2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Mobile Money to Real-Time Rails: Where Ivorian Banking Goes Next

Mobile money overtook banking a decade ago. PI-SPI has now forced every institution onto the same real-time rails. Wave has incorporated a bank. Djamo holds a microfinance licence. The traditional banking sector — 28 banks holding a third of all WAEMU assets — is being asked to defend its position, modernise its stack, and serve the majority of adults still outside the system, all at the same time.

PI-SPI integration becomes mandatory on 30 June 2026. By August, where will the bank's stack actually be?
Wave Bank, Djamo, Julaya — the fintechs are climbing into banking territory. Where is the bank's competitive position actually most exposed?
78% of adults remain unbanked while mobile money keeps expanding. What is the bank's credible go-to-market for this segment?
The e-CFA is in active development. What does intelligent banking in Côte d'Ivoire actually look like once the rails, the data, and the currency are all real-time?

0935 - 0950

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

0950 - 1020

PI-SPI: The Integration Reality Check

The BCEAO's mandatory PI-SPI integration deadline lands on 30 June 2026. By the time this room convenes in August, every bank, microfinance institution, mobile money operator and PSP will have been required to be live for two months. The conversation in the room will be about what actually worked, what broke, and what's still in remediation.

Where did the integration work actually break, and what does the remediation roadmap look like by the time the room convenes?
PI-SPI moves settlement from days to seconds. What has that change actually done to the bank's operations on the ground?
PI-SPI generates a continuous stream of real-time payments data. What is the bank building on top of that data to replace the lost interchange margin?
What separates the institutions that integrated cleanly from those still in remediation, and what does that say about how the next regulatory step lands?

1020 - 1025

The Room Speaks: Closing Pulse

A live audience pulse check capturing the priorities, pressures, and challenges shaping banking transformation today.

1025 - 1105

Networking Break

1105 - 1135

The Fintech-to-Bank Pipeline: When the Challenger Becomes the Peer

Wave Bank, Djamo, Julaya — the fintechs aren't trying to disrupt the banks anymore. They are becoming banks. The regulatory ladder is letting them climb into deposit-taking, lending, and full banking territory on cloud-native stacks. The gap between those stacks and traditional bank cores is now the most expensive line item on the CIO's desk.

Wave Bank Africa is taking deposits and lending. Where does the traditional bank actually lose ground first?
Djamo offers 6% savings and instant lending on a microfinance licence. What does it actually cost the bank to match that?
Fintech apps set the customer experience benchmark Ivorian consumers now expect. Where is the bank's app genuinely behind, and what's actually being rebuilt?
Customer acquisition costs are rising as fintechs compete on the same products. What does the bank's credible channel economics actually look like?

1135 - 1150

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1150 - 1220

The 78% Question: Building for the Unbanked at Scale

78% of Ivorian adults remain outside the formal banking system. Mobile money has served the gap for a decade. The question for traditional banks is no longer whether the segment matters — it's whether the bank can serve it profitably, on a unit economics basis that holds at scale, against fintechs already winning the wallet.

The wallet has won the daily relationship for this segment on simpler UX than the bank offers. What does the bank's mobile-first experience need to look like to compete?
Most unbanked customers don't have the documents onboarding requires. What's an identity stack that actually opens the segment?
Agent networks drive mobile money distribution. What does a credible bank agent strategy actually look like, and how is the technology supporting it?
CDC-CI Capital is backing local fintechs with public capital. How does the bank position alongside public infrastructure rather than build a parallel one?

1220 - 1235

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1235 - 1305

Building on the New Data Layer: Real-Time Data, AI, and the New Customer Experience

PI-SPI doesn't just move money in real time — it generates a continuous, structured stream of transaction data across every connected institution. For the first time, Ivorian banks have the raw material for production AI, real-time personalisation, and a customer experience that competes with the fintechs. The question is what gets built on top of it, and how fast.

PI-SPI is now generating real-time data across the entire network. What is the bank actually capable of doing with it today versus in 12 months?
Fintechs are running AI-driven credit, personalisation, and customer engagement on lighter data than this. Where is the bank's AI gap genuinely costing it?
Real-time data plus AI changes what customer experience can be. What does that actually look like inside the bank's app, not in a vendor pitch?
Most banks still run fragmented data infrastructure. What's the practical first move to consolidate before the AI conversation can happen credibly?

1305 - 1320

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1320 - 1350

The Security Agenda: Building Bank-Side Defences as the Attack Surface Widens

PI-SPI has widened the attack surface across every interoperating institution, and instant payments collapse fraud detection windows to seconds. The bank is exposed across multiple fronts at once — account takeover, insider fraud, BEC, ransomware, mobile banking app abuse, and the new vector of real-time rails. ANSSI was only established in October 2024 and national cybersecurity capability is still consolidating. The defences sit inside the bank.

PI-SPI moves attack windows to seconds and exposes every institution to every other's risk profile. What does the bank's real-time fraud control stack actually look like?
Account takeover, BEC, and credential stuffing dominate the bank's loss profile globally. What's working against those vectors at scale inside Ivorian banks today?
Insider fraud remains the largest single loss category for many African banks. What controls — technical, process, behavioural — are genuinely reducing exposure?
ANSSI is new and national capability is still consolidating. What is the bank building internally while the national infrastructure layer matures?

1350 - 1355

The Room Speaks: Closing Pulse

A final audience reflection measuring how perspectives shifted across the day’s discussions and debates.

1355 - 1400

Closing Remarks

1400 - 1445

VIP Networking Lunch

Côte d'Ivoire Edition

25 August 2026, Abidjan

10DX Summit Côte d'Ivoire Edition

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