Cindy Lo
Managing Director, Global Head of Liquidity Solutions, HSBC, UK
Liquidity in the Digital Era: Real-Time Treasury and Smarter Client Solutions
International summit · Amsterdam, Netherlands
Excellence in Digital Banking 7.0 — International Summit
Three of the published themes
- The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value
- Agentic AI, Generative AI and Responsible AI Governance
- Digital Identity, Authentication and the Future of Customer Access
About the photograph
Photographs show previous editions of the Excellence in Digital Banking International Summit. It is shown untextured and uncropped; the grain on this page is a CSS surface treatment and is never applied to a photograph.
Programme themes
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.
- The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value
- Agentic AI, Generative AI and Responsible AI Governance
- Digital Identity, Authentication and the Future of Customer Access
- Hyper-Personalised Banking and Next-Generation Customer Experience
- AI-Ready Architecture, Cloud and Composable Banking Platforms
- Open Finance, Digital Wallets and Embedded Banking
- Real-Time Payments, Liquidity and Transaction Banking
- Deepfakes, Synthetic Identity and AI-Driven Financial Crime
- Operational Resilience and Risk in Digital Transformation
- Sustainable Finance in the Digital Banking Ecosystem
Three day chapters
25–27 November 2026. Each chapter is one flat surface carrying the date, followed by a plain white reading block holding the agenda itself.
Day 1
· 10 published sessions
09:00
Re-architecting the Bank Around AI
Frans Van Bruggen · Independent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
Moving from AI pilots to enterprise-wide transformation
09:30
Building the Hybrid Banking Model: Merging Digital and Physical Touchpoints
Ronelle Arbib · Chief Operating Officer, Recognise Bank, UK
Transitioning from workflow automation to AI-driven operations
10:00
How banks can scale AI safely and govern agentic AI
Mitul Vadgama · Advanced Analytics and AI Lead - Artificial Intelligence CoE, Lloyds Banking Group, UK
Scaling AI beyond pilots
11:00
The Future Operating Model of a Digital Bank
Joris Krijger · AI Governance Officer, ASN Bank, Netherlands
Moving from product-centric to customer-centric structures
11:30
Ambition to Architecture, what vision really demands
Ashtha Bajaj · Data, Analytics & AI Leader, Bank of Ireland, UK
Ambition creates direction, but architecture determines whether transformation can scale securely, sustainably, and at speed.
12:00
Unlocking the Business Potential of Generative AI in Banking
Jules Ferdinand Pagna Disso · Head of Cyber Risk Intelligence, Insider Technology Risk and Digital Asset Risk, BNP Paribas, UK
Advancing beyond basic AI tools toward high-impact business applications
13:30
Generative AI in Banking: From Experiments to Core Business Value
Jan Sedlařík · Hybrid AI Product Owner for Realization squad, AI upskilling and Internal delivery teams, Česká Sporitelna, Czechia
Moving beyond chatbots toward strategic applications
14:30
From AI Hype to Real Control: Safe Legacy Evolution
Ohad Kotler · CEO & Co-Founder, Tweezr
Combining deterministic system intelligence with AI
15:30
Digitizing Wholesale Banking: Smarter Client and Service Models
Ellen Van Acker · COO Wholesale Banking Client & Digital Services, ING, Netherlands
Transforming wholesale banking through digital client journeys
16:00
AI Model Risk in Banking: Governing GenAI and Agentic AI at Scale
Anish Shah · Director - Model Risk, Internal Audit, NatWest, UK
Managing AI risk across credit, fraud, pricing and customer decisions
Day 2
· 12 published sessions
09:00
Hyper-Personalized Banking Experiences
Romano Ramanti · Vice Director, Zürcher Kantonalbank, Switzerland
Leveraging AI to anticipate customer needs
10:00
Designing Banking Experiences for the Digital Generation
Ed Vinicombe · Director of Product Design, JP Morgan Chase, UK
Designing simple, intuitive, and trusted digital banking experiences
11:00
Eliminating Friction: The Future of Authentication
Haitham Aboulfotoh Rashwan · Head of Digital Banking & Alternative Channels, Emirates NBD, Egypt
Moving beyond passwords toward biometric authentication
11:30
New Approach to Design CX: Kuveyt Turk's Neuromarketing Lab
Okan Acar · EVP, Digital Banking and Payment Systems, Kuveyt Türk Katılım Bankasi, Turkey
Using EEG and eye-tracking to understand customer responses
12:00
The Future of Customer Verification
Shamsh Hoda · AI & Digital Innovation Strategist, Commerzbank, Germany
Moving from one-time verification to continuous identity assurance
13:30
Who will own Digital Identity?
Sara Ehab Azmi · Head of Change & Project Management, Emirates NBD, Egypt
Positioning banks alongside governments and technology platforms
14:00
Digital Identity as the New Banking Infrastructure
Melvin Pellicano · Head of Digital Transformation and Product Development Department, BNF Bank, Malta
Positioning banks as trusted identity providers
14:30
Building Trust and Customer Confidence in Digital Banking
Lucy Cafferkey · Head of Media Relations, Starling Bank, UK
Communicating innovation clearly in a fast-changing banking environment
15:30
Digital Wallets and Payments: Creating Daily Customer Engagement
Sadık Baş · Executive Vice President, Marketing Portfolio Management & Digital Products, Garanti BBVA Payment Systems, Turkey
Turning digital wallets into everyday customer touchpoints
16:00
Digital Banking for SMEs: From Online Services to Intelligent Business Partners
Olli Anteroinen · Head of SME Digital - Business Banking, Nordea, Finland
Redesigning digital banking around SME needs
16:30
Embedded Banking, Payments and Consumer Lending: The New Growth Engine
Kartik Taneja · Executive Vice President, Head of Payments & Consumer Lending, Mashreq Bank, Dubai
Embedding banking services into customer journeys and partner platforms
17:00
Panel Discussion: What is the future of Banking in 2030?
Swagatam Sen · Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
Exploring how banks will compete, collaborate and innovate in the next era of financial services.
Day 3
· 11 published sessions
09:00
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
Claudio Balbo · Senior Director - Head of IT Architecture, Intesa Sanpaolo, Italy
Designing AI-ready banking architecture
09:30
Managing Change Risk in an Age of Uncertainty
Edgars Sedovs · Head of Risk, Rietumu Banka, Latvia
Risk in digital transformation
10:00
Supervising the Intelligent Bank: Trust, Resilience and AI in Next-Generation Banking
Nina Schweighofer · JST Coordinator / Head of Section, European Central Bank, Germany
Understanding how European supervisors assess AI-driven business models, governance and digital transformation
11:00
Open Finance, Digital Wallets and Embedded Banking: The Next Growth Model for Banks
Gaurab Arka Chaudhuri · Director of Group Strategy, Barclays, UK
Open finance beyond open banking
11:30
The Reinvention of Mobile Banking Platforms
Igoris Ryklys · Lead of Digital Channels, Swedbank Baltics, Lithuania
Moving from transactional apps to financial life platforms
12:00
The Strategic Role of the Bank in a Platform Economy
Swagatam Sen · Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
Competing with technology platforms for customer attention
13:30
Designing the Bank of the Digital Generation
David Bonavia · Lead Operational Risk Framework Manager, Metro Bank, UK
Understanding evolving expectations of digital-native customers
14:00
Sustainable Finance in the Digital Banking Ecosystem
Dominique Tremblay · Head of Enterprise Sustainability, BNY
Embedding sustainability into digital banking strategy and product design
14:30
Liquidity in the Digital Era: Real-Time Treasury and Smarter Client Solutions
Cindy Lo · Managing Director, Global Head of Liquidity Solutions, HSBC, UK
How real-time payments are changing liquidity expectations
15:30
The Future of Transaction Banking in a Platform-Based Economy
Ekaterina Kozhevatova · Director, Commerzbank AG, Germany
How transaction banking is evolving through platforms and ecosystems
16:10
Panel Discussion: Deepfakes, Synthetic Identity and AI-Driven Fraud: The Next Frontier of Financial Crime
Lucy Cafferkey · Head of Media Relations, Starling Bank, UK
Exploring how deepfakes, synthetic identity and AI-driven fraud are reshaping financial crime, and how banks can defend against the next frontier of threats.
Speakers
Plain white, no surface treatment: six of the 31 confirmed speakers with their exact published role and session.
Claudio Balbo
Senior Director - Head of IT Architecture, Intesa Sanpaolo, Italy
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
David Bonavia
Lead Operational Risk Framework Manager, Metro Bank, UK
Designing the Bank of the Digital Generation
Dominique Tremblay
Head of Enterprise Sustainability, BNY
Sustainable Finance in the Digital Banking Ecosystem
Ed Vinicombe
Director of Product Design, JP Morgan Chase, UK
Designing Banking Experiences for the Digital Generation
Edgars Sedovs
Head of Risk, Rietumu Banka, Latvia
Managing Change Risk in an Age of Uncertainty
Attendance
In-person & online passes available. The summit runs in Amsterdam on 25–27 November 2026, with an online route published by the organiser.
Pass types, prices and terms are published only by PulseCore Events s.r.o..
Gallery
Photographs show previous editions of the Excellence in Digital Banking International 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!
I had a great time in Amsterdam last week attending the Excellence in Digital Banking event hosted by Pulsecore. Over 350 delegates from Financial Institutions participated at the event. Here are my three key takeaways: 1. Digitalization of financial services is now the norm, how you deploy differs, based on demography, culture, and other factors. 2. Customers will use digital channels as long as they are convenient and reliable. 3. Security and trust are required in building successful digital products. It was inspiring to see what other organizations like Stirling Bank, Salt Bank, and Alpian are doing in their Markets. This was an event worth attending! hashtag#digitalbanking hashtag#finance hashtag#excellence hashtag#Pulsecore hashtag#PulseCore Events
It was great attending the Excellence in Digital Banking Summit last week in Amsterdam. Thank you, PulseCore Events, for inviting me to speak at the event. I truly enjoyed discussing and sharing our insights with the other speakers and the audience. It was an outstanding event, covering important topics and sharing experiences from around the world. #DigitalBankingsummit#BankingInnovation hashtag#DigitalTransformation hashtag#DigitalChannels
Amsterdam, Netherlands
The summit takes place in Amsterdam on 25–27 November 2026. The venue address and travel guidance are published by PulseCore Events s.r.o..
- Dates
- 25–27 November 2026
- City
- Amsterdam
- Country
- Netherlands
- Sessions
- 33
Sponsors
The confirmed sponsor and exhibitor list is published by PulseCore Events s.r.o.. No partner mark is reproduced here.
Questions
When and where is the summit?
25–27 November 2026, Amsterdam, Netherlands.
Is online attendance offered?
In-person & online passes available.
How many sessions are published?
33 across 3 days.
Is the grain applied to the photographs?
No. The grain is a CSS surface treatment on the coloured blocks only. Every photograph is shown in natural colour with no filter.
Are the photographs from 2026?
Photographs show previous editions of the Excellence in Digital Banking International Summit.
PulseCore Events s.r.o.
Prague, Czech Republic
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.