Program 28. Banking & Insurance Forum*
Day I, 28. Banking & Insurance Forum
8:30 – 9:00 Registration of participants
9:00 – 9:30 Opening ceremony of the Forum
9:30 – 10:45 INAUGURAL BLOCK: CHANGES IN THE STRUCTURE OF ECONOMIES VS. BANKS AND INSURERS TO MATCH
9:30 – 9:45 Speech: Future prospects for the financial sector
9:45 – 10:00 Speech: Main conclusions of economic and macroeconomic reports and prospects
10:00 – 10:45 Debate
- Analysis of economic trends and their impact on the financial sector and business strategies
- Forecasting: how the sector is responding to changing economic structures and what the key challenges and opportunities for the industry are in terms of future economic trends
- The place of the banking and insurance sector on the map of Europe
- EU presidency – how can we make good use of it this time?
- The impact of the Capital Markets Union (CMU) on increasing the competitiveness of the European financial sector
- Development and integration of EU capital markets as a way to support SMEs and cross-border investment
- The role of bank equity in financing development
- Consolidation of sectors – how many and which banks and insurance companies do we need?
- Are changes expected in the structure of the Polish banking and insurance sector?
Speakers:
- Tomasz Bardziłowski, President of the Board, Giełda Papierów Wartościowych w Warszawie
- Brunon Bartkiewicz, President of the Board, ING Bank Śląski
- Zdzisław Wojtera, Vice-President of the Board, Alior Bank
Moderation: Łukasz Kijek, Editor in Chief, Money.pl
10:45 – 12:00 POLAND AS AN ARCHITECT OF DIGITAL TRANSFORMATION
- Dariusz Standerski, Secretary of State , Ministry of Digitization
10:45 – 11:00 Report/speech: Technology as an engine of the economy: Poland’s position against global trends in innovation
11:00 – 12:00 Debate
- How can Poland effectively use its stability and security to effectively integrate into global technological change?
- How to facilitate implementation by mindset and law? Sectoral cooperation within RegTech
- Why are implementations abroad cheaper and more attractive? How does the global market attract product developers?
- Alliances between sectors: projects, educational platforms and academic ecosystem and joint initiatives, examples of successful collaborations
- Why are we so slow to adopt technologies (AI, cloud)? Why aren’t public clouds being used?
Speakers:
- Magdalena Nowicka, Vice-President of the Board, BNP Paribas Bank Polska
- Grzegorz Pawlicki, Board Member, Chief Information Officer, Europa Ubezpieczenia
- Andrzej Przewięźlikowski, Vice-President of the Board, Comarch
- Sławomir Soszyński, Vice-President of the Board, ING BANK ŚLĄSKI
- Błażej Szczecki, Vice-President of the Board, Bank Pekao S.A.
12:00 – 12:45 Networking break
12:45 – 14:30 SECURITY & DATA IN THE FINANCIAL SECTOR
12:45 – 13:15 Debate 2+1: Key Challenges and Strategies in Financial Sector Security Management
- Risk management strategies in the context of growing threats
- Preparing financial infrastructure for digital disruptions
- Impact of geopolitical threats on financial sector cyber security
- Protecting customer data – challenges and regulations
- Current threats and effective data management strategies
Speakers:
- Tadeusz Białek, President of the Board, Polish Bank Association
13:15 – 14:00 Debate: Data in banking and insurance – battle or collaboration?
- Common data needs of financial institutions (risk, fraud, ESG)
- Barriers to data exchange between the banking and insurance sectors
- The role of the State in the newly emerging “Data Economy” – data sharing, animation of the innovation ecosystem, digital identity infrastructure
- Open Finance – or maybe a revolution will happen in the open finance area ? The state of regulation (PSD2, PSD2, FIDA, DGA) and its impact on the fintech and insurtech market. Is a cross-sectoral venture possible ?
Speakers:
- Monika Leżyńska, Vice-President of the Board, Allianz
- Marcin Żuchowicz, President of the Board, e-point
14:00 – 14:30 Debate: AI Governance
- Use cases – where the market is working and where there is potential
- Risks of various nature associated with AI
- What conditions must be met to realise the potential, but not violate the public trust
14:30 – 15:00 NEW PARADIGMS OF DIGITIZATION: MCITIZEN INTEGRATION AND INNOVATION
14:30 – 14:40 Presentation: The range of developing capabilities of the mCitizen application after the eIDAS 2.0 regulation (presentation of the application functions)
- Rafał Sionkowski, mObywatel 2.0 Chief Product Owner, COI
14:30 – 15:00 Debate
- Digitization of public services: mCitizen as a tool for civic activism
- eID – whether and how banks and insurers can benefit from the amended eIDAS regulations in the context of electronic identity
- How will the planned “road collision” module serve to change the picture of the loss adjustment process?
Speakers:
- Radosław Maćkiewicz, Director, COI
15:00 – 15:45 STRATEGY OF POLAND AND EUROPE IN THE AGE OF DEMOGRAPHIC CHALLENGES
15:00 15:45 Debate
- Demographic time bomb: preparing the financial sector for an ageing population
- Operation of health care and social security facilities
- How is the market for the benefits offered to change?
- Reasons and consequences of lack of longevity risk insurance in Poland
- Savings and pension gap – proposals for effective solutions
- Development of mutual funds and long-term saving
Speakers:
- Marcin Czugan, President of the Board, Związek Przedsiębiorstw Finansowych w Polsce
- Agata Filipowicz-Rybicka, Chief economist and director of DAM, Alior Bank
- Tomasz Pactwa, Director of the Family Policy Department, Ministry of Family, Labour and Social Policy
- Małgorzata Rusewicz , President of the Board, Chamber Pension Plan
- Józef Wancer, Honorary Chairman of the Supervisory Board, BNP Paribas Bank Polska S.A.
Moderation: Izabela Kozakiewicz, CEO iKsync, CEO Trampki na giełdzie
15:45 Lunch
Day II, 28. Banking Forum
8:30 – 9:00 Registration of participants
9:00 – 9:10 Opening Forum
9:10 – 10:10 REGULATORY AND MACROECONOMIC CHALLENGES FOR BANKS
9:10 – 9:25 Speech
9:25 – 10:10 Debate
- Higher for longer? Are banks prepared for the new regime, interest rate environment and new macroeconomic scenarios? Profitability and risk management of banks
- Poland’s housing policy and the role of the banking sector in its implementation, as well as required changes in the housing loan market
- Reference rate reform and its consequences. Problems associated with the transition to the new reference rates and the impact on loan agreements and banks’ strategies
- Regulacje dotyczące kapitału i płynności, i ich wpływ na działalność banków
Speakers:
- Marcin Gadomski, Vice-President of the Bank’s Management Board, supervising the Risk Management Division, Bank Pekao S.A.
- Bożena Graczyk, Vice-President of the Management Board for Risk Management, ING Bank Śląski
- Marek Lusztyn, Vice-President of the Management Board for Risk Management, mBank
- Tomasz Miklas, Vice-President of the Board, Alior Bank
- Agnieszka Wolska, Vice-President of the Management Board, BNP Paribas Bank Polska S.A.
Moderation: Piotr Sobolewski, Senior financial sector analyst, Polityka Insight
10:10 – 11:00 SUSTAINABLE FINANCING AND GREEN EVOLUTION IN BANKING
10:10- 10:25 Speech: Sustainable financing and green evolution
- Marcelo Castellanos, FIG EUR Senior Manager, International Finance Corporation
10:25- 11:00 Debate
- Government strategy towards the banking sector in the context of ESG challenges
- Sustainable banking: a fad or a lasting trend
- Impact of ESG implementation on the credit market
- Development of sustainable financial instruments. Impact of the introduction of transformational and European green bonds (EuGBs) on the Polish market
- What regulations can make it more profitable to issue green bonds?
- Improving the availability of ESG data. How does the scarcity of data in Poland, as well as the lack of access to data, affect the green transition?
- CSRD directive – ESG reporting challenges for banks
Speakers:
- Prof. Agnieszka Słomka-Gołębiowska, Chairwoman of the supervisory board (independent member), mBank
- Robert Adamczyk, Energy Sector Team Head, Environment and Sustainability Department, EBRD
Moderation: Andrzej Kopyrski, Vice President of the Management Board overseeing Corporate Banking and Enterprises Area, PKO Bank Polski from 2022 to 2024
11:00 – 11:50 DISTRIBUTION OF BANKING PRODUCTS AND SERVICES AND MEETING CUSTOMERS’ EXPECTATIONS
11:00 – 11:15 Reinventing Relation with Customers
- Paweł Haltof, Innovation Director, Efigence
- Tomasz Lis, Senior Partner Manager, Magnolia
11:15 – 11:50 Debate
- Do customers expect changes in the services, service and products offered by banks?
- The role of intermediaries. How is the relationship between banks and intermediaries changing in terms of meeting customer expectations?
- The most current challenges and issues in retail banking
Speakers:
- Magdalena Proga-Stępień, Member of the Management Board in charge of the Retail Banking Division, Santander Bank Polska S.A
- Volodymyr Radin, Vice-President of the Bank’s Management Board responsible for the Areas of Retail Banking, Business Banking and Personal Finance, BNP Paribas Bank Polska
- Wojciech Rybak, Member of the Management Board, Bank Millennium
- Katarzyna Tomczyk – Czykier, Director of the Innovation and Digitization Division, Tribe Owner Omnichannel, Credit Agricole Bank Polska
11:50 – 12:30 Networking break
12:15 – 13:15 THE FINANCIAL SECTOR IN THE FACE OF CONSUMER CLAIMS AND CHANGES IN THE JURISPRUDENCE OF POLISH COURTS
12:30 – 12:45 Introduction: Main areas of consumer claims in the financial sector: key trends and risks
12:45 – 13:25 Debate:
- Is the problem of Swiss franc credits still an issue for banks and how long will it stay with the sector? Are settlements the only way to resolve it?
- Are consumer claims related to WIBOR as risky as those related to Swiss franc credits, from the banks’ perspective? Should the financial sector expect a similar number of lawsuits brought by consumers, especially in the context of the questions referred to the CJEU by the Czestochowa Court?
- Banks’ experiences and approaches to sanctioning free credit – is this actually a problem in banks today, and what is it?
- What legal solutions could reduce or significantly minimize the risks associated with potential consumer challenges to bank product contracts?
13:25 – 13:55 NEW BUSINESS HORIZONS: ALLIANCES, PARTNERSHIPS AND INVESTMENTS
13:25 – 13:40 Presentation: Building, automating and optimizing banking processes using modular identity verification
- Blanka Pilch, Product Owner, Santander Bank Polska
- Agnieszka Kurzyp, E-commerce development manager, Santander Bank Polska
- Ireneusz Liberacki, General Manager LiveBank, Ailleron SA
13:40 – 13:55 Debate:
- What is the key to the future? Talking about digital competence
- What are the benefits and challenges of partnerships in this age of technological race?
- How do you find and create new technologies? Creating new roles in banks and insurance
- Educational innovation and partnerships with technology giants
- Alliances and partnerships – is there collaboration between start-ups and venture capital?
- Banks as business angels – does it make sense?
- Asian ecosystem models: a discussion on innovation implementation and adaptation
- Innovative approaches to revenue sharing
Speakers:
- Aleksandra Buczkowska, Managing Director for products and client segments in the Retail Banking Division mBank S.A.
- Tomasz Czechowicz, President of the Board, MCI
13:55 – 14:55 ARTIFICIAL INTELLIGENCE IN BANKING: CHALLENGES, ADOPTION AND PROSPECTS
13:55 – 14:10 Case study:
- Examples of the evolution of artificial intelligence implementations and its transformation to Gen AI
- RPA – Data Scientist’s point of view
14:10 – 14:55 Debate
- Acquisition, development and retention of AI talents in Poland: how to identify and teach talents in this area and how to extensively reskill current resources
- Costs limiting the deployment of artificial intelligence
- AI Act: is it possible to create a document regulating the use of artificial intelligence? What are the implications of the AI Act for the banking sector in Poland?
- AI in the Polish region: concrete examples of implementations and the future
- Banking management in the context of AI: optimising business benefits vs. legal risks and customer protection
- Consistency of AI’s assessments of the application of law with legal practice in Polish courts
- Where do we see the most promising areas of AI use after the first 1-2 years of experience?
- PLUM and BIELIK – Polish AI models. New quality for the Polish consumer
Speakers:
- Mariusz Bukowski, Head of Data&AI, Nest Bank
- Joanna Ostrowska-Szajnfeld, Managing Director IT Strategy, Architecture & Governance, BNP Paribas Bank Polska S.A.
- Jan Pieczykolan, Head of IT Development, Santander Bank Polska
- Jarosław Tkaczewski, Director in the Department of Application Development, Bank Millennium
14:55 Lunch
Day II, 28. Insurance Forum
8:30 – 9:00 Registration of participants
9:00 – 9:10 Opening Forum
9:10 – 10:15 COMPETITION OR COOPERATION
9:10 – 9:25 Introductory presentation: Mapping the insurance sector in Poland against Europe:
- Current situation: market share, main products, major players and development prospects of the Polish market
- Comparison with other countries (Hungary, Czech Republic, Germany). Dominant products, customer preferences, regulatory differences
- Tomasz Dąbkowski, Partner Associate, Financial Services Department, Head of the Actuarial Group, KPMG
9:25 – 10:15 Debate
- What are the main factors driving growth in Poland’s insurance sector?
- Are there visible differences in customer preferences and product popularity in Poland compared to other European countries?
- What are the strategies for geopolitical and macroeconomic changes
- Competition and cooperation – impact on the development of the sector
- Predictions for future trends in insurance data management – data exchange
Speakers:
- Jarosław Mastalerz, President of the Board, PZU Życie SA
- Aleksandra Friedel, President of the Board, Unilink
- Roger Hodgkiss, President of the Board, Generali Group Poland
- Witold Jaworski, Insurance and insurtech industry expert
- Piotr Narloch, President of the Board, Interrisk
Moderation: Ryszard Bociong, Insurance sector expert
10:15 – 11:30 TECHNOLOGY TRENDS: AUTOMATION OF SALES PROCESSES IN INSURANCE
10:15 – 10:30 Introductory presentation: What are the main technological developments in the insurance sector?
- Tomasz Gołębiewski, Sales Director, IBA Group
10:30 – 10:45 Presentation PZU
- Joanna Flis, Director CRM, PZU
- Mateusz Mazur, Partner, CESA Technology Strategy & Transformation Leader, Digital Engineering Leader, EY Poland
10:45- 11:30 Debate
- Hyperpersonalization. How are data and its analysis changing the way insurance is sold, priced and managed?
- Open finance: the future of financial sector integration. How insurers are adapting to open finance regulation? What challenges and opportunities does this new era bring?
- Strategy to protect customers’ interests by simplifying products and contracts to increase customer loyalty
- Risk aspects of sales process automation, development and use of applications
- Comprehensive sales process automation platforms
Speakers:
- Andrzej Wasilewski, Member of the Management Board, Allianz
- Jan Zimowicz, Member of the Management Board, PZU
Moderation: Paweł Jakubik, Technology & Consulting Sales Leader, EY Polska
11:30 – 11:50 THE IDEA OF A WORLD WITHOUT DAMAGE – A COMMON MISSION OF INSURANCE COMPANIES FOR THE GOOD OF THE CUSTOMER (Firechat)
- Personalization of offerings – how do insurance companies customize their products to meet individual customer needs?
- Customer support – how can insurers proactively build relationships with customers instead of just reacting to claims?
- Magdalena Macko-Gizińska, Board member for customer relations, Nationale-Nederlanden
11:50 – 12:30 Networking break
12:30 – 12:50 COOPERATION OF BROKERS AND INSURERS – A NEW OPENING AND FUNCTIONING IN THE MARKET (Firechat)
- Artur Grześkowiak, CEO Marsh Poland and Marsh McLennan Group in Poland Co-CEO the region of Central and Eastern Europe
12:50 – 14:00 HEALTHCARE FINANCING MODELS IN THE WORLD AND LESSONS FOR POLAND
12:50 – 13:10 Introductory presentation: Examples of healthcare financing models in UK, Germany, USA, France, Norway, Slovenia, Switzerland
13:10 – 14:00 Debate
- The place of private health insurance in health care financing – a choice or an alternative?
- Subsidies or reform – or what does Polish health care need to function properly?
- The supplementary nature of the current health care system in Poland. Will patients benefit from the introduction of complementary health insurance? What should be the rules of its operation?
Speakers:
- Sławomir Łopalewski , Member of the Management Board, Managing Director, Lux Med Insurance
- Igor Radziewicz-Winnicki, President of the Board, PZU Health
- Jakub Szulc, Vice-President of the Management Board, NFZ
Moderation:
- Radosław Bogucki, Partner, Finance Function Transformation Leader, EY Polska
14:00 – 14:55 INSURANCE IN THE FACE OF CLIMATE RISKS AND THE CHALLENGES OF THE RES SECTOR
13:55- 14:45 Debate
- Insurance vs. climate risk. How much do the effects of natural disasters cost us? What support can the policy provide?
- Using data and technology to forecast and manage climate risks
- Problems of insurance coverage, scope of insurance and exclusions of the insurer’s liability,
- A number of uninsurable risks
- Securing the EU’s climate neutrality by 2050. – a challenge for insurers (RED III directive)
- Creation of insurance programs for the RES sector
14:55 Lunch
*Organizer reserves the right to change.
Update 26/09/2024
