Session 1: New Bank Models – Blending Commercial Banking and Fintechs

• Evolution of banking: from traditional to digital-first models
• Digital-only banks, neobanks, and challenger banks – global case studies
• Partnerships between commercial banks and fintech firms
• Regulatory, customer trust, and competition implications
• Group exercise: Mapping the strengths of fintechs vs. traditional banks

Session 2: Novel Fintech-Driven Bank Products and Services

• Automation of lending processes: credit scoring and digital onboarding
• AI applications: chatbots, robo-advisors, intelligent customer support
• Hyper-personalization and data-driven cross-selling
• Rise of financial “super apps” and embedded finance models
• Case discussion: Disruptive fintech products reshaping banking

Session 3: Fintech in Bank Risk Management – Addressing Traditional and New Risks

• ICT tools for credit, market, and operational risk management
• Managing cyber risks, fraud, and data privacy challenges
• AI-driven risk monitoring and compliance (RegTech, SupTech)
• Stress testing and scenario modeling with big data
• Group activity: Identifying risks and fintech-enabled mitigation approaches

Session 4: Selected Topics – Crypto, Digital Currencies, Blockchain, and Open Banking

• Blockchain and distributed ledger applications beyond payments
• Cryptocurrencies and stablecoins – risks and regulatory perspectives
• Central Bank Digital Currencies (CBDCs) – implications for the banking sector
• Open banking ecosystems and APIs – innovation and inclusion opportunities
• Case study: Adoption trends and regulatory frameworks across markets
• Enhanced customer-centric product development
• Improved resilience against ICT-driven risks
• Greater internal capacity to adapt to regulatory shifts