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Event

Lending 2025: the effects of digital and regulation in the retail segment

15.10.2025 10:00 - 16:15
Aula Pio XI | Università Cattolica of Milan, Largo Gemelli 1

DUAL MODE

Presentation of the workshop

The workshop aims to identify the challenges that banks and financial institutions have in restarting the economic and productive fabric, with a main focus on the residential, SME and consumer credit segments.

Among the topics at the center of the meeting:

  • Digital lending: between new products and over-indebtedness
  • AI and GenAI@work: the effects on credit analysis and deliberation processes
  • CRR3 and new regulations on residential property: the effects on risk and management policies
  • The cost of risk and funding policies: the effects on the profitability of the credit business
  • NPLs: what future of credit quality?

Agenda della giornata

Federico Rajola
Full Professor of Business Organization and Director Cetif
Università Cattolica del Sacro Cuore
Opening remarks.
Chiara Frigerio
Professor of Business Organization and Secretary General Cetif
Università Cattolica del Sacro Cuore
Digital lending in Italy
Francis Masi
Advisor
Bank of Italy
Credit and funding from a supervisory perspective: new regulatory challenges and digital transformation
Chiara Bacigalupo
Consumer Credit Concession Manager and Third Party Networks.
Intesa Sanpaolo
Michele Dapri
Head of the Central Concessionary Department of the Bank of the Territories
Intesa Sanpaolo
Intervention by
Teresio Testa
Chief Lending Officer
Banco BPM
Credit processes in the digital age: granting, monitoring and management
Tiziana Campanella
Chief Lending Officer
Ifis Bank
Digitalization and Human Capital: toward a holistic assessment of SMEs' creditworthiness - 'beyond models' 
Giada Gambadoro
Country Manager Italy
FICO
Smarter decisions, better results: the power of decision-making AI
Iacopo De Francisco
CEO
CF+ Bank
Business credit: digital evolution, AI, new operating models
Riccardo Del Sarto
Deputy Director General
Findomestic Bank
Findomestic: lending & daily banking, a constantly evolving model
Marco Ceccobelli
Deputy Director General
IBL Bank
The digital evolution in consumer credit; how sales processes are changing
Stefano Piscitelli
Chief Executive Officer
Younited
Beyond digital: the new balance of credit

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