Innovators, disruptors and visionaries spearheading Open Banking, Open Finance and Open Payments across Europe
30 September 2022- Amsterdam, Netherlands
Headline partner:
Check out our full speaker roster here.
Ana Climente
Lana Tahirly Abdullayeva
Teunis Brosens
Ghela Boskovich
Joris Hensen
Rūta Merkevičiūtė
Hetal Popat
Sam Seaton
Laura Mian
Ellie Duncan
Arturo Gonzales Mac Dowell
Katharina Berner
Patrick De Neef
Gijs Boudewijn
Emma Kisby
Marina Moretti
Hubert Rachwalski
Todd Clyde
Kelly Stanley
Alexander Stevens
Xiaochen Zhang
Javier Orejas Saldaña
Christian Schäfer
Agenda
Open Banking continues to accelerate, reshaping the European financial services ecosystem and paving the way for PSD3. So, Open Banking Expo Europe returns to bring together those leading the Open Banking and Open Finance revolution to shine a light on the innovators, regulators and policy makers from across the European ecosystem.
The event will once again provide a platform to review the latest progress, share the most exciting developments, analyse current regional trends, and discuss predictions for 2023 and beyond. We will consider what an interoperable Open Finance framework might look like now that a common API standard is potentially in sight, and how innovation is forging a new path for payments experiences like no other. We will also explore how the needs of consumers and businesses are continually evolving as they interact with their money across more platforms than ever before.
29 September
PRE-CONFERENCE NETWORKING DRINKS & DINNER
30 September
REGISTRATION AND NETWORKING
WELCOME & OPENING REMARKS
OPENING KEYNOTE – The future of the European financial services ecosystem: Unity, interconnectivity, innovation
The theme is set against the current geopolitical and regulatory backdrop: the war in Ukraine brought the EU closer together; PSD3 and Open Finance are firmly on the horizon. So, what does it look and mean for the European financial services ecosystem?
POWERHOUSE PANEL DEBATE – The Open Journey to PSD3: A New Open Finance Framework
As Open Banking continues to accelerate, instant payments and PSD2 have been paving the way for PSD3. Creating more open environments while ensuring consumer protections and data security are in place; what European regulators and the industry should do next to ensure continued innovation; understand business priorities, technical expertise, cultural ethos, consumer appetite, and system challenges; consider all the delays with PSD2 implementation and share what lessons have been learnt to make PSD3 implementation different; and why European banks should join forces and ‘unity’ could be a keyword on this new leg of the journey.
Ana Climente
Head of Open Banking BBVA SpainAna Climente is Head of Open Banking at BBVA Spain. Before, she was Head of Digital transformation for enterprise clients at BBVA Spain leading the creation of solutions leveraged on data for enterprise clients to help them make better financial decisions.
Previously, Ana was Vice President of payments and collections in the transition to SEPA and was in charge of developing cash management solutions at BBVA.
Ana joined BBVA in 2005. Before that, she worked as strategy consultant at Accenture, specialized in B2B solutions for Europe, Middle East and Africa. She also started up Adquira, a leading Spanish procurement company.
Ana graduated in International Business (E4) with a double degree in Spain and Germany in 1998 (FH Reutlingen and ICADE University) and in Business Administration in 2001 (ICADE University).
Christian Schäfer
Product Management Head Payments SEPA API Access Scheme Deutsche BankChristian is a Director at the Corporate Bank of Deutsche Bank. As global Product Management Head he is responsible for managing corporate payment product portfolio globally.
He has held various regional and global product management positions at Deutsche Bank. In addition to his current role, he lead the group wide PSD2 program and co-chaired the ERPB working group on the development of a SEPA API access scheme, which he now implements as Co-Chair of the EPC’s Multi Stakeholder Group for the Sepa Payment Account Access Scheme.
Christian graduated from the University of Mannheim in 1997 with a Master in Business Administration and Computer Science and holds a Diploma in Strategy & Innovation from the University of Oxford. He lectures negotiations and managerial skills at the University of Mannheim. In his leisure time, he enjoys running, travelling, and dining out.
Ellie Duncan
Head of Content Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
Gijs Boudewijn
Deputy General Manager, Dutch Payments Association & Chair Payments Systems Committee, European Banking FederationAs of 1 February 2014 Gijs Boudewijn (The Netherlands, 1958) holds the position of Deputy General Manager at the Dutch Payments Association. Before that he was responsible for payments and security at the Dutch Banking Association. He has extensive experience in domestic as well as international payments related issues, including governance, regulation and innovation, competition law and fraud prevention. He started his career as an in-house lawyer at a large Dutch savings bank, and later became Head of Legal Affairs at the former central Dutch clearing house, Bankgirocentrale, the predecessor of Interpay, later equensWorldline. Already during that period he represented the Dutch payment sector in various fora in Brussels, for instance in the context of eurocheque International (later Europay/Mastercard Europe). In 1998 Mr Boudewijn joined the Dutch Banking Association as Head of Payments and Security Affairs, and in 2014 was appointed Deputy General Manager of the Dutch Payments Association. Currently Mr Boudewijn is Chair of the Legal Support Group of the European Payments Council (where he is also a member of the Board) and Chair of the Payment Systems Committee of the European Banking Federation. Over the past years he was in that capacity closely involved with matters relating to PSD, the various Regulatory Technical Standards of the European Banking Authority and the ERPB SEPA API Access Scheme Working Group. Mr Boudewijn is a regular speaker at national and international conferences on strategic payments related issues, new technologies and open banking.
Hetal Popat
Global Open Banking Director HSBCHetal is Director for HSBC UK and Europe Open Banking and PSD2 programmes. He is accountable for delivering the open banking solution specified by the CMA/PSD2 and also for supporting the businesses as they seek to develop propositions that use open banking to benefit customers.
Prior to this role he lead front office commercial/corporate banking teams at Barclays, as well as heading strategy functions at both Lloyds and Barclays. He is a keen adopter of new technologies and all things digital.
Laura Mian
Innovation Driver Open Banking INGLaura has been driving open banking thinking at ING for the last five years. Her focus – new business models building with product and innovation teams around APIs, partnerships, embedded finance, banking as a service. Prior to this, she has twenty years of experience in ING transaction services, in a diverse range of senior roles across the full product range (payments, cash management, trade finance, working capital solutions). She held different responsibilities along product value chains (sales, service and channel development, support, business assessment).
FOCUS ON OPEN BANKING PAYMENTS – Keeping Ahead of the Curve: Can anyone top the Uber payments journey?
Are Open Banking payments the future of payments? VRPs, sweeping, what’s next? How Open Banking Payments will help create new payment experiences? Embedding payments functionality in customer journeys; unlocking new payments means with payments initiation; facilitating ecommerce; supporting merchants and businesses; figuring out who to partner with and where customers are going (how their needs are changing); what innovations should we be looking out for in the next 12-18 months?
Todd Clyde
Chief Executive Officer TokenTodd Clyde is CEO of Token and an established operator of Silicon Valley software companies. He has a twenty-year track record of bringing ground-breaking technologies to market, including e-learning, internet banking, mobile banking and now open API banking. Token is Todd’s fifth technology start-up and he has navigated his previous four to successful exits, including one $2B exit. Todd joined Token in 2017 to alter the payments landscape through a state-of-the-art open banking payment platform and relocated with the company to London in 2018.
REFRESHMENTS & NETWORKING
Session TBF
Speaker(s) to be announced shortly
FOCUS ON SCA & FRAUD – Creating frictionless experiences
Removing friction while ensuring fraud prevention and offering consumer protections; is a bit of friction a good idea?
Hubert Rachwalski
Chief Executive Officer NethoneHubert led Nethone from an early-stage MVP with its first POC to a global business supporting the world’s leading online platforms. After having passed a number of operational duties onto Nethone’s COO, on a daily basis, he is currently responsible for creating and operationalizing the company’s go-to-market strategy, as well as building extensive relationships with the company’s current and future investors.
He holds 2 masters degrees: an MSc from HEC Paris (MIM Grande Ecole) and an MA from the Warsaw School of Economics (Quantitative Methods in Economics & Information Systems). Before joining the Daftcode family, Hubert worked at two of the world’s leading management consulting firms – The Boston Consulting Group and PwC. Specializing in strategic advisory roles for financial institutions, IT companies and entities from the industrial goods and energy sectors, he has a world-class professional track record.
USE CASE
Speaker(s) to be announced shortly
NETWORKING LUNCH
STREAM 1
STREAM 2
PANEL DEBATE – BNPL: Need for robust regulation, the future existence of the current form of the popular BNPL model
In 2021, both the FCA and European Commission submitted proposals for the regulation of this popular payment model. Legislation would not only advocate consumer protection, but also fair competition. Regulation would also allow mainstream credit providers, which have been finding replicating BNPL products difficult, to compete more closely with fintechs.
Speaker(s) to be announced shortly
PANEL DEBATE – Unleashing Open Finance with data
Exploring how accessible data is making it easier for big lenders to ditch traditional credit scoring; turning data into opportunities.
Ghela Boskovich
Head of Europe Financial Data & Technology AssociationGhela Boskovich is the Head of Europe for the Financial Data and Technology Association; she is also a well-known advocate for improving inclusiveness and diversity in Financial Services.
Ghela’s past work was centered on fast-tracking internal innovation and the practical application and comercialisation of fintech/bank collaboration. Currently, she focuses on fostering an ethical data democracy, individual consumer empowerment over their data, data economy disruptive business models, and facilitating banks’ emerging technology consumption.
Ghela takes product, service, journey, and business model redesign from initial concept to go-to-market delivery. Her strong regulatory economic background lends an ability to navigate compliance mandates with a commercial angle, as well as identify new commercial opportunities in a rapidly deregulated landscape. She is an evangelist for Open Banking and Finance as a means to nurture Customer Lifetime Value, and transform Financial Services for the greater good.
Sam Seaton
Chief Executive Officer Moneyhub EnterpriseSam is an internationally-recognised fintech pioneer, a thought leader on diversity and inclusion, and a champion of financial wellness.
She is the CEO of Moneyhub, the award-winning Open Banking, Open Finance, and Open Data platform that transforms data into personalised digital experiences and initiates payments. She joined Moneyhub following a distinguished career at Willis Towers Watson and at fintech eValue.
Sam is passionate about the power of technology to improve financial wellbeing for all. She is a non-executive director at the Charities Aid Foundation Bank, a founding member of Open51, a group transforming financial services and building the new digital economy, and an advisory board member at impact investment platform The Big Exchange. She also serves on several industry panels.
Sam is an avid horse rider and regular eventer, and treasures time with her husband and horses.
Rūta Merkevičiūtė
Head of Digital Finance Unit EBARūta is a Head of Division for E-money and Payment institution supervision at Bank of Lithuania, responsible for supervising over 100 E-money and Payment institutions. She has professional legal qualifications as an attorney-at law and for the past 10 years has been working both in private sector and financial sector’s supervision in the AML, payments, open-banking, lending, crowdfunding, investment services and transposition of EU Directives such as PAD, PSD2 and AMLD4. Previously, she took part in developing the regulatory framework for the fintech industry in Lithuania as a member of inter-institutional working group for the Action Plan on FinTech industry. She also managed the ‘newcomer programme’ for consultations with potential and already licensed entities and led the Regulatory Sandbox in the Bank of Lithuania allowing entities to test financial innovations in a live environment under the guidance and supervision of the Bank of Lithuania.
TRANSITION
CBDC – Taking stock of the latest developments in digital currencies
Did geopolitical events this year spur the development and design of digital currencies? Exploring the latest developments; updates from Project Dunbar; any new pilots? cross-border payments etc.
Teunis Brosens
Head Economist for Digital Finance and Regulation ING DMI Digital ForumTeunis Brosens is ING’s Head Economist for Digital Finance and Regulation. As an economist with affinity for IT and digital topics, he followed digital currencies at early stages. He is an experienced speaker and known for explaining difficult financial-economic topics and their relevance in an accessible and entertaining way. More generally, Teunis researches the impact of digital finance and innovation trends (such as the increasing importance of data, platforms, digital currencies, blockchain and others) on banks and the broader economy. He likes to view these developments through an economist’s lens, assessing impacts via credit, money, balance sheets and regulation. Teunis also translates these trends into priorities for ING to discuss with policymakers, regulators and supervisors.
Before joining ING, Teunis worked with the Dutch Authority for the Financial Markets (AFM) and the Dutch Central Bank (DNB). Teunis holds MA degrees in both Economics and Philosophy of Science from Tilburg University, the Netherlands.
Xiaochen Zhang
Principal Manager AWSXiaochen is a Principal Manager with AWS. In this role, he brings digital solutions to public sector financial and multilateral institution customers and help them to achieve their missions of sustainable development and economic inclusion across Canada, Latin America, and the Caribbean. His key areas of focus include central bank digital currency, digital asset, green finance and ESG Investing. Prior to AWS, Xiaochen worked with many portfolio companies in launching new offers, entering into new markets and building transformative collaborative initiatives on central bank digital currencies, sustainable development and blockchain. Xiaochen built strong collaborations with government agencies, multinational organizations, and financial institutions through work with the World Bank, United Nations, Inter-America Development Bank, Astana International Finance Center, FinTech4Good and many other international platforms in the past 20 years.
Lana Tahirly Abdullayeva
Founding Director Chez FinTechThree decades in Tech & Fin internationally, across developed and fast-growing economies, creating portfolios of digital ventures to deliver impact – launching, investing and growing successful businesses and well-recognised brands.
Scientist by education, strategist by experience and visionary by heart, she has been instrumental in working with the market leaders and economic regulators, driving transformational changes towards the digital economy globally.
A seasoned executive, NED, Investor and Advisor, Lana brings a strong vantage point on how businesses evolve in the digital age. She advocates reshaping economics and governance over the traditional models to drive growth.
GREEN FINTECH: Helping customers become conscious consumers
Is the fintech sector the last to jump on the ESG wagon?
Alexander Stevens
Chief Executive Officer GreenomyAlexander Stevens, is the CEO of Greenomy, a Brussels-based regtech providing sustainability reporting software, focusing on the EU Taxonomy, CSRD and SFDR. Alexander graduated in law and finance from the University of Brussels, Oxford University and Harvard Law School. A New York Bar attorney, he previously worked at Cravath Swaine & Moore LLP, and within the Digital Finance and Sustainable Finance unit of DG FISMA, European Commission.
Emma Kisby
Chief Executive Officer Cogo
REFRESHMENTS & NETWORKING
POWERHOUSE PANEL DEBATE – The future of API standards
Buy or build: exploring what unified standards NextGenPSD2 will look like and mean for the region; optimisation of API solutions/ecosystem, including security, integration, management and governance, and speed of access.
Arturo Gonzales Mac Dowell
Co-chairing SPAA with Christian Schaefer; European Retail Payments Board; European Payments Council Board Member TinkArturo is the CEO of Eurobits Technologies, a Tink company. His career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Eurobits has been offering services now classified as Account Information Service in Europe since 2004 to some of the top Eurozone and LATAM top banks, making Eurobits the pioneer in this market. Arturo launched Eurobits, went through an MBO and ultimately sold the company to Tink during 2020. Eurobits is a signatory to the Future of European Fintech which has campaigned for fair access under PSD2. Arturo is the Vice-Chairman of the European Third Party Providers Association and represents the ETPPA at the ERPB and the EPC. He is also the vice-chair of the Spanish Fintech Association (AEFI).
Javier Orejas Saldaña
Head, Banking Services EMEA & the Americas, Global Delivery Centre International Air Transport Association (IATA)Javier is the Global Head of Banking and IATA Pay at IATA (International Air Transport Association). He holds a Master’s degree in Law and business administration from the Complutense University of Madrid. A Pre-Doctorate in Law, MBA from ICAI/ICADE and a Master’s degree in finance and banking direction among others. In his current role is responsible for designing and leading new cash management and payments solutions which support airlines’ financial health and enables IATA to make its financial services cheaper, faster and safer. Prior to IATA, Javier held various positions at Accenture in the area of strategic banking consulting.
Joris Hensen
Initiator and Co-Lead Deutsche Bank API Program Deutsche BankJoris Hensen is responsible for the development of the Deutsche Bank API program, which he co- founded at the beginning of 2015. In his more than ten years at Deutsche Bank, he has worked in various international projects as a project and innovation manager.
Joris Hensen became enthusiastic about innovations and future trends at a very early stage and in 2012 he was given the opportunity to set up a corporate foresight program in which future scenarios and innovation strategies for Deutsche Bank were developed. From 2014 on, as part of this, he was also a guest lecturer at the Zeppelin University in Friedrichshafen on the topics of foresight, innovation and design.
What once began as a foresight scenario was officially launched in November 2017 as a developer portal, which offers external partners the opportunity to connect personalized apps and services via the API of Deutsche Bank (dbAPI), thus opening up new areas of value creation for Deutsche Bank.
Joris Hensen understands himself as an intrapreneur and is dedicated about future trends and how they can change and improve people’s lives.
Follow him at @joris_hensen on Twitter.
Katharina Berner
Product Owner API Strategy, Open Banking & Digital Ecosystems CommerzbankSince 2020 Katharina is a Product Owner in the API Banking unit of Commerzbank AG and responsible for Open Banking, API Strategy & Governance. She supports with her team various stakeholders within the organization in building new, API-based use cases and promotes collaboration with external partners.
CLOSING KEYNOTE – Open Finance, predictions and trends to watch
Patrick De Neef
Chief Innovation Officer De Nederlandsche BankAs Chief Innovation Officer, Patrick de Neef is responsible for the digital transformation of DNB’s supervisory divisions. This transformation requires innovation in terms of resources, attitudes and mindsets. From new data architecture to the straight through processing of all supervisory processes and, ultimately, the digital competences needed to derive maximum benefit from them. Patrick is also responsible for DNB’s digital platform that enables cooperation with the sector: the iForum. DNB’s overall digital innovation agenda, which includes central bank tasks and resolution, is driven by the DNB Digital Agenda Board, which Patrick chairs.
After starting his career at one of the major Dutch banks, Patrick made the switch to DNB in 2007, dealing in particular with banking supervision. He then moved into digitalisation, with a specific focus on European banking supervision under the ECB’s Single Supervisory Mechanism (SSM) and the European Banking Authority (EBA).
