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Unlocking the power of digital mortgages

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13-14 November 2025 | Prague

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Featuring  |

SYNChome featuring
Headshot of Tibor Kói, Head of Retail Lending Products at CIB Bank.
Click to visit the LinkedIn profile of Tibor Kói, Head of Retail Lending Products at CIB Bank.

TIBOR KÓI

Head of
Retail Lending Products


CIB Bank | Hungary

Headshot of Kristóf Bán, Head of Mass Client Department at CIB Bank.
Click to visit the LinkedIn profile of Kristóf Bán, Head of Mass Client Department at CIB Bank.

KRISTÓF BÁN

Head of
Mass Client Department


CIB Bank | Hungary

Headshot of Stepan Avetisyan, Head of Retail Lending Department at Evocabank.
Click to visit the LinkedIn profile of Stepan Avetisyan, Head of Retail Lending Department at Evocabank.

STEPAN AVETISYAN

Head of
Retail Lending Department


Evocabank | Armenia

Headshot of Pilar Campuzano, ESG & Corporate Sustainability / Legal Advisor at UCI (Unión de Créditos Inmobiliarios).
Click to visit the LinkedIn profile of Pilar Campuzano, ESG & Corporate Sustainability / Legal Advisor at UCI (Unión de Créditos Inmobiliarios).

PILAR CAMPUZANO

ESG & Corporate Sustainability
/ Legal Advisor


UCI | Spain

SYNChome | Programme Day One

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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SYNChome | Sponsors & Partners

In partnership with  |

Logo of Oper.

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  |

SYNChome supported by
Logo of OnlineApplication.
Logo of Libra Internet Bank.
Logo of Onesto.
Logo of DSK Bank.
Logo of Green Finance Institute.
Logo of Luminor.
Logo of Credit Exchange.
Logo of Mister Mortgage.
Logo of ING-DiBa.
Logo of Fundamenta-Lakáskassza.
Logo of Trask solutions.
Logo of Raiffeisen Bank International.
Logo of Coop Pank.
Logo of AikBank.
Logo of UCI - Unión de Créditos Inmobiliarios.
Logo of Ameriabank.
Logo of Perenna.
Logo of finbryte.
Logo of Datakeeper.
Logo of Air Bank.
Logo of vista Hypotheken.
Logo of Eurobank.
Logo of Modrá pyramida stavební sporitelna.
Logo of the Czech Banking Association.
Logo of De Hypotheker.
Logo of Evocabank.
Logo of OP Financial Group.
Logo of Nordea.
Logo of UniCredit Bank Hungary.
Logo of LHV Pank.
Logo of Banka Kombetare Tregtare.
Logo of Šiaulių bankas.
Logo of Wafa Immobilier.
Logo of Finsolutia.
Logo of ING.
Logo of MONETA Money Bank.
Logo of Paragon Bank.
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 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.

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?

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

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