From digital transformation to value creation
Customers, financial industry ecosystem and marketplaces are going through rapid changes. Banks have embraced new technologies and have started to transform themselves. They are putting the needs of the customers at the forefront, all the while keeping in mind the dynamic multifaceted challenges and opportunity that youthful demographic are posing. However the industry has to undertake a more aggressive change due to the creeping challenge of non-industry players, more particularly global technology giants have started stepping on the toes of the banking industry, which is evident from their recent launches of products and solutions and their aggressive focus on capturing an increasing share of customers’ wallets and imagination. Investors and markets look more favorably on the technology giants than the banking industry.
 As banks look to transform, they are discovering new opportunities through collaboration, introducing new products, services and experiences for their customers. The evolving need to transform in a rigorous regulatory landscape is a challenge in its self.
 However, the change in strategy is the key for survival in the modern age of banking. It has become clear that banks need to focus on harnessing skill sets of their workforce rather than focusing on pooling in every technology that comes their way.
 This year fifth edition of Efma Retail Banking Summit in Middle East rebranded as Efma World Retail Banking Summit will delve deeper into the latest trends, innovations and will showcase some of the industry leaders who have set examples for others to follow. There will be discussions on the importance of collaboration, integration and understanding & meeting customer needs. Like previous editions, this year’s event will bring together the most successful banks and companies in the retail financial services ecosystem across the world.
 This year’s edition will also feature the most disruptive innovations and best practices in digital transformation. Moreover, there will be discussions on Open Banking, customer experience, cyber security, affluent banking, data integration, transforming payment landscape, new entrants in the ecosystem and much more, below you can find some broad areas which will be covered during the summit;
 • Finding the holy grail of data strategy: Charting the path towards success whilst dealing with the issues of big data, cyber security, analytics and behavioral data;
 • Artificial intelligence, robotics and machine learning: Making sense of tomorrow’s world for banks;
 • Block-chain, crypto-currencies and the promise of tokenization: Finding and monetizing the value in distributed ledgers;
 • Internet of all things, voice, virtual reality et al: How to prepare banks for the platforms and channels of tomorrow whilst dealing with the predominance of mobile today?
 • Open banking, APIs, Fintechs and the challenge of interfacing with rest of the world;
 • From Affluent, SMEs to Millennials and the financially excluded: How to deepen the relationship with existing segments and break into new ones?
 • People: How to update the workforce with skills, mindset and culture as banks transform their infrastructure and platforms?
 • Distribution and Design: How to create an experience and space for interaction with banking customers comparable to retail leaders?
 • Mobile, Wallets and Online Payments: What are the most compelling win-back strategies?
 Reserve your place now and make most of this exclusive event. Learn about the current and upcoming trends and know what it takes to succeed!

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John Berry
John Berry Efma
Cornel Dixon
Cornel Dixon Backbase
Head of Middle East and Africa
Poyraz Ozkan
Poyraz Ozkan Alterna CX (Turkey)
Founding Partner
Aref Al-Ramli
Aref Al-Ramli Mashreq Bank
Senior Vice President- Head of Digital Banking & Innovation
Niyazi Bastürk
Niyazi Bastürk Isbank
Digital Banking Strategy Manager
Thomas Schornstein
Thomas Schornstein Additiv
Global Head of Sales
Sharjeel Shahid
Sharjeel Shahid United Bank Limited (Pakistan)
Group Executive Digital Banking Group
Subroto Som
Subroto Som Mashreq Bank
Senior Executive Vice President, Group Head of Retail Banking
Javier Mas
Javier Mas CaixaBank
Corporative Marketing Director (CMO)
Deepak Sharma
Deepak Sharma Kotak Mahindra Bank
President & CDO
Burcu Bacioglu
Burcu Bacioglu Garanti BBVA
Process Development Manager and Project Lead of Branch Transformation
Frederic de Melker
Frederic de Melker Rakbank
Managing Director Personal Banking
Supaneewan Chutrakul
Supaneewan Chutrakul Kasikornbank
Executive Vice President
Bidyut Dumra
Bidyut Dumra DBS Bank Singapore
Executive Director / Head of Innovation
Amran Hassan
Amran Hassan Maybank
Head, Corporate Development & Innovation
Ahmed Al Sadek
Ahmed Al Sadek Pisano
Commercial Director - MENA
Evans Munyuki
Evans Munyuki Emirates NBD
Group Chief Digital Officer
Philip King
Philip King Abu Dhabi Islamic Bank
Global Head of Retail Banking
Ahmed Issa
Ahmed Issa Commercial International Bank
Chief Executive Officer of Retail Banking and a Member of the Board’s Management Committee
Evren Sahin
Evren Sahin Yapi Kredi Bankasi
EVP | Head of Digital Banking Group & Innovation
Amjad Al-Lawati
Amjad Al-Lawati Bank Muscat
Assistant General Manager Digital & Alternate Channels
Vincent Bastid
Vincent Bastid Efma
Suvo Sarkar
Suvo Sarkar Emirates NBD
Senior Executive Vice President & Group Head - Retail Banking & Wealth Management
Asif Sheikh
Asif Sheikh Kony
Regional Vice President - Middle East
Fadi Chalouhi
Fadi Chalouhi Kuwait Finance House
Group General Manager Retail Banking
Pieter K. Zylstra
Pieter K. Zylstra Orange Business Services
Regional Director, Digital Transformation
Stewart Lockie
Stewart Lockie Al Ahli Bank of Kuwait
General Manager, Retail Banking
Christian Roland
Christian Roland AIA Thailand
Chief Strategy and Digital Officer
Fahim uz Zaman
Fahim uz Zaman Efma
General Manager, Middle East & Africa
Engin Girişgen
Engin Girişgen Alterna CX (Turkey)
Customer Success Director & AI Products Owner
Daniel Daszkiewicz
Daniel Daszkiewicz Alior Bank
Head of Fintech
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