Making the Case for Self-Service Equipment Both In and Outside Branches
ATM numbers decreased across Europe as a whole in 2025, and yet the decline was far from universal, as many banks invested in upgrading and expanding their fleets. This session explores how Erste Bank has developed a strategy and business case for self-service banking.

Redefining the SME Relationship
Peter Matús (Tatra banka)
Tatra Bank has built an innovative suite of services for SME customers, designed around the needs that arise at each stage of a business's lifecycle. The bank has integrated more than 30 partners into its platform, covering financing, administration, and expense management in one place. Peter will outline the bank's approach to validating features with customers - testing for both desirability and scalability before committing to full rollout. The session will show how this customer-centric model is translating directly into growth. You will learn:

*How Tatra Bank identified the lifecycle moments that matter most to SME customers *How the bank structures its partner ecosystem to deliver a broad range of services without losing coherence *The methodology used to test whether new features are genuinely wanted - and whether they can scale *How customer-centricity is being measured and connected to business outcomes

Connecting People, Place and Technology to Build Customer Relationships
Stuart Fearn (Champion for Community Banking), Simon Dodd (Dudley Building Society)

Making the Case for Self-Service Equipment Both In and Outside Branches
Peter Michael Seitz (Erste Bank)
ATM numbers decreased across Europe as a whole in 2025, and yet the decline was far from universal, as many banks invested in upgrading and expanding their fleets. This session explores how Erste Bank has developed a strategy and business case for self-service banking.