16 WHEN LESS IS MOREJESÚS DÍAZ BARRIENTOS, HEAD OF FINANCE, DO & CO AG [NYSE: DOC]24 THE BANK'S EXPERIENCE: HOW A COMPANY'S USE OF FINTECH CAN ACCELERATE GROWTH AND MAKE EVERYDAY LIFE EASIERMRTIS BRZIS, HEAD OF DIGITAL CUSTOMER EXPERIENCE, DEPUTY BUSINESS DEVELOPMENT, CITADELE BANKA30 DIGITAL BANKING IN THE PALM OF YOUR HANDJOHN O'BRIEN, HEAD OF CONTACT CENTRE, CX, DIGITAL & BANKING OPS, TRANSFORMATION LEADER, SPEAKER, STRATEGIST, PTSB32 ESG RISK MANAGEMENT IN BANKING: PRAGMATIC INSIGHTS AND ROADBLOCKSYAROSLAV SOVGYRA, HEAD OF CREDIT RISK (ESG), LLOYDS BANKING GROUP34 FUTURE OF AI IN THE FINANCIAL SECTORPEDRO MIRA VAZ, CHIEF DATA & ANALYTICS OFFICER, NOVO BANCO36 TRANSFORMING FINANCIAL LICENSING SERVICES AND INDUSTRY TRENDSYVAN RODUIT, HEAD INVESTMENT ADVISORY, RAIFFEISEN21 NAVIGATING DIGITAL TRANSFORMATION FOR INCUMBENT BANKSOZGUR KOC, HEAD OF DIGITAL BANKING & TRANSFORMATION, CREDIT EUROPE BANK N.V.1814CXO INSIGHTSVirtus Investment Partners26GEORGE R. AYLWARD, PRESIDENT AND CEOPavo20ERCAN TAKESEN, CEO ASSET MANAGEMENTBEST ANDROID POS SOLUTION PROVIDER IN TURKEY 2025STATE OF THE INDUSTRYTHE ASCENDANCE OF SMART ANDROID POS IN EUROPEAN FINANCIAL SERVICESHARMONISED FINANCIAL REGULATIONS POWERING EUROPE'S GROWTHIN FOCUS10 - 11
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