As FinovateEurope returns to London on February 10 and 11, the highlight on the second day of the convention shifts from demos to deep dialogue. On February 11, FinovateEurope’s Business Phases run in parallel with each other, giving attendees the chance to dive into strategic conversations shaping monetary companies in 2026.
This 12 months’s occasion options 5 Business Phases: Synthetic Intelligence; Banking, Regulation & Danger; Buyer Expertise; Lending; and Funds. Every stage is designed to supply banking and fintech leaders extra than simply principle. The classes give attention to what’s working in observe, what’s breaking underneath the strain of recent expertise and rules, and what establishments must rethink about their present operations.
Synthetic Intelligence: from pilots to manufacturing
The AI stage will function discussions on one of many greatest challenges going through monetary establishments immediately: transferring past experimentation. The classes will discover classes realized from early AI agent pilots, governance frameworks to fight “shadow AI”, and the way banks can scale AI responsibly. Highlights embrace a keynote from Richard Davies, CEO of Allica Financial institution, who will converse in regards to the realities of implementing AI in manufacturing. The stage can even host panels tackling ROI, knowledge readiness, and accountable AI as a aggressive necessity.
Buyer Expertise: personalization with out dropping the human contact
On the Buyer Expertise stage, the dialog strikes previous buzzwords to give attention to execution. Periods will study how open knowledge allows hyper-personalization, why mindset may be the most important problem, and the way banks can retain empathy whereas scaling. A standout energy panel brings collectively leaders from J.P. Morgan, Invesco, and PolyAI to discover what banks can be taught from different industries as buyer expectations are being reset by the evolution of enabling applied sciences.
Funds: on the spot, clever, and underneath menace
Funds are shortly evolving throughout the globe, particularly with new rules similar to PSD3 and new capabilities and enabling applied sciences similar to on the spot funds, stablecoins, and cross-border modernization. Panels will give attention to how data-centricity and AI can unlock development whereas strengthening safety, particularly as fraud losses and cyber threats maintain rising.
Banking, regulation & danger: resilience in a unstable world
Regulatory strain and operational resilience would be the middle of the dialog on this stage, the place discussions will span DORA, dispute administration, and the dangers embedded in cloud and AI adoption. These classes are particularly related for banks navigating advanced vendor ecosystems whereas being requested to do extra, sooner, and with larger accountability.
Lending: capturing the embedded alternative
The Lending stage will take a look at how banks can reclaim development by assembly unmet wants, particularly in small enterprise and embedded lending. Panelists will discover how AI is reshaping credit score decisioning, how regulation is evolving, and the place incumbents can realistically compete with fintech challengers.
Collectively, these 5 Business Phases on February 11 will supply a concentrated take a look at the choices that can outline banking’s subsequent chapter. If you happen to register for FinovateEurope earlier than January 30, you may nonetheless save £300.
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