| BIOGRAPHY

Mihaela Todica, or how she was baptized in Asia more than a decade ago – Misha, is VP Sales for Asia at EmbedIT, where she leads the company’s growth and IT transformation initiatives across the region.
EmbedIT is a technology and consulting company specializing in the design, development, and operation of modern financial platforms. As part of the PPF Group, EmbedIT built the technology stack behind Home Credit Group, supporting more than 150 million customers across multiple markets.
An internationally certified coach, Misha combines business and technology expertise with a strong focus on people, leadership, and long-term client relationships. She is passionate about building technology that not only solves operational challenges but also genuinely moves businesses – and the people in them – forward.

| TOPIC

Smart. Agile. Tech-Enabled: The Era of BFSI Risk Management

| ABSTRACT

Everyone in the industry is talking about AI. But McKinsey research shows only 5% of companies are capturing its real benefit. Instead of adding to the noise about AI’s potential, this session focuses on one practical question: how do you execute it safely, efficiently, and at speed?

That question matters more than ever in Vietnam right now. The consumer finance market is rebounding, with new regulations — including the State Bank of Vietnam’s emerging AI governance requirements — putting risk management and efficiency back at the center of the agenda, even as external pressures test household income and borrowers’ ability to repay. Risk management has shifted from a compliance function into a strategy-driven, business-critical one, with credit risk a top concern for every institution.

Against this backdrop, lenders face a genuine balancing act: approving more, improving customer experience, protecting profitability, and staying compliant — all at once. The real challenge isn’t choosing between growth and risk; it’s achieving both. This session shows what that looks like in practice, drawing on how market leaders are embedding new digital capabilities — from data, through modeling, to governance — directly into how they manage risk.