Reclaiming the Daily Relationship—From ATM Transactions to Loyalty Moments
Angeliki Ksona (National Bank of Greece)
As banking becomes increasingly digital, ATMs remain one of the most frequent physical touchpoints between banks and customers. Drawing on National Bank of Greece’s experience, this session explores how network reach, broader self-service capabilities, fee reform and personalisation can transform routine transactions into meaningful relationship moments. It also highlights the role of trust, human support and responsible data use in creating relevant, accessible and customer-centred ATM experiences across markets today.

Innovation Driven by Customer Needs - Shaping a Future-Ready Ecosystem
Jana Švábenská (Komercija banka); Helena Müller (Diebold Nixdorf)

Beyond Cash Automation: The Better Business Banking Experience
Javed Anjum (Glory), Johnny Mattocks (Lloyds Banking Group)