| Name | Ciprian Dragomir |
| Designation | Digital Lending Product Owner TBI Bank, Romania |
| Social Media |
| 16:10 |
Session: AI-driven onboarding, digital lending transformation, and intelligent decisioningAI-driven onboarding at scale: cutting time-to-yes while meeting KYC, AML, and regulatory expectations. Digital lending transformation: automating credit decisions, reducing manual touchpoints, and improving conversion rates. Intelligent decisioning in 2026: using AI to balance speed, risk, and customer experience across the lending lifecycle |