Registration

Opening Remarks

The Legacy Bottleneck: When the Core Cannot Keep Pace

• Core systems built decades ago cannot support real-time processing or modern API integration — what breaks first under load?
• How do institutions protect operations when only one or two people understand the oldest infrastructure and succession planning is critical?
• A failure of legacy systems would be catastrophic for most institutions — how to modernise infrastructure that cannot go down?
• What modernisation delivery models and partnership approaches are actually working in-market right now?

How We Solved...

The AI Governance Gap: Deployed at Scale, Governed at Pilot

• Regulatory guidance requested across the sector but credit decisioning is already live — wait for rules or build governance now?
• Where can AI governance platforms and model risk management partnerships fill capability gaps until internal frameworks mature?
• Algorithmic bias in credit scoring is a latent compliance risk — how are models audited when decisions cannot be fully explained?
• When regulatory guidance finally arrives, will the CIO shape it or be forced to rebuild everything in response to it?

Networking Break

When the Interface Is Not Yours: Competing for the Customer in Kenya

• When the primary interface is not yours, what does owning the customer actually mean through experience, and where is control still recoverable?
• Which customer journeys still justify investment, and which are already lost to external rails, forcing banks to compete, partner, or step back?
• How do banks make decisions with partial visibility when customer activity sits across internal systems and external platforms they cannot fully control?
• As usage shifts across USSD, app, and branch, what breaks first - cost structure, frontline incentives, or service consistency - and what must realign?

How We Solved...

Scaling Kenya's Payment Rails: The Build, Buy and Govern Decisions Defining the Next Decade

• As mobile money dominates daily flows, where do banks still build — and where are they forced to plug into existing rails?
• At what point does building in-house stop making sense, and what are banks underestimating when they try to own issuing and processing infrastructure?
• What are the real trade-offs in outsourcing payment infrastructure — cost, control, speed to market, resilience, and managing risk at scale?
• As cross-border payment flows expand, what breaks first — infrastructure, liquidity, compliance, or coordination between regulators and market participants?

How We Solved...

The Security Surface: When Attacks Surge and the Perimeter Dissolves

• Where does verification fail when cyber incidents surge and mobile banking takes the heaviest financial losses?
• Which third-party risk management and supply chain security partnerships can monitor vendor attack surfaces that internal teams cannot reach?
• Is infrastructure fast enough to detect, contain and report breaches within the mandatory 72-hour reporting window?
• What actually changes on detection speed and coordinated response now that a Banking Sector Security Operations Centre is live?

The Distribution Question: Compete, Partner, or Step Back

• When partnerships drive growth, what is the bank selling — product, balance sheet, or distribution rights — and where does the value still sit?
• How are tier-1 and mid-tier banks taking different routes to partnership-led growth, and what is genuinely working at each scale?
• What does the technology and data foundation need to look like to be a credible partner, and where are most banks still falling short?
• Where are institutional and corporate clients bypassing banks entirely, and which relationships still retain the exclusivity and pricing power worth defending?

Closing Remarks

VIP Networking Lunch