In this keynote, Santosh Kumar, Senior Vice President and Head of Banking and FinTech Business at HCL Technologies, explores the transformative impact of fintech on the banking sector. As digital innovation accelerates, Kumar highlights how fintech is reshaping customer experiences, operational efficiencies, and the future of financial services. He addresses key trends, challenges, and opportunities driving this revolution, and outline strategies for banks to thrive in this new digital-first era. This session provides insights into how fintech partnerships can unlock growth and enhance resilience in an evolving financial landscape.