EuropeanPaymentSummit 2017: A special dual...

EuropeanPaymentSummit 2017: A special dual program !

EuropeanPaymentSummit (EPS) offers a unique 2 day program featuring key developments ‘for-by professionals’ in the payments/transaction space combined with a full 2 day program with key sessions on international Security & Fraud. These two program sections will be programmed in parallel to enable delegates to switch and select key sessions to attend.

Next to plenary introductions, delegates can create a full meaningful 2 day program in order to gain best insights on developments, debate on key issues and learn from best practices. Of course there will be ample time for meeting your international peers and thus networking.

Offering a Program on “Transactions” and “Security & Fraud”

The Hague Security Special program development will be supported by Hague Security Delta (HSD). HSD is the largest security cluster in Europe. In this cluster institutions work together on innovations and knowledge in the field of cyber security, national and urban security, protection of critical infrastructure, and forensics. HSD has partnerships and create knowledge bridges with the main global security clusters in the USA, Canada, Singapore and South Africa, next to having strong ties to the main European security regions and Brussels. They share a common goal: creating a secure world and transaction space.

Next to the many session, we do have many 30 minutes breaks so you can spend time at our lounge and visit key cases and presentations of professional suppliers and new start-ups (FinTech), selected to add value the program.

Please have a look at our program grid to get a better idea of the program content and special track sessions offered!

Also check out our 2016 edition video impression here: https://vimeo.com/183954788

14.45 Networking Break


15.15

PSD2 XS2A: State of play on RTS, API, ERPB WG and other acronyms

- First reflections and role of ERPB (working group report)

- The implementation: ‘testing the water’

- Cases on API’s: Access-2- Account break-throughs

Moderator: Paul Alfing | Senior Consultant Retail | Payments Advisory Group | Utrecht

John Broxis | Managing Director | Preta | Paris

Lu Zurawski | Solutions Practice Lead, Consumer Payments EMEA | ACI Worldwide | London

Biometrics in Payments

- Up to date briefing on state of the art developments

- Trends of biometric applications in financial markets and transaction space

Moderator: Max Snijder | Co-founder | European Association for Biometrics | Amsterdam

Denis Joannides | Founder | Onegini | Utrecht

Henrique diLorenzoPires | Innovations Manager | UL Transaction Security | The Hague

Fighting Payments Fraud with Data Science

- Fraud implications with faster payments

- Industry-wide data sharing efforts in fighting fraud

- How can banking industry better respond and keep pace?

Jim Wadsworth | Managing Director | Accura | London


16.30

From Digital Payments to Digital Finance: How China’s tech companies are redefining banking in Asia and soon Europe - How China went from Digital

Payment Products to Digital Finance Platforms (combining Alibaba/ANT Financial services products)

- Regional expansion in Asia (ASEAN and India)

- Future Impact on European Banking and Financial Services

Zennon Kapron | MD | Kapronasia | Shanghai

Next Generation X-Border Payments: The end of correspondent banking?

- X-border banking for startups - How to become more efficient at

lower cost

Anders la Cour | Chief Executive Officer | Saxo Payments | London

Fraud and Authentication in the Digital Era - Mobile & PSD2 - Cross-channel fraud and controls

and intelligent authentication management

- Expanding digital fraud protection for Open API Banking environments

- Preparing for PSD2 fraud coverage

Omri Kletter, Head of Fraud Solutions Sales & Business Development, EMEA, NICE Actimize | London

17.15 Keynote by Maria Gracheva | CEO of Yandex.Money | Moscow - Sharing insights of swift moving consumer behavior - Governmental and historical background of the mobile ecosystem development - Yandex.Money case, compared to European and Global trends

17.45 EPS - Florin Awards Security Special presentation & ceremony

18.00 Cocktail Reception

18.45 Dinner @ Louwman Museum [ All delegates are invited! ]

21.15 End of Program

A3 B3 S3


A2 B2 S2

08.30 Welcome Coffee

09.30 Recap & Opening by Harry Smorenberg

09.35Identity as the Great Enabler - Perspectives from United States Jeremy Grant | Managing Director | The Chertoff Group | Washington

10.00“Reality of Digital Identity in Europe” - Current Status and the Way Forward - Wider implications of re-usable digital identities - Solutions that fits privacy regulation

Douwe Lycklama | Founder | Innopay | Amsterdam Andrea Servida | Head of Unit | European Commission DG CONNECT H4 - “e-Government & Trust” | Brussels Gerard Hartsink | Chairman of the GLEIF Board | Basel



11.15

Digital customer onboarding to transact: challenges and solutions

- EU regulatory perspective: changes & challenges

- Example solution for online identification: iDIN

- Challenges and learning of (re)designing the onboarding process

- Panel & discussion

Moderator: Josje Fiolet | Innovation Consultant | Innopay | Amsterdam

Allard Keuter | Senior consultant | Dutch Payments Association | Amsterdam

Ole Christian Olsson | VP Sales | Signicat | Amsterdam

Hugo Löwinger | Strategic Business Architect | MoneYou | Amsterdam

Open API Banking: Financial Lego in Payment Solutions

- FSI & payment services as cafeteria model

- Putting clients at heart of banks service proposition

- Integration of bank services into 3rd party channels ( e.g.: Small ticket lease for SMB, Offering FX services, Offering PSP which includes Retail Finance options)

Gijs ter Horst | CMO | Ximedes | Amsterdam

Joris Portegies Zwart | CTO | Ximedes | Amsterdam

Next Gen Architecture in Fraud & Cyber Security Management – Banking Perspective

Vikas Munshi | Creative Technologist | ING Bank | Amsterdam

12.00 Lunch

A4 B4 S4



13.15

eCommerce: Innovative solutions in payments and settlements

- Introduction & discussion and overview of new out-of-the box solutions

Marco Fava | MD | CleverAdvice | Milan

Max Geerling | Executive Advisor | Dutch Payments Association | Amsterdam

CEE/Russia Innovation Special: Briefing & Discussion

- Russia eCommerce & X-border trade

- Unique customer behaviour - Payments innovation agenda

Maria Gracheva | CEO of Yandex.Money | Moscow

Zsombor Imre | Founder | InVendor Investment and Innovation | Budapest

Victor Dostov | CEO | Russian E-Money Association | Moscow

Fighting Digital Money Laundering and Terrorist Financing with Cyber Intelligence

- AML risks according to today’s regulatory framework (5AMLD)

- Industry trends and uprising of new ML problems

- Transaction laundering as newest form of fraud

- How to harness technology to mitigate risks

Ron Teicher | CEO | EverCompliant | Tel Aviv

Nadja van der Veer | Partner - Attorney | International Payment Counsel | Amsterdam


14.30 China as one big ‘Sandbox’ of innovations - How innovations in payments from China will affect Europe and rest of the world - The FABulous ‘3’

Moderator: Zennon Kapron | MD | Kapronasia | Shanghai

Panelists: David Lee Kuo Chuen | Professor, Entrepreneur, Director and Advisor | Singapore Jeff Hu | Head of Product Development at Alipay EMEA | London

15.15 Plenary Keynote “Change Happens”; the dual roles of evolution and revolution in payments Reflections of the Australian payments landscape, global developments and EPS 2017

Victoria Richardson | General Manager Payments Direction | Australian Payments Clearing Association | Sydney

15.45 Closing Reception | Drinks Snacks & Goodbye


A5 B5 S5

Introducing the EPS 2017 ProgramMAR.

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Harry Smorenberg CEO of Smorenberg Corporate Consultancy

Keynote 09:15 09:20

Dear Delegate,

As Chairman I'd like to invite you to participate and enjoy our 16th edition of the EuropeanPaymentSummit 2017. Apart from the summary of our program, we offer you a detailed program insight. Many key topics will be discussed in great detail in our ‘tracks of choice’, where plenary keynote introductions will deepen your expertise on new strategic directions in the transaction space.

We are very happy to welcome great speakers and thought-leaders from around the world. A great meeting place for senior professionals and practitioners involved in (aspects of) payments, e-commerce, regulatory, security, legal, ICT and marketing.

Please join our 16th edition and experience top quality program, essential networking and steep learning!

Harry Smorenberg Chairman

Introduction by Saskia Bruines

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Saskia Bruines | Deputy Mayor | The Hague

Saskia Bruines was born in Aalsmeer on 3 June 1962. She studied Social Geography at the University of Amsterdam, with a major in Historical Geography.

From 1999 to 2002 Bruines was alderman in Amsterdam. Her portfolios were Art and Culture, Information and Communication Technology, and as of 2001 also Public Space and Green, Environment, Taxi Affairs, Inland Waterway Management and Resources, Well-being and Education (inner city).

From 1998 to 1999 and from 2002 to 2006 she was a member of the Amsterdam Municipal Council for D66. Bruines thereafter held various positions in the cultural sector. In 2008 and 2009 she was the quatermaster for the establishment of the Culturalis Theater in The Hague, now called Theater De Vaillant. Bruines was director of the former De Hint centre for the arts in Aalsmeer and Uithoorn from 2009 to 2012.

From 2012 until she became alderman of The Hague in February 2017, Saskia Bruines was alderman in Leidschendam-Voorburg. Her portfolios were Education, Economy and Business Climate, Child Welfare, Spatial Development, Services, Social Services, Modern Government programme, Information Security and Internal Affairs.

Keynote 09:20 09:30

The Cyber Security Challenges In Transacting

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Keynote 09:30 10:00

Massimiliano Michenzi Europol EC3 - Payment Fraud & Crime Specialist

Universal implementation of EMV cards in the EU has shifted the focus on fraud from card-present to card-not-present activities. Fighting payment fraud — in particular that involving credit and debit cards — is one of the three mandates of Europol’s European Cybercrime Centre (EC3).

Card-not-present fraud, often referred as carding, accounts for the majority of fraudulent card transactions in the SEPA area.

At this keynote, Massimiliano will share the EUROPOL's position and efforts in some of the key operational areas:

• ATM malware and skimming devices • E-commerce fraud with a focus on the transport (airlines), retail

and accommodation sectors. • The acquisition and trading of compromised financial data

Massimiliano Michenzi Europol EC3 - Payment Fraud & Crime Specialist

The Changing European Payment Landscape

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Thierry Chilosi Head of Markets & Initiatives Europe, Middle-East and Africa SWIFT

The European payments industry is facing changes that will have a profound impact on the future of the financial sector.

The first is around the modernisation of infrastructures, with the emergence of new retail instant payment services and also the upgrade of wholesale payment services to include richer functionalities. The European Central Bank is pressing ahead for more efficient and integrated pan-Eurozone solutions and industry participants across the continent are working towards this goal, but there are particular complexities around the delivery of this vision. There are many initiatives happening in parallel and these all need to fit together if the Eurozone’s response is not to end up being fragmented.

At the same time, new regulations are proving to be a game changer for the European landscape. PSD2, for example, which will drive better services for customers, is also opening the way for new technologies and new business models.

Digital innovators are being quick to capitalise on these opportunities. The challenge for banks is to keep up with the pace of innovation while concurrently operating more efficiently in an increasingly regulated context. Banks must adapt and evolve as these changes have the potential to transform not just European but global and cross-border banking.

Keynote 10:00 11:00

Michael Salmony Executive Adviser at equensWorldline SE

Hays Littlejohn CEO EBA CLEARING

Patrick Tans Senior General Manager Banking Products KBC Bank

Philippe Lepoutre | Deputy Head of Global Transaction & Payment Services | Societe Generale

New Regulatory Challenges: PSD-2 impact

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TRACK A1 11:30 12:15

Monica Monaco Founder and Managing Director TrustEuAffairs

This session will allow you to learn more about the regulatory strands of work European and non-European regulators are currently engaging in and which are likely to shape the global payments landscape in the next two to three years. Data economy and data portability, the digitalization of banking, online platforms and the European Directive on Geoblocking, the e-identity legislative developments as well as the 5th AML Directive, the PSD2 implementation and the draft E-Privacy Directive are among the regulatory developments which will be discussed.”

Divya Bhardwaj Senior Counsel for Payments at Airbnb

Victor Dostov CEO & President, Russian E-Money Association | Moscow

Pascale-Marie Brien Senior Policy Adviser, Payments and Digital at The European Banking Federation (EBF)

Real-Time Payments; at last!

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TRACK B1 11:30 12:15

Jean-Michel Godeffroy President | JMG Consulting |Frankfurt

Domenico Scaffidi Principal Solution Consultant Immediate Payments ACI Worldwide

Helmut Wacket Head of Oversight Division, DG Market Infrastructure and Payments European Central Bank

George Evers Immediate Payments Services Director, VocaLink

Real-Time Payments; at last ! Yes, the global adoption of real-time payments is picking up speed! Pushed by new (Fintech) developments, bank RTP network initiatives in Europe are taking off!

instant payments are becoming essential as we face real-time delivery in the industrial (just-in-time delivery and production) as well as general life (communication, delivery of goods and services). In our track we will discuss the upcoming implementation of instant payments and share insights on the latest ECB investigation whether there is a business need for delivering an instant settlement service, i.e. TIPS (TARGET Instant Payment Settlement).

In this context a need for real-time – i.e. instant – payments arises. The ERPB tackled this topic as of late 2014 and as a consequence the EPC delivered the SCTinst Scheme in November last year. The ECB has – besides fostering the work of the ERPB – worked intensely with the clearing industry preparing to prepare the conditions under which an efficient clearing of instant payments is possible in order to achieve pan-European reach.

Jean-Michel Godeffroy will moderate a top panel setting of insiders with Helmu Wacket (ECB), George Evers (Vocalink) and Domenico Scaffidi (ACI Worldwide).

Payments Security & Privacy: Houston, we have a problem.

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TRACK S1 11:30 12:15

• What do we see going wrong in practice? • Why is this not sustainable? • How can you deal with new threats, new laws and all that

technology?

The essence of "Security by Design”

With great new possibilities come great new security and privacy challenges and threats for the financial sector. Systems are increasingly connected, increasingly complex, increasingly open and increasingly under threat of criminals and cyber vandalists. The proof of this can be read in the papers almost every day. The growth of financial high-tech is faster than ever, bringing new security possibilities and issues, and at the same time there is still a large base of legacy that is not going anywhere, also bringing challenges with respect to security risks.

Software plays a large role in these threats because it is central in the processing of information. It is with good reason that in the new “PCI DSS 3.2” it is now explicitly required that the source code should be reviewed by experts prior to releases. This is essential to really find the weaknesses buried in these systems that cannot be found using the regular security tests. These weaknesses require 100 times more effort to fix than to build it right in the first place, which is why it is so important to practice “security by design” as early as possible in the development process.

New privacy regulations, especially the GDPR, require that – apart from securing personal data – the way of processing this data also needs close attention. Regulation fines are higher than ever.

In this key track session, we will take you through observations we made during the many software security & privacy assessments that we performed, to show you and share with you the pitfalls of unconscious incompetence. Next we will analyze why we are seeing the same mistakes over and over again. This allows us to address the root causes to come towards a ‘set of steps’ that is essential for your daily practice to secure your business and your clients interest and trust.

Rob van der Veer Principal consultant at Software Improvement Group (SIG)

Prof. Dr. Joost Visser CTO at Software Improvement Group (SIG)

Open Banking: Sharing the Expertise (Panel session)

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Keynote 14:00 14:45

Vincent Jansen Partner | Innopay The Hague

Don Ginsel Founder Holland Fintech Amsterdam

Open Banking: learning from professionals

The development of Open Banking is accelerating fueled by both customer demand, competitive Fintech pressures and last but least, the recently adopted regulation of PSD2 and GDPR. Especially the provisions for ‘Access to the Account’ require banks to ‘open up’. It is up to the individual leaders to which extent they would like to ‘open up’ beyond compliance, i.e. defining their level of ‘platformisation’.

We are moving to a world with financial delivery and innovation will be defined and ‘clicked together’ by retail and commercial (often mobile) customers. The prerequisite is then that banks and Fintech players can seamlessly co-operate together where banks are acting as a platform facilitating their customers to have control over their account and data and the parties they wish to connect with.

Earliest by the end of 2018 the obligatory PSD2 ‘openness’ should become available in the EU-28 region. In the meantime, banking and Fintech leaders are grappling with the implications and the required actions.

On EPS we will devote ample time on this important development, by inviting leading practitioners in the emerging field of ‘Open Banking’ to share their experiences with us and to look ahead on what it takes to make a blossoming sector out of this new possibilities in the coming years

David Kauer | Head Product Management Value Added Services | PostFinance AG | Bern

PSD2 XS2A: State of play on RTS, API, ERPB WG and other acronyms

MAR.

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TRACK A2 15:15 16:00

This will be an information session bringing the session up to speed with the state of play on the Access to Account that takes place within the revised payments services directive.

Moderating this session, Paul as co-chair of the new ERPB WG on Payments Initiation Services, will provide an excellent overview of the current discussion.

Paul Alfing Senior Consultant Retail | Payments Advisory Group

John Broxis Managing Director of MyBank

Lu Zurawski Solutions Practice Lead, Consumer Payments EMEA ACI Worldwide

Biometrics in Payments

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TRACK B2 15:15 16:00

Max Snijder Co-founder European Association for Biometrics Amsterdam

Denis Joannides | Founder | Onegini |

Henrique diLorenzoPires | Innovations Manager | UL Transaction Security | The Hague

We see major developments in the financial sector and mobile environment. Increasingly biometrics are being used for mobile authentication for applications. That includes financial transactions. In the payments scheme we see that roles are being redefined and new business models are emerging.

It seems that we are in the middle of a changing paradigm, There is a lot at stake, going along with several questions: – What is the future of banking? – Who will be able to serve the client the best? – Will client contact become only digital?

In any scenario is starting to play a key role: for convenient mobile authentication, to secure digital onboarding and internal security. In all these dynamics we move into new territories, which includes the mass use of biometrics. However, despite the huge successes of certain features like the iTouch of Apple, we still have many issues that need to be addressed, such as the quality and reliability of biometric authentication, the uses of open standards, interoperability, privacy and data protection and legislative aspects. During the track we will zoom in on these issues with some leading experts in the field.

Join this expert panel at EPS 2017 to stay up to date on the latest developments in biometrics and payments!

Fighting Payments Fraud with Data Science

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TRACK S2 15:15 16:00

Globally the financial services industry is increasingly adopting faster payment systems, enabling people around the world to benefit from the speed and convenience of transferring money 24/7. Unfortunately, fraudsters are also quick to leverage the benefits of faster payments. Fraud can have devastating implications for both businesses and individuals, resulting in large financial losses, business closures and job cuts. Stolen funds are regularly used to support crime, banks or their customers usually have to bear the cost, and at the moment once money leaves a bank account it is rarely recovered. Session will give attendees answers to some of the biggest questions facing the payments industry today: • What are the fraud implications for banks and their customers

following the implementation of faster payments? • How can an industry-wide approach to data sharing, together with

cutting-edge data science, help in the fight against fraud? • What are the challenges facing financial institutions when trying

to protect their customers from fraud? • How can the banking industry respond and keep pace going

forward? • How can payments data be better used in the fight against fraud?

Jim Wadsworth Managing Director of Accura – VocaLink’s insights business, VocaLink

From Digital Payments to Digital Finance: How China’s tech companies are redefining banking in Asia and soon Europe

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TRACK A3 16:30 17:15

Zennon Kapron Managing Director, Kapronasia | Shanghai

How China’s tech companies are redefining banking in Asia and soon Europe

It is amazing to see how China moved from Digital Payment Products to Digital Finance Platforms (combining Alibaba/ANT Financial services products). In this special track we look and discuss this regional expansion in Asia (ASEAN and India) and especially look at the future impact on European Banking and Financial Services. Next to essential briefing on developments, this session is open for ample Q&A and discussion. Zennon Kapron, MD of Kapronasia, brings his experience and insights from China to share in this unique session!

Next Generation X-Border Payments: The end of correspondent banking?

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TRACK B3 16:30 17:15

Anders la Cour Chief Executive Officer Saxo Payments London

The digital space is shifting the payments landscape. We now live in a world of intermediaries – businesses that tend not to have assets of their own, but provide the marketplace that bring together sellers and buyers. Think Uber, eBay, Airbnb, even Google.

These businesses are providing the conduit for trillions of dollars of trade. But the correspondent banking infrastructure is stopping them being truly global. It’s currently too hard to manage many banking relationships in many countries.

What’s the answer? A whole new ecosystem is rapidly emerging which provides the infrastructure for business to business cross border payments without any need for correspondent banks.

3 ‘take-aways’ • To succeed as a multi-sided platform, you need 3 things

• 1) the network effect – leverage other people’s assets, • 2) maintain a ‘thin’ balance sheet and • 3) technology

• Success also comes from customer-focus – don’t lose that focus by trying to be the utilities that underpin your business

• Make the payment process a reason your customers choose you – it should be a facilitator rather than a barrier to success. It can even be a revenue stream for you.

Read more>> http://europeanpaymentsummit.com/underbanked-fintechs-shrinking-world/

Securing Mobile Platforms

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TRACK S3 16:30 17:15

PSD2 requires banks to open APIs to Third Party Providers to allow more competition and innovation. Opening up the doors to third parties exposes banks to new fraud risks and challenging authentication scenarios. How can you then better protect your customers and your organisation from fraud in a PSD2 environment? Join Omri Kletter at EPS on a discussion on fraud and authentication in the Digital Era – Mobile & PSD2.

Key Reading Material: "Preventing Fraud in the Open Banking Era” http://info.nice.com/rs/338-EJP-431/images/Fraud_OpenBanking_InsightArticle.pdf?mkt_tok=eyJpIjoiTWpjMVkyVTBZVFZtTm1WaCIsInQiOiJ6amdRUHdEbDB6RzB3ZXVucGxJU0NQQVBITnRiSkNFSzFuYUl3bERJa0RpOHhxVGxnaFA3Z3JZMFk4SzJNSnhqNWs2UFg1V2RielwvQUVKWW5IRTV0a2c9PSJ9

Omri Kletter Head of Fraud Solutions EMEA, NICE Actimize

Keynote by CEO - Yandex.MoneyMAR.

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Keynote 17:15 17:45

• Sharing insights of swift moving consumer behavior • Governmental and historical background of the mobile ecosystem

development • Yandex.Money case, compared to European and Global trends

Yandex.Money, first designed as a single e-wallet, has now transformed into Russia’s largest online payment service with its own mobile ecosystem. At the European Payment Summit 2017 Maria Gracheva, Yandex.Money CEO, will share the success story of Yandex.Money, get an insight into Russia’s mobile environment and local payment habits and compare it to European and global trends.

M-commerce has the potential to change consumer-shopping habits and is poised to burst into the mainstream thanks to a host of technological advances that are making it easier for people to shop on their phones. Maria Gracheva will cover m-commerce diversity in a swift changing environment highlighting possible mobile scenarios, statistics and forecasts. She will talk about governmental and historical background of the mobile ecosystem development in Russia and shed a light on how the industry can evolve in numerous ways in the coming years.

Maria Gracheva CEO Yandex.Money | Moscow

Taking Cyber Risk Management to the Next Level

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Keynote 09:35 10:00

Jeremy Grant | Managing Director | The Chertoff Group | Washington

When “done right”, strong customer identity and authentication solutions are not something to fear but something to embrace – they become the “great enabler” of more efficient, bespoke transactions that delight customers.

With increasing intersection of identity and payments across the world – the need to build strong identity solutions baked into online and mobile payments is critical. Is it possible to have strong authentication that not only does not degrade the user experience, but actually enhances it?

Join Jeremy Grant in this eye-opener keynote where he shares experience from leading the National Program Office for the National Strategy for Trusted Identities in Cyberspace (NSTIC), the first new cybersecurity program launched by the Obama Administration.

He will discuss: • some perspective on where we’ve been – both in the U.S. and Europe

– on identity, and look ahead to where we’re going, both on government and industry efforts.

• How identity solutions can be synced with online and mobile payments

• On the recent battle over the PSD2 authentication rules, are some of the panic from companies in the payments space tied to them not looking hard enough for the right authentication solutions? Can there be strong authentication which still satisfies user experiences?

Jeremy Grant a Managing Director at The Chertoff Group, where he works with the Firm’s clientele to develop growth strategies, identify market solutions and advise on policy impacts across the information technology, transactions and cybersecurity sectors. In this role, Mr. Grant utilizes his diverse background and deep understanding of business, technical and policy issues around identity, privacy and cybersecurity, having served in a range of leadership positions spanning government and industry. Prior to joining The Chertoff Group, Mr. Grant established and led the National Program Office for the National Strategy for Trusted Identities in Cyberspace (NSTIC), the first new cybersecurity program launched by the Obama Administration. Housed in the National Institute of Standards and Technology (NIST), Mr. Grant led the Administration’s activities across private and public sectors to drive a marketplace of more secure, privacy-enhancing identity solutions for online services. In this role, Mr. Grant coordinated development of a common shared identity service for citizen-facing government digital applications and helped establish the private-sector led Identity Ecosystem Steering Group, which is crafting a framework of standards and rules to enable a trusted online environment that can validate the identities of individuals securely with minimal disclosure of personal information.

“Reality of Digital Identity in Europe” - Current Status and the Way Forward

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Keynote 10:00 10:45

Douwe Lycklama | Founder | Innopay | Amsterdam

Andrea Servida | Head of Unit | European Commission DG CONNECT H4 - “e-Government & Trust”

Gerard Hartsink Chairman of the GLEIF Board

Last year on July 1st the European direct electronic identification and trust services for electronic transactions in the internal market (eIDAS) came into effect. This ground breaking regulation seeks to harmonise the internal market for digital identity services, such that business and citizens can interact safely and freely with businesses and governments.

At the same time eIDAS was drafted in 2014, the Global Legal Entity Identifier Foundation (GLEIF) was set up by the Financial Stability Board in order to create better transparency of entities dealing with each other

In this keynote panel moderated by Douwe Lycklama of Innopay, Andrea Sevida of eIDAS and Gerard Hartsink of GLEIF will explain how these developments affect the e-business world and in particular the financial industry. Questions and angles include:

• Can we re-use private authentication methods cross border in business and public interaction?

• How does eIDAS facilitate remote cross border on boarding for financial services?

• How will the penetration of digital identity increase? • How does LEI and eIDAS work together? • How does the General Data Protection Regulation impact the

uptake of digital identity usage? • How will adoption of LEI and digital identities be stimulated?

From this panel practitioners will learn how they can put these important developments into action towards more seamless digital and cross border services.

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TRACK A4 11:15 12:00


- EU regulatory perspective: changes & challenges - Example solution for online identification: iDIN - Challenges and learning of (re)designing the onboarding process - Panel & discussion

Josje Fiolet Innovation Consultant at Innopay

Allard Keuter Senior consultant and scheme architect iDIN, Dutch Payments Association


Ole Christian Olsson | VP Sales | Signicat | Amsterdam

Hugo Löwinger | Strategic Business Architect | MoneYou | Amsterdam

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TRACK B4 11:15 12:00

Open API Banking: Financial Lego in Payment Solutions

Gijs ter Horst CMO at Ximedes

Joris Portegies Zwart CTO of Ximedes

The common strategy for banks can almost be captured by paraphrasing Kennedy: "Ask not of your client to go to the bank, but make the bank go to the client". Survival requires putting the customer at the heart of the bank's service proposition, which requires a fundamental shift in the way banks are organized.

Experts say that to be `where the client is' requires integration of banking services into third party channels, and the bank to publish, document and deliver open APIs to their systems.

This may be true, but it is also rather abstract. In this talk we will explore some practical examples of using these API's, both in the physical and n the digital domain. What do these APIs offer, and how does that benefit both consumers and business alike?

1. Small-ticket lease for the SMB. Opening up leasing to the big public requires a drastic simplification of this inherently complex product. But, creating effective APIs on simplified leasing product opens up interesting new financing options for the SMB.

2. Offering foreign exchange services. At this moment it requires a lot of effort for SMB's to get a FX-contract with a bank, can this be simplified? And can SMB's be offered FX-options right when they need them?

3. Offering a PSP which includes Retail Finance options such as invoicing and payments by installments. The success of parties such as Klarna proves that such an offering is very compelling to consumers.

4. PSD2 - Another often-made point is the need for banking APIs to comply with PSD2. However, any third party connecting to these APIs will have to worry about correctly authenticating consumers and dealing with authorizations

Gijs ter Horst is Ximedes' CMO, responsible for all sales in the company . Gijs own focus is on the Fintech customers. Gijs started his career as a software developer and fulfilled roles of software architect and technical project manager, working on payment systems as well as websites for large ISP's at various companies before h e switched to a commercial role. Gijs studie d physics at the University of Groningen.

Joris Portegies Zwart is CTO of Ximedes, a software technology provider with a strong footprint in the payments industry. As CTO, he is responsible for overall delivery of software development and operational services to clients.

eCommerce: Innovative solutions in payments and settlements

MAR.

TRACK A5 13:15 14:00

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Marco Fava MD CleverAdvice Milan

Probably one of the most important discussions in eCommerce typically revolves around payments. If you do a search on google everyday, you are bound to find another new payment channel, platform, or technology. We certainly live in a thriving era of innovations!

The discussion of the ‘uberization’ of payments in making the process completely frictionless at checkout and contextual commerce – meeting the customer where and when they want to purchase. i.e. social media apps or recipe pages.

How will the big eCommerce giants drive the direction for payments innovations? And what do small players do to catch up?

Join Marco Fava of CleverAdvice and Max Geerling from iDEAL on this discussion at EPS2017.

Max Geerling PhD Executive Adviser e-Payments | iDEAL

CEE/Russia Innovation Special

MAR.

9th

Maria Gracheva CEO Yandex.Money | Moscow

Zsombor Imre Founder InVendor Investment and Innovation | Budapest

The Central and Eastern Europe economy is expected to grow steadily at 3% from this year to next, with Romania Poland and Slovakia expected to achieve the fastest growth. These CEE countries combined are almost equal to USA in terms of population but under focused. With an growing affluent population, online retail is steadily increasing and countries like Poland even boast of impressive double digit growth in eCommerce.

Which of the newer payment methods will take off? Will cards still be relevant? Alternative payment methods like wallets, kiosks, in-app or pre-paid payments? What are the banks doing in this climate? Who are the most promising newbies to the payment industry?

Come hear from the insiders from CEE-Fintech and Yandex Money at EPS 2017! Victor Dostov

CEO & President, Russian E-Money Association | Moscow

TRACK B5 13:15 14:00

AML & Risks – Working Session & Briefing

MAR.

TRACK S5 13:15 14:00

9th

One of the newest form of fraud – transaction laundering is challenging stakeholders like banks and regulators to innovate better solutions. The fraudsters channel payments via masqueraded eCommerce platforms, landing banks into serious troubles.

What should card schemes and regulators do in view of this trending fraud? How can technology help mitigate the risks? Join this indepth track at EPS 2017 together with Nadja and Ron as they update on the latest AML risks according to the regulatory framework of today (5AMLD).

Find out the trends in the industry (the rise of Payment Facilitators and consequences of increased security of card present transactions – EMV) and the uprising of new ML problems associated therewith; transaction laundering as the newest form of fraud (including case studies/examples).

Key take-aways

• Understanding the gaps between the existing regulatory framework and the real world of money laundering;

• Understanding the ins and outs of transaction laundering; • How technology can mitigate the money laundering risks of today’s

world

Ron Teicher CEO | EverCompliant

Nadja van der Veer | Partner - Attorney | International Payment Counsel

MAR.

Keynote 14:30 15:15 9th

Plenary Keynote Panel: China as one big ‘Sandbox’ of innovations

China and India are perceived as the two key nations with the most innovations in the transaction space. China’s ecommerce market is still expanding and forecasted to reach $1 trillion in 2020.

Mobile payment giants Alipay and WeChat Pay are going head to head to win market share as Alipay retains its lead. Next to that we see that Chinese payment providers do follow the affluent Chinese shoppers both at home and abroad. Chinese tourism to Europe is growing exponential. So “follow the client” is what we see happening. But will it be more? How will key Chinese payments developments effect the European payment landscape and what to expect from new entries in the European market.

This panel will discuss the key trends in China on payments innovation, next to key insights of the developments in Europe by one of the leading providers: Alipay. The session will be a dual presentation, leaving ample time for Q&A and discussion with the experts presenting.

David LEE Kuo Chuen Professor, Entrepreneur, Director and Advisor

Jeff Hu

Head of Product Management Alipay EMEA

Zennon Kapron Managing Director, Kapronasia | Shanghai

MAR.

Keynote 15:15 15:45 9th

“Change Happens”; the dual roles of evolution and revolution in payments.

EuropeanPaymentSummit 2017: A special dual...

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