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Unlocking the power of digital mortgages

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4-5 November 2026 | Prague

Featuring  |

SYNChome featuring
Headshot of Plamena Toteva, Managing Director Mortgage Market at DSK Bank.
Click to visit the LinkedIn profile of Plamena Toteva, Managing Director Mortgage Market at DSK Bank.

PLAMENA TOTEVA

Managing Director
Mortgage Market


DSK Bank | Bulgaria

Headshot of Hanna Heinonen, Director, Secured Consumer Loans at OP Financial Group.
Click to visit the LinkedIn profile of Hanna Heinonen, Director, Secured Consumer Loans at OP Financial Group.

HANNA HEINONEN

Director,
Secured Consumer Loans


OP Financial Group | Finland

Headshot of Panicos Diaouris, Manager Consumer Banking Products & Segments at Bank of Cyprus.
Click to visit the LinkedIn profile of Panicos Diaouris, Manager Consumer Banking Products & Segments at Bank of Cyprus.

PANICOS DIAOURIS

Manager Consumer Banking
Products & Segments


Bank of Cyprus | Cyprus

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Click to visit the LinkedIn profile of Zakir Mammadov, Mortgage Tribe Tech Lead at ABB Bank.

ZAKIR MAMMADOV


Mortgage Tribe Tech Lead

ABB Bank | Azerbaijan

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    Reimagining home buying and selling through connected experiences

LEANNE GRANGE  |  Customer Journey Manager  |  NatWest, UK

IAN ERSKINE  Customer Journey Manager  |  NatWest, UK

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    Renovating the future: green 2.0 and the ESG data workflow

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  Making mortgage transformation work: platforms that adapt in real time

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

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  Paperless origination via state digital identity: ABB Bank’s digital housing ecosystem

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

16  Ecosystem-led lending: scaling digital mortgages through omnichannel architecture and agile decisioning

PANEL DISCUSSION

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

ISponsored by  |

SYNChome Sponsors & Partners
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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.

Logo of Intuitech.

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 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].

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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.

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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?

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