DIGITAL BANKING ECOSYSTEM & FINTECH

• Transition to risk-oriented supervision: new priorities of the NBU for banks and non-banking financial institutions
• Significant financial companies under increased supervision: criteria, additional requirements and features of control in 2026
• Synchronization of prudential supervision: how the NBU brings standards together for banks and non-banking sectors
• Changes in surveillance tools and influence measures: what has strengthened the regulator for banks and the NFU
• New reporting and disclosure requirements: Practical changes from April 2026
• Corporate Governance, Internal Control and Compliance under the supervision of the NBU — the regulator's expectations
• Supervision of financial monitoring (AML / FT): typical violations and strengthening of responsibility
• Future of supervision in 2026–2027: differentiated approach, stress testing and adaptation to new risks

• Dora and other regulatory requirements 2026–2027:
  How to move from formal compliance to real operational stability (implementation, sustainability tests, effective incident reporting).
• 
Zero Trust Architecture for the financial sector:
  Practical experience of a complete transition in 2026 (micro-segmentation, continuous verification, real cases of banks).
• AI in cyber defense against AI in cyberattacks:
  As the new generation SoC, Adversarial AI (AI-Driven Detection, automated Response, counteracting AI-generated attacks) wins.
• Third-party cyber risks and supply chains:
  From Fourth-Party Risk to Total TPRM (Dora requirements for Critical ICT Providers, Continuous Monitoring Suppliers).
• Hybrid crisis scenarios:
  Simultaneous cyberattack + energy blackout or mass outage (practical cases of Ukraine, Business Continuity and Disaster Recovery 2.0).
• Cyber insurance as a strategic tool:
  What really covers the policy in 2026-2027 and how to use it as efficiently as possible.
• Identity-Centric Attacks and Protection:
  Counteraction to AITM, Quishing and Credential-based attacks in the banking environment.
• 
Cloud Resilience and Concentration Risks:
  How to avoid critical dependence on one provider in the face of geopolitical threats.
• Cyber resistance of NFC (fintech, insurance companies, credit unions):
  Features and key differences from banking approaches (smaller budgets, higher innovation speed, specific regulatory requirements).
• Recovery from the attack:
  How to ensure true Business Continuity, minimize financial and reputational losses (Post-Breach Recovery, Communication Strategy, Lessons of Real Incidents 2025-2026).

•  Overview of current technologies in 2026
•  Changes in the regulatory framework of the NBU and the State Energy Supervision
•  International experience (USA, Israel, South Korea)
•  Public-private partnership in the energy sector
•  Cyber resilience of power systems as part of operational risk
•  Audit and Certification of Energy Ready
•  Communication strategy with customers and investors
•  The role of fintech and startups in bank solutions
• Round table: "Who will pay for energy modernization?"
• Results and recommendations for the banking sector

• Paperless Bank: Evolution of Electronic Document Management in 2026
• Intelligent Document Management: How AI and Blockchain Ensure Legal Significance
• Electronic document management in finance: regulatory challenges and scalability
• Digital Transformation of Document Management: Real Market Leaders Cases
• Future without paper: integration of electronic signature and automated workflow
• Document Management 2.0: Cloud Platforms and Effective Interbank Interaction
• Legally significant electronic document management in the banking sector
• Automation of corporate document management: from onboarding to digital archive
• Zero Paper Strategy: How Banks Completely Give Up Paper in 2026
• 2026 document management digitization: from paper to full automation

• Intelligent Bank Management: RPA, AI and Dynamic Control
• Back-Office automation: how to achieve operational excellence
• Smart Governance: Digital Dashboards and Proactive Risk Management
• Automated Management: From routine to strategic decision making
• Intelligent Operations: The Future of Banking Management
• HyperAutomation in Banks: Control and Efficiency 2026
• 
Digital COE: AI-Based Operating Excellence Center
• 
Real-time automation and control: new management standards
• Smart Bank Operations: A balance between automation and human supervision

• Data centers 2026: Edge Computing, Green IT and hybrid clouds

• Evolution of Cloud Infrastructure of Banks: From Migration to Native Cloud
• The future of data centers: AI-optimization, quantum threats and sustainability

• hybrid clouds in the banking sector: security, compliance and scalability
• Next-Gen Data Centers: Energy Efficiency and Infrastructure for AiCloud
• Transformation 2026: Multi-Cloud Strategies for Banks

• Data centre upgrades: from Legacy to Sovereign Cloud
• Banks Cloud Systems: Cost, Safety and Performance Balance

• Edge and Core: New Banking Infrastructure Architecture
• Sustainable Development of Data Centers: Green Computing in the Financial Sector

• Payment Systems 2026: The Way to Digital Only and Instant Payments
• From plastic to tokens: real-time payment evolution
• Card-free future: CBDC, Digital Wallets and Open Loop
• Payment Transformation: Embedded Finance and Contextual Transactions
• Instant & Invisible Payments: New Era of Bank Settlements

• Digital Only Payments: Strategies for Complete Bank Transition

• Payment Revolution 2026: Biometrics, A2A and Cross-Border Innovation
• From Cards to Ecosystems: How Payment Chains Change

• Regulatory changes and technologies: future of payment infrastructure
• Cashless & Cardless World: Global Trends and Ukrainian Realities

• Mobile Banking 2026: A personal AI assistant in your pocket
• Intelligent Interaction: Voice, Predictive and Proactive Banking
• Super App Banking: How Mobile Applications Are Becoming Financial Ecosystems
• The future of digital customer experience in mobile banking
• AI-First Mobile Banking: Emotional Intelligence and Hyperpersonalization
• A new generation of mobile banks: Zero Friction and contextual interaction
• Biometric & Conversational Banking: 2026 trends
• Mobile Bank as LifeStyle Platform: Outside of Finance
• Intelligent Onboarding and Lifelong Customer Journey in Mobile
• Predictive Mobile Experience: a bank that provides customer needs

• Open Banking 2026: from regulation to a real open ecosystem

• API-First Banking: data monetization and affiliate models
• Open Finance: Evolution Open Banking Beyond Payments
• API Ecosystem Strategies: Security, Governance, and Revenue Streams

• Open Banking as a competitive advantage: cases and forecast

• Regulatory Sandbox and Open Banking Technology Standards
• Embedded Finance via API: Integration of Finance into Non-Financial Services
• Next Level Open API: Composable Banking and real time data

• Open Banking in Ukraine and the EU: harmonization and opportunities Security and trust in Open Banking: PSD3, Dora and new challenges

• Big Data 2026: From Analytics to Prescriptive Insights
• Advanced Analytics in Banks: Real-Time Decisioning and Automation
• Data-driven banking: data monetization and ethical use

• Next-Gen Analytics: Graph databases, vector search and AI-agents

• Unified Data Platform: How Banks Create a Single Source of Truth
• BIG DATA for personalization and risk management
• Real-Time Analytics: Competitive Advantage 2026

• Data Mesh and Data Fabric: Modern Banking Data Architecture

• From Big Data to Actionable Intelligence in Finance
• Analytics's Future: Causal AI and automated insights

• Explainable AI in the banking sector: trust, compliance and ethics

• XAI 2026: how to make artificial intelligence solutions transparent

• From black box to clear models: regulatory requirements

• Explainable AI for Credit Scoring, Fraud and Compliance

• Human-AI Collaboration: Clarity of decisions as a key factor
• XAI Techniques: SHAP, LIME and new approaches of 2026

• Regulatory Landscape: EU AI Act and Explanability in Finance

• Building trust in AI: Explainable models in banks

• Hybrid Systems: AI Combination and Expert Knowledge
• The future of responsible AI: transparency and accountability

• Loyalty 2026: From Transactions to Emotional Connection

• Barrier-free customer experience: trust and hyperpersonalization

• AI-based personal service: a new customer retention model
• Loyalty Ecosystem: How to create value outside of products
• Zero Friction Banking: The key to long-term loyalty
• Trust in the Digital Age: Data Ethics and Transparency
• Next-Gen Loyalty Programs: Dynamic, Contextual and Fair
• Client at the Center: Personalized Proactive Service
• Behavioral Banking: understanding and predicting loyalty
• The future of the customer bank: emotional intelligence and co-creation

• AML/FT 2026 Automation: AI and Machine Learning in Real Time
• Intelligent financial monitoring: from rules to risk-based approach
• Transaction Monitoring 2.0: Behavioral Models and Network Analytics
• Compliance Automation: Reducing False Positives and Operating Costs
• AI in the fight against laundering: cases and best practices
• Transaction Analysis: Real-Time Threat Detection

• Data integration and AI for effective financial monitoring
• Regulatory Technologies (Regtech) in AML: New Opportunities
• Predictive financial monitoring:
  Preventive protection
• Balance of Compliance and Customer Experience in Automated Monitoring

• Insurtech 2026: Digital Ecosystems and Embedded Insurance
• The future of digital insurance: personalized and usage-based models
• Banks and Insurance: Creating common digital ecosystems
• AI and IoT in Insurance: Preventive and Parametric Products
• Customer Experience in Digital Insurance: Seamless and Instant

• Open Insurance: API Ecosystems and Partnerships
• Innovative insurance models in the banking ecosystem
• Digital transformation of insurance product and service
• Predictive Insurance: From Reaction to Prevention
• Bancasurance 2.0 ecosystem: new models of interaction

• Retail Banking 2026: New Customer Center Paradigm
• Retail Banking Future: From Products to LifeStyle Solutions
• New Model Retail Bank: AI, Ecosystems and Hyper-Personalization
• Retail Banking in the post-digital era: emotions, trust and value
• Open retail banking platforms 2026

• Next Generation Retail Bank: Technology and the Human Factor
• Retail Segment Transformation: Challenges and Opportunities 2026
• Customer-First Retail Banking: New Service Architecture
• The future of the branch network and digital Retail

• Retail Banking as a service platform: innovation and sustainability

• Regulatory and risks
• New management and financial monitoring: legal responsibility
• Cyber Stability and Clouds: Legal Protection of the Bank in Incidents and Compliance in Cloud
• Energy independence: legal aspects of business continuity and work with contracts in force majeure
• Technologies as evidence
• Digital document flow: legitimacy of e-signatures and use of electronic documents as bases in debt collection courts
• Artificial Intelligence and Big Data: Who is responsible for AI's decision and how to protect banking secrecy in big data analyses
• New markets and formats
• Open Banking and Digital Only: Delimitation of Responsibility with Partners via ARI and Legal Status of Non-Banks
• Retail Banking 2026: Consumer Protection in Mobile Banking and Legal Frames of Service Personalization
• Insurtech: legal support for the introduction of insurance innovations in banking products.

• GameFi and the new digital economy
• AI in GameDev and Fintech
• Embedded Finance in video games
• Cybersecurity and Anti-Fraud in Gaming Ecosystem
• Esports & Digital Finance
• Metaverse & Virtual Economies
• UX/Game Design for Fintech
• Mobile Gaming & Digital Payments