KSA Edition

13 October 2026, Riyadh

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BY INVITATION ONLY

10DX Summit KSA Edition

Saudi banking is moving from human-speed infrastructure to machine-speed finance. Four fully digital banks now operate under SAMA licence, cashless transactions have already surpassed the Vision 2030 target, and the regulatory perimeter is opening quickly around the sector. SAMA’s Open Banking Framework began licensing third-party providers in 2026, while updates to the Banking Control Law formally opened the door to Banking-as-a-Service and embedded finance beyond the traditional bank perimeter. At the same time, AI-powered fraud and machine-speed threats are reshaping the security agenda.

The next phase is no longer about digitising channels. It is about rebuilding the banking stack around real-time infrastructure, embedded distribution, and AI-native operations. Saudi banking is moving beyond infrastructure-led modernisation towards intelligent banking — regulated, interoperable, real-time infrastructure where data, AI, and automation determine who builds and owns the customer relationship.

Those shifts now define the agenda for 10DX Summit Saudi Arabia in Riyadh, where senior banking and technology leaders will examine core readiness for the agentic era, payment monetisation on open rails, embedded finance, autonomous customers, and the infrastructure decisions shaping the next phase of Saudi banking.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
20+
Sponsors
10+

JOIN THE TRIBE

WHO ATTENDS

CEO/COO/GM
Head of Innovation
Chief Data Officer
CIO/CTO
Head of Transformation
Head of Payments
Chief Digital Officer
CISO
Head of CX

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.

2026 Agenda

5 MARCH 2024

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Human-Speed Banking to Machine-Speed Finance: Where Saudi Banking Goes Next

Saudi banking has built one of the most digitally advanced retail ecosystems in the region. The next phase is not more digitisation. It is the transition to infrastructure designed for AI agents, real-time embedded distribution, and customers whose own software is starting to optimise on their behalf. The keynote opens the day on what every major bank actually has to deliver from here.
  • Cashless penetration has cleared 79%. What does the bank's next strategic horizon actually look like once digitisation stops being the agenda?
  • Fully digital banks are now operating under SAMA licence. What does that change about every incumbent's competitive posture?
  • Embedded finance, open banking licensing, and BaaS authorisation are all live this year. Where does the bank's value-add actually sit in that stack?
  • SAMA has positioned AI and real-time infrastructure as the next operational layer. What does intelligent banking in Saudi Arabia 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

Can the Core Keep Up? Infrastructure for the Agentic Era

The bank's core was built for batch processing and human decision cycles. That era is ending faster than the modernisation roadmap was designed to handle. Embedded finance arrives in real time, AI agents are starting to transact on both sides, and SAMA's April 2026 Counter-Fraud Requirements demand machine-speed defences. Big-bang replacement has failed enough times that the industry has moved on. The question is whether progressive modernisation can close the gap before the gap closes the bank.
  • Modernisation programmes run longer than planned. What does the bank actually do when the new stack ships but the legacy can't be retired?
  • Real-time operations need a data layer, not just a core. Where does the bank's data architecture sit in the modernisation sequence?
  • SAMA expectations on data residency and cloud sovereignty are specific. What does the bank's modernisation architecture have to deliver without sacrificing capability?
  • Modernisation accountability spans CIO, COO, and CDO. What does the operating model need to look like for the programme to actually ship?

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 AI Production Gap: Why Most Bank AI Spend Hasn't Shipped

Banks have spent at scale on AI over the last few years. The pilots ran, the proofs of concept landed, the cloud bills cleared. What hasn't happened is production deployment that moves a measurable P&L line. The blocker is almost never the model — it is data the bank does not own at the quality claimed, governance written on paper but not staffed, and AI capability parked in centres of excellence the line of business does not direct.
  • Pilot-to-production conversion is the metric no bank publishes. What is true about programmes that ship and not about programmes that don't?
  • Data readiness is the blocker in every AI strategy deck. What gets de-funded to fix the platform, and which executive owns the call?
  • SAMA's AI governance is tightening from advisory to enforced. Where does the bank's model risk and validation architecture stand against current expectations?
  • Most banks have an AI programme that should have been killed last year. What happens when half the portfolio is sunk-cost defence?

1135 - 1150

How We Solved...

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

1150 - 1220

The Invisible Bank: When Your Product Lives on Someone Else's Platform

Banking is starting to disappear into other people's platforms. A customer takes a loan at checkout, insurance at point of booking, a savings product inside a super-app — and never opens a banking app. SAMA's open banking licensing and the BaaS framework make this a structural shift, not a thought experiment. The question is no longer whether to build the APIs. It is whether the bank is becoming invisible infrastructure powering products it does not own, for customers it does not see.
  • A retailer offers lending at checkout on the bank's balance sheet. Who actually owns the customer relationship — the platform or the bank?
  • Super-apps are embedding payments, credit, and insurance into daily transactions. What revenue does the bank still own when the journey starts elsewhere?
  • SAMA's BaaS framework gives non-banks structural access. What does a viable Tier-1 BaaS strategy look like inside the Saudi regulatory perimeter?
  • If the bank becomes invisible, the brand goes with it. How does the bank build customer loyalty when the customer never sees it?

1220 - 1235

How We Solved...

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

1235 - 1305

When the Customer Has the AI: Agentic Banking and the End of Inertia

Banking has always relied on one invisible advantage: customers do not move. Deposits stay because switching is hard. Products renew because comparison is effort. AI agents are starting to act on behalf of customers — comparing rates, reallocating balances, choosing providers on logic, not loyalty. The session is not about future scenarios. It is about what the bank does when the inertia premium starts compressing.
  • The inertia premium in deposits and renewals is starting to erode. What does the bank's funding model actually look like when switching friction collapses?
  • If customer AI selects on price and speed, what levers does the bank actually have left to defend the relationship?
  • Banks are building their own automated agents while customers deploy competing ones. What does the bank's authentication architecture need to do?
  • Regulation has not caught up with autonomous financial decisions. Where is the bank's liability when an AI agent moves money the customer did not expect?

1305 - 1320

How We Solved...

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

1320 - 1350

The Payments Stack: When Open Rails Reshape Revenue

mada processes more than 10 billion transactions a year, while Sarie now operates as the kingdom's real-time interbank rail. SAMA's Open Banking Framework began licensing payment initiation providers in March 2026, and the updated Banking Control Law opened BaaS and embedded finance to authorised non-banks. BNPL platforms now operate at multi-billion-dollar scale. The transaction revenue model that protected bank economics for decades is no longer defended by exclusive access to the infrastructure underneath it.
  • Transaction fee income is structurally compressing across the sector. What does the bank's next revenue layer actually need to look like?
  • Customer-facing payment journeys now sit with third parties. What does the bank do when it carries the risk but doesn't see the customer?
  • Hajj and Umrah payments hit a scale no other market matches. What does the bank's payments and fraud infrastructure need to deliver?
  • Cross-border GCC payments are accelerating ahead of full harmonisation. What does the bank's correspondent and FX architecture need to enable now?

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

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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

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