Future Banking Summit 2026: the future of compliance is better-connected systems, not more tools

At the 7-9 October 2026 edition, Qoobiss took the Future Banking Summit stage with two moments: a panel on how communication between financial institutions can reduce compliance friction, and a presentation dedicated to the Overwatch product.

Qoobiss took part as a Gold Sponsor of Future Banking Summit 2026, one of Romania's leading events for the financial industry, held from 7 to 9 October. The company's presence centered on two moments, both tied to the same theme: how financial institutions can cut the manual work in compliance without giving up human control over decisions.

Future Banking Summit 2026: Qoobiss shown among the Gold Partners alongside Data Core Systems, at the Limitless Compliance panel.

Vali Mureșan: communication between institutions can reduce compliance problems

On his panel, Vali Mureșan, Customer Strategy Manager at Qoobiss, started from a simple observation: much of the friction customers feel in their dealings with banks comes not from a lack of technology, but from a lack of communication between institutions and between departments within the same institution.

“Part of the compliance problem is about technology, but not all of it. There is plenty of technology in every institution, yet I believe that if financial institutions communicated better with each other, we would solve a good part of what the customer experiences as wasted time.”  – Vali Mureșan, Qoobiss

A concrete example is being asked for an ID document again and again. When a person's identity data is already on record, technology could remove steps that today still fall on the customer.

“The ID card is the friction we still put on the customer, and one that technology could help us remove.”  – Vali Mureșan, Qoobiss

On artificial intelligence, Vali Mureșan drew a clear line between the work that can be accelerated and the work that must stay with people. Alert triage is a strong candidate for automation, while the final decision remains human.

“Triage is the compliance decision that AI can make better or faster than a human. For example, AI could tell you very quickly which 10 to 15 alerts out of 100 deserve human attention. It would help us filter, but the decision has to stay human.”  – Vali Mureșan, Qoobiss

In the same spirit, sanctions-list and politically exposed person (PEP) checks are, in his view, among the first candidates for automation, because they call for speed and consistency rather than judgment, freeing analysts for the cases that genuinely need attention.

Vali Mureșan, Customer Strategy Manager at Qoobiss, on the compliance panel.

The panel's ideas were also covered by Future Banking and Wall-Street.ro.

Adrian Sălăgean: the future of compliance means better-connected systems

In his presentation, Adrian Sălăgean, Strategic Partnerships at Qoobiss, developed the same idea from a product perspective, built around Qoobiss Overwatch. His starting point was that the problem is often not a lack of technology, but a lack of connections between systems. The talk centered on five ideas:

• The problem is not always missing technology, but missing connections between systems. Information about customers, transactions, beneficial owners, and screening is often scattered across different applications, and AML analysts have to correlate it manually.

• Context matters as much as the alert. A suspicious transaction takes on a different meaning when it is analyzed together with the ownership structure, the customer's history, and the possible relationships between people and companies.

• Decisions must be explainable and verifiable. In an increasingly complex regulatory environment, it is not enough to know what decision was made. We must also be able to show the information, evidence, and rules it was based on.

• Automation should support human judgment, not replace it. Systems can reconstruct context, surface relevant relationships, and present the evidence, while the analyst keeps control over the decision.

• The future of compliance is not necessarily more tools, but better-connected systems. The goal is to reduce manual investigation work and give analysts more time for what truly matters: assessing risk and making decisions.

This is the perspective behind Qoobiss Overwatch: connecting information, context, and the investigation process into a single coherent flow, from the alert to the documented decision.

“We automate the reconstruction of context, not judgment.”  – Adrian Sălăgean, Qoobiss

Adrian Sălăgean, Strategic Partnerships at Qoobiss, presenting Overwatch.

From the talk: a chain is only as strong as its weakest link (regulation, technology, people).

About Qoobiss. Qoobiss builds software for remote identity verification, digital onboarding, AML compliance, and fraud prevention. Through products such as ONTRACE, ORIGIN, OMNICHECK, and Overwatch, Qoobiss helps banks, fintechs, and other regulated entities onboard customers faster and manage compliance risk in a single, connected flow.