☕ Registration & Welcome Coffee 10:00–10:30

Keynote – Introduction 10:30–10:35

• Alex Panican — Speaker

Keynote 10:35–10:50

Towards SEPA 2.0: shaping the future of European payments

• Gijs Boudewijn — Keynote speaker

💬 Embedded Finance & Invisible Banking 10:50–11:35

How banking integrates into non-financial platforms (super apps, e-commerce, mobility), powering contextual experiences. Beyond payments – lending, insurance, investment directly in platforms.

• Georgiana Andrei — Filbo
• Mihai Sandu — BCR
• Simion Tihon — Salt Bank
• Lucian Daia — ZITEC
• Bogdan Speteanu — Moov Leasing
• Antar Turgay — Nexent Bank
• Nic Bălăceanu — Sunt.io Moderator

Keynote – Alexandru Mihalache (VISA) 11:35–11:50

AI, changing the way we shop and pay.

💬 From Transactions to Advantage: The Omnichannel Journey 11:50–12:35

• Orchestration as Strategy
• The Omnichannel Experience
• From Data to Advantage

• Daniel Nicolescu — Symphopay
• Michal Mierzejewski — Transaction Systems
• Florentina Nistor — ING
• Alexandra Dinu — NEPI Rockcastle
• Maricela Litcanu — BRD
• Elena Oprea - VISA Moderator

💬 Regulatory perspective on innovation and payments 12:35–13:00

• Ionuț Horătău — Head of Payments and Payment Instruments Oversight Division, National Bank of Romania
• Adelina Stoienescu, PhD — Expert in the Payments and Payment Instruments Oversight Division, National Bank of Romania
• Codrin Petrescu — Economist in the Payments and Payment Instruments Oversight Division, National Bank of Romania
• Alex Panican Moderator

🍽️ Lunch 13:00–14:00

Intro – Welcome back: Introduction to 2nd part of the day 14:00–14:10

• Alex Panican

🔥 Fireside – Identity at the Core of Europe’s Open Finance Shift 14:10–14:30

• Nic Bălăceanu — sunt.io
• Karlien Vekemans — itsme

💬 European sovereignty in payments 14:30–15:20

• Ryszard Druzynski — BLIK
• Martín Azcue López — Bizum
• Stoilka Arsova — Borica AD
• Balazs Polonkai — Thales
• Gijs Boudewijn Moderator

Keynote 15:20–15:40

EUDI Wallet – State of Play

• Viky Manaila

💬 Digital Identity & Trust in Embedded Finance 15:40–16:30

• The promise of decentralized identity (DID) and verifiable credentials for finance.
• Interoperability challenges between different digital identity providers.
• Future outlook: digital wallets as a universal financial passport?

• Nic Bălăceanu — Sunt.io
• Valentina Dragomir — Evrotrust
• Karlien Vekemans — Itsme
• Ioannis Glykos — Scytáles Hellas
• Catalin Giulescu — MAI
• Viky Manaila Moderator

☕ Coffee break 16:30–16:50

🔥 Fireside Chat – Catalin Dumitrescu ( National Bank of Romania ) & Nic Bălăceanu 16:50–17:10

💬 Digital cash & Stablecoins – the next critical financial infrastructure 17:10–18:00

• Madalina Popa — Tremend Software Consulting
• Mihai Bucur — Xmoney
• Nikola Skoric — Electrocoin
• Cătălin Dumitrescu — National Bank of Romania
• Christian Schwarz — Independent senior expert in payments
• Cătălin Creţu — VISA
• Andrei Burz — Deloitte Moderator

🥂 Cocktail party 20:00–22:00

☕ Registration & Welcome Coffee 09:00–09:30

Keynote – Introduction Day 2 09:30–09:40

• Alex Panican

Keynote – Leda Glyptis 09:40–10:10

Beyond resilience: Success Patterns in Digital Banking Transformation

• Leda Glyptis

💬 From utility to lifestyle: The future of banking as part of a lifestyle ecosystem 10:10–11:00

• The vision for 2030

• Monika Kania — GFT Poland
• Marian Ignat — Erste Group
• Julien Defosse — AWS
• Florina Moisei — Revolut
• Aida Enache — BRD
• Leda Glyptis
• Alex Panican — LHoFTModerator

💬 New Business Models, in the context of migration from Open Banking to Open Finance 11:00–11:50

• Expanding beyond traditional banking data
• Collaborations across sectors – building trust in open data ecosystems
• From Services to fully connected Ecosystems / From BaaS to Wallet-as-a-Platform

• Catrinel Daniliuc — BCR
• Dănuț Arion — Deloitte Legal
• Doru Petruti — HeyBlu by eMAG
• Cosmin Cosma — Finqware
• Tamer Nurla — Revolut Bank UAB Vilnius - Bucharest Branch
• Ioan Negrea — fme Romania
• Nic Bălăceanu — Sunt.io Moderator

Case study - Andrej Andelic — Regional Manager Rubrik 11:50–12:05

💬 From digital bank to agentic bank 12:05–13:00

The panel signals a shift from simply digitizing banking to rethinking the business model with AI at the core. Is this a technology shift or a business model shift?

• Corina Cristescu — ING Bank Romania
• Tolga Banyocu — Garanti BBVA Romania
• Gabriel Pralea — CEC Bank
• Adam Glodek — GFT
• Petrut Lixandru — BCR
• Florin Branici — UniCredit Bank
• Florian Teleabă — Kearney Moderator

🍽️ Lunch 13:00–14:20

💬 The Smart POS: reinventing SME banking 14:20–15:10

What if a POS was not just a payment terminal, but the financial hub of a small business? Today’s SMEs need more than card acceptance – they need liquidity, credit, automation, and insights. A new generation of smart POS devices can connect entrepreneurs to a full suite of services: payments, cash withdrawal and deposit, credit lines, accounting integration, inventory management, and even real-time scoring and loyalty tokens. This panel will bring together key players to explore how we can turn the POS into an all-in-one business assistant for SMEs.

• Raluca Micu — Token Technology
• Mihai Gradinaru — VSTech
• Velin Ganev — Danubius
• Cristian Balulescu — Petrosol
• Augustin Dobre — SIBS
• Dan Cobeanu — RoFintech, Faragrija.ro Moderator

💬 Lifestyle Wallets & Gen Z Habits 15:10–16:00

• Social finance
• Youth banking — gamification, education & financial experience
• What “banking as identity” means for future generations

• Silvia Dumitrașcu — ING
• Anca Nutiu — BRD
• Traian Nastase — iSense Solutions
• Gabriel Lupu — Cult Market Research
• Irina Chițu — finzoom.ro Moderator

☕ Coffee break 16:00–16:20

💬 AI banking & Digital Assistants: Challenges, opportunities & practical adoption 16:20–17:10

• Real-time data and behavioural analytics to tailor financial journeys
• AI copilots and advisors embedded in life decisions (shopping, investing, housing)
• Emotional intelligence in banking UX…
• Leveraging behavioural analytics and empathetic design…

• Ana Maria Georgescu — IT Smart Systems / Smart Fintech
• PhD Andra Sonea — University of Warwick (Researcher)
• Josef Dvorak — Finshape
• Daniel Marin — BRD
• Andrei Perianu Moderator

💬 Lifestyle banking beyond 60’s: financial wellbeing for the next chapter 17:10–18:00

• From retirement to reinvention: redefining financial services for the golden years.
• From pensions and healthcare to digital inclusion and intergenerational wealth, smarter banking can support the next chapter in life.
• How banks, credit unions, investment funds, insurers, and telcos can co-create products that match the needs of Europe’s fastest-growing and wealthiest customer segment.

• Anca Nutiu — BRD
• Ciprian Pop — Allianz-Tiriac Pensii Private
• Horia Braun-Erdei — SAI Erste Asset Management SA
• Emil Ciorîia — Romanian Post
• Corneliu Perianu — ipensii.ro Moderator

Farewell Cocktail18:00 - 19.00