Program

Day II – April 14th

Banking Forum

8:30 – 9:00 Registration

9:00 – 9:10 Official Opening of the Forum

9:10 – 10:00 BANKING SECTOR AND CONSUMERS – COOPERATION OR CONFLICT?

A block dedicated to the relationship between banks and consumers, including building trust, avoiding mass litigation, and the role of new legal regulations. The discussion will focus on how banks can conduct effective dialogue with consumers and how regulations such as DORA, AI Act, PSD3 and CCD2 will impact customer service and sector risk.

9:10 – 9:20 Opening speech

9:20 – 10:00 Debate:

• How should banks shape their offer and relationship with consumers to avoid repeating patterns of mass court disputes?
• Do banks perceive themselves as institutions of public trust and can consumers view them this way?
• Are there institutions, organizations or forums through which banks could conduct dialogue with consumers?
• Will new legal regulations (EU: DORA, AI Act, PSD3, CCD2 and their Polish implementations) help banks in serving consumers or, on the contrary, increase risks?

10:00 – 10:40 INFORMATION RESILIENCE IN THE AGE OF INFODEMICS – A NEW RESPONSIBILITY FOR BANKS

A panel dedicated to the role of banks in building and protecting trust in the conditions of an infodemic. The discussion focuses on information resilience as part of communication strategy, relations with clients and society, and the limits of banks’ responsibility in education and social dialogue.

10:00 – 10:40 Debate:

• How should banks and insurers operate in a world of information overload, disinformation and conflicting narratives?
• Can the financial sector build trust in a society that increasingly distrusts institutions as such?
• Is information and reputational resilience becoming as important today as capital and liquidity?
• Why do banks – despite their key role in protecting money and identity – lose the battle for public trust?
• How to conduct responsible communication with clients in difficult situations (debt, migration, crises) without losing credibility and regulatory compliance?

10:40 – 12:00 A NEW PAYMENTS ARCHITECTURE – HOW IS THE ECOSYSTEM CHANGING?

Understanding how new standards, offline security, cash automation and instant payments are transforming the entire payments ecosystem. Participants will discuss sector challenges and development directions that will define the payments of tomorrow.

10:40 – 11:40 Debate:

• Are offline payments becoming a necessary element of payment system resilience in the face of energy and telecom risks?
• What is the role of cash, self-service branches (VTM) and cash recycling in ensuring customer security and continuity of money circulation?
• How do new payment standards (Elixir ISO, instant payments, SEPA Instant) change customer expectations and banking system architecture?
• Do changes in payment cards (cards without numbers and magnetic stripes) actually increase security and reduce fraud?
• In the context of EU payment regulations, should Poland strive to introduce one national and actually binding data exchange standard between customers and banks, or maintain the current model of market freedom?

11:40 – 12:00 FireChat: Can Poland become a model for non-eurozone countries in designing central bank digital money – technologically, regulatorily and organizationally?

12:00 – 12:40 Networking break

12:40 – 13:40 DATA TRUST & AI-READY DATA IN BANKING – HOW TO BUILD THE FOUNDATION FOR AI AND REGULATION

Understanding how banks and other financial institutions can build a solid data foundation enabling effective AI implementation and data sharing in compliance with regulations. A key theme is data governance, data consistency, data sharing and quality management in the AI context.

12:40 – 12:50 Presentation: From Data Chaos to AI-Ready Data: how to prepare data for AI, regulations and sharing in ecosystems

12:50 – 13:40 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 data usage
• Data sharing in the financial ecosystem: standards, security and exchange models that increase value rather than risk
• How to ensure data consistency and timeliness in AI environments and complex IT architectures – data cataloging and quality
• Data compaction while improving its practical usefulness – is it possible?
• Should banks manage data today as critical infrastructure – on par with payment systems and core banking?

13:40 – 14:40 THE HUMAN IN THE BANK: THE ROLE OF EMPLOYEES, NEW WORK AND MANAGEMENT MODELS

A block dedicated to the changing role of financial sector employees in the context of rapid technological, organizational and cultural transformation. The discussion focuses on how banks should prepare people and organizational structures for new models of work, responsibility and customer relations in a world where technology (including AI) becomes a tool rather than a goal in itself.

13:40 – 14:00 Presentation: AI-first culture as the new organizational DNA. Changing roles and competencies. Workforce transformation in AI-first organizations. How to prepare teams for future challenges?

14:00 – 14:40 Debate: The future role of bank employees

• How is the role of bank employees changing in conditions of continuous technological, regulatory and market change?
• Is the financial sector ready for a permanent change in the work model: hybrid as a standard and a shift from hierarchy and job scope to greater responsibility and autonomy?
• How do new technologies (including AI) change the way teams work, make decisions and collaborate, not just job structures?
• How should managerial competencies evolve to effectively manage distributed, interdisciplinary and technology-supported teams?
• Are financial sector employees prepared for the pace of change and the new customer relationship model requiring greater decision-making, responsibility and ownership?

14:40 – 15:40 THE ROLE OF BANKS IN BUILDING SAVINGS AND RETIREMENT SECURITY FOR POLES

A panel dedicated to the long-term role of the banking and insurance sector in building retirement security for Poles. The discussion focuses on the pension gap as a systemic challenge, the shift from product sales to long-term customer relationships, and the need for cooperation between financial institutions and the state in the face of demographic change.

14:40 – 15:00 Presentation: The role of banks in building trust in the Polish pension system – from products to long-term strategy

15:00 – 15:40 Debate: The future of retirement security

• The pension gap as a systemic risk and a challenge for social stability
• From products to long-term relationships – the bank as a partner in longevity management
• The role of financial institutions in building customer awareness and responsibility for retirement
• Cooperation between banks and the state – where a systemic rather than silo approach is necessary
• How to build long-term saving and investment habits among Poles – from education to understandable retirement solutions (OKI as an example)?
• Financial service inclusivity for seniors as a condition for retirement security and trust in financial institutions

15:40 Lunch

Day II – April 14th

Insurance Forum

8:30 – 9:00 Registration

9:00 – 9:10 Opening ceremony of the Forum by the Chairman of the Banking Forum Program Council

9:10 – 10:30 OPENING BLOCK: NEW CONDITIONS FOR THE FINANCIAL SECTOR IN 2026

In 2026, the transition period ends and the question must be answered whether the current financial sector model is still adequate. Financial institutions operate today in an environment of accumulating geopolitical, regulatory and technological risks, entering a new reality where existing rules no longer apply and stability and resilience must be redefined.

9:10 – 9:20 Introductory presentation: Financial sector in an environment of overlapping change: geopolitics, regulation and technology

Does the current operating model of banks and insurers match the realities of 2026, or does it require a fundamental redefinition?

9:20 – 9:50 FireChat: How banks can contribute to increasing the innovativeness of the country and Polish enterprises (discussion of systemic solutions rather than one-off innovation financing)

9:50 – 10:30 Debate: Poland 2026 – window of opportunity or tipping point? Strategic implications for the financial sector

• Which areas of the financial sector require the most urgent redefinition today to maintain stability, resilience and growth capacity in the coming years?
• How does geopolitics affect the stability of the financial system and the security architecture of the sector?
• Are economic security and sovereign resilience becoming the new overarching context for the financial sector, beyond the classic macroeconomic framework?
• NRPs and the wave of public and private investments: is the financial sector prepared for their scale, structure and pace?
• Investment pressure vs systemic risks: how to finance energy transition, infrastructure and industry without accumulating excessive risks in the economy and bank balance sheets?

10:30 – 12:00 BANK, INSURER AND CUSTOMER OF THE FUTURE – CHANGING THE 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. The discussion will cover how banks and insurers can become partners supporting customers at key life moments, and how models such as Banking-as-a-Service and AI-based technologies affect competitiveness, customer acquisition and cooperation with e-commerce platforms.

10:30 – 10:40 Presentation/FireChat: “The customer relationship of the future”: what do customers really need today from banks and insurers? The role of the bank/insurer as a partner who simplifies decisions, removes barriers and supports customers at key life moments

10:40 – 11:20 Debate: New customer relationship model: banks and insurance in ecosystems

• How is the business model of banks and insurers changing as the customer relationship moves from proprietary channels to purchasing and business processes?
• Is the financial sector ready for a permanent shift from channel models to being present “in the background” of customer purchasing 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 cooperation with e-commerce platforms and ecosystem partners play in new growth models?
• How to design embedded finance and insurance models to maintain control over customer relationships and regulatory compliance?
• Are the customer relationship models we design today resilient to demographic changes?

11:20 – 11:50 Presentation: How can technology support the development of Banking-as-a-Service models in Poland? Is a BaaS model similar to Asian markets possible in Poland? (e.g., mortgage sales in retail chains)

11:50 – 12:10 FireChat: Increasing the efficiency of sales processes and banking/insurance as a service through AI. The discussion will focus on technological and regulatory barriers and opportunities similar to Asian models

• How can AI realistically shorten the sales and decision-making process – from document analysis to the final customer offer?
• Can Agentic AI truly match the offer to the customer’s decision context and moment, rather than only improving service efficiency?
• How to design AI systems in sales and distribution processes to meet AI Act requirements without blocking innovation?
• Building an intelligent Omnichannel environment using AI to deliver a consistent, personalized Customer Journey across all contact channels

12:10 – 12:50 Networking break

12:50 – 14:10 FINANCIAL OPERATIONAL RESILIENCE – A NEW DIMENSION OF SYSTEMIC RISK

A block devoted to operational resilience as the financial sector’s ability to maintain business continuity during extreme crises. The discussion will focus on why traditional risk management approaches are no longer sufficient and how banks and insurers should prepare for unpredictable scenarios.

12:50 – 13:30 Debate: Operational resilience as a new dimension of financial sector security

• Why is classical risk management insufficient in a world of accumulating crises?
• Operational resilience as a new dimension of financial sector security (alongside capital and liquidity)
• Extreme scenarios: blackout, loss of headquarters, data sabotage, hybrid warfare, kinetic attacks
• From confidentiality to data integrity and availability as key system values
• Cross-sector cooperation in protecting critical infrastructure – are we resilient to attacks on other sectors (e.g., energy, telecommunications)?

13:30 – 13:40 Presentation: How to prepare banks for attacks by quantum computers? (post-quantum computing)

13:40 – 14:10 FireChat: Cybersecurity – how to prepare for unknown scenarios? Session moderated by Banks/Insurers. Participants: cybersecurity experts and technology companies

• What new threats are generated by AI and automation in cyberspace? How to prepare for attacks whose scenarios we do not yet know?
• Crisis response models and strategies minimizing risks and consequences of cyberattacks
• What innovative technologies can help detect and neutralize advanced cyber threats in real time?
• What changes in organizational structures (roles, competencies) must be introduced to respond to growing threats?

14:10 – 15:00 CORE BANKING & INSURANCE SYSTEM AND MIGRATION FROM LEGACY SYSTEMS

Developing realistic transformation scenarios for core systems in banks and insurance. The goal is to identify common standards and best practices that can accelerate sector modernization.

14:10 – 14:20 Introductory speech

14:20 – 15:00 Debate: Core system transformation – challenges and strategies

• What is a core system today and how does this definition influence transformation decisions?
• When does modernization make sense and when does replacement become realistically feasible and business justified?
• How do digital resilience, security and operational risk change the approach to core transformation?
• How to combine core systems with agentic AI while maintaining organizational stability and competencies?

15:00 – 16:00 NEW IT OPERATING MODEL IN BUSINESS ARCHITECTURE DRIVEN BY ARTIFICIAL INTELLIGENCE

A block devoted to the real costs, benefits and effects of AI implementations in banks and insurance. The discussion will focus on moving from experimental deployments to scalable AI solutions, the changing role of IT, and governance and control models ensuring stability and efficiency.

15:00 – 15:10 Presentation/report: Analysis of AI implementations – where did savings occur and where did new costs arise? Market data showing operational cost reduction and revenue growth thanks to AI

15:10 – 16:00 Debate: New IT operating model – from experimentation to responsible AI deployments

• How did the first wave of AI investments change the way IT and business processes operate in banks and insurance?
• In which areas did AI deliver measurable cost and operational benefits, and where were expectations too optimistic?
• Which areas were most often automated and brought financial benefits?
• How to define success of AI projects: short-term ROI vs long-term operating model change?
• How is the role of IT changing – from teams to supervision of autonomous systems and AI agents?
• What governance, accountability and control models are necessary for AI to become part of stable business architecture?

16:00 Lunch