--- title: "Publications & Perspectives" url: "https://www.lubauram.com/publications-perspectives/" description: "Topics and articles that move Luba - as a business leader, tought leader, and woman in tech. On social media, in interviews, on Forbes and her blog, she reflect on what drives innovation, leadership, and transformation. It’s not about loudness. It’s about relevance. And the courage to speak up." date: 2025-04-30 modified: 2026-02-24 lastUpdated: 2026-02-24 --- # Publications & Perspectives ##### My Voice **PUBLICATIONS ACROSS CHANNELS** -------------------------------- I share what moves me – as a business leader, tought leader, and woman in tech. On social media, in interviews, on [Forbes](http://www.forbes.com) and my blog, I reflect on what drives innovation, leadership, and transformation. It’s not about loudness. It’s about relevance. And the courage to speak up. --- [GET IN TOUCH](https://www.lubauram.com/contact/) MY SELECTION OF PUBLICATIONS ------------------------------ --- - [![](https://www.lubauram.com/_assets/processed/KPJs3R7sfnn-g-hiF5lQ1QU_Flut1dKVyw4TM-NYKZ4/q:85/c:1440:808.98876404494:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0tleW5vdGVfYXRfSVRDU18yMDI1X2M4MTcyYjg1OTY:t/cb:7c7a2123509d6954cfa5c82b4a64be0a6d18c101/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvUHVibGljYXRpb25zL0tleW5vdGVfYXRfSVRDU18yMDI1LnBuZw)](https://www.youtube.com/watch?v=FSVnbMDk4ps)### [ Keynote @ITCS ](https://www.youtube.com/watch?v=FSVnbMDk4ps) 2026-01-07 [ More ](https://www.youtube.com/watch?v=FSVnbMDk4ps) - [![](https://www.lubauram.com/_assets/processed/Ch0Vt9vRj9QAQi0o2UsVgKoL3zD-mhSA4J7XNBIuRwk/q:85/c:1600:898.87640449438:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0FCSS1MYWItQ29uZmVyZW5jZS0wM18yMDIzX2IzNjI2ZmI5ZTY:t/cb:8c830725a09b935ff3d64b347d830b13f0e52e31/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvUHVibGljYXRpb25zL0FCSS1MYWItQ29uZmVyZW5jZS0wM18yMDIzLnBuZw)](https://www.linkedin.com/posts/luboslavauram_digitaltransformation-innovation-banking-activity-7044561477101326337-dNdA/?originalSubdomain=sk)### [ Speaking at ABI LAB ](https://www.linkedin.com/posts/luboslavauram_digitaltransformation-innovation-banking-activity-7044561477101326337-dNdA/?originalSubdomain=sk) 2025-04-30 [ More ](https://www.linkedin.com/posts/luboslavauram_digitaltransformation-innovation-banking-activity-7044561477101326337-dNdA/?originalSubdomain=sk) - [![](https://www.lubauram.com/_assets/processed/evXK5OGaG8Q2WEpB1UTp47oRJMrDZk7iNj9yVNUttZg/q:85/c:1920:1078.6516853933:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0FubmVLYWlzZXItMDIwOC1zY2FsZWQtcWJ5ZHdlZXdsN28xaXJsOWloeWc5azcwcWdxOW9uZWg0b2Q5YWxyanU4X2ZkYjZjYjhiOTk:t/cb:89a743f5edb83a7a6b13086724962f6cd74f9926/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvUHVibGljYXRpb25zL0FubmVLYWlzZXItMDIwOC1zY2FsZWQtcWJ5ZHdlZXdsN28xaXJsOWloeWc5azcwcWdxOW9uZWg0b2Q5YWxyanU4LmpwZw)](https://journal.allanlloyds.com/continuous-digital-adaptation-support-the-growing-demand-for-digital-self-service-banking/)### [ Continuous Digital Adaption ](https://journal.allanlloyds.com/continuous-digital-adaptation-support-the-growing-demand-for-digital-self-service-banking/) 2025-04-30 [ More ](https://journal.allanlloyds.com/continuous-digital-adaptation-support-the-growing-demand-for-digital-self-service-banking/) - [![](https://www.lubauram.com/_assets/processed/2Z9sjVOAbacx_a-baihREfAw4jiGrM98iM_6hlb2x80/q:85/c:1920:1078.6516853933:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0xVQkEtQmxvZy1CaWxkZXItMTkyMHgxMDgwLXB4LXFmNTh6ZWkwaWJ3OHNocnY0dW1jdTAxMzd6eHNyMjdhdzRvNDRuM3Zvd185MDI2NGFkNDYy:t/cb:e8f4f1769ff5de76c8c0c0b4d76d72fce6e797e5/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvUHVibGljYXRpb25zL0xVQkEtQmxvZy1CaWxkZXItMTkyMHgxMDgwLXB4LXFmNTh6ZWkwaWJ3OHNocnY0dW1jdTAxMzd6eHNyMjdhdzRvNDRuM3Zvdy5wbmc)](https://www.unicreditgroup.eu/en/one-unicredit/our-people/2021/jun/women-in-leadership-4.html)### [ Women in Leadership #4 ](https://www.unicreditgroup.eu/en/one-unicredit/our-people/2021/jun/women-in-leadership-4.html) 2025-04-30 [ More ](https://www.unicreditgroup.eu/en/one-unicredit/our-people/2021/jun/women-in-leadership-4.html) [ Show more ](https://www.lubauram.com/publications-perspectives/content-element.html?offset=4&uid=2315&cHash=bb2350d303026f9b70f287d6407478d4) --- MY VOICE ON FORBES -------------------- --- - [![](https://www.lubauram.com/_assets/processed/puvEqS6L7NOJIldbaWHj4QflSVK4YZ1Les58ABLQG8U/q:85/c:1440:808.98876404494:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0xVQkFfQmxvZ19CaWxkZXJfXzE5MjB4MTA4MF9weF9fXzZfXzVkNGZiMTg1YmI:t/cb:503398f2ab85b966ddc688e228d9dd8bc6a771c4/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvRm9yYmVzL0xVQkFfQmxvZ19CaWxkZXJfXzE5MjB4MTA4MF9weF9fXzZfLnBuZw)](https://www.forbes.com/councils/forbestechcouncil/2026/03/23/why-platform-thinking-is-becoming-central-to-scaling-ai-responsibility/)### [ Why Platform Thinking Is Becoming Central To Scaling AI Responsibility ](https://www.forbes.com/councils/forbestechcouncil/2026/03/23/why-platform-thinking-is-becoming-central-to-scaling-ai-responsibility/) 2026-03-25 As AI moves from experimentation into day-to-day operations, executive attention is shifting. [ More ](https://www.forbes.com/councils/forbestechcouncil/2026/03/23/why-platform-thinking-is-becoming-central-to-scaling-ai-responsibility/) - [![](https://www.lubauram.com/_assets/processed/VQ8tp6OdC30BBOD56g40ThwuehBhFYONSX6c__eFBIY/q:85/c:1680:943.8202247191:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0xVQkFfRm9yYmVzX0FydGljbGVzXzY0ODRmZWJkYWM:t/cb:c178a663254b1d20d176bf83f5998d02f662dde4/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvRm9yYmVzL0xVQkFfRm9yYmVzX0FydGljbGVzLnBuZw)](https://www.forbes.com/councils/forbestechcouncil/2026/02/23/why-agentic-ai-matters-more-than-generative-aia-ctocoos-view-from-inside/)### [ Why Agentic AI Matters More Than Generative AI – A CTO/COO’s View From Inside ](https://www.forbes.com/councils/forbestechcouncil/2026/02/23/why-agentic-ai-matters-more-than-generative-aia-ctocoos-view-from-inside/) 2026-02-24 The real shift in claims handling is happening because AI can now act inside the process itself. [ More ](https://www.forbes.com/councils/forbestechcouncil/2026/02/23/why-agentic-ai-matters-more-than-generative-aia-ctocoos-view-from-inside/) - [![](https://www.lubauram.com/_assets/processed/gUuKxfsyflxGNZb52-ZYTSCBYITXA1paFYBgWYt-YUg/q:85/c:1440:808.98876404494:fp:0.5:0.5/rt:force/w:400/h:225/fn:Y3NtX0x1YmFfRm9yYmVzX3N0YXRlbWVudDFfM2RlNjFjOWQxMg:t/cb:f2fb5a324a2ebfc5d3cc543d042e72a08a8b3aa4/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvRm9yYmVzL0x1YmFfRm9yYmVzX3N0YXRlbWVudDEucG5n)](https://www.forbes.com/councils/forbestechcouncil/2026/02/19/how-to-reduce-security-tool-sprawl-without-losing-essential-coverage/)### [ How To Reduce Security Tool Sprawl Without Losing Essential Coverage ](https://www.forbes.com/councils/forbestechcouncil/2026/02/19/how-to-reduce-security-tool-sprawl-without-losing-essential-coverage/) 2026-02-19 Statement Luba: "Stop buying tools and start owning outcomes. ..." [ More ](https://www.forbes.com/councils/forbestechcouncil/2026/02/19/how-to-reduce-security-tool-sprawl-without-losing-essential-coverage/) - [![](https://www.lubauram.com/_assets/processed/UYlG219pIWZSD0t-LVj1t1jfPpgxpmrUJ1X3Uz3SWrA/q:85/c:336.42:189:fp:0.5:0.5/rt:force/w:336/h:189/fn:Y3NtX0xVQkEtQmxvZy1CaWxkZXItMTkyMHgxMDgwLXB4LTItcjF2azE4N2w1NTEyc2VlbWxzdjI2N3Y4emszczczY3Fza3c4NWlpOTJhXzRkNTM3NjA2NWY:t/cb:382c518e450da34bd37d8a6e3be034bf1a55f584/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvRm9yYmVzL0xVQkEtQmxvZy1CaWxkZXItMTkyMHgxMDgwLXB4LTItcjF2azE4N2w1NTEyc2VlbWxzdjI2N3Y4emszczczY3Fza3c4NWlpOTJhLnBuZw)](https://www.forbes.com/consent/ketch/?toURL=https://www.forbes.com/councils/forbestechcouncil/2025/01/23/the-eu-ai-act-a-double-edged-sword-for-europes-ai-innovation-future/)### [ The EU AI Act: A Double-Edged Sword For Europe's AI Innovation Future ](https://www.forbes.com/consent/ketch/?toURL=https://www.forbes.com/councils/forbestechcouncil/2025/01/23/the-eu-ai-act-a-double-edged-sword-for-europes-ai-innovation-future/) 2025-01-23 The EU AI Act aims to regulate AI risks, but could overregulation stifle innovation? In my article, I explore this balance and its impact on Europe’s AI future. Published on Forbes on January 23, 2025 [ More ](https://www.forbes.com/consent/ketch/?toURL=https://www.forbes.com/councils/forbestechcouncil/2025/01/23/the-eu-ai-act-a-double-edged-sword-for-europes-ai-innovation-future/) [ Show more ](https://www.lubauram.com/publications-perspectives/content-element.html?offset=4&uid=2316&cHash=eea79f90f75d310e77a0e0228108fd95) --- MY BLOG --------- --- [All articles](https://www.lubauram.com/blog/) MY SOCIAL HUB --------------- --- To display third-party HTML content, we need your consent. For more information, please see our [ privacy policy. ](https://www.lubauram.com/privacy-policy/) Allow once Always allow --- To display third-party HTML content, we need your consent. For more information, please see our [ privacy policy. ](https://www.lubauram.com/privacy-policy/) Allow once Always allow --- To display third-party HTML content, we need your consent. 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