange on customer experience, branch transformation and AI service. — 10:30–11:00,
Micro-SME growth, digital SME banking and financial inclusion — 11:00–11:30, Mohammad Jakirul Islam · EVP, Head of Strategy, Innovation and New Business · BRAC Bank · Bangladesh
Micro-SME banking growth and digital onboarding for entrepreneurs — 11:00–11:30, Istvan Fetter · Head of Small Business Segment Management · CIB Bank · Hungary
Impact investing, sustainable finance and customer value in the next banking cycle — 11:30–12:00, Caroline Philippe · Senior Investment Manager — Stellar Impact · BNP Paribas · Belgium
The AI-Native Bank: Building Intelligent Financial Ecosystems for the Age of AI Agents — 11:30–12:00, Itir Aydogan · Ecosystem Banking and Innovation Director · Yapı Kredi · Turkey
Case study: Open Banking 2.0 and SME digital transformation through Z-Transformation — 12:00–12:30, Ender Aydin · Digital Solutions Manager · Ziraat Bankası · Turkey
How European banks are retooling for platform scale — 12:00–12:30, Margus Simson · Chief Digital Officer · Komerční banka · Czechia
Networking lunch Focused on customer growth and platform transformation. Meetings with retail, SME and digital banking leaders. — 13:00–14:00,
Credit risk management and stress testing in an era of trade wars · the AI solution — 13:45–14:15, Ramesh Gopal · Chief Risk Officer UAE & Saudi · Deutsche Bank · UAE
Case study: AI in compliance, AI governance and Digital Fraud — 14:15–14:45, Stefan Moser · Head Group Compliance & Operational Risk · VP Bank AG · Austria
Case study: Agile banking transformation — 14:15–14:45, Davor Gašparac · Senior Program Manager, BA Chapter Lead & Agile Coach · Erste Digital · Austria
Case study: Platform-scale banking — 14:45–15:15, Fabio Turel · Information Technology Strategy Manager · Generali · Switzerland
Customer growth meetings and platform demos — 14:45–15:15,
27 November 2026 — Future-Proofing Banking 2027–2030
Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making. — 08:45–09:00,
Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities — 09:00–09:30, Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden
Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk — 09:00–09:30, Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France
Systemic threats and stress testing · post-quantum readiness — 09:30–10:00, Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany
Payment systems regulation, consumer protection and future payment rails — 09:30–10:00, Jayne Godfrey · Payment Systems Regulator · UK
2027 regulatory radar: AML, supervisory readiness, governance and EU regulatory developments — 10:00–10:30, Xenia Neofytou · Managing Director · CX Financia · Cyprus
Networking break Peer exchange on systemic risk, quantum readiness and regulation. — 10:30–11:00,
Case study: AMLR/AMLA transition and changing supervisory expectations — 11:00–11:30, Speaker TBC
Moving Money · payment education and market adoption in the next payments cycle — 11:30–12:00, Manuela Zuluaga · Marketing & Digital Specialist · The Soltesz Institute · Italy
Evolution of regulatory framework in the digital asset industry: VASPs, crypto AML and cross-border risk — 12:00–12:30, Jese Medina Gutierrez · CDD Onboarding Manager · Tether.to · Spain
Open finance, AI transformation and digital assets · tech radar — 12:00–12:30, Tanja Imamovic · Digital Transformation & Technology Strategist · Raiffeisen Bank International · Austria
Networking lunch Regulatory, risk and technology leaders. Discussion on digital euro, AMLA and cyber resilience. — 12:30–13:30,
Future payments and cards: real-time access, transaction handling and service design — 13:30–14:00, Michał Niwiński · Co-founder and CTO · SoftwarePlant · Poland
Payment innovation through an investment and market-readiness lens — 13:30–14:00, Stefano Sciacca · Managing Director · Aluna Partners · UK
Afternoon panel: AMLA transition, AI compliance, wallets, risk, payments and tokenization Stefan Moser (VP Bank AG) · Vaida Saltenyte (CXM). — 14:00–14:45,
Closing plenary: Future-proofing European banking Strategic synthesis of the week's key themes and priorities for European banking 2027–2030. — 14:45–15:15,
Farewell coffee Final delegate conversations and speaker follow-up meetings. — 15:15–15:45,
€2,999 — full summit access, 23–27 November 2026, at
Holiday Inn Amsterdam — Arena Towers, Hoogoorddreef 66a, 1101 BE Amsterdam, Netherlands. Registration desk: Ground floor lobby, signposted on arrival. Step-free access; accessible WCs on every floor
Five-day online · standard
€2,390 — virtual delegate access to the same
5 days on Central European Time (CET), with live stream and recordings as described by the
organiser.
Observed on the live /register page 2026-09-07. Always link to the official register page; never take payment.
What the final day is looking at
The organiser describes day five, 27 November 2026, as “Future-Proofing Banking 2027–2030”: Post-quantum readiness, sovereign AI, and the technologies shaping banking to 2030. That
is the whole of the published forward-looking claim — no forecast, projection or
market view is added on this page.
Chairperson opening Frame the final day around 2027–2030 strategic priorities. Link systemic risk, regulation, technology and board decision-making. — 08:45–09:00,
Systemic Risk in European Banking 2027–2030: Geopolitics, AI and Structural Vulnerabilities — 09:00–09:30, Ulf Holmberg · Functional Lead and Senior Analyst · Swedbank · Sweden
Preparing banks for systemic threats: cyber, geopolitical disruption and operational concentration risk — 09:00–09:30, Naji Freiha · Risk Appetite, Strategy and Governance · Konsilium · France
Systemic threats and stress testing · post-quantum readiness — 09:30–10:00, Christoffer Kok · Head of Division, Stress Test Experts · European Central Bank · Germany
Payment systems regulation, consumer protection and future payment rails — 09:30–10:00, Jayne Godfrey · Payment Systems Regulator · UK
2027 regulatory radar: AML, supervisory readiness, governance and EU regulatory developments — 10:00–10:30, Xenia Neofytou · Managing Director · CX Financia · Cyprus
Networking break Peer exchange on systemic risk, quantum readiness and regulation. — 10:30–11:00,
Case study: AMLR/AMLA transition and changing supervisory expectations — 11:00–11:30, Speaker TBC
Moving Money · payment education and market adoption in the next payments cycle — 11:30–12:00, Manuela Zuluaga · Marketing & Digital Specialist · The Soltesz Institute · Italy
Evolution of regulatory framework in the digital asset industry: VASPs, crypto AML and cross-border risk — 12:00–12:30, Jese Medina Gutierrez · CDD Onboarding Manager · Tether.to · Spain
Open finance, AI transformation and digital assets · tech radar — 12:00–12:30, Tanja Imamovic · Digital Transformation & Technology Strategist · Raiffeisen Bank International · Austria
Networking lunch Regulatory, risk and technology leaders. Discussion on digital euro, AMLA and cyber resilience. — 12:30–13:30,
Future payments and cards: real-time access, transaction handling and service design — 13:30–14:00, Michał Niwiński · Co-founder and CTO · SoftwarePlant · Poland
Payment innovation through an investment and market-readiness lens — 13:30–14:00, Stefano Sciacca · Managing Director · Aluna Partners · UK
Afternoon panel: AMLA transition, AI compliance, wallets, risk, payments and tokenization Stefan Moser (VP Bank AG) · Vaida Saltenyte (CXM). — 14:00–14:45,
Closing plenary: Future-proofing European banking Strategic synthesis of the week's key themes and priorities for European banking 2027–2030. — 14:45–15:15,
Farewell coffee Final delegate conversations and speaker follow-up meetings. — 15:15–15:45,
Venue and source imagery
Venue
Holiday Inn Amsterdam — Arena Towers
Address
Hoogoorddreef 66a, 1101 BE Amsterdam, Netherlands
Station
Bijlmer ArenA · 4-min walk
From Schiphol
Train Schiphol → Bijlmer ArenA, approx. 15 min
Parking
P1 ArenA · paid, on-site
Accessibility
Step-free access; accessible WCs on every floor
Time zone
Central European Time (CET)
Illustrated orientation map of central Amsterdam published by the organiser. It shows the city centre, not the summit venue, which is in Bijlmer ArenA to the south-east. Official travel page.
Organisations represented in the programme
62 organisations employ someone on the published roster. Shown
as employers only — not sponsors, partners or endorsers.
AIC4NL
Ameriabank
BetterUp
Bitpanda
BNP Paribas
BRAC Bank
CIB Bank
Citi
Credit Agricole CIB
DenizBank
Deutsche Bank
DZ BANK
Erste Digital
European Central Bank
Fifth Third Bank
Garanti BBVA
Generali
Intesa Sanpaolo
Questions and organiser
Do the ellipses hide any content?
No. Every theme is an ordinary link, all labels are horizontal live text, and
the same five themes are listed directly beneath the geometry.
This page is an information page about Banking Frontier 2026. Registration, payment and all official enquiries are handled by the organiser on the official event site.
