Ricardo-Josè Vybiral
CEO, KSV1870
Ricardo-Josè Vybiral
CEO, KSV1870
Supported by:
CEO, KSV1870
CEO, KSV1870
CEO, BIK and ACCIS, President
CEO, BIK and ACCIS, President
Director General, ACCIS
Director General, ACCIS
Member of the board / CFO, Porsche Bank Group
Member of the board / CFO, Porsche Bank Group
EU Regulation 2016/679 – the GDPR – is 10 this year. A decade on, this panel takes the GDPR as its base, looks at the Digital Omnibus and Digital Fitness Check, zoning in on the proposed changes to the GDPR, and also inspects recent Court Cases concerning the crossover between data protection and credit scoring, which will form the background to a discussion between panellists on the governance, risk and compliance impacts of these changes.
LL.M., Founder, Knyrim Trieb Rechtsanwalte
LL.M., Founder, Knyrim Trieb Rechtsanwalte
Secretary General, Association of Austrian Leasing Companies
Secretary General, Association of Austrian Leasing Companies
CIPP/E, CIPM, Head of Legal KSV1870
CIPP/E, CIPM, Head of Legal KSV1870
Institutional & Regulatory Affairs Coordinator, FEBIS
Institutional & Regulatory Affairs Coordinator, FEBIS
Chief Policy Officer, ACCIS
Chief Policy Officer, ACCIS
Chief Economist, KPMG Austria
Chief Economist, KPMG Austria
This session will explore the practical ongoing use cases among credit information suppliers of AI; specifically, how AI when integrated into tools and practices has achieved efficiency gains. The session will also explore the challenges that have been overcome in implementation, as well as insights on ways forward.
Head of Innovation Lab, KSV1870 Group
Head of Innovation Lab, KSV1870 Group
Head of AI, KKB
Head of AI, KKB
Global Open Innovation and Ecosystem Lead, CRIF
Global Open Innovation and Ecosystem Lead, CRIF
President, ANBC and INDC
President, ANBC and INDC
MD, KKB and Board Director, ACCIS
MD, KKB and Board Director, ACCIS
With the Revised Consumer Credit Directive (CCD2) approaching in November, the landscape of lending is shifting fast. Transactional Data has moved from a nice-to-have innovation to a regulatory necessity. This session demonstrates the ‘Transactional Advantage’ — how real-time account data and advanced categorisation are moving from reactive detection to predictive growth, drawing on outcomes already delivered in the UK.
SVP Sales Open Finance, MasterCard
SVP Sales Open Finance, MasterCard
Chief Strategy & Innovation Officer, Equifax
Chief Strategy & Innovation Officer, Equifax
Director General, ACCIS
Director General, ACCIS
GM, KSV and Board Director, ACCIS
GM, KSV and Board Director, ACCIS
Director General, ACCIS
Director General, ACCIS
With the implementation of CRD VI, the financial sector must reconcile aggressive decarbonisation targets with the practicalities of lending. As the EU strategically alters its approach to energy price shocks and simplifies sustainability rules, credit information suppliers and financial institutions face a critical juncture. This high-impact workshop explores the commercial and technical realities of managing transition risk and transition planning.
Head of Sustainability & Open Banking products, Equifax
Head of Sustainability & Open Banking products, Equifax
CEO & Co-Founder, CienDos
CEO & Co-Founder, CienDos
The regulatory landscape governing data collection, storage and use is shifting faster than many organisations anticipated, with the GDPR under review in the Digital Omnibus. This session will examine the most consequential policy developments underway, and what they mean in practical terms for how credit information businesses operate and compete.
Deputy Head of Legal, KSV1870
Deputy Head of Legal, KSV1870
Senior Counsel, TransUnion
Senior Counsel, TransUnion
Data Protection Officer, Tiresias
Data Protection Officer, Tiresias
How transaction scoring can unlock new lending opportunities within three critical areas: thin-file populations where traditional credit histories provide limited insights, deposit portfolio cross-sell strategies where years of customer banking behavior remain underutilized, and SME credit assessment where personal and business financial behaviors intersect.
Sr Director Scores Credit Bureau Alliances, FICO
Sr Director Scores Credit Bureau Alliances, FICO
The EU AI Act, despite having recently entered into force, has already been subject to revision under the broader simplification agenda. This session will provide an overview of the current regulatory landscape, examine the compliance obligations firms are actively preparing for, and offer a forum for participants to share how they are developing governance frameworks.
Deputy Head of Legal, KSV1870
Deputy Head of Legal, KSV1870
CIO Group Functions, Group AI Officer (CAIO), Group Data and Analytics, Erste Group
CIO Group Functions, Group AI Officer (CAIO), Group Data and Analytics, Erste Group
Senior Group Supervisory Affairs and Regulatory Governance Manage, Raiffeisen Bank International
Senior Group Supervisory Affairs and Regulatory Governance Manage, Raiffeisen Bank International
General Counsel, TransUnion
General Counsel, TransUnion
AI Transformation, Data & Artificial Intelligence Division at Intesa Sanpaolo
AI Transformation, Data & Artificial Intelligence Division at Intesa Sanpaolo
Group Head of Regulatory Strategy, Enento
Group Head of Regulatory Strategy, Enento
As the financial landscape evolves, the industry is moving beyond traditional scoring methods toward revolutionary Transformer architectures. While these cutting-edge techniques are already driving results in less-regulated regions, bringing this level of innovation to the European market requires a sophisticated balance of global technology and local compliance precision. This presentation unveils how R&D breakthroughs and high-velocity data assets, such as open banking, are being harnessed to provide real, impactful insights
Director of Strategy Analytics, Equifax
Director of Strategy Analytics, Equifax
Analytics Director, Equifax
Analytics Director, Equifax
The EU AI Act, despite having recently entered into force, has already been subject to revision under the broader simplification agenda. This session will provide an overview of the current regulatory landscape, examine the compliance obligations firms are actively preparing for, and offer a forum for participants to share how they are developing governance frameworks.
Deputy Head of Legal, KSV1870
Deputy Head of Legal, KSV1870
CIO Group Functions, Group AI Officer (CAIO), Group Data and Analytics, Erste Group
CIO Group Functions, Group AI Officer (CAIO), Group Data and Analytics, Erste Group
Senior Group Supervisory Affairs and Regulatory Governance Manage, Raiffeisen Bank International
Senior Group Supervisory Affairs and Regulatory Governance Manage, Raiffeisen Bank International
General Counsel, TransUnion
General Counsel, TransUnion
AI Transformation, Data & Artificial Intelligence Division at Intesa Sanpaolo
AI Transformation, Data & Artificial Intelligence Division at Intesa Sanpaolo
Group Head of Regulatory Strategy, Enento
Group Head of Regulatory Strategy, Enento
As the financial landscape evolves, the industry is moving beyond traditional scoring methods toward revolutionary Transformer architectures. While these cutting-edge techniques are already driving results in less-regulated regions, bringing this level of innovation to the European market requires a sophisticated balance of global technology and local compliance precision. This presentation unveils how R&D breakthroughs and high-velocity data assets, such as open banking, are being harnessed to provide real, impactful insights
Analytics Director, Equifax
Analytics Director, Equifax
Director of Strategy Analytics, Equifax
Director of Strategy Analytics, Equifax
What are the latest changes in the technology industry that Credit Bureaus can exploit ? What is the best practice for application of AI ? In this presentation, Andrew Bond, EMEA CTO, Oracle will spell out the market dynamics, industry use cases, the range of technologies and key success factors
EMEA CTO, ORACLE
EMEA CTO, ORACLE
As fraud continues to evolve across payments and digital finance, the regulatory framework is catching up. PSD3 and the Payment Services Regulation (PSR) are reshaping compliance obligations and liability frameworks. At the same time, payments sovereignty discussions are happening. How do the two trends impact the threat landscape and what does this mean for the anti-fraud responsibilities of industry?
Product Director, ID & Fraud
Product Director, ID & Fraud
Principal Fraud and ID Risk Consultant, Equifax
Principal Fraud and ID Risk Consultant, Equifax
Principal Associate, Freshfields
Principal Associate, Freshfields
Chief Policy Officer, ACCIS
Chief Policy Officer, ACCIS
The research study examines why delinquency rates are rising despite stable underlying credit risk. The study finds that the increase is not driven by legitimate consumer stress or new‑to‑credit growth, but rather by synthetic fraud that enters through new credit accounts and later surfaces as first‑party fraud. The analysis reveals that accounts with elevated synthetic fraud risk experience significantly higher delinquency across all credit tiers, distorting portfolio performance and masking fraud as credit loss.
CEO, TransUnion Spain
CEO, TransUnion Spain
The revised Consumer Credit Directive represents one of the most substantial changes to consumer lending regulation in over a decade. This session places the Directive in the context of the broader financial services legislative agenda — examining how it intersects with data protection frameworks, open finance developments, and evolving conduct expectations.
Chief Legal Officer, BIK
Chief Legal Officer, BIK
Chief Policy & Legal Adviser, Eurofinas
Chief Policy & Legal Adviser, Eurofinas
Head of Public Affairs, SCHUFA
Head of Public Affairs, SCHUFA
Description: With the Revised Consumer Credit Directive (CCD2) approaching in November, the landscape of lending is shifting fast. Transactional Data has moved from “nice-to-have” innovation to a regulatory necessity. This session grounds the conversation in the “Transactional Advantage”, demonstrating how real-time account data and advanced categorisation expertise are moving the needle from reactive detection to predictive growth. We will unveil how the strategic combination of Mastercard’s global data rails and Equifax’s deep analytical heritage is already delivering tangible outcomes in the UK, allowing institutions to say “yes” to more customers with pinpoint accuracy.
Chief Strategy & Innovation Officer, Equifax
Chief Strategy & Innovation Officer, Equifax
SVP Sales Open Finance, MasterCard
SVP Sales Open Finance, MasterCard
In a volatile global economy, credit information services are the backbone of financial stability. This panel examines the critical intersection of technology and ethics. How are leaders scaling AI-driven solutions without sacrificing human-centric trust? We’ll address the escalating threats in a borderless digital landscape.
VP Credit Bureau Alliance, FICO USA
VP Credit Bureau Alliance, FICO USA
CEO, TransUnion Spain
CEO, TransUnion Spain
CEO, Experian Italy
CEO, Experian Italy
CEO, BIK and ACCIS, President
CEO, BIK and ACCIS, President
Chief Strategy & Innovation Officer, Equifax
Chief Strategy & Innovation Officer, Equifax
This setting the stage presentation will provide the
essential context for our CEO panel discussion. Gain expert insights
into the evolving market trends, challenges and disruptions, as well
as the emerging opportunities.
Expert Associate Partner, McKinsey
Expert Associate Partner, McKinsey
Industry CEOs will discuss the most critical issues facing credit
referencing services today. How is the industry powering data driven
solutions? What are the new trends in the market? What are the
best opportunities? And the threats? How does our industry
generate trust?
Director General, ACCIS
Director General, ACCIS