From Digital to Autonomous Finance

Better experiences. Smarter decisions. Real value.

Dates

24–25 November 2026

Venue

InterContinental Athénée Palace Bucharest

Banking & Fintech Leadership Event

From Digital to Autonomous Finance

Better experiences. Smarter decisions. Real value.

Dates

24–25 November 2026

Venue

InterContinental Athénée Palace Bucharest

Trusted by leading banks, fintechs, and innovators

EARLY BIRD
Get your Early Bird Ticket — save now for Banking 4.0
Save Your Seat
25–27 November 2025 • Hotel International Sinaia
At a Glance
350+
attendees
30+
international speakers
20+
countries represented
10+
industries
20+
interactive sessions
About Banking 4.0

The shift from automation to autonomy in banking: redefining financial services in the age of AI, Open Finance & Digital Assets

Banking 4.0 explores how AI, blockchain, and open finance are reshaping the core layers of modern financial services:

4.0
Workflow Layer

autonomous financial operations

Payment Layer

embedded and invisible payments

Decision Layer

intelligent risk and underwriting

Infrastructure Layer

programmable financial infrastructure

Elements of the new paradigm

Three structural shifts define the move from digital banking to intelligent, autonomous financial systems.

01
AI Systems

AI systems don’t just assist — they act

For over a decade, the financial industry has talked about digital transformation.

But while most banks were digitizing old systems, a new revolution quietly began — one driven by autonomous, reasoning AI agents capable of transforming how institutions think, act, and collaborate.

AI and intelligent systems are transforming decision-making, client engagement, and the very fabric of modern banking. Agentic systems are no longer just tools, but teammates that think, decide, and create value alongside humans.

But capturing real value will require leaders to move beyond pilots and rewire how work, decisions, and delivery happen from end to end.

How can we build AI-native institutions designed for trust, speed, and intelligence at scale? What happens when finance stops being operated — and starts operating itself?
02
Infrastructure

Infrastructure becomes programmable and real-time

For decades, banking infrastructure was built around batch processes, fixed operating hours, and manual controls.

Today, APIs, cloud-native architectures, real-time payment rails, AI, and programmable money are transforming infrastructure into an intelligent, always-on platform.

The winners of the next decade will not be those with the biggest balance sheets, but those with the most programmable, connected, and responsive infrastructure — capable of moving money, data, decisions, and compliance in real time.

03
Ecosystems

Ecosystems replace institutions as the primary unit of value creation

This is one of the most powerful Banking 4.0 themes because it captures the shift from institution-centric banking to network-centric value creation.

For more than a century, banks competed as institutions. In the next decade, they will compete as participants in ecosystems.

Customers no longer seek products from individual providers; they seek outcomes delivered through networks of partners. The strategic question is no longer “How do we build everything ourselves?” but “What role will we play in the ecosystem that creates the most value?”

Why Banking 4.0?

More than a conference — a catalyst for connections, insights, and growth.
🔹 High-Level Networking
Meet the decision-makers who shape the future of banking and fintech. Over 50% of attendees are C-level executives, founders, and senior innovators.
• Network with like-minded professionals across the globe
• Collaborate with peers and connect with potential clients
• Develop a lead generation pipeline
🔹 Curated Experiences
Beyond panels — unique formats that spark meaningful connections.
• Roundtables and working groups
• Cocktail party, artistic interludes
• Expand your business in an environment designed for XXXX
🔹 Actionable Insights
Content that delivers strategies, not just inspiration.
• Digital transformation: From digital banks to AI-native banks
• Payments trends: Towards SEPA 2.0, SME-focused solutions & the future of cards
• New business models: From financial services to fully connected ecosystems
• Trust & regulation: Compliance that enables innovation, digital identity & cybersecurity
• Next-gen infrastructure: Cloud, core, quantum & DeFi
🔹 Full Ecosystem View
Go beyond banking — connect across industries.
• Fintech, telco, retail, e-commerce, payments
• Present and discover new industry innovations
• Increase your brand visibility across the ecosystem

Conference Experiences

Welcome Cocktail Party

The Banking 4.0 Train Journey

Artistic & Cultural Moments

Curated Networking Sessions

Featured Sessions

Featured Sessions — Banking 4.0
Hand-picked sessions and practical talks shaping the future of banking.
From utility to lifestyle: The future of banking as part of a lifestyle ecosystem

Embedded Finance & Invisible Banking — How to integrate banking where customers already are

AI in Banking — Challenges, opportunities & practical adoption

Confirmed Speakers

Keynote Speakers

Speakers

Moderators

Partner Benefits

Partner Benefits

Grow your business, amplify your brand, and connect with the leaders of financial innovation.

Lead Generation

Connect directly with senior decision-makers.

Generate high-quality leads from attending executives and decision makers. We match partners with curated meetings and warm introductions to buyers and procurement teams.

Brand Awareness

Position your brand at the heart of financial innovation.

Gain visibility across banks, fintechs and regulators through speaking slots, branded sessions, and targeted exposure to C-suite attendees and media partners.

Networking

Build relationships with international experts.

Engage in curated roundtables and networking sessions designed to foster partnerships and long-term collaboration across markets.

Venue

Meet in the heart of Bucharest

Banking 4.0 brings the fintech, banking and digital finance community to an iconic central venue — designed for high-level conversations, meaningful networking and a premium conference experience.

Official Conference Venue

InterContinental Athénée Palace Bucharest

A landmark hotel located in Bucharest’s cultural and business center, close to the Romanian Athenaeum, the Royal Palace and Revolution Square. The venue offers the right atmosphere for senior executives, banking leaders, fintech innovators and international guests.

Event dates

24–25 November 2026

Address

Episcopiei Street, no. 1–3, Bucharest 010292

Location

Central Bucharest, near major cultural landmarks

Experience

Premium setting for networking, panels and executive meetings

InterContinental Athénée Palace Bucharest

Episcopiei Street, no. 1–3, Bucharest, 010292, Romania

Central venue Easy access in Bucharest
Premium setting Ideal for executive guests
Historic landmark Iconic city-center hotel
Executive networking Designed for senior dialogue

Ticket sales go live starting September 23