Hi {{first_name|there}}!
Last day it is! Yet the energy in Amsterdam is still running sky-high.
But first — let’s rewind.
Here’s what stood out on Day 2 👇
🔹 Agentic AI got a framework — and real-life proof points
🔹 Embedded finance flexed its maturity, with Liberis’ Ada stealing the spotlight
🔹 Monzo reminded us that trust is still the ultimate fintech edge
🔹 LPMs got a reality check: relevance beats reach
And we’re not done yet.
🎤 Today at 10:50am, don’t miss:
Our very own Marina Mouka takes the stage at the MoneyPot to ask:
“How Will CFOs Use AI?”
She’ll be joined by:
💬 Konstantin Dzhengozov (Payhawk)
💬 Andrew Rudchuk (Starship Technologies)
💬 Ilia Shabrov (Dott)
👋 Come say hello if you're around
🧠 Day 2 Download
🐾 From Challenger To Champion: The Monzo Story
“We’re not just building a bank—we’re building a movement.”
In a candid fireside chat, Monzo CEO TS Anil sat down with Bain & Company’s Jeff Tijssen to reflect on the fintech’s journey from scrappy upstart to UK banking powerhouse—and why they’re just getting started.
Key Moments from the Stage:
🔹 The early hustle
TS shared what it really took to survive the fintech boom-and-bust cycle. While many challengers faded, Monzo stayed focused on product obsession and community trust.
🔹 International ambition
With over 9 million UK users, Monzo’s eyes are set on global expansion—especially the US.
But TS was clear: it’s not about planting flags, it's about creating value in local contexts.
🔹 Banking, reimagined
TS framed Monzo not as a bank with an app, but as an intelligent, AI-driven money companion. Expect more proactive financial tools, transparency, and features rooted in user behavior.
🔹 The long game
“We’re building something that’s going to last 100 years.”
This is not a short-term play. Monzo’s growth strategy is deliberately paced, prioritizing trust over hype.
🙌 TS left the crowd with a simple yet powerful reminder: “You don’t win by shouting louder—you win by solving real problems better than anyone else.”
💳 Consumer Adoption of New Payment Methods: LPM Playbook
The payment method may be seamless—but adoption never is.
This session got real about what’s actually required to bring local payment methods (LPMs) into the mainstream—and why consumer psychology matters just as much as backend tech.
🔑 Adoption is emotional, not just logical.
Martina Weimert (EPI Company) emphasized that new payments must “create a sense of control and trust,” especially when replacing familiar methods. Consumers want to understand the value exchange, not just speed.
📉 Forget scale if you don't have relevance.
Matt Wegner of Adobe stressed that success hinges on local nuance:
“You can’t simply roll out one model across markets and expect results.”
Understanding cultural context is critical.
📲 Merchants are gatekeepers—but users are the tipping point.
While merchant incentives are key, Eric Tak (European Central Bank) reminded the audience that “it's end-user adoption that makes or breaks LPMs.”
👀 The big watchout? Fragmentation.
PPRO’s Motie Bring closed with a warning: “The more we multiply methods, the more risk we have of confusing the end-user.” Simplicity still wins.
Agentic AI: The Era of Autonomous Banking
In a dynamic 15-minute session, Juan Jose Lopez Murphy (Global Head of Data Science & AI, Globant) outlined a practical framework for understanding and deploying AI agents in the financial sector.
Defining agentic AI through six components—multimodal inputs, tool usage, reasoning and planning, learning adaptability, knowledge management, and communication—Murphy emphasized that the more of these traits a system has, the more "agentic" it becomes.
He cautioned against anthropomorphizing AI, noting that framing agents as digital humans can lead to misplaced expectations. Instead, Murphy focused on how agents are already driving real-world outcomes.
He illustrated this with use cases:
Software development: AI agents boosting team efficiency by up to 40%.
Banking: Migrating teller apps with 30% fewer resources.
E-commerce: Automating customer complaints and refund processing at scale.
Pharmaceuticals: Creating a marketing content factory to localize and streamline physician communications.
Murphy also offered a checklist for businesses evaluating their readiness to implement agentic AI:
Define decision points to automate
Choose tools that allow agents to act (not just chat)
Consider planning complexity
Ensure outputs can be validated
Confirm existing SOPs or identify time-wasting processes
Map out entire workflows (e.g., core banking migration paths)
In banking specifically, he explored concierge-style AI agents for customer service—designed to empower users via self-service, seamlessly interfacing with CRMs, compliance tools, and core systems. He also touched on agent use in fraud detection and risk assessment, where precision, planning, and multimodal inputs are key.
Murphy’s framework may have laid the groundwork, but companies like Liberis are already bringing it to life.
Earlier this week, Liberis debuted Ada, its in-house AI underwriting agent built to handle complex credit decisions with speed, fairness, and explainability. Unlike conventional scoring models, Ada blends real-time data ingestion with planning, reasoning, and a human feedback loop—ticking nearly every trait of an agentic system outlined by Murphy.
And the mission? To reduce bias, uncover risk patterns that humans might miss, and scale underwriting without compromising trust. With over 85% of financing decisions already automated, Liberis’ Ada helps push decisioning into a more autonomous—and more accountable—era.
Embedded finance needs systems that can think and act, not just process.
Ada is Liberis’ answer to that challenge.
Want to see Ada in action or meet the team behind it?
Look how happy the Liberis crew are to be powering the future of embedded finance🤩
📍Bobsguide is reporting live from Amsterdam—bringing you sharp takes, real-time recaps, and what today’s announcements really mean. Stay tuned.
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