UAFIN.TECH 2025 ENG

UAFIN.TECH 2025: Future of Embedded Finance

12 December 2025

ABOUT THE EVENT

Year after year, UAFIN.TECH brings together leading international players in the financial market, bankers, entrepreneurs, investors, and technological innovators to jointly determine the future of the financial ecosystem of Ukraine and the region. It is a place where ideas are born that set the direction for the entire industry.

In 2025, the conference will be dedicated to the Future of Embedded Finance — finance integrated into the products and services we use every day. It is an integral part of business, e-commerce, mobile applications, and even the daily habits of users.

At the conference, we will discuss how this transformation is creating new monetization models, changing approaches to customer experience, and opening up new markets for companies.

AT UAFIN.TECH 2025 WE DISCUSSED:

Integration of Financial Services into Non-Financial Ecosystems

1
The Future of Banking-as-a-Service

2
Partnerships Between Banks, Fintechs, and Tech Companies

3
Regulatory Challenges and Cybersecurity in the Era of Embedded Finance

4

CONFERENCE PROGRAM

09:00 – 10:00

Welcome Coffee & Registration

10:00 – 10:15

Welcome Remarks

- Lisa Kaestner, IFC Country manager for Ukraine, World Bank Group
- Anzhela Kashperuk, Vice President of Business Development at Mastercard in Ukraine and Moldova
- Anatoliy Ostapenko, Chairperson of the Subcommittee on Social Protection of Veterans' Rights
- Rostyslav Dyuk, Chairman of the Management Board at UAFIC

10:15 – 10:35

Keynote speech «The case for embedded finance»

- Margrit Nzuki, the Supply Chain Finance Lead for Europe in IFC's Financial Institutions Group
- Ismail Chaib, IFC Senior Consultant on Fintech&Embedded Finance

10:35 – 10:55

Keynote speech «How open banking and AI reshape embedded finance»

Vadym Polishchuk, Vice President of Business Development, Mastercard Services in Ukraine and Moldova

10:55 – 11:10

Keynote speech «Not a bank. Not a startup. NovaPay: its way in the financial world»

Oleksii Ruban, Director of Innovation at NovaPay (NOVA Group)

11:10 – 11:50

Panel Discussion
"Future of finance"

- Volodymyr Ponomarov, First Deputy Chairman of the Board of Ukrgasbank
- Roza Tapanova, Member of the Supervisory Board at Oschadbank
- Olha Bilai, Managing Director of the Deposit Guarantee Fund for Individuals
- Peter Penzes, Head of Crypto-assets and Innovation Section at National Bank of Slovakia
- Zarina Odinaieva, Program Lead at IFC, World Bank Group
- Inna Tiutiun, Member of the Management Board at Sense Bank

Moderator: Violeta Moskalou, Founder & CEO of Global Ukraine

11:50 – 12:10

Coffee Break

12:10 – 12:55

Panel Discussion
"Future of Banking"

- Anzhela Kashperuk, Vice President of Business Development at Mastercard in Ukraine and Moldova
- Serhii Panov, Chairman of the Board of Credit Dnipro
- Serhii Sinchenko, CEO of Moneyveo
- Volodymyr Mudryi, Chairman of the Management Board at OTP Bank
- Serhii Chernenko, Chairman of the Management Board at FUIB
- Anton Tyutyun, Deputy Chairman of the Board at Oschadbank

Moderator: David Pollack, International Project Development UNCHAIN

12:55 – 13:15

Keynote speech "How France Became Europe’s Fintech Epicenter - and Learnings"

Emmanuel Papadacci-Stephanopoli
Vice-President, Fintech Observatory

13:15 – 13:30

Keynote speech “VIVID FUSION — how art creates new value for fintech”

Maksym Vityk, Patron, artist, top manager, co-founder of Vivid Fusion

13:30 – 13:45

Keynote speech "Beyond Banking: How B2B Embedded Finance is Creating a New Infrastructure for Micro and Small Businesses"

Mykola Volkov, Advisor on Investment Attraction and Business Development at Fintech Company Activitis

13:45 – 14:25

Panel Discussion
"Digital and embedded finance: market and institutional investors"

- Taras Yelyeyko, World Bank Consultant
- Andrew Kostenko, Program Development Manager for Small and Medium-Sized Businesses, Mastercard in Ukraine and Moldova
- Pavlo Matiiash, CEO Activitis financial company
- Ivan Stepanets, Innovation Director, iPay.ua
- Mario Khomyn, Head of Marketing UKRSIBBANK BNP Paribas Group

Moderator: Hlib Denisyuk, Advisor on Development and Strategic Partnerships, Fintech Company Activitis

14:25 – 15:10

Lunch

15:10 – 15:50

Panel Discussion
"Future of Embedded Access2Finance"

- Serhii Mahdych, Deputy Chairman of the Management Board at FUIB
- Viktoriia Strakhova, Member of the Supervisory Board at UKREXIMBANK
- Larysa Bondarieva, Deputy Chair of the Management Board, Raiffeisen Bank Ukraine
- Andriy Gapon, Chairman of the Board of the Entrepreneurship Development Fund

Moderator: Olena Hrazhdan, Economic journalist, Kyiv Post

15:50 – 16:05

Keynote speech «Where banks see risks, we see partnerships»

Dmytro Ryvkin, Financial partner Done, owner of SCF

16:05 – 16:30

Fireside chat
"Future of cibersecurity at embeded finance

- Serhii Martynchuk, General Manager of Cisco in Ukraine
- Dmytro Stryzhov, Founder and Advisory Board Member of the SHERIFF Security Holding

Moderator: Yuliia Fedosiuk, CEO UAPAY

16:30 – 16:45

Keynote speech «First Diaspora Ukrainian Neobank Kvitk»

Violeta Moskalu, Founder & CEO of Global Ukraine

16:45 – 17:00

Keynote speech «Road to EU:regulation of digital finance»

Ludmila Andreeva, Policy Officer, Digital Finance DG Fisma

17:00 – 17:40

Panel Discussion
"Future of Embedded Retailtech"

- Andriy Poddyerogin, Director of Payment Systems and Innovation Development Department at National Bank of Ukraine
- Kristina Karmazina, CEO of Bank Vlasnyi Rakhunok
- Ivan Stepanets, Innovation Director, iPay.ua
- Iryna Shynkarenko, Deputy Head of "Epicenter.K" in the field of communications and advertising

Moderator: Inna Tiutiun, Member of the Management Board at Sense Bank

17:40 – 18:00

Coffee Break

18:00 – 18:25

Fireside chat
"Embedded InsurTech»

- Samvel Akobian, CEO and Co-founder of Lilo
- Maryna Avdieieva, Shareholder of Arsenal Insurance

Moderator: Oleksandr Bernaziuk, Chairman of the Management Board at MTIBU

18:25 – 19:00

Panel Discussion
"Digital Transformation for Embedded Finace"

- Serhii Makarenko, Head of Trading Solutions PrivatBank
- Vladyslav Bilan, CEO of MyCredit
- Yevhen Shulika, Chairman of the Management Board JSC "ASVIO Bank"
- Tetyana Nikolenko, Deputy CEO, Co-founder PayForce
- Volodymyr Dovgal, CEO AVENTUS UKRAINE

Moderator: Petro Bilyk, Head of Technology and Investments, AI Practice at Juscutum

SPEAKERS

Rostyslav Dyuk

Chairman of the Management Board at
UAFIC
Zarina Odinaieva

Program Lead
IFC, World Bank Group
Lisa Kaestner

IFC Country manager for Ukraine
World Bank Group
Ismail Chaib

Senior Consultant on IFC Fintech&Embedded Finance
Margrit Nzuki

Supply Chain Finance Lead (Europe) at the International Finance Corporation
Anzhela Kashperuk

Vice President of Business Development, Mastercard in Ukraine and Moldova
Vadym Polishchuk

Vice President of Business Development, Mastercard Services in Ukraine and Moldova
Andrew Kostenko

Program Development Manager for Small and Medium-Sized Businesses, Mastercard in Ukraine and Moldova
Anatoliy Ostapenko

Chairman of the Subcommittee on Social Protection of Veterans' Rights of the Verkhovna Rada of Ukraine Committee on Social Policy and Protection of Veterans' Rights
Andriy Poddyerogin

Director of Payment Systems and Innovation Development Department at National Bank of Ukraine
Emmanuel Papadacci-Stephanopoli

Vice-President
Fintech Observatory
Peter Penzes

Head of Crypto-assets and Innovation Section
National Bank of Slovakia
David Pollack

International Project Development
UNCHAIN
Violeta Moskalu

Founder & CEO
Global Ukraine
Ludmila Andreeva

Policy Officer, Digital Finance
DG Fisma
Roza Tapanova

Member of the Supervisory Board
Oschadbank
Viktoriia Strakhova

Member of the Supervisory Board
UKREXIMBANK
Serhii Chernenko

Chairman of the Board
FUIB
Oleksandr Bernaziuk

Chairman of the Board
MTIBU
Yevhen Shulika

Chairman of the Board
Asvio Bank
Volodymyr Mudryi

Chairman of the Management Board
OTP Bank
Serhii Panov

Chairman of the Board
Bank Credit Dnipro
Anton Tiutiun

Deputy Chairman of the Board
Oschadbank
Serhii Mahdych

Deputy Chairman of the Board
FUIB
Larysa Bondarieva

Deputy Chair of the Board
Raiffeisen Bank Ukraine
Volodymyr Ponomarov

First Deputy Chairman of the Board
Ukrgasbank
Inna Tiutiun

Board Member
Sense bank
Sergii Martynchuk

General Manager in Ukraine
Cisco
Maksym Vityk

Patron, artist, top manager, co-founder of
Vivid Fusion
Samvel Hakobyan

CEO and Co-founder
lilo
Dmytro Ryvkin

Financial partner Done, owner of SCF
Dmytro Stryzhov

Founder and Advisory Board Member of the SHERIFF
Maryna Avdieieva

Shareholder of Arsenal Insurance
Serhii Sinchenko

CEO
Moneyveo
Pavlo Matiiash

CEO
Activitis
Yuliia Fedosiuk

CEO
UAPAY
Vladyslav Bilan

CEO
MyCredit
Tetyana Nikolenko

Deputy CEO, Co-founder
PayForce
Volodymyr Dovgal

CEO
AVENTUS UKRAINE (CreditPlus)
Petro Bilyk

Partner and CEO
Juscutum
Andrii Gapon

Chairman of the Board
Entrepreneurship Development Fund
Mykola Volkov

Investment and Business Development Advisor
Activitis
Olha Bilai

Managing Director of the Deposit Guarantee Fund for Individuals
Ivan Stepanets

Innovation Director
iPay.ua
Oleksii Ruban

Director of Innovation NovaPay (NOVA Group)
Serhii Makarenko

Head of Trading Solutions
PrivatBank
Hlib Denisyuk

Development and Strategic Partnerships Advisor
Activitis
Olena Hrazhdan

Economic journalist
Kyiv Post
Kristina Karmazina

CEO
Bank Vlasnyi Rakhunok
Iryna Shynkarenko

Deputy Head of "Epicenter K" in the field of communications and advertising
Mario Khomyn

Head of Marketing
UKRSIBBANK BNP Paribas Group