15th FinTech & 14th InsurTech Digital Congress

8:30 - 9:00 a.m. Registration of Guests

9:00 - 9:20 a.m. The opening of the Congress


With a rapidly changing business landscape, innovative strategies are becoming a key element for financial and insurance institutions. As business evolves, the fintech and insurtech sectors face new challenges and opportunities, indicating the need to adapt to rapidly changing realities. How do you keep up with progress and innovation?

9:20 - 9:35 a.m. Embedded Fintech and Insurtech: Ecosystems and Scale

The Inaugural Speech held by the Chairmen of the Advisory Board

  • Marcin Petrykowski, Chairman of the Program Board; CEO & Senior Advisor Finance & Technology
  • Jan Kastory, Vice Chairman of the Program Board; Founding Partner,
  • Paulina Skrzypińska, Vice Chairman of the Program Board; Chief Innovation Officer, BNP Paribas Bank Polska

9:35 - 9:50 a.m. The Soft Power of Transatlantic Tech: Scaling, Storytelling and Ecosystem-building

Keynote Speech

  • Natalia Brzezinski, Founder, Absolute Strategies

9:50 - 10:35 a.m. New challenges, new opportunities & new businesses

Inauguration debate:

  • Why is 2024 significant? Emerging changes in embedded finance. Insurance and financial models
  • Rise of insurtech. What factors influence the development of the sector?
  • New investment prospects. How is change revolutionising the fintech and insurtech industries?
  • Evolution of embedded products:
    • How has the embedded finance landscape changed? How is it developing, and in which direction is it heading?
    • Difficulties of the embedded insurance. Industry Recap
    • Examples from the market in the embedded area
  • A strategy for building a super app in Poland. Opportunities to implement other products in banks
  • How banks see bancassurance through the use of technology


  • Paweł Bułgaryn, Deputy Director of the Strategy Department, Ministry of Finance
  • Maciej Gołaś, Managing Director for Process, Service, and Digital Platform Development at PZU / PZU Życie
  • dr hab. Aneta Hryckiewicz-Gontarczyk, Professor at Kozminski University, Member of the Supervisory Board of ING Bank Śląski
  • Adam Niewiński, Co-Founder & General Partner, OTB Ventures
  • Aleksandra Sroka-Krzyżak, VP Group Strategy, M&A & Corporate Development, Allegro
  • Błażej Szczecki, Vice President, Bank Pekao
  • Adam Wandachowicz, Country Manager, Toyota Insurance Services Poland


  • Marcin Petrykowski, Chairman of the Advisory Board; CEO & Senior Advisor Finance & Technology

10:35 - 11:10 a.m. Embedded in the spotlight

The debate

  • Significance of the trend in the area of embedded finance & embedded insurance
  • Profitability vs product fit. How to achieve balance?
  • How can embedded products be incorporated to make them profitable? Manners of use
  • Why are customers defensive about embedded insurance? User engagement and product offering
  • How can embedded products be effectively woven into the customer's buying process and offered attractive solutions? Multifunctional applications
  • The openness of banks to sell online loans to new customers is a barrier to the growth of embedded lending
  • Embedded products and expectations of Generation Z - how to tap into customer emotions? Evolution of business models


  • Bartosz Bliuj-Stodulski, CEO, Laboratorium EE
  • Szymon Gutkowski, Member Board Of Directors, Kaspi Bank
  • Tomasz Mańko, Vice President, PKO Ubezpieczenia
  • Katarzyna Tomczyk-Czykier, Director of the Retail Banking Innovation and Digitalization Division, Bank Credit Agricole
  • Arkadiusz Zaremba, Managing Director, OtoMoto Pay


  • Jan Kastory, Vice Chairman of the Program Board; Founding Partner,

11:10 - 11:20 a.m. Innovations in online vehicle financing

Case study

  • Robert Rodek, Head of Risk, OtoMoto Pay

11:20 - 11:30 a.m. Buy Now Pay Later - the payment method that has conquered e-commerce. Is it time for deferred payment of insurance policies?

Case study

  • Radosław Dylik, Board Member Responsible for Sales and Marketing, Payka

11:30 - 11:45 a.m Feedback from 20,000 customers in seconds

Case study

  • Filip Krzystanek, Deputy Director Of Analytical Business Solutions, Predictive Solutions

11:45 - 12:25 a.m. Tech-savvy. Innovation in the financial and insurance sectors

The Debate

  • Impact of trends and changes in the sector. Revolution in the development of insurtech companies
  • Financing of insurtech companies and market correction. How to encourage big insurance players to invest in insurtechs?
  • How to engage customers with technology? GenZ and Silver - new customer segments in the digital sphere as a challenge for fintechs and insurtechs
  • Innovations in B2C and B2B fintech solutions:
    • Fintechization of banking services - is the only way for the banking sector to follow fintechs?
    • Transformation and new forms of payment. Could it be more convenient?
    • External instruments for financing innovation
  • Neobanks and their impact on modern banking or innovative digital services
  • What role will e-commerce play in banking? Development of in-house e-commercials in the financial sector
  • Cross border e-commerce - supporting domestic merchants to expand abroad as a challenge for the fintech sector


  • Marta Dałkiewicz, Director of Electronic Banking Department, Digital Channel Transformation Area, VeloBank
  • Łukasz Dwulit, Head of CEE, Klarna
  • Piotr Frankowski, Managing Director, Ayming Polska
  • Piotr Radziszewski, Head of the Insurance Sector Division, Department of Financial Market Development, Ministry of Finance
  • Małgorzata Walczak, Investment Director, PFR Ventures
  • Katarzyna Wojdyła, Vice President, Link4


  • Paulina Skrzypińska, Vice Chairman of the Program Board; Chief Innovation Officer, BNP Paribas Bank Polska

12:25 - 12:40 p.m. Innovations and Challenges in the Fintech & Insuretech World through the Prism of AI

Case study

  • Prof. dr hab. inż. Aleksander Nawrat, CEO, MATIC SA
  • Piotr Pietrzak, Director of Technology and Innovation, IBM Polska



The transformation on the horizon looks like a dynamic landscape where artificial intelligence is becoming crucial, and its evolution is leading to deeper integration of services into users' daily activities. A key solution to overcoming difficulties in the financial and insurance sectors may be to effectively understand the customer, be open to innovation and adapt to change. How do you do it, how do you know it, and how do you protect yourself from the risks associated with it?

1:10 - 1:20 p.m. Automation and Deregulation – Collaboration for Insurance

Case Study

  • Michał Dworakowski, Managing Partner, iBooster, Polskie Polisy

1:20 - 1:30 p.m. Remote contract signing and identity verification. Why are we still stuck with half-digitized processes? Full transformation of e-signing with e-identification at your fingertips

Case Study

  • Maciej Zygmański, Business Development Manager, SIGNIUS


1:30 - 1:40 p.m. Future of AI with Dollarro.Com

Case Study

  • Jakub Zygmunt, CEO & Founder, Dollarro.Com

1:40 - 2:25 p.m. AI. Risk or advantage?

The debate

  • Risk or possibilities? What factors determine competitive advantage in the AI market?
  • Democratization of AI. Impact on the investment market
  • Ethical AI. Methods of implementation in practice
  • Quality assurance in AI. Using AI to optimise finances, automate tasks and build efficiencies
  • AI's ability to detect patterns and anomalies. Enhance the security of financial transactions and prevent fraud and cyber-attacks
  • Will car companies introduce pay-how-you-drive insurance based on telematics data?
  • What are the main technological developments after AI? Analysis of the prospects for technological development after the era of artificial intelligence


  • Anita Bogusz, Board Member, Chief Risk Officer, Nationale-Nederlanden
  • Mikołaj Firlej, Co-Founder and General Partner, Expeditions Fund
  • Michał Głomba, CEO, Stratoflow
  • Przemysław Koch, Board member for operations and IT, VeloBank
  • Katarzyna Majewska, Vice President, Citi Handlowy
  • Rafał Strzelecki, CEO, Cash Director


  • Mariusz Szmigiel, Member of the Board, Innovations Hub Foundation

2:25 - 2:35 p.m. Innovative strategies of risk management: Revolution in cost and risk with automation of AML and KYC/KYB verification processes

Case study

  • Krzysztof Borcz, Founder & CEO, Vercly
  • Elżbieta Tomaszewska, Head of Transaction Risk & AML, Polskie ePłatności

2:35 - 2:45 p.m. Future solutions in the present - artificial intelligence in life insurance claims handling

Case study

  • Monika Jaroń-Kornatka, Tribe Leader – Director of Operational and Financial Excellence Department, UNIQA TU na Życie


2:45 - 3:00 p.m. Cooperation of a mature Insurance Company with a startup in the field of user identity security and compliance with KNF and DORA requirements

Case Study

  • Krzysztof Góźdź, Sales Manager, Secfense
  • Iwona Kondracka, Managing Director of Technology and Insurance Digitization, SALTUS Ubezpieczenia

3:00 - 3:15 p.m. Does DORA compliance ensure digital resilience? Proportionality, testing, cost

Introductory presentation

  • dr Bartosz Wyżykowski, Legal Counsel, Partner, DLK Legal

3:15 - 3:50 p.m. The Data Age & RegTech. The synergy of technology and regulation

The debate

  • Data protection challenges in the context of moving data between different cloud platforms
  • Selecting the appropriate security and prevention activities through the prism of data intrusion and its sources
  • Demand for new technologies related to cyber security. How can we prevent the rising tide of cyberattacks in the insurance and banking sectors?
  • Regtech - how is the regulatory puzzle changing? Landscape of the Data Act
  • DSA - Digital Services Act. Sovereign identity and data access - how to protect data?
  • AI Act. The first regulation of artificial intelligence. Shaping the future of AI


  • Michał Czapracki, CEO & Founder, Scramjet
  • Mariusz Ożga, Head of Strategy & Innovation, Santander Consumer Bank
  • Grzegorz Pawlicki, Board Member & CIO TU Europa & TUnŻ Europa, HDI Embedded
  • Anna Stepanów, AI & Analytics Product Owner / AI Lead, BNP Paribas Bank Polska
  • dr Bartosz Wyżykowski, Legal Counsel, Partner, DLK Legal


  • Artur Kurcweil, Banking sector expert in the field of technology, Vice President of the Management Board of PKO BP in 2021-2024

3:50 - 4:20 p.m. EMT Tokens in Poland: Regulation, Practice and the Future - A Business Perspective


  • Business aspects of EMT token implementation:
    • Why is it worth implementing EMT tokens?
    • What is the business value of EMTs?
    • Who would be interested in implementing EMTs?
    • The future of the EMT token market and its impact on the financial market
  • EMT token issuance - practical technological and regulatory aspects:
    • Practical aspects of issuing tokens, including - EMT construction, necessary documentation, registrations and licenses;
    • Challenges and technological barriers to emitting EMTs
    • Regulatory requirements - expectations and support from the FSA


  • Michał Barwicki, Legal Advisor, Kancelaria Macura
  • Wojciech Kaszycki, Founder and Chairman of the Supervisory Board, Mobilum Pay
  • Robert Kałuża, Co-founder and CEO, Billon Group
  • Urszula Miziołowska, Head of the Payment System Division at the Department of Financial Market Development, Ministerstwo Finansów


  • Jerzy Karney, CEO, Mobilum Pay

4:20 - 4:50 p.m. Healthtech horizons. Who will take care of the customer's health?


  • Impact of the healthcare sector on the development of the insurtech market
  • The importance of partnerships between mature insurers and insurtechs and healthtechs. Business risks associated with innovation, the culture of innovation
  • The need for a systemic development of a fast-track certification and reimbursement path for healthtech innovations
  • Imbalance between beneficiary (public health service) and payer (private insurer) in prevention and preventive solutions as an argument for cooperation between private and public sectors


  • Andrzej Browarski, Head of Analytics and Innovation Officer, PZU Życie
  • Marta Kuźnicka, Head of Quality & Regulatory Infermedica
  • Paweł Koczkodaj, Profesor Instytutu, Narodowy Instytut Onkologii im. Marii Skłodowskiej-Curie – Państwowy Instytut Badawczy
  • Beata Rosiak, Director on the Health Insurance Office, Signal Iduna


  • Artur Białoszewski, Head of the SGH-WUM EMBA program in health care, Warsaw Medical University



The organizer reserves the right to make changes to the agenda.
* Speakers in the process of confirmation