The initial agenda of the
18th Fintech Digital Congress
#Disruptive Trends Edition

October 23rd 2025


8:30 - 9:00 A.M. Registration of Guests

9:00 - 9:15 A.M. Opening of the congress

NEXT INVESTMENT FRONTIER

9:15 - 9:30 A.M. New Fintech Operating System

Inaugural speech by the Chairmen of the Program Council

  • Marcin Petrykowski, CEO & Senior Advisor Finance and Technolog
  • Paulina Skrzypińska, Chief Innovation Officer, BNP Paribas Bank Polska

9:30 - 10:00 A.M. Future-proof architecture or what defines the fintech industry?

Opening debate:

  • Fintech 2026+. The potential of AI, blockchain technology and digital assets in traditional financial models as a "gateway" to the new digital economy and the Web3 ecosystem
  • AI Agents as a new layer of interaction and automation in banking and finance
  • How to spur economic transformation with blockchain technology and cryptocurrencies
  • Token Economy as a foundation. How will tokens revolutionise business models?

Invited speakers:

  • Aleksandra Gren, Member of the Supervisory Board, mBank*
  • Ernest Pytlarczyk, Managing Director, Analysis+Digital Transformation Area, Chief Economist, Bank Pekao*
  • prof. Krzysztof Piech, Director of the Blockchain Technology Center, Łazarski University

Moderator:

  • Jarosław Fuchs, icepresident, Izba Przemysłowo- Handlowa w Krakowie

10:00 - 10:15 A.M. Token Economy or how to build a new digital economy?

Speech/Case:

10:15 - 10:35 A.M. New Growth Models – moving from PoC to full-scale implementation

Firechat:

  • Create partnerships for future growth and expansion of financial technology
  • How do we attract the best talent and investment to support the growth of innovative fintech startups?
  • Which business models effectively scale in the Web3 era”

Invited speakers:

  • Karolina Mitraszewska, CEO, PFR Ventures

NEW FINANCE CORE

10:35 - 10:45 A.M. AI adoption in PE investment processes and strategies

Case:

  • Paweł Borys, Managing Partner, CIO, MCI*

10:45 - 11:15 A.M. Investment in the future of finance

Debate:

  • Fintechs as technology core providers for entire sectors
  • Where are we looking for potential? Investment areas with the highest returns and risks
  • Investment strategies of VC funds
  • Where to look for a boost in technology investment?
  • What value do public-private partnerships provide
  • How artificial intelligence can redefine investment strategy and generate value for financial firms, and what drives AI-based investments

Invited speakers:

  • Grzegorz Zawada, Director, VeloBank
  • Michał Miszułowicz, Head of Startup & Scaleup Center of Expertise, BNP Paribas Bank Polska
  • Karol Sadaj, Member of The Supervisory Board, AIP Seed

Moderator:

  • Antonina Karwasińska, Head of Operations and Development at Brokerage, BM Bank Pekao

11:15 - 11:25 A.M. < TBD >

Case:

  • Representative of Verestro*

11:25 - 11:55 A.M. Digital banking. Digital money and next-generation payment systems

Debate:

  • The impact of emerging technologies, such as CBDC, blockchain and tokenisation, on payments
  • Synergy and cooperation of fintechs with banks in the context of payments - blockchain renaissance
  • Building competitive advantage by leveraging CBDCs
  • Decentralisation of payments - stablecoins, CBDC, real-time settlement layer
  • Progressive standardisation and interoperability of tokens (ERC, ISO, MiCA)
  • Crypto Payments 2030. The role of education and the younger generation

Invited speakers:

  • Krzysztof Uryn, CTO, Santander Bank Polska*
  • Jacek Czarnecki, Founder/senior advisor, stablewatch*
  • Representative of Citi Handlowy

11:55 A.M. - 12:30 P.M. NETWORKING BREAK

DISRUPTIVE TECHNOLOGIES & PARADIGM SHIFTS

#DIGITAL ASSET DIRECTION

12:30 - 1:00 A.M. Tokenisation of the economy and the world of finance

Debate:

  • What are the ideas behind tokenisation? Will tokenisation undermine the standardisation of financial areas? The cryptocurrency ecosystem and its impact on the financial sector. Tokenisation in the sense of thinking in categories of standardisation
  • Development of digital assets and stablecoin. Where is the place for fintechs in the age of globalisation?
  • How digital asset innovation/Web3 infrastructure is driving a new era of innovation in the context of financial product availability
  • Asset tokenisation, DeFi, crypto adoption vs. stablecoin regulation and market risk

Invited speakers:

  • Szymon Sypniewicz, Founder Ramp*
  • Łukasz Wiśniewski, Director of blockchain projects, PKO Bank Polski
  • Filip Pawczyński, Chairman of the Board, Polskie Stowarzyszenie Bitcoin*

Moderator:

  • Grzegorz Sobiecki, Chairman of the Board,, Stowarzyszenie Ekspertów Blockchain

1:10 - 1:20 P.M. Using GenAI for financial analysis / live business case in the area of tokenization < TBC >

Case:

#AI & CYBER RESILIENCE

1:20 - 1:50 P.M. How to protect data and financial infrastructure

Debate:

  • Anti-fraud technologies as the foundation for protecting digital assets
  • From anti-fraud to quantum revolution - Quantum Computing. New dimensions of financial market operational infrastructure and data security
  • How is Voice Biometrics revolutionising customer authentication processes at financial institutions?

Invited speakers:

  • Beata Kwiatkowska, Member, ISSA Polska
  • Paweł Góra, Ph.D, CEO, Quantum AI Foundation
  • Krzysztof Słotwiński, CISO, BNP Paribas Bank Polska*
  • Representative of Polska Wytwórnia Papierów Wartościowych

1:50 - 2:10 P.M. Passkeys in banking: implementation in production at BNP Paribas Bank Poland - architecture and practical experience

  • From PoC to rollout - what the road looked like and what technical changes were necessary
  • User registration and login process and integration without system modifications
  • Challenges, lessons from implementation and plans for further expansion

Case:

  • Bartosz Cieszewski, Solutions Architect, Secfense
  • Bartosz Miazga, Security Architect, BNP Paribas Bank Polska

2:10 - 2:20 P.M. < TBC >

Case:

  • Representative of Visa
  • 2:20 - 2:30 P.M. The role of the cloud in the AI era? Key challenges for a successful migration to the cloud in financial services?

    Case:

    2:30 - 2:40 P.M. Digital DNA or adapting tradition to technology - delegating operational decisions to agent systems

    Case:

    2:40 - 3:20 P.M. Harnessing the potential of AI Agent and data in finance

    Debate:

    • Agentic AI as the future of institution-customer interaction - a new dimension of embedded finance models
    • How can fintechs take advantage of the opportunities presented by GenAI?
    • How to integrate AI with existing systems? What are the challenges in implementing AI technologies?
    • Generative artificial intelligence for the banking sector - unlocking growth opportunities versus optimising risk management
    • Artificial intelligence-based data management in financial institutions

    Invited speakers:

    • Jacek Dąbrowski, Chief Artificial Intelligence Officer, Board Member, Synerise
    • Piotr Helbich, Head of Open Banking & Embedded Finance Tribe, Deputy Head of Ecosystems Development Department, PKO Bank Polski
    • Representative of Santander Bank Polska

    Moderator:

    • Marek Kozłowski, Head of the AI Lab, OPI PIB Ośrodek Przetwarzania Informacji – Państwowy Instytut Badawczy

    3:20 P.M. LUNCH

* Organiser reserves the right to change the agenda