Baltic Fintech Days Agenda

We stay ahead of the game, so you can too. The Baltic Fintech Days agenda is designed to anticipate what’s coming next in our industry. Get the insights you need to outpace your competition. Take a look at what we’ve lined up for you below.

Wednesday April 2

09:00-

11:00

Investors Breakfast @ Baltic Fintech Days (sign up required)

Kickstart your Baltic Fintech Days experience with morning coffee, sharp insights, and fintech changemakers at our Investors Breakfast – the official side event designed for investors looking at what’s next in fintech. Join fellow investors and industry experts as we explore the latest fintech trends with our special guests: Mike Sigal (Venture studio Family), Anna Pavlovska (Fintech Hub LT), Agnė Klimavičienė (Invest Lithuania), Kanishk Walia (MiddleGame Ventures). Let’s talk about emerging opportunities, and global market shifts shaping Lithuania and beyond. Expect thought-provoking discussions, fresh perspectives, and high-value networking in an informal yet dynamic atmosphere. Fintech is evolving fast – let’s stay ahead together. Register now.

Location: ROCKIT VILNIUS, Gynėjų str. 14

09:00-

12:00

Lithuania-Poland Fin Bridge: Shaping the Future of Innovation and Collaboration (sign up required)

We are pleased to invite you to the Lithuania-Poland Fin Bridge, a premier business forum dedicated to strengthening innovation and collaboration between the fintech ecosystems of Lithuania and Poland. This event will bring together industry leaders, experts, and policymakers to explore growth opportunities, enhance competitiveness, and discuss key trends shaping the future of fintech. Event Highlights: ✅ Expert insights on the innovation landscape in Poland and Lithuania ✅ Panel discussions on fintech growth, competitiveness, and cybersecurity risks & opportunities ✅ Presentation by the Bank of Lithuania ✅ Networking and business matchmaking with key stakeholders RSVP : https://fintechpoland.com/en/single-event/lithuania-poland-fin-bridge-shaping-the-future-of-innovation-and-collaboration/

Location: Polish Embassy, Šv. Jono g. 3, Vilnius

12:00-

14:00

Pitch Slap Academy Exclusive Workshop (sign up required)

The hard truth: most founders don't learn how to play the fundraising game until it's too late. Ghosted by VCs, burning runway on dead-end coffee chats, watching mediocre startups raise millions while you can't get past first base. Mike Sigal has lived both sides of the table – 4 successful exits as a founder, 80+ investments (including 3 unicorns) at 500 Startups – and knows what actually moves investors to action. In this exclusive 2-hour workshop, he'll share key insights from Pitch Slap Academy's proven methodology for transforming exceptional founders into unstoppable fundraisers. You'll discover what really motivates investors (hint: it's not your product), how to craft a magnetic narrative that resonates, and build an ideal investor profile that saves months of wasted meetings. Plus, learn cutting-edge strategies for using AI to accelerate your fundraising process. Perfect for pre-seed to Series A founders with at least 6 months of runway. Limited spots available to ensure hands-on attention.

Location: ROCKIT VILNIUS, Gynėjų str. 14

Mike Sigal

12:30-

14:00

Exclusive VIP Lunch hosted by Invest Lithuania (by invitation only)

Over the past decade, Lithuania has established itself as Europe’s leading fintech hub, issuing the highest number of licenses and fostering a dynamic, innovation-driven ecosystem. This invite-only event will bring together key decision-makers, leading fintech companies already operating in Lithuania, and potential future market participants to discuss opportunities within this thriving landscape. Why attend? ✔️ Insights from Lukas Savickas, Minister of the Economy and Innovation, and Elijus Čivilis, General Manager of Invest Lithuania ✔️ High-level networking with key players shaping the future of fintech in Europe

Location: Restaurant Neringa (Gedimino av. 23, Vilnius)

14:30-

17:00

Fintech for Defence: Mobilising Retail and Institutional Capital for Lithuania’s Security (sign up required)

As Lithuania navigates an evolving security landscape, innovative financing solutions are needed. This side event of Baltic Fintech Days 2025 will explore how fintech can unlock new sources of capital—both retail and institutional—to support national defence. Join us to shape the future of defence funding. Event language: Lithuanian 🇱🇹 Event is free, but registration is required. Register here: https://forms.office.com/e/MAdXmuJqWk

Location: Axiology headquarters (Aukstaiciu g. 7, Vilnius)

Martynas Pilkis

15:00-

17:00

Buddy Walking Tours of Vilnius (signup required)

Want to experience Vilnius like a true insider? Join our Buddy Walking Tours during Baltic Fintech Days and explore the city’s highlights with a local fintech enthusiast as your guide to: ✅ Explore Vilnius’ most beautiful and historic spots ✅ Soak in the city’s unique vibe and culture ✅ Connect with local fintech minds shaping the Baltic ecosystem Whether you're here for the first time or just want a fresh perspective, these buddy tours will match you with someone who knows the city inside out. Spots are limited, don’t miss your chance to see Vilnius in a whole new way! 🚶‍♂️✨

Location: Steps at Vilnius City Hall

15:00-

16:30

Fintech PR Playbook: How to Gain Global Media Attention (sign up required)

In today's competitive fintech landscape, securing international media coverage is crucial for scaling and establishing trust credibility. But how do you cut through the noise and position your startup on the global stage? Join us for the session "Fintech PR Playbook: How to Gain Global Media Attention" on 2 April in Rockit, led by Julija (JJ) Jegorova, Founder of Black Unicorn PR. Learn insider strategies, proven tactics and real-world case studies that will help your startup attract the attention of both trade and top-tier media. Following the session, stay for a panel discussion featuring journalists Anda Asere (Labs of Latvia, Finday.lv) and Tarmo Virki (Nature Backed pod, ex-Reuters), who will share their perspectives on fintech storytelling, media relations, what makes them ick and tick, and what journalists look for in a compelling story. This is a must-attend session for fintech founders, marketing professionals, and anyone looking to amplify their startup’s global reach through PR. 🦄 3pm-3.45pm: "Fintech PR Playbook: how to gain global media attention" practical session with Julija (JJ) Jegorova, Black Unicorn PR 🎙️ 3.45-4.30pm: panel discussion with Anda Asere and Tarmo Virki 🚨 GRAB YOUR (FREE) TICKETS AND REGISTER: https://lu.ma/vy97u4fz 🚨

Location: Rockit Vilnius, Gynėjų g. 14, Vilnius, 01109 Vilniaus m. sav.

Julija (JJ) Jegorova

Anda Asere

Tarmo Virki

16:00-

17:30

Baltic Fintech Days NEWS POP-UP (sign up required)

NEWS POP-UP PRESS EVENT. Get popped-up with the latest news and insights from market players! We’re breaking down barriers between speakers and the audience — creating an informal space for sharing the latest market news and meaningful conversations. What to expect? Hear the latest updates from industry leaders Ask questions and engage directly with experts Participate in an open dialogue within the ecosystem NEWS POP-UP event speakers: Patrik Havander, Head of Visa Direct Nordic and Baltic; Justinas Lasevicius, TransferGo co-founder and General Manager TransferGo Business; Asta Grigaityte, Chairwoman of the Fintech HUB LT Board ; Tadas Češkevičius, Chief Business Development Officer at AMLYZE; Liudas Kanapienis, Ondato co-founder and CEO; Marius Galdikas, Connect Pay CEO Saulius Žlabys, VP Payments and Country Manager at Payhawk. Join us and get your news first! Register for the event here: https://docs.google.com/forms/d/1Q7kNdnKIKHwFZSznMYAoJfDucaJz-zAnCFAgZgERxng/edit.

Location: Talent Garden Office, Vilniaus st. 33, Vilnius

18:00-

21:15

VIP Event (by Invitation only)

Join us for a night at the opera on April 2 from 18:00 to 21:15 at the Lithuanian National Opera and Ballet Theatre. Enjoy an evening of networking, culture, and fine entertainment, starting with a reception featuring classic canapés, followed by a stunning Ballet Triptych performance. Please note that this event is exclusively for Speakers and Partners

Location: Lithuanian National Opera and Ballet Theatre, A. Vienuolio g. 1, Vilnius, 01104 Vilniaus m. sav., Lithuania

19:00-

23:00

Baltic Fintech Days Preparty (sign up required)

Kick off Baltic Fintech Days with an evening of casual conversations and good company. Join us at Bar Biblioteka to connect with fellow attendees, exchange ideas, and enjoy a relaxed atmosphere before the main event. No agenda, no commitments—just great discussions over drinks. Don't forget to RSVP!

Location: Didžioji g. 27; Bar Biblioteka

Thursday April 3

07:15-

08:00

Baltic Fintech Days Morning Run. (sign up required)

Start your day with energy and movement. Join us for a 45-minute guided run near the Town Hall, featuring a warm-up, running drills, and expert tips from a professional coach. Whether you're up for a light jog or a structured workout, this session adapts to the weather – just bring your running shoes and a good mood. Don't forget to RSVP. In case of very bad weather, the event may be canceled the night before. Registered participants will be notified accordingly.

Location: At the steps of Vilnius City Hall

Milda Bylaitė

11:00-

12:00

The Untold Story of the Hidden Engine Behind Global Payments (sign up required)

This will be a classic tale of the payment industry: a financial institution meets a tech-savvy payments expert. Through candid conversations and a few hard truths, they navigate the crowded sea of all the options out there & confesses the twists and turns in the payment acquiring journey. Ultimately uncovering what it really takes to build a strong, scalable, and lasting payment acquiring processing partnership, who else is involved and what's the key to hold that success.

Location: Vilnius City Hall – Mayor's Office

Sharlote Leikuma

13:00-

14:00

The New Playbook of Financial Wellbeing: Why Financial Innovation Starts at Home (sign up required)

Dive into fresh insights on the challenges of new and expectant parents. Join us for a dynamic session where we share research findings, explore scalable prototypes, and brainstorm collaborative opportunities across fintech, policy, and beyond to shape the future of family support.

Location: Vilnius City Hall – Mayor's Office

Andreea Petrea-Schweiger

Rauno Pello

14:00-

15:00

Supercharging Financial Services with Open Source & MySQL (sing up required)

In the fast-paced world of financial services, innovation and efficiency are key. Open source is not just a trend; it’s a game-changer. In this session, discover how MySQL—trusted by the world’s largest financial institutions and tech giants—powers cutting-edge solutions that drive transformation across the industry. Learn how open-source collaboration is fueling new standards, enhancing security, reducing costs, and accelerating growth in financial services. From simplifying complex data management to fostering a more agile, transparent, and competitive ecosystem, MySQL is at the heart of it all.

Location: Vilnius City Hall – Mayor's Office

Vittorio Cioe

15:00-

16:00

VISA Side Event (SESSION FULL)

Join us for an exciting side event and some refreshments in the Mayor’s office. Visa is hosting a side event on the 3rd April in the Mayor’s office, and the Visa Fintech team is delighted to invite you! Enable the world with the most convenient way to get paid.

Location: Mayor’s office, City Hall

Bo Knoblauch

18:00-

19:00

Reception and Concert (open to all ticket holders)

After an intense day of insights, connections, and big ideas, it’s time to celebrate. Join us immediately after the Baltic Fintech Days closing for an evening of great conversations, good drinks, and live music. Unwind with fellow attendees, reflect on key takeaways, and continue the discussions in a more relaxed setting. The night will kick off with a reception, followed by a live concert to showcase the vibrant energy of the Baltic region. Stay, connect, and enjoy the moment. Open to all BFD attendees.

Location: Vilnius City Hall

19:00-

20:00

VISA Afterparty (by invitation only)

Join us for refreshments and networking after the conference! The Visa Fintech team is delighted to invite you to join us for Pre-Drinks and Mingle prior to the afterparty at Trinity restaurant.

Location: Restaurant Trinity, Vilniaus str. 30

20:00-

00:00

Baltic Fintech Days Afterparty (sing up required)

Join us for an evening of music, drinks, and great conversations at Trinity Club as we wrap up Baltic Fintech Days. It’s the perfect setting to unwind, reflect on the event, and connect with fellow attendees in a more relaxed atmosphere. And who knows—there might be a few unexpected surprises before the night is over. Don't forget to RSVP.

Location: Restaurant Trinity, Vilniaus str. 30

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Blended Finance
Cognitive Finance
Compliance Technology
Finance Everywhere
Money & Payments
Open Finance
Special Event
Lunch

April 3: Beyond the Stage – Fintech Side Events Hosted Across Vilnius

Visionary Stage

Time

Event name

08:00-

08:45

Registration

Start your Baltic Fintech Days experience with a warm welcome. Upon arrival, enjoy a cosy welcome drink and freshly baked pastries as you check in and collect your badge. This is your first opportunity to meet fellow attendees, connect with industry peers, and set the stage for an exciting day of insights, networking, and collaboration.

Track: Special Event

08:45-

09:00

Opening performance

Kick off Baltic Fintech Days with an electrifying opening performance that blends cultural heritage with modern energy. Experience a powerful showcase that sets the stage for a day of uninterrupted fintech brilliance, bringing together tradition and innovation in a way that reflects the dynamic spirit of the Baltic region.

Track: Special Event

09:00-

09:15

Baltic Innovation, Borderless Reach

The Minister of Economy and Innovation of Lithuania will open Baltic Fintech Days by sharing his vision for how the region can lead through green, digital, and innovation-driven growth. As a passionate advocate for change and evidence-based policymaking, his words will set the tone for a day focused on bold ideas, cross-border collaboration, and the next chapter of Baltic economic leadership.

Track: Special Event

The speaker(s)

Lukas Savickas

Minister of Economy at Ministry of Economy and Innovation of Lithuania

Type: Keynote Speaker

Keynote

09:15-

09:30

The Future of Finance

Finance is evolving at an unprecedented pace, driven by AI, blockchain, digital assets, and embedded finance. As regulation adapts, innovation is reshaping banking, payments, and investment. With digital-first consumers redefining expectations, this keynote explores the key trends, challenges, and opportunities that will shape the future of financial services.

Track: Cognitive Finance

The speaker(s)

Bob Wigley

Chairman at UK Finance

Type: Keynote Speaker

Keynote

09:30-

10:00

Smarter Threats, Smarter Defenses: How AI is Reinventing Financial Crime Prevention

Fraudsters are getting more sophisticated, but so are the defenses. AI is transforming fraud prevention by detecting threats faster, smarter, and more accurately than ever before. From real-time anomaly detection to predictive analytics, AI-driven solutions are reshaping how financial institutions stay ahead of evolving fraud tactics. This panel will explore how AI is being leveraged to combat fraud at scale, the challenges of balancing speed, accuracy, and compliance, and what’s next in AI-driven financial security. Is AI the silver bullet for fraud prevention, or does it come with its own risks? Let’s find out.

Track: Compliance Technology

The speaker(s)

Alexandre Pinot

Co-Founder | Head of Innovation & Strategy at AMLYZE

Type: Panelist

Mona Zoet

Founder and CEO at RegPac Revolution

Type: Moderator

Žygeda Augone

CISO at Swedbank Lithuania

Type: Panelist

Edita Pulkauninkė

Director at Squalio Lietuva at Squalio

Type: Panelist

Shirly Valge

Chief of Growth at Partisia Blockchain Foundation

Type: Panelist

Panel

10:00-

10:15

Empowering Businesses and Consumers: The Role of Fintech in Sustainable Growth and Responsible Consumption

How can fintech drive sustainable growth and responsible consumption? This session explores the role of financial technology in empowering businesses and consumers to make smarter, more ethical financial decisions. From green finance to responsible lending and embedded sustainability in payments, we’ll unpack how fintech is shaping a more conscious and future-proof economy

Track: Blended Finance

The speaker(s)

Modestas Tursa

VP of Payments at Vinted

Type: Fireside Chat Speaker

Gintarė Verbickaitė

CEO of Unicorns Lithuania at Unicorns Lithuania Association

Type: Moderator

Saulius Žlabys

VP Payments and Country Manager at Payhawk

Type: Fireside Chat Speaker

Fireside Chat

10:15-

10:30

CBDCs vs. Stablecoins: The Battle for the Future of Money

Central Bank Digital Currencies are emerging as a potential alternative to cryptocurrencies. They enlarge the digital money landscape, which also includes tokenised deposits and RWA. We'll examine the pros and cons of each approach and their potential impact on the global financial system

Track: Money & Payments

The speaker(s)

Joachim Schwerin

Principal Economist at European Commission

Type: Keynote Speaker

Keynote

10:30-

11:00

Who Gets to Invest? The Democratization of Wealth

The investment landscape is no longer reserved for the elite. Technology is breaking down barriers, giving more people access to markets that were once out of reach. From fractional ownership and tokenized assets to AI-driven wealth management and crowdfunding, new models are reshaping how and where people invest. This session will explore: How fintech is making investing more accessible to individuals and businesses The role of AI, blockchain, and embedded finance in democratizing wealth The rise of alternative assets—crypto, private equity, and tokenized real estate The risks and opportunities of a more open investment landscape The question is no longer who has access to investing, but who is ready to take advantage of it?

Track: Open Finance

The speaker(s)

Sigita Kotlere

CEO at Nectaro

Type: Panelist

Venu Palaparthi

COO at DriveWealth

Type: Panelist

Rolandas Juteika

CEO at Revolut Securities Europe

Type: Panelist

Laurynas Spangevičius

General Manager at Robinhood Crypto Europe

Type: Panelist

Kanishk Walia

Partner at MiddleGame Ventures

Type: Moderator

Panel

11:00-

11:15

Not another AI talk. This one’s actually about something else

Over the past decade, George has grown into one of Europe’s leading digital banking platforms, serving 11 million users across six countries. As the product lead behind this journey, I’ve faced challenges, breakthroughs, and unexpected lessons that shaped both the product and my leadership approach. In this talk, I’ll share five key learnings from scaling and evolving George, covering everything from customer-centric innovation to navigating complex ecosystems. Plus, I’ll offer a behind-the-scenes look at what’s next for George, giving you a glimpse into the future of digital banking. Whether you're in fintech, product management, or digital transformation, these insights will provide valuable takeaways for building impactful digital experiences.

Track: Open Finance

The speaker(s)

Isabella Frey

Managing Director at George Labs GmbH

Type: Keynote Speaker

Keynote

11:15-

11:30

Reimagining Cross-Border payments

Cross-border payments are still too slow, too expensive, and too complex. This keynote looks at what’s being done to fix that. From new infrastructure and technologies to smarter regulation, we explore what’s changing, and what’s holding the industry back. Who’s leading the way, and what does it mean for banks, fintechs, and users worldwide?

Track: Money & Payments

The speaker(s)

Patrik Havander

Head of Visa Direct Nordic & Baltic at Visa

Type: Keynote Speaker

Keynote

11:30-

11:45

Payments unleashed: the fintech-driven future

Money talks A journey through time: the evolution of payments Fintech: the game changer Tech trends shaping the future of finance The road ahead: challenges & opportunities Magnetiq Bank role: innovation in action

Track: Cognitive Finance

The speaker(s)

Jelena Jurane

Client Growth & Sales Innovation Head at Magnetiq Bank

Type: Keynote Speaker

Keynote

11:45-

12:00

Future-Proofing Core Banking Beyond Legacy

The financial services industry is under pressure to deliver seamless digital experiences, enhanced security, and scalable solutions. Legacy core systems are struggling to keep up. This panel brings together industry leaders to unpack the challenges, strategies, and successes in migrating core banking platforms to modern, modular, and cloud-native systems. From overcoming operational and technical hurdles to unlocking new revenue streams and reducing time to market, this session offers valuable insights for banks looking to stay competitive in a rapidly evolving landscape

Track: Cognitive Finance

The speaker(s)

Nelson Wootton

CEO and Co-Founder at SaaScada

Type: Fireside Chat Speaker

Dharmesh Mistry

Thought Provoker at Independant

Type: Keynote Speaker

Fireside Chat

12:00-

13:00

Lunch

Break

13:00-

13:15

From Saving Lives to Saving Finance: What Medicine Taught Me About Fixing Money

What can finance learn from medicine? Dr. Ozan, a medical doctor and fintech leader, shares the unexpected parallels between these two worlds, where diagnostics, risk assessment, and precision decision-making shape both patient care and financial systems. In this session, he’ll explore how medical thinking can bring fresh solutions to finance. Get ready for a unique perspective that challenges conventional industry silos and rethinks how we fix money.

Track: Blended Finance

The speaker(s)

Ozan Özerk

Founder at EMBank

Type: Keynote Speaker

Keynote

13:15-

13:45

Payments Rewired: What’s Broken, What’s Next, and Who’s Leading the Change

The payments landscape is evolving at an unprecedented pace, but efficiency, cost, and accessibility remain major challenges. Despite innovations in real-time payments, digital wallets, and embedded finance, bottlenecks in cross-border transactions, compliance, and interoperability still slow progress. This panel will dive into the biggest pain points in payments today and how technology, regulation, and market shifts are shaping the next wave of innovation. Are we truly moving toward a frictionless, instant, and borderless payment ecosystem, or are we just replacing old inefficiencies with new ones? Join top payments leaders as they tackle what needs fixing, what’s already working, and how the future of money movement is being redefined.

Track: Money & Payments

The speaker(s)

Renata Patiejunaite

Regional Director, Europe at iPiD

Type: Panelist

Thomas Holt Nielsen

Lead Senior Risk Advisor – Nordics & Baltics at Visa

Type: Panelist

Rainer Olt

Head of Payment & Settlement Systems Department at Eesti Pank (National Central Bank of Estonia)

Type: Panelist

Linas Beliūnas

Director of Revenue at Zero Hash

Type: Panelist

Greta Ranonytė

CEO at Fintech Hub LT association

Type: Moderator

Panel

13:45-

14:00

Why the Baltics? Ebury’s Bold Bet on Europe’s Next Fintech Hotspot

Ebury is making a strategic move into the Baltics—one of Europe’s most digitally advanced and fast-growing fintech regions. But why now? And what makes this market so compelling? In this fireside chat, Ebury’s Managing Director will share insights on the company’s expansion strategy, the opportunities they see in the region, and how they plan to support Baltic businesses with smarter cross-border payments and financial solutions. Expect a bold discussion on market potential, competition, and the future of fintech in the Baltics.

Track: Special Event

The speaker(s)

Kees Veerman

Managing Director – Europe, UK, Switzerland & Canada at Ebury

Type: Fireside Chat Speaker

Audrius Milukas

Co-founder @ smeBank & Partner @ Superhero Capital at smeBank, Superhero Capital

Type: Moderator

Fireside Chat

14:00-

14:30

Baltic Battleground: Competing for Talent, Innovation, and Hyperscalers in a Crowded Europe

The race for talent, investment, and tech giants is fiercer than ever. With Europe’s biggest fintech hubs vying for dominance, can the Baltics carve out a unique advantage? This high-stakes discussion brings together senior policymakers and industry leaders to explore how the region can attract top-tier talent, scale innovation, and position itself as the go-to destination for hyperscalers. Will collaboration across Estonia, Latvia, and Lithuania be the key to success, or is internal competition inevitable? Expect bold strategies, tough questions, and insights that could shape the region’s future.

Track: Special Event

The speaker(s)

Simonas Krepsta

Board member at Bank of Lithuania

Type: Panelist

Santa Purgaile

Deputy Governor at Latvijas Banka

Type: Panelist

Siim Tammer

Member of the Management Board at Finantsinspektsioon

Type: Panelist

Inese Lazdovska

CLO, CCO at Mintos

Type: Moderator

Jurģis Miezainis

Parlamentary Secretary at Ministry of Economics Republic of Latvia

Type: Panelist

Panel

14:30-

14:45

Open Finance 2030: The New Rules of Access, Innovation, and Control

The era of open banking is evolving into a broader open finance ecosystem, where data flows seamlessly across industries, financial services are embedded everywhere, and customers gain unprecedented control over their financial lives. But with greater access comes new challenges—who owns the data, who controls the infrastructure, and how do businesses stay ahead in an open, interoperable world? This session will unpack: ✅ How regulation is shaping the next phase of open finance ✅ The shift from open banking APIs to fully embedded financial experiences ✅ What financial institutions, fintechs, and platforms must do to stay relevant ✅ The role of AI, decentralized identity, and real-time data in open finance The future of finance is open, who will lead it?

Track: Open Finance

The speaker(s)

Julija Varneckienė

COO at CapitalBox AB

Type: Fireside Chat Speaker

Agneta Rumpa

Senior Associate at Sorainen

Type: Moderator

Fireside Chat

14:30-

15:00

The Future of Lending: Banks Are Losing, But Who’s Winning?

Traditional lenders are under pressure. Fintechs, AI-driven credit models, and decentralized finance are reshaping how money moves, who gets access, and what risk really means. As banks struggle with legacy systems and regulatory constraints, alternative lenders are stepping in with speed, flexibility, and new ways to assess creditworthiness. This session will challenge the status quo and explore: Whether banks can still compete in the lending space The rise of embedded finance and AI-driven credit models How decentralized finance and alternative lenders are changing the game What customers really want: faster approvals, fairer rates, and seamless access Is traditional lending on the way out, or can incumbents adapt before it's too late?

Track: Open Finance

The speaker(s)

Reinis Tenis

Cofounder at JEFF

Type: Panelist

Oliver Mohseni Skoglund

Co-founder at Froda

Type: Panelist

Toms Jurjevs

Founder & CEO at Sun Finance

Type: Panelist

Audrius Griškevičius

CEO and Co-Founder at Softloans

Type: Panelist

Edgars Kokins

Chief Revenue Officer at DelfinGroup

Type: Moderator

Panel

15:00-

15:15

Beyond Consumers: How B2C Players Are Taking Over B2B

B2C giants are no longer just serving consumers—they're moving into B2B and reshaping the payments landscape. With their scale, digital-first infrastructure, and seamless user experiences, they’re challenging traditional business payment models and unlocking massive new revenue streams. This session explores why B2C companies are making the shift, how they’re winning in the B2B space, and what it means for banks, fintechs, and businesses worldwide. The rules of payments are changing—who will adapt, and who will be left behind?

Track: Money & Payments

The speaker(s)

Justinas Lasevičius

Co-founder & General Manager TransferGo Business at TransferGo

Type: Fireside Chat Speaker

Martynas Pilkis

Business Development Officer at AXIOLOGY

Type: Moderator

Fireside Chat

15:15-

15:45

Faster. Smarter. Seamless. The Disruptions Reinventing How Money Moves

How money moves is being redefined and the changes are not small. This panel brings together the players breaking down old rails, building smarter infrastructure, and setting new standards for speed, transparency, and user experience. From instant payments to cross-border innovations and embedded finance, we’ll unpack the real shifts reshaping transactions. Who’s leading, what’s next, and what it means for banks, fintechs, and customers everywhere.

Track: Money & Payments

The speaker(s)

Sharlote Leikuma

Business Development at DECTA

Type: Side Event Host

Arturs Piliksers

Co-founder at Bonusucard.me

Type: Panelist

Einars Stavro

Head of E-commerce division at BluOr Bank

Type: Panelist

Hetti Lump-Kivisaari

Counsel at Sorainen

Type: Moderator

Kirill Lisitsyn

Co-founder & CEO at Torus

Type: Panelist

Panel

15:45-

16:00

Evolution of the Value Chain in the EU Banking and Payments Sector

In this session, we’ll explore how the financial services value chain is evolving, highlighting key trends in product and service offerings, including open banking, platformization, and white labeling.

Track: Money & Payments

The speaker(s)

Rūta Merkevičiūtė

Head of the Digital Finance Unit at European Banking Authority

Type: Keynote Speaker

Keynote

16:00-

16:15

My wallet is in my pocket – why isn't that enough?

Why does managing our financial lives feel like a never-ending loop of logins, verifications, and scattered accounts? Every platform demands another ID check, every financial need – banking, credit, business, investments – requires a separate app. But does it have to be this way? This keynote challenges the status quo, questioning a person's and institutions' interplay.

Track: Finance Everywhere

The speaker(s)

Marius Galdikas

CEO at ConnectPay

Type: Keynote Speaker

Keynote

16:15-

16:30

Democratizing the World of Investments: ETFs, Blockchain and Beyond

ETFs, one of the most successful financial innovations, have enabled the ordinary people to access both common and unique assets easily and cheaply. Blockchain technology will continue the innovation and democratization of the investment industry.

Track: Open Finance

The speaker(s)

Taeyong Lee

Senior Advisor at Wavebridge

Type: Keynote Speaker

Keynote

16:30-

16:45

Kevin's Rise and Fall – Lessons in Tears, Sweat, and Bankruptcy

Success stories dominate the headlines, but what about the fintech ventures that didn’t make it? This brutally honest conversation dives into the high-stakes world of innovation, where even the most promising startups can stumble. What causes a rising star to collapse—was it market conditions, regulatory hurdles, leadership missteps, or scaling too fast? More importantly, what can we learn from failure to build stronger, more resilient businesses? Join industry insiders, former founders, and investors as they dissect the hard truths behind fintech failures and the lessons that can shape the next generation of success.

Track: Compliance Technology

The speaker(s)

Dovile Grigiene

Pushing limits at Ex and Ex

Type: Fireside Chat Speaker

Lijana Štarienė

Independent Board Member at Independent

Type: Fireside Chat Speaker

Fireside Chat

16:45-

17:00

Building a Fintech Force to Reckon With – Lithuania's Fintech Report

Lithuania has cemented itself as one of Europe’s top fintech hubs, and the latest Invest Lithuania Fintech Report unveils exactly why. This session will break down key insights from the report, covering industry growth, regulatory developments, and the next big opportunities in the market. Expect data-driven analysis and a clear outlook on what’s shaping the fintech landscape in Lithuania and beyond. Whether you're an investor, startup, or financial institution, this session will give you the intel you need to navigate and capitalize on Lithuania’s fintech ecosystem.

Track: Finance Everywhere

The speaker(s)

Agne Klimaviciene

Fintech Lead at Invest Lithuania

Type: Keynote Speaker

Keynote

17:00-

17:30

Breeding Unicorns: Think Big, Think Bold, Think Beyond

The Baltics have cracked the code on building unicorns, but what’s next? Join Baltic Unicorn Founders in this session which explores the mindset, policies, and ecosystem needed to take regional startups from promising ventures to global fintech powerhouses. What role do bold regulatory moves, ambitious founders, and international scalability play in shaping the next wave of success stories? And how can the Baltics push beyond current achievements to cement their status as Europe’s ultimate fintech breeding ground? Get ready for a conversation that challenges conventional thinking and sets the stage for the region’s next big leap.

Track: Special Event

The speaker(s)

Martins Valters

Co-founder/COO at Mintos

Type: Panelist

Lina Žemaitytė – Kirkman

Head of ROCKIT at ROCKIT Vilnius

Type: Moderator

Panel

17:30-

18:00

Baltic Fintech Awards: Recognizing the Bold, the Bright, and the Best

The Baltic Fintech Awards celebrate the companies, individuals, and ideas driving real impact in the region. From bold innovations to meaningful contributions to the ecosystem, this session recognises those rewriting the future of fintech across the Baltics. Expect energy, pride, and a few surprises.

Track: Special Event

The speaker(s)

Lina Žemaitytė – Kirkman

Head of ROCKIT at ROCKIT Vilnius

Type: Moderator

Award Ceremony

Disruptor Stage

Time

Event name

09:30-

10:00

Banking on AI: The Future of Risk, Fraud, and Financial Intelligence

AI is transforming finance, reshaping risk management, fraud detection, and financial intelligence. This session explores how AI predicts threats, enhances security, and streamlines compliance. Join industry experts to uncover the opportunities, challenges, and future of AI-driven financial services.

Track: Cognitive Finance

The speaker(s)

Uldis Apsitis

Financial Industry Lead at Accenture

Type: Panelist

Aidas Malakauskas

Head of Omnichannel Solutions at Swedbank Baltics, AS

Type: Panelist

Martynas Pilkis

Business Development Officer at AXIOLOGY

Type: Moderator

Veslava Aganauske

Head of Cash Management products at Luminor Bank

Type: Panelist

Panel

10:00-

10:15

Future-Proofing Prosperity: Security and Innovation in the New Economic Era

Security threats are escalating, trade wars are intensifying, and the Western world is experiencing rapid demographic shifts. These forces don’t just challenge economic prosperity – they put our freedom and way of life at risk. The solution? A smarter, more strategic approach to growth – one that fuels innovation, strengthens security, and drives progress rather than stalling it. Join this keynote to explore how we can build a resilient economy that safeguards our future while seizing new opportunities.

Track: Money & Payments

The speaker(s)

Laura Galdikiene

Principal Economist at ConnectPay

Type: Keynote Speaker

Keynote

10:15-

10:30

No Investors, No Problem: The Untold Growth Story of SME Bank

How do you build one of the Baltic's largest fintechs without giving up equity? SME Bank did just that. In this fireside chat, Executive Director, Thorsten Seeger reveals how they bootstrapped, scaled, and secured a banking license—all while leveraging AI and tech to stay ahead in a regulated industry.

Track: Finance Everywhere

The speaker(s)

Thorsten Seeger

Executive Director at SME Bank

Type: Fireside Chat Speaker

Jekaterina Govina

Co-founder at Amlyze and INWEST

Type: Moderator

Fireside Chat

10:30-

11:00

Is Hyperpersonalisation the ultimate competitive edge in Finance?

Is hyperpersonalisation just a buzzword, or the next battleground for financial services? This session looks at how data, AI, and customer insights are being used to create tailored experiences, smarter offers, and deeper engagement. We’ll explore who’s getting it right and what it takes to compete.

Track: Cognitive Finance

The speaker(s)

Sarp Demiray

CEO at EMBank

Type: Panelist

Ģirts Slaviņš

CEO at Mobilly

Type: Panelist

Liudas Kanapienis

CEO and Co-founder at Ondato

Type: Panelist

Ben Goldin

Founder and CEO at Plumery

Type: Panelist

Julija (JJ) Jegorova

Founder & CEO at Black Unicorn PR

Type: Moderator

Panel

11:00-

11:15

Turning Real Estate Investment into The Next Fintech Goldmine

This session unpacks how technology is reshaping real estate investment, turning one of the oldest asset classes into a fast-moving fintech opportunity. We'll explore tokenization, fractional ownership, and digital platforms that are making real estate more accessible, liquid, and scalable than ever before.

Track: Blended Finance

The speaker(s)

Daniil Aal

COO at Estateguru

Type: Panelist

Mihkel Stamm

CEO at Estateguru

Type: Fireside Chat Speaker

Roberta Rudokienė

Managing Director at Lithuanian Business Angel Network | LitBAN

Type: Moderator

Fireside Chat

11:15-

11:30

3 Key Ingredients to Win the Fintech Talent Battle

In today's competitive fintech landscape, attracting and retaining top talent is becoming increasingly challenging. While there isn't a one-size-fits-all solution for every company, there are three key areas to focus on when hiring exceptional talent. This presentation emphasizes the importance of a leadership mindset and its significance in recruiting top talent. Discover the three essential ingredients that leaders of fintech companies use to stay ahead in the Baltic talent market.

Track: Cognitive Finance

The speaker(s)

Dana Kocane

Founder, Recruitment Consultant at Tech Recruitment Ltd.

Type: Keynote Speaker

Keynote

11:30-

12:00

Building Bridges, Connecting Ecosystems and Expanding Global Reach

Fintech thrives on innovation, but real growth happens when ecosystems collaborate. This panel brings together leaders from different fintech hubs worldwide to explore how cross-border partnerships can drive expansion, export knowledge, and open new markets. Key topics include: How fintech ecosystems can work together instead of competing The role of regulatory alignment and market access in global growth Real-world examples of successful cross-border fintech collaboration What it takes to export expertise and scale innovation globally Join the discussion to uncover new opportunities for startups, investors, and financial institutions looking to connect and expand beyond their home markets.

Track: Special Event

The speaker(s)

Reuben Lim

Chief Executive Officer at Singapore Fintech Association

Type: Panelist

Tobias Tenner

Head of Digital Finance at Association of German Banks (Bankenverband)

Type: Panelist

Bozena Adamczyk

Partner at Truffle Capital

Type: Panelist

Rashee Pandey

Associate Director, Membership and Growth at Innovate Finance

Type: Panelist

Tīna Lūse

Managing Director at Fintech Latvia Association

Type: Moderator

Panel

12:00-

13:00

Lunch

Break

13:00-

13:15

Bridging Private and Public Markets: The Future of Capital Raising and Growth

Public markets aren’t just for exits, they’re a powerful tool for growth. LSEG helps companies raise €1M–€100Mthrough AIM and is building a hybrid market that blends public market tech with private investment flexibility. Join us to explore new ways to scale and secure capital.

Track: Open Finance

The speaker(s)

Axel Kalinowski

Head of Central and Southern Europe at London Stock Exchange

Type: Fireside Chat Speaker

Povilas Žinys

Director Lithuania at Plug and Play Tech Center

Type: Moderator

Fireside Chat

13:15-

13:30

The Future of Banking is Agentic

This session explores the transformative concept of Agentic Banking, where AI and MACH architecture converge to reshape financial services. Discover how banks can leverage intelligent, dynamic AI agents to enhance personalization, streamline operations, and drive agility, preparing them for the future of banking.

Track: Cognitive Finance

The speaker(s)

Dharmesh Mistry

Thought Provoker at Independant

Type: Keynote Speaker

Keynote

13:30-

14:00

Crowdfunding 2.0: The Power Shift in Finance

Beyond raising money, crowdfunding is about who gets funded, who controls capital, and how financial power is shifting. As traditional funding models struggle to keep up with modern demands, crowdfunding has become a force multiplier for startups, creative ventures, and even social causes. But is it truly democratizing finance, or just shifting power to new gatekeepers? What’s next in equity crowdfunding, tokenized assets, and decentralized funding models? And how can businesses leverage crowdfunding beyond just raising capital? Join industry leaders as we unpack the next evolution of crowdfunding, the opportunities it unlocks, and the risks that come with it

Track: Open Finance

The speaker(s)

Joachim Schwerin

Principal Economist at European Commission

Type: Keynote Speaker

Florence de Maupeou

DGA institutional relations & crowdfunding at France Fintech

Type: Panelist

Karsten Wenzlaff

Secretary-General at Digital Invest Germany

Type: Panelist

Vytautas Šenavičius

Chairman of the Board at Lithuanian P2P & Crowdfunding Association / Response Legal

Type: Moderator

Panel

14:00-

14:15

Can Academia make your Fintech 10X Smarter?

Academia is a vast resource largely untapped by fintechs. How can YOU tap into it? Dr. David Stolin, finance professor and organizer of Future Finance Fest (3f) which brings together fintechs and scholars, will give you the inside scoop on how you can turn academia into your fintech’s secret weapon.

Track: Cognitive Finance

The speaker(s)

David Stolin

Co-founder at Ed.movie Inc.

Type: Keynote Speaker

Keynote

14:15-

14:30

Emotional Intelligence Meets Artificial Intelligence: The Future of Financial Customer Service

Discover how AI is being used to detect and respond to customer emotions, creating more empathetic and effective customer service experiences in banking and financial services.

Track: Cognitive Finance

The speaker(s)

Sandra Roosna

Founder and CEO at Askly

Type: Keynote Speaker

Chris Crespo

Chief Editor at Nordic Fintech Magazine

Type: Stage Host

Fireside Chat

14:30-

15:00

The War for Attention: How Fintechs Can Cut Through the Noise

Fintech is crowded, noisy, and fast-moving. If your message doesn’t cut through, your company gets ignored. This panel dives straight into how fintechs can break through the noise, grab attention, and build lasting engagement. What we’ll cover: Why most fintech messaging fails—and how to fix it How to craft stories that get noticed and build trust The channels and strategies that actually work The role of thought leadership and brand in standing out No fluff. Just straight talk on what it takes to make your fintech heard.

Track: Blended Finance

The speaker(s)

Anda Asere

editor at Labs of Latvia & Finday.lv

Type: Moderator

Simona Jazdauskaitė

Project Manager at Linkedist

Type: Panelist

Tarmo Virki

Founder at NatureBacked

Type: Panelist

Raminta Stanaitytė-Česnulienė

Partner at Insynergy4

Type: Moderator

Julija (JJ) Jegorova

Founder & CEO at Black Unicorn PR

Type: Moderator

Panel

15:00-

15:15

Baltic Breakthrough: Competing to Win, Collaborating to Lead

The Baltic region has been making waves in fintech, but how are Latvia, Lithuania, and Estonia evolving to stay ahead of the game? Join us for an engaging discussion on what’s driving competition and collaboration across these markets. From bold regulatory moves to innovative ecosystem strategies, we’ll unpack what’s fueling the momentum and how the Baltics are shaping their fintech future. Whether you’re curious about rivalry, regional synergies, or the next big opportunity, this panel will deliver fresh perspectives and insider insights. Don’t miss it!

Track: Compliance Technology

The speaker(s)

Marius Jurgilas

CEO/Founder at Axiology

Type: Keynote Speaker

Keynote

15:15-

15:45

Open Finance, No Borders, No Limits!

Open finance is breaking down barriers, giving consumers and businesses more control over their financial data. As access to information expands, new models of collaboration, embedded services, and smarter financial products are emerging. What opportunities does this create, what challenges remain, and how can we navigate the balance between innovation, security, and trust in a fully open financial ecosystem?

Track: Open Finance

The speaker(s)

Juris Rieksts-Riekstiņš

Chief Credit Officer at Bondora

Type: Panelist

Mihkel Vetemaa

CEO & Co-Founder at Bilance

Type: Panelist

Sarah Häger

CCO at Enable Banking

Type: Keynote Speaker

Kaido Saar

CEO & Co-Founder / Chairman of Management Board at Mifundo / FinanceEstonia

Type: Moderator

Igor Kostyuchenok

Managing Director/SVP of Engineering at IKFT/Mbanq

Type: Panelist

Panel

15:45-

16:00

GDPR : 5 ways to get an expensive fine in 2025

Think your GDPR compliance is foolproof? Think again. In this presentation, we’ll reveal the top 5 ways your organization could incur hefty fines under GDPR in 2025. From mishandling consent and neglecting data subject rights to inadequate breach notifications and poor data mapping, we’ll delve into real-world cases where companies faced millions in penalties. Learn how to identify these common compliance pitfalls, implement robust safeguards, and stay ahead of regulatory changes. Ensure that your privacy practices meet regulatory standards, shield your business from sanctions, and preserve customer trust in your infrastructure.

Track: Compliance Technology

The speaker(s)

Thiébaut Devergranne

CEO & Founder at Legiscope

Type: Keynote Speaker

Keynote

16:00-

16:30

Beyond the Baltics: Innovating Locally, Scaling Globally

The Baltics have emerged as Europe’s fastest-growing fintech hub, driven by digital-first policies, a strong talent pool, and global ambition. This session explores how Latvia, Lithuania, and Estonia are scaling fintech success beyond borders, attracting investment, and shaping the industry’s future.

Track: Cognitive Finance

The speaker(s)

Anda Asere

editor at Labs of Latvia & Finday.lv

Type: Moderator

Audrius Silgalis

Head of Green Finance Institute at (ILTE)

Type: Panelist

Janis Sadinovs

at LIAA

Type: Panelist

Deniss Čamovs

Senior Investment Advisor

Type: Panelist

Panel

16:30-

16:45

Why Gen Z Still Isn’t Investing and How to Change That

Gen Z is earning, saving, and spending, but not investing. Why? This session breaks down the myths, blockers, and design flaws keeping an entire generation on the sidelines of wealth building. It's time to stop blaming "short attention spans" and start building tools that speak their language. Want to capture the next wave of investors? This is where it starts.

Track: Blended Finance

The speaker(s)

Thomas Ketchell

CEO at Curvo

Type: Panelist

Keynote

17:00-

17:30

Payments Are Fast, Global, and Invisible… What’s Left to Solve?

Payments today move faster than ever, across borders and in the background, almost invisible to users. But as technology advances, new challenges emerge. What’s the next big hurdle, security, interoperability, new rails, or evolving regulations? Can we solve what’s left, and what skills will be needed to take payments to the next iteration? This panel explores what’s next in a world where payments are seamless, instant, and global.

Track: Cognitive Finance

The speaker(s)

Aleksejus Loskutovas

Co-founder and CEO at HeadHunters Hub

Type: Panelist

Sean Whitty

Strategic Sales Manager at Tribe Payments

Type: Panelist

Ian Kalla

Commercial lead / Head of Fintech at XYB / FinanceEstonia

Type: Moderator

Marijus Plančiūnas

CEO at Paysera LT

Type: Panelist

Akvilė Jurkaitytė

Associate at Sorainen

Type: Panelist

Panel

Mayor's Office

Time

Event name

09:30-

10:00

Crypto Talks

Engage and challenge crypto leaders on the future of crypto and blockchain business in Baltics.

Track: Money & Payments

The speaker(s)

Mykolas Majauskas

President at Crypto Economy Organisation

Type: Moderator

Jonas Jünger

Managing Director at Bifinity UAB

Type: Panelist

Dmitrij Uskov

Chief Operating Officer at Bybit EU

Type: Panelist

Kyunghwan Sohn

CEO at Dafinlabs

Type: Panelist

Panel

10:00-

10:20

Spotting Unicorn Founders at Early Stage

Learn what top VCs have discovered from investing in nearly 1,000 US and European unicorns. Based on analyzing data about nearly 2,500 founders who built billion-dollar companies, learn the key traits, behavioral patterns, and assessment techniques used to identify extraordinary entrepreneurs at the earliest stages. Essential insights for founders, investors and ecosystem builders

Track: Special Event

The speaker(s)

Mike Sigal

Founder at Sigal Ventures

Type: Keynote Speaker

Keynote

10:20-

10:40

Baltics to Seoul: Making Fintech Connections That Matter

South Korea has one of the most advanced fintech ecosystems, with strong digital banking, payments, and financial infrastructure. In this session, the Head of the South Korean Fintech Center will share insights on the local market and how Baltic fintechs can connect, collaborate, and expand. Learn what it takes to enter South Korea, the key players in the industry, and the support available for companies looking to grow in this market.

Track: Special Event

The speaker(s)

Deimantė Žemgulytė

Senior Investment Advisor at Invest Lithuania

Type: Moderator

Sung Kyun Son

General Manager(Head of Global Business) at Fintech Center Korea(FCK)

Type: Fireside Chat Speaker

Fireside Chat

10:40-

11:00

Embedded Finance Business Models

When it comes to fintech licensing, your first impression with regulators can make or break your journey. The Baltics may be fintech-friendly, but experienced regulators expect well-prepared applications, clear compliance frameworks, and serious commitments from businesses seeking to operate. This session dives into what regulators look for, common mistakes companies make, and how to position your business for approval from day one. From licensing expectations to long-term compliance, we’ll explore why getting it right the first time is the key to securing your license and scaling successfully.

Track: Finance Everywhere

The speaker(s)

Ville Sointu

Chief Strategist at Nordea

Type: Fireside Chat Speaker

Keynote

Baltic Fintech Days agenda will focus on six core topics at the core of Fintech in 2025

1

Blended Finance

This track explores the exciting intersections where fintech meets industries like retail, healthcare, mobility, automotive, and travel. We’ll examine how financial services are becoming an integral part of these sectors, creating new opportunities for businesses to “become fintechs” themselves. Discover how this blending of industries is reshaping customer experiences and driving innovation across the board

2

AI and the Rise of Cognitive Finance

In this track, we’ll unpack how AI is transforming financial services, making them smarter, faster, and more personalised. From automated wealth management to hyperpersonalised financial experiences, we’ll explore the cutting-edge innovations shaping the future of finance. Discover how AI-driven insights are redefining everything from credit scoring to intelligent financial assistants, bringing a new level of efficiency and personalisation to the industry.

3

Compliance Tech

As financial regulations evolve, staying compliant has never been more critical—or more complex. This track focuses on how technology is simplifying regulatory management, automating compliance processes, and enhancing fraud detection. From cybersecurity to third-party risk management and digital ID solutions, we’ll look at the tools that are helping businesses navigate the regulatory landscape while maintaining security and trust.

4

Finance Everywhere

In this track, we’ll discuss the growing trend of embedded finance, where financial services are seamlessly integrated into non-financial platforms. We’ll explore how API technology, personalisation, and data analytics are enhancing customer experiences and creating new partnership models. Learn how banking as a platform and other innovations are making finance more accessible and personalised, all while navigating the complexities of regulatory compliance.

5

Money and Payments

This track covers the ongoing revolution in digital payments, from real-time transactions to the rise of digital currencies. We’ll explore how blockchain is transforming everything from cross-border payments to asset tokenisation, and how these innovations are reshaping the financial landscape. Discover how cutting-edge technologies like blockchain for ID and Blockchain-as-a-Service are driving new opportunities in payments and beyond.

6

Open Finance

This track dissects the transformative power of Open Finance, where data and technology are driving a new era of transparency and consumer empowerment. We’ll explore how API integration and open data are unlocking innovation, enabling new business models, and giving consumers greater control over their financial lives. Discover the balance between opportunity and responsibility as we discuss regulatory trends, data privacy, and the ethical use of financial data.