Banking Innovation Summit

For decades, the case for reusable platforms rested on a simple economic truth: building capabilities was expensive, so you built them once and shared them everywhere. AI is dismantling that logic. When the cost of building approaches zero, the entire buy-vs-build calculus changes — and so does the role of composable, plug-and-play architecture.

Drawing on platform transformation programs from two of North America's leading institutions — including a major ERP go-live delivered on time, on budget, and performing faster than the system it replaced, and the end to end transformation of merchant services for an international institution — this panel offers rare practitioners' perspectives on what reusable platforms are actually worth in 2025, where SaaS fits into the picture, and how forward-thinking organisations should be approaching their technology landscape as AI rewrites the rules.

Key questions the session will explore:
- When does a reusable platform create lasting value — and when does it just create legacy?
- How should the buy-vs-build decision change when AI dramatically lowers the cost of custom development?
- What does composable architecture look like in practice, and where does it genuinely deliver?
- What can the financial services industry learn from one of the most quietly successful ERP transformations in recent memory?

As investment in generative and predictive AI climbs, most banks stall between pilot and enterprise-wide deployment. This workshop tackles how to operationalise advanced AI in a highly regulated environment; balancing speed, governance and organisational complexity. Leave with practical ways to move beyond pilots and industrialise AI at scale, and a benchmark against peers.

AI is accelerating both digital-banking innovation and the sophistication of financial crime, forcing banks to modernise how they detect fraud, verify identity and preserve trust in real time. This workshop examines how leading institutions are shifting to intelligence-led fraud prevention and identity-centric security built for always-on banking. Leave with practical models for real-time fraud and identity defence, and a benchmark against peers.

The biggest blocker to AI, fraud modernisation and CX transformation isn’t the models or front-end apps, it’s the operations backbone underneath: fragmented data, inconsistent definitions of customer, account and risk, batch-based decisioning, brittle integrations and no real-time orchestration across business lines. This workshop disentangles the structural reasons transformation doesn’t scale. Leave with a practical path from fragmented data to real-time decisioning, and where to fix the backbone first.

Most enterprises can launch an AI pilot. Far fewer can scale one across a business as complex — and as regulated — as cards and payments. In this session, Capital One's Head of AI for Business Cards & Payments shares how AI is being operationalised across the entire card lifecycle, from marketing innovation through to core systems modernisation, and what it actually takes to move from promising proofs-of-concept to production at enterprise scale. Expect a candid look at the three questions keeping CIOs, COOs and CTOs awake: how to break out of pilot purgatory, how to build the data infrastructure that makes scaling possible, and how to ready core systems for the agentic era. Senior banking leaders will leave with a working benchmark for their own AI roadmaps — and a sharper view of what "scaled" really demands.

A series of curated 30-minute meetings scheduled throughout the three-hour networking period, with breaks between sessions. Matches are arranged based on intelligence-led recommendations and mutual business interests.