Conversational banking in digital time

Where: Sinaia Casino (Bucegi Mountains) – the former residence of kings
When: 26-28 November 2024

How to build the digital bank of the future?


Bucharest, Romania


23, 2023


Conversational banking in digital time

Sinaia resort – Bucegi Mountains
The former residence of kings
When: 26-28 November 2024


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
  • 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

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


Advances in technology will transform business
operations over the coming decade as new tools and higher degrees of automation find their way into the workplace.

To stay ahead of the competition, successful businesses won’t just be those that implement the latest technologies.

The power of human interaction will continue to play a critical role in business over the coming decade, even as technology such as AI, robotics and quantum computing dramatically reshapes entire sectors.

Virtually every bank has a mobile app that works effectively: it manages the majority of customer interactions, is typically rated well over 4 out of 5 by customers and—together with digital enhancements elsewhere in the organization— continues to deliver big efficiency gains and convenience for customers. Yet there have been unwelcome side-effects.

By shifting customer engagement out of the branch and onto their digital channels, banks’ experiences have become functionally correct but emotionally void.

And at the same time as their personal connection with customers has weakened, so has banks’ ability to differentiate themselves: Accenture’s Life Trends 2024 survey found that 42% of consumers find it hard to distinguish between financial services brands. In the process, customer loyalty has weakened.

Digitalization has improved banks’ ability to solve customers’ most basic needs, but conversations about their financial aspirations and how the bank can help them achieve their goals have become increasingly rare.
Yet the goal of increasing the proportion of digital sales depends on it.

The good news is that customers still trust banks and are sending them clear signals of what they want. To capture the full potential of digital, banks need to improve their ability to respond to these signals.

This includes shifting their thinking about digital from “servicing” to “conversations”.


Event agenda


Standard One Day

  • Access to conference
  • Coffee breaks
  • Lunch
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  • --
  • --
  • --

Standard Two Days

  • Access to conference
  • Coffee breaks
  • Lunch
  • --
  • --
  • --
  • --
  • --


  • Access to conference
  • Coffee breaks
  • Lunch
  • Accommodation and breakfast included
  • Transport Bucharest - Sinaia and return
  • Book
  • --


  • Access to conference
  • Coffee breaks
  • Lunch
  • Accommodation and breakfast included
  • Transport Bucharest - Sinaia and return
  • Book
  • Visiting Peles Castle
  • Champagne tasting - Azuga Winery
  • Festive private dinner at Bran Castle

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
Braşov. 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.

Built 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

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.


Carpathian Mountains

Home to outstanding
natural beauty

Sinaia Resort

Former residence of the Romanian Kings

Casino Sinaia

A glimps in the luxuriant life at the
end of 19th century



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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


“Soon it will be 25 years since I’ve been organizing events in the banking
industry. It all started with Expo-Invest in 2002, the First Financial Fair
focused on selling banking products. It was the first time in Romania when
people could interact directly with bank employees outside of branches.
The event anticipated the explosion of bank retail a year later.

Starting with 2017, with the European Commission’s decision to
democratize banking through PSD2, we opted to expand to a new
business line: international events that promote the impact of emerging
technologies on banking. It was an inspired decision. Since then, thousands
of experts from 34 countries have physically attended our event and over
20,000 online. Banking 4.0 is now an internationally recognized brand as
one of the most appreciated fintech events in CEE.

Having reached the 10th edition, we continue to offer premieres and
anticipate trends that will make the difference. This year we invite you
to analyze a new theme: “conversational banking in digital time”, in the
wonderful mountain resort Sinaia, the former summer residence of the
kings of Romania, located in a fairytale land, in the immediate vicinity of
Bran Castle – Dracula’s Castle.”

Sergiu Cone

Banking 4.0 – Event Organizer

Previous events world-class speakers

Brett King

Named ”King of the Disruptors” and the “Godfather of Fintech”, King is a Fintech Hall of Fame who was voted American Banker’s Innovator of the Year, voted the world’s #1 Financial Services Influencer by The Financial Brand and was nominated by Bank Innovation as one of the top 10 “coolest brands in banking”. He hosts a radio show called “Breaking Banks”, which is The #1 global fintech radio show and podcast reaching 180 countries. Also, he is the Founder of Moven, the world’s first mobile, downloadable bank account.

Chris Skinner

Skinner has been voted one of the UK’s foremost fintech observers by The Telegraph and one of the most influential people in financial technology by the Wall Street Journal’s Financial News and Thomson Reuters. He has advised CEOs and leaders from every continent of the world including the United Nations, the White House, the World Bank and the World Economic Forum. In 2023 he was recognised with a Lifetime Achievement Award by the Payments Association, the largest community in payments.