When money never sleeps: can deposits remain stable in a fully digital, 24/7 banking environment?

Summary

24/7 instant payments, stablecoins, and digital asset settlement are fundamentally reshaping liquidity dynamics. As financial products evolve—particularly in wealth management—deposits can move instantaneously, and liquidity can evaporate within seconds.

Enabling these innovations requires a rethink of underlying infrastructure, higher pre-funded liquidity buffers, and greater operational readiness.

As regulation and market practices continue to evolve across Europe, how should banks reassess liquidity risk in a world where funding flows continuously and globally?

And what becomes of traditional settlement processes and collateral frameworks in this new environment?

Key topics

• Implications of always-on markets for funding and liquidity stability
• Real-time payments and digital assets reshaping liquidity dynamics
• New liquidity risk frameworks in a 24/7 financial ecosystem
• Infrastructure readiness and the role of pre-funded buffers
• Tokenisation and fractional ownership in capital markets
• Collateral mobility and the evolution of settlement processes
• From traditional liquidity management to continuous liquidity monitoring
• Bridging regulated banking with digital asset ecosystems

Presenters

• Marco Kessler, Head Digital Assets SIX, Head Management Board SIX Digital Exchange AG
  With over 14 years of experience in management and technology consulting, I am passionate about capital markets, blockchain technology, and digital assets. I have led multiple digital transformation projects for clients across various industries and regions, delivering innovative solutions and value propositions. As the Head of Research & Development at SIX Digital Exchange (SDX), I am proud to be at the forefront of innovation, enabling the digital asset adoption in capital markets and financial market infrastructures. I work with a talented and diverse team of experts to design and develop the business models, strategies, and capabilities for SDX, the world’s first end-to-end platform for digital assets. My mission is to create a more efficient, transparent, and secure ecosystem for the future of finance.
• Ousmène Jacques Mandeng, Director and Founder at Economics Advisory Ltd
  Ousmène is a German economist and entrepreneur and focuses on the adoption and dissemination of digital monies and assets. He runs boutique advisory firm Economics Advisory that has been working mostly with Accenture supporting Accenture’s campaign globally for the origination and delivery of digital money projects including benchmark central bank digital currency (CBDC) projects. He is a Visiting Fellow at the School of Public Policy at the London School of Economics and Political Science, a Member of the Bretton Woods Committee, Fellow of the Reinventing Bretton Woods Committee and Member of Robert Triffin International and writes a blog at www.economicsadvisory.com
• Yorick Naeff, Head of Innovation at ABN AMRO Bank N.V.
  As Chief Innovation at ABN AMRO, Yorick Naeff focuses on embedding innovation as a strategic priority across the organisation while driving initiatives in AI, digital assets, and embedded banking. Working closely with teams across the bank, he also contributes to reducing technical debt, strengthening data foundations, and enhancing client experience—ensuring that innovation translates into tangible business impact. Prior to the acquisition of his company by ABN AMRO and Coinbase, he served as CEO and Co-Founder of BUX, a leading European mobile investment platform with more than one million users across the EU. This background reflects extensive experience in entrepreneurial ventures, business innovation, M&A, and scaling digital businesses. He currently serves on the ETF Advisory Board at J.P. Morgan Asset Management and on the International Advisory Board of Vrije Universiteit Amsterdam (VU University), further reinforcing his commitment to innovation and education within the financial sector.
• Dick van Driel, Product Management & Strategy at ABN AMRO Bank N.V. 
  Dick van Driel is a seasoned professional with extensive experience at ABN AMRO Bank N.V. since September 1997, serving in various capacities such as Domain Expert, Business Developer, and Business Advisor, specializing in projects related to Global Markets and ALM Treasury. Key contributions include managing significant projects like the MSR Programme, Murex Enigma, and the Initium project, with responsibilities spanning technical deliveries, quality assurance, and stakeholder engagement. Notable achievements also consist of strategic optimizations and the expansion of activities in Brazil. Prior to ABN AMRO, Dick held various roles at Amstel Capital Management and possesses educational background in Economics from institutions such as Université de Fribourg and University of Antwerp.
• Inna Schwartz, Chief Risk Officer at Sygnum
  Inna Schwartz is Chief Risk Officer (CRO) of Sygnum. With over 18 years’ experience in financial services, she has extensive expertise in risk management. Before joining Sygnum, she was with a leading Swiss fund management company as Chief Risk Officer (CRO) and head of the business risk division of the portfolio management team. Prior to that, Inna held roles at EFG International and Credit Suisse in Zurich, as a financial analyst to support the firm’s capital management and strategic acquisition strategy and respectively in risk and compliance management, all of which deepened her understanding of capital and risk management practices. In her early career, Inna was a financial analyst at US Bank Corp and later joined the Structured Products Advisory at Ernst and Young in New York. Inna holds a Master’s in Risk Management from Stern (NYU) Business School and a Bachelor’s in Economics and Management, and she is a certified Swiss Fund Officer.

The event will be introduced by Serena Fioravanti, SRA Board Member and Chief Risk Officer at ABN AMRO Bank and moderated by Elena Centin, Chief Risk Officer (CRO) SIX SIS, SIX Repo AG & SDX and Martijn Wycisk, Partner at Zanders Risk Advisory Group.

Agenda

17:45  Arrival & Name Tag Collection
18:00  Welcome and Introduction (Serena Fioravanti, Elena Centin, Martijn Wycisk)
18:05  Presentations
19:30  Panel with all the speakers and Q&A (All)
19:55  Conclusion
20:00  Networking Drinks
21:00  End

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