Bringing Together the Provenir Community in Northern Europe
24, September 2025
Stockholm – C Hotel, Vasaplan 4, 111 20
Join us in Stockholm to hear the latest on our roadmap, explore innovations in AI-driven risk decisioning, and connect with peers who are shaping the future of financial services.
Agenda:
13:00 – 13:15
Introductions
Welcome and opening remarks.
13:15 – 14:45
Provenir Roadmap Overview
A detailed walkthrough of what’s coming in our roadmap, plus the opportunity for you to share your feedback and shape future developments.
14:45 – 15:00
Break
15:00 – 15:45
Customer Story
Hear from one of our long-standing customers as they share their journey with Provenir – the benefits, challenges, and lessons learned along the way.
15:45 – 16:45
AI within Risk Decisioning
An open discussion on how AI is transforming credit and risk decisioning, along with insights into Provenir’s innovation roadmap in this space.
16:45 – 17:00
Close
17:00 onwards
Networking
Drinks at the hotel.
Why Attend?
Gain exclusive insight into Provenir’s roadmap and innovation plans.
Learn from customer experiences and best practices.
Explore how AI is reshaping risk decisioning.
Network with industry peers and the Provenir team in a collaborative environment.
Traton Financial Services operates as a finance provider for the wider Traton Group, one of the world’s largest commercial vehicle manufactures. Traton comprises of 4 major brands – Scania, MAN, International Financial and VW Bus & Trucking.
Traton Financial Services’ primary role is to provide financial options that help drive the growth and strategic goals of each business unit.
Today, Traton Group has circa 105 thousand employees, spread over 100 countries globally.
Industry
Region
Countries
Sweden, Finland, Denmark, Norway
Line of Business
Solution
Module
Infrastructure
ROI
Competition
Customer Timeline
Land MRR: €10K Land PS: €194K Expansion MRR: €29K Expansion PS: €500K Future MRR: ~€ 20K (TFS) Future PS: €250K
Opportunity Created
April 2020
Opportunity Won
February 2021
Go-Live
Scania Italy January 2024 Scania Australia May 2024 MAN Italy May 2024 MAN Spain Jan 2025 MAN Portugal June 2025
Customer Expansion
In Progress
Discussions around Cloud 2 and adoption in other geographies
Subscription Services – driving self sufficiency.
Future
Broaden discussions into Fraud
Leverage success to drive across the wider VW Group
Initial Opportunity Details
Customer Challenge
Our journey began with Scania who were looking to replace a fractured legacy of disparate systems across their global business units with a modernized singular decisioning platform to support their TOM. They were focusing on removing customer friction from the sales process and supporting a move towards a single Global Customer View.
Following the merger into Traton FS, Provenir was selected as the group standard as they looked to address a larger problem: how to create a unified, consistent customer experience across the group. We are now in the process of supporting the central team drive this standard to the global business units.
Provenir Impact
Improve operational efficiency through Digitalization & Automation of the customer onboarding and credit processes
Improve CX and conversion rates through customization and real time decisioning
Provide better overview, control and risk governance through a structured global platform
Support growth through improved flexibility, speed and scalability
Competitors
Experian, FICO
Why We Won
Data-Orchestration / Integration:
We demonstrated the ease in which we can automate 3rd party calls to provide a single view of the customers data, integrating into various systems globally.
Re-Use for accelerated value:
Traton’s ambition for a global harmonisation of their credit systems meant re-use was essential for their business to scale. This was a clear differentiator for us in the process.
Pain Points
Slow transactions with too much customer friction
No Consistency – bad global standard
Lack of Global and Local Customisation
Customer Growth
Short-Term Growth Opportunities
Self-Sufficiency:
Driving the adoption of a subscription service that will provide their centralised team with access to enablement materials and collaboration with wider PS / DS teams.
New Business Units
Expansion into Thailand & Malaysia. These units are run by the team in Australia, where we are already live, and provide us the opportunity to consolidate the APJ triton business units onto a single instance, separate from the existing global infrastructure.
Expansion
We are engaging with Traton on expansion into other regions, where Data Residency laws are making it challenging for the local business units to leverage the existing global solution. Each deployment across into new regions ensures that the Provenir solution becomes a more integral component of their global architecture.
Smart Customer Management: Using Hyper-Personalisation to Power Growth and Pre-Delinquency Insights to Mitigate Risk
Transform Your Customer Management Strategy with AI-Driven Decisioning
October 8, 2025
8:15 AM – 12:00 PM
Wyndham Grand İstanbul Levent Hotel & Conference Center
What You’ll Learn
Hyper-Personalisation Strategies Discover how AI-driven approaches can transform your customer engagement, reduce churn, and maximize ARPU through dynamic, contextually relevant experiences.
Pre-Delinquency Prevention Learn proven strategies to identify at-risk customers early and implement proactive interventions that preserve relationships while protecting revenue.
Global Market Insights Understand how international trends are shaping Turkey’s customer management landscape and what this means for your organization.
Real-World Results Hear firsthand from Garanti BBVA about their successful customer management transformation and the measurable business impact achieved.
Agenda
8:15 AM – 8:30 AM
Arrival and registration
8:30 AM – 9:30 AM
Breakfast and networking
9:30 AM – 10:00 AM
Opening & Provenir Introduction – Gülçin Uysal, Senior Sales Executive, Provenir & Louis Garner, Vice President Account Management, Provenir
10:00 AM – 10:20 AM
The future of customer experience: Hyper-personalisation — AI driven approach How to deliver hyper-personalised strategies that improve customer management and reduce risk.
Preventing Delinquency Before It Starts The best pre-delinquency strategies focus on engaging customers early, identifying risks, and taking actions before payment issues escalate.
Global Shifts, Local Impact: AI- Driven Customer Growth in Turkey’s Banking Future
Gökhan Mataracı: KPMG Türkiye, Innovation and Technology Consulting Leader, Partner
11:10 AM – 11:30 AM
Real-World Impact: Wholesale Digital Transformation Case Study from Garanti BBVA
Alp Gürakan, Risk Solutions Manager / GarantiBBVA Türkiye
11:30 AM – 12:00 PM
Closing & Wrap Up
Join us for an exclusive breakfast event in Istanbul
Featured Speakers
Alp Gürakan
For over 10 years, Alp Gürakan has been leading the transformation of origination, monitoring/early warning and collection processes within Garanti BBVA commercial and corporate credit life cycle. He focuses on leveraging digitalization and automation to build a smart and effective risk management framework. His expertise lies in developing solutions that not only address today’s needs but also shape the future of business models.
Gökhan Mataracı
Gökhan Mataracı is a Partner at KPMG Türkiye, where he leads Innovation & Technology Consulting as well as the Technology, Media, and Telecommunications (TMT) sector. With 19+ years of experience spanning software development, strategic consulting, and enterprise data management, he drives technology and data-driven transformation projects, focusing on AI, digital strategy, customer experience, and embedding innovation into corporate culture.
Gülçin Uysal
Gülçin Uysal is Business Development Director at Provenir, covering Turkey, the Balkans, and the Southern Caucasus. An Industrial Engineer with an MSc in Engineering Management, she brings 25+ years of sales and business development experience, supporting banks and financial institutions with a consultative approach.
Louis Garner
Louis Garner, Vice President at Provenir, brings over 20 years of experience in driving growth and innovation across the technology, financial services and SaaS sectors. He leads the strategy and execution of market expansion across Europe, the Middle East and Africa, partnering with organisations to harness the strategic power of AI-driven decisioning and SaaS innovation. Louis enables businesses to scale with confidence, adapt with agility, and create exceptional experiences that shape the future of customer engagement. By aligning advanced decisioning technology with business ambition, he ensures clients unlock new opportunities for transformation and sustainable growth.
Rakesh Tadathilveedu
Rakesh Tadathilveedu is a senior presales consultant at Provenir with 20+ years in banking and fintech across Middle East and APAC. He architects solutions for Tier-1 banks, digital lenders, and e-commerce/fintech players on AI-powered credit decisioning, application-fraud prevention, and customer management/collections. Rakesh blends techno-functional depth with business impact and holds advanced degrees in management and cybersecurity, plus certifications in fraud, risk, and project delivery.
Enabling Responsible Growth and Customer Trust in Indonesia’s Digital Lending Landscape through Data-Driven Insights
Bringing together visionary minds from Indonesia’s financial sector to spark dialogue and innovation.
23rd Oct 2025
11:00 AM – 2:00 PM WIB
The Ritz-Carlton Jakarta, Mega Kuningan
As digital transformation accelerates across Southeast Asia, Indonesia stands at a pivotal moment—driven by innovation, a rapidly expanding fintech ecosystem, increasing regulatory oversight from OJK and Bank Indonesia, and evolving customer expectations.
This invite-only executive roundtable will convene thought leaders from banks, fintechs, digital lenders, and regulators to explore how financial institutions can:
Meet rising expectations for responsible lending
Deliver exceptional digital experiences
Build lasting customer trust in a competitive, risk-sensitive environment
We’ll explore how intelligent decisioning, low-code orchestration, and real-time data are transforming onboarding and credit decisioning—empowering lenders to drive sustainable growth, reduce risk exposure, and enhance the customer lifecycle from acquisition to long-term retention.
Discussion Highlights:
Responsible Lending in a Regulated Landscape How Indonesian lenders can align with OJK’s and Bank Indonesia’s expectations using real-time affordability insights and intelligent decisioning.
From Acquisition to Customer Lifetime Value Strategies to shift from transactional relationships to lifecycle engagement, boosting retention and profitability.
Trust Through Transparency Leveraging consent-driven data, explainable AI, and transparent decision-making to earn and maintain customer trust.
Frictionless Digital Journeys Reducing onboarding friction with AI, eKYC automation, and low-code orchestration for seamless customer experiences.
Indonesia’s Financial Outlook Balancing credit growth with increasing fraud risks and evolving consumer demands in the country’s digital finance sector.
Why Attend?
Learn from local and regional success stories
Engage in off-the-record dialogue with industry peers
Grow your professional network over a curated three-course meal
Walk away with actionable insights to drive trust and customer growth
Who Should Attend?
This session is curated for senior executives and decision-makers in:
Retail & Digital Banking
Risk, Fraud & Compliance
Customer Experience & Product Strategy
Data Science & Decisioning
Fintech, BNPL & Lending Platforms
Agenda:
11:00 am – 11:30 am
Welcome and Arrival
11:30 am – 11:45 am
Opening Remarks
11:45am – 12:30 pm
Keynote Presentation
12:30pm – 1:30pm
3-Course Meal
1:30pm – 2:00pm
Networking & Closing Remarks
The Provenir Thought Leadership Roundtable Series brings together industry visionaries, C-level executives, and thought leaders for insightful discussions on redefining risk decisioning strategies. The series fosters a collaborative environment for sharing forward-thinking perspectives, exploring innovative approaches, and shaping the future of fraud prevention in an era of rapid technological evolution and increasing digital risk.
Speaker:
Wana Sedayu
Senior Presales Consultant, APAC — Provenir
Wana is a Senior Presales Consultant at Provenir, supporting clients across the APAC region in driving digital transformation within the financial services sector. With over 15 years of experience in the industry, Wana brings deep expertise in loan origination, core leasing, credit decisioning, and customer management solutions.
Beginning his career as a software developer, Wana later transitioned into business consulting before dedicating the past decade to presales and value engineering roles. He has worked with prominent institutions such as Citibank, SMBC Indonesia, Bank Danamon, Bank of America, the Indonesia Stock Exchange, and the Ministry of Finance, contributing to numerous high-impact technology initiatives. OnlinePajak as Senior Manager Presales, and Fujitsu Indonesia as Presales Manager.
Combining his technical foundation with a strong business perspective, Wana is passionate about helping financial institutions accelerate innovation, optimize their decisioning processes, and achieve measurable business outcomes through data-driven solutions.
Fraud isn’t static – it’s adaptive and sophisticated. Our customers tell us they’re facing pressure on all sides: fraud is more complex, data is fragmented, and outdated systems are slowing them down.
Pressure to deliver effective, real-time fraud detection
Unnecessary friction leading to abandonment of good customers
Limited data flexibility in many decision systems
Rigid systems preventing quick adjustment to new fraud trends
Multiple decision systems creating silos across fraud, credit, and KYC
Ongoing demand for fraud operations to deliver more with less
A Connected, Real-Time Approach to Application Fraud
1. Data Orchestration
All the data you need – right when you need it.
Real-time access to 130+ Marketplace partner data sources
Easily connect your own internal data alongside partner data
Get a complete risk picture by unifying behavioral, identity, device, and bureau data into one flow
No restrictions – choose the right data and adapt your stack instantly
Use Case Spotlight: BANKS
Stop identity and synthetic fraud before account opening. Unify device, behavioral, and KYC signals to verify customers and block high-risk applications — without replacing core systems.
2. Flexible Decisioning
Fraud moves fast – your decisioning should too.
Build bespoke schemas tailored to risk policies and business needs
Combine policy rules, KYC, and AI-powered machine learning models
Detect first-party, identity, synthetic, and high-risk fraud in real time
Uncover anomalies and unusual behavioral patterns at application and post-application stages
Adapt strategies instantly – launch changes in hours, not months
Ensure full transparency and explainability with intuitive no-code control
Use Case Spotlight: LENDERS
Catch first-party and identity fraud before approval — and continue monitoring for high-risk behavior post-application.
AI connects behavior and history for confident, real-time decisions.
3. Centralized Case Management
Fully integrated investigations, built for efficiency.
Unify fraud signals and applicant data into a 360° case view
Streamline workflows to reduce manual effort and investigation time
Configure processes to adapt seamlessly to your fraud ops team
4. Decision Intelligence
From data to smarter, faster decisions.
Leverage AI-powered dashboards to gain visual insights into fraud trends and performance
Access key metrics for fraud ops, analytics, and engineering teams to act faster
Optimize strategies to reduce fraud risk and boost approval rates with confidence
Use Case Spotlight: TELCOS
Detect high-risk orders and unusual usage patterns before fulfillment. Leverage customer profiling – built from historic and behavioral data – to detect anomalies that signal identity fraud, account takeover, or SIM abuse.
Why Fraud Teams Choose Provenir
Tired of rigid platforms, vendor black-box, or systems that can’t keep up? Provenir is different. You stay in control:
Detect
evolving fraud in real time – without frustrating good customers
Integrate
130+ Marketplace partners – with your own data into a single flow
Adapt
instantly to new fraud trends – launch updates in hours, not months
Unify
fraud, credit, and KYC on one platform – eliminating silos and inefficiency
Smarter Fraud Prevention. Proven Results.
135% more high-risk transactions stopped — with zero added friction.
STOP
fraud faster with real-time adaptive protection and monitoring
BOOST
customer approvals through accurate, explainable decisions
STREAMLINE
case management and workflows to increase efficiency at scale
UNCOVER
hidden fraud patterns and anomalies with AI-driven insights
Let’s Outpace Fraud – Together.
Don’t settle for black boxes – get the fraud solution built for freedom, speed, and results.
Customer Lifetime Value – Unlocking Growth Through Intelligent Customer Management
13th November 2025
6:30 PM – 9:00 PM
The Ritz-Carlton, Dubai International Financial Centre
In today’s hyper-competitive financial services landscape, the race is no longer just about customer acquisition—it’s about maximising Customer Lifetime Value (CLV). As acquisition costs rise and customer expectations evolve, banks and lenders must shift toward long-term, value-driven relationships.
CLV is becoming a critical metric that informs decisions across pricing, personalisation, and risk. Yet many institutions still rely on siloed, backward-looking systems that fail to activate CLV as a real-time lever for growth.
The future lies in intelligent customer management—where AI, predictive analytics, and real-time decisioning work together to deliver proactive, hyper-personalised engagement across every stage of the customer lifecycle.
We are honoured to be joined by Mohammed Ismaeel Hameedaldin, whose expertise in Product and Brand Marketing will offer valuable insight into how leading banks and fintechs are turning CLV into a strategic growth engine.
Key Discussion Points:
How connected customer management drives long-term value
Using predictive analytics to inform lifecycle decisions and boost retention
Real-time decisioning: from insight to action at the point of interaction
Aligning CX, risk, and data teams to maximise CLV
Future-proofing your customer strategies with AI-powered platforms
Format:
6:30 PM
Arrival and welcome drinks
7:00 PM
Keynote from Mohammed Ismaeel Hameedaldin, Partner at TOUGHLOVE Advisors and Chairman of the Marketing Society in the GCC
7:20 PM
Roundtable discussion and dinner is served
9:00 PM
Official close and summary
Register your interest here
Mohammed Ismaeel Hameedaldin
Partner at TOUGHLOVE Advisors and Chairman of the Marketing Society in the GCC
A Business Leader, a Product & Brand Marketer, a Mentor, and a passionate People Leader.
Mohammed is a Partner at TOUGHLOVE Advisors and Chairman of the Marketing Society in the GCC. He is a former CMO with over 30 years of experience across varied multi-national blue-chip firms.
Initially starting his career in finance, where he spent the first 5 years of his working life, his real passion is in the field of Marketing, where he has spent the last 27+ years across diverse marketing functions including Insights, Marketing Strategy, Planning and Consulting, Sponsorship & Events, Product & Brand Marketing as well as all aspects of Social, Digital and Data led Marketing. He’s a strong believer in marketing as a business function, with a real focus on the value it brings to the bottom line. He started his career at Citibank, and the next 10 years at P&G followed by a similar stint at HSBC before finally moving to Visa Inc where he spent the last 7.5 years as the SVP of Marketing across 90 Markets.
In addition, he was the executive sponsor for both the Mental Health and Wellness as well as Women’s Leadership Networks at Visa, both areas he is extremely passionate about and are areas that he championed both in and out of Visa.
The ProvenirNEXT Leadership Roundtable Series brings together industry visionaries, C-level executives, and thought leaders for insightful discussions on redefining risk decisioning strategies. The series fosters a collaborative environment for sharing forward-thinking perspectives, exploring innovative approaches, and shaping the future of fraud prevention in an era of rapid technological evolution and increasing digital risk.
Join us for an evening of connection, cocktails, and conversation among banking professionals
18th September 2025
5:30 PM – 8:30 PM
The Menier Penthouse, London Bridge
Provenir invites you to an exclusive networking evening — set against the stunning skyline backdrop of The Menier Penthouse. This is not your typical business event — no panels, no presentations, just great company and engaging conversation in a relaxed and elegant environment.
What’s in Store
Opening Insights: Rethinking “Build vs Buy”
Kick off the evening with brief insights from our partner NewDay, who will share their unique “Buy to Build” approach. This short welcome will set the stage for thought-provoking discussions that challenge traditional assumptions and spark fresh perspectives on technology strategy.
Cocktail Masterclass
Enjoy an interactive cocktail-making session led by an expert mixologist. Whether you prefer a classic or something more inventive, you’ll have the chance to craft your own drinks while learning new skills.
Meaningful Networking
Connect with senior financial services professionals and thought leaders from across banking, fintech, credit and risk. Share insights, exchange ideas, and make valuable connections in a relaxed, informal atmosphere designed for authentic dialogue.
Who Should Attend
Senior professionals and thought leaders from:
Banking
Fintech
Credit
Risk Management
Why ProvenirNEXT London?
Networking with purpose: We’ve partnered with NewDay to create an evening that goes beyond typical networking, introducing fresh perspectives on strategic technology decisions
Challenge conventional thinking: Engage with new approaches to the “Build vs Buy” conversation through real-world insights and peer discussions
Learn while you network: Master new cocktail-making skills with expert guidance while building professional relationships
Quality connections: Connect with senior decision-makers and industry leaders in a relaxed, elegant environment designed for authentic networking
Ready for networking with a difference?
Secure your spot at London’s most sophisticated professional gathering.
Meet Provenir at the Datos Insights Financial Crime and Cybersecurity Forum 2025
August 26-27, 2025
Charlotte, NC
Datos Insights’ Financial Crime and Cybersecurity Forum
Join us at this premier gathering of financial crime fighters as we explore how innovative technology is transforming fraud prevention and cybersecurity in financial services.
Don’t Miss Our Expert Panel Discussion
“When Good Customers Go Bad: The Growing Challenge of First-Party Fraud”
Speaker: Jason Abbott, Director of Fraud Solutions, Provenir Date & Time: Wednesday, August 27 | 10:45 AM – 11:30 AM
First-party fraud is one of the fastest-growing threats facing financial institutions today. Join our expert discussion as we dive deep into:
Emerging patterns in first-party fraud schemes
Advanced detection techniques and behavioral analytics
Real-world case studies and prevention strategies
How to balance customer experience with fraud protection
Schedule a One-on-One Meeting with Our Fraud Experts
Stay Ahead of Evolving Threats: Learn how leading institutions are leveraging AI and machine learning to detect sophisticated fraud patterns before they impact your bottom line.
Real-World Solutions: Get insights from our fraud experts who work with top-tier financial institutions daily.
Innovation Insights: Explore cutting-edge fraud prevention technologies including behavioral biometrics, device intelligence, and advanced analytics that are reshaping the industry.
Multi-Faceted Fraud Response Strategies for Financial Services
Our VP of Product Management for Fraud Solutions, Sophia Qureshi, recently returned to the AI in Financial Services podcast to discuss the topic of multi-faceted fraud response strategies for financial services.
Today’s guest is Sophia Qureshi, VP of Product Management for Fraud Solutions at Provenir. Provenir is a fintech company whose AI decisioning platform helps clients manage credit risk, prevent fraud, and stay compliant across the customer lifecycle. Sophia joins the podcast to discuss the evolving threat landscape and how AI is changing the balance of power. Later, she explains the ways fraud detection has traditionally relied on deterministic technologies like anomaly detection and how the rise of generative AI has enabled more sophisticated fraud tactics, from deepfake identity forgeries to large-scale phishing campaigns. If you’ve enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!
Ryt Bank, The World’s First AI-Powered Bank, Selects Provenir for AI Risk Decisioning
Provenir’s AI Decisioning Platform will support real-time credit risk assessment, personalized consumer loan approvals and automated compliance checks
Parsippany, NJ – July 23, 2025 – Provenir, a global leader in AI risk decisioning software, today announced it has partnered with Ryt Bank – The World’s First AI-Powered Bank to embolden the company’s innovation and mission to deliver banking done right with speed, simplicity, and innovation.
Ryt Bank has selected the Provenir AI Decisioning Platform to power faster credit decisions and more personalized customer offers for its consumer lending products.
As a newly licensed digital bank, Ryt Bank aimed to rapidly launch a consumer lending product that aligns with its AI-first approach. The challenge was to implement a decisioning infrastructure capable of delivering instant, personalized loan approvals while ensuring compliance with regulatory standards and risk management best practices.
Ryt Bank selected Provenir’s AI Decisioning Platform to support real-time credit risk assessment for instant loan approvals, and for its ability to surface data insights for personalized loan offers based on AI-driven customer profiling. Provenir will also play a crucial role in automating compliance checks to meet regulatory requirements while providing continuous learning models to adapt to changing market dynamics. Finally, Provenir will support fast, accurate decisions to elevate the customer experience, supporting Ryt Bank’s mission to deliver smarter, faster finance and create meaningful impact for all Malaysians.
“Ryt Bank is taking digital banking to a new level with its AI-first approach and we are excited to be a part of its journey… Our AI Decisioning Platform will provide the foundation for Ryt Bank to help reach its business goals via AI-driven decisioning that meets customer expectations for near instant approvals and highly personalized digital interactions.”
Let’s Start the Conversation
Have questions about risk decisioning, compliance, or AI in banking? Our regional team is here to help.
