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Unlocking the power of digital mortgages

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4-5 November 2026 | Prague

Featuring  |

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SYNChome | Programme Day One

Programme  |

Day one  |  Wed 4 Nov 2026  |  Morning

NAVIGATING THE TRANSFORMATION LIFECYCLE

Mortgage transformation has progressed from isolated digital upgrades to a profound, systemic overhaul of lending ecosystems. This session explores the realities of managing large-scale operational, regulatory, and ESG shifts across Europe. From navigating macro-economic transitions and deep change management in regulated environments, to leveraging predictive data and executing end-to-end paperless integrations, we map the entire lifecycle of modern mortgage transformation. Discover how to successfully bridge the gap between legacy baselines and the next generation of frictionless lending, proving that the true bottleneck to innovation isn't just the technology—it's the strategy behind the shift.

1    Reimagining home buying and selling through connected experiences

SPEAKER TBA  |  NatWest, UK

2    Navigating shifting mortgage markets: Bulgaria’s post-EURO evolution and high-tech conversion tactics

PLAMENA TOTEVA  |  Managing Director Mortgage Market  |  DSK Bank, Bulgaria

3    Building an AI‑driven future of mortgages

ATTE YLÄ-MATTILA  |  Senior Product Owner  |  OP Financial Group, Finland

HANNA HEINONEN  |  Director, Secured Consumer Loans  |  OP Financial Group, Finland

4    Digitalisation of mortgage origination at ČSOB: end-to-end experience and the way forward

MARTIN VAŠEK  |  Executive Director of Home Financing  |  ČSOB, Czech Republic

5    Renovating the future: green 2.0 and the ESG data workflow

Day one  |  Wed 4 Nov 2026  |  Afternoon

HYPER-PERSONALISATION & AGENTIC AI

The "one-size-fits-all" mortgage is dead; 2026 is the year of the "zero-click" experience. We examine how banks are using real-time behavioural data and predictive intent to offer hyper-personalised rates and products that adapt to a borrower’s life stages before they even think to ask.

6    Smart servicing: proactive portfolio management via predictive AI

SLOT RESERVED  for  Finsolutia, Portugal

7    The KB Group mortgage story: doubling productivity through mergers, digitisation, and AI

JAROSLAV ŠEVČÍK  |  COO, Housing Finance  |  KB Group, Czech Republic

TOMÁŠ URBAN  |  Housing Tribe Leader  |  KB Group, Czech Republic

8    Orchestrating the machine: tools for managing an AI agent workforce

MÁTÉ JENDROLOVICS  |  Founder & CEO  |  Intuitech, Hungary

9    The speed of certainty: UAE’s first instant digital pre-approval

PANEL DISCUSSION

The trust crisis – explainability in the age of autonomy

Day two  |  Thu 5 Nov 2026  |  Morning

FROM SOCIAL IMPACT TO SYSTEMIC TRANSFORMATION

With sustainability, inclusion, and digital trust becoming core design principles, lenders are rethinking how mortgages are delivered end-to-end. This session explores how adaptable lending platforms, cloud-native architectures, regulatory workflows, and automated core operations are reshaping mortgage ecosystems. Moving from incremental change to systemic transformation, institutions lay the foundation for next-generation lending experiences while balancing hyper-digitised regional markets with traditional legacy environments.

10  Making mortgage transformation work: platforms that adapt in real time

11  Building a 100% digital mortgage from scratch: the six-month cloud sprint

JAKUB DĄBROWSKI  |  Product Owner - Digital Mortgages  |  UniCredit, Poland

12  Addressing access to home ownership: technology vs. proposition vs. regulation

GRAHAM MCCLELLAND  |  CEO  |  Gen H, UK

13  Scaling digital trust: Swedbank’s strategy for the Baltic region

MARIKA TOMA  |  Mortgage Area Manager  |  Swedbank Baltics, Latvia

14  Accelerating the front-end: Bank of Cyprus's digital mortgage path in a traditional ecosystem

SLOT RESERVED  for  Bank of Cyprus, Cyprus

Day two  |  Thu 5 Nov 2026  |  Afternoon

FUTURE-PROOFING THE BUSINESS MODEL

Mortgage business models are evolving rapidly under the influence of digital platforms, AI-driven member experiences, and advisory innovation. This session investigates how cooperative platforms and human-led advisory are being reimagined for 2027, while closing with a forward-looking discussion on the 2030 vision of frictionless, data-driven lending.

15  The cooperative platform: leveraging member value via AI

16  Advisory in the age of autonomy: the Spain case study

PANEL DISCUSSION

2030 vision – the end of friction?

ISponsored by  |

SYNChome Sponsors & Partners
Logo of Intuitech.

Intuitech is the European leader in Agentic AI lending automation, with 200+ engineers, serving financial services and Fortune 500 companies in 10+ European countries. 8 major European banks, like Erste BCR, are already live with Intuitech’s flagship product, the Loan Origination AI Agents, which enables top banks to redefine loan origination - reducing manual effort by 90%+ and slashing approval times – even in complex cases like mortgages and SME loans. Demos: Retail lending [Mortgage] | Commercial lending [SME Loan].

Trusted by  |

SYNChome supported by
Logo of OnlineApplication.
Logo of ČSOB.
Logo of NatWest Group.
Logo of DSK Bank.
Logo of OP Financial Group.
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Logo of UniCredit.
Logo of Evocabank.
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Logo of LHV Pank.
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Logo of Immotheker Finotheker.
Logo of Luminor.
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Logo of Credit Exchange.
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SYNChome | Venue

Venue  |

Prague delivers more than just stunning sights—it provides a vibrant, dynamic backdrop for global connection. To maximise your time and networking, the Grand Majestic Hotel Prague is our carefully selected 2026 venue. Its central location and premium amenities guarantee a comfortable, relaxing base, making your entire visit effortless.

 

You'll find elegant meeting spaces, superb dining options, and attentive hospitality steps away from Prague’s famous landmarks.

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Are you an industry expert with an interesting case to present?

Do you develop technology solutions that help lenders create seamless home buying experiences, automate the mortgage process, and stay competitive?

Or would you simply like to
go through the full programme before you register?

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