TARGET: BANK 3.0 24-25



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TARGET: BANK 3.0 24-25 NOVEMBER 2015 WARSAW SILVER PARTNERS: BRONZE PARTNER: PARTNER:

POLISH E-BANKING AND M-BANKING IN NUMBERS: M M M private individual customers with aess to e-banking of on-line baking active customers active customers of mobile banking THE POTENTIAL IS HUGE! HOW MUCH OF IT DO WE USE? Banking has greatly changed in the recent years. Advanced technologies have opened a number of opportunities to banks with regard to contacting customers, sales, and communication. They have also launched dynamic changes of consumer habits. This development provides banks with new challenges: how to optimally use the potential in technologies to create added value, develop the offer or shape the relationships with the new generation of customers? how to effectively tame gigabytes of data streaming to the bank and convert them into higher profit? how to best prepare the organisation for the challenges ahead of it, including opposing the wave from the FinTech sector? Among experienced practitioners, enthusiasts and visionaries we will look for the best ways and possibilities of putting technology to use in banking - numerous product inspirations, examples of effective use of integrated data, as well as methods of building added value will allow to find the new ideas to improve turnover and profit from e-banking. WE MOVE UP A GEAR FOR THE POLISH DIGITAL BANKING AND ACCELERATE FOR DETAILS: www.digital-banking.pl

SPEAKERS OF THE FORUM dr Wojciech Bolanowski Advisor to the CEO PKO Bank Polski Bartłomiej Nocoń Managing Director of the Electronic Banking Bank Pekao Tomasz Niewiedział Multichannel Banking Bank Zachodni WBK Robert Piotr Hibner Electronic Channel Krzysztof Grzeszczuk SVP Global Emerging Capabilities Citi Matthijs Eijpe Regional Manager Backbase Dariusz Paczewski Innovation Office Raiffeisen Polbank Jose Antonio Gallego Vazquez Head of Sngular Szymon Mitoraj Head of Digital Channels, Director of Internet, Mobile and Processes Management ING Bank Śląski Monika Pałczyńska R&D Manager Alior Bank Paweł Reichelt Electronic Banking Plus Bank Oliwia Berdak Senior Analyst, e-business & Channel Strategy Forrester Research Łukasz Opoka Senior Project Manager, Digital Strategy Commerzbank Szymon Szczepaniak IT Partner Fidor Group Ewelina Hajdukiewicz CRM Development Manager Piotr Gawron Independent Consultant Przemysław Kulesza Chief Specialist, IT Security dr Paweł Widawski Payment System, Electronic Banking and Bank Security Team Polish Banks Association Miłosz Brakoniecki Management Board Member Obserwatorium.biz Marcin Żuchowicz CEO e-point Bernard Gołko Digitalization & Fintech Consultant StrategyLabs Doradztwo Strategiczne Wawrzyniec Hyska Senior Solutions Architect e-point Michał Macierzyński Deputy Director, Mobile & Internet Banking PKO Bank Polski Paul Broda Senior Consultant WebID Solutions Piotr Jaros Internet Sales Specialist Bank SMART FOR MORE INFORMATION ON THE SPEAKERS, GO TO: www.digital-banking.pl/prelgenci

AGENDA OF THE FORUM Day 1: 24 November HOST OF THE FORUM: Miłosz Brakoniecki, Management Board Member, Obserwatorium.biz 09.30 Registration and morning coffee 10.00 Official opening and welcoming participants Miłosz Gajewski, Project Manager, Blue Business Media STRATEGIC REORIENTATION TO INNOVATION - EVOLUTION OF BANKS AS A RESPONSE TO CHANGES 10.15 Digital innovation in financial services strategic approach to value creation for customers Oliwia Berdak, Senior Analyst, e-business & Channel Strategy, Forrester Research 10.40 Interactive Q&A session 10.50 Go digital or go home Monika Pałczyńska, R&D Manager, Alior Bank Digitalisation has set out the new paths for development for banking New business models and on-going innovations as a response to changes Evolving changes of the digital customer and the future challenges 11.15 Interactive Q&A session 13.00 Lunch break 13.50 From the west to the east, or from the east to the west? Innovations in the German banking market Łukasz Opoka, Senior Project Manager, Digital Strategy, Commerzbank The structure of banking market in Germany Differences in the conditions for creating innovation Case studies from the German market: start-ups vs. commercial banks 14.15 Interactive Q&A session 14.25 Panel discussion Transformation of the banks and building a culture oriented to innovation - how to strengthen the bank and make it a technology leader Moderator: Michał Macierzyński, Deputy Director, Mobile & Internet Banking, PKO Bank Polski Bartłomiej Nocoń, Managing Electronic Banking, Bank Pekao Robert Piotr Hibner, Electronic Channels, Dariusz Paczewski, Innovation Office, Raiffeisen Polbank Marcin Żuchowicz, CEO, e-point 15.05 Coffee break and networking 11.25 Omni-Channel Banking: The Digital Transformation Roadmap Matthijs Eijpe, Regional Manager, Backbase Customers behavior is changing. New challengers are fighting for a piece of the market, and for the customer. For everyone it is clear: delivering a truly omni-channel digital experience is key and now more relevant than ever. But how can banks and insurance companies achieve this and get the right tools to effectively compete? 11.45 Coffee break and networking 12.05 Banks and FinTech companies: inspiration, cooperation and competition dr Wojciech Bolanowski, Advisor to the CEO, PKO Bank Polski How technology companies inspire banks Where fin-tech looks for synergies with banking Where cooperation ends and competition starts 12.30 Interactive Q&A session 12.40 Customer centricity - the basis of Internet banking system. Case study My ING Szymon Mitoraj, Head of Digital Channels, Director of Internet, Mobile and Processes Management, ING Bank Śląski Wawrzyniec Hyska, Senior Solutions Architect, e-point INNOVATIVE PRODUCTS AND ADDED VALUE OF SERVICES - A MODERN OFFER FROM BANKS AND GROWTH OPPORTUNITIES 15.25 Corpo-digitalization and FinTech how to reforge organizations strengths into a market suess Bernard Gołko, Digitalization & Fintech Consultant, StrategyLabs Doradztwo Strategiczne Unleash entrepreneurial spirit client, employee or dedicated RnD Gen Y expectations Fintech Startup suess stories 15.50 Interactive Q&A session 16.00 Added value in the traditional financial services - what to do to impress and keep customers Tomasz Niewiedział, Multichannel Banking Area, Bank Zachodni WBK The role of the advanced banking in the day-to-day life of a Customer Is it worth investing into innovative solutions New sources of income and enriching the offer for the users 16.25 Interactive Q&A session 16.35 Idea Sum-Up Tables the summary of the first day of the Forum. Each table will share with the participants their major conclusions, directions and inspirations, which will be presented in one-minute start-up speeches! 17.00 Cocktail - time to relax, have creative discussions and a great oasion for informal conversations 19.30 Closing day 1 of the Forum

Day 2: 25 November ACTUAL AGENDA OF THE FORUM www.digital-banking.pl/program 09.00 Registration and morning coffee INNOVATIVE PRODUCTS AND ADDED VALUE OF SERVICES - A MODERN OFFER FROM BANKS AND GROWTH OPPORTUNITIES - CONTINUED 09.30 How to engage the customer and build a community around the bank Jose Antonio Gallego Vazquez, Head of Sngular What is a community and how can help your business? Best cases of communities around banking activities How to grow a community mindset in your company 09.55 Interactive Q&A session 10.05 Reshaping financial services by delivering transparent, open, and effective banking case study Fidor Bank Szymon Szczepaniak, IT Partner, Fidor Group API banking Community Karma Banking 60 seconds banking (emergency loans, purchasing precious metals) 10.30 Interactive Q&A session 10.40 Coffee break and networking 11.00 Quick and secure delivery of financial services which comply with AML regulations - optimal approach to design of online procesess based on digital identification and verification of the clients Paul Broda, Senior Consultant, WebID Solutions 11.20 Panel discussion The future and the directions for development of electronic banking - what will the customer obtain from financial institutions and how will their offer change Moderator: Michał Macierzyński, Deputy Director, Mobile & Internet Banking, PKO Bank Polski Krzysztof Grzeszczuk, SVP Global Emerging Capabilities, Citi Paweł Reichelt, Electronic Banking, Plus Bank Piotr Gawron, Independent Consultant ANALYTICS IN THE SUPPORT OF SALES - INTEGRATION AND USE OF DATA 12.00 Context communication in real time and effective sales - when and what to tell the customer to encuorage them to buy Ewelina Hajdukiewicz, CRM Development Manager, Event-driven marketing and advanced analytics as the source of information on the Customer s needs Real-time communication - is it worth doing it? Optimisation in reaching the Customer in digital and standard channels 12.25 Interactive Q&A session 12.35 Lunch break SECURITY - HOW TO PROTECT THE BANK AND THE CUSTOMER 13.25 Voice biometry - chances and challenges in the context of European banking Piotr Jaros, Internet Sales Specialist, Bank SMART What is banking with no boundaries? - Bank for mobile people Voice biometry as an effect of mobile first approach Bank born to work on smartphones Case study of Bank SMART: European aspect of banking 13.50 Interactive Q&A session 14.00 Security and ergonomics - trends in combining the impossible Przemysław Kulesza, Chief Specialist, IT Security, Security, Perception of security in e-banking YESTERDAY and NOW Ergonomics as an function of security? Where do we have to go and where we cannot go? 14.25 Interactive Q&A session UPCOMING REGULATIONS AND THEIR IMPACT TO BANKS BUSINESS MODELS 14.35 PSD2 in practice - analysis of consequences Paweł Widawski, Payment System, Electronic Banking and Bank Security Team, Związek Banków Polskich Aess of third parties to the bank aount API banking PSD2 versus payment cards and mobile payments 15.00 Interactive Q&A session 15.10 Summary of the Forum 15.15 Closing the Forum, handing out certificates

WHY IS IT WORTH IT You will learn what you can do to improve the level of the bank s innovativeness with a view on improving its competitive edge in on-line and mobile areas You will learn new strategies that will help you design an outstanding proposal of value in the market - you will get customers loyalty and esteem You will get inspired, thanks to which you will develop and implement innovative products, tools and solutions You will hear how digital banking is done abroad - you will get a wider perspective and additional inspirations, which you will convert into a suess in the Polish market You will obtain practical knowledge on advanced analytical solutions leading to generating higher turnover and sales REPORT FROM 2014 EDITION: www.digital-banking.pl/ relacja-2014

REGISTERING PARTICIPATION The terms of registering and the on-line registration form are available on the website of the Forum: www.digital-banking.pl/zgloszenie We invite you to take advantage of our proposal available until 9 October 2015. THE COST OF PARTICIPATION OF ONE PERSON IN THE CONFERENCE AMOUNTS TO: 2995 (+23% VAT) if registering by 9 October 2015 3495 (+23% VAT) if registering between 10 October and 6 November 2015 3995 (+23% VAT) if registering by 6 November 2015 ANNA CHROBOT B4B Communications Manager anna.chrobot@bbm.pl +48 22 256 70 35 PARTNERSHIP MIŁOSZ GAJEWSKI Project Manager milosz.gajewski@bbm.pl +48 603 990 823 ABOUT THE FORUM ANNA BANAŚ Head of Sales anna.banas@bbm.pl +48 12 350 54 06 PARTICIPATION