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Unlocking the power of digital mortgages


9-10 November 2023 | Prague

SYNChome top

Featuring  |

SYNChome2023 featuring
Headshot of Giuseppe Gastone, Head of Digital Retail Lending Transformation at Banca Sella.
Click to visit the LinkedIn profile of Giuseppe Gastone, Head of Digital Retail Lending Transformation at Banca Sella.


Deputy Head of

Banca Sella | Italy

Headshot of Erik Edin, Co-Founder & CEO at Homevest.
Click to visit the LinkedIn profile of Erik Edin, Co-Founder & CEO at Homevest.



Homevest | UK

Headshot of Marcin Konkel, Mortgage Chief Product Owner at mBank.
Click to visit the LinkedIn profile of Marcin Konkel, Mortgage Chief Product Owner at mBank.


Chief Product Owner

mBank | Poland

Headshot of Cristina de Marcos, Mortgages Area Lead at ING Spain.
Click to visit the LinkedIn profile of Cristina de Marcos, Mortgages Area Lead at ING Spain.


Area Lead

ING | Spain

Headshot of Kaspars Sausais, Mortgage Growth Unit Manager at Luminor.
Click to visit the LinkedIn profile of Kaspars Sausais, Mortgage Growth Unit Manager at Luminor.


Mortgage Growth Unit

Luminor | Latvia

Headshot of Esther Morley, MD, Specialist Residential at LendInvest.
Click to visit the LinkedIn profile of Esther Morley, MD, Specialist Residential at LendInvest.


Specialist Resi

LendInvest | UK

Headshot of Rui Lima, Finsolutia's Chief Marketing Officer.
Click to visit the LinkedIn profile of Rui Lima, Finsolutia's Chief Marketing Officer.


Marketing Officer

Finsolutia | Portugal

SYNChome 2023 | PD1

Programme  |

Day one  |  Thu 9 Nov 2023  |  Morning


What is it like to get a mortgage in different countries across the world? Home loans' designs and characteristics, as well as the home buying process, vary from country to country due to inhomogeneities of economic and regulatory environments, and level of digitalisation, among other factors. Some banks have had great success transforming the mortgage experience, and are thus better prepared to help customers even during these challenging times: each with their alternative ways of getting people onto the property ladder.

1    Europe's mortgage markets: funding the hope for a better & greener future

LUCA BERTALOT  Secretary General  |  EMF-ECBC, Belgium

2    A true tale from Estonia: LHV’s success story

CATLIN VATSEL  Head of Retail Financing  |  LHV Pank, Estonia

3    Digital mortgages crafted in Italy

GIUSEPPE GASTONE  Deputy Head of Retail&Affluent  |  Banca Sella, Italy

4    Made in Finland: from application to withdrawal in less than 24h

TERO KANGAS  |  Managing Director  |  Sp Mortgage Bank, Finland

5    Europe's cross border mortgage market

ERIK EDIN  Co-Founder & CEO  |  Homevest, UK

Day one  |  Thu 9 Nov 2023  |  Afternoon


Unlike the traditional in-person experience, the digital home loan process can take place across channels and touchpoints: this multiplies possibilities for friction that can ultimately result in a negative mortgage customer experience. But in the middle of difficulty lies opportunity. How to master the fine art of achieving a seamless customer journey - from beginning to end - to stand out competitively? Offering the convenience of technology without losing the personal touch necessary to ensure the customers’ needs are met might be the key, and there are various tools that can help accomplish this.

6    Mortgage trends 2024: what will shape the future of EU mortgages?

GEERT VAN KERCKHOVEN  Co-Founder & CEO  |  Oper, Belgium

7    What does a digital mortgage transformation journey look like?

MARCIN KONKEL  |  Mortgage Chief Product Owner  |  mBank, Poland

8    Creating a customer experience ahead of the curve

CRISTINA DE MARCOS  Mortgages Area Lead  |  ING, Spain

9    Mortgages are made easy for everyone

MIGUEL MADEIRA  CTO  |  Finsolutia, Portugal

RICARDO RODRIGO  Business Development Director  |  Finsolutia, Portugal

FRANCISCO FERREIRA LIMA  Mortgage Marketing Director  |  Caixa Geral de Depósitos, Portugal


Simplifying the mortgage journey

Day two  |  Fri 10 Nov 2023  |  Morning


In a time of evolving technological developments and customer expectations, mortgage lenders who are still using manual processes or systems that do not support automation are finding it difficult to keep up with their competitors: the large volumes of data and documentation involved in the application, approval, risk analysis and underwriting process can be time consuming and inefficient, resulting in slow performance and a poor customer experience. How to unlock previously siloed systems and create automation opportunities within the lending process, as well as new efficiency opportunities and avenues for improved service?

10  Enabling a world class mortgage experience with a smooth renovation journey

THIBAUT NIVELLES  |  Founder & CEO  |  Setle, Belgium

11  Thinking big beyond the familiar territory of home lending: building a robust ecosystem strategy

ZOUHAIR ERRACHIDI  |  CIO  |  Wafa Immobilier, Morocco

ANAS SBAI  |  Director of Transformation, Operations & IT  |  Wafa Immobilier, Morocco

12  Turning potential into reality: unveiling the success story of mortgage growth

KASPARS SAUSAIS  |  Mortgage Growth Unit Manager  |  Luminor, Latvia

13  Digital mortgage revolution in Slovakia

TIBOR ZAVADIL  |  Founder & CEO  |  DigFin, Slovakia


How can technology help mortgage lenders in a higher interest rate environment?

Day two  |  Fri 10 Nov 2023  |  Afternoon


The decision to buy a home is among the most momentous a person or family can make in their lifetime, yet there is a shocking lack of support for those embarking on this journey. First-time buyers, especially, have no idea where to start, nor whom to trust. Too many in the public sector feel priced-out, powerless to secure the homes they need and the financially secure futures they want. Technology has much to offer the homebuying process, but the customer journey can’t get going unless people – buyers and sellers – know where to begin.

14  The real value of innovation in mortgages and tailored product development for underserved customer segments

ESTHER MORLEY  MD, Specialist Residential  |  LendInvest, UK

15  Helping first-time buyers find their way homeage: learning lessons from the Horizon2020 C-REAL project

JORIS PIETTE  Project Manager  |  Onesto, Belgium


Unlocking the door to home ownership

Sponsored by  |

SYNChome | Sponsors & Partners
Logo of Oper.

Oper is a leading Belgian-Swiss cloud-based software provider with the mission to deliver the best-in-class mortgage experiences through digital channels. Its aim is to break down the barriers between lenders and borrowers by providing cutting-edge technology that supports both parties throughout the mortgage journey. Oper’s digital mortgage solution is delivered to leaders in multiple European countries, enabling digital-first distribution with a seamless process from contact to contract.

Logo of Finsolutia.

Finsolutia is a leading technology-driven service provider in Iberia, offering independent Loan and Real Estate management services through innovative business processes and disruptive proprietary technology, currently managing approximately €6bn of assets from some of the largest banks and institutional investors in the Credit and Real Estate industries. Its Lending as a Service solution enables financial institutions to automate and streamline complex lending processes, reducing costs, shortening process duration, and improving overall customer service in a more efficient, fully compliant and secure environment (ISO 27001 & 27701 and S&P Above Average rating on residential mortgages).

Logo of Setle.

Setle is a Belgian based software development company. Their all-in-one renovation app gives a thorough support in the pre-buying phase of renovation property. An easy-to-use interface that allows everyone get insights on the renovation costs and plan a renovation process in line with the European sustainable transition requirements. With real-time data and user-friendly features, Setle empowers renovators to make better decisions and create transparency. From energy efficiency to maximising property budget, Setle makes ESG renovations worry-free.

Logo of DigFin.

DigFin (Digital Finance) is a FinTech startup committed to advancing financial digitalisation. Their flagship product, a state-of-the-art digital mortgage aggregator platform (100% online service), significantly simplifies mortgage applications, saving clients time and money while reducing operational costs for banks via digital processing. After successful market validation in Slovakia, DigFin is expanding internationally and actively seeking strategic partnerships with banks, brokers, and real estate agencies across Central Europe. Join them as they reshape the future of financial services, making them more accessible and efficient through the power of digital innovation.

Trusted by  |

SYNChome supported by
Logo of OnlineApplication.
Logo of Banca Sella.
Logo of mBank.
Logo of Luminor.
Logo of Wafa Immobilier.
Logo of Banka Kombetare Tregtare.
Logo of OP Financial Group.
Logo of MeDirect Bank.
Logo of Credit Exchange.
Logo of EMF-ECBC.
Logo of Caixa Gearal de Depósitos.
Logo of LendInvest.
Logo of Renergia.
Logo of Modrá pyramida stavební sporitelna.
Logo of Neo Hypotheken.
Logo of Raiffeisen stavební spořitelna.
Logo of Coop Pank.
Logo of Komerční banka.
Logo of Econans.
Logo of LHV Pank.
Logo of Homevest.
Logo of ING.
Logo of Onesto.
Logo of Swedbank.
Logo of NLB.
Logo of De Hypotheker.
Logo of Postbank.
Logo of Ameriabank.
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 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.

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?

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