BY INVITATION ONLY

10DX SUMMIT SOUTH AFRICA EDITION

The margin for error in South African banking technology has narrowed. Fraud is rising as attack methods scale, while regulatory pressure intensifies across cybersecurity, data protection, open banking, and licensing reform. At the same time, payment infrastructure is opening up, putting transaction revenue under pressure and lowering barriers for non-banks. Technology decisions now surface directly in P&L, customer retention, and regulatory exposure.

Boards expect results. AI-driven fraud detection, real-time compliance reporting, and resilient payment platforms are no longer optional. Yet many banks are delivering these outcomes on legacy cores never designed for real-time execution, under cost-to-income constraints that limit room for error. Skills shortages in cybersecurity, data, and cloud further tighten execution capacity.

The operational reality is unforgiving. Payments, switching, and settlement run on shared rails. When dependencies fail, reliability fails for everyone. Modernisation, compliance, and competitive response are all constrained by the same limited capacity, forcing hard choices on sequencing, architecture, and partnerships.

10DX Summit South Africa convenes senior banking leaders for focused, peer-level dialogue on these converging pressures — grounded in execution reality, not theory.

7 July 2026. Johannesburg.

2026 AGENDA

Sessions are designed for moderated dialogue between banking leaders and selected industry partners.

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

When Fraud Defense Operates at AI Speed but Investment Cycles Demand Proven ROI

Fraud losses are up 86%, driven by voice-cloned scams, phishing-as-a-service, and ransomware demands averaging R17 million. Yet most security budgets were approved for a very different threat landscape. With the Joint Standard’s 24-hour breach reporting rule, every incident now hits both P&L and compliance. Boards want proven ROI, but the threat environment is moving faster than investment cycles.

How do peers build business cases for cybersecurity investment when fraud losses hit earnings but prevention ROI is difficult to quantify?
Can banks and security providers collaborate on real-time threat intelligence sharing while maintaining competitive positioning?
Where can partnerships with telecommunications providers reduce SIM swap fraud when infrastructure sits outside banking control?
Which technology partnerships deliver both compliance requirements and measurable risk reduction?

0935 - 0950

Lightbulb Moments

0950 - 1020

Compliance Under Capacity Constraint: Six Regulatory Programmes Converging on Legacy Architecture

Regulatory pressure is stacking up. Basel output floors rise through 2028, the Cybersecurity Joint Standard is live, COFI will reshape licensing, open banking is coming, and POPIA breach notifications are up 40%. Each mandate assumes capacity and uptime many banks struggle to sustain. Legacy cores weren’t built for real-time reporting, forcing tough choices on sequencing, architecture, and where partnerships make sense.

Where can cloud-native compliance infrastructure accelerate regulatory delivery while reducing technical debt?
How do banks evaluate build versus partner decisions when regulatory timelines are fixed but internal capacity is constrained?
Can shared regulatory technology platforms reduce costs while maintaining competitive differentiation?
What breaks first when 78% of banks report data quality issues but regulatory reporting demands precision?

1020 - 1035

Lightbulb Moments

1035 - 1105

Networking Break

1105 - 1135

AI Deployment at Scale: From Pilot Success to Production Impact

Boards have approved AI investments above R20 million, and in some cases the results are real — one bank is avoiding R1.1 billion a year in fraud losses. Yet many pilots never scale. Budget constraints and skills shortages slow rollout, and legacy cores weren’t built for real-time inference. The issue isn’t proving AI works anymore, but getting it into production across the bank.

Which AI use cases have demonstrated measurable P&L impact and what made production deployment possible?
How do institutions build the infrastructure foundation needed to scale pilots when legacy systems create constraints?
Where can partnerships accelerate deployment when internal capacity or expertise creates bottlenecks?
What operational changes emerge when fraud detection AI increases alert volumes beyond current team capacity?

1135 - 1150

Lightbulb Moments

1150 - 1220

Defending Transaction Revenue in an Open-Settlement Environment

Digital-only banks are now profitable, with one player controlling 59% of instant payment volumes. SARB’s proposed opening of the National Payment System will give fintechs and mobile operators direct settlement access, while digital wallet transactions keep growing at triple-digit rates. As barriers fall, how banks respond to open settlement will determine who captures the next wave of payment revenue.

How can incumbent banks and technology partners collaborate to compete when challengers operate cloud-native cores at half the cost-to-income ratio?
Can banks defend payment revenue when non-banks gain equal regulatory access to clearing and settlement?
What technology partnerships strengthen customer relationships beyond switching friction as open settlement reduces barriers?
What is the institutional response when a competitor captures 9% of mortgage switching despite 2% market share?

1220 - 1235

Lightbulb Moments

1235 - 1305

The Talent and Budget Ceiling on Transformation

ICT specialists now account for 22% of critical skill shortages, double the level of two years ago, while cost-to-income ratios sit above target. Boards want clearer ROI on more than R60 billion in technology spend, yet budgets remain tight. At the same time, AI, security, and compliance all compete for the same scarce skills, forcing hard trade-offs across transformation priorities.

How do technology leaders justify compensation 40–60% above market when cost-to-income targets are binding?
Which technology investments actually generate measurable returns versus which are defensive and necessary but invisible?
Which transformation initiatives get deferred when the same specialists are needed for cybersecurity, compliance, and AI deployment simultaneously?
When GDP growth caps revenue expansion, how do institutions fund transformation without degrading current operations?

1305 - 1310

Closing Remarks

1310 - 1430

VIP Networking Lunch

SOUTH AFRICA EDITION

7 JULY 2026, JOHANNESBURG

10DX SUMMIT SOUTH AFRICA EDITION

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