For 20 years in a row, Bank Management Conference stands at the forefront of Incumbents’ evolution exploring the transformation forces of the Banking Sector. 2022 Conference will explore the competitive burdens, reconsidering customer-centricity as Banking gradually becomes invisible via embedded finance with the adoption of platform-based approaches and use of APIs, aiming at quick wins and targeting viable mid-term priorities. This is signaling a special need on digital skills development to enable a sustainable “transformation journey” in a wider marketplace consisting of banks and enterprises using seamlessly common financial services achieving mutual and tangible benefits.