Agenda

DAY - 1
DAY - 2
Awards and Gala Dinner

08:00 – 08:50

REGISTRATION & NETWORKING COFFEE

08:50 – 09:00

INAUGURATION & OPENING CEREMONY

09:00 – 09:15

Beyond the Roadmap: What the Philippines' Digital Finance Progress Actually means in Pesos and People

The numbers that matter: BSP 2024 Financial Inclusion Survey data — account ownership at 56%, InstaPay hitting ₱1T+ monthly volume, and the 44% of adult Filipinos still outside the formal system
From metrics to mandate: What the open finance framework, PhilSys rollout, and digital payments transformation roadmap require from institutions in the next 18 months — specifically
The trust infrastructure imperative: Why regulatory excellence, consumer protection enforcement, and cybersecurity governance are the non-negotiable prerequisites for the Philippines to become a preferred regional financial hub

09:15 – 09:30

Driving Inclusive National Growth Through Digital Public Banking: Reimagining Financial Access, Sustainability, and Innovation in the Philippines

Expanding Access — Growing phygital branches and digital onboarding to reach farmers, fishers, OFWs, and underserved communities
Scaling Digital Infrastructure — Strengthening core systems to support surging transaction volumes and post-merger growth
Driving Digital Adoption — Advancing cash-lite programs and e-disbursement channels to deepen inclusive, nationwide growth

09:30 – 09:50

Auto-Decisioning for FSI: From Straight-Through Processing to Zero-Touch

The problem STP can’t solve: Straight-through processing only clears clean files at machine speed — everything else (the majority of real-world cases) falls out to manual queues, driving up cost, turnaround time, and decision fatigue as volumes grow.
Autonomous decisioning, compliant by design: LiteCone turns underwriting, claims, and intake roles into AI Coworkers that auto-decide non-STP cases against your own manuals and risk rules — every output passes five checks (auditable, cited to source rules, zero bias, grounded to your data, configurable human oversight), deployed inside your own cloud.
Proven in production, not a pilot: Live for 1+ year at a top FSI — 75-80% of cases cleared with zero underwriter touch, ~8 min turnaround (vs. days), 25% lower cost of issuance, 24×7 decisioning

09:50 – 10:10

Beyond KYC: Defeating Account Takeover in the Age of AI Fraud

Why ATO is becoming the fastest-growing fraud challenge for banks and fintechs
How trusted biometrics and adaptive authentication stop fraud without adding friction
How to build a persistent identity trust layer across the entire customer lifecycle

10:10 – 10:40

PANEL DISCUSSION

Leading the Intelligent Banks: The CXO Mandate for Transformation at Scale

Modernisation Without Disruption : How can banks modernise while maintaining operational resilience and business continuity?
Technology Decisions as Business Decisions : How should banks balance long-term flexibility, execution risk and commercial outcomes when defining their modernisation strategy?
Leading Change Beyond Technology : How do leaders build organisations that can continuously adapt, innovate and deliver change?

Moderator

10:40 – 11:00

The Next Generation of Decision Optimization: AI-Powered, Business-Led

Juggling goals that usually fight each other. How lenders can lift approval rates, tailor offers, protect margin and keep risk in check all at once, without cutting corners on compliance
Compliance built in, not bolted on. How modern decisioning puts AFASA, AML and KYC rules inside the decision itself, so they guide every call instead of slowing it down
From broad segments to one customer at a time. How lenders can move past fixed risk grades and one-size-fits-all segments to decisions made borrower by borrower, so each one is worth more over time

11:00 – 11:30

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

11:30 – 11:50

FIRESIDE CHAT

Beyond Growth: The Profitability Imperative for Digital Banks in the Philippines

The unit economics conversation: What customer acquisition cost, revenue per active user, and contribution margin look like at a PH digital bank today — the numbers the industry talks around but rarely states
From neobank to full-service bank: How digital banks are expanding from payments and deposits into lending, insurance, and investment products to build the revenue diversification that makes the P&L work
The path to profitability: What digital have learned about the cost structure, product mix, and customer segment decisions that determine whether a digital bank survives or consolidates

Moderator

11:50 – 12:10

From Access to Agency: Leveraging Personal Credit Visibility and Alternative Data to Build Financial Capability

Beyond the Credit Score: Exploring how personal credit visibility empowers individuals to understand, manage, and improve their financial standing
Unlocking New Pathways: How alternative data sources are expanding access to credit for underserved and thin-file populations
From Insight to Action: Practical strategies for turning data transparency into real financial capability and long-term economic agency

12:10 – 12:30

From Legacy to Leadership: A Low-Risk Roadmap for Core Banking Modernization

The modernization paradox: Why the urgency to compete with digital-native banks and satisfy BSP mandates like AFASA cannot be solved by a high-risk core replacement, or by unanchored AI pilots that never reach production
Governed orchestration and AI: How financial institutions can leverage Private AI and Appian Data Fabric directly over legacy architectures, embedding explainable AI models within process rails that naturally comply with BSP’s STARS governance framework
Frictionless CX and real-time compliance: Scaling agentic AI with human-in-the-loop controls to automate complex workflows like instant loan origination and real-time fraud triage can deliver digital-first banking velocity without exposing the bank to model risk or core disruption

12:30 – 12:40

Approve Faster Without Guessing: Predictable AI for Real-Time Loan Origination and the Next Best Offer

The growing tension between speed, growth, and risk in modern lending
The risks of over-automating credit decisions using black-box AI models
How banks can achieve real-time loan origination while maintaining transparency, explainability, and regulatory compliance
Moving beyond “approve or decline” to determine the next best offer immediately following a lending decision
How Predictable AI enables self-optimizing decisions with a clear audit trail and governance framework

12:40 – 12:55

The Confidence Advantage: Why Trust Will Be the Real AI Moat in Banking

AI will democratize speed -Banks of every size will gain access to increasingly powerful AI capabilities. Simply adopting AI will no longer create lasting differentiation
Confidence becomes the new constraint – The bigger question will be how quickly an institution can understand a change, assess its risks, meet its obligations and confidently put it into action
Traditional controls were designed for a slower world – Security, risk and compliance have historically created trust through reviews, approvals and periodic assurance. AI-driven organisations will require a more continuous model
Trust can become a competitive advantage – Banks that embed security, compliance and governance into how they operate can move faster because they have stronger control, not despite it

13:00 – 14:00

LUNCH BREAK

14:00 – 14:30

PANEL DISCUSSION

The Intelligence Advantage: Turning Data into Decisions that Grow the Business

The data foundation reality: What it takes to build a governed, AI-ready data architecture inside a PH bank that is simultaneously managing legacy core migration, BSP data governance circulars, and NPC compliance obligations
Intelligence in production: Quantified outcomes from AI deployments in fraud detection, credit risk, customer churn prediction, and operational performance
Cross-border data and sovereignty: How PH institutions are navigating the intersection of the Data Privacy Act, ASEAN data frameworks, and the practical realities of cloud-hosted AI that processes Filipino customer data offshore

Moderator

14:30 – 14:40

When the Right Data Picks the Wrong Customer

Balancing the need for faster access to credit & the need to eliminate fraud
The paradox: Faster credit decisions win more customers, but the same speed and alternative data that expand access can also let riskier or fraudulent borrowers slip through. Access and safety should not pull in opposite directions
The way forward: How lenders can use smarter, real-time decisioning to keep credit fast and inclusive while catching fraud before it scales

14:40 – 15:20

Panel Discussion

Cyber Resilience as a Board-Level Imperative: Securing Filipino Financial Services in an Era of Persistent Threats

From technology concern to board accountability: How to operationalise BSP’s operational resilience framework and DICT cybersecurity guidelines into board-level reporting, executive accountability structures, and meaningful risk appetite statements — not just compliance documentation
The threat landscape specific to PH FSI: SMS OTP interception targeting interbank network-connected accounts, AI-generated voice phishing against mobile wallet users, and ransomware targeting rural bank core systems — what is happening in the Philippines right now
The 72-hour clock: What BSP expects from institutions in the mandatory incident reporting window — and how the banks that have navigated material cyber events have managed the simultaneous demands of containment, customer communication, regulator notification, and board briefing

Moderator

15:20 – 17:00

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

08:00 – 09:00

REGISTRATION & NETWORKING COFFEE

09:00 – 09:15

The Compliance Crucible: What RA 12010, AFASA, and BSP's Hardening AML Posture Actually Demand of Philippine Financial Institutions Now

Beyond box-ticking: Translating AFASA’S risk-based requirements into operational compliance architectures that withstand AMLC scrutiny
The mule economy: How organised fraud networks are exploiting e-wallet proliferation — and the graph analytics closing the net
Intelligence-led AML: Converging KYC refresh, behavioural surveillance, and transaction monitoring into a single, self-learning financial crime defence

09:15 – 09:30

Open Finance: A Growth Engine Unlocking New Revenue, Partnerships, and Customer Value

09:30 – 09:50

From Aspiration to Execution : Asia-Pacific Banker Survey Report Findings

Cognitive banking and AI-driven financial intelligence
Personalizing financial experiences at scale to proactively deliver timely, relevant customer experiences that improves financial wellness
Platform that turns transaction data into growth, retention, and customer loyalty

09:50 – 10:10

Will People Matter: The Next Chapter of Human-Centered AI

Beyond automation — how agentic AI, digital twins, and governance work together with humans to enhance how people do their jobs, rather than replace them
Governed intelligence at scale — how SAS Viya brings analytics, generative AI, and computer vision together into a single framework that organizations can trust and control
Digital twins in action — how manufacturing, healthcare, and energy companies are using digital twins today to make sharper decisions and uncover growth opportunities they couldn’t see before

10:10 – 10:40

PANEL DISCUSSION

Identity at the Frontier: Deepfakes, Synthetic Personas, and the Battle to Secure Trust in an Increasingly Compromised Digital Landscape

The deepfake threat is no longer theoretical: What Philippine banks are actually seeing at onboarding and how liveness detection is evolving in response
Synthetic identity fraud at scale: How criminals are assembling legitimate data fragments into untraceable personas — and what stops them
Biometrics beyond authentication: Building continuous, passive identity assurance across the full customer lifecycle without creating friction

Moderator

10:40 – 11:00

Reimagining the Client Lifecycle as a Competitive Advantage

Industry Trends & Market Update – The evolution of client onboarding, KYC and Client Lifecycle Management: technology, automation and digital infrastructure are reshaping the way banks acquire, verify and activate clients – transforming compliance from a regulatory obligation into a strategic business enabler
The Client Experience Imperative – Rising customer expectations, financial crime risks and BSP/AMLA obligations are converging to demand a new approach. Learn how leading FIs are using modern CLM strategies to reduce operational complexity, eliminate onboarding friction and deliver faster, more compliant client journeys that drive loyalty and long-term growth

11:00 – 11:30

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

11:30 – 11:50

FIRESIDE CHAT

Closing the Protection Gap: Why the Philippines Remains One of Asia's Most Under-Insured Economies — and the Technology, Distribution, and Regulatory Shifts Changing That

The parametric promise: How weather-indexed, event-triggered insurance products are finally reaching farmers, fisherfolk, and the informal economy at meaningful scale
Embedded and invisible: Distributing micro-insurance through e-commerce, telco, and ride-hailing channels where the underinsured already spend their digital lives
The regulator as enabler: What the Insurance Commission’s evolving sandbox has unlocked — and the structural barriers that continue to slow market development

Moderator

11:50 – 12:00

Scaling Trust — AI-Powered Threats in BFSIs: Moving Beyond Human Vigilance to Proactive Security

The rise of AI is amplifying phishing and malware attacks, making breaches faster, more sophisticated, and harder to detect.
Most data breaches stem from systemic vulnerabilities—not just user error—highlighting the need to address root causes.
Future-ready security must focus on proactive, built-in protection mechanisms that do not rely solely on end-user awareness or behaviour.

12:00 – 12:10

Building Trust at Scale: Lessons from GSIS's Digital Transformation Journey

Delivering citizen-first digital services at scale: Learn how GSIS enabled 100% online pension renewals through its mobile app, reducing processing times to under 30 seconds while making services more accessible for pensioners
Balancing automation with security: Discover how AI-powered face authentication, liveness checks, and quality checks helped GSIS achieve 98% automation while ensuring secure, fraud-resistant identity verification
Driving operational excellence through digital transformation: Understand how modern identity infrastructure reduced manual verification efforts, supported 50,000+ monthly users, and improved both operational efficiency and citizen satisfaction

12:10 – 12:20

Beyond the Wallet: Why the Merchant Counter Is the Philippines’ Real-Inclusion Frontier

Account ownership isn’t acceptance. The Philippines has closed the account gap far faster than the merchant acceptance gap — millions of newly banked Filipinos still transact in cash because the merchants around them can’t or won’t take digital. The binding constraint has moved from the consumer to the counter.
Merchant economics, not merchant education, decide adoption. Why sari-sari stores and mid-market retail reject digital acceptance comes down to unit economics — MDR versus cash float, settlement timing, terminal cost, and an interchange structure still weighted toward ATM cash-out rather than POS. Fix the economics and behavior follows.
Commerce infrastructure as the inclusion multiplier.Where acceptance, prepaid/gift issuing, and value-added services converge at a single merchant endpoint — the merchant stops being a cost centre and becomes a distribution channel for credit, loyalty, and financial services.

12:20 – 12:30

Seeing Finance Differently: From Today’s Needs to Tomorrow’s Possibilities

12:30 – 12:50

FIRESIDE CHAT

Retail Banking Reinvented: Competing for the Customer in a Crowded Digital Marketplace

Branch to beyond: Reimagining physical and digital experiences as neobanks and super apps reset customer expectations
The New competitors: How big tech and neobanks are redrawing the boundaries of financial services delivery
Personalisation without compromise: Balancing customer insight, privacy, and compliance across diverse segments

Moderator

12:50 – 13:00

The End of Digital Banking: The Next Banking Benchmark won’t be Built on a Screen. It will be Built to Adapt.

A better app does not make a better bank. Behind most digital journeys, the same silos, documents and manual handovers are still running the show
Copying today’s best digital bank guarantees you’ll be late. By the time the transformation is finished, the benchmark has moved again
Don’t start with an AI strategy. Pick one banking decision and make it reusable, auditable and executable within 90 days, then scale what actually works

13:00 – 14:00

LUNCH BREAK

14:00 – 14:30

Panel Discussion

ESG and Sustainable Finance in Philippine Banking: Navigating the Path from Commitment to Action

What the BSP’s sustainable finance framework actually requires — The gap between what banks are disclosing and what is verifiably measurable
Transition finance in practice: Structuring credible, ASEAN taxonomy-aligned green bonds and sustainability-linked instruments for the Philippine market

Moderator

14:30 – 14:50

Digital Banking Stability and the Evolving Role of Deposit Insurance in a Digital-First Philippine Financial System

What deposit insurance means in a digital-first financial system
What systemic stability requires as the Philippine banking landscape transforms

14:50 -15:20

Panel Discussion

The CX Imperative: Designing Financial Journeys That Build Loyalty, Trust, and Lifetime Value

Beyond Convenience: Creating Differentiated Digital Experiences That Drive Retention and Long-Term Customer Loyalty
Behaviour Over Assumption: Using Journey Analytics and Customer Insight to Redesign Experiences Around How Customers Actually Behave
CX as a Growth Driver: Linking Experience Investment Directly to Loyalty, Cross-Sell, and Revenue Outcomes

Agenda

08:00 – 08:50

REGISTRATION & NETWORKING COFFEE

08:50 – 09:00

INAUGURATION & OPENING CEREMONY

09:00 – 09:15

Beyond the Roadmap: What the Philippines' Digital Finance Progress Actually means in Pesos and People

Dindo Santos

Bangko Sentral ng Pilipinas

09:15 – 09:30

Driving Inclusive National Growth Through Digital Public Banking: Reimagining Financial Access, Sustainability, and Innovation in the Philippines

Lilian Cruz

Land Bank of the Philippines

09:30 – 09:50

Auto-Decisioning for FSI: From Straight-Through Processing to Zero-Touch

Manish Bajaj

Lumiq

Mitch Bautista

AWS Philippines

09:50 – 10:10

Beyond KYC: Defeating Account Takeover in the Age of AI Fraud

Harvinder Singh

Entrust

Hardik Bhutani

Entrust

10:10 – 10:40

Leading the Intelligent Banks: The CXO Mandate for Transformation at Scale

William Bryson

Mambu

Lito Villanueva

Rizal Commercial Banking Corporation (RCBC)

Barani Sundaram

EastWest Banking Corporation

Mila Bedrenets

Tonik Bank

10:40 – 11:00

The Next Generation of Decision Optimization: AI-Powered, Business-Led

Mihaela Todica

EmbedIT

Jonathan Engalla

EmbedIT

11:00 – 11:30

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

11:30 – 11:50

Beyond Growth: The Profitability Imperative for Digital Banks in the Philippines

Salve Ibañez

ABS-CBN News Channel | Empower and Transform

Angelo Madrid

Maya Bank

Manish Bhai

UNO Digital Bank

11:50 – 12:10

From Access to Agency: Leveraging Personal Credit Visibility and Alternative Data to Build Financial Capability

Alex Zhu

Island Credit Solutions

Mery Singh

Island Credit Solutions

12:10 – 12:30

From Legacy to Leadership: A Low-Risk Roadmap for Core Banking Modernization

Jamie Ingram

Appian

12:30 – 12:40

Approve Faster Without Guessing: Predictable AI for Real-Time Loan Origination and the Next Best Offer

Lakshmi Sasidharan

PEGA

12:40 – 12:55

The Confidence Advantage: Why Trust Will Be the Real AI Moat in Banking

Pankaj Dubey

Sparkle Security

13:00 – 14:00

LUNCH BREAK

14:00 – 14:30

The Intelligence Advantage: Turning Data into Decisions that Grow the Business

Mark Philip 'Mack' Comandante

ExoAsia Innovation Hub / Global AI Council Philippines / Cyber Security Council of The Philippines

Amaneci Grace De Silva

Security Bank Corporation

Terrence Teh

BPI

14:30 – 14:40

Alison Albeck Lindland