2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Recapitalisation to Data Sovereignty: Where Nigerian Banking Goes Next

The recapitalisation deadline closed with ₦4.65 trillion raised. The breathing room lasted three weeks. On 1 June the CBN launched PSV 2028 — 99.999% uptime, 95% inclusion, full interoperability — and two weeks later issued a data localisation directive putting every bank on a January 2027 deadline to move payment data onshore. The stack that just survived migration now faces a regulatory agenda that assumes it already works. The question is what has to be built, and with what capital.

The recapitalisation cycle absorbed most available investment capital. Where does the bank find the budget to localise data infrastructure by January?
PSV 2028 sets 99.999% uptime as a binding target. What does the bank's resilience architecture actually have to deliver against that?
Data localisation and AML automation deadlines land months apart. How does the bank sequence two infrastructure-level rebuilds on a depleted budget?
PSV 2028 frames Nigeria as a regional payments hub. What does that cross-border ambition require from the bank's architecture today?

0935 - 0950

How We Solved...

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

0950 - 1020

From AI Pilots to Agentic Banking: Closing the Production Gap

Nigerian banks have piloted AI across fraud, compliance, servicing, and customer engagement, yet most deployments still stop at recommendation rather than execution. The challenge is no longer proving AI works, but deciding where software can safely act on behalf of customers and employees. Closing the production gap requires new decisions around architecture, orchestration, governance, and sourcing. Engineering constraints, data localisation, and regulatory expectations narrow the choices available.

AI can already answer customer questions. Which banking journeys are ready for AI to resolve end-to-end, not merely recommend, within real compliance boundaries?
Customer intent spans channels, products, operations, and risk. What architecture enables AI agents to orchestrate journeys safely without replacing the bank's core platforms?
Autonomous execution requires governance, explainability, and accountability. Where should Nigerian banks draw the line between AI judgement and human authority?
Data localisation and scarce AI talent are reshaping AI strategy. Which agentic capabilities should banks build themselves, and which are better delivered through specialist platforms?

1020 - 1035

How We Solved...

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

1035 - 1040

The Room Speaks: Morning Pulse

A live audience pulse check capturing the priorities, pressures, and challenges shaping banking transformation today.

1040 - 1105

Networking Break

1105 - 1135

Engineering Compliance When Fifteen Mandates Land on One Stack

The CBN's data localisation directive gave the sector six months. By January 2027 every bank and payment provider must store transaction data on Nigerian servers — and most of that data currently sits offshore. The directive arrived on a compressed compliance calendar: automated AML by September 2027, ISO 20022 in production, open banking and APP fraud reimbursement on parallel deadlines. The question is no longer which mandate to prioritise — it is how to re-architect once for all of them.

Most Nigerian payment data sits on offshore cloud servers. What does the bank's migration path to onshore infrastructure actually look like?
The AML mandate requires real-time monitoring on unified data. How does the bank build that while migrating the data layer underneath?
Market concentration caps restrict dual dominance in issuing and acquiring. What does that mean for the bank's payments positioning?
Beneficial ownership disclosure now applies across the full payments chain. Where is the bank's governance infrastructure genuinely ready?

1135 - 1150

How We Solved...

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

1150 - 1220

Core Banking Migrations: What the Sector Learned the Hard Way

The migration cycle is mostly behind the sector. Some banks executed cleanly. Others experienced multi-week outages, stalled digital revenues, and customer attrition that's still being measured. ISO 20022 and the National Payment Stack are now arriving on platforms that have just stabilised. The question is no longer how to migrate — it's how to operate the new stack while paying down the technical debt the migration left behind.

The migration cycle is mostly complete. Where is the bank now operating cleanly, and where is remediation still running?
Middleware is now load-bearing for many migrated banks. Is that a bridge strategy or the architecture the bank actually runs on?
Customer attrition during migration is now measurable. What does the bank's retention and reactivation playbook look like?
New payments infrastructure is arriving on platforms that have just stabilised. What does the bank's integration sequencing look like?

1220 - 1235

How We Solved...

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

1235 - 1305

The PSV 2028 Stack: When the Regulator Sets the Uptime Target

Nigerian banking stopped choosing winners on brand the day the cash crisis exposed which platforms could absorb load. PSV 2028 formalises that reality — 99.999% uptime, 95% financial inclusion, full interoperability, and 10 million QR-enabled payment points reaching markets, transport hubs, and rural communities the bank has never served. The National Anti-Fraud Consortium adds a shared intelligence layer the ecosystem has never operated. The infrastructure that kept the bank competitive is now the infrastructure the regulator will measure.

PSV 2028 sets 99.999% uptime as a regulatory benchmark. What does the bank's infrastructure need to deliver against that target?
The inclusion target jumps to 95% from 74% today. How does the bank extend distribution into communities it has never reached?
A National Anti-Fraud Consortium will share intelligence across institutions. How does the bank prepare its detection architecture?
Cross-border settlement and stablecoin regulation signal regional ambition. Where does the bank sit in pan-African payments?

1305 - 1320

How We Solved...

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

1320 - 1350

When Fraud Detection Moves Faster Than Fraud Teams

Nigerian banks lost ₦25.85 billion to fraud in 2025, down 51% from 2024 — but social engineering and insider abuse are now named by NIBSS as the dominant techniques. The CBN's APP fraud framework requires 16-day victim reimbursement and machine-speed prevention. Voice cloning, phishing-as-a-service, and AI-generated impersonation are arriving faster than manual controls. The challenge is acting at machine speed while justifying spend in board-level terms.

Web channels carry significantly more fraud volume than mobile. What does that say about where the bank's controls actually need to land?
NIBSS has named insider abuse as the most prevalent fraud technique. What controls are genuinely reducing exposure inside Nigerian banks now?
Voice cloning and AI-generated social engineering are outpacing manual review. Where is the bank's AI-driven detection actually in production?
Banks share switching, reconciliation, and dispute rails. Can the sector share fraud intelligence at machine speed without exposing competitive position?

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

Nigeria Edition

11 August 2026, Lagos

10DX Summit Nigeria Edition

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