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Unlocking the power of digital mortgages

4-5 November 2026 | Prague

Sponsors & Partners

| Featuring |

SYNChome featuring

KARL DEETER

CEO

OnlineApplication | Ireland

MARIANA SÁ NOGUEIRA

Head
of Homes

Santander | Portugal

PLAMENA TOTEVA

Managing Director
Mortgage Market

DSK Bank | Bulgaria

ATTE YLÄ-MATTILA

Senior
Product Owner

OP Financial Group | Finland

HANNA HEINONEN

Director,
Secured Consumer Loans

OP Financial Group | Finland

MARTIN VAŠEK

Executive Director of
Home Financing

ČSOB | Czech Republic

LYUBOMIR TANKISHEV

Business Development
Director

Evrotrust | Bulgaria

JAN SYRINEK

Head
of Product

Resistant AI | Czech Republic

JAROSLAV ŠEVČÍK

COO,
Housing Finance

KB Group | Czech Republic

TOMÁŠ URBAN

Tribe Leader
Housing

KB Group | Czech Republic

MÁTÉ JENDROLOVICS

Founder & CEO

Intuitech | Hungary

ANGELA GLOVER

Head of Product:
Secured Lending

Discovery Bank | South Africa

JAKUB DĄBROWSKI

Digital Mortgage
Product Manager

UniCredit | Poland

GRAHAM MCCLELLAND

CEO

Gen H | UK

MARIKA TOMA

Mortgage Area Manager

Swedbank Baltics | Latvia

AGNIEŠKA VRUBLIAUSKIENĖ

Mortgage Area Manager

Swedbank | Lithuania

PANICOS DIAOURIS

Manager Consumer Banking
Products & Segments

Bank of Cyprus | Cyprus

ZAKIR MAMMADOV

Mortgage Tribe Tech Lead

ABB Bank | Azerbaijan

KATARZYNA GRALEWICZ

Manager, Customer Experience
& Mortgage Processes

mBank | Poland

ILONA SZCZAPIŃSKA

Manager, Mortgage Credit
Analysis Unit

mBank | Poland

SYNChome | Programme Day One

| Programme |

Day one | Wed 4 Nov 2026 | Morning

NAVIGATING THE TRANSFORMATION LIFECYCLE

Mortgage transformation has progressed from isolated digital upgrades to a profound, systemic overhaul of lending ecosystems. This session explores the realities of managing large-scale operational, regulatory, and ESG shifts across Europe. From navigating macro-economic transitions and deep change management in regulated environments, to leveraging predictive data and executing end-to-end paperless integrations, we map the entire lifecycle of modern mortgage transformation. Discover how to successfully bridge the gap between legacy baselines and the next generation of frictionless lending, proving that the true bottleneck to innovation isn't just the technology—it's the strategy behind the shift.

1 [Title to be announced]

MARIANA SÁ NOGUEIRA | Head of Homes | Santander, Portugal

2 Navigating shifting mortgage markets: Bulgaria’s post-EURO evolution and high-tech conversion tactics

PLAMENA TOTEVA | Managing Director Mortgage Market | DSK Bank, Bulgaria

3 Building an AI‑driven future of mortgages

ATTE YLÄ-MATTILA | Senior Product Owner | OP Financial Group, Finland

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

4 Digitalisation of mortgage origination at ČSOB: end-to-end experience and the way forward

MARTIN VAŠEK | Executive Director of Home Financing | ČSOB, Czech Republic

5 Trust by design: making paperless mortgage lending legally airtight

LYUBOMIR TANKISHEV | Business Development Director | Evrotrust, Bulgaria

Day one | Wed 4 Nov 2026 | Afternoon

AI DEPLOYMENT, SECURITY & HYPER-PERSONALISATION

This session explores the practical deployment of AI and intelligent automation across mortgage operations, focusing on how institutions manage AI agent workforces and achieve productivity gains. Alongside operational scaling, we examine the security foundations required for autonomous lending—including AI-driven fraud detection, document verification, and explainability—while also highlighting how real-time behavioural data and Shared Value frameworks enable hyper-personalised products that adapt to a borrower's life stages.

6 AI-powered lending, AI-powered fraud: building trust in autonomous mortgages

JAN SYRINEK | Head of Product | Resistant AI, Czech Republic

7 The KB Group mortgage story: doubling productivity through mergers, digitisation, and AI

JAROSLAV ŠEVČÍK | COO, Housing Finance | KB Group, Czech Republic

TOMÁŠ URBAN | Housing Tribe Leader | KB Group, Czech Republic

8 Orchestrating the machine: tools for managing an AI agent workforce

MÁTÉ JENDROLOVICS | Founder & CEO | Intuitech, Hungary

9 Hyperpersonalisation in action: redefining home loans through shared value

ANGELA GLOVER | Head of Product: Secured Lending | Discovery Bank, South Africa

PANEL DISCUSSION

The trust crisis – explainability in the age of autonomy

Day two | Thu 5 Nov 2026 | Morning

FROM SOCIAL IMPACT TO SYSTEMIC TRANSFORMATION

With sustainability, inclusion, and digital trust becoming core design principles, lenders are rethinking how mortgages are delivered end-to-end. This session explores how adaptable lending platforms, cloud-native architectures, regulatory workflows, and automated core operations are reshaping mortgage ecosystems. Moving from incremental change to systemic transformation, institutions lay the foundation for next-generation lending experiences while balancing hyper-digitised regional markets with traditional legacy environments.

10 AI in action — how a mortgage brokerage runs on AI today

KARL DEETER | CEO | OnlineApplication, Ireland

11 From scratch to prod: building a 100% digital mortgage in a 6-month cloud sprint

JAKUB DĄBROWSKI | Digital Mortgage Product Manager | UniCredit, Poland

12 Addressing access to home ownership: technology vs. proposition vs. regulation

GRAHAM MCCLELLAND | CEO | Gen H, UK

13 Scaling digital trust: Swedbank’s strategy for the Baltic region

MARIKA TOMA | Mortgage Area Manager | Swedbank Baltics, Latvia

AGNIEŠKA VRUBLIAUSKIENĖ | Mortgage Area Manager | Swedbank, Lithuania

14 Bridging tradition and innovation: the Bank of Cyprus digital housing loan journey

PANICOS DIAOURIS | Manager Consumer Banking Products & Segments | Bank of Cyprus, Cyprus

Day two | Thu 5 Nov 2026 | Afternoon

DIGITAL ECOSYSTEMS & REGIONAL TRANSFORMATION

Digital mortgage transformation is shifting from isolated upgrades towards interconnected ecosystems and national infrastructures. This session explores how regional leaders leverage state e-identity, open APIs, and modernised decisioning engines. From utilising government identity systems for paperless origination to scaling omnichannel journeys and developer integrations, we examine how institutions eliminate friction and accelerate lending across advancing markets.

15 From paper to platform: how ABB bank digitised mortgage origination with state digital identity

ZAKIR MAMMADOV | Mortgage Tribe Tech Lead | ABB Bank, Azerbaijan

16 Partnerships and progress: how mBank is digitising the Polish mortgage journey

KATARZYNA GRALEWICZ | Manager, Customer Experience & Mortgage Processes | mBank, Poland

ILONA SZCZAPIŃSKA | Manager, Mortgage Credit Analysis Unit | mBank, Poland

PANEL DISCUSSION

2028–2030 vision: global lessons in frictionless, ecosystem-led lending

| Sponsored by |

SYNChome Sponsors & Partners

Evrotrust is an electronic identity and trust service provider with a mission to help businesses and governments transform their processes and develop sustainable digital channels. The Evrotrust platform is an end-to-end solution for remote on-boarding and digital signing that enables users to remotely register and authenticate for any service using only their smartphone. It is easily integrated to third party backend systems and mobile applications. Working with Evrotrust empowers any organisation to provide excellent user experience while staying compliant with regulations and keeping fraud away.

Resistant AI document fraud detection software can check any document (from anywhere) for fraud and authenticity. In seconds. Trained on over 200 million documents, their AI gives onboarding, underwriting, and risk teams bionic eyes to detect invisible document fraud in bank statements, utility bills, certificates of incorporation, and virtually any other document requiring verification. Never seen it before? In a different language than you're used to? Resistant AI can verify it. They transform gut feelings into confident, evidence-based decisions tailored to each organisation's risk appetite. Dun & Bradstreet, Payoneer, Close Brothers, and PennyMac are just a few of their customers who have achieved up to 3x less fraud, 5x faster review times, and a 90% reduction in manual reviews, delivering positive ROI in just a few months. Make your documents Resistant today.

Intuitech is Europe's #1 in banking and insurance operations and back-office automation. They are a team of 250+, working with 8 of the 25 largest EU banking groups and leading insurers across 15+ markets. Their platform, OpsAI, automates complex, document-heavy operations end to end, and builds a tailored automation engine for each institution. It covers 20+ operations domains, including retail, SME and corporate lending, KYC, claims and policy management, and will handle 840K+ cases a year by the end of 2026. Their clients see 30-40% efficiency gains in FTE terms, 20%+ volume growth driven by a better customer experience, 98%+ accuracy, and market-leading token efficiency thanks to their composite AI technology.

| In partnership with |

Stacc is the next-generation credit and lending platform: credit-native and AI-assisted. Built cloud-native in one of the most digital and regulated financial markets, Stacc combines scalability and flexibility across origination, management and back-office operations. Lenders get composable modules, globally recognised credit decisioning IP, 200+ pre-built integrations and native compliance with a complete audit trail on every case, while proven automation widens the straight-through track so case handlers focus only on what needs them. Over 115 financial institutions run on Stacc, 70+ of them on Stacc mortgage software, with live Tier 1 production across the Nordics and 200+ credit and technology experts behind it.

| Trusted by |

SYNChome supported by

SYNChome | Venue

| Venue |

Prague delivers more than just stunning sights—it provides a vibrant, dynamic backdrop for global connection. To maximise your time and networking, the Grand Majestic Hotel Prague is our carefully selected 2026 venue. Its central location and premium amenities guarantee a comfortable, relaxing base, making your entire visit effortless.

You'll find elegant meeting spaces, superb dining options, and attentive hospitality steps away from Prague’s famous landmarks.

Hotel Contacts

Hotel Directions