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Giuseppe Ficara - The Untold Story of Amplifon's Data & AI Transformation
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Germany Nov 11, 2025 Country Members Physical english
On the eve of the ServiceNow World Forum, CIONET invites you to an exclusive dinner in the fabulous Restaurant Little London in the heart of Munich City. Join leading CIOs, CDOs, and ServiceNow product owners for a candid exchange on how to get the most from your ServiceNow investment.
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Switzerland Nov 12, 2025 Country Members Physical english
CIONET invites you to a private dinner with a select group of enterprise CIOs and senior infrastructure leaders in Zurich – part of a multi-country dialogue series with IT executives across Europe. This strategic dialogue is designed for digital leaders to share insights on one of the most pressing challenges facing today's leaders: How can organisations build true digital sovereignty in the face of geopolitical uncertainty, regulatory pressure, and growing technological dependencies?
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Germany Nov 13, 2025 Country Members Physical german
Bauen Sie mit uns ein starkes Netzwerk führender WOMEN CIDOs aus der IT- und Technologiebranche auf! Unser zweites Treffen findet im PwC Experience Center in Frankfurt statt.
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Belgium Nov 13, 2025 Country Members Physical english
The Role of the Chief Information Security Officer (CISO) The role of the Chief Information Security Officer (CISO) is no longer confined to securing the network perimeter. As organisations become more digitally connected and data-driven, the CISO’s responsibilities have expanded far beyond traditional security measures. Today’s CISO must not only defend against cyber threats but also enable the business to innovate securely, manage complex regulatory environments, and instill a culture of trust across the organisation. This event will explore the evolving role of the CISO as a strategic leader who balances security with business enablement. As digital transformation accelerates, how can CISOs align their security strategies with organisational goals, ensure compliance, and lead their teams in the fight against increasingly sophisticated threats? Key Discussion Points: From Gatekeeper to Strategic Partner: How CISOs can shift from being seen as barriers to innovation to becoming key enablers of business agility and transformation through security. Balancing Risk and Innovation: Learn how top CISOs navigate the delicate balance between mitigating risk and supporting the organisation’s need to innovate and scale in a secure environment. Governance, Risk, and Compliance (GRC): Explore how CISOs are managing an increasingly complex regulatory landscape, ensuring compliance while still driving business objectives forward. Building a Security-First Culture: Practical strategies for CISOs to foster a culture where security is embedded into every part of the business, from boardroom discussions to frontline operations. CISO as Crisis Manager: How to prepare for and lead your organisation through major cybersecurity incidents. From ransomware attacks to data breaches, we’ll discuss how today’s CISO is as much a crisis manager as they are a strategist. Why You Should Attend: As a CISO, your role is evolving faster than ever before. This event is designed to provide you with actionable insights into how to embrace your expanded responsibilities while keeping your organisation safe and secure. Whether you’re focused on aligning security with business goals, navigating regulatory challenges, or leading in times of crisis, this event will equip you with the strategies to lead the next era of cybersecurity.
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UK Nov 13, 2025 Invitation Only Physical english
Join us on November 13th for the exclusive roundtable powered by Cognizant.
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Italy Nov 13, 2025 Invitation Only Physical italian
Questa roundtable sarà l’occasione per un dialogo diretto e peer-to-peer tra CIO, CISO ed executive della community CIONET.
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PenFed to bank on gen AI for hyper-personalization
After successfully leveraging chatbots to support employees and members, the credit union is now looking to generative AI to blend digital channels with data and thereby turn itself into a ‘cognitive credit union.’
Pentagon Credit Union (PenFed), the second-largest credit union in the US, is looking to generative AI to transform how it interacts with its customers. Its vision? To create a new, cost-effective channel that helps meet members needs — and learns as it does so, to the benefit of members and the credit union itself.
“What’s happened in our business over the years is every channel is expensive and it doesn’t ever replace another channel. It’s just additive,” says Joseph Thomas, PenFed EVP and CIO, who notes that today 80% of PenFed’s interactions are digital, 15% are via call center, and 5% still rely on physical branches. “But we realized that with AI, we could add another channel of engagement but very cost effectively. We could add chat with a bot-enabled interaction to solve the early, simpler questions.”
Even with more than 2.9 million members, as a credit union PenFed doesn’t have the resources of a traditional bank. It doesn’t have an innovation lab or center of excellence to help it develop new technologies. But it does have more than eight years of experience leveraging supervised ML to support credit risk modeling and decision making. And in that time, it also adopted Salesforce.
“Salesforce is not just a CRM for us,” Thomas explains. “Salesforce is a digital platform, and it already had capabilities with Einstein as part of the platform, so we could cheaply and efficiently get into AI-enabled chatbots.”
The credit union started its new service strategy by deploying an Einstein-powered chatbot internally to support its IT service desk. The bot, which leveraged PenFed’s body of knowledge articles to assist end-users with tasks such as password resets, proved its effectiveness immediately and now handles about 25% of common internal service requests, freeing up service desk staff to focus on more complex tasks.
Once Thomas’s team developed experience with the platform, it began rolling out bots externally to the credit union’s members. Today, bots handle nearly 40,000 sessions per month, providing loan application status, product and servicing information, and technical support.
“We wanted to use AI internally before we unleashed it on the members,” Thomas says, adding that, with Einstein packaged with Salesforce, PenFed was able to conduct those internal experiments and later offer the new channel to its members at no extra cost.
PenFed now resolves 20% of cases on first contact with Einstein bots, with a 223% increase in chat and chatbot activity over the past year, Thomas says. The chat channel has also taken pressure off PenFed’s call center, which has reduced its average speed to answer by a minute, to less than 60 seconds, even as PenFed’s membership has increased by 31%.
But it is phase three of PenFed’s AI journey that Thomas is particularly excited about: Using generative AI for an assistant that can interact more naturally than a traditional chatbot while gathering data for insights that can lead to more personalized interactions.
“I don’t normally get hyped up on technology; I’m much more practical,” Thomas says, adding that his primary focus is always delivering value. “But what I’m seeing with generative AI is the missing ingredient to the world of digital, to the world of data.”
For years, CIOs have invested in data initiatives — data science, business intelligence, analytics — and they’ve also investing in digital channels, Thomas explains. But generative AI offers the potential to “snap data and digital together” to help institutions like PenFed go “from the digital credit union to the cognitive credit union,” he says.
Thomas offers up an example to illustrate his point. Today PenFed members can use the credit union’s digital channel to, say, change a CD from automatic to manual renewal. With gen AI in the mix, even as the bot helps a member perform this task, it can seek to understand the meaning behind it. In this case, the member may be shifting to manual renewal in order to facilitate moving their investments to a new account with another financial institution once the current CD matures.
“They’re going to take their money to [the other institution] because [the other institution] has got a better rate,” Thomas says. “Let’s say ours is 4.5% and theirs is 4.75%. In today’s world, we’re missing the digital forensics that members leave behind with the digital transaction.”
With generative AI, that insight could trigger the system to deliver the member a personalized offer of, say, 4.7% via the member’s channel of preference. The member gets a personalized experience, and the business could target members likely to churn rather than creating a marketing campaign that offers a 4.75% rate to 500,000 members.
“Now you get this hyper-personalized business transaction that benefits both parties,” Thomas says. “That’s just a small example. I think the combinations are endless.”
As with its previous phase, PenFed is starting to use gen AI as a “copilot” for the credit union’s internal employee support line before the team extends the technology to its members. The next step will likely be a copilot for call center representatives dealing with member calls.
The credit union is using Einstein GPT on the Salesforce Financial Services Cloud because that’s where its knowledge articles sit. It is in the process of standing up Salesforce Data Cloud, which will act as the connection to other data sources.
“Data Cloud is going to be the zero ETL capability,” Thomas says. “It will get real-time data from Salesforce clouds and from our Snowflake environment.”
As Thomas sees it, that combination of real-time data and AI insights will further transform PenFed’s customer experience to an intelligent, mutually beneficial one for both the credit union and its members.
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Radosław Maćkiewicz - CEO at COI - Empowering Citizens Through Digital Innovation
Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
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Isabelle Droll - CIO for Airline, Corporate, Hotels & Resorts and Sustainability at TUI - Data, Diversity, and Destinations
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Sharon Prior - CIO in transition - How Great Tech Leadership Begins with Business Thinking
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As AI transitions from a specialised tool to an all-pervasive force, understanding its profound implications for our human lives is no longer merely academic but an urgent imperative for social well-being and strategic preparedness.
Geopolitical tensions have dominated the headlines for over two years now. In this context, the cyber threat landscape is also evolving rapidly. The protection and security of critical infrastructure – both physical and digital – is becoming increasingly important.
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