Nigeria Edition

5 May 2027, Lagos

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BY INVITATION ONLY

10DX Summit Nigeria Edition

Nigerian banks have come through the most demanding modernisation cycle in a generation. Thirty-three banks met the recapitalisation deadline, the sector went through a wave of major core migrations, and operations stabilised. Then the rules moved again. Payments System Vision 2028 sets demanding reliability benchmarks, the National Payment Stack is replacing a fifteen-year-old rail, payment data has had to sit onshore since January 2027, and automated anti-money-laundering systems, with governed AI, are due by September. Meanwhile fintech wallets and terminals have become a major part of the everyday payment relationship.

10DX Nigeria brings together the technology, digital, transformation, data, customer experience and cyber leaders of Nigeria's banks. Across five sessions, the programme examines what it takes to win back the everyday transfer, how the National Payment Stack and bank systems meet the new reliability benchmarks, what the move of data onshore changed, what the first AI the examiner will test teaches about production AI, and how cyber and fraud controls act in real time. It is an agenda for established banks turning new rails, rules and data into a more intelligent bank.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
15+
Sponsors
10+

JOIN YOUR PEERS

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

New Rails, New Rules, Smarter Banking
5 MAY 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Who Owns the Transfer?

Reliability, Customer Data and Winning Back the Everyday Relationship. In Nigeria the everyday payment is a transfer, and for millions of customers it now leaves from a fintech wallet or lands on a fintech terminal. Those platforms won their place when bank channels failed under load. Banks still hold the salary, the savings and the history. The opening panel asks what technology and digital leaders must rebuild to win the daily relationship back.
  • Two fintech wallets together serve about 85 million users. What must the bank's own channels do reliably to be chosen first?
  • Four major banks processed about ₦570 trillion electronically in 2025. How does that transaction history become service a customer actually notices?
  • Customers split their money between a bank account and a wallet. What does the bank need to know, in real time, to respond?
  • Fintechs built on bank licences and bank rails. Which capabilities should an incumbent expose to partners, and which must it keep for itself?

0935 - 0950

How We Solved...

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

0950 - 1020

Debited but Not Credited

The National Payment Stack, ISO 20022 and Engineering Near-Zero Failed Transactions. Every Nigerian knows the phrase. A failed transfer is the moment a customer decides which institution to trust. Payments System Vision 2028 sets demanding benchmarks, including 99.999 percent uptime and a transaction success rate of about 95 percent, while the industry moves from a fifteen-year-old instant payment rail to the National Payment Stack. This session examines what bank systems must do to meet that bar.
  • Payments System Vision 2028 targets 99.999 percent uptime and about 95 percent transaction success. Where between app, core and switch is reliability lost?
  • The National Payment Stack will replace the instant payment rail banks have used for fifteen years. What must be rebuilt before cut-over?
  • Several core migrations ended in weeks of disruption. Is the middleware holding the bank together a bridge or the real architecture?
  • ISO 20022 messages carry far richer data than the old rail. How does the bank use it for reconciliation, reversals and customer service?

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

Where Does Nigerian Data Live Now?

Onshore Cloud, Data Architecture and the Real Cost of Sovereignty. Since 1 January 2027, payment transaction data generated in Nigeria must be stored and managed in Nigeria. For banks that relied on offshore infrastructure for parts of their payment data, that meant rethinking where data and workloads are hosted, processed and recovered. Months on, the panel asks what the move really changed, and what it has made possible.
  • The localisation rule took effect on 1 January 2027. What did the move onshore break, cost and improve in the bank's architecture?
  • The rule covers payment transaction data, not every dataset. How should the bank decide what stays onshore, offshore or in both places?
  • Local hosting changes the economics of power, capacity and resilience. How does the bank achieve scale without recreating infrastructure inefficiency?
  • Localisation, automated AML, payments reporting and AI all draw on the same data. How many copies of the truth is the bank maintaining?

1135 - 1150

How We Solved...

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

1150 - 1220

The First AI the Examiner Will Test

Automated AML, Model Governance and Moving AI from Pilot to Production. Nigerian banks must run automated anti-money-laundering systems that meet the CBN's Baseline Standards by 10 September 2027. Where those systems use AI, the Standards require human oversight, explainability, yearly independent validation and alignment with ISO 42001. It is one of the clearest regulatory tests yet of production AI inside a Nigerian bank. The panel asks what that discipline teaches about production AI everywhere else.
  • The CBN's Baseline Standards bind banks from 10 September 2027. What must model inventory, validation and audit trails look like by then?
  • Machines may close low-risk alerts only within limits a board has approved. Where else in the bank should that model of authority apply?
  • Monitoring without a link to customer records will not be treated as compliant. What must the bank fix in its data?
  • Most AI in Nigerian banks still recommends rather than acts. Which service and operations work is ready to move from pilot to production?

1220 - 1235

How We Solved...

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

1235 - 1305

Who Pays When the Customer Is Duped?

Cyber Resilience, Shared Fraud Intelligence and Controls That Act in Real Time. Social engineering and insider abuse now lead the techniques used against Nigerian bank customers. Draft CBN guidelines would set tight investigation and reimbursement timelines for authorised push payment fraud, and a shared industry intelligence layer is taking shape. Attackers are using AI to impersonate voices and write messages. The closing panel asks how security and technology teams act at the speed the attackers do.
  • Draft CBN guidelines would have banks reimburse victims of authorised push payment fraud. What must happen in the seconds before a transfer leaves?
  • The industry is building shared, real-time fraud intelligence across institutions. What must a bank's detection systems send, receive and act on?
  • Point-of-sale terminals must now be geo-tagged and geo-fenced. How does location data change what the bank can detect and block?
  • The CBN's cyber self-assessment covers third-party risk and operational resilience. Which provider failure should the bank rehearse for before it happens?

1305 - 1320

How We Solved...

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

1320 - 1325

The Room Speaks: Closing Pulse

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

1325 - 1330

Closing Remarks and End of Summit

1330 - 1415

VIP Networking Lunch

THE INDUSTRY'S TOP VOICES

Series Speakers

Shina Atilola
Executive Director
Premium Trust Bank
Henry Obiekea
Managing Director
FairMoney Nigeria
Tella Fatai
Chief Operating Officer
The Alternative Bank
Peter Daniels
CTO, Digital Factory
First Bank of Nigeria
Adewale Salami
Country Head, Technology & Operations
First Bank of Nigeria
Echezona Aguabata
Chief Technology Officer
Coronation Merchant Bank
Olusesan Ajayi
Chief Risk Officer
Keystone Bank
Chai Gang
Deputy Director, Payment System Policy
Central Bank of Nigeria
Ebenezer Akinyemi
Chief Digital Officer
Abbey Mortgage Bank
Olusegun Adeniyi
Chief Digital Officer
Wema Bank
Ibukunoluwa Ayodeji
Chief Information Officer
Optimus Bank
Gbenga Gbemileke
Chief Information Officer
Tatum Bank
Ighoakpo Eduje
CISO
Greenwich Merchant Bank
Frances Undelikwo
CISO/DPO
NOVA Bank
Bharat Soni
Chief Information Security Officer
GTBank
Bukola Oluyadi
Group Head, CX & Sustainability
Polaris Bank
Lanre Oladimeji
GM & Group Head, Retail Banking
Zenith Bank
Olutoyin Ogunmola
Head Data & Analytics
Stanbic IBTC
Emmanuel Aihevba
Head of Personal Banking
Stanbic IBTC
Olamide Jolaoso
Head of Data Analytics & AI
Wema Bank

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