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Welcome to CIONET Belgium

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Upcoming Events

 
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Belgium 28-8-25 Country Members Physical english

20 Years CIONET - CIONET Belgium: Summer Festival

A special celebration marking 20 years of CIONET—two decades of empowering digital leaders and driving innovation in the technology landscape. This exclusive event will bring together our members to reflect on the incredible journey we've shared and look ahead to the future of digital leadership.Featuring keynote presentations from visionary CIOs, industry pioneers, and founding members, we’ll explore how far we’ve come and what lies ahead in the ever-evolving world of technology. Together, we will honour the contributions of our members who have shaped CIONET’s legacy while offering insights into how the community will continue to lead in the years to come.This is more than a celebration—it’s an opportunity to reconnect, reflect, and recharge with your fellow digital leaders. Don't miss this exclusive experience packed with inspiring talks, networking opportunities, and special recognitions that highlight the best of CIONET’s history and future.Let’s celebrate the past, present, and future of the digital community you helped build.

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Belgium 28-8-25 Country Members Physical english

Summer Festival - Advisory Board

A special celebration marking 20 years of CIONET—two decades of empowering digital leaders and driving innovation in the technology landscape. This exclusive event will bring together our members to reflect on the incredible journey we've shared and look ahead to the future of digital leadership. Featuring keynote presentations from visionary CIOs, industry pioneers, and founding members, we’ll explore how far we’ve come and what lies ahead in the ever-evolving world of technology. Together, we will honour the contributions of our members who have shaped CIONET’s legacy while offering insights into how the community will continue to lead in the years to come.

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Belgium 2-9-25 All TRIBERS Virtual english

What Does It Cost to Host an App? ; A practical guide to calculating hosting costs across infra, licenses, and operations

You’ve been asked a simple question: “What does it cost to host this application?” But the answer is anything but simple. The platform sits across multiple data centres. The app spans a few VMs, shares a backup system, uses licensed monitoring, and touches five different teams. Your CMDB should help, but it’s rigid, outdated, or incomplete. And yet, you still need to provide a number, clear, explainable, and grounded in reality.

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Upcoming TRIBE Events

 
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August 5, 2025 Squad Session Invitation Only Virtual polish

AI Act – praktyka stosowania na rynku polskim

AI Act – dyrektywa unijna regulująca wiele zasad wykorzystania AI w modelach biznesowych- już obowiązuje na polskim rynki. Ciekawe są prawdziwe i realne przypadki jej stosowania. Spójrzmy na temat od strony regulacyjnej, czyli prawnej. Ale zobaczmy praktykę aktywnej w temacie kancelarii prawnej. Zaprosiliśmy mecenaskę Aleksandrę Maciejewicz z kancelarii Lawmore, która od dłuższego czasu jest niezwykle aktywna i praktykuje w tym temacie. Poznamy podstawę prawną, praktyczne case’y i opis sytuacji oczami prawdziwego praktyka.

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August 6, 2025 Squad Session Invitation Only Virtual polish

DORA: wszystko, co chcielibyście wiedzieć, a baliście się zapytać

Michał Kulesza, adwokat, partner w departamencie technologicznym kancelarii Rymarz Zdort Maruta i szef zespołu regulacji ICT, przeprowadzi nas przez kluczowe wątki rozporządzenia i zmierzy się z pytaniami zgłoszonymi przez uczestników. Omówimy zarówno krytyczne aspekty na początku wdrożeń, jak i dostrajanie zmian na poziomie organizacyjnym i strategicznym. Masz konkretny temat, który warto poruszyć? Zgłoś go w trakcie rejestracji. Zamiast czytać między wierszami DORA – porozmawiajmy o tym wprost.

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August 7, 2025 Squad Session Invitation Only Virtual polish

Automated Systems Testing

Duże tempo developmentu i dokonywanych zmian wymaga nowej klasy testowania. Jakość systemów obserwowana na produkcji będzie pochodną skuteczności tego procesu. Duże nadzieje wiążemy z platformami wspierającymi testowanie i opartymi na AI. Sesja ta pokaże, gdzie jesteśmy w poszukiwaniu takich rozwiązań i gdzie ewaluuje myślenie szefów testów i ich rozwiązania organizacyjne.

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CIONET Partner Updates

CIONET Partner Updates

Recent Cases

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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 AI journey

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.”

 

The copilot approach

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.

Technologies

Einstein GPT

Partners

CIONET Circles

CIONET Business Circles

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Healthcare Circle

Digital Transformation is redefining the future of health care and health delivery. All stakeholders are convinced that these innovations will create value for patients, healthcare practitioners, hospitals, and governments along the patient pathway. The benefits are starting from prevention and awareness to diagnosis, treatment, short- and long-term follow-up, and ultimately survival. But how do you make sure that your working towards an architecturally sound, secure and interoperable health IT ecosystem for your hospital and avoid implementing a hodgepodge of spot solutions? How does your IT department work together with the other stakeholders, such as the doctors and other healthcare practitioners, Life Sciences companies, Tech companies, regulators and your internal governance and administrative bodies?

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Telenet Business Leadership Circle

The Telenet Business Leadership Circle powered by CIONET, offers a platform where IT executives and thought leaders can meet to inspire each other and share best practices. We want to be a facilitator who helps you optimise the performance of your IT function and your business by embracing the endless opportunities that digital change brings.

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Les Rencontres

Découvrez la dynamique du leadership numérique aux Rencontres de CIONET, le programme francophone exclusif de CIONET pour les leaders numériques en Belgique, rendu possible grâce au soutien et à l'engagement de nos partenaires de programme : Deloitte, Denodo et Red Hat. Rejoignez trois événements inspirants par an à Liège, Namur et en Brabant Wallon, où des CIOs et des experts numériques francophones de premier plan partagent leurs perspectives et expériences sur des thèmes d'affaires et de IT actuels. Laissez-vous inspirer et apprenez des meilleurs du secteur lors de sessions captivantes conçues spécialement pour soutenir et enrichir votre rôle en tant que CIO pair. Ne manquez pas cette opportunité de faire partie d'un réseau exceptionnel d'innovateurs numériques !

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Female Leadership Circle

CIONET is committed to highlighting and celebrating female role models in IT, Tech & Digital, creating a leadership programme that empowers and elevates women within the tech industry. This initiative is dedicated to showcasing the achievements and successes of leading women, fostering an environment where female role models are recognised, and their contributions can ignite progress and inspire the next generation of women in IT. Our mission is to shine the spotlight a little brighter on female role models in IT, Tech & Digital, and to empower each other through this inner network community.

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Check out our latest news

Testimonials

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Team

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Contact us

Would you like to know more about CIONET Belgium, membership or partnership opportunities? Do you have feedback or any other question? Send us a message!