| Name | Ionut Horatau |
| Designation | Head of Payments Oversight Division |
| Social Media |
| 11:40 |
Session: The impact of future legal framework on payments (PSD3/PSR/DORA), in terms of fraud combating, innovation and the balance between conformity and legal framework as an innovation driverThe impact of future legal framework on payments (PSD3/PSR/DORA), in terms of fraud combating, innovation and the balance between conformity and legal framework as an innovation driver |
| 11:00 |
Session: Digital Identity and Trust in the Age of AI● Positioning digital identity as the cornerstone of bank security, with financial institutions leading the way in digital trust and fraud prevention ● Implementing advanced KYC processes powered by AI-driven document verification and biometric authentication ● Creating unified customer identity profiles across all channels to detect and prevent synthetic identity fraud ● Developing national e-ID integration strategies to enable seamless and secure cross-border banking experiences |
| 14:50 |
Session: Panel Discussion: The Future of Banking Ecosystems – Innovation, Integration, and ImpactAs banking continues to evolve beyond traditional boundaries, institutions are reimagining their roles within digital ecosystems. This panel will explore how embedded finance, real-time payments, digital assets, and sustainability are reshaping the financial landscape — and what it takes to thrive in an interconnected, technology-driven world. |