Kenya Edition

17 March 2027, Nairobi

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10DX Summit Kenya Edition

Kenya's banks operate in the most mobile-first financial market in the world, and they are being asked to prove more than ever before. The Central Bank of Kenya has drafted its first guidance on AI, including agents that act on a customer's behalf. Supervision is moving closer to banks' own data, loan pricing now rests on KESONIA, cyber threats arrive at national scale, and minimum capital is rising towards KSh 10 billion by 2029. Each change asks the same thing of an established bank: are its core systems, records and controls good enough?

10DX Kenya brings together the technology, digital, transformation, data, customer experience and cyber leaders of Kenya's banks. Across five sessions, the programme examines who reviews the machine, how the bank rebuilds its customer experience across data, mobile and the core, whether it can hold the line on cyber, whether its records are good enough for supervision and AI, and how consolidation becomes a chance to simplify the technology estate. It is an agenda for rebuilding the bank behind the phone.

WHAT TO EXPECT

Event in Numbers

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

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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

From Mobile-First to Intelligent Banking
17 MARCH 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Who Reviews the Machine?

AI Agents, CBK's Draft Guidance and the Accountable Bank. Kenyan banks have used algorithms to lend through mobile phones for more than a decade. The next generation of AI will not only score a customer but act on their behalf. The Central Bank is writing rules for that world now. The opening panel asks how banks keep people accountable for what machines decide, and what must be in place first.
  • CBK's draft AI guidance gives customers a right to human review of adverse decisions. Which service, pricing and account decisions can stay automated?
  • The draft classes agentic AI as high-risk, with authority limits and full audit logs. What does a deployable agent look like in Kenya?
  • An AI register and 24-hour incident reporting would apply from day one. How ready are the bank's model inventory and vendor contracts?
  • The draft covers banks, credit bureaus and digital lenders alike. How does accountability hold when model, data and customer sit in different firms?

0935 - 0950

How We Solved...

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

0950 - 1020

What Is Left for the Bank?

Rebuilding the Customer Experience Across Data, Mobile and the Core. No market has seen a telecom platform take as much of daily finance as Kenya. Payments went first, then savings and credit, and now investments. Banks still hold the balance sheet and the trust that comes with regulation. This session examines where banks can lead the customer experience again, and where partnering with the wallet is the smarter play.
  • Kenya has 53 million mobile money subscriptions and one rail holds nearly nine in ten. What must the bank's own channels do better?
  • Money market funds, share trading and insurance now sit in the SIM menu. How can the bank's data and AI win them back?
  • Customers expect to open accounts, borrow and resolve problems from the phone. Which legacy journeys should an established bank rebuild first?
  • The draft National Payment System Bill plans a national instant payment switch. What should the bank build once every provider shares the rail?

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

Can the Bank Hold the Line?

Cyber Resilience, AI-Enabled Threats and Digital Trust. A financial system that runs on phones is a permanent target. Kenyan banks face criminals who are organised, well funded and increasingly equipped with AI. Regulators have responded with shared monitoring and mandatory reporting across the sector. The discussion centres on how banks defend themselves and their customers when the tools of attack improve every month.
  • Kenya's national incident response team logged 2.3 billion cyber threat events in one quarter of 2026. What does that demand of security operations?
  • CBK's banking-sector security operations centre receives mandatory incident reports and ran a simulation in May 2026. What did it reveal about readiness?
  • Deepfake video, cloned voices and AI-written phishing are rising. How does the bank authenticate a customer it cannot trust by sight or sound?
  • Stolen credentials and third-party access are now the common way in. How does the bank secure its chain of vendors, agents and partners?

1135 - 1150

How We Solved...

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

1150 - 1220

Does the Bank Know Its Own Numbers?

Granular Data Integration, Trusted Records and the Foundation for AI. The Central Bank's Granular Data Integration project is designed to connect supervision directly to banks' own systems, for monitoring close to real time. That makes record quality a technology priority, and the same weakness undermines service and AI: systems that hold conflicting versions of one customer. The panel asks how data teams build one trusted record and then put it to work.
  • Granular Data Integration is designed to link supervisors to bank systems for near-real-time monitoring. Which team owns the authoritative record when systems disagree?
  • More granular reporting exposes weaknesses that aggregated returns once hid. What lineage, reconciliation and change controls belong in the bank's data platform?
  • CBK penalised 33 banks on risk-based pricing and found three fully compliant. What does that say about the data behind each customer's price?
  • A model amplifies inconsistent records. What quality and lineage evidence should a data leader require before customer data enters an AI workflow?

1220 - 1235

How We Solved...

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

1235 - 1305

Big Enough to Be Intelligent?

Core Modernisation, Consolidation and Simplifying the Technology Estate. Kenya's banks are being asked to hold far more capital, and not all will reach the new floor alone. Mergers, new investors and narrower business models are all on the table. Each route is as much a technology decision as a financial one. The closing panel considers how consolidation and modernisation fit together, and whether scale delivers intelligence.
  • Minimum core capital rose to KSh 5 billion in 2026 and reaches KSh 10 billion by 2029. What does each path demand technically?
  • Seven banks missed the KSh 3 billion floor at the end of 2025. Which technology decisions come first when two banks become one?
  • Cores must serve KESONIA repricing, real-time rails and AI audit trails together. Where should modernisation start, and what can safely wait?
  • Every bank carries systems it no longer needs. Which should technology leaders modernise, surround, consolidate or retire first, and on what evidence?

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

Abdi Mohamed
Chief Executive Officer
I&M Bank Kenya
Julius Kamau Mwangi
Chief Operating & Digital Officer
Absa Bank Kenya
Eunice Gatama
Group Director - Digital Business
I&M Bank
Anthony Chesaro
Group Head, IT & Cyber Resilience
Equity Group
Hussein Omar Hussein
Director IT & Digital
SBM Bank Kenya
Hartnell Ndungi
Chief Data Officer, Africa
Absa Group
Mary Mwangata
Chief GRC Officer
Pesalink
Neeraj Anand
General Manager, IT Governance
SBM Bank Kenya
Gouri Shankar Sharma
Group Head, IT
Prime Bank Kenya
Eric Ngei
Head, Group Cybersecurity
KCB Bank Group
Janet Dali
Group Head Ecosystems
I&M Bank
Duncan Omani
CISO
Access Bank Kenya
Sylvia Macharia Mwai
Head of Institutional Banking
National Bank of Kenya
Collyns Ouko
Head, Retail Digital Solutions
NCBA Group
Ashish Baghel
Head – Digital Banking Channels
Prime Bank Kenya
Patrick Russell
Chief Commercial Officer
Choice Bank
Amadi Collins
Head, Enterprise Security Architecture
Equity Bank
Naima Mwina Mwawasa
Country Head, Customer Experience
UBA Group
Kennedy Ogwego
Group IT Strategy & Planning
KCB Bank Group
Nyambura Ndung'u
GM, Customer Experience
SBM Bank Kenya

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