EMBank Spotlights Innovation at Baltic Fintech Days 2025

The heart of the Baltic fintech ecosystem beat louder than ever last week in Vilnius, as Baltic Fintech Days 2025 convened industry leaders, innovators, and regulators for two dynamic days of exploration and exchange. From transformative technologies to regulatory foresight, the event positioned the region as a driving force in Europe's digital finance revolution.

Drawing over 1,000 participants from across Lithuania, Latvia, Estonia, and broader European markets, the conference featured more than 60 speakers addressing key themes like artificial intelligence, digital identity, compliance automation, and the rise of embedded finance. As fintech solutions continue to reshape how consumers and businesses manage money, the Baltics are stepping forward not just as adopters but as builders of next-generation financial ecosystems.

Set against a backdrop of rapid digital acceleration and growing investor interest in the region, the event also featured curated networking lounges, startup pitch showcases, and strategic partnership sessions. This environment made Baltic Fintech Days not just a knowledge hub, but also a catalyst for cross-sector collaboration and deal-making.

EMBank's Strategic Participation and Thought Leadership
Amid the high-calibre discussions, European Merchant Bank (EMBank) emerged as a key figure at the event-both as a main sponsor and as a thought leader advocating for a smarter, more inclusive financial future.

Dr. Ozan Ozerk, founder of EMBank, delivered one of the event's standout keynotes titled "From Saving Lives to Saving Finance: What Medicine Taught Me About Fixing Money." Drawing from his unique trajectory from medicine to fintech, Dr. Ozerk explored how diagnostic rigour, ethical frameworks, and systemic analysis from healthcare can inform financial innovation. His address inspired attendees to view financial reform through a more human-centric and responsibility-driven lens, highlighting the need for long-term, principled solutions in an increasingly automated industry.

Drawing parallels between healthcare diagnostics and financial systems, he challenged industry leaders to adopt more ethical, proactive, and systemic approaches to financial reform. "In medicine, we are taught to diagnose early, intervene responsibly, and never lose sight of the individual," he stated. "Finance must do the same-identify systemic flaws before they become crises, act with long-term accountability, and build solutions that serve people, not just institutions."

He stressed the importance of precision, prevention, and transparency, offering concrete parallels between the disciplines. The keynote encouraged fintech builders and regulators alike to look beyond metrics and toward human outcomes-a call for deeper responsibility in financial innovation.

CEO Sarp Demiray on Data-Driven Personalisation
Adding to EMBank's impactful presence, CEO Sarp Demiray took the stage as a panellist in the session "Is Hyperpersonalisation the Ultimate Competitive Edge in Finance?" The panel examined whether personalised financial experiences driven by AI, customer data, and behavioural insights offer more than just marketing potential. Demiray underscored the importance of using digital intelligence to create real value for clients-delivering not just smarter offers, but services that reflect individual needs and financial goals.

Demiray shared a grounded perspective on how personalisation is evolving in business banking. "It's no longer a differentiator-it's an expectation," he said, pointing to a 2024 Forrester study that found 73% of corporate banking clients consider personalised service as standard procedure.

Demiray explained that while personalisation isn't new, AI and real-time data now make it scalable and timely. For EMBank, the goal is to act as a co-pilot for SMEs and fintechs, offering smart, contextual insights-without losing the human touch. "A tailored service that's mistimed or irrelevant still misses the mark," he noted.

He stressed that transparency is critical. Clients should know how their data is used and what they gain in return. "Think of it like a nutrition label for personalisation," he added. Looking to the future, Demiray predicted that financial services will become so integrated into business platforms that many SMEs won't even notice they're banking. His parting advice: "Show genuine interest to understand."

In the Crowd, With the Community
Beyond formal presentations, EMBank's team maintained a strong presence on the floor, engaging with founders, technology partners, and fellow banking professionals. These exchanges enabled EMBank to explore trends in banking-as-a-service, cross-border compliance, and emerging fintech partnerships-areas where the Bank is actively contributing to Lithuania's and the EU's financial modernisation efforts.

As EMBank continues to build its digital infrastructure and enhance user-centric banking experiences, the panel served as an important forum for aligning industry expectations with EMBank's ongoing innovation agenda.

Looking Ahead with Confidence
As a fully licensed bank headquartered in Lithuania, EMBank continues to bridge traditional financial systems with a forward-looking digital approach. Its presence at Baltic Fintech Days 2025 exemplified its support for the fintech community and its leadership in crafting responsive, data-driven, and secure banking solutions for modern businesses.

For more information about EMBank's products, insights, and innovation roadmap, visit https://em.bank/

Media Contact
Company Name: European Merchant Bank (EMBank)
Contact Person: Dilek Isik
Email: dilek.isik@em.bank
Country: Lithuania
Address: Pirkliu Klubas, Gedimino 35, Vilnius, 01119 Vilniaus, Lithuania
Website: https://em.bank/

European Merchant Bank (EMBank) is a specialized bank licensed by the European Central Bank, dedicated to empowering businesses and driving financial innovation. Founded in Vilnius, Lithuania, EMBank combines extensive banking expertise with modern digital banking solutions to meet the evolving needs of corporate clients and FinTech companies.

This release was published on openPR.