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Belgium 23-6-26 All Members Physical english
Sourcing for Autonomy, Resilience and Competitive Advantage. Global platforms offer incredible speed and innovation, but they also create deep dependencies that can expose your business to vendor lock-in, supply chain disruptions, and regulatory shifts. For today's CIO, the central challenge is no longer just about technology adoption; it's about building a digital foundation that is both agile and resilient. Strategic sourcing is the key. It has evolved from a procurement function into the primary tool for CIOs to navigate uncertainty, mitigate risk, and achieve digital autonomy. This session provides a practical playbook for using strategic sourcing to build a future-proof enterprise.
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Belgium 30-6-26 Public Physical french
L'IT Public au point de rupture : Vers un modèle à l'usage ? Transformer l'inertie en agilité : le défi du service public. Le constat : L’ère de la possession touche à sa fin Le citoyen n'attend pas que vous gériez des serveurs ; il attend des services. Pourtant, le modèle IT public reste prisonnier du « faire » plutôt que du « résultat ». Entre des budgets CAPEX verrouillés sur 5 ans et des cycles de procurement qui naissent périmés, l'écart se creuse. Le dilemme est stratégique : Comment passer d'une infrastructure que l'on subit à une informatique pilotée par le résultat (Outcome-based IT) ? Est-il possible d'adopter la souplesse du Cloud sans abandonner les clés de notre souveraineté ? L'objet du débat : Le "As-a-Service" au-delà du concept Nous vous invitons à remettre en question les promesses des modèles orientés vers la consommation. L'objectif est de débattre, sans tabou, du potentiel réel de ces approches pour le secteur public : Inverser la responsabilité : Passer de l'achat de matériel à l'achat de niveaux de service (SLA). Est-ce le secret pour libérer vos équipes de la maintenance ? Aligner le coût sur l'usage : En finir avec le surprovisionnement pour ne payer que ce qui est réellement consommé. Agilité "Procurement-proof" : Comment le modèle à l'usage permet-il de scaler en quelques jours ce qui prenait des mois d'appels d'offres ? La souveraineté par le contrat : Le "As-a-Service" sur site est-il le compromis idéal entre contrôle privé et flexibilité publique ? Le Format : "Zero Slides, Full Insight" Pas de présentation ni de marketing, uniquement une confrontation de visions entre pairs : Cercle restreint : Décideurs du secteur public francophone. Règle de Chatham House : Ce qui se dit à table reste à table. Débat pur : Une discussion structurée autour de vos doutes et de vos ambitions numériques.
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Belgium 30-6-26 All Members Physical english
As AI becomes critical to business success, organisations in highly regulated sectors such as Financial Services, Critical Infrastructures and Defence, face strict data privacy, security, and compliance mandates that make public cloud AI a non-starter. This interactive session will explore the practical realities, both the benefits and limitations, of bringing enterprise-grade AI capabilities directly onto your own premises. Join CIONET, Kyndryl, and Dell Technologies for an exclusive, hands-on roundtable and live workshop on navigating the crucial intersection of artificial intelligence, data sovereignty, and autonomous operations. We will move beyond the theory by bringing the physical machine into the room for a live, air-gapped demonstration of cutting-edge workloads running entirely on-site. This interactive workshop will bring together Digital Leaders to: Demystify Sovereign AI at the C-Level: Review the strategic trade-offs, architecture, and compliance advantages of running localised AI models. See Zero-Leak Secure Code Review in Action: Watch a live demo of an on-premise LLM scanning software for vulnerabilities, ensuring your codebase never leaves your secure infrastructure. Experience On-Premise Agentic AI: Witness a local, autonomous monitoring agent, utilising advanced, Claude-level reasoning capabilities, managing critical IT Operations tasks completely offline. Collaborate on Best Practices: Engage with peers to discuss deployment timelines, security frameworks, and infrastructure requirements for true data control. Don't miss this opportunity to interact with live hardware, engage with industry peers, and gain actionable insights into unleashing the power of sovereign and agentic AI.
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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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CIONET’s Cyber Circle: a new three-event programme exclusively focusing on the most urgent, complex, and high-impact challenges in cybersecurity today. Launched in 2026, this initiative brings together CISOs, CIOs, and senior IT executives with a strong interest in cybersecurity for three curated gatherings each year. As part of CIONET’s trusted executive community, the Cyber Circle provides a confidential, peer-driven environment to exchange insights, share real-world experiences, and address evolving cyber threats. Each session is designed to foster strategic dialogue, strengthen resilience, and elevate cybersecurity as a core driver of business value.
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