
Unlocking the power of digital mortgages

13-14 November 2025 | Prague
| Featuring |
| 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?
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1 Driving digital mortgages: Citadele's path to Baltic homeownership & growth
SLOT RESERVED for Citadele, Latvia
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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
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3 Making homeownership more accessible and sustainable through digital mortgage innovation
TIBOR KÓI | Head of Retail Lending Products | CIB Bank, Hungary
KRISTÓF BÁN | Head of Mass Client Department | CIB Bank, Hungary
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4 Digital mortgages reimagined: simplifying and accelerating access to property for Romanians abroad
CORNELIU TOMA | Head of Retail Banking | Libra Internet Bank, Romania
ELENA NEDELCU | Head of Digital Division | Libra Internet Bank, Romania
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5 The future of mortgage tech: will we ever reach a truly end-to-end digital mortgage transaction?
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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.
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6 Unlocking efficiency and fueling growth through technical solutions powered by AI
SLOT RESERVED for Finsolutia, Portugal
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7 Empowering consumers to search, purchase and manage their home financing with an intuitive, AI-driven experience
MAJA MIKIĆ | Chief Operating Officer | AikBank, Serbia
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8 The AI shift in mortgages: creating trust through speed and transparency
PIETER JAN DEKKER | Director/Owner | De Hypotheker, Netherlands
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9 Redefining efficiency and the mortgage experience with AI
SLOT RESERVED
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PANEL DISCUSSION
Is AI poised to shake the mortgage world?
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Day two | Fri 14 Nov 2025 | Morning
OPTIMISING THE MORTGAGE JOURNEY: EFFICIENCY, DATA & GREEN TRANSITION
The modern mortgage landscape demands innovation in products and a relentless pursuit of operational efficiency and cost reduction. This session delves into how lenders can leverage advanced technologies and data solutions to accelerate processes, enhance decision-making, and deliver seamless borrower experiences. We'll explore practical strategies from streamlining origination to optimising servicing for greater speed and accuracy. Simultaneously, we'll examine how these efficiency gains support the growing imperative of sustainable finance, showcasing how robust data strategies and digital tools are essential for operational excellence and the green transition.
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10 Accelerating mortgage origination: from application to approval
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11 Banking for a greener future: offering residential mortgages for real life people, not perfect profiles
SLOT RESERVED for Barclays, UK
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12 Green horizons: advancing mortgage lending in Armenia through sustainable finance
STEPAN AVETISYAN | Head of Retail Lending Department | Evocabank, Armenia
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13 Data-driven strategies for cost reduction and risk management in mortgage portfolios
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PANEL DISCUSSION
Green mortgages: a promising concept facing implementation challenges
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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.
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14 Built from scratch: how to launch a new digital bank and shape its mortgage proposition
SLOT RESERVED for Afin Bank, UK
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15 Reshaping affordable housing and sustainable renovation across Europe
JORIS PIETTE | COO | Onesto, Belgium
PILAR CAMPUZANO | ESG & Corporate Sustainability / Legal Advisor | UCI - Unión de Créditos Inmobiliarios, Spain
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PANEL DISCUSSION
Improving access to homeownership
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| In partnership with |
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.