2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Banking-Led to Mobile-Money-Led: Where Ghanaian Banking Goes Next

The structural position of Ghana's banks has changed. Mobile money handles seven times the volume of the interbank rail, financial inclusion runs through wallets rather than branches, and the CISD 2026 has redrawn the cyber, AI, and data sovereignty perimeter. For senior banking leadership, the question is no longer whether the customer interface is changing — it is what the bank's competitive position actually is from here.

Mobile money is the primary rail and the bank is now the secondary one. What does the bank's strategic posture look like from inside that reality?
The CISD 2026 reshaped the cyber, AI, and cloud sovereignty perimeter overnight. What does that change about the bank's technology roadmap this year?
NPLs remain well above the BoG's 10% target. What does the bank's credit architecture actually need to look like to hit that bar?
BoG has positioned AI and real-time infrastructure as the next operational layer. What does intelligent banking in Ghana actually look like in practice?

0935 - 0950

How We Solved...

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

0950 - 1020

The Bank on Someone Else's Rail: When Mobile Money Owns the Customer

A single operator handles 73% of Ghana's mobile money volume and captures 89% of the revenue. Wallets, the customer relationship, and the day-to-day financial experience sit outside the banking system. The banks' shared mobile wallet through GhIPSS has struggled for adoption since 2022. The question is no longer how the bank competes with mobile money — it is what the bank does when the rail is permanent.

Deposit, payments, and acquisition channels increasingly run through a wallet the bank doesn't own. What does the bank's integration architecture have to deliver?
Mobile money wins on speed, simplicity, and trust at transaction level. What does the bank's experience architecture need to outperform from here?
A single operator dominates 73% of mobile money volume. What does the bank's commercial posture look like when bargaining power has shifted that far?
Regional wallets and remittance corridors are scaling across West Africa. Where does the bank's competitive position sit when payments cross borders through wallets?

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

Credit After the NPL Cycle: Rebuilding Decisioning at Industry Scale

Ghana's NPL ratio improved to 18.9% in 2025 but remains nearly double the BoG's 10% target. The macroeconomic recovery has stabilised the sector, but the credit architecture that produced the last NPL cycle has not been rebuilt. Under the CISD 2026, AI in credit decisioning is now a governance-regulated function. The question is how the bank builds credit economics for the next decade rather than the last one.

The bank's credit decisioning has to hit a 10% NPL target while expanding lending. What does the underwriting and monitoring architecture actually need to deliver?
AI in credit decisioning is now governance-regulated under the CISD 2026. What does the bank's model risk function need to look like at production scale?
Mobile money data is the largest behavioural dataset in the country. What is the bank's credible alternative data strategy from here?
SME and informal sector lending sit between the bank's risk appetite and the country's growth requirement. What does the bank do to bridge that gap?

1135 - 1150

How We Solved...

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

1150 - 1220

The Payments Stack: Open Banking, eKYC, and What Comes Next

The National Payment Systems Strategy 2025-2029 sets open banking, eKYC built on the Ghana Card, and the next phase of interoperability as the architecture for the next five years. PAPSS is scaling cross-border, and stablecoin usage is rising in trade settlement outside the regulated perimeter. The bank's payments revenue model is no longer protected by exclusive access to the rails underneath it.

Open banking and eKYC reshape what third parties can do on the bank's accounts. What does the bank's monetisation architecture need to look like from here?
The Ghana Card eKYC enables instant onboarding across the sector. What does the bank's customer acquisition stack actually need to deliver against that?
Stablecoin and crypto rails are growing outside the bank's perimeter. What does the bank do when settlement starts moving in those corridors?
PAPSS and regional integration are accelerating ahead of harmonisation. What does the bank's correspondent and cross-border architecture need to enable?

1220 - 1235

How We Solved...

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

1235 - 1305

AI in Production: What's Actually Moving Under CISD 2026

Ghanaian banks are investing in AI across fraud detection, credit scoring, customer service, and operations. The CISD 2026 has now made AI a governance-regulated function — transparency, fairness, and security have to be demonstrable. Cloud sovereignty rules require core systems and sensitive data to remain inside Ghana. The question is not whether AI works — it is what is shipping under the new governance regime.

The CISD 2026 requires demonstrably fair and transparent AI in credit and fraud. What does the bank's model governance function need to look like in practice?
Core systems and sensitive data must now reside within Ghana. What does the bank's cloud and infrastructure architecture have to deliver to comply?
CISD 2026 adds governance requirements at the production gate. Where does that change the bank's pilot-to-production path in practice?
AI needs data, integration, and operational ownership pilots rarely require. Where is the bank's foundation ready, and where is it the blocker?

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: CISD 2026 and the Threat Environment

Ghana recorded 2,008 cyber incidents in the first half of 2025 alone — a 52% jump on the prior year. The CISD 2026 has elevated cyber resilience to a board-level governance requirement, expanded FICSOC to non-bank institutions, mandated AI/ML governance, and drawn a hard line on cloud data sovereignty. The regulatory bar is higher, the threat surface is wider, and the defence sits inside each bank.

The CISD 2026 makes board-level cyber accountability mandatory. What does the bank's cybersecurity governance actually need to look like in practice?
FICSOC now extends across the full financial ecosystem including fintechs. What does the bank's role in collective defence actually need to deliver?
Mobile money fraud and SIM-swap attacks sit largely outside the bank's perimeter. What controls — internal or partnered — are genuinely reducing exposure?
Deepfake and AI-generated social engineering are scaling fast. What does the bank's authentication and detection stack need to look like soon?

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 and End of Summit

1400 - 1445

VIP Networking Lunch

THE INDUSTRY'S TOP VOICES

Series Speakers

Uzairah Abdulhameed

Consultant, Cyber Security

Arab National Bank

Fatimah Alakeel

Asst Professor, Cybersecurity

KSU-CCS

Faisal Al-Ghefari

Chief Compliance Officer

Bank of China KSA

Ayman AlHabib

Chief Risk Officer

D360

Ahmad AlHassan

CISO

Confidential (Stealth Mode)

Dr Abeer Al Humaimeedy

Vice Dean

KSU-CCIS

Nadir Ali

Global Fintech Advisor

Confidental

Nada Al Jeffri

Chief Risk Officer

Standard Chartered Bank

Hussam Alkokhon

Head of Trade Finance

CQUR Bank

Fares Al Omari

VP, Risk Management

Riyad Bank

Ibraheem Alsaab

AVP, Innovation

The Saudi Investment Bank

Ahmed Darwish Alsayed

Head of Digital Delivery

Bank Albilad

Abdullah Alwabel

Head of Retail Digital Banking

BSF

Mamdoh Alzhrani

CISO

A Leading Saudi Bank

Saad Ansari

Co-Founder & CEO

Xpence

Sarah Asiri

Senior Manager, Cyber Security

SAB

Islam Nabil Awad

Manager Solutions Architecture

BSF

Amol Bahuguna

Head of Corporate Innovation

Riyad Bank

Talha Bin Hafeez

Head of Innovation

Saudi Credit Bureau (SIMAH)

Neal Cross

Co-Founder & Chairman

PictureWealth

Debashis Dutta

Advisor

Confidential

Michael Harriman

Senior Advisor - IT

Redwood Bank

Kashif Iqbal

Open Banking & BaaS Consultant

A Leading Bank

Rizny Ismail

Head of Cards Business

Qatar Islamic Bank

Prasad IVS

Head Transaction Banking

Commercial Bank Qatar

Fahad Jaffery

Head of Technology

Tiqmo

Rami Al-Kilani

CTO

Safwa Islamic Bank

Renier Lemmens

Board Chairman

TransferGo

Amit Malhotra

Global Head of Retail Banking

ADIB

Emmanuel Manyonganise

Head of CX & Digital Transformation

A Leading Bank

Faran Niaz

Director, Customer Experience

Hala

Reda Oummouy

Chief Marketing, Sales & Innovation Officer

Adria B&T

Ladle Patel

Senior Advisor, Analytics

ANB

Abbas Raza

Product Owner

The Saudi Investment Bank

Ali Saleh

Head of Customer Experience

Gulf International Bank

Rezwan Shafique

Principal, Global Financial Services

Arthur D. Little

Zaheer Shaikh

CISO

Al Maryah Community Bank

Archana Shetty

VP - IT Projects

QNB Group

Tamer Yousry Therwat

Head of Governance & Architecture

Qatar Development Bank

Nabeel Wyne

Senior Director

Capgemini

Ghana Edition

17 November 2026, Accra

10DX Summit Ghana Edition

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