Registration

Opening Remarks

Bayanihan Banking: Bridging Tradition and Tomorrow

• How can banks align digital investments with BSP’s agenda by integrating ESG, Open Finance, and AI governance while controlling costs?
• Can innovative hybrid models convert traditional touchpoints into micro-digital hubs, preserving local suki trust and fostering a meaningful digital transformation?
• What long-term innovation strategies ensure sustained profitability, cost efficiency, and scalability while keeping pace with rapid technological and regulatory disruptions?
• How should banks develop leadership talent for AI, blockchain, and digital payments innovation while fostering growth and avoiding innovation bubbles?
• How can banks leverage their trust and regulatory strengths to effectively convert fintech competition into broad collaborative ecosystem partnerships?

Lightbulb Moments

Breaking Barriers: Bringing Finance to Every Barangay

• Which innovative hybrid models can banks deploy to extend essential services to remote islands while reducing transaction risks effectively today?
• How can banks integrate voice interfaces in regional dialects to boost adoption among seniors and low-literacy users without compromising security?
• Should banks prioritise tailored insurance APIs for farmers or savings tools for informal vendors, ensuring local loyalty mitigates over-indebtedness?
• How should banks define success - by NSFI 2028’s inclusion targets or long-term customer financial health - and what role does real-time data play?
• How can banks optimise compliance and infrastructure investments to support hyperlocal digital solutions while maintaining operational efficiency effectively?

Lightbulb Moments

Networking Break

Lightbulb Moments

Lending with Malasakit: Ethical AI that Cares

• How can banks balance BSP’s transparency mandates while safeguarding AI algorithms used in credit scoring, loan approvals, and risk assessments?
• What safeguards ensure AI training data from diverse sources does not amplify biases against underrepresented, vulnerable lending communities in practice?
• Should banks permit opt-outs from community-based credit scoring, risking exclusion of borrowers without conventional financial histories effectively?
• How can AI-driven recovery systems embed Filipino cultural values while upholding ethical standards and optimising collection strategies?
• Which quantifiable metrics should BSP enforce to audit AI fairness, ensuring transparency and accountability across all socioeconomic lending segments?

Lightbulb Moments

Digital Banking, Filipino-Style: When Tech Feels Like Kapamilya

• How can banks preserve may tao po (human presence) in digital workflows while using AI-driven avatars to replicate branch warmth and efficiency?
• Should banks offer microfinance via Messenger chatbots and APIs, and can blockchain solutions enhance transparency in community savings effectively?
• How can multimodal authentication using local language speech verification strengthen security without complicating user experience significantly?
• Can AI-powered loyalty models analyse micro-purchase patterns to personalise offers without undermining the culturally valued customer relationship?
• How should banks design offline-first AI features, like SMS-based balance forecasts, to ensure accessibility in areas with limited connectivity?

Lightbulb Moments

VIP Networking Lunch

PayPinas 4.0: Building the Next-Gen Payment Ecosystem for the Philippines

• How can banks create unified payment rails connecting rural cooperatives, e-wallets, and multinational platforms while ensuring interoperability and competitive differentiation?
• What fraud prevention lessons from past incidents should guide QR Ph’s secure scaling while preserving accessibility for small, community-based merchants?
• How can BSP’s Open Finance Framework reduce rural bank participation costs through API standardisation while integrating seamlessly with legacy systems?
• Which frameworks can ensure robust fraud prevention and data privacy without complicating user experiences, especially for first-time digital payment adopters?
• Should regulatory sandboxes prioritise non-QR innovations, such as blockchain, to strengthen the Philippines’ payments competitiveness across ASEAN?

Lightbulb Moments

Kapwa Finance: Bridging Communities Through Open Banking Innovation

• How can banks leverage APIs to co-create hyperlocal solutions with farmers’ cooperatives, sari-sari networks, or transport unions for robust growth?
• With rising scams targeting OFW families, what API-driven safeguards can rebuild trust while ensuring compliance with BSP’s evolving data privacy guidelines?
• Should banks adopt API marketplaces for mutual profit, such as charging micro-fees for remittance routes, or prioritise inclusive financial access?
• How can BSP’s open finance framework balance standardisation of API formats with flexibility for rural banks using legacy systems effectively?
• Can API-enabled banking-as-a-service models deliver blockchain-based microloans through provincial banks without costly core system replacements?

Lightbulb Moments

Pinoy Shield: Securing Banking in the Digital-First Age

• How can banks implement BSP’s 24/7 security mandates cost-effectively while sustaining innovation speed, customer trust, and inclusive financial access?
• What localised training strategies can counter SMS phishing targeting OFW families and first-time users while meeting regulatory compliance effectively?
• How can banks leverage AI/ML to detect and outpace evolving local threats like phishing, deepfake scams, and habal-habal mobile fraud?
• How can leading banks share fraud intelligence via BSP’s CODI with rural banks without compromising competitive advantage or security?
• As banks adopt facial recognition, how can they prevent identity theft for vulnerable groups while ensuring interfaces remain user-friendly?

Closing Remarks

DigiBank Awards