Banking from Utility to Lifestyle

Banking 4.0 Conference | 25–27 Nov 2025 | Hotel International Sinaia, Romania

From products to experiences. From infrastructure to identity. Discover how banking is becoming an invisible, trusted part of everyday life.

Trusted by leading banks, fintechs, and innovators

EARLY BIRD

Get your Early Bird Ticket — save now for Banking 4.0

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25–27 November 2025 • Hotel International Sinaia

At a Glance

350+

attendees

30+

international speakers

20+

countries represented

10+

industries

20+

interactive sessions

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.

See full agenda

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

Alexandru Mihalache

GTM Products Director, Romania, Croatia, Slovenia and Bulgaria

Speakers

Catalin Dumitrescu

National Bank of Romania, Economist, Financial Stability Department

Julien Defossé

AWS Worldwide Financial Services - Banking Industry Lead

Tolga Banyocu

Deputy General Manager at Garanti BBVA Romania

Adam Glodek

Head of Banking, Head of CEE at GFT Technologies

Marian Ignat

Head of Group Retail Transformation at Erste

Mihai Grădinaru

Senior Consultant at VSTech / Founder and CEO at Tejas

Dănuț Arion

Managing Associate at Reff & Associates SPRL | Deloitte Legal

Cătălin Creţu

General Manager, Bulgaria, Croatia, Romania, Slovenia at Visa Europe

Bogdan Speteanu

Partner, Chief Platform Officer at Moov Leasing

Stoilka Arsova

Director National Card and Payment Scheme part of Borica AD

Raluca Micu

Deputy General Manager of Token Payment Services Romania, part of Token Financial Technologies

Ana-Maria Georgescu

Executive Partner IT Smart Systems, Co-Founder at Smart Fintech, board member RoFintech

Balázs Polonkai

Sales Director, Payment Services, Central and Southeast Europe at THALES

Cristian Balulescu

Founder & Business Development at PetroSol

Monika Kania

Chief Revenue Officer at GFT Poland & CEE

Maricela Litcanu

Global Transaction Banking Executive Director, BRD Groupe Société Générale

Mihai Sandu

Head of Digital Sales & Strategic Partnerships at BCR

Moderators

Irina Chitu

Director finzoom.ro / Vicepresident AAFBR

Dan Cobeanu

RoFintech - Romanian Fintech Association

Andrei Burz-Pinzaru

Partner at Deloitte Legal Romania | Reff & Associates

Partner Benefits

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

See all benefits Partner with Us

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.

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

Location

Hotel International Sinaia

A contemporary 4★ landmark set right in the heart of Sinaia.

Blending mountain charm with modern comfort, the hotel offers elegant rooms and suites, panoramic views of the Bucegi, fast Wi-Fi, and convenient underground and outdoor parking. Its prime location places you minutes from the cable car, Dimitrie Ghica Park, and Peleș Castle—ideal for both business and leisure stays.

Meetings & Events

Flexible spaces, flawless logistics, and expert on-site support.

From board meetings to large conferences, modular halls are equipped with professional sound and projection, reliable staging, and dedicated coffee-break areas. Event coordinators handle agendas, rooming lists, and banqueting details so everything runs on time and within budget, with high-speed connectivity throughout.

Wellness & Dining

Swim, unwind, and savor Romanian and international cuisine.

Recharge at the indoor pool, sauna, and Jacuzzi, with relaxing treatments available, plus a handy fitness corner. Choose between buffet and à la carte restaurants, a welcoming lobby bar, and seasonal terraces. Families appreciate kids’ options, while early breakfasts make mountain excursions easier.

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Get your ticket

Standard one day (26 Nov)

119 EUR

What's Included:

Standard one day (27 Nov)

119 EUR

What's Included:

Standard two days

299 EUR

What's Included:

access to conference
access to the networking area
access to B2B Matchmaking Area
coffee breaks
Banking 4.0 Gala and cocktail
two lunches
access to slides and presentations
transport (Bucharest Sinaia and return - by train)
book - "Beyond Resilience" by Leda Glyptis

VIP

990 EUR

What's Included:

access to conference
coffee breaks
Banking 4.0 Gala and cocktail
two private lunches
book - "Beyond Resilience" by Leda Glyptis with autograph
access to the Premium Lounge (network with the speakers and partner companies)
invitation to the official reception with speakers and executives from partner companies
transport Bucharest- Sinaia and return (by car)
priority badge claim
accommodation (2 nights)