KSA Edition

19 January 2027, Riyadh

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BY INVITATION ONLY

10DX Summit KSA Edition

Saudi banks have moved from digitisation to execution. Electronic payments now account for 85 percent of retail transactions, open banking is licensing its first providers, new digital banks are competing for the same customers, and the Kingdom is building sovereign AI capacity through HUMAIN and national cloud infrastructure. For an established bank with a legacy core and millions of customers, the question is no longer whether to adopt AI, but how to let software act safely: on Arabic-language models and in-Kingdom infrastructure, under Sharia accountability, and on cryptography that SAMA now requires banks to make quantum-ready.

10DX Saudi Arabia brings together the technology, digital, transformation, data, cyber and customer experience leaders of the Kingdom's banks. Across five sessions, the programme examines the operating model for agents in production, how fast the bank can change its cryptography as SAMA's quantum deadlines arrive, what it takes to run agents at scale on sovereign infrastructure and a legacy estate, how the bank serves customers who bring their own AI, and who owns the payment when the rails are open. It is a working agenda for the banks building machine-speed finance, and for the partners who want to build it with them.

WHAT TO EXPECT

Event in Numbers

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

JOIN THE TRIBE

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 Sovereign AI to Agentic Banking: Saudi Arabia’s Next Financial Era
19 JANUARY 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Human-Speed Banking to Machine-Speed Finance

The Agentic Operating Model and Where Saudi Banking Goes Next. Saudi Arabia has built one of the most digital retail banking markets in the world in under a decade. That achievement is now the starting point. The next phase is banking that runs at the speed of software, on infrastructure the Kingdom controls. The opening panel sets out what every major bank must deliver from here, and what running agents in production really demands.
  • Electronic payments reached 85 percent of retail transactions in 2025, past the Vision 2030 target. What should the bank's next strategic horizon be?
  • Many AI pilots succeed with manual support production cannot sustain. What is true of programmes that ship and not of those that stall?
  • AI capability often sits in a centre of excellence the business does not direct. What operating model puts agents into daily banking work?
  • A completed task costs more than a model call. What does it cost once integration, monitoring and human exceptions are all counted?

0935 - 0950

How We Solved...

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

0950 - 1020

Can the Bank Change Its Cryptography Fast Enough?

SAMA's Quantum Deadline, Crypto-Agility and Migration Readiness. SAMA has turned quantum risk into an operational resilience requirement. Banks must have cryptographic inventory procedures in place by the end of 2026, with the enterprise quantum-risk assessment due by the end of March 2027. Choosing a new algorithm is the smaller task. The harder one is knowing where cryptography sits, what depends on it, and whether it can change without disrupting critical services.
  • Cryptography sits inside cores, payment systems, APIs and vendor applications. Which architecture decisions let the bank replace it without rebuilding everything around it?
  • SAMA requires cryptographic asset identification by the end of 2026. What does discovery typically surface that standard application and infrastructure inventories miss?
  • Priority assets must be assessed for third-party dependencies. Where are the hardest: certificates, security modules, core systems, payment rails or vendor software?
  • Quantum risk is now a standing Board Risk Committee item. What must the board understand beyond a count of vulnerable assets?

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 Run Agents at Scale?

Sovereign Cloud, Arabic AI and the Execution Platform. Legacy cores and human approval chains were not designed for agents acting across several systems. Agents need controlled access to data, dependable tools, monitoring and a way to recover when something fails halfway. Saudi rules on where data and systems live shape every option, and national AI infrastructure adds new ones. The question is what an execution platform looks like, and how it stays sovereign.
  • SAMA expects in-Kingdom hosting and prior approval for cloud. What can the bank's AI architecture deliver within those limits, and what must change?
  • HUMAIN is building national compute and Arabic-language models. Which Arabic banking tasks should decide the choice between sovereign and global models?
  • An agent can fail halfway through a transaction. How does the bank trace, reverse or complete an action that crossed several systems?
  • Islamic banking requires accountable interpretation of every product. Where should Sharia review enter an agent's design, testing and later changes?

1135 - 1150

How We Solved...

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

1150 - 1215

Prayer Break

1215 - 1230

How We Solved...

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

1230 - 1300

When the Customer Has the AI

APIs, Delegated Consent and Banking Beyond the Bank's Own App. Banking has always relied on a quiet advantage: customers rarely move. Deposits stay because switching takes effort. AI agents acting for customers could remove that effort, and in a young, mobile-first market the change may come quickly. This discussion looks at how banks compete for customers whose software does the choosing, and what experience still decides.
  • AI agents can compare rates and move balances on logic rather than loyalty. What happens to the relationship when switching friction collapses?
  • A customer's agent will call the bank's services directly. Which capabilities must be available outside the bank's own app, and at what speed?
  • Arabic-first conversational banking is now possible at scale. What should a customer be able to do simply by asking the bank?
  • Banking is moving into checkout, booking and super-app journeys. Which service must stay bank-owned when the interface belongs to someone else?

1300 - 1315

How We Solved...

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

1315 - 1345

Who Owns the Payment Now?

Open Banking, Embedded Finance and the Agent-Ready Payments Stack. Saudi payments have become open infrastructure. Real-time rails, licensed third parties and embedded finance mean the bank no longer controls the route a payment takes. The revenue that came with that control is under pressure. The closing panel asks where banks earn next, and how they prepare for payments started by software, not people.
  • Electronic transactions reached 14.6 billion in 2025 and Sarie settles in real time. Where does the bank's payment revenue sit when the rails are open?
  • Open banking has licensed account-information providers and is preparing payment initiation. What must the bank's APIs and consent services support as each arrives?
  • Embedded finance puts the bank behind another brand's interface. Which services keep it from becoming an interchangeable utility in the payment journey?
  • An agent may initiate payment for a customer. Who verifies its delegated authority, confirms consent and carries liability if execution fails?

1345 - 1350

The Room Speaks: Closing Pulse

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

1350 - 1355

Closing Remarks and End of Summit

1355 - 1440

VIP Networking Lunch

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THE INDUSTRY'S TOP VOICES

Series Speakers

Nada Al Jeffri
Chief Risk Officer
Standard Chartered Bank
Ayman AlHabib
Chief Risk Officer
D360 Bank
Faisal Al-Ghefari
Chief Compliance Officer
Bank of China KSA
Rami Al-Kilani
CTO
Safwa Islamic Bank
Mike Cunningham
Chief Strategy & Transformation Officer
Dukhan Bank
Kate Yurechka
Executive VP, Head of Digital
The Saudi Investment Bank
Amit Malhotra
Global Head of Retail Banking
ADIB
Abdullah Alwabel
VP, Digital & Innovation
BSF
Wajid Unar
Head of Digital Banking, Platforms & Integrations
Qatar Islamic Bank
Prasad IVS
Head of Transaction Banking
Commercial Bank of Qatar
Rizny Ismail
Head of Cards Business
Qatar Islamic Bank
Aamir Jaffar
GM, Customer Value Management
SAB
Hussam Alkokhon
VP, Trade Finance Operations
Doha Bank
Talha Bin Hafeez
Director of Innovation
Saudi Credit Bureau (SIMAH)
Sarah Asiri
Head of Security Governance & Architecture
SAB
Ali Saleh
Head of Customer Experience
Gulf International Bank
Tamer Yousry Therwat
Head of Governance & Architecture
Qatar Development Bank
Fares Al Omari
SVP, Risk Management
Riyad Bank
Archana Shetty
VP - IT Projects
QNB Group
Ibraheem Alsaab
AVP, Innovation
The Saudi Investment Bank

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