Ed Vinicombe
Director of Product Design, JP Morgan Chase, UK
Designing Banking Experiences for the Digital Generation
International summit · 3 days
Excellence in Digital Banking 7.0 — International Summit
Senior banking leaders, regulators, technology experts and innovators meet in Amsterdam to work through how banking is being rebuilt.
When and where
25–27 November 2026
Amsterdam, Netherlands
In-person & online passes available
One programme statement
The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value — one of the ten published themes running across the three days.
Why come to Amsterdam
Excellence in Digital Banking 7.0 – International Summit will take place in Amsterdam from 25–27 November 2026. The three-day summit will bring together senior banking leaders, regulators, technology experts and innovators to explore how artificial intelligence, digital identity, next-generation architecture, open finance, payments and platform banking are reshaping the financial industry. Participants can join the summit in person in Amsterdam or remotely through the online participation option.
At PulseCore, we are dedicated to achieving new standards of excellence by providing conference formats that encourage interaction, networking, and high-class knowledge sharing. With a team of experts and a motivated staff committed to delivering quality, our vision is to be recognized as the global leader in providing high-quality business conferences. We strive to create events that inspire innovation, foster collaboration, and empower individuals to make a positive impact in their respective industries.
Ten published themes
- The Intelligent Bank: Scaling AI from Experimentation to Enterprise Value
- Agentic AI, Generative AI and Responsible AI Governance
- Digital Identity, Authentication and the Future of Customer Access
- Hyper-Personalised Banking and Next-Generation Customer Experience
- AI-Ready Architecture, Cloud and Composable Banking Platforms
- Open Finance, Digital Wallets and Embedded Banking
- Real-Time Payments, Liquidity and Transaction Banking
- Deepfakes, Synthetic Identity and AI-Driven Financial Crime
- Operational Resilience and Risk in Digital Transformation
- Sustainable Finance in the Digital Banking Ecosystem
Three days, 33 sessions
25–27 November 2026. The complete agenda, including any later changes, is published by PulseCore Events s.r.o..
Day 1 — 25 November 2026
- 09:00
Re-architecting the Bank Around AI
Frans Van Bruggen · Independent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
Moving from AI pilots to enterprise-wide transformation
- 09:30
Building the Hybrid Banking Model: Merging Digital and Physical Touchpoints
Ronelle Arbib · Chief Operating Officer, Recognise Bank, UK
Transitioning from workflow automation to AI-driven operations
- 10:00
How banks can scale AI safely and govern agentic AI
Mitul Vadgama · Advanced Analytics and AI Lead - Artificial Intelligence CoE, Lloyds Banking Group, UK
Scaling AI beyond pilots
- 11:00
The Future Operating Model of a Digital Bank
Joris Krijger · AI Governance Officer, ASN Bank, Netherlands
Moving from product-centric to customer-centric structures
- 11:30
Ambition to Architecture, what vision really demands
Ashtha Bajaj · Data, Analytics & AI Leader, Bank of Ireland, UK
Ambition creates direction, but architecture determines whether transformation can scale securely, sustainably, and at speed.
- 12:00
Unlocking the Business Potential of Generative AI in Banking
Jules Ferdinand Pagna Disso · Head of Cyber Risk Intelligence, Insider Technology Risk and Digital Asset Risk, BNP Paribas, UK
Advancing beyond basic AI tools toward high-impact business applications
- 13:30
Generative AI in Banking: From Experiments to Core Business Value
Jan Sedlařík · Hybrid AI Product Owner for Realization squad, AI upskilling and Internal delivery teams, Česká Sporitelna, Czechia
Moving beyond chatbots toward strategic applications
- 14:30
From AI Hype to Real Control: Safe Legacy Evolution
Ohad Kotler · CEO & Co-Founder, Tweezr
Combining deterministic system intelligence with AI
- 15:30
Digitizing Wholesale Banking: Smarter Client and Service Models
Ellen Van Acker · COO Wholesale Banking Client & Digital Services, ING, Netherlands
Transforming wholesale banking through digital client journeys
- 16:00
AI Model Risk in Banking: Governing GenAI and Agentic AI at Scale
Anish Shah · Director - Model Risk, Internal Audit, NatWest, UK
Managing AI risk across credit, fraud, pricing and customer decisions
Day 2 — 26 November 2026
- 09:00
Hyper-Personalized Banking Experiences
Romano Ramanti · Vice Director, Zürcher Kantonalbank, Switzerland
Leveraging AI to anticipate customer needs
- 10:00
Designing Banking Experiences for the Digital Generation
Ed Vinicombe · Director of Product Design, JP Morgan Chase, UK
Designing simple, intuitive, and trusted digital banking experiences
- 11:00
Eliminating Friction: The Future of Authentication
Haitham Aboulfotoh Rashwan · Head of Digital Banking & Alternative Channels, Emirates NBD, Egypt
Moving beyond passwords toward biometric authentication
- 11:30
New Approach to Design CX: Kuveyt Turk's Neuromarketing Lab
Okan Acar · EVP, Digital Banking and Payment Systems, Kuveyt Türk Katılım Bankasi, Turkey
Using EEG and eye-tracking to understand customer responses
- 12:00
The Future of Customer Verification
Shamsh Hoda · AI & Digital Innovation Strategist, Commerzbank, Germany
Moving from one-time verification to continuous identity assurance
- 13:30
Who will own Digital Identity?
Sara Ehab Azmi · Head of Change & Project Management, Emirates NBD, Egypt
Positioning banks alongside governments and technology platforms
- 14:00
Digital Identity as the New Banking Infrastructure
Melvin Pellicano · Head of Digital Transformation and Product Development Department, BNF Bank, Malta
Positioning banks as trusted identity providers
- 14:30
Building Trust and Customer Confidence in Digital Banking
Lucy Cafferkey · Head of Media Relations, Starling Bank, UK
Communicating innovation clearly in a fast-changing banking environment
- 15:30
Digital Wallets and Payments: Creating Daily Customer Engagement
Sadık Baş · Executive Vice President, Marketing Portfolio Management & Digital Products, Garanti BBVA Payment Systems, Turkey
Turning digital wallets into everyday customer touchpoints
- 16:00
Digital Banking for SMEs: From Online Services to Intelligent Business Partners
Olli Anteroinen · Head of SME Digital - Business Banking, Nordea, Finland
Redesigning digital banking around SME needs
- 16:30
Embedded Banking, Payments and Consumer Lending: The New Growth Engine
Kartik Taneja · Executive Vice President, Head of Payments & Consumer Lending, Mashreq Bank, Dubai
Embedding banking services into customer journeys and partner platforms
- 17:00
Panel Discussion: What is the future of Banking in 2030?
Swagatam Sen · Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
Exploring how banks will compete, collaborate and innovate in the next era of financial services.
Day 3 — 27 November 2026
- 09:00
AI-Ready Banking Architecture: Building the Resilient, Composable Bank of the Future
Claudio Balbo · Senior Director - Head of IT Architecture, Intesa Sanpaolo, Italy
Designing AI-ready banking architecture
- 09:30
Managing Change Risk in an Age of Uncertainty
Edgars Sedovs · Head of Risk, Rietumu Banka, Latvia
Risk in digital transformation
- 10:00
Supervising the Intelligent Bank: Trust, Resilience and AI in Next-Generation Banking
Nina Schweighofer · JST Coordinator / Head of Section, European Central Bank, Germany
Understanding how European supervisors assess AI-driven business models, governance and digital transformation
- 11:00
Open Finance, Digital Wallets and Embedded Banking: The Next Growth Model for Banks
Gaurab Arka Chaudhuri · Director of Group Strategy, Barclays, UK
Open finance beyond open banking
- 11:30
The Reinvention of Mobile Banking Platforms
Igoris Ryklys · Lead of Digital Channels, Swedbank Baltics, Lithuania
Moving from transactional apps to financial life platforms
- 12:00
The Strategic Role of the Bank in a Platform Economy
Swagatam Sen · Executive Director FCC Tech Advisory, Santander Corporate & Investment Banking, UK
Competing with technology platforms for customer attention
- 13:30
Designing the Bank of the Digital Generation
David Bonavia · Lead Operational Risk Framework Manager, Metro Bank, UK
Understanding evolving expectations of digital-native customers
- 14:00
Sustainable Finance in the Digital Banking Ecosystem
Dominique Tremblay · Head of Enterprise Sustainability, BNY
Embedding sustainability into digital banking strategy and product design
- 14:30
Liquidity in the Digital Era: Real-Time Treasury and Smarter Client Solutions
Cindy Lo · Managing Director, Global Head of Liquidity Solutions, HSBC, UK
How real-time payments are changing liquidity expectations
- 15:30
The Future of Transaction Banking in a Platform-Based Economy
Ekaterina Kozhevatova · Director, Commerzbank AG, Germany
How transaction banking is evolving through platforms and ecosystems
- 16:10
Panel Discussion: Deepfakes, Synthetic Identity and AI-Driven Fraud: The Next Frontier of Financial Crime
Lucy Cafferkey · Head of Media Relations, Starling Bank, UK
Exploring how deepfakes, synthetic identity and AI-driven fraud are reshaping financial crime, and how banks can defend against the next frontier of threats.
Speaker contributions
Six of the 31 confirmed speakers and the session each of them contributes.
Edgars Sedovs
Head of Risk, Rietumu Banka, Latvia
Managing Change Risk in an Age of Uncertainty
Ekaterina Kozhevatova
Director, Commerzbank AG, Germany
The Future of Transaction Banking in a Platform-Based Economy
Ellen Van Acker
COO Wholesale Banking Client & Digital Services, ING, Netherlands
Digitizing Wholesale Banking: Smarter Client and Service Models
Frans Van Bruggen
Independent Expert (Ex Senior Policy Officer Fintech and AI at DNB)
Re-architecting the Bank Around AI
Gaurab Arka Chaudhuri
Director of Group Strategy, Barclays, UK
Open Finance, Digital Wallets and Embedded Banking: The Next Growth Model for Banks
In person in Amsterdam
The three-day programme runs on site on 25–27 November 2026, with the sessions listed above and the networking breaks described by the organiser.
Online participation
The summit can also be joined remotely. In-person & online passes available.
Booking
Passes, current prices and terms are published only by PulseCore Events s.r.o.. Nothing is sold or collected on this page.
Official registrationFrom earlier editions
Photographs show previous editions of the Excellence in Digital Banking International Summit.
It was an absolute honour to attend, present, and chair the first two days of PulseCore Events, Excellence in Digital Banking 2024 International Summit in Amsterdam. I enjoyed sharing insights on Oxford Risk and behavioural finance and moderating a panel on the future of digital onboarding. A special thanks to the event organisers and the other speakers I had the pleasure of introducing.
Had a fantastic time at the Excellence in Digital Banking event held from May 13-16 in Amsterdam, where I had the opportunity to share and exchange ideas with incredible professionals from around the world. In my keynote, I emphasized the importance of maintaining the "human" element in our digital transformations to avoid commoditization. Ultimately, it's the human connection through the customer's transformative journey that provides the most competitive advantage and is hardest to replicate. The diverse perspectives and innovative practices shared were truly eye-opening. Highlights included discussions on the increasing importance of cybersecurity amidst rapid technological advancements and its impact on customers, innovative AI solutions in unsecured lending, excellence in digital onboarding, the significance of building impactful partnerships and the strategic decisions around what a bank should develop internally versus through partnerships. A heartfelt thanks to PulseCore Events for bringing together such a diverse and knowledgeable set of speakers and to all participants for sharing their own journeys. Looking forward to applying these insights in my work!
I had a great time in Amsterdam last week attending the Excellence in Digital Banking event hosted by Pulsecore. Over 350 delegates from Financial Institutions participated at the event. Here are my three key takeaways: 1. Digitalization of financial services is now the norm, how you deploy differs, based on demography, culture, and other factors. 2. Customers will use digital channels as long as they are convenient and reliable. 3. Security and trust are required in building successful digital products. It was inspiring to see what other organizations like Stirling Bank, Salt Bank, and Alpian are doing in their Markets. This was an event worth attending! hashtag#digitalbanking hashtag#finance hashtag#excellence hashtag#Pulsecore hashtag#PulseCore Events
It was great attending the Excellence in Digital Banking Summit last week in Amsterdam. Thank you, PulseCore Events, for inviting me to speak at the event. I truly enjoyed discussing and sharing our insights with the other speakers and the audience. It was an outstanding event, covering important topics and sharing experiences from around the world. #DigitalBankingsummit#BankingInnovation hashtag#DigitalTransformation hashtag#DigitalChannels
Sponsor and exhibitor information
Sponsorship, exhibition space and speaking opportunities are arranged directly with PulseCore Events s.r.o.. No sponsor is listed on this page because the organiser publishes the confirmed list itself.
Amsterdam, Netherlands
The summit is held in Amsterdam on 25–27 November 2026. The venue address, access details and travel notes are published on the organiser's location page.
Questions and legal notes
What exactly is this event?
Excellence in Digital Banking 7.0 — International Summit, organised by PulseCore Events s.r.o. of Prague, Czech Republic.
What are the dates?
25–27 November 2026, in Amsterdam, Netherlands.
Is there an online option?
In-person & online passes available.
Where do I register?
Only on the official PulseCore registration page, which is linked throughout this page.
Are the photographs from the 2026 summit?
Photographs show previous editions of the Excellence in Digital Banking International Summit.