Legacy systems are holding banks back, limiting agility and growth. In this keynote, discover how to break free and unlock Growth Mode with unified banking experiences, AI-powered engagement, and hyper-personalized customer journeys. Learn how banks can move from reactive to proactive, driving loyalty, revenue, and long-term success. Growth isn’t optional - it’s the only way forward.

With over three million customers, DSK Bank holds a pivotal role in Bulgaria’s financial ecosystem. Not just as a market leader, but as a national catalyst for change. In this session, Denitsa Staeva and Daniela Hoteva share how DSK is setting the benchmark for digital banking in the country. From transforming customer expectations to shaping digital banking behaviors at a population level, they’ll offer a behind-the-scenes look at how their strategy influences not only banking, but the broader digital trajectory of Bulgaria.

How do traditional banks avoid becoming the black cabs of banking when Uber arrives? In this candid session, Stewart Allan shares his personal journey as CIO of Weatherbys Bank of balancing heritage with the need to modernize. He unpacks what it takes to stay ahead of technological change, deliver differentiated services, and lead transformation from the inside out. A must-attend for CIOs, future tech leaders, and digital executives navigating the realities of modernization while staying true to their institution’s core.

To win in banking, financial institutions must move beyond digital transactions to build lasting, primary relationships with customers. This keynote will explore how AI, automation, and a composable banking fabric power personalized engagement, boost employee productivity, and unify data for a seamless experience. Discover how Backbase’s latest innovations drive customer acquisition, deepen relationships, and enable banks to stay ahead in an era of rapid technological change.