Program 29. Banking & Insurance Forum
STANDARD PART
STANDARD PART
Program for the 29th Banking & Insurance Forum
Day I,
29. Banking & Insurance Forum
8:30 – 9:00 Registration of participants
9:00 – 9:15 Opening ceremony of the Forum
- Józef Wancer, Honorary Chairman of Banking Forum
9:15 – 10:30 INAUGURATION BLOCK: INVESTMENT GROWTH AS THE KEY TO STABLE DEVELOPMENT OF POLAND
The Polish economy requires strategic decisions to finance key sectors, such as energy transition, arms industry, infrastructure development, and digitization. Do we need a transformation on the scale of that of 1989 to meet today’s challenges and ensure international competitiveness?
9:15 – 9:30 Keynote speech: How we can work together to support the implementation of key national projects
9:30 – 9:45 Keynote speech: Global change and the future of investment
- Ary Naïm, Country Manager, The World Bank
9:45 – 10:30 Debate: Investment growth as the key to Poland’s stable development
- How can banks and financial institutions support the implementation of key national projects
and build the foundation for Poland’s future development? - Is the low investment rate a real problem for the Polish economy, or just a myth?
- Could deregulation help increase the level of investment?
- What are the capabilities of banks and financial institutions operating in Poland to finance key energy, infrastructure and strategic projects?
- What measures are worth taking to strengthen procurers, contractors and financing institutions in the implementation of strategic investments?
Speakers:
- Brunon Bartkiewicz, President of the Management Board, ING Bank Śląski
- Piotr Bieżuński, Director of the Organizational Growth and Support Division, PKO Bank Polski
- Dariusz Blocher, Member of the Council, Polish Association of Construction Industry Employers
- Joanna Karwowska, Co-Head Capital Markets Poland, Panattoni
- Andrzej Przewięźlikowski, Vice President of the Management Board, Comarch
- Ewa Sowinska, Member of the Supervisory Board, ORLEN
- Piotr Żabski, President of the Management Board, ALior Bank
Moderated:
- Łukasz Kijek, Secretary of the Program Council of the Banking Forum, Head of the editorial department of Money.pl, author of the program “Business Class”.
10:30 – 12:00 GREEN TRANSITION AND ENERGY FINANCING – PARTICIPATION OF THE FINANCIAL SECTOR
Energy transformation is a key development direction that requires strategic investment. Poland faces the challenge of building a sustainable energy system that will ensure the stability of energy supply and support the development of technologies, such as SMR, AI and green innovation, in banking and insurance. How can the financial, technology and energy sectors meet these challenges together?
10:30 – 10:50 FireChat: Energy and financial sector experts
- RES, nuclear power, grid infrastructure or energy storage today most in need of financing?
- What barriers to accessing financing do investors and operators in the energy sector see?
10:50 – 11:00 Presentation: Are SMRs the future of green energy, providing the energy needed for AI development?
- Marcin Ciepliński, Head of Strategy & Development – Business Development and Strategy, Orlen Synthos Green Energy
11:00 – 12:00 Debate: Green transformation and energy financing – participation of the financial sector
- The role of the banking and insurance sector in an efficient and sustainable energy transition – support for the economy, companies and households
- New Energy for Poland – How can global climate action affect the financing of Poland’s green transition in the face of global climate challenges?
- How can Poland find its path to energy transformation involving both large companies, SMEs and individual customers?
- Managing risks associated with power infrastructure failures – how can insurance help in crises?
Speakers:
- Mikołaj Budzanowski, CEO CEE, EIT InnoEnergy
- Michał Mrożek, Vice President of the Management Board, ING Bank Śląski
- Adam Pers, Vice President of the Management Board, mBank
- Łukasz Pobudejski, Managing Director, BNP Paribas Bank Polska
- Wojciech Przybył, Vice President of the Management Board, Alior Bank
- Jakub Sajkowski, Managing Director for Corporate Business, PZU SA, Member of the Supervisory
- Leszek Stypułkowski, Member of the Management Board, Bank Gospodarstwa Krajowego
- Magdalena Zmitrowicz, Member of the Management Board, Bank Millennium
Moderation:
- Tadeusz Woszczyński, Chairman Banking & Insurance TECH Advisory Board
12:00 – 12:45 Networking break
12:45 – 13:30 NATIONAL SECURITY FINANCING: ARMAMENTS, DEFENSE
The dynamically changing geopolitical and technological environment poses key national security challenges for Poland, including the development of the defense sector and the protection of critical infrastructure. How to create an effective model that will enable the financial sector to actively invest in these strategic areas?
12:45 – 13:30 Debate: National security financing: armaments, defense
- What are the needs for funding national security projects?
- How can the financial sector work more effectively with the country’s defence institutions?
- Building a bank fund – how can an effective system of preferential credit financing for the arms sector be developed?
- Dual-use technologies and defence financing – how can the financial sector support strategic investment in innovation for geopolitical challenges?
- Will Zero Trust Architecture become the standard in the financial sector? What is the experience of Eurozone banks in this regard?
Speakers:
- Andrzej Burliga, Vice President of the Management Board of Santander Bank Polska S.A. heading the Risk Management Division
- Piotr Dylak, Head of Trade Finance Department, BNP Paribas Bank Polska SA
- Beata Frankiewicz – Boniecka, Director of the Strategic Client Department, Bank Pekao S.A.
- Paweł Karbownik, Undersecretary of State, Ministry of Finance
- Col. PhD Eng. Artur Król, External Funds Team, Innovation Department, Ministry of National Defence
- prof. Paweł Wojciechowski, Chairman of the IFP Program Council, Institute of Public Finance
Moderation:
- Jacek Marcin Raubo, Head of Strategic Analysis Department, Defence24
13:30 – 14:45 COUNTERING CRIME IN THE DIGITAL WORLD
With the growing threat of cybercrime, it is becoming crucial to implement innovative technologies, such as behavioral biometrics and AI, in the fight against fraud. What tools used in banking and insurance help detect crime in real time? Is there enough cooperation between banks, insurance companies, the defense sector and public institutions to meet the growing threats in cyberspace?
13:30 – 13:45 Presentation: Zero Trust architecture implementation concept
- Paweł Wieczorek, Global Head of Data Security, Nordea Bank
13:45 – 14:00 Presentation: The condition of Polish companies in 2025 KRD scoring as a complement to the scoring of a financial institution. Is it possible to improve parameters while maintaining the speed of the process?
- Jakub Obarzanek, Director of the Strategic Client Department, Krajowy Rejestr Długów BIG S.A.
14:00 – 14:45 Debate: Countering crime in the digital world
- What are the biggest challenges associated with the increasing number and complexity of cyber attacks (e.g., ransomware, phishing, deepfake)?
- Protecting personal information in the age of cyber threats – how to effectively protect customer information in the face of new cyber security challenges?
- Information exchange between sectors. How can sectors effectively share data to counter fraud and cybercrime?
- Real-time fraud detection with smooth operations
- Sectoral projects (e.g., sectoral AML)
- Fight against deepfake in customer identity verification
- Using AI to counter crime
- How do unauthorized payment transactions affect banking security in Poland?
- Cyber risk insurance – are offerings keeping up with threats?
- Data protection standards in data processing for national defense purposes
- Cyber education for financial sector employees and customers is a guaranteed defence against cyber attacks
Speakers:
- Jerzy Judycki, Product owner, Polska Wytwórnia Papierów Wartościowych
- Marcin Schubert, Director of Cyber Security Technology Department, Santander Bank Poland
- Krzysztof Slotwinski, CISO, BNP Paribas Bank Polska S.A.
- Malgorzata Splett, Head of the Financial and Cyber Insurance Practice in Poland and Central and Eastern Europe, Marsh
- Zdzisław Wojtera, Vice President of the Management Board, Alior Bank
- Miroslaw Wroblewski, President, Office for Personal Data Protection
Moderation:
- Paula Januszkiewicz, CEO, CQURE & CQURE Academy
14:45 – 16:15 NEW BUSINESS MODELS: BANKS AND INSURANCE COMPANIES IN SEARCH OF THEIR PATH
The banking sector faces the challenge of adapting to new technological realities and growing consumer expectations. Innovative business models inspired by leaders in retail, e-commerce and logistics are becoming the key to competitive advantage. How can banks and insurance companies use technology to better respond to market needs and improve customer relations?
14:45 – 15:00 Presentation:
Banking as a service and digital mortgage bank using AI in Japan – success of SBI Sumishin Net Bank
- Tomokazu Yokoi, Vice-president, SBI Sumishin Net Bank
- Tsuyoshi Shida, Head of the Data Science Department, SBI Sumishin Net Bank
15:00 – 15:15 Presentation: Agentic AI – a new era of autonomous agents in business. What is Agentic AI and what is its potential in the short, medium and long term
- Piotr Zając, Solution Consultant, AI & ML, SEE, UiPath Poland
15:15 – 15:25 Presentation: Insurance as a service
- Iwona Kondracka, Managing Director of Technology and Insurance Digitization, SALTUS Insurance
- Jacek Nowak, Partner, ITSurance Group
15:25 – 16:15 Debate: New business models: banks and insurance companies in search of their path
- Innovation in banks’ business models as a source of growth
- Is the financial sector keeping up with the pace of innovation seen in other industries? What steps can accelerate change?
- What could drive the financial industry in the future? New technologies, trends, or perhaps a more open approach to cross-sector collaboration?
- Is the Polish financial market ready for partnerships with other sectors, and how can such collaborations make the industry more competitive?
Speakers:
- Joao Bras Jorge, President of the Management Board, Banku Millennium
- Artur Maliszewski, President of the Management Board, Europa Ubezpieczenia
- Adam Marciniak, President of the Management Board, VeloBank
- Grażyna Piotrowska-Oliwa, Member of the Board of Directors of Pepco Group NV, Investor and CEO of Fashionable Shopping Group, Investor and Chairman of the Supervisory Board at Rentplanet
- Szymon Wałach, President of the Management Board, InPost
Moderation:
- Sławomir Soszyński, Vice President of the Management Board, ING Bank Śląski
16:15 Lunch
Day II,
29. Banking & Insurance Forum
8:30 – 9:00 Registration
9:00 – 9:10 Opening of the Forum
9:10 – 11:00 FROM MOBILE CUSTOMER TO MACHINE CUSTOMER
Generative AI is revolutionizing customer service in the financial sector, moving from mobile apps to a more sophisticated machine-based experience that creates personalized experiences and reduces operational costs. By automating processes such as credit risk assessment, AI is making financial institutions more efficient.
9:10 – 9:25 Presentation: AI + EI = Technology for People
- Małgorzata Żuchowska, President of the Management Board, TP Polska
9:25 – 9:40 FireChat: Artificial intelligence in credit scoring automation
- Michał Jankowski, Digital Business Partner CEE, Hitachi
- Wojciech Iwański, Partner, Sołtysiński Kawecki & Szlęzak
9:40 – 10:45 Debate:
- Machine Customer as the next wave after Mobile Customer
- How can Gen AI reduce a financial institution’s operating costs?
- AI in credit and insurance scoring – new standards for risk assessment
- The future of AI in banking and insurance by 2030. What changes are in store for customers, and in what areas will they gain from the development of AI?
- GenAI-based hyperpersonalization in banking. How will artificial intelligence affect customer experience in the financial sector?
- Can intelligent bots improve the tailoring of offers to individual customers?
- Agentic AI – the new era of autonomous agents in business. What is Agentic AI and what is its potential in the short medium and long term?
Speakers:
- Piotr Mazur, Vice President of the Management Board, PKO Bank Polski
- Janusz Mieloszyk, Vice President of the Management Board, Nest Bank
- Rafał Mosionek, Vice President of the Management Board, Compensa
- Anna Wijata-Korabiusz, chief operating officer, TP Polska
- Tadeusz Woszczyński, Country Manager, Hitachi
- Marcin Zygmanowski, Vice President of the Management Board, Bank Pekao S.A.
- Marcin Żuchowicz, President of the Management Board, e-point
Moderation:
- Magdalena Macko-Gizinska, Member of the Board for Customer Relations, Nationale-Nederlanden
10:45 – 11:00 Presentation: Financial Cloud for Wealth Management – How is AI changing the client-advisor relationship?
- Is personalization, automation and AI the secret sauce that everyone should build themselves? How much will it take and cost?
- Ready-to-implement Financial Cloud for Wealth Management solutions – sample client and advisor pathway
- AI in Wealth Management – how to minimize risk while maximizing benefit
- Jakub Weber, Head of Financial Services Business Line, Enxoo
11:00 – 12:00 GENERATIONS VS. BANKING AND INSURANCE
Demographic changes and generational differences are driving banks and insurance companies to better tailor services to the needs of different age groups, from Generation X, to Y, to Z, to Silver customers.
11:00 – 11:20 Presentation: Demographic prospects and the financial market – key data and forecasts for Poland
- PhD Katarzyna Sekścińska, Professor, Department of Business Psychology and Social Innovation, Faculty of Psychology, University of Warsaw
11:20 – 12:00 Debate: Generations vs. banking and insurance
- The art of attracting customers – are banks and insurers keeping up with evolving standards?
- Generational differences in attitudes toward banking and insurance – what motivates customers when choosing an offer?
- The influence of social and economic factors on the decisions of representatives of Generations X, Y and Z.
- What strategies are banks and insurance companies using to tailor their offerings to Silver customers better?
- Information policy and responsible marketing – how to communicate effectively with Gen Z, and how to communicate with the Silver generation?
- Channels and models for selling financial and insurance products – differences and similarities between generations.
- How do technologies support the personalization of offerings and optimization of customer service in banking and insurance?
Speakers:
- Tomasz Borowski, CEO, Vienna Life
- Jacek Iljin, Vice President of the Management Board, Alior Bank
- Marcin Kaczmarek, Member of the Management Board, Phinance S.A.
- Janusz Mieloszyk, Vice President of the Management Board, Nest Bank
Moderated:
- Katarzyna Rynkiewicz, Member of the Management Board, Aon
12:00 – 12:40 Networking break
Day II, 29. Banking Forum
12:40 – 13:35 POLISH BANKING OF THE FUTURE – PEOPLE, TALENT AND TECHNOLOGY IN THE ERA OF TRANSFORMATION
The panel will discuss the impact of global constraints on the development of the digital economy in Poland and strategies for attracting technology investment. Demographic changes and the role of talent in shaping the future of banking will also be presented, with a focus on technological innovation and its impact on the financial sector.
12:40 – 12:50 Introductory speech: Poland in the global technology race: digital strategies for sovereignty and innovation
- dr Dariusz Standerski, Secretary of State, Ministry of Digitization
12:50 – 13:05 Presentation: Data protection 2.0 with Cyber Vault
- Jarosław Wilk, Chief Technology Officer, Engave S.A.
13:05- 13:35 FireChat: Poland in the context of the global technology race
- Poland among countries with limitations – what are the implications for the development of artificial intelligence and the digital economy in Poland?
- Global competition for access to advanced technologies – how can Poland respond to such constraints?
- The future of the Polish economy as an “assembly plant.” How to attract technology investment and change Poland’s role in the global supply chain
- Małgorzata Dąbrowska, Vice President of the Management Board, BNP Paribas Bank Polska S.A.
- Jarosław Dąbrowski, Member of the Management Board, Bank Gospodarstwa Krajowego
- Przemysław Koch, Member of the Management Board, VeloBank
Moderation:
- Aleksandra Gren, Member of the Supervisory Board, mBank S.A.
13:35 – 14:35 LEGISLATION – HOW POLAND CAN BECOME A SAFE PLACE TO INVEST
The Polish economy needs stable investment, but the increasing number of regulations, changing interpretations of the law and undermining of contracts are making the investment climate increasingly unpredictable. How do we create a legal system that does not deter capital, but supports the development of strategic sectors such as energy, defense and new technologies? It’s time for an open debate about the future of financing and the necessary legislative changes.
13:35 – 13:50 Introductory lecture: Legal challenges and prospects in litigation and banking security in Poland
- Piotr Szwechłowicz, Managing Partner, Legal Counsel, JNS Legal
13:50 – 14:45 Debate: Legislation – how poland can become a safe place to invest
- Excessive regulations vs. the needs of the economy. Impact of regulation on banking sector development and investment in key areas?
- Contract undermining and its consequences – how does legal instability affect Poland’s image and investors’ willingness to commit capital?
- What regulatory barriers make it difficult for the financial sector to support strategic investments?
- Is it possible to “reopen” the sector’s dialogue with supervision in the context of increasing financing for economic development?
- The image of Poland as a country of over-regulation – how is this reflected in investments and is it possible to change this perception?
Speakers:
- Tadeusz Białek, President, Polish Bank Association
- Daniel Mańkowski, President of the Management Board, Competition and Consumer Protection Office
- Marek Lusztyn, Vice President of the Management Board for Risk Management, mBank
- Piotr Szwechłowicz, Managing Partner, Legal Counsel, JNS Legal
Moderation:
- Prof. Dr. Małgorzata Zaleska, Director of the Institute of Banking, SGH
14:45 – 15:30 DIGITIZATION OF BANKING PROCESSES ON THE EXAMPLE OF DIGITAL MORTGAGE
Automating credit processes using AI and Big Data helps streamline credit analysis. What changes are digital signatures and other innovations bringing to mortgage processes, improving the speed and efficiency of banking decisions?
14:45 – 14:55 Case study: Innovations in the Polish banking sector on the example of digital mortgage
- Mariusz Dymowski, Director of the Mortgage Banking Center, PKO Bank Polski
14:55 – 15:30 Debate: Digitization of banking processes on the example of digital mortgage
- Automating creditworthiness analysis – the role of AI and Big Data. Scoring using AI in credit processes
- Shorten the decision-making process with AI
- Access to State records
- Electronic signatures and documents to eliminate bureaucratic barriers
- Inspiration from abroad in improving mortgage offerings in Poland
Key challenges:
- Transparency and explainability of AI decisions
- Laws and regulations (e.g., regarding mortgage registration)
Speakers:
- Kamil Biedroń, Head of Business Legal Services Department, Santander Bank Polska
- Krzysztof Bratos, Vice President of the Management Board, mBank
- Marcin Giżycki, Vice President of the Management Board, ING Bank Śląski
Moderation:
- Marzena Wiszniewska, Data Risk Lead, Nordea Bank
15:30 Lunch
Day II, 29. Insurance Forum
12:40 – 13:55 AS THE WORLD CHANGES – WILL CATASTROPHE INSURANCE KEEP UP WITH REALITY?
What have the recent natural disasters taught us, and how will they affect the insurance system in Poland? Do we need legislative changes, joint funding and adaptation of international solutions? We will focus on the limits of state and market liability in the catastrophe insurance system.
12:40 – 12:55 Introductory presentation: Natural disasters as lessons – insights for the future
- Hendre Garbers, Senior Economist, Swiss Re Institute
12:55 – 13:15 FireChat: Catastrophe insurance and State liability
- Where is the line between the market and public intervention?
- Do we need legislative changes and joint funding for conservation programs?
- State crisis management in the face of disasters – are we prepared for it?
Speakers:
- Slawomir Wasielewski, Member of the Board of Directors overseeing the Systems Operations and Operation Division, Social Insurance Institution
- Paweł Jaworski, Director of Climate Change Adaptation and Urban Policy Department, Ministry of Climate and Environment
Moderation:
- Prof. Dr. Adam Sliwinski, Head of the Department of Risk and Insurance, Warsaw School of Economics
13:15 – 13:45 Debate: Insurance companies’ vision in the face of volatility
- What international catastrophe insurance solutions could be adapted to the Polish market?
- Insurance gap in highly volatile sectors – how to counter it?
- Is the introduction of mandatory universal insurance a social necessity or an assault on individual freedom?
- Flood damage handling in Poland as a test of the effectiveness of the support system and the efficiency of crisis management – how did we pass it?
Speakers:
- Paweł Łukuć, President, Vig Expert
- Radosław Kamiński, General Counsel, Allianz
- Tomasz Tarkowski, Member of the Management Board, PZU
Moderation:
- Ida Krzeminska-Albrycht, Managing Editor, Cashless.pl
13:45 – 13:55 Case study: Payments as key to innovation in insurance: new models and opportunities
- Evolution of customer expectations – digitization, personalization, impact of Gen Z and Millenials
- Payments as a catalyst for innovation – subscriptions, embedded insurance, automation, faster payouts
- Inspiration from other industries – fintech, retail, subscription economy
- Challenges and solutions – how to overcome technology and regulatory barriers?
- Maciej Świderek, Enterprise Sales Manager, Adyen
13:55 – 14:20 HEALTH AND LIFE ON YOUR TERMS THROUGH INSURANCE
Modern health and life insurance – are they tailored to the needs of different age groups, including the elderly? What is the importance of regulations and state support in the development of medical infrastructure? And the main challenges facing health care in Poland.
13:55 – 14:20 Debate 2+1:
- Drivers and brakes of medical insurance growth – is their development in Poland possible without state support and regulation?
- Treatment and patient financial security – what modern products do insurers offer?
- Matching life and health products to the needs of the elderly and in the context of retirement security
- Will the planned expansion of private medical facilities solve the problem of access to health care?
- The importance of complementary health insurance
- European Health Data Space – will the introduction of this initiative enable more accurate health risk estimation?
Speakers:
- Weronika Dejneka, Member of the Management Board, PZU Zdrowie
- Slawomir Łopalewski, Member of the Board, Managing Director of LUX MED Ubezpieczenia
Moderation:
- Aleksandra Wysocka, Editor-in-Chief, Insurance Newspaper
14:20 – 14:55 DIRECTIONS OF CHANGES IN MOTOR INSURANCE
Changes in motor insurance in the context of amendments to the Law on Compulsory Insurance will affect all vehicle owners. What exactly do they refer to, and what novelties await us in the field of motor damage settlement?
14:20 – 14:45 Debate: Challenges of motor insurance
- What specific changes are introduced by the amendment to the Law on Compulsory Insurance?
- At what level should average OC/AC premiums oscillate in order to ensure the profitability of insurers and at the same time not overburden drivers?
- Amendment of the law and the principle of “lex retro non agit” – The impact on OC guarantee amounts
- Can advanced policy analysis help minimize the risk of underinsurance and unexpected damage costs?
- How to simplify the settlement of traffic damages? Examples of solutions available on the market and new developments
- How can AI speed up and simplify the claims process?
Speakers:
- Grzegorz Czekiel, CEO, ControlExpert
- Michał Gomowski, Vice President of the Board, Link4
- Jacek Rink, Dyrektor Działu Rozwoju Ubezpieczeń Komunikacyjnych, UNIQA
- Dr. Michal Ziemiak, Financial Ombudsman
Moderation:
- Fryderyk Kriger, Legal Counsel, specialist in insurance, loss adjustment, litigation and recovery, JNS LEGAL
14:45 – 14:55 Case study: How to simplify the settlement of traffic damages? Examples of solutions available on the market and new developments
- A process improvement or a challenge nonetheless? New digital accident protocols – mStłuczka (mCollision)
- How can AI speed up and simplify the claims process?
14:55 – 15:30 HUMAN RESOURCES IN INSURANCE
Effective collaboration management and strategic talent development in insurance companies are significant challenges in today’s labour market. With a dynamically changing environment and rising customer expectations, the sector requires flexibility, innovation and effective management of diverse human resources.
14:55 – 15:30 Debate: Human resources in insurance
- Will insurance companies be seen as attractive employers?
- What will be the key challenges for HR departments in insurance companies over the next five years?
- Are insurance companies interesting from the perspective of developing the younger generation, especially in the IT area?
- AI in insurance – support or threat to agents?
- How to effectively manage the cooperation of several generations in insurance companies to realize their full potential?
- How do insurance companies support mental health: innovative solutions and products for the 21st century?
Speakers:
- Ewelina Bystros, Director of Human Resources and Administration, INTER Polska
- Liwia Kwiecień, Member of the Management Board, Nationale-Nederlanden
- Piotr Lipa, Member of the Management Board, UNIQA
- Igor Rusinowski, President, Unilink Group
Moderation:
- Anna Wardecka, Managing Director of HR, PZU
15:30 Lunch
*Organizer reserves the right to change.
Update 17/03/2025
