ACCELERATINGAlternative Payments

08.00 Registration

09.00 Welcome and introduction by Harry Smorenberg

09.05 Keynote: Europe’s agenda: Real-time payments - Wiebe Ruttenberg, European Central Bank

09.30 Keynote: Advancing payment innovation by banks opening up digitally Vincent Brennan, Deputy Chairman of the Board of EBA

10.00 Keynote: How key mass-market transaction technology will evolve in the coming years Dave Birch - Thought Leader Digital Money & Identity, Global Ambassador Hyperion, London

10.30 Networking Break

11.00Access to the Account

- vision and likely scenarios - managing expectations - instrumental cases

Piet Mallekoote | CEO, Payments Association, The Netherlands Georg Schardt Deputy CEO, SOFORT AG Dr Krzysztof Korus | CEO, Prudentiz, Poland

Unexpected new developments in Cybercrime

- Surprising insights into the most innovative sector of payments

Michael Salmony | Executive Advisor to Board of Directors, Equens, Frankfurt

Regulatory Impact Update - Briefing on key

developments, effecting the payments industry and innovations

Ruth Wandhofer, | Global Head of Regulatory & Market Strategy, Citi Transaction Services, London

12.00 Lunch

13.00Transactions driving Digital Identity (A2-A3 Joint Track)

- Identity as a (payment) transaction

- Customer Behavior as key element

- Legal aspects reviewed - Practical cases for

implementation

Digital Bank & Payments - Key trends in smarter

solutions, customer centric services and efficiency”

Tom Lambrecht Business Development Manager Sopra Banking Software

Europe’s Payments Innovation: riding the wave of FinTech

- Will Fintech change payments innovations?

- How does Europe stand vs rest of the world?

Don Ginsel, | Holland Fintech, Amsterdam

14.00 Networking Break

14.30(A2+A3 speakers)

Douwe Lycklama | CEO. Innopay, John Karantzis | CEO. iSignthis, Australia Scot Minehane, Director, iSignthis, Australia

War of the Wallets: fact vs fiction

The future of payments is Now… And what’s next?

- A Tsunami of changes - New banking ecosystems - New behavior driving

developments

Wolf Kunisch, | Director of the Financial Processing & Software Licensing Olivier Maas, | Innovation manager Worldline, Germany

15.30 Keynote: Dr. Victor Dostov - President Electronic Money Association, Russia

16.00 Cocktail Reception

Day 1: Monday, March 9th

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08.30 Registration

09.15 Welcome and wrap up Day 1

09.30 Keynote: e-Payments Scheme Developments

10.00 Keynote: Alipay’s EMEA Challenge - Griffin Peng, Head of Europe, Middle East & Russia at Alipay

10.30 Networking Break

11.00The blockchain: new innovation driver for banks

- Practical Bitcoin-inspired solutions

- Which (inter)bank processes could be optimized with blockchain?

- How banks/financials can use blockchain solutions to strengthen their edge

- Why banks will drive the development of cryptocurrency technology

Jacob Boersma | Senior Consultant, Innopay Jon Matonis | Director for the Bitcoin Foundation, London Michael Maier | Fidor Bank, Frankfurt

Omni-channel global payments

- cross-border ecommerce payments: key insights and drivers

- impact on domestic and regional payments

Rolf Visser | VP Global Marketing, Payvision John Snoek, | VP eCommerce, Acapture

Retail payments: new instruments & breakthroughs

- Regulatory, technical and commercial complexities of retail payments market

- Drivers and threats impacting the market in a connected world

- Remind the key functional features and security properties of any retail payment instrument

Lorenzo Gaston | Technical Director, Smart Payment Association, Paris

12.00 Lunch

13.00Finance in the eye of the disruption

- Retail Banking: the next field of disruption. 'Outlook 2020'

- Positioning HCE & Apple... - Anticipating on changing

customer behavior - Next steps in mobile

payments

Sirpa Nordlund | Executive Director, Mobey Forum, London

How to make Big Data really work for the Transaction business

- Managing the expectations - Data Science: beyond

traditional analytics. - Getting real value from the

first year

Jane Zavalishina, | Yandex, Moscow

14.00 Closing Panel Debate : A Common Real Time Network for Payments Interoperability?

- Why do the stakeholders want a new network? - Is the SEPA interoperability vision deliverable? - Can an integrated cards and ACH real time network be built? - What will be the impact on Europe’s card/ACH schemes and processors?

John Broxis | Managing Director, PRETA S.A.S. , MyBank Wolf Kunisch, | Director of the Financial Processing & Software Licensing global business line, Worldline, Chaired by Chris Jones| Principal Consultant, PSE Consulting, London

15.00 End of Program

Day 2: Tuesday, March 10th

For speaking and sponsoring opportunities, please contact us at joyce@transactives.com EPCA Payment Summit 2015

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A5 B5

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Welcome and introduction by Harry Smorenberg

MAR.

9th

Harry Smorenberg CEO of Smorenberg Corporate Consultancy

Harry is a financial services marketing and positioning strategist. He previously worked at Banque Paribas and ABN AMRO and was a director at two leading strategic consultants.

He is a leading contributor to innovation in both the retail and corporate payments and transaction space. He has also been actively involved in developing solutions in financial planning, international pensions and 'social innovations'. His strength is in catalyzing institutions into developing vision and strategies, and in identifying and implementing client-centric solutions. He is a columnist and guest speaker, sits on several advisory boards and regularly publishes in leading international media.

Other functions:

• Member of the International Advisory Board of the Europe - China

Institute, Nyenrode University

• Adjunct Professor at Joint Innovation Center for Social Management of

Urban and Rural Communities in Hubei Province - Zhongnan University

in Wuhan, China

• Member of the Board of Advisors of NIBUD (National Institute for Family

Finance Information)

• Chairman Editorial Advisory Board of Banking & Finance Europe

• Founder & Chairman of the International EPCA Payment Summit

(www.epcapaymentsummit.com)

• Founder & Chairman of the GlobalPaymentSummit - Singapore

(www.globalpaymentsummit.com)

• Founder & CEO of Transactives BV

• Founder & Chairman of the WorldPensionSummit

(www.worldpensionsummit.com)

• Co-founder of China Pension Forum - national platform (Renmin

University - Beijing)

• Founder and Chairman of New Normal in Working and Social Innovation

(www.nieuwenormwerken.nl)

• CFO of the foundation "Stichting Drie Dolfijnen" (charity fund)

EPCA Payment Summit 2015

Keynote 09:00 09:05

MAR.

9th

Wiebe Ruttenberg Head of Market Integration Division at European Central Bank

Mr Wiebe Ruttenberg, Head Market Integration Division, DG Market Infrastructure and Payments, European Central Bank Wiebe Ruttenberg (The Netherlands, 1967) started his career in 1994 as a Policy Advisor to the Minister of Finance of the Netherlands on Energy, Telecom and Infrastructure Issues. In 1999 he joined De Nederlandsche Bank (DNB) to become Project Secretary for the National 2002 Euro Change Over Project. After finalisation of the euro changeover he became Head of the Payments Policy Department at DNB. Since March 2006, Wiebe Ruttenberg has been Head of the Market Integration Division at the European Central Bank (ECB), dealing with policy issues from a market infrastructure, market integration and innovation perspective on a) payments (including the Single Euro Payments Area - SEPA), b) securities and c) collateral. He also chairs the Payment Systems Policy Working Group of the European System of Central Banks (ESCB).

EPCA Payment Summit 2015

The Changing Face of TransactionsEurope’s agenda: Real-time payments

Keynote 09:05 09:30

MAR.

9th

Vincent Brennan Deputy Chairman of the Board of the EBA

Vincent Brennan will present the Euro Banking Association’s latest opinion paper on the growth of ‘electronic Alternative Payments’ (eAPs). In this vision the banking infrastructure and the eAP world can accelerate by interoperating with the SEPA and cards infrastructures through an interoperable API infrastructure.

Key take aways includes: · Analysis and model of the digital ecosystem · How compliance and revenue opportunities can come together · The key role of Digital Identity

Read more on EBA's Opinion paper on ‘Next generation alternative retail payments - infrastructure requirements’ here.

Vincent is Head of Group Operations & Payments at Bank of Ireland where he is responsible for: Business Electronic and Payment Services, Customer Service & Fulfillment Operations, and Credit Operations. He is responsible for developing and implementing Group Operations & Payments’ Strategy and operating plans to support the Groups three trading Divisions: Retail Ireland, BOIUK (including the Groups JV with the UK Post Office) and Corporate & Treasury. He manages key supplier relationships for the group relating to payment and card processing and BPO services.

He is also responsible for the Bank of Ireland’s participation in the Irish, UK & European Payments Industry including BPFI, UK Payments Council and the Euro Bank Association (EBA). Vincent is Deputy Chairman of the EBA since early 2014 and he has been an active member since 2007 and is Chairman of the EBA Electronic Alternative Payments (e-AP) Working Group with has publised 3 Opinion papers on electronic commerce and payments (available on www.abe-eba.eu)

Vincent is is a member of the Irish NPP steering committee (comprising representatives from the Central Bank of Ireland, Government Departments, Banks, Business, Utilities and Consumer bodies). Previous executive and senior management roles at Bank of Ireland include Head of Group Payments for 6 Years, Director of Direct Channels (Phone, Internet & ATM Channels) 3 Years, Head of Business Banking Shared Services 2 Years, Director of Network Configuration 2 Years , Regional Manager North Dublin 2 Years and Area East Planning & Marketing Manager 2 Years.

EPCA Payment Summit 2015

The Changing Face of TransactionsAdvancing payment innovation by banks opening up digitally

Keynote 09:30 10:00

MAR.

9th

David Birch Director of Consult Hyperion

Since mobile has become yesterday's news, what will be key retail transaction technology to watch out for? This is the question for every FinTech company in payments as market players jostle for that slice of the pie.

As with Apple Pay, Google Wallet, and the likes, in-app payments could see the phone replacing the plastic, paving the new in-app life of millennials. Another fascinating development will be how beyond the crypto-currency, the blockchain will revolutionise the internet of things, and how the ledger concept could be extrapolated onto other uses. Sharing his insights, Dave Birch of Consult Hyperion will provide key takeaways and his view in ■In-app payments ■The three-party party ■Privacy ■Blockchain ■IDIoT

David G.W. Birch is an internationally-recognised thought leader in digital money and digital identity. One of the 2014 “Power 50” in European digital financial services and a NextBank Fintech “titan”, in 2013 he was named one of WIRED magazine’s global top 15 favourite sources of news from the world of business and finance and was ranked the no.1 influencer in European emerging payments by Total Payments magazine.

Dave is a Director of Consult Hyperion, the technical and strategic consultancy that specialises in electronic transactions. Here he provides consultancy support to clients around the world, including all of the leading payment brands, major telecommunications providers, governments bodies and international organisations including the Bill & Melinda Gates Foundation. Before helping to found Consult Hyperion in 1986, he spent several years working as a consultant in Europe, the Far East and North America.

EPCA Payment Summit 2015

The Changing Face of TransactionsHow will the key mass-market transaction technology evolve in the coming years?

Keynote 10:00 10:30

MAR.

9th

Piet Mallekoote CEO of Currence CEO of Dutch Payments Association

In this century where trends and businesses are shaped by a speedily changing technologies, regulations accelerate to keep pace. In Europe, the second PSD2 will soon be in place, and Third Party Payment (TPP) service providers will have easier access to the customer accounts

Are the new rules reflective of a more dominant participation of third party players in payments. Implementation hurdles on other EU member states, legal framework, and technical specs might also mean a long way to actual realisation.

In depth panel debate on Access to the Account developments, both from a bank and non-bank perspective, Piet Mallekoote from Currency and Georg Schardt from Sofort AG elaborate on the topic in a panel chaired by Dr Krzysztof Korus, addressing among others these qns:

• What are the implications for banks? • Is this a step forward for customer protection in the internet age? • How will TPPs evolve as a bigger player on the payments stage

Piet Mallekoote After study macro-economics at the Amsterdam University, Piet Mallekoote joined the Dutch Central Bank (DNB). He held several senior management positions in economic research, economic policy and payments. Mallekoote joined Currence, owner of the Dutch payment products, including iDEAL, in 2004. Since 2006 Mallekoote/he/Piet is also CEO of the Dutch Payments Association.

Georg Schardt, Deputy CEO of SOFORT AG, joined SOFORT AG in 2009. Prior to this he was member of the Board of Conrad Electronic SE from 2000 to 2009. In this role he was responsible for the mail-order and e-commerce business. Together with his colleagues he developed SOFORT AG to one of the leading e-payment solutions in Europe with more than 30.000 merchants in 13 countries. Dr. Krzysztof Korus is a founder and CEO of Prudentiz, a professional consulting company providing expert advisory in governance, risk management and compliance for new economy regulated industries,Polish member of the European Payments Consulting Association. Krzysztof is a lawyer and economist,expert in Polish and European financial market, providers and services law with key focus on payment services, consumer finance, clearing and settlement infrastructures, e-commerce and general new technologies law (e-invoicing, e-identity, e-security), anti-money laundering, competition aspects of financial services.

EPCA Payment Summit 2015

Krzysztof Korus Founder and CEO of Prudentiz

Access to the AccountTRACK A1 11:00 12:00

Georg Schardt Deputy CEO of SOFORT AG

Unexpected new developments in Cybercrime

MAR.

9th

Michael Salmony Executive Advisor to Board of Directors at Equens, Frankfurt

We are all aware that fraud is rising and therefore we welcome initiatives to introduce chip and PIN, enforce two-factor authentication in online payments, remind us that anti-virus scanners should be kept up to date etc.. That is our state of the art. But what is the state of the art of the cyber-criminal? And who is he? Come to this session to find some surprising – and scary – answers.”

Michael is an internationally recognised leader on business innovations especially in the internet and financial services space. He represents national geographies, banking consortia and international industry sectors for example within

• the EC/European Commission where he was nominated since 2007 into the Steering Committee on eInvoicing to improve European competitiveness/efficiency by 243bn€ p.a. towards the EU’s Lisbon Agenda

• the ERPB/Euro Retail Payment Board where he was nominated by BVR (the cooperative banking association in Germany with 30 million customers) as the EACB representative in the mobile peer-to-peer and instant payment workgroup. The EACB/European Association of Cooperative Banks represents 3700 banks and their 215 million customers throughout the European Union

• #1 representative of the German national banking community DK (“Die Deutsche Kreditwirtschaft” consisting of all 2277 banks with aggregated assets of 7626 billion Euro) within the EPC/European Payment Council (the decision making body of the 8000 banks in the 31 countries of Europe) as leading member of Internet, Mobile and eCommerce Payments work groups since their inception

• other international (e.g. EBA/Euro Banking Association Financial Supply Chain Workgroup) and national groups such as the UK e-Invoicing Advocacy Group of the UK Government Department of Business, Innovation and Skills (BIS) - one of the major departments of state, presided over by the secretary of state and member of the cabinet

• the Innovation Board at Equens SE which he instigated and chairs to promote innovation in processes, products, services, technologies and strategies with major international banks

He is much in demand as a keynote speaker at international conferences on advances in finance, has published extensively in books (e.g. Cyberlaw), newspapers (e.g. Financial Times, FAZ, SZ, Handelsblatt, Börsen Zeitung) and periodicals (e.g. Harvard Business Manager, New Scientist). His work has been translated into German, Italian, Dutch, Finnish, Russian and Japanese. He appears periodically on all broadcast media (Radio, TV, webcasts etc.).

In 2007 he managed, at the Board of Directors/Holding level, the post-merger integration between previously national organisations (achieving synergies and efficiency gains of more than 400FTE) to yield the first and leading pan-European full-service payment service provider Equens SE which now processes more than 13 trillion Euro per year.

Previous positions include Director Business Development of leading national central bank (Bank of the Year 2005) and Assistant General Manager of its new payments subdivision (Best Innovator 2004).

EPCA Payment Summit 2015

TRACK B1 11:00 12:00

Regulatory Impact UpdateMAR.

9th

Ruth Wandhöfer Global Head of Regulatory and Market Strategy for Citi Treasury & Trade Solutions

Ruth Wandhöfer is the Global Head of Regulatory and Market Strategy for Citi Treasury & Trade Solutions. Ruth is highly regarded across the international banking industry for her in-depth knowledge of the regulatory market and competitive landscape, in particular acknowledged as an authority on key initiatives such as the Single Euro Payments Area as well as the implications of Basel III on transaction banking. She holds a number of influential positions across the banking industry including membership of the EU Commission and European Central Bank expert working groups and chairmanship of the international trade body regulatory committee of BAFT-IFSA. Ruth is responsible for engaging with the regulatory, market and standards environment on a wide range of topics in the transaction banking space, and for driving and coordinating the business response within Citi. Ruth is also the author of well-regarded book on ‘EU Payments Integration’, is a fellow lecturer of the Pallas LL.M. Program in European Business Law and a member of the Editorial Board of the Journal of Payment Strategy & Systems. She is currently writing her second book on the potential implications of global regulatory fragmentation on transaction banking networks and the real economy.

EPCA Payment Summit 2015

TRACK C1 11:00 12:00

Transactions driving Digital IdentityMAR.

9th

Douwe Lycklama Director and co-founder of Innopay

Digital Identity services have the potential to radically change the retail and payment landscape. The ongoing digital transformation of society leads to more and more electronic interaction between users and merchants, institutions and governments. This requires online trust solutions and various market contenders are working on this new transaction opportunity. Parties include banks, telco’s, merchants, social media services, postal services and specialized (b2b) players. Also regulators are pushing the envelope more and more because of compliance and security requirements.

In a dedicated twin-track at EPCA Payment Summit, John Karantzis (founder of iSignthis), Scot Minehane (non executive director at iSignthis) and Douwe Lycklama (partner at Innopay) will together give an introductory overview as well as deep dive in the regulatory drivers of this space.

What are the key trends? How to fulfill buyers and seller requirements? How will Secure Pay and PSD2 drive digital identity? What are the opportunities for payment actors?

John Karantzis holds qualifications in engineering (University of Western Australia), law and business (University of Melbourne and University of Melbourne Business School). He is a founder and Managing Director/CEO of iSignthis Ltd (ASX : ISX), with a broad understanding of international regulatory regimes as they relate to payments and identity. John has over 20 years' experience across a number of sectors, including payments, online media, defence and secure communications. John has previously been Managing Director/CEO of ReelTime Media Ltd (ASX : RMA) and Director/CEO of Data & Commerce Ltd (ASX : PNW)

Mr. Minehane is a non executive director of iSignthis Ltd (ASX : ISX), and has international regulatory and strategy experience in the telecommunications sector. Scott has been involved in advising investors, telecommunications operators, Governments and regulators in Australia, Asia, the Pacific and South Africa for over 25 years. He is also an independent director of ASX listed Etherstack plc (ASX:ESK) which specialises in wireless technology including waveforms and public mobile radio solutions. Mr. Minehane has a Bachelor of Economics and a Bachelor of Laws from the University of Queensland and holds a Master of Laws, specialising in Communications and Asian Law from the University of Melbourne

Douwe Lycklama is founding partner of Innopay (www.innopay.com) an independent consulting firm specialised in payments and transaction services. Douwe is thought leader in e-payments, e-invoicing, e-identity, m-payments, cards and SEPA, shaping breakthrough business and market innovations, standards and schemes. As such he actively contributes to strategic developments in this field, such as online payment scheme iDEAL and MyBank, identity Trust Framework ‘eRecognition’ and e-invoicing initiatives FinBox and Acceptemail. Innopay works for major international financial institutions, collaborative bodies, government and corporates. Memberships of Innopay include member of the European Payments Consultants Association (www.epca-group.com), EBA (www.abe-eba.eu) and ECP (www.ecp.nl).

EPCA Payment Summit 2015

John Karantzis Founder and Managing Director/CEO of iSignthis Ltd

Scot Minehane Founder and Managing Director/CEO of iSignthis Ltd

TRACK A2-3

13:00 15:30

Digital Bank & Payments MAR.

9th

Tom Lambrecht Business Development Manager at Sopra Banking Software

Tom Lambrecht is Business Development Manager at Sopra Banking Software, with an experience in the IT and banking domains stretching back over 15 years. He started his career with IT consulting company Ordina, and there began focusing on IT consulting for the banking industry. Gradually, Tom moved more and more towards the banking business and its challenges. Additional insights and experiences with the payment industry were added to his resumé during a five-year stint at Clear2Pay (recently acquired by FIS). At Sopra Banking, Tom guides discussions with banks on how to tackle their challenges, covering a wide range of topics, such as payments, lending, compliance and direct banking.

EPCA Payment Summit 2015

TRACK B2 13:00 14:00

Payments Innovation: riding the wave of FinTechMAR.

9th

Don Ginsel Founder, Holland Fintech

FinTech has grown very large over the past years: worldwide more than USD 4

billion (2014 est.) is invested in FinTech startups and to a large extend (>25%)

into payment technology companies. The Payment industry has been highly

innovative long before FinTech became something. Join Don Ginsel of Holland

Fintech as he discusses Payment and other FinTech startups, Venture Capital, the

response of the traditional financial industry and the role of regulations.

• how will FinTech change innovations in payments?

• What differences do we see within Europe

• how do we stand towards the rest of the world?

Don Ginsel is an Amsterdam based Entrepreneur and Investor in early stage

startups and an expert in banking, M&A, investment management and strategy

consulting. He is passionate about mentoring startup teams and helping them

shape their business model, get connected to clients and get funded.

Don founded several companies such as Holland FinTech, a membership

organization that supports FinTech startups and the broader financial

innovation ecosystem, Capital Waters, providing free standardised deal

documents for investor and startups, and Principe Management, an early stage

investment firm.

Next to this he is also active as a mentor and coach through several accelerators

and incubators such as Rockstart and Startup Weekend. Previously he has

worked for ABN AMRO and Deutsche Bank and for investment firm ICOS Capital.

Don is involved in several initiatives to help startups get funded and grow. He is

a regular guest on the radio in BNR Zaken doen met… to discuss startups.

For more information about Don, please see: https://www.linkedin.com/in/

donginsel

EPCA Payment Summit 2015

TRACK C2 13:00 14:00

The future of payments is now… and what’s next MAR.

9th

Wolf Kunisch Director of the Financial Processing & Software Licensing global business line Worldline

The digital world has progressively entered our daily life, and it is about to

revolutionize the payment market the same way it revolutionized the advertising

and media markets. Wolf Knish and Oliver Maas, from Worldline delivers the future

and now in payments, giving their take on these questions:

• Big data, biometry, wallets: how to deal with a tsunami of changes?

• DSP2, SEPA, digital identity: Are we heading towards new banking ecosystems?

• Apple Pay, bitcoin, privacy: the next generation of customers: are they in the

driving seat?

Tomorrow’s payments, as we already do it today

Smartphone and digital technology today bring opportunities for new payment

means. They also raise new challenges to provide increased security and better

fraud detection, relying more and more on user behavior and device fingerprinting.

Surfing on these recurring waves of technology - from mobile biometric

authentication to crypto-currencies – internet players now seek to become payment

players. These new players have forced legacy actors to review their business

strategy, enrich their solutions beyond payment to check in & checkout and in an

omni channel approach.

Tomorrow’s payments, as designed by our innovation teams

You will have the opportunity to see concrete demonstrations of how Worldline R&D

departments are designing tomorrow’s payment. Topics showcased will range from

continuous and adaptive authentication to bitcoin acceptance on legacy POS

terminal, HCE mobile payment with Certified Customer review, Smart wearable

payment, privacy protection in fraud detection…

Download our position papers about “Authentication” or “Top ten success factors for

implementing a Wallet solution”

Wolf Kunisch is a graduate of the Technische Universität Berlin and of INSEAD’s MBA

program. He is currently responsible for the Group’s Financial Processing & Software

Licensing global business line as well as its German and Eastern Europe

geographical zones, and has been in charge of Worldline in Germany since 2010 and

in Austria since 2013.

Olivier Maas is working within Worldline's R&D team. He is a main contributor to

Worldline innovation activities in the field of payment, security and trust through

collaborative projects, proofs of concept, networking, innovation workshops and

events. EPCA Payment Summit 2015

Olivier Maas, Innovation manager Worldline

TRACK C3 14:30 15:30

MAR.

9th

Dr. Victor Dostov President of Russian Electronic Money Association, Russia

For years, the industry innovated to make the payment process for the customer as simple as possible. But with the simplicity came a price. Molding different instruments into one interface, are we heading to the point when there is nothing more to innovate?

As payments become as ‘simple’ as water or electricity supply, let us look at what regulation, customer relations and local vs global will look like in this presumably ‘post-innovation’ era.

Dr. Victor Dostov is a President of the Russian Electronic Money Association, organization representing the largest electronic money operators in Russia. With the background in management, research and investment in payment technology projects, Victor is one of the leading experts in the field. He advised public bodies on drafting regulation for electronic money in Russia and continues to provide his expertise on the further evolution of legal framework – especially prudential supervision and AML/CFT issues. He previously held a position of a founding partner in PayCash Group where he contributed to the launch of successful projects both in Russia (Yandex.Money, Beeline mobile commerce, etc) and abroad. Victor is also known as an ardent proponent of using hi-tech payment instruments for enhancing financial inclusion and therefore provides his expertise in CGAP, AFI, FATF and Eurasian Group. Since 2013 he is also a Head of Financial Innovations Division of the Russian Presidential Academy of National Economy and Public Administration (RANEPA). Dr. Dostov gives lectures on new technologies and is a frequent speaker at international events. He is also a columnist, the author of publications on new payment methods, regional author for “Financial Regulation International” (Informa) and a member of expert board for the Settlements and Transactions in a Commercial Bank Journal .

EPCA Payment Summit 2015

Frontiers of innovations. Are we heading to the post-innovation era in payments?

Keynote 15:30 16:00

MAR.

10th

Griffin Peng Head of Europe, Middle East & Russia at Alipay

Griffin Peng is Alipay's new Head of Europe, Middle East & Russia , responsible

for forging partnerships with overseas payment service providers and retailers

to facilitate two-way cross-border trade between China and those regions.

Griffin joined Alipay in 2011 and served in the cross-border transaction division

of Alipay’s international business unit. During his three years with Alipay, Griffin

played a leading role in building Alipay’s cross-border payment system,

facilitating cooperation with major international card schemes, payment service

providers and other business partners.

Before joining Alipay, Griffin worked at several international and Chinese banks,

thereby accumulating a wealth of experience in credit card payment and e-

channel settlement.

EPCA Payment Summit 2015

Alipay’s EMEA ChallengeKeynote

10:00 10:30

Transactions driving Digital IdentityMAR.

10th

Jacob Boersma Senior Consultant of Innopay

Blockchain technology: although the concept is not widely understood yet, its potential for the financial sector is becoming more apparent every day. Take the example of two mid-size US banks that recently announced they will use a cryptocurrency solution from Ripple Labs to arrange their correspondent banking services. Their motivation: it would lower the costs of their operations and process transactions faster than via the traditional correspondent banking network. Solutions like these trigger the question: What other solutions inspired by this new technology are out there? How can other financial companies benefit from this breakthrough?

During this session, Jon Matonis (Bitcoin Foundation) and Michael Maier (Fidor Bank) will share their knowledge and opinion on the topic. The session will focus on:

• Which practical Bitcoin-inspired solutions for the financial sector are already out there?

• Which (inter)bank processes could be significantly optimized using blockchain technology?

• How banks/financials can use blockchain solutions to strengthen their competitive edge

• Why banks will drive the development of cryptocurrency technology

The session is chaired by cryptocurrency expert Jacob Boersma (Innopay), co-author of the report "Cryptocurrency: a revolutionary technology".

Jon Matonis is the Founding Board Director of the Bitcoin Foundation. An e-Money researcher and economist focused on expanding the circulation of nonpolitical digital currencies, Jon advises startups in Bitcoin, iGaming, mobile and prepaid. A columnist to Forbes Magazine and CoinDesk, Jon is also Editor of The Monetary Future, a leading economics blog at the intersection of free banking, cryptography, and digital currency. Previously CEO of Hushmail and Chief Forex Dealer at VISA, Jon has also held senior posts at Sumitomo Bank and VeriSign.

Michael Maier is the Founding board member & COO, Fidor Bank AG. Board Member of Fidor TecS AG. Fidor Bank is one of the most progressive European banks when it comes to the use of blockchain technology and cryptocurrency inspired solutions. Michael Maier was the former head of Business Development and Head of Retail Business at DAB Bank - Germany's first discount broker. Also former head of research group of financial services marketing at Institute of Marketing (LMU) Munich.

Jacob Boersma is a senior consultant at Innopay. Jacob has extensive experience in the field of information security, (management of ) Internet standards, digital signatures and e-government in the role of both advisor and project manager. Jacob has been active in information management, information and online identification for over 10 years. He began his career as consultant at ECP, the Dutch e-commerce platform. He then became project manager for standardization of digital signatures within the Dutch government (PKI overheid) and consultant in the field of e-authentication within the government (e.g. DigiD) at ICTU and GBO.overheid (now Logius). e links between the process, IT and the organization.

EPCA Payment Summit 2015

Jon Matonis Founding Board Director of the Bitcoin Foundation

Michael Maier Founding board member & COO, Fidor Bank AG. Board Member of Fidor TecS AG.

TRACK A4 11:00 12:00

Omni-Channel Global PaymentsMAR.

10th

Rolf Visser VP Global Marketing at Payvision

Rolf Visser is the Vice President of Global Marketing at Payvision, an independent global card processor for the ecommerce industry. In an expanding cross-border ecommerce market, Payvision is one of the fastest-growing global acquiring networks, connecting Acquiring Banks, PSPs, ISOs and their merchants to ONE Global Acquiring Platform, based on a non-competitive partnership model. Rolf is also the Co-Founder and Chairman of the CBEC (Cross-Border Ecommerce Community), a strategic global cross-border ecommerce knowledge hub. The CBEC focuses on sharing research and knowledge, thus educating the ecommerce market in a variety of disciplines and industries. Rolf is a graduate in Digital Internet Marketing with Highest Honors from Beeckestijn Business School at VU University of Amsterdam, with 12 years’ experience in the retail POS industry prior to 12 further years’ experience in international marketing. The last six years of his work have been in ecommerce and the payment industry. Rolf has a forward thinking marketing vision, introducing multichannel, inbound marketing techniques and an award-winning business model, helping transform and elevate businesses through brand equity. John Snoek, VP ecommerce at Acapture, has 20 years’ go-to-market experience in product development, management and launch. John is a graduate of Business Administration and Political Science from Leiden University, Erasmus University, and of Political Philosophy at the University of Barcelona. He received his Master's degree at Leiden University and has worked in the Internet and ecommerce industry since 1994. Prior joining Acapture, John was responsible for Global Marketing and Alternative Payments at GlobalCollect. Earlier in his career he successfully designed and marketed various knowledge base online tools, business benchmarking and e-learning products for companies and trade associations. He was also a consultant for the Dutch government on ecommerce strategy.

EPCA Payment Summit 2015

John Snoek VP ecommerce at Acapture

TRACK B4 11:00 12:00

Retail Payments: new instruments and breakthroughs MAR.

10th

Lorenzo Gaston Technical Director of Smart Payment Association, Paris

For a long time now, the retail payment market has been an example of stability

with well-established and socially accepted payment methods and little

incentive for significant innovation. However in the last five years, as a result of

the new pro-competition regulatory framework and major technical

innovation , we are dealing with an unprecedented breakthrough in the way

retail payment instruments are issued and managed. This evolution is mainly

driven by the use of internet and telecom networks as new payment channels

and the arrival of new payment service providers competing with the traditional

actors of the financial industry. Despite this evolution, one thing remains, new

retail payment instruments need to balance trust and convenience.

In this presentation, Lorenzo Gaston, Technical Director of the Smart Payment

Association will:

• Depict the regulatory, technical and commercial complexities of the retail

payments market

• Highlight drivers and threats impacting the market as we move to an

always-on connected world

• Remind the key functional features and security properties of any retail

payment instrument

• Share the SPA vision of the future of the retail payments industry

Lorenzo Gaston is the Technical Director of Smart Payment Association (SPA).

The primary purpose of the SPA Technical Director is to assist in the

coordination and alignment of technical activities for the organization, to

contribute technical expertise, innovation capability and field experience in the

area of payment technology in standardization bodies. Lorenzo has an

extensive experience and track record in international standard organizations

and regulatory bodies, as a renowned contributor as well as a recognized

advisor, in particular in the domains related to smart devices, payment and

security.

About Smart Payment Association:

The Smart Payment Association (SPA) addresses the challenges of the evolving

payment ecosystem, offering leadership and expert guidance to help its

members and their financial institution customers realize the opportunities of

smart, secure and personalized payment systems & services both now and for

the future.

EPCA Payment Summit 2015

TRACK C4 11:00 12:00

Finance in the eye of the disruption MAR.

10th

Sirpa Nordlund will discuss all the key developments in finance and banking in the midst of disruption, and looking towards the ubiquitous mobile payments. Take aways include:

• Retail Banking: the next field of disruption. 'Outlook 2020' • Positioning HCE & Apple... • Anticipating on changing customer behavior • Next steps in mobile payments

Sirpa Nordlund is executive director of the Mobey Forum, which is a global industry organization empowering banks to lead in mobile money. The members include banks such as HSBC, ING, and Royal Bank of Scotland and software firms such as Monitise, Oberthur, Fiserv and SAP.

Sirpa spent 13 years at telecom and finance industry before joining Mobey Forum. During 10 years at Nokia she had several positions in sales, strategy, business development and finance at Nokia before departing for a senior position at Venyon, a subsidiary of Giesecke & Devrient which provided trusted mobile services for financial institutions. Sirpa holds a Master of Science degree in economics from the Helsinki School of Economics and Business Administration, majoring in finance.

Ms. Nordlund has held the position of Mobey Forum Executive Director since 2010.

EPCA Payment Summit 2015

Sirpa Nordlund Executive director Mobey Forum London

TRACK A5 13:00 14:00

How to make Big Data really work for the Transaction business

MAR.

9th

Jane Zavalishina CEO of Yandex Data Factor and the board of directors of Yandex Money

Jane Zavalishina is Chief Executive Officer of a new Yandex business, called Yandex Data Factory. The mission of Yandex Data Factory is r utilizing Yandex’s data processing and Machine Learning technologies and capabilities outside their core applications and markets. Before taking up the leadership of the company’s new business unit, Jane was serving as Chief Executive Officer of Yandex’s e-commerce payment service Yandex.Money, which she joined in 2005. Under Jane’s leadership Yandex.Money produced a major impact on the e-commerce industry of Russia; it became one of the strongest players on the country’s e-commerce market and one of the most recognized e-payment brands in this country. Prior to becoming head of Yandex.Money, Jane served as Chief Product Officer at Yandex, having joined the company in 2000. During her time in this role, she strongly contributed to the company’s business success and helped to take Yandex to the leading position on the internet market in Russia, where the company gained popularity not only because of the quality of its search, but also because of a wide range of web-based products and services it offered to users. Alongside her duties as CEO of Yandex Data Factory, Mrs Zavalishina remains on the board of directors of Yandex.Money.

EPCA Payment Summit 2015

TRACK B5 13:00 14:00

MAR.

10th

John Broxis Managing Director, PRETA S.A.S. , MyBank

Envision a European network of payments, in any format, made anywhere, and

processed in real time. Would the surmounting the challenge of this set up

outweigh the benefits and cost savings for consumers and businesses?

Who will be the gainers and losers among the stakeholders, and what will shape

the eventual roadmap for this vision. Join the debate among the insiders as they

bring about this panel discussion.

• Why do the stakeholders want a new network?

• Is the SEPA interoperability vision deliverable?

• Can an integrated cards and ACH real time network be built?

• What will be the impact on Europe’s card/ACH schemes and processors?

• What are the build options, risks and outcomes?

John Broxis | Managing Director, PRETA S.A.S. , MyBank

Wolf Kunisch, | Director of the Financial Processing & Software Licensing global

business line, Worldline,

Chaired by Chris Jones| Principal Consultant, PSE Consulting, London

John Broxis has been working in payments and banking systems since 1997

with Logica in London and Saudi Arabia. He moved to EBA CLEARING in 2002 to

support the development and launch of STEP2, thepan-European ACH. In 2007,

he became Director of STEP2 taking the platform through SEPA migration to be

the largest clearing system in Europe, and one of the most sophisticated

globally. In 2010, John created MyBank, a pan-European e-authorisation

solution for online payments, which went live in 2013. In 2014, MyBank was

moved to a separate company, PRETA S.A.S. with John as Managing Director.

Wolf Kunisch is a graduate of the Technische Universität Berlin and of INSEAD’s

MBA program. He began his career as a project manager at Roland Berger

Strategy Consultants in Stuttgart, Germany and in Paris. He joined the Atos

group in 2000, where he performed management functions in innovative and

international business development. He is currently responsible for the Group’s

Financial Processing & Software Licensing global business line as well as its

German and Eastern Europe geographical zones, and has been in charge of

Worldline in Germany since 2010 and in Austria since 2013.

Chris Jones, is a Principal Consultant with nine years experience working for

PSE Consulting and Accenture. He has worked for many of the major payments

and mobile telecommunication firms, assisting in developing their business

strategies and implementing change programmes.

EPCA Payment Summit 2015

Keynote 14:00 15:00

A Common Real Time Network for Payments Interoperability?

Wolf Kunisch Director of the Financial Processing & Software Licensing global business line Worldline

Chris Jones Principal Consultant PSE Consulting