Banks in the Cyber Space – Roundtable discussion with the participation of banks

Where is the Domestic Digital Money Market Heading?

The Digitalization-Regulation-Customer Demand Triangle: Who is really driving the market today? * Domestic Banks vs. BigTech/Fintech: Cooperation or competition?

• Benchmarking: Where do we stand in international comparison (Regional and EU levels)?

• The Top 3 Trends: What are the three most critical trends shaping the domestic money market in cyberspace today?

• Regulation: In what areas is regulation perceived as a bottleneck, and where does it act as a catalyst for innovation?

• Competitive Gaps: Where does the Hungarian market face the biggest lag compared to neighboring countries?

Customer Experience in Cyberspace: Convenience, Security, and Trust

The "Mobile First" Reality: App experience, omni-channel strategies, and the customer journey in the digital realm.

• Convenience vs. Security: Where do banks draw the line?

• Digital Trust: Dealing with phishing, fraud, and the role of education.

• Defining Success: "What makes a customer feel their bank is 'digitally excellent'—how is this actually measured?"

• Trade-offs: "Have you made any strategic decisions where security was intentionally prioritized at the expense of convenience?"

• Responsibility: "How realistic is the expectation for customers to be 'cyber-aware,' and where must the bank step up and do more?"

Banks in Cyberspace: Cybersecurity and Fraud Prevention from an Executive Perspective

The New Wave of Cyber Threats: AI, deepfakes, and social engineering.

• Integration: Merging internal defense systems with the digital front end.

• Organizational Responsibility: IT, Business, or Risk—who truly "owns" cyber risk?

• The Seat at the Table: "Where does cyber risk reside within the bank—IT, Risk Management, Business, or the Board?"

• Evolving Landscape: "What new threats have emerged in the last 12 months for which the industry was previously unprepared?"

• Collective Defense: "What are the expectations toward regulators and market players regarding a unified defense front?"

Business Models: Who Pays for Innovation?

Pricing Digital Payments: How sustainable is the "zero cost to the customer, bank bears all" model?

• New Revenue Streams: Data services, value-added services, and ancillary products.

• ROI on Digitalization: Where is the return on investment for developments like Qvik or Central Village Registry (KVR)-based systems?

• Time Horizons: What is the realistic payback period for infrastructure investments of this scale today?

• Monetization: "Is there a model where solutions like Qvik build the top line rather than just adding to costs?"

• Metrics: "How do you internally measure the 'success' of a digital payment innovation?"

Vision: The Bank in Cyberspace 2030

The "Digital Day" of a Typical Customer: What will personal finance look like in a few years?

• Roles: The bank as an invisible utility provider vs. the bank as a brand and trusted advisor.

• Future Leadership: What competencies will a bank executive need over the next 5–10 years?

• The 2030 Pitch: "If you had to define it in one sentence: what will the bank's role be in cyberspace by 2030?"

• Risk of Inaction: "Which decision would you regret most if you failed to make it today regarding the digital space?"

• The One Wish: "If you could ask for one thing from the regulator or the industry for the next five years, what would it be?"