Where: Sinaia Resort (Bucegi Mountains) – the former residence of kings
When: 22-23 November 2023

How to build the digital bank of the future?


Bucharest, Romania


23, 2023

Banking in the open era:
open banking, open finance, open AI

How to build the digital bank of the future?

Sinaia resort – Bucegi Mountains
The former residence of kings
When: 22-23 November 2023


Bucharest, Romania


23 2023

“Regulation, supervision of crypto-assets as well as stablecoins is an absolute necessity (…) MiCA will be a reality for economic players in, I hope, two years or a little less than two years.” – says Christine Lagarde, president of the European Central Bank in a monetary dialogue with Committee on Economic and Monetary Affairs (28 November 2022)

„This year, the FSB will finalise its recommendations for the regulation, supervision and oversight of crypto-assets and markets and its recommendations targeted at global stablecoin arrangements (…) many existing stablecoins would not currently meet these high-level recommendations.”wrote Financial Stability Board chair Klaas Knot in a letter to G20 finance ministers (20 February 2023).

Discover Banking 4.0 – 9th edition

For seven years now, at the Banking 4.0 international conferences we have been analyzing the impact of emerging technologies on the banking sector. We were the first to do this in Romania. Experts recognize us not only as pioneers, but also as leaders in terms of the best content (quality) on offer.

10 Key Points to attend BANKING 4.0 in 2023

Network with minded people across the globe

Keep up with the latest financial services news and FinTech trends

Present and discover new industry innovations

Develop a lead generation pipeline

Streamline your business processes

Collaborate with others and connect with potential clients

Educate your team on innovations and opportunities on

Increase your brand visibility

Expand your business

Sinaia – “The Carpathian Pearl ” – a unique mountain resort to visit

This year, in the context of the PSD 3, we are launching a new challenge to the experts:

Huge demand for open data and sharing data in the context of a new paradigm shift: who owns the customer vs who owns the data.

Why is this conversation necessary?

The biggest challenges banks are currently facing can be grouped into four: regulation, new technology, competition, and customer needs. These concerns are not new for banks.

In fact, new is that each category mentioned means something different compared to what it meant just three years ago, before the pandemic.

“Data is a crucial factor in the success of banks, rather than technology.”

Chris Skinner, one of the most influential people in technology and a best-selling author.

Why is this conversation necessary?

More than ever, new technology comes with a lot of innovation that will spread as fast as more of the global population goes online. For better online protection of consumers, 3D Secure was first introduced, then contactless technology and we finally reached tokenization.

Now the hot topic in the banking industry is AI with current use cases in risk management, fraud detection and data analysis. Also, AI can inspire loyalty through hyper-personalisation and enhanced customer experience. By democratising data more meaningful results can be extracted and better customer understanding can be integrated within operating systems. For all of this, banks need to be open to open data.

“Banking will be about experiences & personalization and AI is the key technology to unlock it. Banks that fail to become AI-First will inevitably lose to Fintechs and Big Tech competitors.”

Linas Beliunas – Country Manager Europe, and General Manager, Flutterwave

How much things are changing in the new open era? Even Moody’s will use Microsoft’s OpenAI research tool to assess risk

Our customers have to deal with a wide range of different risks it’s no longer just about credit risk, you have to understand the reputational profile of who you’re doing business with, the cyber risk, carbon transition, physical risk relating to climate change, financial
crime and sanctions.”

Rob Fauber, president and CEO of Moody’s Corporation

The cloud allows banks to create their own fintechs to be better prepared to operate
and compete in the context of a new paradigm shift in the banking space: lowest cost and highest quality.

Why is this conversation necessary?

New technology is also about continuous migration to keep up with the speed of innovation that will continue to accelerate. After the pandemic, the digital integration journey was launched.

Now the topic of infrastructure flexibility comes up again, in a different approach. Banks should see the cloud as an opportunity to experiment and play with new innovative offerings without disrupting business as usual.

Banking 4.0 - partnership fara pachete

Artificial Intelligence is an extraordinary and groundbreaking technology, and is inextricably linked with cloud-based systems. AI and the raw material that feeds it, data, will be critical to our company’s future success. We already have more than 300 AI use cases in production today.”

JPMorgan Chase & Co CEO, Jamie Di

Why is this conversation necessary?

The rapid development of digital finance resulted in fierce competition in the banking industry.

When Revolut was launched in Romania, in 2018, no one expected that five years later it would reach 3 million customers and become the second financial institution by the size of the customer portfolio. Customers, not just digital natives, have embraced the new user experience and the new services – many of which have been launched for the first time.

Starting this year, the institution offers loans and from 2024 it will also attract interest deposits from clients, acting like any other local bank. But no branches. Now, extrapolate this competition worldwide, where currently there are 276 neobanks with a billion open accounts.

How can traditional
banks compete with
Well, acting
just like them with more
flexibility, imagination,
courage and openness.
Open to what? Towards
new fintech

Perhaps the most important
change regarding customers
is the fight for the customer
In the past it
used to be exclusively
incumbents but now with
embedded finance and the
dominance of platform
models, there is a big
restructuring of the value
chain taking place.

Why is this conversation necessary?

To stay relevant, banks understood that they have to migrate from “product oriented” to “customer oriented”. In the process, banks have the opportunity to transform their relationships with customers so that they understand and serve them better. But how?

Recent banking consumer study on customer needs shows that consumers’ relationships with their banks are becoming increasingly impersonal. Most consumers use their bank’s digital channels for quick functional tasks only. This suggests that digital channels are functionally correct but emotionally devoid.

Why is this conversation necessary?

In the new open era there are two business models that are particularly relevant for banks:
– Through the Banking-as-a-Platform model banks open up to include new, innovative offerings and technologies from the outside, finding novel distribution channels but still keeping the customer relationship and commercial control

– Through the Banking-as-a-Service model banks take a back seat and make use of their infrastructure, licensing and regulatory capabilities to enable the FS offerings of partner players that control the commercial side.

“Whatever they do,
banks need to get out
of their comfort zone to
survive and that
certainly means finding
new ways of adding
value. Beyond banking
is unavoidable.”

Panagiotis Kriaris – Head Of Business Development at Unzer


Event agenda



08.45 – 09.10 – ☕ Registration & coffee


09.10 – 09.15🎩 Welcome speech from the host of the event, Ștefan Gergely


09.15 – 09.45 –  🔥 Fireside Chat

Sebastian Burduja – Minister of the MINISTRY OF RESEARCH, INNOVATION AND DIGITALIZATION is talking to Andrei Burz-Pinzaru, Partner Deloitte Legal Romania

09.45 – 10.35 –  💡 Panel 1 – Markets in Crypto Assets regulation – MiCA

“Regulation is the way to mass adoption”

Elizaveta Palaznic – independent MiCA expert

Ludmila Andreeva-Paskov – Policy Officer: Digital Finance Unit – European Commission Directorate General for Financial Stability (online)

Raluca Micu – Head of Payments Oversight Division at National Bank of Romania

ASF – Tudor Doman – Head of Strategy at Financial Supervisory Authority

Alex Stanescu – Partner at SLV Legal

Moderator: Andrei Burz Pinzaru – partner at Deloitte Legal Romania / Reff & Associates

10.35 – 11.10 –  🎙️ Keynote speech (online)

Yoav Soffer – CBDC project manager at Bank of Israel

Subject –  The Icebreaker project

The Bank for International Settlements (BIS) and the central banks of Israel, Norway and Sweden have concluded Project Icebreaker, which studied the potential benefits and challenges of using retail central bank digital currencies (CBDC) in international payments.

A collaboration between the BIS Innovation Hub Nordic Centre, Bank of Israel, Norges Bank, and Sveriges Riksbank, the project tested the technical feasibility of conducting cross-border and cross-currency transactions between different experimental retail CBDC systems.

11.10 – 12.00 –  💡 Panel 2 – the digital future of public money – CBDCs (Central Bank Digital Currencies)

Yoav Soffer – CBDC project manager at Bank of Israel (online)

Felix Crisan – Co-founder Netopia

Andrei Radulescu – Director, Macroeconomic Research (analysis and forecasting) at BT

Moderator: Nic Balaceanu – board member Rofin.Tech

12.00 – 12.20☕ Cofee Break

12.20 – 12.35 –  💬 Ioana Frincu, technology strategist

Case study  presentation – Yield agregator

12.35 – 13.20 –  💡 Panel 3 – digital identity in web 3.0

Augustin Jianu – certME, product owner

Sebastian Cochinescu – Fouder & CEO at Tailpath (online)

Nils Andersen Roed – Deputy Head of Financial Crime at Binance (online)

Andrzej Dominiak – Chief Technology Officer – Banca Transilvania

Moderator: Nic Balaceanu – Co-Founder of

13.20 – 14.20🍴 Pause / Lunch break




14.20 – 14.40 –  📁 Case study – Worldline – Entering the Metaverse: how it is shaping the future of payments.

Are you ready to explore the cutting-edge technologies that are shaping Metaverse? Even if ChatGPT and Generative AI waves submerged Metaverse hype, the techs behind Metaverse, such as Web3, Digitalized Asset, and Immersive Xperience still continue to attract and bring value in new use-cases.


14.40 – 15.00 –  🎙️ Keynote speech – Artem Fedorov – VISA

Crypto narrative in global payments Uncovering the role of crypto in global payments, touching the global & European trends, and role & vision that Visa has to play in this emerging ecosystem


15.00 – 15.20 –  🎙️ Keynote speech – Antony Welfare – CBDC Strategic Advisor at Ripple Labs

How the newly launched Ripple CBDC platform powers real world asset adoption

15.20 – 16.05 –  💡 Panel 4 – trading – What’s next for the crypto market?

Ilie Puscas – Country manager Binance Romania

Konstantinos Adamos – Lead Legal Counsel at Revolut (online)

Marius Morra – Co-founder Tokero

Mihnea Blidaru – Owner CryptoAlphas / trader

Mădălin Muraretiu – co-founder COINsiglieri

Moderator: Cornel Fratica – COO Metaventis

16.05 – 16.25☕ Cofee break

16.25 – 17.15 –  💡 Panel 5 – NFT & metaverse, utility creates (investment ) opportunities

Adrian Stratulat – Co-Founder Clapart

Mihai Daniel Eremia – CEO XOXNO (online)

Sergiu Draganus –

Victor Vevera – Director general ICI

Moderator: Endi Ungureanu – CEO and co-founder Metaventis

17.15 – 18.00 –  💡 Panel 6 – How do you build and recognize a successful web 3.0 project

Ioana Frincu – Technology strategist

Alex Arghirescu – Chief Marketing Officer IXFI

Paige Soponar – Co-Fonder & COO at The Connecter

Alexandru Carbunariu –  Crypto Project Advisor

Perello Laurent – CEO Arthera

Moderator: Alexandru Hobincu –

18.00 – 18.40 –  💡 Panel 7 –  Fiscality in metaverse

Flavius Jakubowicz – Managing Partner Jasill

Elena Sighinaș – Tax Director Accace România

Moderator: Sergiu Traian Vasilescu – Managing Partner VD Law Group

18.45 – 19.15☕ Pause



19.15 – 20.30📋 WEB 3 START-UP PITCH

Web 3.0 project competition

20.30  – 🍸 Cocktail


NOVEMBER 21st, 2023

19.30 – 23.30 – Azuga winery – champagne tasting followed by VIP party



NOVEMBER 22nd, 2023

09.00 – 10.30Peles Castle tour

10.30 – 11.00 –  Arrival of Guests – Coffee Break

11.00 – 11.05 – Opening of the event – Alex Panican, deputy CEO at the LHoFT and the MC of the event

11.05 – 11.30 –  Keynote Speech – Worldline Financial Services – Ernest Puspok, Business Development Director CEE 

11.30 – 12.15The new legal framework impact on the way we do banking: Is FIDA (Financial Data Access Framework) Europe’s path to open finance? 

Raluca Micu – National Bank of Romania, Head of Payments Oversight Division

Arturo Gonzales Mac Dowell – European Third Party Providers Association, Vice-chair / Asociación Española de Fintech e Insurtech – Chair / European Payments Council – Co-Chair SEPA Payments Access Scheme Multi Stakeholder Group

Panagiotis Kriaris – Commercial Director – Head Of Business Development Unzer 

moderator Andrei Burz-Pinzaru, Partner Deloitte Legal Romania / Reff & Associates


12.15 – 13.00Payments orchestration – we buy, rent or develop our own payment infrastructure?

Panos Chalkias – Managing Director Transaction Systems,

Mads Stolberg-Larsen – Co-founder and CEO at ZTLment

Dimana Vlaeva – Director SelfPay,

Raluca Urioc – Deputy Manager Acquiring Division at Alpha Bank

moderator Claudia Chiper – European Women Payments Network Ambassador in Romania / Partner Wolf Theiss

13.00 – 13.15 – Razvan Faer – Chief Marketing & Strategy Officer at Transfond – report on the adoption of instant payments in Romania

13.15 – 14.00Cloud banking – between operational efficiency and cyber security

Bogdan Costea – Head of Information Security at ING Bank Romania

Bogdan Dumitru VP of Product

Dragos Madarasan Solutions Architecture Lead at Amazon Web Services

Moderator – Calin Rangu, Digital Economy Expert – member of National Register for R&D, Vice-president CIO Council

14.00 – 15.00 – Lunch

15.00 – 15.40 – Workshop Google – Generative AI solutions in banking – Dorian Camil Hodorogea, Customer Engineer for Data Analytics in CEE

15.40 – 16.00University of Vienna – Faculty of Physics – senior researcher Dr. Mathieu Bozzio – PhD in Quantum. Cryptography:  „Absolute secure digital payments by using quantum technology”.

16.00 – 16.20 – Keynote speech – Visa – Catalin Cretu, general manager for Bulgaria, Croatia, Romania and Slovenia – „Trends in money movement”

16.20 – 17.00

Digital Identity is the new money and the crucial form of financial market infrastructure:

Sebastian Elfors – Senior Architect IDnow

Adrian Dinculescu – Managing Director Namirial,

Viky Manaila – Cloud Signature Consortium, president 

moderator Nic Balaceanu – CEO

17.00 – 17.15 – National Bank of Romania – Raluca Micu, Head of Payments Oversight Division – report on the adoption of open banking in Romania

17.15 – 18.00Open banking – from API first to API only:

Ana-Maria Georgescu – Executive Partner IT Smart Systems / Romanian Fintech Association – Board Member

Cosmin Cosma – CEO Finqware / Romanian Fintech Association – President of the Board

Vladimir Pintea – VP Open Banking Engineering and Payments, Europe Trovata, 

Steve Ryan – senior expert in the retail financial services unit in the Directorate-General for Financial Stability, Financial Services & Capital Markets Union (DG FISMA) of the European Commission

Mark Perlov – Open Banking Gateway Product Owner at Salt Edge

Marijus Planciunas – CEO Paysera

Moderator Mirela Ciobanu – Lead Editor at The Paypers

18.15 – 18.20 – Closing Remarks

19.30 – 22.30 – Private VIP dinner at Bran Castle

NOVEMBER 23rd, 2023

09.00 – 09.30 –  Coffee Break

09.30 – 09.35Opening remarks – Alex Panican, deputy CEO at the LHoFT and the MC of the event

09.35 – 10.00Keynote speech Unzer – Panagiotis Kriaris – Head of Business Development – PSD3 beyond compliance

10.00 – 10.45Payments trends – embedded, instant, tokenization, wearables, biometrics, crypto:

Panagiotis Kriaris – Head of Business Development at Unzer,

Hugo Araujo – CEO SIBS Romania,

Felix Crisan – Netopia CEO,

Ernest Puspok – Business Development Director CEE, Worldline Financial Services

Alexandru Mihalache – Head of products at Visa

Kostas Fiakas – Chief Strategy Officer Inform Lykos

moderator Daniel Nicolescu, CEO & co-founder Symphopay

10.45 – 11.30Online financing, new business models

Cristian Pasa – COO Fagura,

Bulent Tekmen – cofounder Colendi,

Cosmin Curticapean – CEO iFactor / Romanian Fintech Association – Board member

Andrei Dudoiu – Managing Partner & President of the Board SeedBlink,

Moderator – Cosmin Cosma, president Rofin.Tech

11.30 – 11.50D-BRAIN model, developed by Startech Alliance – The first report on „Credit score” of the digital maturity in the Romanian banking system – Bogdan Tudor, CIO Optimum Desk

11.50 – 12.30Neobank adoption – tipping point

Gabriela Nistor – Director General, Salt Bank,

Gabriela Simion – General manager Romania and Italy at Revolut,

Jakub Malach – Board Member at Raiffeisen Digital Bank,

Sam Everington – CEO, Engine by Starling, the technology arm of Starling Bank

Andrea Colombo – Country Manager Spain – Managing Director for Southern Europe & LATAM at Dynata

Moderator – Alex Panican, deputy CEO at the LHoFT

12.30 – 13.00Workshop Druid – AI solutions in banking – Gabriel Mocan, Chief Experience Officer

13.00 – 14.00 – Lunch

14.00 – 14.30 – Workshop Amazon – AI solutions in banking – Dragos Madarasan, Solutions Architecture Lead

14.30 – 15.00 – Workshop Microsoft – AI solutions in banking – Sorin Peste, Cloud Solution Architect, Data & AI 

15.00 – 15.20 – Country report Rofin.Tech – Romanian fintech start-ups impact on the digital transformation process in banking – presented by Vasile Alecsandru Strat – Dean of Bucharest Business School (ASE)

15.20 – 15.40 – Keynote speech – Eliad Saporta, CEO Coriunder – what it takes to build an EMI / small bank

15.40 – 16.20Technology is not the obstacle. Business models are. Banking as a Platform or Banking as a Service?

Satosh Radhakrishnan – Chief Commercial Officer at XYB by Monese,

Nick Reid – Head of Strategic Growth Europe at BankiFI

Cristian Cazan – Director General, Code Crafters, Banca Transilvania Group

Moderator – Eliad Saporta CEO CORIUNDER,

16.20 – 16.40 – Coffee break

16.40 – 17.00Banking on tokens

Anthony Ralphs – Director Product Management CBDCs at RIPPLE

Bogdan Almasi – CEO & co-founder ASSETTO

Felix Crisan – CEO NETOPIA

moderator Nic Balaceanu – Romanian Association of Fintechs, board member

17.00 – 17.40Generative AI in banking – an incremental game changer

Roxana Turquin – Sales & Account Director at Finshape,

Ana Ionascu – Sales Executive Enterprise Accounts MICROSOFT,

Milos Milovanovic – Director of Delivery and Customer Success at THINGS SOLVER, member of ASEE,

Florian Buca – CEO at SOFT TEHNICA,

Gabriel Mocan – Chief Executive Experience at DRUID AI

moderator Calin Rangu, Digital Economy Expert – member of National Register for R&D, Vice-president CIO Council

17.40 – 18.30Reinventing traditional banking. What moves should banks prioritize as their balance sheets shift to other kinds of institutions?

Oana Ilas – Deputy CEO, Head of retail banking Banca Transilvania,

Eleni Skoura – Head of retail  & Executive Board Member at ING Bank Romania, 

Ana Cernat – Vice Chair, Innovation and Sustainability Committee at National Bank of Greece,

Gabriel Pralea – Transformation Program Business Director CEC Bank

Nicolae Damu – VP Office Network at tbi bank

Alexandru Bita  –  Chief Technology Innovation Officer Libra Internet Bank,

moderator Florian Teleaba – Principal in Financial Services Practice, Bucharest Office Lead at Kearney

18.30 – 18.35 – Closing remarks

18.35 – 20.00 – Cocktail

20.48 – The train with Banking 4.0 participants departs from Sinaia Station to Bucharest

Thank you all for coming. See you next year!

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  • Visiting Peles Castle
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Keynote Speakers



















Sinaia resort – “The Carpathian Pearl”

Situated in a breathtaking mountain scenery, the resort is located at an altitude between 798 and 1055m, on the south-eastern slope of the Bucegi Massif, along the Prahova Valley, at 120 km from Bucharest (nearly 110 km from the Henry Coanda Airport) and 40 km from Brașov. Sinaia takes its name from the 17th century monastery built by a Romanian nobleman – Mihail Cantacuzino – after undertaking a pilgrimage to Mount Sinai, Egypt.

Sinaia is one of the most famous and oldest mountain tourist resorts in Romania, known as “The Carpathian Pearl”. It is best known for being the summer residence of the Romanian Royal family.

Therefore, Sinaia is more than just a resort, it is history. The city is officially documented for the first time around the year 1200. The city’s orthodox church is the oldest proof and one of the interesting places to visit. By far, the most interesting place to visit in Sinaia is the Peles Castle. This is one of the best-preserved royal palaces in Europe. It served as the summer residence of the first Hohenzollern king of Romania, Carol I.

Bult in the latter half of the 19th century, it was the king’s attempt to imitate the styles of his former homeland, creating a Bavarian setting in the mountains of Romania. The palace is ornately decorated, both the interior and the exterior, with intricate wood carvings and paintings of scenes from Wagner operas.



Peles Castle – Source:


The Casino from Sinaia
Located in the northern part of the “Dimitrie Ghica” park, the “Casino” in Sinaia is still today one of the edifices – a symbol of the resort. The imposing building was built in record time, in just one year (1911-1912), on the site where the villa Ghica once stood, the resort’s first villa, built by Prince Dimitrie Ghica.

The casino in Sinaia had as its main shareholder the baron de Marçay, also a shareholder in the casino in Monte Carlo, which is why it was speculated that this building would be a faithful copy of the French edifice.

Weekends at Casino attracted the social elite, the old aristocracy and the privileged for roulette and card games (baccara, Brazilian). At 4:00 p.m., when the gambling halls opened, the “servants of vice” got off the Bucharest-Sinaia “pleasure train” that ran on Saturdays and Sundays. The flow of players from that period is unimaginable for today, this “social magnet” hosting, every game day, 600-800 people.
It is said that, before entering the Casino, the players, confident of the chances of significant winnings, threw silver into the artesian well near the building.

After the Second World War, Sinaia Casino became the property of the Romanian state. In 1995, the casino passed into the State Protocol Administration.




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Banking 4.0 - web 3.0 project competition

Consistent with the idea of ​​promoting emerging technologies in the new digital economy, the NOCASH EVENTS company continues the Banking 4.0 event series – this year’s spring edition being dedicated to blockchain technology.

The international conference comes with a new start-up competition of blockchain projects “made in Romania”, intended to highlight the most promising ideas and business models, developed on blockchain technology.

The organizers of Banking 4.0, together with COINsiglieri, will select companies that are at most in the seed stage.

If your business also offers such a revolutionary business model or that solves a real problem by using blockchain, we invite you to register in the competition. Complete the registration form here. The last day of registration is June 7, till 05.00 pm.


Each start-up will have a 7-minute pitch, followed by another 3-minute Q&A session. It is up to each contestant how they will use their allotted time to convince the jury. It could be a pdf, a demo, or anything else deemed more relevant.

Judging criteria

The minimum criteria taken into account are presented as follows:

. the problem it solves – the impact of the proposed solution
. business model
. scalability / market projection
. originality & innovation
. product readiness
. community strength
. legal compliance
. team
. UX
. best presentation

Each evaluation criterion is scored from 1 to 10.

The final score will result from the summation of the points received on each separate criterion.

In case of equal points, the tie-breaker will be made after a new final round with another 5 minutes of presentation.

The first three winners will receive extremely attractive and complete service packages for a start-up at the beginning of its business journey, looking for financing and consulting.

Our competition offers 1st place with 112,800 EUR in services, products, and perks from partners, 2nd place with 21,300 EUR in services, products, and perks and 3rd place with 18,800
EUR  in services, products, and perks, providing an opportunity for your startup to win valuable resources to help grow your business.


500 euro/project registration fee

“The NOCASH gala event was an exceptional platform that not only acknowledged, but also celebrated the innovative strides made in the field of blockchain technology. It is events like these that bring together the best minds in the industry, fostering a sense of unity, collaboration, and mutual respect among all participants. We were particularly impressed by the level of professionalism, organization, and dedication to excellence that NOCASH demonstrated throughout the event.

The award we received is a milestone for Farm.XYZ, and it is with the utmost pride and humility that we accept it. This recognition inspires us to continue our pursuit of innovation, constantly challenging ourselves to drive the envelope further in the blockchain technology space.
To NOCASH, your commitment to advancing the blockchain ecosystem is commendable. Your efforts to spotlight and champion emerging technologies make a significant impact in shaping the future of digital economy. We look forward to more opportunities to collaborate and to celebrate the fruits of this ever-evolving industry together.”
Alex Mincu – Founder & CEO, Farm.XYZ, the winner of 2022 Edition
Foto: Alex MIncu' s pitch at Banking 4.0 start-up competition in 2022

Banking 4.0 - TV