Tanzania Edition

2 Feb 2027, Dar es Salaam

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10DX Summit Tanzania Edition

Tanzania's banks are growing faster than the systems they run on. Credit is expanding at more than 20 percent a year, deposits and digital transactions are rising with it, and Bank of Tanzania is raising the bar on cloud, cyber security and board oversight of technology. Most of that growth sits on core platforms sized for a branch-led bank. At the same time, customers who learned finance on a mobile wallet now expect the same speed from their bank, whether in an app, at an agent or in a USSD menu in Kiswahili.

10DX Tanzania brings together the technology, digital, transformation, data, customer experience and cyber leaders of the country's commercial and community banks. Across five sessions, the programme examines whether the core platform can carry the growth, how the bank holds one customer across app, USSD, agent and branch, what the payments platform must do beyond moving money, how ready the bank is for a bad day, and which Kiswahili-language AI workloads can reach production first. It is built for established banks moving from digital to intelligent, at a pace the market can sustain.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
30+
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

Winning in a Mobile-Money-First Market
2 FEBRUARY 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Can the Platform Carry the Growth?

Core Modernisation, Real-Time Rails and the Architecture of Growth. Tanzanian banking is growing faster than the systems underneath it. Deposits, loans and digital transactions are all expanding at double-digit rates, while customers expect every channel to work at every hour. Much of the technology in use was sized for a branch-led bank. This session examines what must be rebuilt, in what order, and how to do it without interrupting service.
  • TIPS volumes grew 42 percent to 644 million transactions in 2025. What must the core deliver when instant, always-on payments become the default?
  • Cores built for branches now serve agents, apps, USSD and TIPS all day. Where should modernisation start when nothing can be switched off?
  • Modern cores expose data and events that legacy systems hide. Which early uses of analytics and AI should shape the modernisation roadmap now?
  • ISO 20022 is live in TISS and Tanzania QR is spreading. Where is richer payment data lost between rail, core and customer record?

0935 - 0950

How We Solved...

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

0950 - 1020

Whose Customer Is the Wallet?

One Customer Across App, USSD, Agent and Branch. For most Tanzanians, the first financial relationship is with a mobile wallet, not a bank. Banks reach the same customers through agents, USSD menus and apps, often with a different experience on each. As instant transfers erase the cost of switching, service becomes the reason to stay. The discussion turns on how banks design experiences that earn the primary relationship.
  • Tanzania has 75.8 million active mobile money accounts and two million agents. Where does the bank become the customer's first screen?
  • A Kariakoo trader may use several payment providers in a day. What could the bank's own data tell it about that customer's needs?
  • Most customers meet the bank through an agent or USSD menu, in Kiswahili. How does the bank deliver one experience across every channel?
  • Branches and 187,000 bank agents remain central to account opening and service. How should an established bank redesign those journeys digitally?

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

When Payments Are Nearly Free, What Pays?

TIPS, Tanzania QR and the Bank's Payments Platform. Bank of Tanzania has spent three years making digital payments cheaper, faster and interoperable. That has been good for customers and for the cash-lite economy, and hard on the fee lines that once funded bank channels. The rails are now shared infrastructure. The panel asks where banks create and capture value when moving money is no longer the product.
  • Transfer fees face regulatory caps, while merchants cannot surcharge card payments. What must the payments platform do beyond moving the money?
  • Interoperable merchant payments reached 86 million, with half of banks on Tanzania QR. What makes a merchant choose the bank over the wallet?
  • Every instant payment leaves a record of who paid whom and when. How does the bank turn that data into insight and service?
  • Corporate and SME clients want collections, payroll and supplier payments in one place. What must the bank's payments platform offer business customers?

1135 - 1150

How We Solved...

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

1150 - 1220

Is the Bank Ready for the Bad Day?

Cyber Resilience, Third-Party Risk and Operational Trust. Every new channel a Tanzanian bank opens is also a new way in. Mobile apps, USSD, agents and partner connections have widened the attack surface faster than security teams have grown. The regulator is moving cyber from the IT department to the boardroom. Readiness is tested before and during the day something goes wrong, and this panel asks what it takes.
  • The draft 2026 Cybersecurity Guidelines make cyber a board duty, with a mandatory CISO and committee. What changes in how the bank runs?
  • Multi-factor authentication and annual penetration testing would become minimum standards. Where are the hardest gaps across mobile, USSD and agent channels?
  • Attackers already use AI to write phishing and probe systems. Where can the bank use AI in monitoring and response without adding risk?
  • Draft governance rules add cybersecurity and ICT to the expertise expected of bank directors. What should a technology leader bring to the board?

1220 - 1235

How We Solved...

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

1235 - 1305

Kiswahili Service, Smarter Operations

Local-Language AI, Operations and the First Production Use Cases. Tanzanian banks are choosing their first serious AI use cases. Kiswahili service, document handling and staff assistance each need different foundations: clean records, clear permissions and somewhere compliant to run. The useful programme starts with a defined task and local evidence. This closing panel asks which work is worth automating first, and how a bank proves the improvement.
  • Customers are served in Kiswahili through USSD, agents and call centres. Which service tasks should AI take on first, and who signs off?
  • A Kiswahili request mixes banking terms and everyday speech. Which local tests show that an assistant helps customers rather than confusing them?
  • The 2025 Cloud Computing Guidelines require Bank of Tanzania approval and keep critical systems onshore. Where can the bank's AI actually run?
  • Skills, data and infrastructure are all limited. Which AI workload could the bank credibly put into production with what it has today?

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

Zahid Mustafa
Managing Director & CEO
I&M Bank Tanzania
Emmanuel Mwinuka
Chief Information Officer
Absa Bank Tanzania
Gustav Mphusu
CISO
Bank of Africa Tanzania
Catherine Rutenge
Head of Digital Banking
CRDB Bank
Ulrik Tobias Peter
Head of Digital
NBC Limited
Adam Emmanuel
Head Digital & Transactional Banking
UBA Tanzania
Edward Balandya
Head, Digital & eCommerce
Stanbic Bank Tanzania
Abas Mkonda
Head of Retail Banking
UBA Tanzania
Asupya Nalingigwa
Head of Retail
BOA Tanzania
Deepali Ramaiya
Head of Retail Banking
I&M Bank Tanzania
Lazaro Kabyemera
Head of Cybersecurity
CRDB Bank Ltd
Haidari Ally Chamshama
Head of Payments
Equity Bank Tanzania
Silas Matoi
Head of Digital Transformation
EXIM Bank
Aboud Mohamed
Head, Digital Product
Citi Tanzania
Amiri Mziray
Head of ICT
I&M Bank Tanzania
Alex Mpunga
Head of ICT
Akiba Commercial Bank

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