Under the motto «Digital Finance 2030: The Human-Centric Ecosystem», the third G+D Netcetera Digital Banking Summit took place in Zurich on March 12. It attracted a record number of 130 guests and partners from the financial sector and featured exciting workshops, presentations, and discussions.
Co-founder of DAB & Fidor Bank, reinventing “financial entertainment” with Tradelite & Mogaland
For more than 25 years, Matthias “MK” Kroener has the mission to innovate and disrupt the financial services industry. Via his company “Professional Development GmbH” he is an active "company creator".
Past projects are the creation of FIDOR Group including Fidor Bank (global fintech development pioneer, often called as the "oldest Fintech Bank of the world") and Fidor Solutions as well as DAB Bank and the open market banking market place Efficient Scale. Within Fidor Bank and DAB Bank mk served as CEO.
Founding two banks, Matthias does have a strong experience in corporate finance actitivities, including the IPO of DAB Bank in 1999, the acquisition of Selftrade in 2000, the acquisition of shareholders for Fidor Group and finally the tradesale of Fidor in 2016.
As a thought leader, MK is known as an inspirational keynote speaker.
Designing Digital Systems around People explores how systems thinking can help financial institutions move beyond siloed solutions toward truly human-centric digital experiences. As digital becomes the default channel, Customers no longer experience banking, identity, payments, or wealth management in isolation; they experience one interconnected system in which trust is continuously built or lost.
Why is optimizing individual products or features no longer sufficient in a world defined by constant change, rising complexity, and growing customer expectations? By shifting from a product view to a life view, and from point systems to ecosystems, the challenge falls to financial institutions to rethink their role in the digital world: not just as service providers, but as trusted participants in a living system designed around people.
Dominik Wurzer, G+D Netcetera
Sarah Braun, Bank Cler
Rethinking Identity in Digital Banking
Based on our global experience across mature and emerging markets, this session explores how digital banks can design joined-up identity journeys that are secure, consistent, and recognisably human. Verify your customer’s identity once, then remember them. Make secure digital identity journeys easier and more consistent across devices. Authenticate your customer as a person. As AI-driven fraud and deepfakes become mainstream, the challenge is no longer just stronger authentication, but smarter identity continuity.
Eric Gilmore, Daon
Session will be held in English
Aleksandar Nikov, G+D Netcetera
We are witnessing the transition from classic chatbots to agentic AI, software capable of interpreting intent, reasoning through complex steps, and taking autonomous action under strict policy. Banks have a strategic opportunity to capture new growth by evolving into the trusted decision engine behind retail moments, integrating identity, financing, and risk management across the entire consumer journey. Rather than merely building smarter chatbots, financial institutions must focus on creating a secure delegation layer where AI-driven commerce remains authorized, explainable, and accountable.
Session will be held in English
The role of banks in a connected and user-oriented ecosystem