November 19th, 2019, Day I


08:30-09:00 Registration/morning coffee

9:00 – 12:05 Diversity as the new innovation

9:00 – 9:30 Opening by the Advisory Board Chairpeople
Diversity as the new discruption

Intro speech

  • Marcin Petrykowski, Managing Director S&P Global, Chairman of the FinTech Digital Congress Advisory Board
  • Małgorzata Szturmowicz, Banking&Fintech Industry Expert, Vice-Chairwoman of the FinTech Digital Congress Advisory Board
  • Cezary Świerszcz, CEO, Bacca, Co-Chairman of the InsurTech Digital Congress Advisory Board

9:30 – 9:55 The essence of Digital Transformation - a practitioner’s view

Keynote speech

  • Sonia Wedrychowicz-Horbatowska, Digital Transformation Practitioner and Thought Leader

9:55 – 10:50 Are women the next huge superpower on Fintech and Insurtech?
Diversity – efficiency – innovation


Introduction and moderation:
  • Adam Sawicki, Senior Executive, Board Member & Angel Investor, TMT & Digital Transformation
  • Magdalena Góra, Personal development trainer, business trainer, coach
  • Joanna Izdebska, Global Sales & Marketing Director IPF Digital, brand hapipożyczki
  • Karolina Marzantowicz, Board Advisor, A4BEE, Ambasador European Women Payments Network
  • Anna Maj, FinTech Leader, PwC, Payments Visionary, Ambasador European Women Payments Network
  • Katarzyna Wojdyła, Member of the Management Board, Link4

10:50 – 11:05 What does managing an innovative bank in a dynamically changing world mean?

  • A look at an organisation through the prism of gender diversification. The role of women in building innovative banking services and its image. Women’s empowerment.


  • Daria Gostkowska, Executive Director, Head of HR Area, BNP Paribas Bank Polska

11:05 – 11:20 Successfully scaling business

  • Finances, knowledge of competences - what can bring the desired effect? Team diversity as a factor conditioning sustainable business performance

Video Speech

  • Wojciech Kostrzewa, President of the Board, Billon Group


  • Andrzej Horoszczak, Founder & CTO, Billon Group

11:20 – 11:55 Is the world of fintechs and insurtechs shrinking or developing?


  • Where are the biggest growth prospects?
  • What types of fintechs are successfully developing globally and in Europe?
  • Who disappeared from the market and why?
  • How women make business and invest?
  • What kind of businesses women sets and what investors are they?
  • Marcin Kurczab, Director of the Innovation Lab, PZU
  • Carlo Giugovaz, CEO, Supernovae Labs
  • Joanna Zielińska, CEO, Black Swan VC Fund
  • Małgorzata Szturmowicz, Banking&Fintech Industry Expert, Vice-Chairwoman of the FinTech Digital Congress Advisory Board

11:55-12:05 Successes story


  • Mikaela Grännby, Executive Vice President Europe, Lendo

12:05-12:45 Let`s network!

12:45 – 14:35 Technology reality check

12:45 – 13:05 Why innovation is so important tool for the insurance industry?


  • Manjit Rana, InsurTech & Insurance Innovation Thought Leader, MD Corporate Innovation (InsurTech), Rainmaking Innovation

13:05 – 13:20 National Cloud - how to introduce innovations?


  • Radosław Świerczyński, Sales Director, Operator Chmury Krajowej

13:20 – 14:35 Which technologies work and which are just buzzword? What implementations bring a return? How many of these technologies are really used?

Life-cases session

13:20 – 13:35 Using Artificial Intelligence to support the sale of financial products (Xsell)
  • Case 1:
    • Krzysztof Gwardys, CEO, Promity
  • 13:35 – 13:50 Will voice technology change the game rulse?
  • Case 2:
    • Tomasz Buczak, Head of Asseco Innovation Hub, Commercial Banks Division, Asseco Poland S.A.
  • 13:50 – 14:05 New applications for blockchain in the banking sector, including as a response to the EBAs outsourcing guidelines
  • Case 3:
    • Grzegorz Prajzner, New Technology Development Director, Atende
  • 14:20 – 14:35 What impact will the exponential development of technology have on your business?
  • Case 4:
    • Maciej Stanusch, President of the Management Board, Stanusch Technologies
  • 14:35 – 14:50 Mobility in banking
  • Case 5:
    • Mariusz Gąsiorek-Tatarski, Training & Product Solutions, Senior Expert IM Division, Operator Channel, Samsung Electronics Polska
  • 14:35 – 15:30 Financial reality check

    14:35-15:10 What determines success or failure - competence in scalability?


    • How to effectively finance fintechs/insurtechs in Poland? Where to look for capital?
    • How did they scale to the largest? What is the determinant of success?
    • Why are there so few large contracts signed in Poland?
    • How funding rounds work. Funding difficulties in round A.
    • Crowdfunding - why is it worth using this form of raising capital from pre-seed to early stage rounds?
    • Conditions of cooperation between traditional entities and fintechs.
      • Capex and Opex – Do you know why banks don’t want to settle with you with monthly invoices?
    • Manjit Rana, InsurTech& Insurance Innovation Thought Leader, MD CorporateInnovation (InsurTech), Rainmaking Innovation
    • Tymon Zastrzeżyński, Co-Founder, Grupa LOANDO; Co-Founder & Board Member, Affiliate 44
    • Ahmad Piraiee, Co Director, Startup Grind Warsaw
    • Tomasz Danis, Partner, MCI Capital; VC/PE Fund; Fund Manager, Internet Ventures (VC) and MCI.TechVentures

    15:10 – 15:30 How we obtained financing

    Debate 1+1

    • Anna Streżyńska, CEO, MC2
    • Cezary Świerszcz, CEO, Bacca, Co-Chairman of the InsurTech Digital Congress Advisory Board

    15:30 LUNCH

    November 20th, 2019, Day II


    09:00-09:45 Registration/morning coffee

    9:30 – 10:30 Road through regulations - licenses

    • Open banking: lesson after the first year
    • Does everyone need a license?
    • Future: License-as-a-service
    • Universal biometric authentication - will it become the industry standard? Cyber security of the user
    • Fintech outsourcing in banking and materialization of operational risk

    09:45-10:15 Fintech regulations - opportunities, threats, future in licensing, open banking, consumer finance

    Keynote Speech

    • Krzysztof Korus Ph.D., Partner, dLK Legal

    10:15-10:30 Law and innovation. Support for digital changes.

    • How to effectively support digital transformation rather than block it?


    • Tomas Talutis Ph.D., Chief Legal Counsel at Ooniq P2P Insurance, Managing partner, Law firm TVINS

    10:30-14:20 Platformization of financial services

    Part 1
    10:30-12:15 Beyond banking

    10:30-10:50 Future of fintech

    Keynote Speech

    • Mike Lemberger, Senior Vice President, Head of European Products, Visa

    10:50-11:10 Direction: Ambient Banking. Sector evolution.

    • The future of banks - how to offer additional value instead of traditional financial services


    • Katarzyna Królak-Wyszyńska, CEO, Innovatika

    11:10-11:30 Big data and business information office

    • Data aggregation - what do we know about the bank’s client?
    • Economic data from the financial and non-financial sector as an element to conduct proper credit policies of banks
    • Fraud protection
    • Edyta Szymczak, President of the Management Board, ERIF Biuro Informacji Gospodarczej S.A.
    • Sławomir Grzelczak, Vicepresident of the Management Board, BIK BiuroInformacjiKredytowej; President of the Management Board BIG InfoMonitor
    • Piotr Badowski, President of the Board, Polski Związek Zarządzania Wierzytelnościami

    11:10-12:00 Beyond banking. Platformization of financial services


    • Bigtechs as status quo disruptors – how international technology giants will affect the future of the economy
    • Challenger banks as a concept of approach to pan-European business
    • Platformization of financial services. How to meet fast changing reality, consumer and technological needs?
    • ValueAddedServices – Where is the development of mobile banking and VAS going?
    • Peter Faykiss, Head of Digitalization directorate, Hungarian National Bank
    • Robert Kuraszkiewicz, President of the Board, Bank Pocztowy
    • Jowita Michalska, Prezes Fundacji Digital University
    • Marcin Kołodziej, Enterprise Architect, ING Bank Śląski
    • Aleksandra Sroka-Krzyżak, Director of the Strategy Department, PKO Bank Polski

    12:15-13:00 Networking Break

    Part 2
    13:00 – 14:20 Evolution of payments

    13:00 – 13:20 Evolution of payments

    • How will we develop payment technologies? What to look for to ensure trouble-free, secure payments as the most important element in customer service?


    • Edyta Tararuj, Director of Product Development Office, PKO Bank Polski

    13:20-13:35 From loan companies to lendtechs - market evolution

    case study

    • Krzysztof Przybysz, CEO, Grupa LOANDO

    13:35 – 14:20 Retail goes global payments go local?


    • How to scale platforms across Europe and the world?
    • Linguistic and cultural fragmentation is one of the challenges of global retail - developing payments locally is one of the possibilities of quickly scaling DTC brands
    • Are payment services from China and Asia a threat?
    • Tomasz Dymowski, ManagingDirector, BNP Paribas Bank Polska
    • Piotr Grudziński, Business Control Manager, Ikano
    • Adrian Kurowski, Country Manager Poland, Visa
    • Michał Smida, CEO, Twisto
    • Grzegorz Wazowicz, Dyrektor Działu Usług Finansowych i Handlowych, Carrefour
    • Vikas Malhotra, CSO & Board Member, Startup Hub Poland

    14:20-15:00 Fintech education*


    • Career development after fintech studies. Who for?
    • How does the market use those finishing post-diploma studies of finances and management
    • Where's the boundary between theory and practice?
    • How can we change Polish education? How can we make businesses more open to cooperation with Polish universities?
    • Why it's worth increasing diversity on the work market - how will that impact the financial sector? University perspective.
    • mec. Aleksandra Bańkowska, Attorney at Law
    • Daniel Daszkiewicz, CIO, Alior Bank
    • Olga Janczyszyn, Fintech Partner, RBL_Innovation, Alior Bank
    • Katarzyna Paś - Skoczylas, Regulation Development Department, KNF
    • Katarzyna Niewińska, Faculty of Management, University of Warsaw

    15:00 LUNCH

    November 20th, 2019, Day II


    9:00-9:45 Registration/morning coffee

    9:45 - 11:45 Digital market stimulation. A place for innovation in insurance

    9:45 – 10:10 Open Insurance as a new way of thinking. Global perspective

    • How to stimulate innovation in insurance? Can regulators support the development of innovation? Does being digital mean adapting to technology?


    • Jean-Marc Pailhol, Head of Global Market Management & Distribution, Allianz SE

    10:10 – 10:30 Changing the landscape of the Insurance Industry

    • Sales management and customer service in the age of digitization


    • Marek Gołębiewski, Member of the Board, Wiener

    10:30 – 11:15 Insurtech & Insurer cooperation model as an impulse for sector development. Analysis of experience

    • Barriers to the adoption of solutions developed by Insurtech by traditional players. Openness to new solutions. Benefits for insurance companies. Automation of the B2B process.


    • Cezary Świerszcz, CEO, Bacca, Co-Chairman of the InsurTech Digital Congress Advisory Board


    • Catrina Gemmerich, Client Manager responsible for the Polish market and the entire CEE, Munich Re
    • Monika Leżyńska, Director of the Actuarial Department, AXA
    • Andrius Romanovskis, Managing Director of Lithuanian Insurers Association
    • Grzegorz Werpachowski, Data and Customer Strategy Director, Compensa
    • Cezary Świerszcz, CEO, Bacca, Co-Chairman of the InsurTech Digital Congress Advisory Board

    11:15 – 11:30 Future of insurance distribution- intermediated or direct?


    • Peter Temperley, Head of Operations, Blocksure, UK

    11:30 – 11:45 E-commerce in insurance - experience from the Polish market


    • Dominik Marzec, Digital Management, TU Europa

    11:45 - 12:15 Direct Agent. The human face of technology in the insurance

    11:45 – 11:55 Insurance against contemporary challenges - for example an Agent’s work

    Case 1

    • Piotr Głowski, Vicepresident, Unilink S.A.

    11:55 – 12:15 Human + Technology = Perfect agent. How did Sales Acceleration tools change insurance industry?

    Case 2

    • Maciej Głowacki, CTO & Co-founder, Salesbook
    • Michał Kowalczyk, Insurance Sales Director, Assiduus

    12:15 - 13:00 Let`s network!

    13:00 - 13:45 Turning ideas into value. Technology Trends

    Case session

    13:00-13:15 Satellites, drones – cooperation space analysis and benefits for insurance companies
    Case 1

    • Jakob von Grunberg, Associate – Predictive Analytics, Hummingbird Technologies, UK

    13:15-13:30 Digital human touch. Chat implementation on the MojaAviva self-service platform
    Case 2

    • Sebastian Czerski, Digital Innovation Specjalist, Aviva

    13:30-13:45 Market-based distribution of insurance products and programming interfaces - case study
    Case 3

    • Adam Golański, Business Technologist, The Mercurials
    • Robert Kwiatkowski, Business Technologist, Largo Business Solutions

    13:45-15:00 Telemedicine systems and new business models for insurance companies

    13:45 – 14:00 Cooperation through assistance

    • Romeo Jerčić, Chief Sales Officer, Luxheal

    14:00 – 14:15 Virtual Life Coach: an engagement tool for insurance customers

    • Alexandra Fitosova, Vice President of Sales,

    14:15 – 15:00 Digital technology as a support for healthcare


    • How to monetise? Savings for insurance companies thanks to cooperation with telemedicine companies
    • Coordination of health care
    • Solutions to medical problems and the issue of access to them. Business models
    • How to use technologies in telemedicine?
    • What can be insured using telemedical data
    • Alexandra Fitosova, Vice President of Sales,
    • Agnieszka Kister, Director of the e-Health Department, Ministry of Health
    • Sebastian Tabaka, Member of the Board, PZU Zdrowie
    • MD Piotr Soszyński, Strategic Medical Consultancy Director, Medicover Poland
    • Marta Kaleńska-Jaśkiewicz, Co-Founder& CEO, CashapGenZet

    15:00 LUNCH

    Update: 18.11.2019

    *) panel prepared in cooperation with the University of Warsaw

    **) The Organiser reserves the right to make changes in the agenda. Participation of speakers are still awaiting final confirmation.

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