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

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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.

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• 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)

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• 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.

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• 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.

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• 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?

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• 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?

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?

The FinTechShow winners so far::

• 2017: Cristo
• 2018: Aggreg8
• 2019: PénTech
• 2020: Perfinal
• 2021: Acounto
• 2022: Verify

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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?

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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.

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• 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.

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

• 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

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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!

• 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.

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?