Philippines Edition

23 February 2027, Manila

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BY INVITATION ONLY

10DX Summit Philippines Edition

Philippine banks have spent a decade going digital, and the market has moved faster than their systems. The Bangko Sentral ng Pilipinas has licensed seven digital banks, made InstaPay and QR Ph everyday rails, and set out principles for how banks should govern AI. Salaries that once sat in a bank's payroll account now leave for a wallet or a rival within minutes. Small business customers generate rich payment data that banks rarely use. And every bank is judged on whether its service holds across thousands of islands.

10DX Philippines brings together the technology, digital, transformation, data and customer experience leaders of the country's universal, commercial, thrift and rural banks, alongside their digital-only peers. Across five sessions, the programme examines who answers for AI once it is in production, what real-time data and journey orchestration it takes to keep the payday account, how payment architecture and merchant data become business banking, how the core holds up across the archipelago, and which technology investments actually pay. It is an agenda for rebuilding the bank behind the experience: more intelligent, more reliable and more profitable.

WHAT TO EXPECT

Event in Numbers

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

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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 Digital Adoption to Intelligent Returns
23 FEBRUARY 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Who Answers for the Algorithm?

AI Agents, the BSP Governance Principles and the Accountable Bank. AI is already inside Philippine banks, in service, credit, collections and compliance. The central bank has chosen to guide rather than prescribe, which leaves each institution to decide how much autonomy it is comfortable with. That freedom carries its own risk. The opening panel asks how banks set accountability for models and agents before a regulator or an incident sets it for them.
  • BSP's June 2026 AI principles keep humans accountable for decisions. Where can a model act alone, and where must a banker sign?
  • The principles are voluntary and a model risk framework is still to come. How far ahead of the rule should the bank build?
  • Vendors and outsourced providers sit under a shared-responsibility model. Who answers when a third-party model makes a decision in the bank's name?
  • BSP warns that unchecked models can exclude customers through bias. How does the bank monitor a model once it is in production?

0935 - 0950

How We Solved...

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

0950 - 1020

Who Owns Payday?

Real-Time Data, Journey Orchestration and the Primary Banking Relationship. The salary account used to guarantee the relationship. Today a Filipino customer can be paid into one bank and have the money working in a wallet or a digital bank within minutes. Deposits follow convenience and yield. This session examines how banks use experience, data and personalisation to remain the account customers actually live in.
  • InstaPay Cash-In lets customers pull balances into another app in seconds. What keeps the payroll account primary after the fifteenth and thirtieth?
  • A seventh digital bank was licensed in July 2026, with three applications pending. Which journeys must an incumbent rebuild rather than reskin?
  • A bank sees every salary credit and where the money goes next. How can data and AI personalise offers before the balance leaves?
  • BSP has proposed mandatory National ID authentication at onboarding. How does instant, low-cost verification change the journeys the bank can offer customers?

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

From Paleng-QR to Better Business Banking

Payment Architecture, Merchant Data and Banking for Small Business. Micro, small and medium enterprises are more than 99 percent of Philippine businesses, and millions now leave a digital record of what they sell every day. QR acceptance is only the start of the merchant's working day; the trader still needs records, collections and help when a payment does not reconcile. The panel looks at how banks turn payment data into services a business will keep.
  • QR Ph volumes grew fourteenfold to 2.47 billion transactions in 2025. How does a vendor's QR history become a business banking relationship?
  • InstaPay for Business and Direct Debit PH launched in July 2026. Which supplier, payroll and collection journeys should the bank redesign first?
  • A market vendor needs clean records when a payment fails to reconcile. What must the bank's payment and data systems capture to help?
  • A provincial business combines cash, assisted service and digital receipts. How should branches, agents and platforms share one customer record and support?

1135 - 1150

How We Solved...

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

1150 - 1220

Can the Bank Serve the Whole Archipelago?

Core Modernisation, Resilience and Always-On Service. A journey that works in Manila is not yet a nationwide service. Real-time payments now run around the clock across thousands of islands, on connectivity and power that vary widely. Customers judge the bank by whether the transaction completes. The question is how banks modernise the core and design for failure, so that service holds wherever the customer is.
  • InstaPay, QR Ph and Direct Debit run around the clock. What must the core and data layer deliver when no quiet hour remains?
  • Each new payment service adds a provider to the chain. Which dependencies should be standardised and tested before the next one goes live?
  • Storms and outages are a planning assumption across the islands. What fallback keeps a provincial customer transacting when connectivity or power fails?
  • Monitoring data can show a failure forming before customers feel it. Where can AI predict and prevent outages across branches, ATMs and channels?

1220 - 1235

How We Solved...

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

1235 - 1305

Does Digital Pay Yet?

AI, Automation, Technical Debt and the Economics of the Intelligent Bank. A decade of digital investment has given Philippine banks millions of new users and a heavier technology bill. Growth in customers has not always meant growth in profit. Boards now want evidence that the next round of spending will pay. The closing panel weighs the intelligence, scale and measures that turn digital reach into sustainable returns.
  • Digital banks served over 25 million depositors by March 2026, yet most still lose money. What should established banks learn from that?
  • Banks now run old and new technology stacks side by side. What should technology leaders consolidate, retire or stop funding first?
  • An assistant can cut handling time and still raise repeat contacts. Which measures show that the completed service has actually improved?
  • Boards still count downloads and transactions. Which metrics should define success across customer experience, operating cost and returns on technology?

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

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