Program of the 31st Banking & Insurance Forum
Agenda
Day I – April 13th
31. Banking & Insurance Forum
8:30 a.m. – 9:00 a.m. Registration
9:00 a.m. – 10:30 a.m. OPENING BLOCK: NEW CONDITIONS FOR THE FINANCIAL SECTOR IN 2026
In 2026, the transition period ends, and the question of whether the current financial sector model remains adequate must be answered. Financial institutions today operate in an environment of accumulating geopolitical, regulatory and technological risks, entering a new reality in which existing rules no longer apply and stability and resilience must be redefined.
9:00 a.m. – 9:20 a.m. Inaugural speech: Grand opening of the Forum by the Chairman of the Banking Forum Program Council
- Szymon Midera, Chairman of the Banking Forum Program Council; President of the Management Board, PKO Bank Polski
9:20 a.m. – 9:30 a.m. Keynote speech: Bridging Ecosystems: Mobilizing Institutional Capital for Europe’s Strategic Innovation and Resilience
- Prof. Philippe Tibi, Chairman of the Executive Committee for the “Scale-Up Financing” Initiative at the French Ministry of Economy, Finance and Recovery
9:30 a.m. – 9:50 a.m. FireChat: How banks can contribute to increasing the innovativeness of the country and Polish companies (discussion of systemic solutions rather than one-off innovation financing)
- Mirosław Czekaj, Chairman of the Board, Bank Gospodarstwa Krajowego
Moderation: Łukasz Kijek, Secretary of the Banking Forum Program Council, Editor-in-Chief of Money.pl, host of the “Biznes Klasa” program, Money.pl
9:50 a.m. – 10:30 a.m. Debate: Poland 2026 – window of opportunity or a tipping point? Strategic implications for the financial sector
- Which areas of the financial sector’s operations most urgently need to be redefined today in order to remain stable, resilient and able to grow in the years ahead?
- How does geopolitics affect the stability of the financial system and the security architecture of the sector today?
- Are economic security and sovereign resilience becoming the new overarching context in which the financial sector operates, beyond the classic macroeconomic framework?
- NRPs and the wave of public and private investment: is the financial sector prepared for their scale, structure and pace of implementation?
- Investment pressures vs. systemic risks: how to finance energy transition, infrastructure and industry without accumulating excessive risks in the economy and banks’ balance sheets?
Panelists:
- Piotr Arak, Chief Economist, VeloBank
- Piotr Bujak, Chief Economist, PKO Bank Polski
- Bożena Graczyk, Vice President of the Management Board, ING Bank Śląski
- Elżbieta Czetwertyńska, President of the Management Board, Citi Handlowy
- Piotr Wrzesiński, Vice President of the Management Board, Polish Chamber of Insurance
Moderation: Łukasz Kijek, Secretary of the Banking Forum Program Council, Editor-in-Chief of Money.pl, host of the “Biznes Klasa” program on Money.pl
10:30 a.m. – 12:10 p.m. BANK, INSURER AND CUSTOMER OF THE FUTURE – CHANGING RELATIONSHIP MODEL IN ECOSYSTEMS
A block devoted to changing the customer relationship model in the context of the growing role of e-commerce and digital ecosystems. It will be discussed how banks and insurers can become partners in supporting customers at key moments in their lives, and how business models such as Banking-as-a-Service and AI-based technologies are affecting the sector’s competitiveness, customer acquisition, and collaboration with e-commerce platforms.
10:30 a.m. – 10:45 a.m. Presentation: Swipe – Match – Deal
- Ireneusz Liberacki, General Manager LiveBank, Ailleron
- Paweł Witek, Product Owner, Ailleron
10:45 a.m. – 11:00 a.m. Presentation: How Can AI Support the Development of Banking-as-a-Service Models in Poland? Case Studies from Asia
- Michał Jankowski, Digital Business Partner CEE, Hitachi Europe Ltd.
- Tadeusz Woszczyński, General Manager CEE, Hitachi Europe
11:00 a.m. – 11:50 p.m. Debate: New customer relationship model: banks and insurance in the ecosystem
- How is the business model of banks and insurers changing as the customer relationship moves from their own channels to purchasing and business processes?
- Is the financial sector ready for a sustained shift from channel models to being “in the background” of customers’ buying processes?
- Is the real-time and event-driven model becoming the new standard for banks and insurers in digital ecosystems?
- What factors will determine the competitive advantage of banks and insurers?
- What role does collaboration with e-commerce platforms and ecosystem partners play in new growth models?
- How do you design embedded finance and insurance models to maintain control of the customer relationship and regulatory compliance?
- Are the customer relationship models we design today resilient to demographic changes?
Panelists:
- Wojciech Mach, VP, Comarch
- Aneta Podyma, President of the Management Board, Unum Life
- Michał Gomowski, Vice President of the Management Board, LINK4
- Joao Bras Jorge, President of the Management Board, Bank Millennium
- Szymon Wałach, Member of the Supervisory Board, Ailleron
- Zygmunt Kostkiewicz, President of the Management Board, Polish Security Printing Works
Moderation: Paweł Jakubik, Microsoft Alliance Leader and Technology & Consulting Sales Leader, EY Poland
11:50 p.m. – 12:30 p.m. Networking break
12:30 p.m. – 1:30 p.m. DIGITAL FOUNDATION 2026 – STRATEGIC DIRECTIONS FOR TECHNOLOGY DEVELOPMENT IN FINANCE
A debate with members of the TECH Advisory Board, providing a strategic opening for the Forum’s detailed technological paths. Operational and technology leaders from major banks and insurance companies will present a shared vision for the future of the sector’s digital foundations. The discussion will serve as a broad introduction to the Forum’s key thematic paths, setting priorities for the development of modern and resilient banking and insurance architecture.
12:30 p.m. – 12:40 p.m. Presentation: Identity Protection. Securing and Recovering Active Directory and Entra ID
- Paweł Tkaczyk, Senior IT Engineer, Limitless Technologies
12:40 p.m. – 12:50 p.m. Regulatory Priorities and Technological Limits in Finance
- Dr Krzysztof Korus, Attorney-at-Law, Partner, DLK Legal
12:50 p.m. – 1:30 p.m. Banking & Insurance TECH Advisory Board Debate
- The vision of the TECH Advisory Board – key development directions that will define the competitiveness of the sector in 2026
- Technology in the service of strategy, or how to build modern foundations that reconcile innovation with security?
- Poland against the backdrop of global trends – where are we and what challenges must we take on to maintain our position as a leader in digital finance?
Panelists:
- Mateusz Mazur, Managing Director for IT and Digitalization, PZU
- Bartłomiej Nocoń, Director, Polish Bank Association; Member of the Executive Board of the European Payments Council in Brussels
- Joanna Ostrowska, Managing Director IT Strategy Architecture & Governance, BNP Paribas Bank Polska
- Robert Trętowski, Vice President of the Management Board, KIR
- Marcin Zygmanowski, Vice President of the Management Board, Bank Pekao S.A.
Moderation: Tadeusz Woszczyński, Chairman of the Banking & Insurance TECH Advisory Board
1:30 p.m. – 2:40 p.m. STRATEGIC RESILIENCE: SECURITY ARCHITECTURE IN AN AGE OF UNKNOWN RISKS
A session devoted to redefining security in the face of new generation threats. In a world where attacks are driven by artificial intelligence, traditional protection is becoming insufficient. We will focus on the transition from passive defense to active business continuity management. Together with bank leaders and cyber experts, we will examine how to build an architecture that is ready for “unknown scenarios” and support business stability in extreme conditions.
1:30 p.m. – 1:40 p.m. Presentation: How to prepare banks for attacks by quantum computers? (post-quantum computing)
- Anna Kamińska, CEO, Creotech Quantum S.A.
1:40 p.m. – 1:55 p.m. Presentation: DORA and Regulations: How to Manage Risk and Compliance Efficiently and Effectively in Financial Institutions
- Mikołaj Otmianowski, Vice President of the Management Board, RED INTO GREEN by DAPR
1:55 p.m. – 2:10 p.m. Case Study: Password-Free Login. How Convenience Builds a Competitive Edge. Password-free authentication is already in use in banking and insurance today.
- Bartosz Cieszewski, Solutions Architect, Secfense
2:10 p.m. – 2:40 p.m. Debate: Cyber security- how to prepare for unknown scenarios?
Session moderated by Banks/Insurers. Participants: cybersecurity professionals and technology companies
- What new threats are AI and automation generating in cyberspace? How do we prepare for attacks whose scenarios we do not yet know?
- Crisis response models and strategies to minimise the risks and consequences of cyber attacks
- What innovative technologies can help detect and neutralise advanced cyber threats in real time?
- What changes in organisational structures (roles, competencies) must be made to respond to growing threats?
Moderators:
- Artur Kurcweil, Head of Security Department, Bank Millennium
- Paweł Wieczorek, Global Head of Data Security, Nordea
Panelists:
- Łukasz Kułacz, Co-founder and Chairman of the Board, Apius Technologies
- Marcin Łukaszewski, Enterprise Sales Manager, Palo Alto Networks
2:40 p.m. – 3:35 p.m. CORE BANKING & INSURANCE SYSTEM AND MIGRATION FROM LEGACY SYSTEMS
Developing viable scenarios for the transformation of core systems in banks and insurance. The goal is to identify common standards and best practices to accelerate the sector’s modernisation.
2:40 p.m. – 2:45 p.m. Introduction: Trends for 2026: What Does the Data Say?
- Maciej Świderek, Senior Account Executive, Temenos
2:45 p.m. – 2:55 p.m. Presentation
2:55 p.m. – 3:35 p.m. Debate:
- What is a core system today, and how does this definition affect transformational decisions?
- When does it make sense to upgrade a central system, and when does it become realistically feasible and business justifiable to replace it?
- How are digital resilience, security and operational risk changing the way we think about core transformation?
- How to combine core systems with agentic AI, while maintaining control over the stability and competence of the organisation?
Panelists:
- Emil Andryszczyk, Director of Central Systems Development, Bank Pekao S.A.
- Piotr Bednarski, Director of the Application Development and Maintenance Division, PKO Bank Polski
- Michał Kopyt, Member of the Management Board, PZU SA / PZU Life
- Grzegorz Pędzisz, CIO, Volkswagen Financial Services
- Maciej Świderek, Senior Account Executive, Temenos
Moderator: Piotr Kupisz, Associate Director, Accenture
3:35 p.m. – 4:40 p.m. NEW IT OPERATING MODEL IN BUSINESS ARCHITECTURE DRIVEN BY ARTIFICIAL INTELLIGENCE
A block devoted to the real costs, profits and effects of AI implementations in banks and insurance. The discussion will focus on the transition from experimental deployments to AI solutions that can be scaled, the changing role of IT, and key governance and control models that ensure stability and efficiency in the use of this technology.
3:35 p.m. – 3:45 p.m. Presentation: Live AI Agents in lending and insurance: Transforming operations at Europe’s leading financial institutions
- Tamás Marton, Managing Partner & Chief Agentic Officer, Intuitech
3:45 p.m. – 4:00 p.m. Presentation: AI as an Operational Capability: How Financial Institutions Are Transitioning to an Agent-Based Architecture
- Bogdan Nowopolski, VP of Intelligent Automation Solutions, Betacom S.A.
4:00 p.m. – 4:40 p.m. Debate: New IT operating model – from experimentation to responsible AI deployments
- How has the first wave of AI investments made a real difference in the way IT and business processes work in banks and insurance?
- In which areas has AI produced measurable cost and operational results, and where have expectations proved too optimistic?
- What areas were most often subject to automation and affected by financial benefits?
- How do you define success for AI projects: short-term ROI vs. long-term operating model change?
- How is IT’s role changing – from teams to overseeing autonomous systems and AI agents?
- What governance, accountability and control models are necessary for AI to become part of a stable business architecture?
Panelists:
- Magdalena Kasiewicz, Director of Cloud Services Sales – Leadership Team Member, Hewlett Packard Enterprise
- Karol Tajduś, Director of the AI Transformation Department, Bank Pekao S.A.
- Jan Pieczykolan, Head of IT Development, Santander Bank Polska
- Maja Scheafer, CEO & Co-founder, Zowie
- Wolfgang Stockmeyer, Member of the Management Board, Compensa Vienna Insurance Group
Moderation: Mariusz Ożga, C-level Digital, Data & AI Transformation Executive, Trust Shift
4:40 p.m. Lunch
Day II – April 14th
Banking Forum
8:30 a.m. – 9:00 a.m. Registration
9:00 a.m. – 9:10 a.m. Opening of the Forum
9:10 a.m. – 10:00 a.m. BANKING SECTOR AND CONSUMERS – COOPERATION OR DISPUTE?
A block on the relationship between banks and consumers, including building trust, avoiding litigation and the role of new regulations. The discussion will focus on how banks can engage effectively with consumers and how regulations such as DORA, AI Act, PSD3, and CCD2 will affect customer service and pose risks to the sector.
9:10 a.m. – 10:00 a.m. Debate:
- How should banks shape their offerings and arrange their relationship with consumers so as not to replicate the pattern of massive litigation?
- Do banks treat themselves as a public trust institution, and can consumers treat banks that way?
- Are there institutions, organisations, or forums through which banks could dialogue with consumers?
- Will the new legal regulations (EU – DORA, AI Act, PSD3, CCD2 and their Polish implementations) help banks serve consumers, or, on the contrary, increase risks?
Panelists:
- Maksym Aleksandrowicz, Vice Head of Litigation, KPK Legal
- Jurand Drop, Secretary of State, Ministry of Finance and Economy
- Michał Ziemiak, Financial Ombudsman, Office of the Financial Ombudsman
- Piotr Żabski, President of the Management Board, Alior Bank
Moderation: Damian Szymański, Editor-in-Chief, Biznes Enter
10:00 a.m. – 10:40 a.m. INFORMATION RESILIENCE IN THE AGE OF INFODEMIA – THE NEW RESPONSIBILITY OF BANKS
Panel on the role of banks in building and protecting trust in an infodemic environment. The discussion focuses on information resilience as an element of communication strategy, relations with customers and the public, and the limits of banks’ responsibility in the area of education and social dialogue.
10:00 a.m. – 10:40 a.m. Debate
Panelists:
- Filip Konopczyński, Director of the Analysis and Research Office, NASK – National Research Institute
- Michał Macierzyński, Director of the Digital Services Department, PKO Bank Polski
- Katarzyna Szymielewicz, Co-founder and President, Panoptykon Foundation
- Dr. Alek Tarkowski, Chief Operating Officer, Open Future Foundation
Moderation: Aleksandra Leszczyńska, Director of Corporate Communications, PKO Bank Polski and Member of the Program Council of the PKO Bank Polski Foundation
10:40 a.m. – 12:00 p.m. NEW PAYMENT ARCHITECTURE – HOW IS THE ECOSYSTEM CHANGING?
Understand how new standards, offline security, cash automation and instant payments are transforming the entire payment ecosystem. Participants will discuss the sector’s challenges and developments that will define tomorrow’s payments.
10:40 a.m. – 10:50 a.m. Presentation: Digital Identity: Security Architecture in a World of Constant Risk: From eIDAS 2.0 to AI-Ready Identity
- Jerzy Judycki, Product Owner, Polska Wytwórnia Papierów Wartościowych
10:50 a.m. – 11:40 a.m. Debate:
- Are offline payments becoming a necessary part of payment system resilience in the face of energy and telecommunications risks?
- What is the role of cash, self-service branches (VTM) and cash recycling in ensuring customer security and the continuity of money circulation?
- How are the new payment standards (Elixir ISO, instant payments, SEPA Instant) changing customer expectations and the architecture of banking systems?
- Do the changes in payment cards (cards without numbers and magnetic stripes) realistically improve security and reduce fraud?
- In the context of EU payment regulations, should Poland aim for a single, national and de facto standard for data exchange between customers and banks, or maintain the current model of market freedom?
Panelists:
- Remigiusz Lewandowski, Member of the Management Board, Polska Wytwórnia Papierów Wartościowych
- Filip Andrzejewski, Head of Logistics and Cash Management, Bank Pekao S.A.
- Przemysław Dukiel, Director of Everyday Banking, Santander Bank Polska
- Dariusz Marcjasz, Country Manager, Euronet Polska
- Adam Matyaszek, CSO & Board Member, ITCARD
- Paweł Placzke, Director of the Retail Products Department, PKO Bank Polski
Moderator: Leszek Modzelewski, Director of the CEE Projects and Implementations Division, Hitachi Europe Ltd
11:40 a.m. – 12:00 p.m. FireChat: Can Poland become a model for non-eurozone countries in designing digital central bank money – technologically, regulatorily and organizationally?
- Dr. Krzysztof Korus, Legal Counsel, Partner at DLK Legal
- dr Dominik Sadłakowski, Advisor, Accenture
Moderation: Małgorzata Zaleska, Ph.D., Director of the Institute of Banking, Warsaw School of Economics
12:00 p.m. – 12:40 p.m. Networking break
12:40 p.m. – 1:40 p.m. DATA TRUST & AI-READY DATA IN THE BANK – HOW TO BUILD A FOUNDATION FOR AI AND REGULATION
Understand how banks and other financial institutions can build a solid data foundation to implement AI and share data in compliance with regulations effectively. A key theme is data governance, data integrity, data sharing and quality management in the context of AI.
12:40 p.m. – 12:50 p.m. Presentation: Demo vs. Production: What Kills AI Projects in Banks
- Maciej Ciołek, Co-founder, Zowie
12:50 p.m. – 1:40 p.m. Debate: AI-ready data in banks: how to build consistent and secure data ecosystems?
- How to build “data trust” in the eyes of customers, regulators and auditors – from transparency to responsible use of data
- Sharing data in the financial ecosystem: standards, security and exchange models that add value, not risk
- How to ensure data consistency and timeliness in AI environments and complex IT architectures-i.e., cataloguing and data quality
- Compacting data while improving its practical utility – is it possible?
- Should banks today manage data like critical infrastructure – on par with payment systems and core banking?
Panelists:
- Agnieszka Kobylańska, Director of the Data Governance Office, BNP Paribas Bank Polska
- Konrad Komornicki, Deputy President, Office for Personal Data Protection
- Mikołaj Otmianowski, Wiceprezes Zarządu, RED INTO GREEN by DAPR
- Dagmara Wojnar, Vice President of the Management Board, Bank Pekao S.A.
Moderation: Marzena Wiszniewska, Data Risk Lead, Nordea
1:40 p.m. – 2:40 p.m. AI-FIRST BANKING: IS THERE STILL ROOM FOR A HUMAN TOUCH IN DIGITAL DNA?
A block devoted to changing the role of the financial sector employee under conditions of rapid technological, organizational and cultural transformation. The discussion focuses on how banks should prepare people and organisational structures for new models of work, responsibility and customer relations in a world where technology (including AI) is becoming a tool rather than an end in itself.
1:40 p.m. – 2:40 p.m. Debate: AI-First Banking: Is There Still Room for the Human Touch in Digital DNA?
- How is the role of a bank employee changing in an AI-first organizational model, where technology becomes a daily collaborator rather than merely a support tool?
- Is the financial sector ready to transition from traditional job responsibilities to a work model based on greater agency, accountability, and collaboration with AI systems?
- How can AI adoption be practically built within an organization – from pilots and experiments to scaling solutions across the entire bank?
- Is AI redefining classic business and IT roles? What new competencies and positions are emerging as a result of growing automation and the use of AI agents?
- How should managerial competencies evolve to effectively manage teams working in an AI-supported environment, while maintaining accountability, security, and decision quality?
- Will the bank of the future be a more technological or a more human organization, and where does the real value of the employee lie in this model?
Panelists:
- Joanna Ostrowska, Managing Director of IT Strategy, Architecture & Governance, BNP Paribas Bank Polska
- Tomasz Motyl, CIO, UniCredit
- Waldemar Skorupka, Board Member, Humanites Institute; CEO of Inwenta
- Tina Sobocińska, Founder & HR Strategic Advisor, HR4future
Moderation: Marcin Petrykowski, Chair of the Program Committee of the FinTech Digital Congress
2:40 p.m. – 3:40 p.m. THE ROLE OF BANKS IN BUILDING SAVINGS AND RETIREMENT SECURITY OF THE POLISH PEOPLE
A panel on the long-term role of the banking and insurance sector in building the retirement security of Poles. Discussion focuses on pension gap as a systemic challenge, transition from product sales to long-term customer relationships, and the need for financial institutions and the state to work together in the face of demographic change.
2:40 p.m. – 3:00 p.m. Presentation: Financial Health Program for Poles: Let’s Build a Culture of Financial Health in Poland
- Mariola Szymańska, President of the Management Board, EFPA Poland
3:00 p.m. – 3:10 p.m. Introduction to the debate “Retirement? I’ll worry about that later… Why aren’t young people planning for their future?” – presentation of survey results
- Katarzyna Sekścińska, Ph.D., Professor at the University of Warsaw, Department of Business Psychology and Social Innovation, Faculty of Psychology
3:10 p.m. – 3:50 p.m. Debate
- Lack of money or lack of motivation—what really lies behind the tendency to put off decisions about securing one’s future?
- Does the prospect of a retirement gap resonate with young people at all, or does it remain an abstract concept?
- How can we make long-term saving stop being “boring, difficult, and not for me”?
- Financial institutions and social organizations—how can they realistically support people in building their financial future?
- The inclusivity of financial services for seniors as a prerequisite for retirement security and trust in financial institutions
Panelists:
- Piotr Dmuchowski, CEO, PFR TFI
- Agnieszka Jaworska-Martycz, Member of the Management Board, Pension Institute; Member of the Council for Senior Policy, Office of the Prime Minister
- Paulina Muskała-Ruszczyk, Deputy Director of the Brokerage Office, PKO Bank Polski; Chairwoman of the Supervisory Board, PKO TFI
- Andrzej Sołdek, Chairman of the Audit Committee of the Chamber of Commerce of Pension Funds, President of the Management Board, PZU PTE
- Marcin Zieliński, President of the Management Board, Civil Development Forum
Moderation: Katarzyna Sekścińska, Ph.D., Professor at the University of Warsaw, Department of Business Psychology and Social Innovation, Faculty of Psychology
3:50 p.m. Lunch
Day II – April 14th
Insurance Forum
8:30 – 9:00 a.m. Registration
9:00 a.m. – 9:10 a.m. Opening ceremony of the Forum
- Ryszard Bociong, Przewodniczący Rady Programowej Insurance Forum
9:10 – 11:20 a.m. HEALTH AS A SYSTEMIC CHALLENGE – FINANCING HEALTHCARE SERVICES IN THE AGE OF LONGEVITY
Increasing life expectancy and demographic changes pose new organizational and financial challenges for the healthcare system. At the same time, the importance of professional activity among people aged 50+ and measures promoting longer-term health among the population is growing. The debate will focus on the long-term stability of healthcare financing in the perspective of 2035 and the directions of cooperation between the public and private sectors in building a modern, effective, and accessible healthcare system.
9:10 a.m. – 9:25 a.m. Report: The cost of society’s diseases: an analysis of expenditures on sickness benefits, health prevention and trends in extending the working lives of pensioners in Poland
- Sławomir Wasielewski, Member of the Management Board, Social Insurance Institution (ZUS)
- Małgorzata Nietopiel, Advisor to the President of the Social Insurance Institution (ZUS)
9:25 a.m. – 9:40 a.m. Introduction to the debate: Private healthcare spending: weighing the benefits for citizens and the state
- Dorota Fal, Advisor to the Management Board, Expert in Health Insurance and Healthcare, Polish Chamber of Insurance
09:40 – 10:35 a.m. Debate: Health as a systemic challenge – financing healthcare services in the age of longevity
- Longevity Medicine vs. the Traditional Healthcare Model: The Changing Health Profile of Society as a Catalyst for Redefining Insurance Coverage
- The Healthcare System in Poland: Limits of Capacity and the Need for Adaptation, Revitalization of the Healthcare Market
- The Limits of Public Funding: Where Does the Shared Responsibility Model Begin?
- Europe as a benchmark for health & life reforms – what can we learn from the experiences of insurers in foreign markets?
- Longevity as a new economic and systemic paradigm – how tax incentives can accelerate market growth and increase investment opportunities for life insurers
- The insurance gap, the role of protection and savings policies in the context of longer life expectancy.
- More effective health management for an aging society—the development of medical technologies, biomarkers, and personalized medicine
Panelists:
- Aleksandra Friedel, CEO, Unilink
- Marek Postuła, M.D., Ph.D., President of the Polish Society of Longevity Medicine, Medical University of Warsaw
- Mark Osterloff, Head of International SIGNAL IDUNA Group
- Aneta Podyma, CEO, Unum Życie
Moderation: Sławomir Łopalewski, President of the Management Board, LUX MED Insurance
10:25 – 10:35 a.m. Presentation: Long-Term Savings – Financial Challenges in the Age of Longevity
- Mariusz Jaszczyk, Vice President of the Management Board, Polish Development Fund
10:35 – 10:55 a.m. Firechat: How Can mObywatel Support Digital e-Health Services?
- Radosław Maćkiewicz, General Director, Central Information Technology Center (COI)
- Aleksandra Wysocka, Editor-in-Chief, Gazeta Ubezpieczeniowa
10:55 – 11:20 a.m. Debate 2+1: Labour market in the age of longevity – employer responsibility and new models of health care
- Lengthening labour force participation and the evolution of work and human capital management models
- The role of employers in supporting the physical and mental health of employees
Panelists:
- Ewa Krupa, HR Director, Orange Polska
- Dorota Bartkowska, Director of the Health Insurance Department, Compensa TU S.A. Vienna Insurance Group
Moderation: Jacek Gleba, CEO, MDT Medical, MDT Net
11:20 a.m. – 12:00 p.m. THE FUTURE OF THE INSURANCE MARKET STRUCTURE IN POLAND: CONSOLIDATION, COMPETITION AND TRANSFORMATION OF SALES CHANNELS
The purpose of the block is to analyse the impact of consolidation of the insurance market in Poland on its structure, efficiency and innovation. The discussion will focus on whether the concentration of the market in the hands of a few major players is conducive to its development, and on the role of smaller insurance companies and new business models. The block also aims to understand how consolidation affects market penetration and changes distribution channels. The future of intermediaries, who must adapt to changing customer expectations by becoming part of the modern insurance ecosystem, will also be discussed.
11:20 a.m. – 12:00 p.m. Debate: Insurance market under pressure of change: consolidation, distribution, customer
- 15 years of insurance market consolidation in Poland – structure, concentration, pace of change
- Is the concentration of 40-45% of GWP in the hands of the 2-3 most prominent players conducive to market development?
- Scale, efficiency, innovation – which elements does consolidation enhance?
- The place and potential of smaller Insurance Companies – is there room for new business models?
- Will the market continue to shrink in terms of the number of players?
- How does consolidation correlate with market penetration, GPW per capita and GWP/GDP?
- Transforming distribution channels: traditional vs. digital-first
- The future of intermediaries: consolidation, platformization, competition for customers
- The customer as the centre of the ecosystem: changing expectations and channel adaptation
Panelists:
- Marcin Nedwidek, President of the Management Board, UNIQA Poland
- Piotr Narloch, President of the Management Board, InterRisk
- Andrzej Klesyk, Insurance sector leader, Chairman of the Management Board of PZU from 2007 to 2015 and in 2025
Moderation: Ryszard Bociong, Chair of the Insurance Forum Program Council
12:00 – 12:40 p.m. Networking break
12:40 – 2:05 p.m. AI IN INSURANCE: NEW OPERATING MODELS, CUSTOMER EXPERIENCE AND THE LIMITS OF AUTOMATION
The block focuses on the real-world impact of AI on operational models and customer experience in insurance – from global trends, to Polish implementations, to claims practice. Its goal is to separate promises from reality: to show where AI actually improves efficiency, personalisation, and new business models, and where it generates costs, risks, and regulatory tensions. The discussion is expected to provide decision-makers with concrete lessons on how to implement AI in a way that is responsible, cost-effective and builds customer trust.
12:40 – 12:55 p.m. Presentation: Global AI Trends and Best Practices
An overview of key global trends in the development of artificial intelligence and their impact on the financial and insurance sectors. The presentation will highlight practical applications of AI – from hyper-personalization, through AML/KYC automation and fraud detection, to real-time onboarding – and how these translate into the customer experience and new business models for financial institutions
- Tomasz Snażyk, CEO, AI Chamber
12:55 – 1:35 p.m. Debate: AI in insurance: new operating models, customer experience and the limits of automation
- Small AI models and AI agents as the foundation for new operational and customer experience models
- RPA and AI Competence Centres as a catalyst for process and customer experience transformation
- AI in operational models and customer experience: end-to-end automation, fraud and “moments of truth”
- Integrated AI platforms as operational backbone and source of new business models
- Regulations, FIDA and algorithmic liability in AI projects
- The future of personalization and the next wave of AI transformation in insurance
- Can the development of artificial intelligence get out of hand?
Panelists:
- Ernest Wołkowycki-Dołęga, CIO, Allianz Polska
- Jakub Hluzow, Member of the Management Board, Signal Iduna
- Magdalena Macko-Gizińska, Member of the Management Board, Nationale-Nederlanden
- Anna Spyrzyńska-Kołda, Managing Director, Strategy & Transformation, UNIQA Polska
Moderation: Katarzyna Stanisławska, Management Consulting Manager (Insurance Practice), Accenture Polska
1:35 – 1:50 p.m. Presentation: Reality of solutions in the loss adjustment process: analysis of effectiveness and adaptation of innovations in the Polish insurance system
- Marek Jędrasiewicz, Director of the Claims Settlement Department, Trasti
1:50 – 2:05 p.m. BANK & INSURHACK 2026 – FROM IDEA TO IMPLEMENTATION. PRESENTATION BY THE WINNING TEAM
The winning team of the Bank & InsurHack 2026 hackathon will present its solution—from the problem and concept, through the prototype, to its implementation potential. This session serves as a summary of this year’s edition and an inspiration for Forum participants interested in innovation in the financial and insurance sector.
13:50 – 2:05 p.m. Prezentation: Bank & Insurhack 2026
- Kamil Bartkowiak
- Wiktoria Chołko
- Robert Śniczewski
2:05 – 3:55 p.m. POLISH AUTOMOTIVE PARK AND INSURANCE MARKET 2035 – TRENDS, TRANSFORMATION AND MOTOR LIABILITY ECONOMICS
The purpose of the block is to understand the impact of electromobility on the motor insurance market in Poland, taking into account the development of electric, hybrid and autonomous vehicles. The discussion will focus on the consequences of an ageing fleet, changes in the risk profile and the need to adapt insurance tariffs to new technologies. The challenges of implementing autonomous vehicles in Poland and an analysis of European motor insurance models will also be discussed. The goal will also be to understand the determinants shaping motor liability prices, including the role of competition, social expectations, and damage costs, and to develop strategies to build a stable insurance market.
2:05 – 2:15 p.m. Presentation/speech: Global electromobility trends: analysis of market development and implementations in Europe and their potential implications for Poland
- Wojciech Drzewiecki, President of the SAMAR Automotive Market Research Institute
2:15 – 2:45 p.m. Debate 2+1: The future of Polish mobility – barriers, changes and impact on the insurance market
- Ageing of the vehicle fleet – what implications does it have for claims and tariffs?
- Development of hybrid and electric vehicles – how will it change the traffic risk profile?
- Owner segmentation (age, gender, region) versus predictability of behaviour and damages
- Is Poland prepared to realistically implement autonomous vehicles for everyday use in the coming years?
Panelists:
- Wojciech Drzewiecki, President of the SAMAR Automotive Market Research Institute
- Tomasz Jabłoński, Vice President of the Management Board, PKO Leasing
- Jakub Faryś, President, Polish Automotive Industry Association (PZPM)
Moderation: Maciej Gis, Director of Communications and PR at PSNM and Editor-in-Chief of elektromobilni.pl
2:45 – 2:55 p.m. Presentation: Structure and age of the fleet in Poland, dynamics of change and European benchmarks
- Jakub Faryś, President, Polish Automotive Industry Association (PZPM)
2:55 – 3:10 p.m. Introduction to the debate
- Wojciech Jaglak, Risk Consulting Director, EY Poland
3:10 – 3:55 p.m. Debate: Motor insurance market in the context of new technologies and challenges 2035
- The Transformation of Poland’s Vehicle Fleet and the Future of MTPL Premiums
- The Polish MTPL Market Compared to Europe – Sources of Differences in Costs and Claims
- Profitability of the MTPL Market – Does 2025 Mark a Real Turning Point?
- MTPL in 2026 and 2027 – market scenarios, price pressure, and insurers’ readiness
Panelists:
- Tomasz Tarkowski, Member of the Management Board, PZU
- Jarosław Niemirowski, Vice President of the Management Board, Warta
- Piotr Skalski, Director of the Dealer and Leasing Programs Department, Allianz Poland
- Wojciech Rabiej, Member of the Management Board, UNIQA Polska
Moderation: Wojciech Jaglak, Risk Consulting Director, EY Polska
3:55 p.m. LUNCH
