Panagiotis Georgiou is a Digital Transformation and AI executive with over 20 years of experience in digital innovation, product development and enterprise transformation across insurance, telecommunications and financial services. He is currently Head of Product at Wallbid, where he leads the development of MyriOne, an agentic AI platform focused on transforming enterprise operations. MyriOne combines a living digital twin of business processes with specialized AI agents, helping organizations capture operational knowledge, automate workflows and continuously improve how work gets done. Previously, Panagiotis served as Chief Data & AI Officer at Allianz Greece, where he established the Data & AI Office, developed the company’s AI strategy and governance framework, and led AI initiatives across key business functions. Throughout his career, he has held senior leadership roles spanning digital products, customer experience and business transformation. Having experienced firsthand the challenges of driving transformation within large organizations, Panagiotis believes that the real opportunity of AI goes far beyond improving individual productivity or automating isolated tasks. He sees the next major shift in how businesses operate, moving from traditional systems of record towards intelligent systems of action, where people and AI agents work together to manage, execute and continuously improve business operations.