Banking 4.0 Summer School continued with a really insightful day of sessions on June 11.
Enrico Bagli’s approach to credit risk decisions was especially interesting — rather than just focusing on refining algorithms, he emphasized enriching models with diverse contextual data layers like business networks, geospatial info, and transaction flows. This holistic 360° network view via a web app seems like a smart way to boost predictive accuracy while respecting GDPR constraints. The fact that it’s supported by fresh research on balancing AI with data privacy regulations adds strong credibility.
Also, Ioana Serban’s focus on marketing in an AI-first future and Meital Raviv’s next-gen banking perspective must have complemented the theme nicely. And risk management insights from Toma Pinchis likely tied the whole picture together.
Ioana’s point about breaking down silos between marketing, product, and customer service into one seamless strategy feels spot on — especially in an AI-driven world where personalized experiences are everything. The reminder not to blindly mimic the giants, but to lean into meaningful personalization for your specific segments, is such a practical and refreshing mindset. It’s a call to build from where you are, not where others seem to be.
Meital’s real-world AI transformation story sounds like a textbook example of how tricky scaling innovation can be — enthusiasm and ideas alone aren’t enough. The “use case factory” concept is great in theory, but the gap between awareness and actual adoption is a reality check. Speed of implementation and genuine engagement across teams really make or break these initiatives. That honest take is invaluable for anyone driving AI change in complex organizations.
„The bottom line, culture eats strategy for breakfast also … timing is everything” – concludes Meital.
Toma Pinchis’s comments on the future of risk specialists as generalists resonate deeply — with everything so interconnected, it makes sense that people will need to cross traditional boundaries. A marketing person grasping risk, and a risk person understanding clients, speaks to a holistic approach needed in banking and finance now.
Such an intense and insightful day wind down with good music, delicious food, and the warmth of a campfire create the ideal setting for relaxed conversations and maybe even some spontaneous brainstorming.
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:
