Excellence in Digital Banking 7.0 – International Summit will take place in Amsterdam from 25–27 November 2026. The three-day summit will bring together senior banking leaders, regulators, technology experts and innovators to explore how artificial intelligence, digital identity, next-generation architecture, open finance, payments and platform banking are reshaping the financial industry. Participants can join the summit in person in Amsterdam or remotely through the online participation option.
This page is set out as an order paper. Motions II to XI are the 10 themes published for this edition. The speeches listed beneath each motion are sessions from the published programme, grouped here by what their published titles address; the organiser publishes themes and sessions as separate lists and publishes no mapping between them. The complete, unaltered running order is printed under The three sittings.
Motions before the House
Motion II
The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value
Speeches on this motion — 4
Re-architecting the Bank Around AI
Frans Van BruggenSitting the First
Moving from AI pilots to enterprise-wide transformation
Embedding AI into strategic decision-making at board level
Aligning data, talent and technology for AI-driven banking
Redefining leadership in an AI-native financial institution
The Future Operating Model of a Digital Bank
Joris KrijgerSitting the First
Moving from product-centric to customer-centric structures
Aligning technology, business and operations leadership
Creating faster decision cycles in complex organizations
Panel Discussion: What is the future of Banking in 2030?
Swagatam SenSitting the Second
Exploring how banks will compete, collaborate and innovate in the next era of financial services.
Supervising the Intelligent Bank: Trust, Resilience and AI in Next-Generation Banking
Nina SchweighoferSitting the Third
Understanding how European supervisors assess AI-driven business models, governance and digital transformation
Translating regulatory expectations — SSM priorities, DORA and the AI Act — into practical design choices for the intelligent bank
Building board-level accountability and meaningful human oversight as AI enters core decision chains
Managing the resilience challenge: cloud concentration, third-party AI models and legacy evolution
Motion III
Agentic AI, Generative AI and Responsible AI Governance
Speeches on this motion — 5
How banks can scale AI safely and govern agentic AI
Mitul VadgamaSitting the First
Scaling AI beyond pilots
Agentic AI use cases in banking
Governance, controls, and oversight
Trust, compliance, and resilience
Unlocking the Business Potential of Generative AI in Banking
Jules Ferdinand Pagna DissoSitting the First
Advancing beyond basic AI tools toward high-impact business applications
Enhancing financial advisory services and operational decision-making with generative AI
Ensuring secure and responsible AI adoption across the organization
Evaluating performance, efficiency, and long-term return on AI investments
Generative AI in Banking: From Experiments to Core Business Value
Designing invisible authentication across channels
Balancing convenience and security in digital access
The Future of Customer Verification
Shamsh HodaSitting the Second
Moving from one-time verification to continuous identity assurance
Integrating behavioral and contextual identity signals
Simplifying verification for repeat interactions
Who will own Digital Identity?
Sara Ehab AzmiSitting the Second
Positioning banks alongside governments and technology platforms
Exploring digital identity wallets and interoperable frameworks
Using identity to reshape customer relationships and services
Digital Identity as the New Banking Infrastructure
Melvin PellicanoSitting the Second
Positioning banks as trusted identity providers
Integrating national digital identity frameworks
Building cross-border digital identity capabilities
Motion V
Hyper-Personalised Banking and Next-Generation Customer Experience
Speeches on this motion — 5
Building the Hybrid Banking Model: Merging Digital and Physical Touchpoints
Ronelle ArbibSitting the First
Transitioning from workflow automation to AI-driven operations
Rethinking operational structures and digital workforces
Integrating AI agents across banking services
Measuring productivity gains and operational transformation
Hyper-Personalized Banking Experiences
Romano RamantiSitting the Second
Leveraging AI to anticipate customer needs
Delivering contextual financial guidance in real time
Moving from reactive service to proactive engagement
Designing Banking Experiences for the Digital Generation
Ed VinicombeSitting the Second
Designing simple, intuitive, and trusted digital banking experiences
Understanding the expectations of mobile-first and digital-native customers
Turning product design into a competitive advantage for banks
New Approach to Design CX: Kuveyt Turk's Neuromarketing Lab
Okan AcarSitting the Second
Using EEG and eye-tracking to understand customer responses
Measuring subconscious reactions across digital and physical touchpoints
Turning emotional engagement into better customer experience
Designing the Bank of the Digital Generation
David BonaviaSitting the Third
Understanding evolving expectations of digital-native customers
Building intuitive banking experiences for mobile-first users
Simplifying financial services through better design
Creating long-term relationships with younger customers
Motion VI
AI-Ready Architecture, Cloud and Composable Banking Platforms
Speeches on this motion — 4
Ambition to Architecture, what vision really demands
Ashtha BajajSitting the First
Ambition creates direction, but architecture determines whether transformation can scale securely, sustainably, and at speed.
Vision in banking demands more than innovation, it requires resilient data, technology, governance, and operating models working as one ecosystem.
The institutions that win will be those that simplify complexity, build adaptable platforms, and turn strategy into repeatable execution.
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
Claudio BalboSitting the Third
Designing AI-ready banking architecture
Modernizing legacy cores without disruption
Cloud, APIs, and composable platforms
Resilience, security, and DORA compliance
The Reinvention of Mobile Banking Platforms
Igoris RyklysSitting the Third
Moving from transactional apps to financial life platforms
Integrating payments, investments and lifestyle services
Designing apps that become daily financial companions
Building engagement beyond transactions
The Strategic Role of the Bank in a Platform Economy
Swagatam SenSitting the Third
Competing with technology platforms for customer attention
Leveraging trust and financial expertise as differentiators
Building partnerships without losing strategic control
Defining the future role of banks in digital ecosystems
Motion VII
Open Finance, Digital Wallets and Embedded Banking
Speeches on this motion — 4
Digital Wallets and Payments: Creating Daily Customer Engagement
Sadık BaşSitting the Second
Turning digital wallets into everyday customer touchpoints
Driving loyalty through payments, rewards, and personalized digital services
Competing in a fast-growing payments and wallet ecosystem
Digital Banking for SMEs: From Online Services to Intelligent Business Partners
Olli AnteroinenSitting the Second
Redesigning digital banking around SME needs
Using data and AI for proactive financial guidance
Helping SMEs save time and grow faster
Embedded Banking, Payments and Consumer Lending: The New Growth Engine
Kartik TanejaSitting the Second
Embedding banking services into customer journeys and partner platforms
Connecting payments and lending to create seamless experiences
Scaling growth models through ecosystems and partnerships
Open Finance, Digital Wallets and Embedded Banking: The Next Growth Model for Banks
Gaurab Arka ChaudhuriSitting the Third
Open finance beyond open banking
Digital wallets as new customer gateways
Embedded banking and platform growth
Competing in the future financial ecosystem
Photograph from a previous edition of Excellence in Digital Banking
Motion VIII
Real-Time Payments, Liquidity and Transaction Banking
Speeches on this motion — 3
Digitizing Wholesale Banking: Smarter Client and Service Models
Ellen Van AckerSitting the First
Transforming wholesale banking through digital client journeys
Improving efficiency with data-driven service models
Balancing automation, personalization and relationship banking
Liquidity in the Digital Era: Real-Time Treasury and Smarter Client Solutions
Cindy LoSitting the Third
How real-time payments are changing liquidity expectations
Building smarter treasury solutions for corporate and institutional clients
Using data and digital platforms to improve cash visibility and control
The Future of Transaction Banking in a Platform-Based Economy
Ekaterina KozhevatovaSitting the Third
How transaction banking is evolving through platforms and ecosystems
Strengthening client relationships through integrated digital services
Combining payments, trade finance, and data-driven solutions
Motion IX
Deepfakes, Synthetic Identity and AI-Driven Financial Crime
Speeches on this motion — 1
Panel Discussion: Deepfakes, Synthetic Identity and AI-Driven Fraud: The Next Frontier of Financial Crime
Lucy CafferkeySitting the Third
Exploring how deepfakes, synthetic identity and AI-driven fraud are reshaping financial crime, and how banks can defend against the next frontier of threats.
Motion X
Operational Resilience and Risk in Digital Transformation
Speeches on this motion — 2
Building Trust and Customer Confidence in Digital Banking
Lucy CafferkeySitting the Second
Communicating innovation clearly in a fast-changing banking environment
Building customer trust through transparency, security, and simplicity
Managing Change Risk in an Age of Uncertainty
Edgars SedovsSitting the Third
Risk in digital transformation
Managing AI, cloud, and platform change
Operational resilience in fast-moving banking
Balancing innovation, control, and trust
Photograph from a previous edition of Excellence in Digital Banking
Motion XI
Sustainable Finance in the Digital Banking Ecosystem
Speeches on this motion — 1
Sustainable Finance in the Digital Banking Ecosystem
Dominique TremblaySitting the Third
Embedding sustainability into digital banking strategy and product design
Using data and technology to support ESG transparency and reporting
Connecting sustainability, innovation, and long-term business value
Speakers called
All 31 confirmed speakers, called in the sitting the published programme places them in. Affiliations are reproduced exactly as the organiser publishes them. No portraits are shown on this page.
Sitting the First25 November 2026
Anish ShahNatWest, UKDirector - Model Risk, Internal Audit, NatWest, UK
Ashtha BajajBank of Ireland, UKData, Analytics & AI Leader, Bank of Ireland, UK
Ellen Van AckerING, NetherlandsCOO Wholesale Banking Client & Digital Services, ING, Netherlands
Frans Van BruggenIndependentIndependent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
Jan SedlaříkČeská Sporitelna, CzechiaHybrid AI Product Owner for Realization squad, AI upskilling and Internal delivery teams, Česká Sporitelna, Czechia
Joris KrijgerASN Bank, NetherlandsAI Governance Officer, ASN Bank, Netherlands
Jules Ferdinand Pagna DissoBNP Paribas, UKHead of Cyber Risk Intelligence, Insider Technology Risk and Digital Asset Risk, BNP Paribas, UK
Mitul VadgamaLloyds Banking Group, UKAdvanced Analytics and AI Lead - Artificial Intelligence CoE, Lloyds Banking Group, UK
Ohad KotlerTweezrCEO & Co-Founder, Tweezr
Ronelle ArbibRecognise Bank, UKChief Operating Officer, Recognise Bank, UK
Sitting the Second26 November 2026
Ed VinicombeJP Morgan Chase, UKDirector of Product Design, JP Morgan Chase, UK
Haitham Aboulfotoh RashwanEmirates NBD, EgyptHead of Digital Banking & Alternative Channels, Emirates NBD, Egypt
Kartik TanejaMashreq Bank, DubaiExecutive Vice President, Head of Payments & Consumer Lending, Mashreq Bank, Dubai
Lucy CafferkeyStarling Bank, UKHead of Media Relations, Starling Bank, UK
Melvin PellicanoBNF Bank, MaltaHead of Digital Transformation and Product Development Department, BNF Bank, Malta
Okan AcarKuveyt Türk Katılım Bankasi, TurkeyEVP, Digital Banking and Payment Systems, Kuveyt Türk Katılım Bankasi, Turkey
Olli AnteroinenNordea, FinlandHead of SME Digital - Business Banking, Nordea, Finland
Romano RamantiZürcher Kantonalbank, SwitzerlandVice Director, Zürcher Kantonalbank, Switzerland
In-person & online passes available. Terms of admission exactly as published by PulseCore Events s.r.o. Registration and payment are completed on the official
PulseCore Events website. No payment is taken on this page.
Terms of admission — passes, prices and what each confers
PulseCore Events is one of Europe’s leading strategic event-organization companies, with our headquarters based in Prague, Czech Republic. PulseCore Events creates an atmosphere where the world’s top executives have a chance to exchange strategic ideas and develop new contacts within their industry sector. We guarantee the seniority of speakers and delegates, as we are focused on creating premiere conferences and summits. PulseCore Conferences are designed to allow delegates to keep up-to-date with the cutting edge of their industry sector. PulseCore Conferences and Events provide an intimate, interactive forum in which you learn about the latest techniques and developments in an inspiring environment on a senior level. We will be organizing round table discussions where you can have access to the audience, discuss the main challenges and find out about how different organizations approach them. We have built PulseCore Events around our core values; experience, flexibility, imagination, and passion.Our promise is to bring all our energy, expertise and focus on creating networking, benchmarking opportunities for our executive clients. We bring a valuable insight into current best practice, offering ideas and thought leadership for dealing with forthcoming business challenges.
Spoken of a previous sitting
Unedited comments from people who attended and presented at an earlier Excellence in Digital Banking summit.
It was an absolute honour to attend, present, and chair the first two days of PulseCore Events, Excellence in Digital Banking 2024 International Summit in Amsterdam. I enjoyed sharing insights on Oxford Risk and behavioural finance and moderating a panel on the future of digital onboarding. A special thanks to the event organisers and the other speakers I had the pleasure of introducing.
Had a fantastic time at the Excellence in Digital Banking event held from May 13-16 in Amsterdam, where I had the opportunity to share and exchange ideas with incredible professionals from around the world. In my keynote, I emphasized the importance of maintaining the "human" element in our digital transformations to avoid commoditization. Ultimately, it's the human connection through the customer's transformative journey that provides the most competitive advantage and is hardest to replicate. The diverse perspectives and innovative practices shared were truly eye-opening. Highlights included discussions on the increasing importance of cybersecurity amidst rapid technological advancements and its impact on customers, innovative AI solutions in unsecured lending, excellence in digital onboarding, the significance of building impactful partnerships and the strategic decisions around what a bank should develop internally versus through partnerships. A heartfelt thanks to PulseCore Events for bringing together such a diverse and knowledgeable set of speakers and to all participants for sharing their own journeys. Looking forward to applying these insights in my work!
