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Unlocking the power of digital mortgages


14-15 November 2024 | Prague

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Speakers  |

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SYNChome | Programme Day One

Programme  |

Day one  |  Thu 14 Nov 2024  |  Morning


The mortgage industry is no stranger to change: it’s a dynamic sector that mirrors broader demographic shifts and legal evolutions, governments’ policies and technological developments, evolving economic landscapes and consumers’ demands. How to keep pace with the trends that are reshaping the mortgage industry? Adaptability and innovation seem to be the key to surviving and thriving, as they offer opportunities for growth and prosperity for all stakeholders involved.

1    Energising the green retrofit revolution

JORIS PIETTE  |  Project Manager  |  Onesto, Belgium

2    Multi-apartment buildings' renovations and their impact on mortgages

GODA BUTKIENĖ  |  Head of Products  |  Šiaulių bankas, Lithuania

DOVILĖ KALVAITIENĖ  |  Team Lead of Lending Products Development |  Šiaulių bankas, Lithuania

3    Digital mortgages: an ongoing journey, not a destination

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

4    Development of the mortgage market in Czech Republic

JAKUB SEIDLER  |  Chief Economist  |  Czech Banking Association, Czechia

5    Enabling mortgage experts to push the energy transition

THIBAUT NIVELLES  |  Founder & CEO  |  Setle, Belgium

Day one  |  Thu 14 Nov 2024  |  Afternoon


With the advancement of technology, the mortgage industry has been able to digitise almost the entire lending process, and it’s about to undergo a momentous change in terms of speed, efficiency, and productivity. The utilisation of financial technology helped streamline and simplify the mortgage process, thus making the home buying process more accessible and providing a positive customer experience for borrowers. Is the adoption of technology going to override traditional mortgage lending methods, or rather to exist alongside them?

6    Developing an insight-driven approach to mortgage processes

7    Digitising the mortgage approval process: ING's way to straight through processing

THOMAS BERGHAUS  |  Lead Run Excellence Home  |  ING-DiBa, Germany

8    A mortgage that feels like home


9    More mortgages, less effort


Kick-starting mortgage financing of energy saving renovations

Day two  |  Fri 15 Nov 2024  |  Morning


Lenders are grappling with margin compression and higher rate environments. Customers are grappling with affordability issues and evolving product needs. But with the right approach, the right partners, and the use of emerging technologies, banks can navigate changing demands of today’s mortgage market, pivot as needed, and continue to provide excellent service to borrowers. Furthermore, why not extend cross-sector value propositions in other directions to take on the role of an ecosystem orchestrator and consolidate various housing journey transactions into one integrated customer experience?

10  How to make mortgages easier for everyone

LOUISA SEDGWICK  |  Commercial Director - Mortgages  |  Paragon Bank, UK

11  Redesigning the mortgage application journey and scaling a housing eco-system

PLAMENA TOTEVA  |  Director Mortgage Market  |  DSK Bank, Bulgaria

12  Delivering a better home buying process

TIGRAN GRIGORYAN  |  Product Owner  |  Ameriabank, Armenia

LIANA AGHAYAN  |  Mortgage Product Owner  |  Ameriabank, Armenia

13  How to distribute a complex retail banking product in a modern way


Maintaining current mortgage revenues while growing new revenue streams in adjacent areas

Day two  |  Fri 15 Nov 2024  |  Afternoon


Technology helps address many issues within the mortgage industry, but a faster and frictionless borrower experience won’t necessarily help support underserved and aspiring homeowners. Most lenders treat public sector workers like any other salaried applicants, with no consideration given to their strong security of employment, additional shift and overtime income, professional qualifications, experience and reliable future pensions. And what about evolving demographics? People live for longer, and buy houses later in life. Is adding valuable product diversity to the mix the key to broadening the horizon for prospective homeowners?

14  In the now: launching a bank for first-time buyers, bigger-picture savers and later-life borrowers

15  Unlocking the housing market with long term fixed rate mortgages



First-time buyers: are there modern solutions to old-age problems?

Sponsored by  |

SYNChome | Sponsors & Partners
Logo of Setle.

Setle is a Belgian based software development company. Their all-in-one renovation app gives a thorough support in the pre-buying phase of renovation property. An easy-to-use interface that allows everyone get insights on the renovation costs and plan a renovation process in line with the European sustainable transition requirements. With real-time data and user-friendly features, Setle empowers renovators to make better decisions and create transparency. From energy efficiency to maximising property budget, Setle makes ESG renovations worry-free.

Trusted by  |

SYNChome supported by
Logo of OnlineApplication.
Logo of the Czech Banking Association.
Logo of Perenna.
Logo of Mister Mortgage.
Logo of LHV Pank.
Logo of Banca Sella.
Logo of Wafa Immobilier.
Logo of MeDirect Bank.
Logo of Credit Exchange.
Logo of Komerční banka.
Logo of Econans.
Logo of Oper.
Logo of Luminor.
Logo of Šiaulių bankas.
Logo of Paragon Bank.
Logo of Ameriabank.
Logo of Onesto.
Logo of Renergia.
Logo of Modrá pyramida stavební sporitelna.
Logo of LendInvest.
Logo of Raiffeisen stavební spořitelna.
Logo of Neo Hypotheken.
Logo of Homevest.
Logo of EMF-ECBC.
Logo of Finsolutia.
Logo of OP Financial Group.
Logo of DSK Bank.
Logo of finbryte.
Logo of ING-DiBa.
Logo of Swedbank.
Logo of NLB.
Logo of De Hypotheker.
Logo of Postbank.
Logo of Coop Pank.
Logo of Banka Kombetare Tregtare.
Logo of Caixa Gearal de Depósitos.
Logo of DigFin.
Logo of mBank.
SYNChome | Venue

Venue  |

Alongside Prague’s magnificent culture and architecture you’ll discover a cosmopolitan vibe, contemporary entertainment and an array of global cuisines. To make your visit complete, the Hotel KINGS COURT offers an ideal location on Náměstí Republiky and all amenities needed for a perfect stay.


In the heart of historical Prague you’ll find luxury accommodation, enticing food and drink and personalised service.

Exterior of Hotel KINGS COURT.
Deluxe premium room at Hotel KINGS COURT.
Ballroom Franz Josef I at Hotel KINGS COURT.
Majesty Lounge at Hotel KINGS COURT.
Adele Restaurant & Bar at Hotel KINGS COURT.
Spa at Hotel KINGS COURT.

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?

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