Deutsche Bank
Michał Kowalczuk
Manager Economic Analysis Team, EY
12th Annual QED Conference on the Future of EU Payments
Agenda
- 13.30-14.30
Registration and welcome coffee
- 14.30-14.40
Presentation – Socioeconomic Impact of Electronic Payments
Sponsored by
- 14.40-16.00
Panel 1 – Digitalization of EU payments
Juliette Beaulaton
Policy Director, Ecommerce Europe
Jakub Górka
Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School)
Sebastien Albert
Senior Vice President, Strategy & Business Excellence Europe, Mastercard
Christophe Bonte
Senior Policy Adviser, Payments & Innovation, European Banking Federation
- 16.00-16.15
Coffee break
- 16.15-17.35
Panel 2 – Regulating EU payments
Mariana Santos
Policy Officer, Retail Financial Services, European Commission
Marta Testagrossa
Head of Payments Policy, Payments Europe
Anna Martin
Head of Financial Services, BEUC
Hendrik Frank
Director-European Government Affairs American Express
- Moderator
Jacki Davis
Managing Director, Meade Davis Communications
- 17.35-18.30
Networking drinks
Discussion Points
Presentation – Socioeconomic Impact of Electronic Payments
Michał Kowalczuk, Manager Economic Analysis Team, EY Sponsored by
Panel 1 – Digitalization of EU payments
- In what ways is the digitalization of payments reshaping the European payments ecosystem?
- Do regulatory changes serve as a driver or an obstacle to the ongoing digital transformation of payments?
- What role will cryptocurrencies and Central Bank Digital Currencies (CBDCs) play in the evolution of payments? What’s next for the Digital Euro?
- How is the FinTech sector reshaping the payment industry, and what are its key contributions?
- How transformative is AI in driving innovation within the payments sector?
- Can we strike a sustainable balance between security, privacy, and convenience in digital payment solutions?
- What opportunities and challenges arise from data sharing and open finance in the context of digital payments?
Panel 2 – Regulating EU payments
- How has the regulatory framework influenced the development of the payments sector, and what regulatory trends are expected to emerge in the future?
- What should be the primary focus and key objectives for the current legislative term in the payments space?
- Is it possible for regulatory frameworks to simultaneously ensure fair competition while fostering innovation in the payments industry? What are the mechanisms and challenges involved?
- How can the EU ensure regulatory consistency across member states while allowing for flexibility in adapting to rapidly evolving payment technologies?
- Where do we currently stand with the implementation of Euro instant payments, what is the experience so far?
- What is the current status of PSD3/PSR, and what are the next steps in its development?
- How might ongoing geopolitical tensions impact the payments sector? Will it prompt the EU to place greater emphasis on strategic autonomy?
Speakers
Juliette Beaulaton
Policy Director, Ecommerce Europe
Juliette Beaulaton is Policy Director for Ecommerce Europe. She joined Ecommerce Europe in October 2017, and leads the work of the Payments Working Committee and the Sustainability Working Committee of the association. As a representative of the digital commerce sector, her work entails advocating for the best regulatory framework possible for retailers. In the field of payments, this includes the regulation of payment services, instant payment, costs of payments, authentication, and identification (European Digital Identity), consumer credits, and so on. Before joining Ecommerce Europe, Juliette studied political science and European politics in France before starting her career in European public affairs consultancies working on digital and sustainability policy.
Jakub Górka
Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School)
Jakub Górka, Ph.D. is an Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School). Since 2012 he has served as an expert in the Payment Systems Market Expert Group (PSMEG) at the European Commission (DG FISMA). He is the author of numerous books and papers and acts as an advisor and consultant to both public institutions and private-sector organisations in the finance industry. His research interests include FinTech, money and (instant) payments, areas in which he is a passionate advocate and thought leader.
Sebastien Albert
Senior Vice President, Strategy & Business Excellence Europe, Mastercard
Based in Waterloo, Sébastien Albert leads Mastercard Europe’s Strategy and Business Excellence team. With his team, he supports Europe by helping define the regional strategy, empowering teams with data (especially sales) & ensuring appropriate value exchange across the 4-party model. His scope includes Customer Economics, Strategy, Industry Engagement, Analytics & Business Insights & Sales Excellence. Sébastien previously worked in Finance and Strategy roles at Mastercard and also gained extensive experience advising Payment and Fintech companies on their most strategic priorities at the Boston Consulting Group. Sébastien graduated magna cum laude as a business engineer from the Solvay Business School. He is still involved in the school as teaching assistant for a strategy seminar.
Christophe Bonte
Senior Policy Adviser, Payments & Innovation, European Banking Federation
Christophe Bonte is Senior Policy Adviser for Payments and Innovation at the European Banking Federation (EBF). He notably represents the EBF in various payments experts’ groups at the ECB, European Commission and EPC. Prior to this, he worked 10 years for the Swiss Finance Council (SFC) representing the interests of globally active Swiss banks at EU level. Before joining the SFC, he led the work on financial markets and post-trade at the EBF which he represented in the ECB T2S Advisory Group and COGESI. He gained experience in banking from his years in the global custody business at the Bank of New York Mellon. Prior to this, he lectured Swiss civil servants on European Affairs at the Swiss Institute for Public Administration. He holds a PhD in political science from the University of Geneva and regularly makes presentations to university students on business advocacy in EU financial services legislation.
Mariana Santos
Policy Officer, Retail Financial Services, European Commission
Mariana Santos, Policy Officer, Retail Payment Services, DG Financial Stability, Financial Services and Capital Markets Union, European Commission Mariana Santos is a policy officer in the Retail Financial Services unit at the Directorate-General for Financial Stability, Financial Services and Capital Markets Union of the European Commission. Over the last two and half years, she has worked on the review of the second Directive on Payment Services in the internal market (PSD2), with a particular focus on fraud prevention. Mariana holds a PhD in Financial Geography from Durham University, UK, and before joining the European Commission worked as an academic researcher at the Vrije Universiteit Brussel.
Marta Testagrossa
Head of Payments Policy, 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.
Anna Martin
Head of Financial Services, BEUC
Anna Martin is the head of Financial Services at BEUC, the European Consumer Organisation. She is in charge of retail banking, working among other files on the review of the Payment Service Directive 2, Instant Payments and the digital euro. Before joining BEUC, she worked for the German Foreign Office in the team coordinating the German EU Council Presidency. Anna holds a Master in European Affairs from the College of Europe, Sciences Po Lille and the University of Münster.
Sponsors
Delegate list
Adelina Ferrara
Agori Michopoulou
Afore Consulting
Alaa Khalaily
American Express
Alessandra Chiarini
European Banking Federation
Alessandro Ractliffe
Rud Pedersen Public Affairs
Alex Tompkins
VISA
Alexandra Cojocaru
Permanent Representation of Romania in the EU
Alexandra Majer
Austrian National Bank
Alexandre Israel
European Parliament
Andras Janecsko
European Commission
Andrea De Matteis
De Matteis Law
Andriana Founta
European Commission
Anna Graneli
National Board of Trade Sweden
Anna Martin
Antoine Garnier
French Banking Federation
Astrid Hélin
Austrian Economic Chamber
Atze Faas
EuroCommerce
Aurélie Decker Peigneur
Fleet Cards Europe
Beata Filochowska
Deloitte
Beata Świecka
University of Szczecin
Beatrice Marinoiu
London Stock Exchange Group
Beth Duff
European Parliament
Charles Low
ACCIS
Chiara Baruta
European Association of Corporate Treasurers
Chiara Notarangelo
European Central Bank
Christoph Baert
Management Centre Europe
Christophe Bonte
Clelia Felix
Linklaters
Clémentine Gallot
Kreab
Daniel Hochner
Hochner
Dano Tockner
Austrian National Bank
Dave Remue
KPMG
Delphine Chilese-Lemarinier
Edenred
Diana Ardelean
Financial Supervisory Authority
Dina Filipovic
Austrian Savings Banks Association
Douglas Lockhart
WSBI-ESBG
Elie Beyrouthy
Elizabeth Fraser
Citi
Emoke Peter
Worldline
Filippo Annunziata
Bocconi University
Fiona Wright
Flint Global
Francesco Carrara
Global Counsel
George Anastopoulos
Flint Global
Gonçalo Loureiro
Apple
Guillaume Lenglet
FleishmanHillard
Hendrik Frank
American Express
Hugo Briet
PayPal
Ieva Navickaite
Kreab
Isil Degerli
Permanent Delegation of Turkiye to the EU
Jacki Davis
Jakub Górka
Janne Lipponen
Permanent Representation of Finland in the EU
Jean-Philippe Joliveau
Nexi
Jimmy Caceres
Mastercard
Jules Landrieu
Global Counsel
Julia Meyer
DGA Group
Juliette Beaulaton
Kerry O’Donoghue
Channel Islands Brussels Office
Lara Regazzo
Amazon
Laura Martins
APCO
Leonardo Azevedo Mitchell Da Silva
Teya
Lia Mota
Afore Consulting
Linda Strazdina
Wise
Lorenza Romanese
European Industrial Hemp Association
Luca Giusti
MUFG
Luca Iampietro
Lombardy Region
Marco Verzellino
Lombardy Region
Marco Weissler
European Central Bank
Mariana Santos
Marijke De Soete
Security4Biz
Marisol Cuba
Worldline
Marta Testagrossa
Martina Schusterova
Energy Traders Europe
Mathilde Bonneau
PayPal
Maxence Favaletto
FTI Consulting
Michael Cloots
KBC Group
Michał Kowalczuk
Micol Ambroso
Global Counsel
Miguel Lopez
Linklaters
Monica Solano
European Industrial Hemp Associatoin
Monika Marcinkowska
University of Lodz
Natalie Pettinger Kearney
Freshfields
Nilixa Devlukia
Open Finance Association
Pascale-Marie Brien
Fidelis Consulting
Paulo Barbosa
Banfico
Peter Gomber
Goethe University Frankfurt
Phathisani Khumalo
FirstPartner
Philipp Brüchert
Mastercard
Pierluigi Cuccuru
De Matteis Law
Richard Funke
Association of German Public Banks
Robrecht Vandormael
FTI Consulting
Roland Tassler
Austrian Savings Banks Association
Sebastien Albert
Sigrid Hansen
EY
Simone Giordano
De Matteis Law
Sjoerd Breukelaar
Radboud University
Sowmya TD
Goldman Sachs
Stelios Georgakis
Central Bank of Cyprus
Sylwia Spahr
German Insurance Association
Thomas Brunello
Kreab
Tim Stuart
EMVCo
Tom Burton
GoCardless
Valeria Cusseddu
European Parliament
Vanessa Marquette
Loyens & Loeff
Víctor Escudero
Redsys
Vincenzo Polverino
Hanbury Strategy
Zlatimira Colova
European Parliament
Agenda
- 13.30-14.30
Registration and welcome coffee
- 14.30-14.40
Presentation – Socioeconomic Impact of Electronic Payments
Michał Kowalczuk
Manager Economic Analysis Team, EY
Sponsored by
- 14.40-16.00
Panel 1 – Digitalization of EU payments
Juliette Beaulaton
Policy Director, Ecommerce Europe
Jakub Górka
Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School)
Sebastien Albert
Senior Vice President, Strategy & Business Excellence Europe, Mastercard
Christophe Bonte
Senior Policy Adviser, Payments & Innovation, European Banking Federation
- 16.00-16.15
Coffee break
- 16.15-17.35
Panel 2 – Regulating EU payments
Mariana Santos
Policy Officer, Retail Financial Services, European Commission
Marta Testagrossa
Head of Payments Policy, Payments Europe
Anna Martin
Head of Financial Services, BEUC
Hendrik Frank
Director-European Government Affairs American Express
- Moderator
Jacki Davis
Managing Director, Meade Davis Communications
- 17.35-18.30
Networking drinks
Discussion Points
Presentation – Socioeconomic Impact of Electronic Payments
Michał Kowalczuk, Manager Economic Analysis Team, EY Sponsored by
Panel 1 – Digitalization of EU payments
- In what ways is the digitalization of payments reshaping the European payments ecosystem?
- Do regulatory changes serve as a driver or an obstacle to the ongoing digital transformation of payments?
- What role will cryptocurrencies and Central Bank Digital Currencies (CBDCs) play in the evolution of payments? What’s next for the Digital Euro?
- How is the FinTech sector reshaping the payment industry, and what are its key contributions?
- How transformative is AI in driving innovation within the payments sector?
- Can we strike a sustainable balance between security, privacy, and convenience in digital payment solutions?
- What opportunities and challenges arise from data sharing and open finance in the context of digital payments?
Panel 2 – Regulating EU payments
- How has the regulatory framework influenced the development of the payments sector, and what regulatory trends are expected to emerge in the future?
- What should be the primary focus and key objectives for the current legislative term in the payments space?
- Is it possible for regulatory frameworks to simultaneously ensure fair competition while fostering innovation in the payments industry? What are the mechanisms and challenges involved?
- How can the EU ensure regulatory consistency across member states while allowing for flexibility in adapting to rapidly evolving payment technologies?
- Where do we currently stand with the implementation of Euro instant payments, what is the experience so far?
- What is the current status of PSD3/PSR, and what are the next steps in its development?
- How might ongoing geopolitical tensions impact the payments sector? Will it prompt the EU to place greater emphasis on strategic autonomy?
Speakers
Juliette Beaulaton
Policy Director, Ecommerce Europe
Juliette Beaulaton is Policy Director for Ecommerce Europe. She joined Ecommerce Europe in October 2017, and leads the work of the Payments Working Committee and the Sustainability Working Committee of the association. As a representative of the digital commerce sector, her work entails advocating for the best regulatory framework possible for retailers. In the field of payments, this includes the regulation of payment services, instant payment, costs of payments, authentication, and identification (European Digital Identity), consumer credits, and so on. Before joining Ecommerce Europe, Juliette studied political science and European politics in France before starting her career in European public affairs consultancies working on digital and sustainability policy.
Jakub Górka
Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School)
Jakub Górka, Ph.D. is an Associate Professor of Finance and Head of the Digital Finance Unit at the Faculty of Management, University of Warsaw (University Business School). Since 2012 he has served as an expert in the Payment Systems Market Expert Group (PSMEG) at the European Commission (DG FISMA). He is the author of numerous books and papers and acts as an advisor and consultant to both public institutions and private-sector organisations in the finance industry. His research interests include FinTech, money and (instant) payments, areas in which he is a passionate advocate and thought leader.
Sebastien Albert
Senior Vice President, Strategy & Business Excellence Europe, Mastercard
Based in Waterloo, Sébastien Albert leads Mastercard Europe’s Strategy and Business Excellence team. With his team, he supports Europe by helping define the regional strategy, empowering teams with data (especially sales) & ensuring appropriate value exchange across the 4-party model. His scope includes Customer Economics, Strategy, Industry Engagement, Analytics & Business Insights & Sales Excellence. Sébastien previously worked in Finance and Strategy roles at Mastercard and also gained extensive experience advising Payment and Fintech companies on their most strategic priorities at the Boston Consulting Group. Sébastien graduated magna cum laude as a business engineer from the Solvay Business School. He is still involved in the school as teaching assistant for a strategy seminar.
Christophe Bonte
Senior Policy Adviser, Payments & Innovation, European Banking Federation
Christophe Bonte is Senior Policy Adviser for Payments and Innovation at the European Banking Federation (EBF). He notably represents the EBF in various payments experts’ groups at the ECB, European Commission and EPC. Prior to this, he worked 10 years for the Swiss Finance Council (SFC) representing the interests of globally active Swiss banks at EU level. Before joining the SFC, he led the work on financial markets and post-trade at the EBF which he represented in the ECB T2S Advisory Group and COGESI. He gained experience in banking from his years in the global custody business at the Bank of New York Mellon. Prior to this, he lectured Swiss civil servants on European Affairs at the Swiss Institute for Public Administration. He holds a PhD in political science from the University of Geneva and regularly makes presentations to university students on business advocacy in EU financial services legislation.
Mariana Santos
Policy Officer, Retail Financial Services, European Commission
Mariana Santos, Policy Officer, Retail Payment Services, DG Financial Stability, Financial Services and Capital Markets Union, European Commission Mariana Santos is a policy officer in the Retail Financial Services unit at the Directorate-General for Financial Stability, Financial Services and Capital Markets Union of the European Commission. Over the last two and half years, she has worked on the review of the second Directive on Payment Services in the internal market (PSD2), with a particular focus on fraud prevention. Mariana holds a PhD in Financial Geography from Durham University, UK, and before joining the European Commission worked as an academic researcher at the Vrije Universiteit Brussel.
Marta Testagrossa
Head of Payments Policy, 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.
Anna Martin
Head of Financial Services, BEUC
Anna Martin is the head of Financial Services at BEUC, the European Consumer Organisation. She is in charge of retail banking, working among other files on the review of the Payment Service Directive 2, Instant Payments and the digital euro. Before joining BEUC, she worked for the German Foreign Office in the team coordinating the German EU Council Presidency. Anna holds a Master in European Affairs from the College of Europe, Sciences Po Lille and the University of Münster.
Sponsors
Delegate list
Adelina Ferrara
Deutsche Bank
Agori Michopoulou
Afore Consulting
Alaa Khalaily
American Express
Alessandra Chiarini
European Banking Federation
Alessandro Ractliffe
Rud Pedersen Public Affairs
Alex Tompkins
VISA
Alexandra Cojocaru
Permanent Representation of Romania in the EU
Alexandra Majer
Austrian National Bank
Alexandre Israel
European Parliament
Andras Janecsko
European Commission
Andrea De Matteis
De Matteis Law
Andriana Founta
European Commission
Anna Graneli
National Board of Trade Sweden
Anna Martin
Antoine Garnier
French Banking Federation
Astrid Hélin
Austrian Economic Chamber
Atze Faas
EuroCommerce
Aurélie Decker Peigneur
Fleet Cards Europe
Beata Filochowska
Deloitte
Beata Świecka
University of Szczecin
Beatrice Marinoiu
London Stock Exchange Group
Beth Duff
European Parliament
Charles Low
ACCIS
Chiara Baruta
European Association of Corporate Treasurers
Chiara Notarangelo
European Central Bank
Christoph Baert
Management Centre Europe
Christophe Bonte
Clelia Felix
Linklaters
Clémentine Gallot
Kreab
Daniel Hochner
Hochner
Dano Tockner
Austrian National Bank
Dave Remue
KPMG
Delphine Chilese-Lemarinier
Edenred
Diana Ardelean
Financial Supervisory Authority
Dina Filipovic
Austrian Savings Banks Association
Douglas Lockhart
WSBI-ESBG
Elie Beyrouthy
Elizabeth Fraser
Citi
Emoke Peter
Worldline
Filippo Annunziata
Bocconi University
Fiona Wright
Flint Global
Francesco Carrara
Global Counsel
George Anastopoulos
Flint Global
Gonçalo Loureiro
Apple
Guillaume Lenglet
FleishmanHillard
Hendrik Frank
American Express
Hugo Briet
PayPal
Ieva Navickaite
Kreab
Isil Degerli
Permanent Delegation of Turkiye to the EU
Jacki Davis
Jakub Górka
Janne Lipponen
Permanent Representation of Finland in the EU
Jean-Philippe Joliveau
Nexi
Jimmy Caceres
Mastercard
Jules Landrieu
Global Counsel
Julia Meyer
DGA Group
Juliette Beaulaton
Kerry O’Donoghue
Channel Islands Brussels Office
Lara Regazzo
Amazon
Laura Martins
APCO
Leonardo Azevedo Mitchell Da Silva
Teya
Lia Mota
Afore Consulting
Linda Strazdina
Wise
Lorenza Romanese
European Industrial Hemp Association
Luca Giusti
MUFG
Luca Iampietro
Lombardy Region
Marco Verzellino
Lombardy Region
Marco Weissler
European Central Bank
Mariana Santos
Marijke De Soete
Security4Biz
Marisol Cuba
Worldline
Marta Testagrossa
Martina Schusterova
Energy Traders Europe
Mathilde Bonneau
PayPal
Maxence Favaletto
FTI Consulting
Michael Cloots
KBC Group
Michał Kowalczuk
Micol Ambroso
Global Counsel
Miguel Lopez
Linklaters
Monica Solano
European Industrial Hemp Associatoin
Monika Marcinkowska
University of Lodz
Natalie Pettinger Kearney
Freshfields
Nilixa Devlukia
Open Finance Association
Pascale-Marie Brien
Fidelis Consulting
Paulo Barbosa
Banfico
Peter Gomber
Goethe University Frankfurt
Phathisani Khumalo
FirstPartner
Philipp Brüchert
Mastercard
Pierluigi Cuccuru
De Matteis Law
Richard Funke
Association of German Public Banks
Robrecht Vandormael
FTI Consulting
Roland Tassler
Austrian Savings Banks Association
Sebastien Albert
Sigrid Hansen
EY
Simone Giordano
De Matteis Law
Sjoerd Breukelaar
Radboud University
Sowmya TD
Goldman Sachs
Stelios Georgakis
Central Bank of Cyprus
Sylwia Spahr
German Insurance Association
Thomas Brunello
Kreab
Tim Stuart
EMVCo
Tom Burton
GoCardless
Valeria Cusseddu
European Parliament
Vanessa Marquette
Loyens & Loeff
Víctor Escudero
Redsys
Vincenzo Polverino
Hanbury Strategy
Zlatimira Colova
European Parliament
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