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?
1 Driving digital mortgages: Citadele's path to Baltic homeownership & growth
JŪLIJA PAUČA | Head of Baltic Mortgage | Citadele Banka, Latvia
2 Is it possible to buy a home with a mortgage in 5 minutes (in Estonia)?
KARIN OSSIPOVA | Head of Mortgage Lending | Coop Pank, Estonia
SIIRI VENE | Mortgage Lending Product Manager | Coop Pank, Estonia
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
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 Product & Digital Sales | Libra Internet Bank, Romania
5 Evolution of the mortgage market and housing affordability in the Czech Republic compared with regional peers
JAROMÍR ŠINDEL | Chief Economist | Czech Banking Association, Czech Republic
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
FABIO DISTASO | Managing Director, Technology Sales | Finsolutia, Portugal
7 AI-powered financing fit for modern-age home owners
MAJA MIKIĆ | Chief Operating Officer | AikBank, Serbia
8 The future of loan origination is here - AI agents delivering measurable ROI in banking
MÁTÉ JENDROLOVICS | Founder & CEO | Intuitech, Hungary
9 AI in mortgage advice and real estate mediation – a non-digital process
PIETER JAN DEKKER | Director/Owner | De Hypotheker, Netherlands
PANEL DISCUSSION
Is AI poised to shake the mortgage world?
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.
10 More than a digital mortgage at mBank
ŁUKASZ CZEKAJEWSKI | Retail Lending Department Director | mBank, Poland
11 Transformation towards nordically harmonised business models
LEILA ADAWI | Head of Mortage Development | Nordea, Sweden
12 Green horizons: advancing mortgage lending in Armenia through sustainable finance
STEPAN AVETISYAN | Head of Retail Lending Department | Evocabank, Armenia
13 The evolution of the UK Green Mortgage Market: case studies, latest innovations and international opportunities
CHLOE TIMPERLEY | Green Mortgage Campaign Lead | Green Finance Institute, UK
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 Towards a European digital mortgage: breaking borders to improve access and affordability
TIBOR ZAVADIL | Founder & CEO | DigFin, Slovakia
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
PANEL DISCUSSION
Improving access to homeownership
| ISponsored by |
Finsolutia is a tech-enabled business with over 18 years of experience transforming the mortgage ecosystem. Its AI-powered, E2E solutions streamline mortgage origination, supporting both financial institutions and brokers with intelligent workflows, seamless client onboarding, and data-driven insights. With a proven track record in digital innovation and operational excellence, Finsolutia helps partners reduce complexity, accelerate decision-making, and scale efficiently, backed by internationally recognised standards (ISO 27001 & 27701).
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 or going live by end of 2025 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].
| 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 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.
