2026 Agenda

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Recapitalisation to Resilience: Where Nigerian Banking Goes Next

The recapitalisation deadline closed in March. The core migration cycle is mostly behind the sector. ₦4.65 trillion has been raised. National Payment Stack is live and ISO 20022 messaging is in production. The CBN's automated AML mandate has reset the compliance bar. For the technology and digital leadership of every Nigerian bank, the question is no longer how to survive the modernisation cycle — it is what the stack now actually has to deliver.

Recapitalisation closed in March with consolidation still working through. What does that mean for every bank's technology investment thesis now?
Half the sector executed core migrations under deadline pressure. Where is the technical debt the bank now has to pay down?
Fourteen regulatory mandates have landed on the same legacy stack. What does the architectural pattern actually look like to absorb them?
The CBN has positioned AI and automation as the next operational layer. What does intelligent banking in Nigeria actually look like from here?

0935 - 0950

How We Solved...

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

0950 - 1020

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?

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 Fourteen Mandates Land on One Stack

The CBN's automated AML mandate of March 2026 is the most urgent of fourteen regulatory pressures now sitting on the same legacy core. DMBs have until September 2027 to be fully compliant. Open banking, ISO 20022, NDPR, and APP fraud reimbursement are all running on parallel deadlines. The recapitalisation cycle has just absorbed most of the available capital. Banks are deciding what can be layered, what must be rebuilt, and where partnerships are the only realistic path forward.

The CBN's automated AML mandate requires real-time monitoring on a unified customer view. Where is the bank's data and detection architecture genuinely ready?
AI and ML model governance is now a regulatory requirement under the AML mandate. What does the bank's model risk function actually look like in production?
Open banking will reshape who owns the customer relationship. What does the bank's API architecture need to enable to retain that position?
ISO 20022 is in production on the National Payment Stack. Where is the bank's messaging and reconciliation infrastructure genuinely operational?

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 in practice?
New payments infrastructure is arriving on platforms that have just stabilised. What does the bank's integration sequencing actually look like?

1220 - 1235

How We Solved...

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

1235 - 1305

Reliability as the Customer Relationship: When Uptime Becomes the Product

The Nigerian mass market has stopped choosing banks on brand. The cash crisis showed which platforms could absorb load and which could not. By 2026 the customer relationship runs through the app, and the app runs on infrastructure the bank only partly owns. The engineering investment that keeps the bank in front of the fintechs is now the same investment that keeps customers from leaving quietly.

Transaction success rate has replaced brand as the primary retention driver. What does the bank measure now that it didn't measure two years ago?
Onboarding and checkout friction is now measurable as lifetime value loss. Where is the bank's customer journey actually failing in production?
When NIBSS or switching infrastructure fails, every bank fails together. What can the bank actually control as a competitive position?
The bank's app is increasingly the customer relationship. What does the engineering investment look like to keep it ahead of the fintechs?

1305 - 1320

How We Solved...

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

1320 - 1350

When Build-Versus-Buy Becomes an Architecture Decision

Nigerian banks are now operating increasingly complex infrastructure with limited engineering depth and rising operational pressure. Compensation for critical security and AI roles runs 40-60% above standard. Fintechs and dollar-paid remote roles continue pulling talent out. AI agents, managed services, and shared operations are becoming structural operating-model decisions rather than tactical hires. Boards want transformation and tighter cost ratios at the same time. The question is no longer what the bank can build internally — it is what the bank should still be building at all.

AI agents and copilots are moving into bank operations. Which functions are Nigerian banks now comfortable automating in production?
Critical security and AI roles run 40-60% above standard rates. What does the bank's realistic build-versus-buy boundary look like?
Managed services and shared operations are being discussed as cost solutions. Which capability gaps can they realistically fill at Nigerian bank scale?
Fintechs and dollar-paid remote roles are pulling talent out. What does the bank's operating model need to deliver to compete?

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

Event in Numbers

Who Attends

Why Attend

2026 Agenda

Past Speakers

Join the Industry Leaders

Become a Sponsor