Shaping the Future of Banking in Saudi Arabia: Innovation, Digital Transformation & Vision 2030

A strategic professional with over 7 years of experience in market intelligence, customer experience, and consumer behavior analysis across the automotive, payments, and retail sectors. He holds an Executive Master’s in Public Administration, combining analytical depth with a customer-first mindset to support loyalty-building and strengthen brand engagement.

Wojciech Kempny is a Consulting Director, specializing in Loyalty and Customer Experience & Engagement projects in the Middle East. He has been working in Comarch for the past 9 years and has worked with the biggest companies in the GCC in the retail, banking and government sectors. Wojciech has concentrated his career on the Middle East and GCC and has lived and worked in the region for over 13 years. This local experience is an invaluable asset when cooperating with companies that are looking to create or revamp their loyalty and customer experience strategies in the region.

Marcin Kozłowski is an accomplished business leader with over a decade of experience in driving revenue growth, business strategy, and product-market fit. As the Chief Revenue Officer at Vintom, he has played a pivotal role in scaling the company's global footprint, successfully expanding its operations into more than 30 international markets, including the United States, the United Kingdom, France, the Czech Republic, Slovakia, Mexico, Singapore, Vietnam, Thailand, and Taiwan. His expertise lies in developing go-to-market strategies, forging high-impact partnerships, and leading international business expansion efforts. Prior to joining Vintom, Marcin led global soft-landing programs for over two years, managing the prestigious Ready To Go! initiative, which facilitated market entry programs in Silicon Valley, London, Shanghai, and Tel Aviv. These programs provided growth-stage startups with essential business development opportunities, investor access, and mentorship in some of the world's most competitive markets. Marcin is an active member of Tech London Advocates, a global network of senior technology leaders, investors, and policymakers. Throughout his career, he has collaborated with Google Campus (London, Mountain View, Warsaw), Techstars London, US Market Access Center, D-Lab by Kimberly Clark, Co-Way (China), and numerous other organizations dedicated to fostering innovation and entrepreneurship. He holds a Master’s degree in Economics from Lancaster University (UK). As a thought leader, he contributes to various industry publications, including the Poland China Business Magazine. Beyond his professional pursuits, Marcin is passionate about endurance sports and martial arts—he is an ultramarathon trail runner, a Sambo practitioner. Plays cello. He is also a proud father of two.

Dr Ahmed is a visionary digital leader experienced in digital banking and digital government with deep knowledge in Strategy, Channels, Open Banking, Open Finance, BaaS, Digital on-boarding, Digital Assets, and Innovation. When organizations are struggling to manage the digital transformation and portfolio, Dr. Ahmed is one to consult for outstanding results, proven by post-implementation benefits realisation. He has led organizations into success with over 32 years of experience working for IBM, Fujitsu, Siemens, Al Rajhi Bank, Alinma Bank, and Bank Al Bilad. Ahmed is a Doctor of Business Administration (DBA) in Intergovernmental Information Systems from Newcastle University Business School (NUBS). He is also holding a master’s degree in Computer Engineering and BSC in Electronics and Communications Engineering from Cairo University (1999 and 1992 respectively.)

Sabina Biga is a Business Development Manager at COMARCH, where she helps financial institutions across the Middle East adopt cutting-edge IT solutions. With a strong foundation in banking - including several years at Getin Noble Bank in leadership roles and experience supporting biggest financial institutions’ IT initiatives — Sabina brings almost 10 years of deep, hands-on knowledge of the financial sector. Her background gives her a unique ability to bridge the gap between traditional banking needs and modern technology. She is passionate about driving digital transformation through tailored solutions that deliver real value to clients.

28+ years in AI, FinTech, and Risk across KSA, India, Qatar, Bahrain, UK, USA. Senior Advisor – Risk, Saudi EXIM Bank Ex-KPMG, EY, Bank Aljazira, TCS, QNB. Built AI agents, LLM-powered tools, and regulatory AI models. Delivered 300+ IFRS 9 ECL reviews across Saudi banks, NBFCs, and corporates. Public Speaker on: AI Agent Architecture & Automation, Generative AI in Regulated Industries, AI Governance & Model Risk, FinTech Innovation & Risk Strategy. Certifications: Google Cloud ML Engineer & Cloud Architect, Microsoft Certified AI Engineer, AWS ML Specialist & Solutions Architect, CDMP (DAMA), PMP, SAS Programmer. Founder: AI for ALL – Empowering women with free AI education

Alina Timofeeva is a high-profile senior advisor in technology, data and Al who is passionate about educating the public about technology. Alina's expertise covers technology, regulation, data, Al, and cyber crime. Alina is the media's go-to expert in technology having featured on media outlets including national BBC News, national BBC Radio 5, Bloomberg, Financial Times, The Banker (by FT), Telegraph and NTD News. She has worked for Oliver Wyman, KPMG, Accenture and PWC with clients including JP Morgan, HSBC and Santander. Alina is a regular on the worldwide speaker circuit ranging from Davos to London Tech Week, Abu Dhabi Finance Week to Oxford University and LSE. She has won numerous industry awards such as Digital Leader of the Year, Digital Transformation Leader, and Most Inspirational Person of the Year. She is currently the founder of TechLoomY and a Board Member of BCS: The Chartered Institute for IT.

Business Technology professional with exposure to banking, telecommunication, FMCG, higher education, and e-commerce domains. His expertise lies in envisioning and executing digital transformations, supported by technology advisory, cloud-native digital architectures, and technology & AI led innovation. As an enthusiastic speaker on the future of the financial services, he advocates technology-driven business strategies. He emphasizes the importance of intuitive and event-driven experiences and is an expert in assessing fintech partnerships. His advisory work focuses on creating digital products and innovative business models within the evolving landscape of financial services.