2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Digitisation to Intelligence: Where Kazakh Banking Goes Next

Kazakhstan didn't debate intelligent banking. Kaspi shipped it and 65% of the country signed up. The Banking Law has codified the regulatory direction. Halyk has followed the playbook at scale. For every other bank in the room, the question isn't what intelligent banking looks like — that's settled. The question is what comes next when the dominant model is already running at national scale.

The Banking Law has set the regulatory direction. Where is the bank's operating model most exposed to the changes landing inside the planning cycle?
Two banks hold nearly half of all deposits. For everyone else, which architectural decisions taken now keep a mid-tier bank acquirable, partnerable, or independent later?
Engineering talent is being absorbed by Kaspi, Halyk, and the regional ecosystems. What is the realistic operating model for everyone else right now?
Kaspi set the bar a decade ago. For a CIO arriving today, which architectural decisions still create real distance, and which just maintain parity?

0935 - 0950

How We Solved...

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

0950 - 1020

Kaspi and After: The Stack Decisions Behind Staying Relevant

Kaspi.kz is used by 65% of Kazakhstan's population. Its monthly active user base approaches the size of the national adult population. The payments infrastructure, the QR standard, the e-commerce marketplace, the government services portal — much of it flows through a single ecosystem. For every other bank, the strategic question is no longer how to compete with Kaspi. It is how to remain relevant.

As Kaspi absorbs more daily categories, where is the digital banking team's investment actually landing inside the bank?
A tier-two bank cannot out-build Kaspi on engineering scale. What is the credible build, buy, and partner mix at the bank's actual size?
A non-super-app product strategy still requires real-time data, AI-driven personalisation, and modern rails. Where is the bank's sequencing today?
Open banking goes mandatory inside the planning cycle. What needs to be production-ready inside the bank before the rules land?

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 Under Pressure: Kazakhstan's Consumer Lending Boom and the Reckoning Ahead

Consumer lending grew 21% in 2025 — a slowdown from 33% the year prior, but still fast enough to attract regulatory attention. The new Banking Law mandates biometric identification for all new digital loan applications. Prudential requirements are tightening. Banks built their 32.8% ROE largely on high-margin retail credit. The question now is what happens to profitability when the growth engine is deliberately throttled.

Biometric verification is mandatory for digital loan origination. What's actually working at scale today, and where are the drop-off rates highest?
Retail credit is slowing. Which segments is the digital lending team genuinely able to underwrite at scale to replace the volume?
AI-driven credit scoring is moving from pilot to production. What does the bank need underneath it for the model to actually be trustworthy?
Consumer portfolios built in the high-rate cycle are now under stress. What is the bank shipping to manage that exposure right now?

1135 - 1150

How We Solved...

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

1150 - 1220

The Payments Battleground: QR, Instant Transfers, Open Banking and Who Wins the Transaction Layer

Kazakhstan processed 2.1 billion QR transactions in the first eight months of 2024 alone. The National Bank's Instant Payment System created the infrastructure for real-time account-to-account transfers across all banks. Yet Kaspi's proprietary QR and wallet still dominates daily consumer payments. As QR interoperability becomes the standard, the competitive advantage built on closed payment loops begins to erode — and the question becomes what replaces it.

Unified QR is live. Where in the bank's payments stack is the rebuild actually happening, and what's the sequence?
Instant A2A is compressing interchange. What is the digital banking team shipping inside the app to replace the lost margin?
Interoperability shifts the battle to merchant services. Where is the bank actually winning merchant share, and where is it losing ground?
BNPL is increasingly the bank's competitor at checkout. Where does the bank fight back inside the payment moment itself?

1220 - 1235

How We Solved...

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

1235 - 1305

Data as the Differentiator: Turning Kazakhstan's Transaction Volume into Competitive Intelligence

Nearly 90% of transactions in Kazakhstan are digital. The data exists — but most banks still struggle to turn it into usable intelligence. Open banking is approaching mandatory adoption, which means customer data will flow between institutions whether banks are ready or not. The banks that get their data architecture right first will own the intelligence layer. The rest will become infrastructure for someone else's customer relationship.

Kaspi and Halyk already have the data architecture to absorb open banking. For everyone else, what's the realistic first move that closes the gap?
Account aggregation will surface every bank's data inside competing apps. What is the bank's actual defence in product, pricing, and servicing?
The NBK Anti-Fraud Center exposes shared intelligence via API. What does the bank's data architecture need to absorb that signal at machine speed?
Most banks still run fragmented data infrastructure. What gets consolidated first, and what's the realistic timeline to a single customer view?

1305 - 1320

How We Solved...

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

1320 - 1350

Cybersecurity and Fraud in Kazakhstan's Digital Banking Era

Kazakhstan now operates national fraud-intelligence sharing infrastructure that most markets don't have. The NBK Anti-Fraud Center blocked 1.5 billion fraudulent transactions in its first year through real-time intelligence across institutions. That's a competitive advantage at the system level — but the integration work inside each bank is where the value either lands or doesn't. SIM swap, social engineering, and insider fraud still dominate the loss profile.

The NBK Anti-Fraud Center signal is now exposed in real time. What does the bank need internally to make it actionable rather than informational?
SIM swap and social engineering still dominate the loss profile. What authentication and behavioural controls are genuinely closing the gap at scale?
Instant payment fraud moves in seconds. Where is the bank's investment actually landing — prevention, detection, response, or recovery?
Open banking expands the attack surface. What does the bank's third-party risk and consent architecture need to be production-ready for?

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

1400 - 1445

VIP Networking Lunch

Kazakhstan Edition

3 September 2026, Almaty

10DX Summit Kazakhstan Edition

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