Day 3 at PulseCore Events on Digital Banking Excellence was a dynamic journey filled with insights from industry leaders. Theme was Fintech!

???? We kicked off the day with Tomas Reytt from mBank in Czechia, who discussed measuring and leveraging channel strategy in a digitally mature market. He emphasized the shift to mobile-first, highlighting its role in various aspects such as internet browsing, entertainment consumption, food ordering, and banking. Thomas stressed the importance of staying competitive, noting the high frequency of mobile channel usage and increased client satisfaction, accelerated further by the COVID pandemic.

???? Next, Halil Ozcan from Burgan Bank in Turkey shared strategies on building a bank from scratch in a competitive landscape, outlining ten emerging trends including AI, open banking, cybersecurity, and hyper-personalization. He emphasized customer-centric value propositions and expansion plans, including launching credit cards, enriching investment products, and expanding service offerings.

???? Felix Hospe from Commerzbank in Germany delved into their open banking strategy, focusing on platform banking, embedded finance, banking as a service, and digital ecosystems. He presented insightful use cases showcasing the benefits of their approach, particularly in instant payments and wealth management.

???? Igor Korotach from Quantum in the USA explored the intersection of traditional finance and decentralized finance (DeFi), highlighting both its strengths and challenges. He emphasized the innovation and potential of DeFi while acknowledging complexities such as technological interoperability and security concerns.

???? Gabriel Ayala from Bit2me in Spain provided a humorous yet informative overview of Bitcoin and its implications for the banking sector. He discussed the growing adoption of crypto assets among the Spanish population and identified new business opportunities for banks in various sectors, always integrating regulatory compliance. Picture from his presentation.

???? Levent Kazim Oguz from DenizBank in Turkey showcased their innovative mobile platform, which seamlessly integrates mobile point-of-sale systems with instant loans and fast payment solutions.

???? With boundless energy, Laurent Lamblin from Everyone Invested in Belgium shed light on the emotional aspects of investment, emphasizing its significance in banking and the need for personalized, frictionless experiences.

???? Asli Gulem Gunduz from UPT Turkey introduced their unique business model, catering to niche segments with digital solutions and embedded finance.

???? Lastly, NIHAT NARIN from Belbim in Turkey shared the transformative journey of Istanbul Kart into a multifunctional fintech solution, highlighting their application for an e-money license regulated by Turkey.

???? Looking forward, Day 4, the final day, will delve into Artificial Intelligence in Financial Services. Can't wait for the exciting discussions ahead!