Women in Retail Banking: Bridging the Generations 

As the workforce evolves, so do the challenges and opportunities for women navigating their professional journeys. This session will explore the diverse perspectives, experiences, and strategies of women in retail banking from various generations, from Gen Z to Gen X. Hear from female leaders who will share their personal stories, triumphs, and tribulations, offering valuable insights into how generational differences shape their approaches to leadership, career advancement, work-life balance, and overcoming gender biases. 

Participation is open to all women attending from financial institutions.

Brett StClair, ex-Googler and former Barclays Chief Digital Officer, examines AI's revolutionary impact on banking. Drawing from experience in tech and finance, he illustrates how the GenAI Industrial Revolution is transforming business at unprecedented speed. Brett traces the shift from traditional to AI factories, highlighting how banks must adapt to exponentially expanding AI capabilitiesv that surpass Moore's Law. He provides concrete examples of how roles are transforming across industries, with particular relevance to financial services. He envisions a future where customer AI interacts directly with banking AI, enabling personalized service, enhanced self-service, expanded offerings, and deeper human relationships built on trust.

Eddie will discuss the Truist approach to aligning enterprise strategy and client strategy, prioritizing breakthrough opportunities, generating business support, and engaging cross-functional resources to maximize client and business outcomes.

In the US, maintaining access to cash is a key concern, especially as digital payments become more prevalent. With the number of bank branches falling each year, ATMs are playing an ever more important role in ensuring customers can access cash. However, with escalating hardware, software and CIT expenses, the cost of an ATM cash transaction is rising every year. How can the industry ensure that cash deserts are avoided and access to cash is maintained across all communities?
David Dove, President, Brink’s Global ATM Managed Services Business, Brink's

The Modern Banking Experience: Translating High-Touch Banking in Today’s Digital Age

As FIs navigate digital transformation, they need to embrace their local and relationship-building “roots.” Learn how banks can bring the warmth of in-person experiences to digital channels through innovative solutions and strategies. Discover which aspects of physical banking interactions can be translated to digital and how to leverage customer data to deliver personalized and timely solutions. Learn how to create an intelligent hybrid service model that combines self-service efficiency with the human connection for more complex financial decisions
Grant Karsas - Travis Credit Union

Democratizing Wealth Management with an AI-Powered Omnichannel Investment Platform

Explore how a strategic fintech partnership created a seamless omnichannel investment platform unifying client, advisor, and contact center experiences. Learn how this first-to market Canadian solution blends AI-powered recommendations with personalized advice in real-time, aligning investment solutions to individual goals. Discover the upcoming enhancements that will further transform wealth management accessibility, making the investment journey more flexible, accessible, and stress-free for all customers.

Explore the transformative potential of AI in banking, focusing on its dual role in enhancing customer relationships and combating sophisticated fraud. AI technologies are revolutionizing how FIs understand and serve customers—shifting from transactional interactions to meaningful relationships through predictive analytics and conversational AI that enable personalized, 24/7 service. Simultaneously, as digital scams grow increasingly sophisticated,  AI offers powerful solutions for real-time fraud detection through transaction pattern analysis and AI-driven insights. Experts discuss how AI enhances customer engagement, creating more human banking experiences, and how emerging scam tactics can be tackled by AI-driven preventative measures.
 

Alex Jimenez, Lead Principal Strategy Consultant, Backbase
 

Discover how top-performing banks generate twice the noninterest income of their peers, fueling stronger ROE, higher market valuations, and greater resilience in uncertain times. Drawing on exclusive new insights from Datos Insights, this keynote breaks down how leading institutions rethink service charges, defend interchange, and build smarter, more sustainable fee strategies by prioritizing customer engagement, satisfaction, and retention. Regardless of starting position, you’ll leave this keynote with practical tactics to improve execution, build a higher-quality revenue mix, define a compelling customer journey, and sharpen your competitive edge.

Harnessing Technology to Deliver a Modern Branch Experience

PenAir Credit Union’s operating principle is to improve service for its members through enhanced access and convenience. In this session we explore how PenAir Credit Union has reimagined its branch strategy by using technology at the foundation of executing a ‘tellerless’ branch, while still maintaining a focus on customer service and efficiency.

Empowering the Frontline: North Shore Bank’s Success with Microsoft Integrated Task Management Software

In the ever-evolving landscape of workforce management, FIs struggle to optimize their operations efficiently. North Shore Bank addressed this challenge by implementing Nextenture’s task management software - a cloud-based task management solution that integrates with Microsoft Teams. The platform automates routine tasks and provides AI-driven insights for workflow optimization. As a result, the bank's frontline teams now save 3-4 hours per week per employee, allowing them to focus on delivering exceptional customer service and driving growth. This implementation has been key to achieving operational excellence across the organization.

The Digital Age is creating independent, tech-savvy consumers with “Amazon” expectations. It is also making account opening easy for most and is opening the doors to new business. Equipped with this independence, consumers are free to choose from myriad providers to meet their needs … and they aren’t turning to their primary relationship. According to a Datos survey on financial behaviors, at least 1/3, and sometimes more than half, of the time consumers turn to fintechs or other FIs outside their primary relationship for tools and services designed to meet their financial needs.  In this session, learn how financial institutions are combatting this trend and the steps they are taking to develop long-term customer relationships.

Jerone Abueva, Director, B2B Solutions, Financial Services Industry, Samsung Electronics America

Banks and credit unions are revolutionizing their branch locations to create exceptional customer experiences. Branches remain key sales channels for account openings and advice. More than 40% of consumers visit a branch to open checking accounts or loans.  It is becoming increasingly important for FIs to create seamless transactions across digital channels and physical spaces, while converting traditional branches into modern advisory centers that combine digital innovation with human expertise. RBR Data Services’ Global Branch Transformation study shows banks are increasingly harnessing branch technologies to automate routine transactions thereby freeing up branch staff for value-added activities. The total number of teller cash recyclers (TCRs), for example in the USA has increased by 27% since 2019, and it is forecast to keep growing. In this session, we'll examine proven strategies for modernizing branch operations, enhancing employee capabilities, and implementing flexible service models that merge the convenience of technology with valuable face-to-face engagement. 

Join industry pioneers as they examine FedNow implementation success stories alongside valuable lessons from global markets. Panelists will share how international best practices can enhance US adoption strategies for operational efficiencies, scaling capabilities, and provider partnerships. Learn how to apply proven global innovations to overcome uniquely American challenges in the instant payments landscape.

Embracing AI in Banking
Join us as we discuss how AI can provide significant competitive advantages to FIs. AI enhances—rather than replaces—human capabilities, offering benefits in data analytics, targeted advertising, social media management, customer communication, predictive analytics, and fraud detection. Even small implementations can yield substantial results.
Chaired by Brett StClair - Rebel Technologist, former Google and Barclays executive

Banking Strategies for Uncertain Times
Today's unpredictable political and economic landscape presents significant challenges. Banks can navigate these uncertainties and grow by forming cross-functional data committees, implementing financial wellness programs, providing education on emerging financial trends, proactively identifying distressed customers, and optimizing digital banking channels to balance sales and service. Financial institutions hold a unique advantage—their trusted relationship with customers provides the stable foundation consumers need during economic volatility
Chaired by Brody Mullins - Pulitzer Prize-Winning Reporter and Author

Balancing Security, Technology, and Customer Experience
In this discussion will examine the evolving landscape of financial fraud, exploring how technologies can enhance real-time detection capabilities while maintaining customer satisfaction. Discussions will address the human impact of fraud, strategies for cross-institutional collaboration, implementing effective authentication processes, balancing security with user experience, and leveraging technology to combat increasingly sophisticated scams while building customer trust.
Chaired by Ian Mitchell - The Knoble 

Bridging Digital Innovation and Human Experience
We will explore key challenges in extending banking services beyond traditional branch walls, identifying optimal technologies that balance automation with meaningful customer engagement, evolving branch staff responsibilities amid increasing transaction automation, defining success metrics for branch transformation initiatives, and creating seamless customer experiences across digital and physical banking environments.

Customer-Centric Strategy: Building Lifelong Financial Partnerships
This roundtable will address the transformation from product-focused to service-focused banking models, exploring holistic approaches to customer value creation. Participants will discuss strategies for understanding complete financial journeys, leveraging AI for personalization, developing human-centered design principles, and creating intelligent hybrid service models that combine digital efficiency with meaningful human connections to drive loyalty and increase wallet share.

Connecting the Dots Across Physical and Digital Channels
Diebold Nixforf and FI customer

Upskilling Branch Staff: Building Advisory Excellence from Within
Examine how retail banks can transform transaction-focused branches into financial advisory hubs by developing existing talent. We explore practical strategies for upskilling current employees through targeted training, mentorship, and technology integration—creating a seamless transition that preserves team cohesion while meeting modern consumers' demand for personalized financial guidance.
Robert Williams - Minnwest Bank

Card experts talk about the risks and rewards of launching a BIN Sponsorship program. Speakers will discuss topics, such as the minimum investment for launching a program, what they wish they knew, and best practices for Fintechs looking to partner with a BIN sponsor bank.

Footprint to Fingerprint: People-First Branch Transformation
Bank branches aren’t disappearing—they’re transforming. This session explores how collaborative design, engaged teammates and seamless technology come together to reimagine the branch as a modern hub for connection, not just transactions. 
Haley Keck - Truist

Presentation –  The Challenges of Being a Stablecoin Issuer
This talk addresses the impact that stablecoins, especially payment stablecoins, may have on payments systems, including those provided by banks.  Will stablecoins compete with bank-provided payment services?  And, is it a good idea for a bank to get into the payment stablecoin business?  The talk will cover topics such as use cases, business models, and headwinds facing payment stablecoins.
Dr. Franklin Noll - Federal Reserve Bank of Kansas City

Presentation – It's Not All About Blockchain – Smart Use of DLT Within Banking
Ever since we have known about crypto currencies, how they work and the underlying architecture that supports it – distributed ledger technology (DLT), we have fallen into the trap of largely thinking that DLT can be used only for cryptos, NFTs and the like. If we broaden our outlook and evaluate core capabilities of DLT, which include – but not limited to – provenance, auditability, immutability, near real-time broadcasting, there are meaningful use cases within banking and beyond where we can reap the benefits of DLT. 
 

Drawing from his book and history, Brody tells the history of uncertainty: How ebbs and flows in political power in Washington have led us to this unique moment in time. He also talks about how the growing populism in the Republican Party and progressivism in the Democratic Party have created instabilities in government – and created new opportunities for businesses large and small to serve their communities, customers and employees.

In today’s rapidly evolving fraud landscape, it’s easy to become numb to the numbers and trends. But behind every fraud case is a human story—often one of exploitation, trauma, and loss. Drawing on 25 years of frontline experience in global fraud prevention and his leadership at The Knoble and Mission Omega, Ian Mitchell will share a compelling vision for how financial institutions can unite to defend the vulnerable and restore trust in the system.

This keynote builds on Ian’s Banking With Heart series, a movement that inspires financial professionals to lead with purpose, courage, and compassion. Whether you’re new to Banking With Heart or have followed Ian’s journey, this talk will challenge you to think differently—about data, collaboration, and what it truly means to fight “Human Crime.” Blending expert insight with heartfelt storytelling, Ian will also perform one or two original songs.

As we navigate an uncertain 2025 financial landscape, this panel reveals how automation is revolutionizing traditional retail banking operations. Our experts will share:

• The shift from manual to automated compliance workflows, enabling retail bankers to focus on growth
• Real-world insights from 15,000 automated check fraud inquiries, including emerging threats and prevention strategies
• How automation of AML and compliance processes is transforming customer engagement while strengthening security

This presentation explores human-centered design for AI experiences, balancing the transformative power of new and rapidly changing technology with ethics to create systems that build trust, respect human agency and enhance customer experience. 

A Decade Later, We Are Recycling Cash
Capital One is one of the of the first banks in the USA to implement cash recycling for its ATM channel. Chad will detail Capital One's comprehensive journey, from preparing the initial business case through overcoming challenges and obstacles during implementation and rollout. He will also share how the bank measures success, the tangible benefits experienced by customers and associates, and how this innovation has boosted the overall ATM channel performance while creating cost efficiencies.

Chad Bruhn - Capital One

Opportunities and Challenges in the North American ATM Market
This presentation examines how North American ATMs face challenges from digitalization, rising costs, security threats, cashless trends, and DeFi competition. Simultaneously, opportunities exist through advanced technology integration, service customization, enhanced security, fintech partnerships, financial inclusion initiatives, and sustainable practices. Our analysis provides actionable insights for stakeholders navigating this evolving market landscape.

Robert Swallow, Senior Associate, Datos Insights

Industry leaders explore how US financial institutions can navigate the emergence of open banking, weighing competitive threats, innovation opportunities, and risks of inaction. The discussion focuses on strategic approaches for both mandated and non-mandated institutions in this transformative financial landscape.

Managing ATM risk with Threat and Vulnerability Management
ATM attacks are ever evolving and keeping pace with mitigating vulnerabilities is difficult. Discover how applying IT standard Threat and Vulnerability Management to ATM operations can help manage risk in a more controlled way. Learn how having a foundation of consistent software delivery is a critical part of managing ATM risks.
Bill Friend - Huntington Bank

The Human Edge in Branch Banking: Defining the Relationship-Centered in a Digital Age
As digital banking reshapes customer preferences, branches have a unique opportunity to redefine their role as essential touchpoints in fostering trust and loyalty. Seun will speak to the unique value that human-centered service provides in a technology-driven world.  Gain actionable strategies to transform your branches into vital components of an omnichannel banking experience. Drawing on cutting-edge examples and future trends, this session will demonstrate how branches can go beyond transactions to deliver personalized, high-impact engagements.

Credit cards continue to be a growth area for U.S FIs. According to RBR Data Services’ Global Cards and Payments study, the value of credit card payments grew by 7% in 2023. Learn how rewarding self-issuance can be for banks and credit unions that use an agent bank or have no credit card program today. Speakers will discuss the best practices, risks and rewards of bringing credit cards in-house, along with key features and benefits card issuers should consider to attract their target customers.