Panagiotis Kriaris

Panagiotis Kriaris is a seasoned executive operating at the intersection of business, technology, and financial services. He currently serves as Director – Head of Business & Corporate Development at Unzer, a leading European payments platform based in Vienna, and is a member of the Advisory Board at the Merchant Payments Ecosystem (MPE).

With a career spanning over two decades, Panagiotis has held senior leadership roles at major international institutions, including Western Union, Sberbank Europe, Eurobank, and Société Générale. His expertise covers the full spectrum of the digital economy—from banking and fintech to retail and e-commerce—where he has consistently led strategy, innovation, and business growth on a global scale.

As a recognized thought leader and frequent contributor to top-tier industry publications, Panagiotis is now focusing on the next massive shift in the digital landscape. In his keynote, he argues that while software once ate the world, AI is now eating software. He will analyze how AI Agents are moving 'up the stack' to replace traditional SaaS workflows, signaling the end of the subscription era and the dawn of the Outcome Economy.