WORLD CONSUMER CREDIT REPORTING CONFERENCE 2025

Global Outlook on Credit Reporting: Navigating the AI-Driven Future

From insights to integrity: Rewiring financial infrastructure to promote equitable access, advance data governance, and foster sustainable development

Venue: Grand Fiesta Americana Coral Beach​, Cancùn​

CONFERENCE PROGRAMME

Global Outlook on Credit Reporting:​
Navigating the AI-Driven Future​

Sunday, 12th October 2025​

13:00-18:00

Delegate registration

18:30-23:00

Welcome Cocktail

Venue: Grand Fiesta Americana Coral Beach Cancún​

Monday, 13th October 2025​

07:00-09:00

Delegate registration and networking

09:00-09:15

Welcome & introduction

Mariusz Cholewa

CEO BIK, ACCIS President

Mauricio Gamboa Rullán

CEO of Buró de Crédito, President of ALACRED

09:15-09:45

The GenAI Era: a truly new way to make business

Objective : A strategic exploration of how Generative AI is redefining business, moving companies beyond mere automation and into a new era of unprecedented co-creation, innovation, and value.

Speaker line-up:

Abelardo Colunga

Head AI Division, Google Cloud Mexico

09:45-10:15

Champion-challenger risk models at embedded finance solutions

Objective: How the combination of traditional credit bureau data, alternative information sources, and embedded finance ecosystems are reshaping credit risk modeling for credit cards. The session will also address the evolving role of credit bureaus in this new data landscape and outline the opportunities and challenges they face to remain central players in the future of credit decisioning .

Speaker line-up:

José Murillo

CEO, Rappi Card

10:15-10:50

Expanding Data sources to Maximize Fraud Detection; Proof of Life   

Fraud's increasing complexity requires evolving data sources and creative techniques to optimize prevention.
While most fraud strategies rely on data from traditional sources, such as PII, device and digital, previously siloed data in large organizations may also help identify fraud more effectively.
TransUnion's family of capabilities in the unified OneTru™ environment allows us to explore and deploy complementary signals to enhance fraud detection.
In this session, we'll assess the impact of public records and phone data on synthetic fraud identification

Speaker line-up:

Steve Vejcik

Director Data Science & Analytics, TransUnion​

10:50 – 11:20

Networking Coffee break​

11:20-11:55

Rapid Fire Presentations

Objectives : To provide the audience with business case on latest development on AI driven risk management solutions

Biz case #1 AdviceRobo’s Human Centered AI Transformation of Credit & Fraud Decisioning

Dr. Diederick van Thiel

CEO, AdviceRobo​

Biz case #2 BIK Catching digital fraudsters with AI driven Behavioural Verification

Piotr Wojewnik

BIK Group Poland ​

11:55 -12:35

Credit reporting 3.0: Public Credit Registry and Private Credit Bureau powering the future of credit, risk management and regulatory oversight

Credit reporting is entering a new era — one defined by dynamic data flows, advanced analytics, and unprecedented collaboration between public institutions and private sector innovators. This panel will explore how strategic public and private partnerships are shaping the evolution of credit reporting, enabling stronger risk management, deeper regulatory insight, and faster, more inclusive innovation.

Moderator:

Collen Masunda

Senior SME Finance Specialist, Financial Institutions Group, International Finance Corporation (IFC)

Speaker line-up:

Rogério Rabelo Peixoto

Head of Division, Banco Central do Brasil

Davide Michele Meo

International Markets Director, CRIF

Tariq Jan

CEO, Datacheck Pakistan

12:35-13:10

Unlocking Rural Potential through Data and Credit Intelligence: How Credit Bureaus Empower Inclusive Growth in Agriculture

The panel will explore how credit bureau based solutions integrating new data source and analytics can support the agricultural finance sector trough sustainable private and public cooperation model. Business case from Brazil.

Moderator:

Elias Sfeir

Presidente Executivo, Associação Nacional dos Bureaus de Crédito ​

Speaker line-up:

Tiago Dahdah

Director of the Department for Agricultural Policy and Financing of the Agricultural Sector,
Ministry of Agriculture Brazil

Claudio Filgueiras

Chief Department of Regulation, Supervision and Control of Rural Credit Operations-DEROP,
Brazil Central Bank​​​

13:10-13:40

Business Lunch

13:40-14:10

Networking Coffee & Dessert

14:10-14:55

Cloud Sovereignty and Security in Credit Bureaus: Strategies and Future Trends

The session will explore how credit bureaus navigate cloud sovereignty, security, and regulatory demands while embracing innovation. Topics include protecting sensitive data in hybrid cloud environments, lessons from cloud migration and modernization, the role of Confidential Computing, and the future impact of AI, decentralized identity, and verifiable credentials on credit reporting.

Moderator:

Charles Low

Chief Policy Officer, ACCIS

Speaker line-up:

Dr. Klaus Kolitz

CTO, SCHUFA Germany

Eric Fish

Head FSI Compliance North America, Amazon Web Services

14:55-15:30

The Power of Small Loans: Big Data Lessons from Global Microlending or Lending Small

Thinking Big: Microlending Insights from Around the World.

Over 1.4 billion adults globally remain unbanked, creating a critical need for scalable, responsible microlending solutions.
In this keynote,  Andrea Golden will share insights on FICO’s experience analyzing credit bureau data to uncover cross-country trends, opportunities, and challenges in the micro-lending space.
Attendees will gain valuable perspective on how data-driven approaches can strengthen micro-lending efforts around the world.

Speaker line-up:

Andrea A. Golden

VP, B2B Scores and Predictive Analytics, FICO

15:30-16:00

Networking Coffee break​

16:00-16:55

The New Regulatory Frontier : how the future of credit reporting will be impacted by regulation of AI & data

This panel assembles experts in law and regulation from around the world to dissect the regulatory challenges of AI-driven credit reporting. The session will provide attendees with a global understanding of different regulatory responses in different regions. Discussions will cover topics ranging from consumer protection to data governance and more.

Moderator:

Charles Low

Chief Policy Officer, ACCIS

Speaker line-up:

Mario M. Arrúa León

VP Legal, Comms & Gov. Relations, Equifax

Carolina Restrepo

VP, General Counsel, TransUnion

Elvira Oliva

Regulatory Affairs Manager, CRIF

Rebecca E. Kuehn

Partner, Hudson Cook, LLP

Neil Munroe

Managing Director, BIIA and Deputy Chair, International Committee on Credit Reporting (ICCR)

16:55-17:00

Day One Wrap Up

18:00

Departure for the Meztiza restaurant

18:30

Gala Dinner at the Meztiza restaurant

22:00

Transfers back to hotel

Tuesday, 14th October 2025

08:30-08:55

Welcome and networking coffee

08:55-09:00

Welcome

Fabrizio Fraboni

Director General, ACCIS

09:00-09:25

WORLD BANK B-READY – Global survey presentation of the methodology related to Credit Reporting Industry

Business Ready (B-READY) report assesses the regulatory framework and public services directed at firms, and the efficiency with which regulatory framework and public services are combined in practice.

Speaker line-up:

Yulia Valerio

Private Sector Development Specialist, World Bank Group

09:25-10:10

The current state of the credit reporting industry in America and Europe

Objective : To provide the audience with valuable insights into regional variations in credit reporting practices, regulatory issues, challenges, and opportunities.

Moderator:

Dr. Michael Turner

CEO, Perc

Speaker line-up:

Petr Kucera

Regional Managing Director, Czech Credit Bureau, Slovak Credit Bureau, CRIF

Giovanna Cardellicchio

GM, Experian Panama

Dr. Petros Kapasouris

GM, Tiresias Greece

Andres Silveira

VP, Equifax Brasil

10:10-11:00

Rest of the world- the current state of the credit reporting industry in Latin America, Asia & Africa

Objective : To provide the audience with valuable insights into regional variations in credit reporting practices, regulatory issues, challenges, and opportunities.

Moderator:

Neil Munroe

Managing Director, BIIA and Deputy Chair, International Committee on Credit Reporting (ICCR)

Speaker line-up:

Zhitong Ding

Deputy General Manager of the Planning and Research Department, Credit Reference Center, the People’s Bank of China (CCRC)

Veysi Atli

KKB Turkey, ACIPE

Dr. Tunde Popoola

CRC Nigeria, ACCISA

Manahil Jaffar

GM, Mala’a Oman

11:00-11:25

Networking Coffee break​

11:25-11:50

Sex, Credit Reporting and Scoring

It is a widely accepted truism that women are better credit risks than men, on average. Yet despite this, women around the world are excluded from access to finance at much higher rates. How can credit reporting and credit scoring help level the playing field for women and help lenders improve portfolio performance and margins? Come hear findings from a forthcoming World Bank report on this topic.

Speaker line-up:

Dr. Michael Turner

CEO, Perc

11:50-12:10

Key trends and opportunities for credit reference agencies

This setting the stage presentation that will provide the essential context for our CEO panel discussion. Gain expert insights into the evolving market trends, challenges and disruptions, as well as the emerging opportunities.

Speaker line-up:

Stephan Beitz

Expert Associate Partner, McKinsey & Company

Pablo Fulcheri

Senior Expert, Global Leader of Credit Risk Solutions, McKinsey & Company

12:10-13:00

Strategic insights from industry leaders – the CEOs panel

Industry CEOs will discuss the most critical issues facing credit referencing services today. How is the industry powering data driven solutions? What are the new trends in the market? What are the best opportunities? And the threats? How does our industry generate trust?

Moderator:

Stephan Beitz

Expert Associate Partner, McKinsey & Company

Speaker line-up:

Mike Manaton

FICO USA

Satrajit Saha

Creditinfo UK

Mariusz Cholewa

CEO BIK, ACCIS President

Sungjun Chun

Director, Global Credit Bureau Business, Korea Credit Bureau (KCB)

Claudia Garcia

Managing Director, Equifax Mexico

13:00

Closing remarks

Fabrizio Fraboni

Director General, ACCIS

13:10

Networking lunch

Venue: Grand Fiesta Ameciana Coral Beach, Cancùn

Special Thanks to our Esteemed Sponsors