PLENARY SESSION: What will the future bring?

9:00 - 9:05

Videoshow & warm-up [HU&EN]

Host: Monika Németh, FinTech Group, Co-founder, Host of FinTechShow

Németh Monika

9:05 - 9:30

The changing world of banking and payments [EN]


  • What has changed in the past years?
  • Main challenges and opportunities in the upcoming years.

Speaker: Panagiotis Kriaris, Unzer, Commercial Director | Fintech influencer

Panagiotis Kriaris

9:30 - 9:55

It's not the same world anyomre [HU]


In Hungary, credit card fraud has increased one and a half times since 2021. The value of fraudulent transfers has almost tripled.

It is not only the public sector, the financial institutions and the media that are under constant attack, but also the users of electronic banking services.

Hungarians are much less informed about cyber security than the EU average: only 5 out of 100 Hungarians feel prepared for this challenge. One third of Hungarians do not report if their data has been misused and 34% do not report if money has been stolen.

  • How do hackers work?
  • What is the expected level of damage?
  • Where and how will they attack us?
  • What can we do about it?

That's what this presentation will answer.

Speaker: Péter Mondovics, Mastercard, Marketing Manager

Mondovics Péter

9:55 - 10:15

Presentation by the Ministry of Economic Development [HU]


  • TBD

Speaker: Gergely Fábián, Ministry of Economic Development, State Secretary

Fábian Gergely

10:15 - 10:35

Seven years of experience, expectations for the next seven years [HU]


  • TBD

Speaker: János Pereczes, MBH Bank, Managing Director


10:35 - 11:00

Coffee break


Session 1.A: What's new in the payments industry

Warm-up [HU]

Host: Ágnes Sütő, Hungarian Banking Association, Chief Economist, Bank Security, Electronic Channels and Payments
Sütő Ágnes

11:00 - 11:20

New payment method in Hungary [HU]


  • Where is the instant payments ecosystem now? (Overview)
  • Where is the instant payments ecosystem going forward? (Perspective)
  • Tasks ahead of us (Insight)
  • The conditions for success of the new payment method (Education and cooperation)
Speaker: Zsolt Selmeczi-Kovács, PhD, GIRO Ltd., CEO
dr. Selmeczi Kovacs Zsolt

11:20 - 11:40

Payment market updates and trends: What defines everyday life and what can be expected in the future? [HU]


  • TBD
Speaker: Al-Absi Gáber Seif, PhD, OTP Mobil, Deputy Managing Director | OTP Bank, Senior Advisor
dr. Al-Absi Gáber

11:40 - 12:00

A single connection to the whole world: new opportunities for cross-border payments [HU]

  • The COVID epidemic has crossed borders in the strictest sense of the word. It has accelerated the spread of digital technologies and devices, making our lifestyles, work and businesses increasingly independent of national borders.
  • The impact of this can be seen in payments, with the fastest growing types of payment being sending money to other countries, receiving payments from a foreign employer or paying an invoice to an international supplier.
  • Mastercard's cross-border services respond to these new needs and enable people and businesses to send and receive money securely, quickly and transparently from anywhere in the world through a single, secure access point.

Speaker: Annamária Tóth, Mastercard, Products and services specialist

Tóth Annamária

12:00 - 12:20

A new chapter in banking digitalisation: instant card issuance [HU]

More details:

  • Regional trends and experiences.
  • The benefits of instant digital card issuance for financial institutions and their customers.
  • Real-time customer experience beyond card issuance. APIs at the service of card issuers.
  • Case study in Hungary: service implementation, experiences and feedback.
Speaker: Inna Pushkash, NEXI Central Europe, Head of Product, CE Region
Inna Pushkash

12:20 - 13:15

Lunch break


Session 2.A: Digital Financial Innovations

Warm-up [HU]

Host: Gyula Szincsák, Visa, Payment Solution Senior Manager, CEE

Szincsák Gyula

13:15 - 13:35

How to democratise banking advisory? [HU]

More details:

  • Is advice still a privilege for premium clients?
  • How can the 200 years of advisory experience of a bank and digital innovation be combined to change this?
Speaker: László Bek-Balla, Erste Bank, Head of Digital Channels & Contact Center
Bek-Balla László

13:35 - 13:55

AI-driven banking at Gránit Bank [HU]

More details:

  • TBD

Speaker: Máté Jendrolovics, GB Solutions, Founder & CEO

Jendrolovics Máté

13:55 - 14:15

KATE, the first AI-based digital financial assistant [HU]

More details:

  • TBD
Speaker: Zsolt Vadócz, K&H Group, Head of Innovation Directorate
Vadócz Zsolt

14:15 - 14:35

Fireside chat: API economy [HU]
Fireside chat details:

  • How to turn regulator-driven open banking into a premium, market-based API ecosystem?
  • How to monetize the banking API (ecosystem)?
  • What solutions have been developed so far at Raiffeisen Bank?
  • Where can a banking-driven API ecosystem evolve?
Discussion partner: Gergely Czímer, Raiffeisen Bank, Managing Director – Head of Corporate Digital and Payment Solutions
Czimer Gergely

14:35 - 14:50

Hungarian BNPL in practice - this year’s evaluation, short-term expectations and insights from abroad [HU]

Case study:

  • What do customers say, what do traders see?
  • How is the professional debate going: credit for goods = BNPL or not?
  • What do the numbers show?
  • Who will be the first Hungarian Allegro? In other words, a market-leading online shop that achieves breakthrough success with BNPL.
  • Can the domestic BNPL providers kick the ball abroad?
  • Will there be Klarna in 2028 or will it be crushed by Apple Pay Later?

Speaker: Géza Bruzsa, Fintrous Group | Instacash, CEO

Bruzsa Géza

14:50- 15:15

Coffee break


Session 3.A: What is the Next Big Thing?

Warm-up [EN]

Host: Barnabás Málnay, SmartWare.tech, partner | ELTE Faculty of Informatics, Business Development Manager

15:15 - 15:25

FinTechShow Award Ceremony [EN]

The FinTechShow winners so far::

  • 2017: Cristo
  • 2018: Aggreg8
  • 2019: PénTech
  • 2020: Perfinal
  • 2021: Acounto
  • 2022: Verify
Host: Monika Németh, FinTech Group, Co-founder, Host of FinTechShow
Németh Monika

15:25 - 15:40

Presentation by the Hungarian Fintech Association [EN]

More details:

  • TBD

Speaker: Zoltán Ács, Hungarian Fintech Association (HFA), President

Szász Ferenc

15:40 - 16:30

Roundtable on Fintech opportunities and challenges in the CEE region [EN]

Roundtable topics:

  • What are the conditions for fintech unicorns to be born in the CEE region?
  • In your experience, what are the most significant challenges (e.g. raising capital, regulatory compliance, sales, exports, etc.) that fintech companies face in your country?
  • How (with what programmes, actions, services) can the association help its members to address and solve these challenges and help fintech companies to grow?
  • How successful do you see the cooperation between fintech companies and banks in your country?
  • What new technological trends and innovations are driving the development of the fintech sector in the CEE region? In your opinion, what kind of technology-driven innovations do you expect to see in the financial sector in the next 2-3 years?
  • What future opportunities and challenges do you see in the Central and Eastern European fintech sector and how do you plan to respond as an association?
Host: Barnabás Málnay, SmartWare.tech, partner | ELTE Faculty of Informatics, Business Development Manager
Hunyady László | Euronics

Zoltán Ács
Hungarian FinTech Association

Nic Balaceanu

Nic Balaceanu
Romanian Fintech Association
Board member & Vice President


Miroslav Lukes

Miroslav Lukes
Czech Fintech Association
Chairman of the Board of Directors


Pawel Widawski

Pawel Widawski Ph.D.
Fintech Poland


16:30 - 17:05

Discover the future of the financial services on Platform Economies [EN]

More details:

Paolo Sironi delivers a detailed examination of how platform theory, born outside of financial services, is making its way inside banking and financial markets to radically transform the way firms do business with new technology.

You’ll learn why banks and fintech must master the necessary shift of focus from selling business outputs to selling client outcomes based on engagement and relationships, at the intersection with cloud computing, open data sharing, and artificial intelligence.

You’ll also discover how financial services are steering new forms of digital transformation underpinned by Contextual Banking and Conscious Banking platform strategies that will benefit stakeholders of all kinds.

Speaker: Paolo Sironi, IBM, Institute for Business Value, Global Research Leader, Banking

Bestselling Author “Banks and Fintech on Platform Economies”

Paolo Sironi


Closing remarks [EN]

Speaker: Monika Németh, FinTech Group, Co-founder, Host of FinTechShow

Németh Monika




Section 1.B: Fintech solutions from the region

Warm-up [EN]

Host: Szilvia Egri, FinTech Group, Managing Director

Egri Szilvia

11:00 - 11:20

Check out a new Checkout Experience: “Click to Pay”, provided by Netcetera [EN]

More details:

  • Learn how "Click to Pay" improves the customer checkout experience - opportunities for card issuers and merchants.
  • See "Click to Pay" in live action.
  • Experiences and results from the Czech market.
  • Meet Netcetera - you partner for next level eCommerce projects.

Speaker: Petra Paul, Netcetera (CH), senior sales executive

Petra Paul

11:20 - 11:40

AI & Embedded Finance [EN]

More details:

  • Embedded Finance, the future of Financial Services.
  • Role of AI in SME Lending.
  • Risk as a Service (RaaS) for Financial Institutions.

Speaker: William Jalloul, Flowpay (CZ), founder & CEO

William Jalloul

11:40 - 12:00

Automating onboarding, financial risk assessment & fraud detection with Algolytics Data Science Platform [EN]
More details:

  • Typical credit scoring process and its affect on sales
  • Building effective default / fraud risk model based on spatial data & biometrics
  • The role of data quality in fraud prevention & credit scoring
  • Components of the Algolytics Platform to support the entire DS/ML lifecycle

Speaker: Piotr Biegun, Algolytics (PL), COO

Piotr Biegun

12:00 - 12:20

Open Banking is breaking the way! [EN]

More details:

A couple of years ago, API availability and data quality issues were the talk of the town when it came to Open Banking. Today, however, technology has caught up and Open Banking solutions are breaking into new areas:

  • On 2 October, Cofidis and Aggreg8 launched a joint solution that allows you to get an online loan in as little as 20 minutes, completely automatically and independently of the bank.
  • In the near future, an online bank account cost comparison solution will be launched by Aggreg8 and a banking partner, allowing you to estimate exactly how much you could save by switching accounts based on your actual account history, and then open a new account using a mobile self-service account opening tool.
  • Open Banking data can also revolutionise the commercial and marketing sectors, both in terms of customer management and data management. Introducing FintechX's new embedded finance solution, Spendwyze!
Speaker: Tamás Gémes, FintechX, Aggreg8.io (HU), CTO & co-founder
Gémes Tamás

12:20 - 13:15

Lunch break


Session 2.B: Fintech & beyond banking startup pitches

13:15 - 13:20

Warm-up [EN]

Host: Barnabás Málnay, SmartWare.tech, partner | ELTE Faculty of Informatics, Business Development Manager
Puskás Inna

13:20 - 14:50

Fintech & beyond banking startup pitches [EN]

14:50 - 15:15

Coffee break

15:15 - 15:25

[ROOM: BARTÓK] FinTechShow Award Ceremony [EN]


Session 3.B: Beyond Banking strategies and solutions

Warm-up [HU]

Host: Viktor Urbán, Hungarian Fintech Association, General Secretary

15:25 - 15:45

Fireside chat: How genAI can make your business data chatty! [HU]
Fireside chat details:

  • What happens when you integrate generative AI into a billing system?
  • What business management questions will gen AI be able to answer?
  • How might AI transform our relationship with our company?
  • Last but not least: AI visions for the future of business management, for reforming business finance.

Speaker: Albert Sárospataki, Billingo, CEO, Co-founder


15:45 - 16:25

Roundtable: beyond banking & digital ecosystem strategies [HU]

Roundtable topics:

  • Beyond banking functions and digital ecosystems in the OTP Group approach. What digital ecosystems is the OTP Group building?
  • How is a banking digital ecosystem different from a BigTech ecosystem?
  • How are OTP Bank's digital ecosystems built?
  • What accelerates and what slows down the building of a digital ecosystem with a banking background?
  • Where can banking digital ecosystems evolve to?

Host: Gábor Lemák, FinTech Group, Co-founder

Lemák Gábor
Fischer András

András Fischer
OTP Bank
Director of Innovation

Lipták Zsuzsa

Zsuzsa Lipták
OTP Otthonmegoldások
Managing Director

Straub Fanni

Fanni Straub
(OTP Group)
Managing Director

16:30 - 17:05

[ROOM: BARTÓK] Discover the future of the financial services on Platform Economies [EN]

Speaker: Paolo Sironi, IBM, Institute for Business Value Global Research Leader, Banking

Bestselling Author “Banks and Fintech on Platform Economies”




Main Sponsor:


Gold Sponsors:

SimplePay_by_OTP Mobil
Neumann Technologiai Platform

Silver Sponsors:

Erste Bank
Gránit Bank
MBH Fintechlab

Bronze sponsors:

DigitalTech - EDIH
HVG Könyvek


HFA - Hungarian Fintech Association
Rofintech Romanian Fintech Association
Czech Fintech Association
FinTech Poland
Raiffeisen Bank
IVSZ - Szövetség a Digitális Gazdaságért
Depo Ventures




e-mail: hello@fintechgroup.hu

Get involved:

Contact: Szilvia Egri

e-mail: szilvia.egri@fintechgroup.hu

The organiser (FinTech Group Kft.) reserves the right to change the programme, venue and time.