Ethiopia Edition

6 April 2027, Addis Ababa

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BY INVITATION ONLY

10DX Summit Ethiopia Edition

Ethiopia's banks are being asked to become competitive within a few years. Proclamation 1360/2025 has opened the sector to foreign entrants, the birr floats, the credit cap has been lifted, banks are listing on the Ethiopian Securities Exchange, and the National Bank of Ethiopia is pressing ahead with EthioPay instant payments and the Fayda digital identity. Thirty-two banks, most with large branch networks and core systems built for a closed market, now have to compete on technology, data and service before better-capitalised rivals arrive.

10DX Ethiopia brings together the technology, digital, transformation, data, customer experience and cyber leaders of Ethiopia's state and private banks. Across five sessions, the programme examines whether the incumbent's core and digital capability are ready for new entrants, how Fayda meets the core, how the bank serves one customer across Fayda, EthioPay, branch and mobile, whether cyber resilience can keep pace with growth, and which local-language AI workloads can reach production first. It is a practical agenda for building an intelligent bank in an open market.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
15+
Sponsors
10+

JOIN YOUR PEERS

Who Attends

Chief Information Officer
Chief Technology Officer
Chief Digital Officer
Chief Data/AI Officer
Chief Info Security Officer
Head of Transformation
Head of CX
Head of Payments
Head of Innovation

SHAPE THE FUTURE

Why Attend

Trailblazing Content
Hear new ideas and learn about the latest trends and innovations reshaping the banking landscape.
Game-Changing Solutions
Meet solution providers, soak in the innovation and discover new ways to future-proof your business.
High-Impact Networking
Network with the industry's movers and shakers and share real-world knowledge and experiences.

2027 Agenda

The Intelligent Bank for an Open Market
6 APRIL 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Who Wins When the Door Opens?

Core Readiness, Digital Capability and Competing With New Entrants. For fifty years Ethiopian banks competed only with each other. That protection has ended in law, and regional and global banks are studying the market. The newcomers will arrive with modern platforms, deeper data and proven digital products. The opening panel asks what domestic banks must fix in technology and operations to compete, partner or combine from a position of strength.
  • Proclamation 1360/2025 opened banking to foreign entrants, and by mid-2026 no commercial bank had arrived. Which technology gaps should domestic banks close first?
  • The ETB 5 billion capital threshold fell due in mid-2026 and merger pressure is rising. What must technology teams settle before banks combine?
  • A strategic investor can take up to 40 percent of a bank. What platforms, data and skills should a partner bring beyond capital?
  • Foreign entrants will arrive with data and AI built into their banking. Which capabilities should a domestic bank build or partner for first?

0935 - 0950

How We Solved...

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

0950 - 1020

Fayda Meets the Core

Digital Identity, Clean Records and Architecture for Growth. Every Ethiopian bank account is being linked to a Fayda digital identity. A verified identity only helps when it maps cleanly to accounts, permissions and histories, on core systems already stretched by rising volumes. This session examines how banks turn identity integration into a single customer view, and how they sequence it with the modernisation the core needs.
  • Fayda links every account to one verified identity. What does a single customer view require of the bank's data architecture and core?
  • A single verified customer record is the raw material for analytics and AI. What should the bank predict once it exists?
  • Digital payment values nearly doubled to ETB 18.5 trillion in a year. What does the core need to survive the next doubling?
  • The birr has gone from 57 to nearly 160 per dollar since 2024. What should the bank build locally, buy, or share?

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

After telebirr, Where Does the Bank Meet the Customer?

One Customer Across Fayda, EthioPay, Branch and Mobile. Ethiopians adopted mobile money at remarkable speed, and most did so through a telecom brand rather than a bank. Banks still hold most deposits and almost all lending. The contest now is for the screen the customer opens each day. The panel looks at how banks rebuild onboarding, service and everyday payment journeys to win that place.
  • telebirr reports 58 million customers while banks run 13,000 branches. Where does the bank become the first screen, not the back office?
  • EthioPay makes transfers instant across providers, and government must accept every licensed channel. What experience does the bank build on level rails?
  • Trade finance and foreign exchange matter to every business customer. Which corporate journeys should the bank digitise first, and why?
  • Wallet providers already use transaction data to offer credit and savings. How can a bank use its own customer data to personalise service?

1135 - 1150

How We Solved...

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

1150 - 1220

Can Trust Keep Pace With Growth?

Cyber Resilience, Third-Party Dependency and Digital Identity. Digital finance is growing faster in Ethiopia than the defences around it. Millions of first-time users are moving money on phones, and fraudsters have followed them. Digital identity gives banks a powerful new control, and a new dependency. The question is how banks protect customers and systems while volumes, connections and expectations all rise together.
  • NBE's stability report names cyber, operational and fraud risk as costs of growth. How does a mid-sized bank build security with scarce specialists?
  • Every account is being tied to a Fayda identity. How much fraud does verified identity remove, and what new risk does it concentrate?
  • Banks depend on shared switches, telecoms and outside vendors. How is recovery tested when a critical service the bank does not own fails?
  • Fraud patterns change faster than rules can be rewritten. Where should a bank start with machine learning in fraud and security monitoring?

1220 - 1235

How We Solved...

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

1235 - 1305

Start Small, Start Local

Local-Language AI, Operations and the First Production Use Cases. Ethiopia has a national AI policy and no banking rulebook for it yet. Banks have scarce specialists, costly foreign technology and records of uneven quality. The useful programme starts with one task that works in local languages and local conditions. This closing panel looks at which service and operations work AI should take on first, and what evidence justifies the next investment.
  • Ethiopia adopted a national AI policy in 2024, and banking rules have yet to follow. Which service and operations tasks should come first?
  • Customers bank in Amharic, Afaan Oromo and other languages. Which local tests decide whether an assistant is ready to face them?
  • Trade documents and account opening still involve heavy manual work. Where can intelligence remove processing while keeping approvals with accountable staff?
  • Skills, foreign currency and clean data are all scarce. Which AI workload could the bank credibly put into production with what it has?

1305 - 1320

How We Solved...

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

1320 - 1325

The Room Speaks: Closing Pulse

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

1325 - 1330

Closing Remarks and End of Summit

1330 - 1415

VIP Networking Lunch

THE INDUSTRY'S TOP VOICES

Series Speakers

Solomon Tesfaye
Deputy CEO
Wegagen Bank
Kedir Abas Rehan
Deputy CEO
Rammis Bank
Tadesse Hatiya
President
Sidama Bank
Andualem Hailu
Founding CEO
Awash Capital
Mengistu Endalamaw
Digital Banking Director
Commercial Bank of Ethiopia
Yeshanew Ayalew
Chief Information & Digital Officer
Bunna Bank
Osman Mohammed
Chief Transformation Officer
ZamZam Bank
Endris Umer
Chief Strategy & Experience Officer
ZamZam Bank
Dawit Teferra
Chief Technology & Digital Banking Officer
Nib International Bank
Shimelis Legesse
Chief Information Officer
Cooperative Bank of Oromia
Assefa Amere
Chief Information Officer
Addis International Bank
Ermias Zewde
Chief Technology Officer
Zemen Bank
Jiren Shis
A/Chief, International Banking Officer
Hijra Bank
Emishaw Tefera
Executive Director, Digital Banking
Ahadu Bank
Hassen Mohammed
VP, Information System
Hijra Bank
Nuredin Mahmoud
Director, IT Infrastructure
Rammis Bank
Tewodros Hailu
Director, Bank Transformation
Awash Bank
Mekdes Bekele
Digital Banking Director
Global Bank Ethiopia
Nejib Aliyi
Director, Digital Transformation
ZamZam Bank
Mitiku Adeb
Director, Digital Banking
Tsehay Bank
Eskatnaf Bayu
Director - IT & Cyber Security
Zemen Bank
Yonas Lemma
Director, IT Risk & Cybersecurity
Hibret Bank
Ifa Abdisa Horata
Director, Digital Banking
Gadaa Bank
Adissu Thomas Lodamo
Director, Digital Banking
Anbesa Bank

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