Program

Program Framework for the 30th Banking & Insurance Forum

The following topics constitute the preliminary program of the 30th Banking Forum.

Theme: Strengthening the community around the foundations of the sector’s reputation and the sector’s cooperation to enhance the financial security of society and the economy.

1. INAUGURAL BLOCK: FINANCE THAT BRINGS DEVELOPMENT – ABOUT THE POWER OF THE SECTOR TO INVEST IN THE FUTURE

Opening speech: State spending priorities and the banking sector’s role in implementing them

Main speech: Is the banking sector ready today to act as a catalyst for investment in the economy?

Financing the energy and technology transition – a new architecture for cooperation

• Energy and technology transformation – making full use of financing sources and the role of banks in partnerships with the public and energy sectors
• Do banks actually use all available forms of financing for transformation and development?
• How to build a more effective model of cooperation between banks and national development institutions and the capital market?
• Is blended finance the future? How to design a new model for public-private co-investment?
• Is a “roundtable” with key sectors needed to identify priorities and make concrete decisions?

The role of the banking sector in Poland’s economic development and strategic resilience

• What is the role of the banking sector in building institutional stability and public confidence?
• How does the low profitability of banks affect the ability to finance development?
• Why is the loan-to-GDP ratio in Poland still low? What blocks credit growth, and how can banks respond to accusations of “sitting on cash”?
• How can banks support the development of Polish capital and foreign expansion of companies in the face of global trade tensions?
• Should Poland play a more active role in shaping the EU’s strategy towards trade wars and global partnerships?
• Where is the line today between the bank as a financial intermediary and the bank as a responsible partner in socio-economic development?
• How to counter the perception that the banking sector does not sufficiently support the economy?

Develop a “white paper” – a white paper for the banking sector that would bring together the key needs, challenges and demands for increasing the financing of the economy.

2. BALANCE MATTERS – BUSINESSES AND CONSUMERS IN AN ERA OF RISING EXPECTATIONS

• How to build a relationship between entrepreneurs and consumers in times of rising expectations, digitalization and the megatrend of consumer protection?
• Trust as the currency of the future – how can education, transparency and dialogue strengthen the consumer-entrepreneur relationship?
• Trust in banks and insurers – what realistically shapes it today?
• How to strengthen the voice of the consumer in Poland, drawing on the experience of countries where cooperation between business and consumer organizations has a long tradition?
• Shared responsibility – how to design regulations and market practices that protect the consumer, but do not inhibit innovation and business development?
• How to counter consumer skepticism and strengthen education about finance, investment and risk?
• A hybrid branch model combining personal contact with digital service for better accessibility and customer satisfaction

3. THE NEW ARCHITECTURE OF DIGITAL FINANCIAL ECOSYSTEMS

Introductory presentation #1: Examples of selected financial ecosystem model (Beyond Banking, Bancassurance, Banking-as-a-Service, In-Store Banking) in the world

Introductory presentation #2: Examples of new approaches to corebanking in the future.

• Firechat #1: New models for offering financial services, including in partnership with other sectors e.g. retail, e-commerce – global experience
• Firechat #2: The role of the bank as a provider of IT infrastructure, including for public and private services.
• Debate: What is the idea of corebanking in the future? (microservices core, corebanking in the cloud, banking-as-a-service, coreless?)

4. THE IMPACT OF ARTIFICIAL INTELLIGENCE (AI, GenAI) ON THE TRANSFORMATION OF THE FINANCIAL SECTOR

Main speech: What could be the role of Polish banks in the development of AI in Poland?

Introductory presentation: Implementation of artificial intelligence in light of local and European regulations – the problem of “blackbox”, discrimination, protection of personal data

Firechat session: AI without theory – concrete implementations and questions to ask

• Firechat#1: Leveraging with AI to analyze customer documentation (individual and corporate customer, full process automation)
• Firechat#2: Leveraging AI for credit scoring – how to provide more automation while reducing the number of so-called “bad loans”?
• Firechat#3: Using AI for private banking customer service – personalized financial advice 24/7
• Firechat#4: Using AI for claims reporting and settlement – lesson learned from the insurance sector
• Firechat#5: Agentic AI, Small LLM, – what to test, what to scale, what to build together?

Concluding debate: AI for the sector – shared infrastructure, competencies, responsibilities

• Is it possible and reasonable for Polish banks to jointly create a common AI solution for the sector – along the lines of BLIK?
  • what organizational, legal and technological conditions must be met to create an AI consortium?
  • what should be the role of the state, regulators and integrators in creating a common AI infrastructure?
  • is it possible (and necessary) to develop a Polish framework for artificial intelligence in the financial sector?
• Do we need a common technological infrastructure for the entire sector?
• How can the sector support the development of employees’ competencies and protect their professional sensitivity in the era of automation?

5. TECHNOLOGY SECTOR INITIATIVES AS AN OPPORTUNITY FOR BETTER CUSTOMER PERSONALIZATION – CAN WE COLLABORATE AS A SECTOR?

• AML
• Shared infrastructure under AI systems – is it real?
• KYC
• Antifraud
• BCP
• Resilience – business continuity
• Unauthorized payments
• Quantum technologies/quantum computers
• Quantum-safe security
• Crypto resilience

6. CYBER RESILIENCE – INSPIRATION FOR THE FINANCIAL SECTOR

Introduction: Inspiration from other sectors – case study from another industry: DDoS attacks

• Deepfake – when a false face speaks with a real voice. Where does trust end?
• Will “zero trust architecture” become the standard in the financial sector? Do we have an alternative?
• Supply management – how to ensure full governance and auditability of the entire process in light of regulatory requirements

7. CIO SUMMARY DEBATE (TECHBOARD MEMBERS)

8. MACROECONOMICS, CAPITAL AND FINANCIAL SOVEREIGNTY – WHAT’S NEXT FOR POLAND’S DEVELOPMENT MODEL?

Opening speech: From the Periphery to the Center. How to build a sustainable model for Poland’s financial development?

Debate:

• How to limit the transfer of foreign profits and build independent domestic capital?
• How can banks, investment funds and the capital market jointly mobilize capital for the development of Polish companies?
• The end of the peripheral model – how to move from dependent development to building national capital potential and financial sovereignty?

9. TRUST UNDER LEGAL PRESSURE – HOW TO REBUILD THE CREDIBILITY OF THE FINANCIAL SECTOR?

• How does the experience of legal risks affect the health of the financial sector, and what can we do to turn it into sustainable resilience for the sector?
• How to better understand legal risks – as a viable precautionary factor or as a signal of the need for dialogue and joint design of the rules of the game?
• Optimizing risk management processes while meeting regulatory requirements
• Banks’ cooperation with regulators as a mechanism for adapting to the changing regulatory environment

10. TSUE REGULATION AND JURISPRUDENCE AND BANKS’ ABILITY TO FINANCE DEVELOPMENT – BETWEEN RISK AND LIABILITY

• Does the banking sector need deregulation to promote investment more effectively?
• What are the consequences for banks of unfavorable CJEU rulings (WIBOR, sanction of free credit)
• Why is the banking sector subject to so many preliminary questions – the case of Poland or a systemic problem
• Does legal risk limit banks’ appetite for lending?
• Is it possible to change the jurisprudential line – the role of the sector, regulators and the government?
• How to reconcile the stability of the system with the need to open up to greater credit and market risk?