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• What has been the impact of regulation on the payments landscape so far? What does the future hold?
• How can the regulation ensure a level playing field while at the same time promote innovation? What needs to change to meet these dual objectives?
• How will current initiatives, discussions and proposals reshape the regulatory landscape for EU Payments? (PSD2 review, EIP, EU sovereignty etc.).
• What should be prioritized going forward?
• Is digitalization of payments driving competition?
• Is the digital transformation being accelerated by regulatory change? Or is it hindering it?
• How is FinTech reshaping the payments industry?
• What will crypto and Digital Central Bank Currencies mean for the payments sector going
• What’s the current and future role of blockchain for cross-border payments?
• How can AI and robotics play a positive role in the future?
• What role will QR and instant payments have in the future?
• How can both security and convenience be ensured in the world of digital payments?
• What are the opportunities and challenges relating to data sharing and open finance?
13.00 – 13.30 Registration and welcome coffee
13.30 – 14.50 Session 1- Regulating EU payments
13.30 – 13.40 Moderator introductory remarks
13.40 – 13.50 Introductory remarks by Eric Ducoulombier
13.50 – 14.00 Introductory remarks by Dr Dirk Haubrich
14.00 – 14.50 Panel discussion
14.50 – 15.05 Coffee break
15.05 – 16.15 Session 2 – Digitalization of EU payments
15.05 – 15.15 Policy maker introductory remarks by Holger Neuhaus
15.15 – 16.15 Panel discussion
16.15 – 16.30 Coffee break
16.30 – 17:30 Session 3 The future of EU payments – C-level perspective
Managing Director, Fidelis Consulting
Pascale-Marie is founder and Managing Director of Fidelis Consulting, a consultancy company specialized in EU payment matters that offers a wide range of services, from advocacy and public affairs to legal and strategic advice, built from an extensive professional experience across different sectors of the payment industry. Pascale holds a PhD in International Private law and started her career at Europay International (now Mastercard Europe) and held various senior positions in the French Banking Federation, the European Banking Federation and PayPal and membership in key European Working Groups (ERPB, European Commission Payment Systems Experts Group, the EBA API Working Group…). Pascale-Marie is an independent expert within the Commission Payment Systems Experts Group.
Head of Unit, Retail Financial Services, European Commission
Eric Ducoulombier is, since 1 January 2019, Head of the Retail and Payments Unit in DG FISMA. Before that he was in charge of the Unit dealing with Inter-Institutional affairs and Planning in DG FISMA. Eric Ducoulombier joined the European Commission in 1992, after having worked a few years in the private sector (consulting, law firm,…). He holds a Master’s Degree in law.
Vice President, European Government Affairs, American Express
Elie Beyrouthy is Vice President of European Government Affairs at American Express since June 2017 where he leads the company’s engagement with European Union Institutions and advises senior leaders on EU regulatory and public policy matters. Elie Beyrouthy also represents American Express’ interests in several EU trade bodies and professional associations. Prior to joining American Express, Elie Beyrouthy was Director of International Regulatory Affairs at Western Union for 5 years. From 2007 to 2012, Elie Beyrouthy held leadership positions at the World Savings Banks Institute and the European Banking Federation. Elie Beyrouthy began his career as an intern at the European Commission and the United States Federal District Court of Minnesota. He holds two Masters Degrees in Law from the University of Minnesota and from the Jean Moulin University in Lyon - France. Elie Beyrouthy also holds a diploma from the Institut d’Etudes Politiques de Lyon – France.
Head of Conduct, Payments and Consumers, European Banking Authority
Dr Dirk Haubrich is Head of Consumer Protection, Financial Innovation and Payments at the European Banking Authority (EBA), London. The EBA regulates credit institutions, payment services providers, electronic money providers and other financial institutions across the 28 Member States of the EU. Dr Haubrich leads on the EBA’s work on payment services (which covers the security of internet payments, the revised Payment Services Directive and the Interchange Fee Regulation); consumer protection (including mortgages, personal loans, and payment accounts); as well as on the monitoring of financial innovation (such as virtual currencies and crowdfunding). Previously, Dr Haubrich held roles across the private, academic and public sectors: he was a Manager with consulting firm Accenture; Research Fellow at University College London and the University of Oxford; Policy Adviser with the UK Prime Minister’s Strategy Unit; Research & Strategy Manager at the UK Electoral Commission; and Project Manager at the UK Financial Services Authority.
Director, Legal and Economic Affairs, BEUC
Agustín Reyna is Director of Legal and Economic Affairs at The European Consumer Organisation, BEUC. Agustín heads the legal and economic department composed of five policy teams (Financial Services, Digital, Consumer Rights, Competition, and Consumer Redress and Enforcement). He leads the Financial Services team and coordinates the organisation’s work on competition law enforcement and policy before the Commission and the EU courts. Since 2018 he acts as non-governmental advisor for the Commission to the International Competition Network and represents BEUC in various European and international fora. He is member of the European Commission’s Financial Services User Group and of ESMA Coordination Network on Sustainability (CNS) Consultative Working Group. He holds a PhD. in law from the University of Bremen and often publishes in scientific journals on issues related to EU law.
Senior Director, Payments Europe
Marta is a member of the Secretariat of Payments Europe and a Senior Director at FTI Consulting. She supports Payments Europe in the development and execution of advocacy and communication strategies on all relevant payment policies, both at EU and international level. In the past, Marta worked for international law firms in different jurisdictions and represented clients from both the private and the public sector. She also worked as a reporter for a U.S.-based business publication writing about competition policy and its impact on the European industry. Marta is a fully qualified Italian lawyer, and holds a Degree in Law from Università di Torino and an LL.M from Georgetown University.
Head of Division, DG Market Infrastructure & Payments, European Central Bank
Holger Neuhaus is Head of the European Central Bank's (ECB's) Market Innovation and Integration Division in the Directorate General Market Infrastructure and Payments. His Division develops the ECB/Eurosystem’s approach in relation to innovation and integration in the field of payments and post-trade services. It explores innovation which is triggered by new technologies, changes in business models and overall developments in the financial ecosystem; it also drives harmonisation activities and contributes to wider harmonisation initiatives where relevant and makes recommendations to deepen integration in this field. Until November 2019 he headed the Money Market and Liquidity Division which provides market analysis of euro area money markets and ensures the execution of monetary policy through open market operations and liquidity management. It also had a lead role in developing and transitioning to a new reference interest rate for the money market. He was recently seconded to the Federal Reserve Bank of New York as Senior Policy Advisor. Before joining the ECB he worked for the Deutsche Bundesbank and a portfolio management company, inter alia in the field of foreign reserve management and financial market research. Holger Neuhaus studied economics at the Universities of Essen and Toronto.
Policy Officer, Retail Financial services, European Commission
Katarzyna Kobylińska-Hilliard is a Policy Officer in the Retail Financial Services Unit at the European Commission, Directorate General for Financial Stability, Financial Services and Capital Markets Union. Prior to that, she was responsible for corporate governance in financial institutions at the Directorate General Justice and Consumers. Katarzyna also has experience in the private sector working on retail financial services and prudential supervision of banks, as well as in a consumer advocacy organisation.
Head of European Policy Lead, Plaid
Dan is a fintech sector specialist with a background in financial services regulation and public policy. Dan is the Head of European Policy for Plaid, a financial services technology company that specialises in connecting consumers, financial institutions, and fintech developers - giving consumers power over their own financial data. Plaid connects over 15,000 Financial Institutions to over 3000 Fintech applications worldwide. In his role as Head of Policy, Dan spends his time supporting Plaid's European go to market efforts, managing relationships with governments, regulators, policymakers advocating for a regulatory environment that allows open digital financial services to grow. Before joining Plaid, Dan was Head of European Regulatory Relations for Ripple a blockchain payments company and has also advised the UK Government on Fintech policy. Dan also helped set up and found Innovate Finance, the UK's Fintech membership association.
VP Government Engagement, Europe, VISA
Sacha Polverini joined Visa in September 2020 to lead its Government Engagement and public policy activities in Continental Europe . He joined Visa from Walgreens Boots Alliance (WBA), where he led the group’s European public affairs activities. Prior to WBA, Sacha spent four years in Seattle at the Bill & Melinda Gates Foundation’s Financial Services for the Poor (FSP) program where he was in charge of Global Policy and Regulation. Sacha joined the foundation from Brussels where he lived and worked for almost 20 years representing - at senior level - the interests of large international financial corporations (i.e. Barclays, General Electric) before both the EU and national policy and decision makers. A graduate of University L.U.I.S.S Guido Carli in Rome, Sacha holds a Master’s degree in European Political Studies from the Université Libre de Bruxelles and he completed the post-graduate management program at Solvay Business School, École de Commerce de Solvay, Brussels.
Government Relations Director, EMEA, Ant Group
Agnès leads Ant Group’s public affairs work across the EMEA region since June 2020. She has over a decade of experience in driving public policy engagement in financial services and digital finance. Prior to joining Ant Group, Agnès worked for 9 years at Euronext, where she was EU and France government affairs manager after having served as a policy advisor. Agnès has an academic background in international relations, political economy and EU law and holds a master’s degree from Sciences Po Paris.
Executive Director, National Bank of Belgium
Tim Hermans became an Executive Director of the National Bank of Belgium in 2015. Within the Bank, Tim is responsible for the surveillance of market infrastructures, payment services and cyber risks, as well as cash operations and the IT-department. He is a member of the Committee for Payments and Market Infrastructures (CPMI) with the Bank for International Settlements (BIS) and is the Chair of the Belgian National Retails Payments Committee. Besides his responsibilities in the Bank, he is a member of the High Council of Finance and the vice-chairman of the Belgian National Council for Productivity. Before joining the Executive Committee, Tim held a number of positions in the Bank in the areas of economic statistics and prudential supervision and policy. He was also an advisor and chief of cabinet for several ministers.
President, Mastercard Europe
Mark Barnett is President of Mastercard Europe and a member of the company’s management committee since 1 June 2020. He is responsible for the overall success of the only true multi-rail payments technology company, across a region that encompasses 53 countries and serves over 950 million people through partnerships with retailers, financial institutions and businesses. In this role, Mark leads a business focused on doing well, doing good and making people’s lives easier by delivering simple and secure ways to pay and by fostering a culture where he drives new technology and innovation to position Mastercard as the partner of choice. Mark joined Mastercard in 2003 and has held various roles. Prior to his current role, Mark was the President of the Mastercard UK, Ireland, Nordics and Baltics Division. Mark has over 20 years’ experience in the retail banking and payments industry. Most of his client work has been at board level; developing payments strategy, designing innovative new products, advising card schemes and processors, supporting government payment initiatives and implementing major transformation programs. Mark has an MBA from Imperial College Business School, University of London, and a Bachelor’s degree in Economics, also from London University.
Deputy CEO, P27 Nordic Payments
Claus Richter joined the company in March 2019 as Chief Operating Officer. Before joining P27, Claus served at Nordea for almost seven years, most recently as Head of Transaction Banking Solutions. Before joining Nordea, he worked for IT consultancy firm Raft Consulting for over five years and spend almost eight years at ABN AMRO in (IT) program/project management roles. He holds an Executive MBA degree from AVT Business School and a degree in Marketing and Finance from International Business Academy.
Founder & CEO, Brite Payments
Lena Hackelöer is founder and CEO of Brite Payments, a Swedish FinTech providing instant payments and payouts across 21 markets in Europe. Brite leverages open banking technology to process payments realtime between consumers and online merchants. A dual citizen of Sweden and Germany, Lena has extensive experience in the European FinTech sector, with a focus on payments and consumer credit. She spent more than 7 years in leading positions in Klarna Bank, where her roles included Director Global Business Marketing and Director Market Growth and Strategy. Prior to founding Brite, Lena served as CEO of Qliro Financial Services (STO:QLIRO), a FinTech offering payment solutions for e-commerce and consumer credit services. Lena holds a Bachelor's degree from Dortmund Technical University and a Master's degree in International Management from BI Norwegian Business School and ESCP Business School in Paris.
General Manager Continental Europe, Global Merchant Services, American Express
Jean Diacono heads up Global Merchant Services Continental Europe. Jean joined American Express in 2004 in the Strategic Planning Group, based out of the UK, where he advised Business Unit leaders on Strategic projects and initiatives. In 2006, he was promoted Vice President Global Client Group UK in the Global Corporate Services division, responsible for the relationship with American Express largest corporate clients. In 2010, he moved to the acquiring side of the business, Global Merchant Services, based out of Paris, to lead the European B2B team and in 2012, he extended his scope to Merchant Acquisition in France. In 2014, he became General Manager for the Global Merchant Services division in France and Benelux and in 2020 he expanded his responsibilities again to Continental Europe. Jean is a board member of AEPE, American Express Merchant acquiring entity in Europe and AECF the issuing entity in France. Jean has a track record of driving transformational results, bringing value to his clients and partners and developing his team. Prior to joining American Express, Jean worked at The Boston Consulting Group as Strategy consultant with a focus on the financial services and pharmaceutical industries. Jean holds an engineering degree from Ecole Centrale de Lyon and an MBA from INSEAD. Jean and his wife, Isabelle, live in Rueil Malmaison near Paris with their two children Jules (14) and Léopoldine (8).