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
Atty. Arifa Ala
Senior Assistant Governor
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
- 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
Lilian Cruz
Senior Vice President & CIO
Land Bank of the Philippines
09:30 – 09:50
Banking on Intelligence: Building the Cloud-Native, AI-First Institution that can Compete in 2026
- Core modernisation reality check: Why cloud-native architecture is still the prerequisite — and what the cost, timeline, and risk profile of migration looks like for a PH bank operating on legacy core systems today
- From pilot to production: The organisational and governance decisions that separate banks scaling AI enterprise-wide from those stuck in endless pilots
- Responsible AI at scale: The BSP AI governance expectations, model risk management frameworks, and explainability requirements that every AI deployment in PH financial services must satisfy
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
Harvinder Singh
RVP Sales, Identity Security
Entrust
10:10 – 10:40
PANEL DISCUSSION
Leading the Intelligent Banks: The CXO Mandate for Transformation at Scale
- Alignment without paralysis: How CXOs are resolving the tension between long-term transformation vision and the quarterly performance pressure that boards and shareholders impose — with specific examples from PH institutions
- The Talent reality: Why the Philippines’ BPO sector is the most underutilised talent pipeline in FSI transformation, and which banks are already converting BPO-trained workers into AI operations, data, and product roles
- Legacy and regulation as strategic constraints: How to sequence modernisation when you are simultaneously managing BSP MORB compliance, AMLA obligations, and a core system that was never designed for API-first architecture
Lito Villanueva
Chief Innovation & Inclusion Officer
Rizal Commercial Banking Corporation (RCBC)
Barani Sundaram
Chief Technology Officer & Head of Technology Transformation
East West Banking Corporation
10:40 – 11:00
Hyper-Personalization in Financial Services: How AI is redefining Customer Experience and Loyalty
- Personalise with permission: Trust is the killer feature
- From journeys to real-time moments: Orchestrate everywhere
- Delight by design: Effortless experiences & proactive recovery
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
11:50 – 12:10
Beyond the Credit Score: AI and Alternative Data Reshaping Credit Decisions in the Philippines
- Alternative data and AI unlock credit access for millions of unbanked Filipinos – without increasing risk
- Real-time fraud prevention through eKYC and behavioural profiling – deployable in days, not months
- Next-generation credit intelligence is now accessible to rural banks, fintechs, and MSMEs – not just tier-one institutions
12:10 – 12:30
Beyond Automation: Rewiring Financial Institutions for AI-Native Operations
- The operations gap: Why most PH banks have automated tasks but not processes — and what it takes to move from RPA-patched legacy workflows to genuinely intelligent, end-to-end operations
- Agentic AI in financial operations: Where autonomous AI agents are delivering measurable cost and cycle-time reductions in loan processing, AML alert triage, and customer servicing — with production numbers, not pilot projections
- The governance imperative: How to embed human oversight, audit trails, and BSP-compliant model risk management into AI-driven operations without eliminating the efficiency gains
Jamie Ingram
Financial Services Industry & Value Director APJ
Appian
12:30 – 12:40
Accelerate Lending Transformation - Pega’s Agentic Approach for Philippine Banks
- Empower autonomous, compliant credit journeys: Discover how agentic AI enables banks to build intelligent lending systems that operate autonomously, comply with regulations, and deliver personalised customer experiences
- Drive real-time credit risk decisioning: Learn how Pega’s market-leading AI-powered decision engine instantly assesses risk and tailors credit offers to boost conversion and minimise revenue leakage
- Adapt rapidly to local market dynamics: Built for change, Pega’s low-code platform- enhanced with agentic AI—helps banks quickly tailor lending operations to Philippine-specific regulations and evolving consumer needs
12:40 – 12:55
The Relevance Imperative: Delivering Hyper-Personalised Banking at Scale Without Losing Trust
- Anticipation over reaction: Using real-time transaction signals, life event triggers, and behavioural propensity models to surface the right product at the right moment — before the customer asks
- The omnichannel orchestration challenge: How to deliver a consistent, context-aware experience across mobile app, branch, agent banking, and third-party embedded finance touchpoints in the Philippine distribution reality
- Privacy as a competitive advantage: Why institutions that embed NPC-compliant consent management and data transparency into personalisation will outperform those that treat it as a compliance checkbox
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
Ed Martin Sianghio
Vice President, Head of Data Transformation
Bank of the Philippine Islands (BPI)
Amaneci Grace De Silva
SVP, Shared Services Technology CTO
Security Bank Corporation
14:30 – 14:50
Making Inclusion Pay: The Unit Economics of Reaching the Last Mile in the Philippines
- The gap in numbers: BSP Financial Inclusion Survey data — 44% of adults unbanked, 67% of MSMEs without formal credit, and the ₱2.7T financing gap that represents the largest untapped commercial opportunity in PH financial services
- Channel unit economics: What agent banking customer acquisition actually costs (₱150–400 per account in current deployments), digital wallet activation-to-active-user conversion rates, and the embedded finance channels showing the best 12-month revenue-per-user trajectory
- Sustainable models that are working now: How rural banks using alternative data scoring, fintechs embedding credit in merchant POS systems, and telco-linked microinsurance products are each building commercially viable inclusion at different segments of the pyramid
14:50 – 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
Rojun Hosillos
Director IV
Cybercrime Investigation and Coordinating Centre
Roland Oscuro
CISO
Philippine National Bank
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
Winning the Unbanked: The Business Case, the Blueprint, and the Brutal Realities of Extending Financial Access to 30 million Filipinos
- Designing for the last kilometre: Mobile-native architectures that serve informal workers, rural households, and the platform economy
- Beyond the app: Why trust — not technology — remains the single biggest barrier to financial inclusion and how digital banks are working to overcome it
- The profitability paradox: Building sustainable unit economics in mass-market digital banking without compromising on access or experience
09:30 – 09:50
Cognitive Banking: The Future of Customer Engagement
- Reimagining customer interaction through AI-powered conversational platforms that offer intuitive, real-time support while evolving into trusted financial companions
- Leveraging cognitive banking to close the access gap—designing inclusive, user-centric experiences that address varying levels of digital literacy and financial capability
- Utilizing advanced analytics and behavioural modelling to proactively guide customers toward financial wellness, informed decision-making, and long-term value creation
09:50 – 10:10
Real-Time, Reliable, Responsible: The New Calculus of AI-Driven Risk and Fraud Decisioning in Philippine Financial Services
- The speed imperative: How real-time machine learning is compressing fraud detection from hours to milliseconds without sacrificing accuracy
- When AI gets it wrong: Governing model drift, explainability, and regulatory accountability in high-stakes financial decisioning environments
- From reactive to anticipatory: Using alternative data, network signals, and synthetic testing to stay ahead of emerging fraud typologies
Deepak Ramanathan
VP, APAC Head of Customer Advisory
SAS
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
Catherine de Joya Urtola
Senior Vice President
Chief Compliance Officer
Bank of China (Hong Kong) Limited - Manila Branch
Guada Vergel de Dios
Director, Chief Compliance Officer
Mizuho Bank
10:40 – 11:00
The Composable Bank: How Low-Code Architectures Are Letting Non-Engineers Ship Compliant Financial Products in Days, Not Quarters
- Governance without gatekeeping: Designing low-code environments where business and compliance teams innovate freely within auditable, regulator-ready rails
- The hidden bottleneck: Why most low-code initiatives stall at integration — and the api and middleware strategies that unlock real velocity
- From tool to culture: The organisational rewiring required to make democratised development stick across a traditional financial institution
11:00 – 11:30
NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE
11:30 – 11:50
FIRESIDE CHAT
Honest Lessons from the AI Frontier: What Philippine Bank Leaders Actually Learned When They Tried to Scale — and What They Would Do Differently
- The pilot trap: Why most bank ai initiatives stall between proof of concept and production — and the operating model changes that break the deadlock
- Governed at scale: How leading institutions built ai ethics, model risk, and regulatory accountability frameworks that actually hold up under scrutiny
- The human factor: Managing workforce transition, skills displacement, and cultural resistance as ai reshapes roles across the financial institution
11:50 – 12:00
Zero Trust, Zero Excuses: Why Perimeter Security Is Dead and What Philippine Financial Institutions Must Build in Its Place
- The breach you didn’t see coming: How insider threats, third-party integrations, and shadow it are circumventing traditional bank security architectures
- Identity as the new perimeter: Implementing phishing-resistant, FIDO2-compliant authentication across every employee and customer touchpoint
- BSP Circular 1140 and beyond: Translating evolving regulatory cyber resilience requirements into a practical, prioritised security roadmap
12:00 – 12:10
From Weeks to Minutes: How AI-Powered eKYC Is Collapsing Onboarding Timelines Without Opening the Door to Fraud
- The conversion cost of friction: Quantifying what slow, clunky onboarding is actually costing Philippine banks in lost accounts and abandoned applications
- Liveness, deduplication, and watchlist screening at scale: Building an EKYC stack that satisfies BSP and AMLC without sacrificing user experience
- Adaptive onboarding: Designing risk-based identity verification journeys that calibrate scrutiny to customer profile without penalising legitimate users
12:10 – 12:20
Open Finance, Real Consequences: What Has Actually Been Built Under the BSP Framework, Who Has Benefited, and What Remains Structurally Broken
- From policy to pipeline: Auditing the real-world API ecosystem that has emerged and where the commercial and technical gaps still lie
- The monetisation question: Which open finance business models are generating sustainable revenue in the Philippines — and which have failed to survive contact with reality
- Trust as infrastructure: Why consumer consent, data portability, and liability clarity remain the unsolved problems that will determine open finance’s ceiling
12:20 – 12:40
The Embedded Finance Opportunity: How Non-Financial Platforms Are Becoming the Philippines' Next Generation of Financial Service Providers
- Where finance meets the platform economy: How super apps, e-commerce marketplaces, and telcos are integrating lending, insurance, and payments at contextual moments of need
- The bank behind the brand: Structuring baas partnerships, regulatory accountability, and revenue sharing in embedded finance arrangements that actually scale
- Risk in the invisible layer: Managing credit exposure, fraud, and regulatory liability when financial products are delivered through non-financial interfaces
12:40 – 13:40
LUNCH BREAK
13:40 – 14:00
FIRESIDE CHAT
Green or Greenwash? Holding Philippine Banks Accountable for Their ESG Commitments in a Year of Regulatory Reckoning
- 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
- The data problem at the heart of ESG: Why banks cannot yet measure what they have committed to reduce — and the technology closing the reporting gap
Marla Garin-Alvarez
First Vice President & Head of the Sustainability Office
BDO Unibank
14:00 – 14:30
Panel Discussion
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
Vivek Yadav
CTO Retail Banking
Security Bank Corporation
14:30 – 14:50
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
Jonathan Pineda
Acting CIO
Government Service Insurance System
Paul Leonardo
Chief Agile and Transformation Officer
Sun Life Philippines
14:50 – 15:20
Panel Discussion
Serving the Many: How Philippine Financial Institutions Are Designing Products, Experiences, and Infrastructure for a Genuinely Diverse Nation
- The segmentation fallacy: Why treating the unbanked as a monolith has repeatedly failed — and the demographic, cultural, and geographic nuance that actually drives sustainable inclusion
- Gig, informal, and platform workers: Building credit, savings, and insurance products for an economy where a significant portion of the workforce has no payslip and no credit history
- Language, literacy, and trust: Designing financial interfaces that work meaningfully for Bisaya, Ilocano, and Tagalog speakers across varying degrees of digital confidence
Jennifer Ng
Chief Marketing and Customer Experience Officer
Philippine National Bank
Lionel Gacad
Chief Experience Officer
GoTyme Bank
15:20 – 16:00
NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE
16:00 – 16:30
Red Carpet Moment with Paparazzi Lights
16:30 – 16:40
Opening Ceremony by EMCEE
16:40 – 16:50
Grand Premier Performance
16:50 – 17:00
Keynote Address from VIP Chief Guest
17:00 – 17:20
Introductory Address by the Jury Committee
17:20 – 18:00
17:20 – 18:00
Awards Presentation
18:00 – 18:10
Closing Remarks
18:10 – 18:20
Closing Performance
18:20 – 19:30
Cocktail & Gala Dinner
*The above is a running agenda and is subject to change