Banking 4.0 was launched in 2017, as a natural extension of the work that NOCASH had been driving since 2001 to advance Romania’s financial innovation. After almost two decades of shaping the electronic payments ecosystem, NOCASH recognized that the future of finance would be defined not only by payments, but by the broader transformation of banking itself.

Introduced in the wake of the European Commission’s PSD2 directive to democratize banking, Banking 4.0 quickly became the platform where banks, fintechs, regulators, and technology leaders explore how emerging technologies reshape the industry.

Since then, thousands of experts from 35+ countries have joined in person, while more than 20,000 have attended online. Each edition highlights the breakthroughs and trends redefining financial services.

Now celebrating its 11th edition on 26 November, Banking 4.0 continues to set the agenda for the next decade of innovation.

A Legacy of Milestones — From NOCASH to Banking 4.0

• 2001 – Nocash.ro: launch of Romania’s first online platform for comparing banking products (cards).
• 2002 – ExpoInvest: organization of the first financial fair in Romania showcasing banking and financial products, years before the retail banking boom.
• 2003 – Recognition: Nocash.ro listed among Romania’s top five most useful finance websites, alongside the World Bank, the Ministry of Finance, the Authority for the Recovery of Bank Assets, and the National Bank of Romania.
• 2004 – 3D Secure Standard: in partnership with ROMCARD, NOCASH introduced 3D Secure in Romania, at a time when many Romanians were just beginning to discover e-commerce..
• 2007 – APERO – NOCASH initiated and contributed to the creation of APERO (Electronic Payments Association of Romania). Together with the Ministry of Communications, APERO launched ghiseul.ro — by far the most successful public–private partnership in Romania’s public administration. Thanks to this platform, tax payment habits changed significantly: today, nearly 3 million Romanians pay their taxes online through this platform.
• 2017 – The Birth of Banking 4.0: expanding beyond payments to launch an international platform on how technology transforms banking.

Banking 4.0 Today

Since its debut, Banking 4.0 has become the leading fintech and banking innovation event in South-Eastern Europe. Every edition unites banks, fintechs, regulators, and technology innovators to explore the future of digital transformation, customer experience, and financial ecosystems.

Looking Ahead

With a foundation built over two decades, Banking 4.0 has grown into an internationally recognized brand that continues to inspire, connect, and shape the future of banking.