We are pleased to announce that, effective today, the Banking 4.0 Early Bird campaign is officially open. Participants will benefit from an exclusive 25% discount as part of this limited-time offer. We encourage early registration, as the campaign will conclude on October 9, 2025.
Banking 4.0 has grown year after year into one of the most relevant fintech & banking innovation event in South-Eastern Europe. Each edition, we challenge ourselves to make it stronger, more impactful, and more valuable for our community.
The financial industry is changing faster than ever. From AI-driven innovation to embedded finance and lifestyle ecosystems, banks, credit unions, insurance companies and fintechs must adapt to stay ahead.
That’s why Banking 4.0 is back this November — bringing together 350+ C-level executives and 30+ international speakers from across banking, fintech, payments, insurance, telco, retail, and technology.
This year’s theme: From Utility to Lifestyle — how financial services evolve from transactional to experiential, seamlessly integrating into the way people live, work, and consume.
Why join Banking 4.0?
. World-class insights: Learn directly from global thought leaders shaping AI, payments, digital banking, and new business models.
. Powerful networking: VIP cocktail, executive roundtables, curated matchmaking, and unique cultural experiences in Sinaia.
. Regional impact: Connect with decision-makers from 15+ countries in South-Eastern Europe.
. Proven ROI: As our partners said:
„Banking 4.0 has evolved extremely nicely in a sense that it’s bringing now together not only the major stakeholders, players and enablers of the payment ecosystem in Romania, but increasingly is bringing together these actors from Central Eastern Europe and beyond.” — Catalin Cretu, General Manager at Visa Europe, Bulgaria, Croatia, Slovenia and Romania.
„It’s a great event. To be honest, I think that Sinaia with your conference is much better than Davos.” — Dariusz Mazurkiewicz, the CEO of BLIK (Poland).
Thought Leadership: Shaping the Next Decade of Banking
The move from utility to lifestyle is not just a slogan — it reflects the profound shift in how financial services will be consumed in the next decade. Customers will no longer think of banking as a standalone activity; it will be embedded into their daily choices, from mobility and retail to healthcare and leisure.
At Banking 4.0, we go beyond the buzzwords to explore practical adoption:
How AI will reshape customer trust, compliance, and personalization.
What SEPA 3.0 means for banks, fintechs, and the European payments landscape.
How lifestyle ecosystems will redefine competitive advantage.
This is not theory — it’s about strategies you can act on, shared by leaders who are building the future today.
„This year’s theme, From utility lo lifestyle, challenges the industry to step up as lifestyle partners, empathetic advisors, and community builders, transforming banks from service providers into meaningful, trusted presence.” – said Sergiu Cone, Banking 4.0 organizer.
He continues: „Customers demand financial brands that go beyond functionality to align with their values, emotions, and aspirations. As digitalization becomes a given, the next frontier is creating life-centric banking experiences. Tomorrow’s banking won’t just be used – it will be lived. It will be seamlessly embedded in every decision, every moment, effortlessly. From infrastructure to experience. From service to story.”
Agenda Highlights
AI in Banking: Opportunities, challenges & practical adoption
Embedded Finance & Invisible Banking: Meeting customers where they are
The Lifestyle Bank: From utility to lifestyle ecosystems
Payments Innovation: Towards SEPA 3.0 and beyond
See the full agenda here
Don’t Miss Out
„What happens when financial tools are invisible, embedded, and human-first? Come to Banking 4.0 to find-out. This is not just a conference – it’s a blueprint for the next generation of finance.” – concludes Sergiu Cone.
Banking 4.0 has always been about community. With many of last year’s participants already confirming their seats, make sure you secure yours at the Early Bird rate before it’s gone.
Secure your place today: Get Ticket
Join leaders from BLIK, BRD-Groupe Societe Generale, CEC Bank, Evrotrust, Garanti BBVA, GFT Technologies, FME-Group, IT Smart Systems, MOOV Leasing, Salt Bank, Symphopay, Thales, Visa, Zitec and more. Together, we’ll shape the future of finance in South-Eastern Europe, and beyond.
📍 Sinaia Casino, Romania
📅 25–27 November 2025
Banking 4.0 – „how was the experience for you”
„To be honest I think that Sinaia, your conference, is much better then Davos.”
Many more interesting quotes in the video below:
