Aragorn Meulendijks (ItsMrMetaverse): Be happy that you are still here because everybody out there who didn't come here is missing out on this very important insight. In the next 4-5 years we will see the equivalent of a hundred years of change in the world as a result of technological advancements at today's pace!

Aragorn Meulendijks (ItsMrMetaverse): Homo Sapiens is 200.000 years old. That was our last software update!

Liudas Kanapienis (Ondato): Be open to opportunities and especially to the requests of customers and users, and be ready to change with them.

Paolo Sironi (IBM Institute for Business Value): Communication is becoming more and more important for the profitability of the financial institutions.

Paolo Sironi (IBM Institute for Business Value): When central bankers talk, every word matters.

Paolo Sironi (IBM Institute for Business Value): Europe, this is where usually the regulations are born!

Burçak İnel (European Banking Federation): Today, there is more and more disclosure of the companies in terms of gender equality!

Mike Sigal (Sigal Ventures): Dial back to the beginnings of the Paypal, this was when we realized we had to change the way the financial services worked.

Mike Sigal (Sigal Ventures): The entire venture capital industry is controlled by the U.S. Fed!

Ceyda Ünal (Belbim): In our first five years, our main objectives were digitalization and turning Istanbul Kart into a card that is not only used for transportation but also for other payments. We accomplished both of our objectives!

Ozan Deniz (Interbank Card Center, BKM): As you well know, TROY is our national card scheme. We cherish it, and we are working day and night for it. Today, we have a market share of around %12. Both the central bank and at the ministry level, there have been some substantial support for it.

Semih Muşabak (Sipay): Predicting the next decade is very difficult. The examples we have at our disposal support this notion. Nowadays, we are talking about AI. Five years ago, no one would have guessed that AI would come so far.

Alper Özata (Hiperaktif Kredi): Fintech is a powerful wind; if you go against it, it will sweep you away.

Alper Özata (Hiperaktif Kredi): We believe in our work, and we are passionate about it. This is our culture.

Jason Mikula (Fintech Business Weekly): What happens in the public markets generally takes 12-18 months or longer to wash through the private markets. From 2022, when central banks began raising rates, the dollar volume invested in the fintech has been steadily marching forward.

Amnah Ajmal (Mastercard): Banks and banking associations have to come together to figure out pathways and frameworks. There is only so much the regulators can do.

Amnah Ajmal (Mastercard): The pace of change has completely changed, at a good rate, faster.

Pınar Özcan (Oxford University): For financial institutions, payments are pretty much 90% of the useful data about the customer. In my research, one of the informants in the UK told me, "Look, Pınar, if you know someone's Google Search and their payment data, you know pretty much everything about them." I think this is pretty much true. Google Search will show you what they think, and their payments will tell you what they do.

Itır Aydoğan (Yapı Kredi): From a banking perspective, especially in Türkiye, there was a high adoption rate for digital services, including digital payments.

Sinan Erdem Özer (Odeabank): In the global market, the companies that best meet customer expectations are large firms like Amazon and Google. Consequently, consumer expectations have also evolved to this level. Traditional banks are not finding this transformation very easy.

Dr. Artunç Kocabalkan (Black Swan Finance): When engineering gets into the equation, you must be cautious when investing.

Tolga Ulutaş (Definex): The first and foremost function of the banks is to execute risk management effectively.

Cahit Erdoğan (Yapı Kredi): Türkiye is both a creative and a leading country in many aspects of banking on a global scale.

Dr. Erhan Yazgan (Payfix): The future is bright for fintechs and electronic payment institutions. We especially started to witness this after the pandemic. Everyone was confined to their homes, and banks struggled as they were opening accounts face-to-face with customers, but we managed to stand out a bit more.

Kerem Orbay (Garanti BBVA Payment Systems): Approximately 18 million customers have a card with the Bonus logo today.

Hüsnü Avşar Gürdal (Mastercard): Mastercard has designated its purpose of existence as digitizing the economy.

Prof. Dr. Emre Alkin (Istanbul Topkapı University): Technological advancements have accelerated life and changed customer expectations.

Zeynel Abidin Avcı (CBRT, Central Bank of the Republic of Türkiye): We are encouraging the collaboration between banks and fintechs in our country.

Burcu Küçükünal (Akbank): Mobile has become our primary medium. Our partnerships are also becoming new touchpoints for customers.

Sinem Cantürk (KPMG): As KPMG, we have been conducting much research both locally and globally. When we look at the root cause of the transformation trends in the finance industry, customer experience stands out as the driving force.