Unlocking the power of digital mortgages
13-14 November 2025 | Prague
| The complete speaker lineup will be announced soon |
| Programme |
Day one | Thu 13 Nov 2025 | Morning
STAYING AHEAD IN AN EVOLVING MORTGAGE MARKET
In recent years the mortgage market has been confronted with significant challenges, such as rising interest rates, affordability pressures, and evolving borrower needs. Resilience and adaptability have helped successful lenders both to navigate through them, and to catch opportunities to innovate and grow. At the same time, new entrants took the chance to propose new models, aiming at disrupting the existing competitive landscape. What strategies and tools can be adopted to drive transformation and become more efficient, sustainable, and borrower-focused?
​
1 Revolutionising mortgages for the better
​
2 Is it possible to buy home with mortgage with 5 minutes (in Estonia)?
KARIN OSSIPOVA | Head of Mortgage Lending | Coop Pank, Estonia
SIIRI VENE | Mortgage Lending Product Manager | Coop Pank, Estonia
​
4 How to shake up a mortgage market as a fresh entrant
​
5 The future of mortgage tech: will we ever reach a truly end-to-end digital mortgage transaction?
​
Day one | Thu 13 Nov 2025 | Afternoon
DRIVING MORTGAGE INNOVATION: HOW AI AND DIGITAL LENDING ARE TRANSFORMING THE INDUSTRY
From automating back-office processes to crafting personalised customer journeys, AI is set to redefine the boundaries of what is possible in mortgage lending. AI is not just about technology; it’s about reimagining how value is delivered to customers. Banks that harness AI’s potential will lead the charge in creating a more inclusive, efficient, and sustainable financial ecosystem. For lenders ready to embark on this transformative journey, the time to act is now. AI offers the tools to not only survive but thrive in a competitive landscape, and reshape the future of mortgages for the better.
​
6 Unlocking efficiency and fueling growth through technical solutions powered by AI
​​
7 Empowering consumers to search, purchase and manage their home financing with an intuitive, AI-driven experience
SLOT RESERVED for AikBank, Serbia
​
8 Making homeownership more accessible and sustainable
​
9 Redefining efficiency and the mortgage experience with AI
​
PANEL DISCUSSION
Is AI poised to shake the mortgage world?
​
Day two | Fri 14 Nov 2025 | Morning
EMBRACING THE GREEN TRANSITION
While energy-efficient upgrades improve borrowers' financial outlook in the long term, navigating subsidy programs is often complex and time-consuming, adding to the challenges they face. The solution? Adopting a holistic approach, often enabled by cross-industry collaborations, that integrates financing, subsidy applications, and project management to support customers through the green transition. This not only improves borrower satisfaction but also drives retention and enhances customer lifetime value, positioning lenders as long-term partners in the journey toward sustainable living.
​
10 Setting the benchmark for innovative, customer-centric solutions in sustainable housing
​
11 Building the most sustainable and leading mortgage bank for the Netherlands
​
12 Banking for a greener future: offering residential mortgages for real life people, not perfect profiles
SLOT RESERVED for Evocabank, Armenia
​
13 Data solutions for sustainable real estate financing and net zero strategies
​
PANEL DISCUSSION
Green mortgages: a promising concept facing implementation challenges
​
Day two | Fri 14 Nov 2025 | Afternoon
INNOVATIVE APPROACHES TO TACKLING AFFORDABILITY CHALLENGES
The mortgage landscape is in a state of constant evolution. As we look to the future, the continued embrace of digital technology, innovative mortgage products, and evolving demographics will play a significant role in shaping the mortgage landscape. Lenders, mortgage processing companies, and borrowers alike must stay attuned to these trends to navigate the ever-changing terrain of the mortgage industry successfully. The mortgage landscape may be shifting, but with adaptability and innovation, it offers opportunities for growth and prosperity for all stakeholders involved.
​
14 Built from scratch: how to launch a new digital bank and shape its mortgage proposition
SLOT RESERVED for Afin Bank, UK
​​
15 Reshaping affordable housing and sustainable renovation across Europe
​
PANEL DISCUSSION
Improving access to homeownership
​
| Sponsors 2024 |
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.
Econans is the platform for banks to accelerate the energy transition of buildings. Powered by reliable data & tools.
SkenarioLabs specialises in modelling and monitoring technical, financial and ESG risk metrics for financial institutions and asset managers. These users rely on their platform and expertise to guide their financing and investment choices, while effectively managing risks. SkenarioLabs’ specialist real estate technology combines data, science, statistics and proprietary AI algorithms to deliver accurate, efficient and objective data for all real estate classes.
Accesa is a leading technology company with 20 years of experience in turning business challenges into opportunities and growth. A value-driven organisation, it has established itself as a partner of choice for major brands in Finance, Banking, Retail, and Manufacturing. It covers the complete digital evolution journey of its customers, from ideation and requirements setup to software development and managed services solutions. With more than 1,200 IT professionals, Accesa has a fast-growing footprint, establishing itself as an employer of choice for IT professionals who are passionate about problem-solving through technology. Coming together in strong tech teams with a customer-centric approach, they enable businesses to grow, delivering value for clients, partners, industry, and the community.
| Partner 2024 |
Oper is a leader in AI-powered cloud-based mortgage software, ensuring a digital origination that supercharges efficiency from contact to contract. Collaborating with 16 financial institutions across 6 European countries, Oper's end-to-end solutions deliver 81% faster mortgage decisions, 90% first-time-right scores, and a 25% increase in customer conversion rates. With a team of over 50 experts, Oper aims to transform mortgage origination with a SaaS platform that combines tailored journeys with unparalleled time-to-launch, anywhere in Europe. Find out more and book a demo: https://www.opercredits.com/.
| Trusted by |
| 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 NámÄ›stí 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.
