2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Inclusion to Intelligence: Where Egyptian Banking Goes Next

Egypt has delivered the inclusion outcome. The vast majority of adults are now inside the financial system. The country's first fully digital banks launch this year, built by the incumbents themselves. The CBE is moving deeper into its easing cycle and margins are compressing. The next phase isn't about reach — it's about who builds the intelligence layer on top of infrastructure that's already national in scale.

The country's first fully digital banks launch this year, built by incumbents. What does that change about every other bank's strategic position?
The CBE is cutting rates and the easy interest margin is gone. What does the bank's technology roadmap actually look like in response?
76% inclusion is delivered. The next phase is productising data on the existing customer. What does the bank's stack need to deliver?
The CBE has called AI the secret ingredient of banking's next phase. What does intelligent banking in Egypt actually look like now?

0935 - 0950

How We Solved...

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

0950 - 1020

The Incumbent Plays Challenger: What Every Other Bank Has to Decide

Egypt's first wave of fully digital banks is not coming from fintechs. It is coming from the country's largest incumbents, building digital-native subsidiaries from the inside. The first secured CBE approval in August 2025 and goes live this year. Others are on the runway. For every other bank, the question is whether to follow that playbook, partner into one of the new digital subsidiaries, or compete head-on from the existing stack.

The country's largest incumbents are launching digital-native subsidiaries. What does the bank's stack need to look like to compete on the same products?
Building a digital subsidiary requires capital most banks don't have. For a tier-two bank, what's the realistic architectural pattern?
A digital-only bank operates without branch overhead but inherits the parent's tech debt. Where does the arbitrage actually deliver in practice?
The CBE has been deliberately measured on digital banking licences. What does the bank's architecture need to enable as the next cohort arrives?

1020 - 1025

The Room Speaks: Morning Pulse

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

1025 - 1105

Networking Break

1105 - 1135

The Payments Stack: Where Egyptian Banks Build Revenue on Real-Time Rails

InstaPay has reset consumer expectations of bank speed. Apple Pay is live and Android Pay is being onboarded. Card tokenisation is processing tens of millions of transactions monthly. The CBE began monetary easing in 2026 and net interest income is structurally exposed. The fee-income, transaction monetisation, and embedded payments layer is now where the bank's next revenue cycle gets built — and where the architectural decisions are being made.

InstaPay introduced its first fees in April 2025. What does the bank's monetisation architecture need to look like on top of real-time rails?
Card tokenisation and contactless mobile payments are now live in market. Where is the bank's tokenisation and acquiring stack genuinely production-ready?
Cross-border remittances run a USD 29 billion corridor through Egypt. What does the bank's cross-border payments and FX stack need to enable?
Embedded payments and BNPL are scaling at the fintechs. What does the bank's API and partner integration capability actually enable today?

1135 - 1150

How We Solved...

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

1150 - 1220

AI in Production: What's Actually Live in Egyptian Banking

Egyptian banking is moving beyond AI pilots. AI-powered digital employees, three-minute onboarding with Arabic AI chatbots, behavioural credit scoring on alternative data, and commercial registry data exposed to the sector — all of these are now in production or rolling into it. The question is no longer whether AI is real in Egyptian banking — it is which deployments are actually generating value, and how every other bank closes the gap.

AI-powered digital employees are now handling non-financial customer interactions. What's the next AI deployment that actually moves the bank's cost-to-income ratio?
Three-minute onboarding with Arabic AI is now live in market. Where is the bank's onboarding infrastructure, and what's blocking the same outcome?
CBE-I-Score and CBE-ITDA are exposing high-value data to the sector. What does the bank's data architecture need to absorb both at scale?
Arabic-language AI is fundamentally different from English. What's actually working at production scale, and what's still in the lab?

1220 - 1235

How We Solved...

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

1235 - 1305

Full-Stack Competitors: When the Fintech Builds the Bank

Egypt's leading fintechs are no longer disruptors. They are full-stack regulated competitors operating across multiple markets, running cloud-native and AI-first architectures, with multi-billion-dollar loan books and hundreds of thousands of merchants on platform. Several are applying for digital banking licences. The technology gap with traditional bank cores is now the most expensive line item on the CIO's desk.

Cloud-native fintechs are applying for digital banking licences. What does the bank's competitive stack need to look like when those licences are approved?
Egypt's leading fintechs run the full banking value chain on a single integrated platform. Where is the bank's equivalent capability genuinely behind?
Egypt's fintechs are raising public debt at competitive rates. What does the bank need to compete on lending economics, not just brand?
The fintechs set the customer experience benchmark Egyptian consumers expect. Where is the bank's app and onboarding stack actually behind?

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

Egyptian banks are now exposed across multiple fronts simultaneously. Real-time payment rails have collapsed fraud detection windows to seconds. Account takeover, business email compromise, and credential stuffing dominate the loss profile. Insider fraud remains a material category. Mobile banking app abuse and AI-powered social engineering are rising fast. The CBE tightened PSP governance in September 2025, but national infrastructure is still consolidating — and the operational defence sits inside each bank.

Instant payments and real-time rails have collapsed fraud detection windows to seconds. 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. What's working at scale inside Egyptian banks today?
Insider fraud remains a material loss category for many MENA banks. What controls are genuinely reducing exposure inside Egyptian banks now?
AI-powered fraud is rising alongside AI-powered detection. How is the bank keeping pace, and what does the realistic operating model look like?

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

Egypt Edition

2 November 2026, Cairo

10DX Summit Egypt Edition

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