Agenda
Europe is a highly developed and advanced payments ecosystem that is at the forefront of technological advancements enabled by robust regulatory frameworks. The PSD2 and SEPA have together created a flourishing system where banks, processors and fintechs can innovate and develop products in a single unified market. Recent initiatives such as request-to-pay, instant payments, secure customer authentication and open finance continue to advance the consumer and business payment markets and foster competition. As euro economic area economies recover from the pandemic, banks and payment providers are in prime position to develop new products as markets rebound. Beyond Europe, in the wider EMEA region, markets are complex yet there is great opportunity for growth. In this conference, commercial card and business payments professionals gather for the first time since the pandemic to energise the opportunity that is Europe.
Welcome
The revival of the European economy and the outlook for corporate card markets
Europe has already reached pre-pandemic output and is set to grow by 4.4 percent in 2022 according to IMF and EU forecasts and indicators. Given the positive economic outlook, it would appear corporate card markets are set for revival in key sectors. Yet T&E recovery will remain subdued, due to the ongoing unpredictability of the pandemic and the current conflict in the Ukraine. Whilst interest rates are predicted to rise in areas of Europe, the European Central Bank is reigning in its asset purchase program and scaling back monetary policy to support fiscal expansion. As the pandemic recedes, and normalcy returns to markets, there is an opportunity to reinvigorate corporate card programs in Europe as offices reopen in 2022. In this session, the panel will discuss how the economic recovery will rekindle commercial card programmes, and if it will be business as usual or a different market shaping corporate spending in 2022 and beyond.
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Brian Tomkins
Global head of commercial cards, HSBC
Brian Tomkins
Global head of commercial cards, HSBC
March 29th 2022 -
Brooke Di Natale
Head of large market commercial products, Europe, commercial Europe, Mastercard
Brooke Di Natale
Head of large market commercial products, Europe, commercial Europe, Mastercard
March 29th 2022Brooke DiNatale leads the European Large Market Commercial Products team for Mastercard, based in London. Her team is responsible for the development, launch and management of T&E and B2B Commercial Payment solutions in Europe. Prior to joining Mastercard, Brooke spent 10 years at American Express in London and NYC. Most recently she led the development and management of international loyalty solutions for Corporate Products, primarily focused on creating and launching a company-level loyalty program for the Middle Market space in 11 countries. Brooke also held roles in global business transformation, pursuing M&A opportunities and global business development, and creating partnerships with banks and travel agencies. She was previously director of finance for a satellite media company and spent several years as an investment banker.
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Stefan Waelde
Head of B2B Payments, Airplus
Stefan Waelde
Head of B2B Payments, Airplus
March 29th 2022Stefan Waelde is Head of B2B Payments at AirPlus International in charge of B2B payment solutions and its commercial development. He started at AirPlus in 2000 as business development manager for online solutions and soon after managed a project for financial supply chain management and e-invoicing. He then worked as program director for the implementation of a payment processing platform and as director of products & innovations.
He was involved in various strategic projects on regulation and product development. Prior to joining AirPlus, he worked as a consultant in the IT industry and as a research assistant.
Moderator
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
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09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Americas, Asia, Europe and Middle East markets.
Greg has worked in EDC London’s, Sydney’s and Paris’ offices and gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments.
Greg leads EDC’s B2B Payments Practice working with the whole value chain, including schemes, financial institutions, Procure to Pay providers and corporates. Greg is a regular conference speaker and chairman at events focused on payments and cards business such as Commercial Payments International, Merchants Risk Council and Trustech.
Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.
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Regulation roundup: what’s next from Brussels and beyond
Payments regulation in Europe is constantly evolving with a series of papers and consultations ongoing at EU level that will impact the B2B corporate payments markets and commercial card development. Whilst much of the payments industry is still absorbing PSD2, the commission is consulting on PSD3, which will look at further reforms and improvements to current regulations. There are also regulatory initiatives on instant payments, open finance and data sharing and protection, as well as the cross border payment network initiative (EPI). There is also a potential review of interchange regulation. The raft of regulations does signal a yet greater compliance burden, with the ‘too big to fail, too small to comply’, a challenge for many domestic banks in Europe. In this session we run through the regulation on the horizon in the EU, look at divergence outside the EU, and assess the implications for the development of payments and card products in the region.
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Monica Monaco
Founder and Managing Director, Trust EU Affairs
Monica Monaco
Founder and Managing Director, Trust EU Affairs
March 29th 2022-
10:00am -10:45amRegulation roundup: what’s next from Brussels and beyond
Based in Brussels for the past 19 years, Monica Monaco is the founder and managing director of TrustEuAffairs. TrustEuAffairs advises its clients on Eu legislative relevant initiatives. Monica is a member of the Society of European Affairs Professionals (SEAP) since 2004, and served as a member of the SEAP Board from May 2012 to May 2015.
Furthermore, Monica is Member of the Europol Virtual Currencies Taskforce and has served two mandates as Member of the European Commission Payment Systems Market Expert Group (PSMEG).
Monica’s areas of focus are financial services, payment systems and technology, new payments means such as mobile and crypto, as well as e-commerce. Monica has been Senior Manager for EU Relations and Regulatory Affairs in the Legal Department of Visa Europe for more than ten years, being responsible for the relations with the European Commission, the European Parliament and the European Council Working Group on Financial Services, as well as with various national regulators.
Before joining Visa Europe she has been working as a Consultant for both Andersen, Deloitte & Touche and the OECD in Paris, dealing with a variety of financial services matters. She also worked for the Council of Europe in Strasbourg, in the Committee on Parliamentary and Public Relations. Monica holds a Master’s Degree in Economics, European Law oriented, from L.U.I.S.S.- Guido Carli University in Rome, Italy -
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Nickolas Reinhardt
Co-founder and Director, Afore Consulting
Nickolas Reinhardt
Co-founder and Director, Afore Consulting
March 29th 2022-
10:00am -10:45amRegulation roundup: what’s next from Brussels and beyond
Nickolas co-founded Afore Consulting in 2007. His career of over 25 years has been in European public affairs consulting, focused on working with the financial services sector. He has come to be regarded as one of the most influential financial services consultants in Brussels having built up extensive networks through working on key financial services files and the revisions to them. He trained and worked as a merchant banker in Hamburg.
Nickolas has an MA in History and Politics from the Christian-Albrechts University, Kiel and has also studied and lectured at the University of Limerick and Queens University, Belfast. He speaks German, English and French.
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Max Savoie
Partner, Sidley Austin LLP
Max Savoie
Partner, Sidley Austin LLP
March 29th 2022-
10:00am -10:45amRegulation roundup: what’s next from Brussels and beyond
Max is a partner in Sidley Austin’s Banking and Financial Services practice in London. He has over twelve years of experience advising firms across the payments sector on EU and UK regulatory issues, including licensing, conduct of business, interchange, data security, outsourcing, governance and AML. Max’s clients include issuers, acquirers, processors, payment systems, and money transmitters, as well as crypto asset platforms and other fintech and tech firms that provide or support the provision of payment services. He has experience advising on regulatory issues relating to a number of different industry verticals, including travel & hospitality, fuel and e-commerce. Max has advised on a number of cross-border transactions and strategic regulatory projects for leading international financial institutions. These have included M&A and restructuring transactions, as well as new products and partnerships. Max also advises on contentious and regulatory engagement matters for financial sector clients, and has worked with several international firms and trade associations in discussions with EU and UK policy makers and regulators.
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Patrick W. Diemer
Chairman, European Business Travel Association and Senior Advisor, Arthur D. Little
Patrick W. Diemer
Chairman, European Business Travel Association and Senior Advisor, Arthur D. Little
March 29th 2022-
10:00am -10:45amRegulation roundup: what’s next from Brussels and beyond
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03:30pm -4:00pmTravel in a time of pandemic and war
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Break
B2B payments: charting exponential growth
The exponential growth in B2B payments during the pandemic period is a new chapter in the story in the development of commercial card programs, and all indicators are that the sector will continue to grow, and the trend is set to continue as hybrid and remote working becomes more of a regular feature in working life. The development of B2B marketplaces and the growth of suppliers in this space has accelerated B2B payments as the leading use case for commercial payments, and a sector that is seeing increased innovation and competition. In this session card product experts and payment professionals look at the development of the B2B sector and predict the development of products and payments technologies that continue to serve its growth.
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
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09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Americas, Asia, Europe and Middle East markets.
Greg has worked in EDC London’s, Sydney’s and Paris’ offices and gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments.
Greg leads EDC’s B2B Payments Practice working with the whole value chain, including schemes, financial institutions, Procure to Pay providers and corporates. Greg is a regular conference speaker and chairman at events focused on payments and cards business such as Commercial Payments International, Merchants Risk Council and Trustech.
Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.
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Pranay Ahluwalia
General Manager, Global Business Payment Products, Amazon
Pranay Ahluwalia
General Manager, Global Business Payment Products, Amazon
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
Pranay is a senior payments executive with 15+ years of experience working with financial institutions, providing payments and transaction banking solutions globally. In his current role, Pranay runs the Global Business Payment Products organization for Amazon, which includes working with banks/NBFIs to build/run payment products to delight business customers shopping on Amazon. Previously, he has served as the CFO for Business Payments and Lending for Amazon, and in leadership roles for some of the largest European banks like Barclays and RBS. He holds an MBA from Glasgow University UK, and is a chartered member of the CFA institute, USA.
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Dean M. Leavitt
Founder & CEO, Boost Payment Solutions
Dean M. Leavitt
Founder & CEO, Boost Payment Solutions
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
Dean Leavitt is the founder and CEO of Boost Payment Solutions, the only acquirer in the United States focused exclusively on the business-to-business electronic payments. Dean is a well-respected veteran of the electronic payments industry with nearly 25 years of experience in various leadership roles at both public and private companies. Dean has received numerous awards from his industry peers and is often asked to speak at industry events. Dean currently serves on the advisory board of Commercial Payments International, having previously served two terms on the board of directors of the Electronic Transaction Association. Dean holds a B.A. with high honors from Emory University, where he served on the college’s Alumni Board of Trustees from 2002-2008.
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Chris Holmes
Senior Vice President, KAE Consulting
Chris Holmes
Senior Vice President, KAE Consulting
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
Chris is a Senior Vice President at KAE, a boutique strategic advisory firm. Chris joined KAE in 2007 and during this time, he has managed multiple high profile global projects across the payments space (focusing on various issuing and acquiring topics across both the commercial and consumer payments sectors), banking, FinTech, AltFi and telco industries. He also heads KAE’s FinTech practice.
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T&E: a long road to recovery?
There seems to be a growing consensus backed by a series of forecasts and projections, that T&E is unlikely to recover to pre-pandemic levels before 2025. Some commentators predict that business travel will never return to pre-pandemic levels. Whilst ongoing public health and safety and security concerns make travel challenging, travel is also eroded by the virtual meeting technologies that makes meeting in-person optional, and sustainability issues with companies aiming to reduce carbon emissions, as well as save on transportation costs. Remote working is also likely to continue as cloud technologies to support teams are further developed. The panel will discuss these sets of challenges for T&E recovery in Europe, and debate the ways in which T&E might regain ground, identifying emerging spending trends in different markets and regions in Europe.
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Sergio Ortega
Head of BBVA pivot commercial cards, BBVA
Sergio Ortega
Head of BBVA pivot commercial cards, BBVA
March 29th 2022-
12:00pm -12:45pmT&E: a long road to recovery?
Sergio Ortega is responsible for BBVA Pivot Commercial Cards solution development enabling local, regional and global enterprises to homogeneously manage the expenses made with commercial cards in BBVA footprint (Europe & LAC). Sergio has more than 15 years of experience in Payments Systems, first in BBVA Spain (consumer issuing, acquiring and innovation) and since 2012 in global positions focused on commercial cards. He is leading BBVA Pivot Commercial Card solution business line development from scratch following design thinking & agile methodologies, coordinating cross-functional local, global, business & IT teams. Sergio has a Master Degree in Computer Science from Deusto University (Spain) and Aalborg University (Denmark). He also has an Executive MBA from Esade Business School (Spain).
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Clive Cornelius
Head of travel segment, Visa Business Solutions,
Clive Cornelius
Head of travel segment, Visa Business Solutions,
March 29th 2022-
12:00pm -12:45pmT&E: a long road to recovery?
Clive joined Visa in 2018 to lead the travel segment for Visa business solutions in Europe, owning all travel-related issuer products. He has more than 15 years of experience in the business travel industry. Prior to joining Visa, Clive was Senior Director, Global Card Products for Carlson Wagonlit Travel (CWT) where he was responsible for CWT’s card product portfolio, managing the relationships with the banks and networks that clients use, and delivering card products and services to ensure a smooth payment process for travel booked via CWT. Clive’s experience in travel also includes roles at Travelport and ebookers.
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Reza Satongar
CEO, Dataflexnet
Reza Satongar
CEO, Dataflexnet
March 29th 2022-
12:00pm -12:45pmT&E: a long road to recovery?
Having graduated from Staffordshire University, Reza has over 34 years business experience, moving through manufacturing systems engineering, independent consultancy and software design with AI.
He founded Dataflexnet in 1996 and has vast experience of business strategy, e-commerce and new business development.
Reza has driven the development of Dataflexnet to become a leading technology provider for travel and financial services at the forefront of the development of unique financial and travel technology solutions to streamline every process and reduce costs.
Since its conception Dataflexnet has firmly established itself as a major player in the business travel sector as a FinTech and, over the years, cemented powerful relationships and partnerships with leading global brands such as Egencia/Expedia, MasterCard, DinersClub, Discover Financial Services and Airplus and all major GDSs such as Travelport, Galileo, Sabre and Amadeus.
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Moderator
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Pascal Burg
co-lead Travel Practice, Edgar, Dunn & Company
Pascal Burg
co-lead Travel Practice, Edgar, Dunn & Company
Pascal is a Director at Edgar, Dunn & Company based in the Paris office and co-leads EDC’s Travel Payments Practice globally. He has been with Edgar, Dunn & Company (EDC) since 1999 and has worked in the London, Sydney and San Francisco offices. Pascal has managed a large number of strategic planning, marketing strategy and implementation projects for clients including issuers, acquirers, payment networks and large merchants such as airlines, hotels, rail operators, etc. He received his MBA from Lancaster University in the United Kingdom and his Business Degree from EM Lyon in France.
Lunch
Next gen payment technologies and fintechs in Europe
Financial technology companies in Europe have proliferated in throughout the pandemic period enabled by regulatory drivers such as PSD2 and open banking and API applications and technologies, including account aggregation, cross-border transfers, strong consumer authentication, mobile payments, virtual cards, all of which serve to increase supplier acceptance and offer greater security and visibility of spend. In this session we look at fintech innovation in payments and card markets in Europe, taking in the sweep of big tech, and look at how fintechs are developing relationships, services and products with issuing banks, and corporate clients in Europe.
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Jason Maude
Chief Technology Advocate, Starling Bank
Jason Maude
Chief Technology Advocate, Starling Bank
March 29th 2022-
02:00pm -2:45pmNext gen payment technologies and fintechs in Europe
Jason Maude is a coder, coach, and public speaker. He has over a decade of experience working in the financial sector, primarily in creating and delivering software. He is passionate about explaining complex technical concepts to those who are convinced that they won’t be able to understand them. He currently works at Starling Bank as their Chief Technology Advocate and host of the Starling podcast.
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David Jones
Head of fintech UK & Ireland, Mastercard
David Jones
Head of fintech UK & Ireland, Mastercard
March 29th 2022-
02:00pm -2:45pmNext gen payment technologies and fintechs in Europe
David Jones is Head of Fintech for Mastercard in the UK and Ireland, leading the Fintech account management and business development teams. In this role he works across e-money and payment institutions, fintech start-ups, scale-ups and challenger banks to help them develop innovative payment solutions and bring them to market.
David has over 20 years’ experience in the payments industry in a variety of strategy, customer management, business development and delivery roles. He has worked on many of the key strategic initiatives that have shaped the payments industry over that time, and has an in-depth understanding of card payments.
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Mike Burgess
Payments Innovator, FIS
Mike Burgess
Payments Innovator, FIS
March 29th 2022-
02:00pm -2:45pmNext gen payment technologies and fintechs in Europe
Mike has over 20 years of international payments experience.
From knocking on merchant doors in the pouring rain, to running a full ISO business for a global merchant acquirer.
Joining FIS Global a few years ago, his focus has been to bring the benefits of core banking closer to merchant solutions & explore what is around the corner for payments.
Open Banking, real time payments & other solutions that look at matters from the merchant prospective to help drive down costs, improve cash flow & minimise disputes & chargebacks.
Whether a white labelled product for banks or a direct service to merchants.
“It’s go time for real time”
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Moderator
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Simon Jones
Payments expert and former CCO, Clear Bank
Simon Jones
Payments expert and former CCO, Clear Bank
Simon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. As ClearBank’s Chief Customer Officer, Simon leads the technology platform’s client management, product and marketing functions, ensuring a customer-centric focus is at the heart of ClearBank’s products and services.
Prior to joining ClearBank in 2019, Simon spent over 20 years at JPMorgan. During his time at the bank, he was responsible for treasury solutions in EMEA, supporting clients around the world. He was also Head of Corporate Sales in EMEA from 2012 to 2015 and Asia Regional Executive for Treasury Services from 2006 to 2010, based in Hong Kong.
Simon is actively involved in UK FinTech as a Mentor for TechStars Accelerator programme.
Open Finance, Instant Payments and APIs: the evolution in Europe
As the European Union looks to further develop SCT instant payments, technology companies are developing application programming interfaces (APIs) which enable corporates to make instant transfers to suppliers directly via ERP systems, reducing transaction costs. Whilst these technologies and trends have been in play since before the pandemic, instant payment APIs are now beginning to gain momentum and increasing adoption in European corporate markets. In this session the panel assesses the regulatory initiatives enabling instant payments, the technologies that are emerging that enable companies to develop and enhance their B2B instant payments infrastructure and the market opportunities for cards products.
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Dan Morgan
European Policy Lead, Plaid
Dan Morgan
European Policy Lead, Plaid
March 29th 2022-
02:45pm -3:30pmOpen Finance, Instant Payments and APIs: the evolution in Europe
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Jack Wilson
Head of Public Policy, TrueLayer
Jack Wilson
Head of Public Policy, TrueLayer
March 29th 2022-
02:45pm -3:30pmOpen Finance, Instant Payments and APIs: the evolution in Europe
Jack Wilson is Head of Public Policy at TrueLayer. TrueLayer builds technology that allows third party applications to access their users’ financial data and initiate payments securely. Jack is a former policy adviser at the UK banking regulator, the FCA. There he led work to create the FCA’s approach to regulating firms under the new Payment Services Directive (PSD2). Latterly Jack led the FCA’s team assessing banks’ readiness for open banking, focusing on their open banking interfaces (APIs) and customer journeys.
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Judith Crawford
Policy Director, Electronic Money Association
Judith Crawford
Policy Director, Electronic Money Association
March 29th 2022-
02:45pm -3:30pmOpen Finance, Instant Payments and APIs: the evolution in Europe
Judith runs the Electronic Money Association, which has been serving the e-money industry for over 20 years. The EMA’s goal is to remove barriers to business: to shape legislation to ensure that the UK and EU regulatory framework for EMA members is conducive to growth and innovation, and creates an open competitive marketplace for alternative payment service providers. Over recent years, an increasing number of TPPs have joined the EMA. Through its participation in the UK’s Open Banking Implementation Entity Steering Group (IESG) the EMA has actively sought to create the necessary conditions for the success of open banking in the UK and at EU level.
Judith sat on the PSR’s APP Scam Steering Group, Pay.UK’s Confirmation of Payee Phase 2 Advisory Group, and is currently a member of the UK Finance Programme Steering Group for the UK migration to Strong Customer Authentication (SCA) for e-commerce transactions.
Prior to working for the EMA, she worked in the insurance industry for the Association of British Insurers on UK national and EU policy, and before that, she worked in the European Parliament for an MEP sitting on the Economic and Monetary Affairs Committee.
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Simon Jones
Payments expert and former CCO, Clear Bank
Simon Jones
Payments expert and former CCO, Clear Bank
Simon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. As ClearBank’s Chief Customer Officer, Simon leads the technology platform’s client management, product and marketing functions, ensuring a customer-centric focus is at the heart of ClearBank’s products and services.
Prior to joining ClearBank in 2019, Simon spent over 20 years at JPMorgan. During his time at the bank, he was responsible for treasury solutions in EMEA, supporting clients around the world. He was also Head of Corporate Sales in EMEA from 2012 to 2015 and Asia Regional Executive for Treasury Services from 2006 to 2010, based in Hong Kong.
Simon is actively involved in UK FinTech as a Mentor for TechStars Accelerator programme.
Break
Cross Border: SEPA, SWIFT, EPI, APIs and APMs
Whilst the euro and SEPA have created a borderless EU for payments, in Europe and the wider EMEA region, cross border payments are more complex with FX and transfer rates and fees applicable in many cross border payment products in the region. Whilst SWIFT IS20200 will level up and create a new standard for cross border bank payments globally, there are alternative payment methods (APMs), including payment APIs that are already in play in European markets. Europe is also witness to the development of the European Payments Initiative (EPI) which aims to create a payment network between participating banks across several countries in Europe. Cryptocurrencies, whilst still nascent as payment alternatives in Europe, have the potential to gain momentum in the cross border market given their decentralized nature. In this session we will examine the initiatives and products that are shaping cross border payments in Europe, and assess how the market will play out in 2022.
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Narjiss Aydoun
Head of payments, cards & cash, ING Nederland
Narjiss Aydoun
Head of payments, cards & cash, ING Nederland
March 29th 2022-
04:00pm -4:45pmCross Border: SEPA, SWIFT, EPI, APIs and APMs
Narjiss is head of Payments at ING Netherlands leading the overall Payments, Cards and Cash business including commercial cards Portfolio both for Business banking and Wholesale banking. She is a global leader with good business acumen and understanding of various facets of leading the business including Strategy, Change, Operations, P&L, Technology and HR and a solid history of driving large scale transformations.
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Simon Jones
Payments expert and former CCO, Clear Bank
Simon Jones
Payments expert and former CCO, Clear Bank
Simon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. As ClearBank’s Chief Customer Officer, Simon leads the technology platform’s client management, product and marketing functions, ensuring a customer-centric focus is at the heart of ClearBank’s products and services.
Prior to joining ClearBank in 2019, Simon spent over 20 years at JPMorgan. During his time at the bank, he was responsible for treasury solutions in EMEA, supporting clients around the world. He was also Head of Corporate Sales in EMEA from 2012 to 2015 and Asia Regional Executive for Treasury Services from 2006 to 2010, based in Hong Kong.
Simon is actively involved in UK FinTech as a Mentor for TechStars Accelerator programme.
Summary and Close
Networking Reception
Welcome
Growth markets in Europe: opportunities in sectors and regions
Opportunities to grow commercial card programmes throughout the EMEA region are likely to gain momentum as the economy recovers and corporate T&E spending resumes. Beyond the restarting or reactivation of corporate card activity, issuers and acquirers have potential to further develop card programmes into other sectors, including government, education, healthcare, transport, construction and e-commerce. Card use in countries across Europe and the wider EMEA region varies, giving opportunities for growth in markets with comparatively lower commercial card activity. In this session, card marketing and product leaders discuss strategies for growth into EMEA markets in terms of sectors and regions and the challenges in developing new markets.
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
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09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Americas, Asia, Europe and Middle East markets.
Greg has worked in EDC London’s, Sydney’s and Paris’ offices and gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments.
Greg leads EDC’s B2B Payments Practice working with the whole value chain, including schemes, financial institutions, Procure to Pay providers and corporates. Greg is a regular conference speaker and chairman at events focused on payments and cards business such as Commercial Payments International, Merchants Risk Council and Trustech.
Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.
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Francesco Cerlienco
EMEA Head of Commercial Cards Product, Citi
Francesco Cerlienco
EMEA Head of Commercial Cards Product, Citi
March 30th 2022-
09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Francesco Cerlienco heads up the Commercial Cards Product Development and Market Management team at Citibank and is responsible for market management, product development and regulatory changes across Europe, Middle East and Africa. Francesco joined Citi Treasury and Trade Solutions business in 2008 serving in various roles, including client onboarding, implementation and business management before moving on to product management.
Prior to Citi, Francesco worked at Deutsche Bank developing IT solutions for the derivatives trading desk. He started his career at Thomson Reuters where he held a number of positions in business analysis, client training and product delivery. Francesco has a Master’s degree in Management from the London School of Economics and a degree in Political Science and Economics from Cagliari University in Italy. He also holds the Certificate in International Cash Management from the Association of Corporate Treasurers.
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Karim Bennaziz Houmane
Global head of commercial cards sales, BNP Paribas
Karim Bennaziz Houmane
Global head of commercial cards sales, BNP Paribas
March 30th 2022-
09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Appointed in September 2018 Global Head of Commercial Cards Sales at BNP Paribas, leading the Sales and Account Management team in Europe. Prior to this role, Karim was Vice President of the Global Clients Group team in Europe at American Express. He started his career at American Express in 1992 straight after graduation where he held several roles in Marketing and Key Account Management in Germany, in the UK and in France. Karim holds a Diplom-Kaufmann (MBA) from the Johannes-Gutenberg University in Mainz, Germany. He also holds a Specialised Master in “Consulting & Coaching for Change” from HEC Paris and Saïd Business School, Oxford University. Karim is actively engaged in change management, diversity & inclusion.
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Merchant acquiring in Europe: expanding acceptance
Merchant acquiring banks, processors, fintechs and other entities in Europe that provide merchant services are growing in Europe and are critical to the success of the development of supplier networks and cards programmes in the region. Merchant acquirers that provide the greatest array of payment acceptance solutions through integrated payment technologies and have deep reach into local markets in Europe are in pole position to grow market share as the economy recovers. In this session the panel will discuss the evolution of merchant acquiring in Europe and growth in supplier enablement, onboarding and acceptance in B2B markets in the region.
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Linda Weston
Managing director and head of core product, Barclaycard Payments
Linda Weston
Managing director and head of core product, Barclaycard Payments
March 30th 2022-
10:00am -10:45amMerchant acquiring in Europe: expanding acceptance
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02:45pm -3:30pmAP/AR STP automation: motivating the market
Linda Weston, Managing Director and Head of Core Product for Barclaycard Payments, has over 20 years’ experience in the Payments industry. In her current role she is accountable for leading the product team to deliver innovative, best in class commercial issuing and acquiring products including market leading value added and payment security services. Since joining Barclaycard in 2014 Linda has spearheaded a cultural change in product management approach, lead a transformational migration programme and driven the developed of a number of critical and inventive capabilities. Prior to joining Barclaycard Linda worked at J.P. Morgan where she was instrumental in establishing a Commercial Payments issuing business across EMEA from scratch. Her early career was with NatWest where Linda held a variety of Operational and Product roles.
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Kilian Thalhammer
Head of Merchant Solutions, Deutsche Bank AG
Kilian Thalhammer
Head of Merchant Solutions, Deutsche Bank AG
March 30th 2022-
10:00am -10:45amMerchant acquiring in Europe: expanding acceptance
Over 15 years in payment/ fintech/ e-commerce & loyalty make Kilian an expert when it comes to serious product, strategy and business development issues. After being Global EVP Product-Management @Wirecard Kilian is now responsible for the business unit merchant solutions at Deutsche Bank (Issuing, Acceptance, Marketplaces). Since Mai 2021, Kilian is Chairman of the Board of the VOEB-ZVD Processing GmbH and Board Member at Euro Kartensysteme (EKS).
Kilian works as an advisor for banks, PSP’s, risk providers & merchants. As an early-stage business angel, he helps companies to get established in the market and grow. He also acts as a mentor & advisor for larger accelerators and business networks and supports VC as LP in their investments.
Kilian is one of the founders of payment and banking – one of Germany’s leading Fintech Blogs & Podcasts and host of the industry events Transactions.io, Banking-exchange and Payment-Exchange. -
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Tim Grocott-Mason
VP - payments & eCommerce, corporate & investment Bank, JP Morgan
Tim Grocott-Mason
VP - payments & eCommerce, corporate & investment Bank, JP Morgan
March 30th 2022-
10:00am -10:45amMerchant acquiring in Europe: expanding acceptance
Tim works in the payments and e-commerce team at J.P. Morgan to support the growth and strategy of corporate and institutional clients. J.P. Morgan Payments combines corporate treasury services, trade finance, card and merchant services capabilities, delivering an integrated payments experience to clients across the economy.
Prior to J.P. Morgan, Tim worked in the payment innovation team at American Express helping launch their open banking payment solutions across Europe. Tim began his career as a consultant within the payment space working across EMEA and North America with many of the largest global technology companies to bring innovative new ideas and solutions to the evolving payments market.
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Volker Schloenvoigt
Head of Acquiring Practice, Edgar, Dunn & Company
Volker Schloenvoigt
Head of Acquiring Practice, Edgar, Dunn & Company
Volker Schloenvoigt is a Principal in Edgar, Dunn & Company’s London office and has over 20 years of consulting background in the payments industry. He has worked with clients primarily in Europe and the Middle East and has supported a wide range of strategic projects from corporate strategy, product development and market entry to operational improvements and benchmarking. In recent years, Volker started focusing on the merchant acquiring space and he is heading EDC’s acquiring practice. This covers both offline and online channels and is closely linked with payment optimisation work for retailers. Most of the projects will require looking at all relevant trends in the industry, whether these are economics, new players, new technologies or market needs. Volker is also actively engaged in the M&A field, having supported clients on dozens of commercial due diligence and target identification projects not just in merchant acquiring but in a wider payment industry context.
Break
SMBs, Working Capital and SCF: the growth of the market
Small to mid-market companies form the backbone of the European economy and their spending policies and practices around commercial card programs are the bread-and-butter of banks that play in the card space in Europe. In terms of short term working capital, cards have also provided liquidity during the downturn due to the pandemic, which have assisted with cash. The development of working capital solutions on card rails has accelerated as issuers see the potential to capture suppliers that might have tapped the short term loan market for capital needs. In this season we discuss the application of card products in working capital and SCF solutions for SMBs, and the role of banks and networks in the development of digital products for the segment.
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Emma Streatfield
Head of SME, Visa Business Solutions Europe
Emma Streatfield
Head of SME, Visa Business Solutions Europe
March 30th 2022-
11:15am -12:00pmSMBs, Working Capital and SCF: the growth of the market
Emma leads the SME segment for Visa Business Solutions. Together with her European team, Emma has responsibility for development and commercialization of payment and other digital solutions, to help Visa’s partners grow their business and support SMEs. She also leads the team responsible for managing the delivery of Visa Europe’s commitment to digitally enabling 8m SMEs through the Covid-19 recovery period, as part of our global commitment of 50m SMEs.
Prior to joining Visa, Emma spent 12 years at American Express. During this time she worked in both the consumer and commercial businesses, leading teams focused on product management, customer experience, and business development in global and European roles. In the Commercial payments space, she has led sales teams in Strategic, Large and Mid-market segments. Her previous experience includes working in two small consultancies (both of which are SMEs), focusing on B2B and financial services.
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David Harrison
Founder, PaySavi
David Harrison
Founder, PaySavi
March 30th 2022-
11:15am -12:00pmSMBs, Working Capital and SCF: the growth of the market
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12:00pm -12:45pmLarge enterprises in Europe: eliminating payment pain points
David has over 25 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation, data and business development solutions for service providers and their clients. PaySavi is also an approved supplier of Payment Consultancy Services to UK Government organisations. Working with scheme, issuer, fintech and business association clients, PaySavi is working on projects in EMEA, North America and Asia Pacific. Its sister company, SaviCom, provides advisory and implementation services on GDPR, PSD2 and IFR.
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Erwan le Grand
European Head of Commercialisation & Account Management, HSBC
Erwan le Grand
European Head of Commercialisation & Account Management, HSBC
March 30th 2022-
11:15am -12:00pmSMBs, Working Capital and SCF: the growth of the market
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02:45pm -3:30pmAP/AR STP automation: motivating the market
Erwan is a commercial card products specialist with more than 15 years of experience in card sales, operations, and account management. He now leads client consultations on process and cash flow improvement using card payments and helps optimise card programmes for HSBC key customers.
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Large enterprises in Europe: eliminating payment pain points
Large companies in Europe have faced many difficult and transformative payment processing challenges in the pandemic period, not least managing remote workforces and facing demand downturn in some sectors in Europe as economies shrunk in 2020. Now in a period of regrowth and rebound in Europe, large companies are now looking to strengthen their core processes in payments, driven by technological advances and changes in workflow and working patterns in their payment operations. In this session, payment leaders discuss the solution needs of larger enterprises in Europe, including the use of commercial card programs in their purchasing and supply operations, and critically assess the future of the card product.
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David Harrison
Founder, PaySavi
David Harrison
Founder, PaySavi
March 30th 2022-
11:15am -12:00pmSMBs, Working Capital and SCF: the growth of the market
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12:00pm -12:45pmLarge enterprises in Europe: eliminating payment pain points
David has over 25 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation, data and business development solutions for service providers and their clients. PaySavi is also an approved supplier of Payment Consultancy Services to UK Government organisations. Working with scheme, issuer, fintech and business association clients, PaySavi is working on projects in EMEA, North America and Asia Pacific. Its sister company, SaviCom, provides advisory and implementation services on GDPR, PSD2 and IFR.
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Clara Garcia Benedito
Global Head- Enterprise Global Solutions, BBVA
Clara Garcia Benedito
Global Head- Enterprise Global Solutions, BBVA
March 30th 2022-
12:00pm -12:45pmLarge enterprises in Europe: eliminating payment pain points
Clara García Benedito works at BBVA, where she is Head of Global Solutions for Commercial and Corporate Banking which purpose is to create end to end treasury solutions for enterprises that operate worldwide
Clara has +15 years of business development experience in banking. She joined BBVA Group in 2006, participating in the Transaction Services in Spain After, in 2008 she moved on to the Global Product where she has developed different roles and initiatives
Her main achievements are related to the global customer implementation and experience over SWIFT and H2H, Payment standardization within BBVA, global cash pooling, global payment hub for corporates, cross-border payments over blockchain, SWIFT gpi, global supply chain finance, global expense management for commercial cards, among others.
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Lunch
Cryptocurrencies, decentralised finance and CBDCs in Europe
Whilst cryptocurrencies remain at the fringe of the payment ecosystem with low volumes and transactions, there are significant developments in Europe that suggest that regulators and central banks are preparing for a future where e-coins will gain greater momentum and take a bigger share of payments. In this session, we assess the development of central bank digital currencies (CBDCs) within Europe including the e-euro and e-sterling, and their potential impacts on the business payments ecosystem. The panel will also discuss the development of stable coins pegged to currencies, and decentralised finance and whether cryptocurrencies such as bitcoin and ethereum will continue to gain traction in B2B or will essentially remain be traded digital assets for crypto investors.
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Cristian Cengher
Group product owner cross border payments, Erste Group Bank AG
Cristian Cengher
Group product owner cross border payments, Erste Group Bank AG
March 30th 2022-
02:00pm -2:45pmCryptocurrencies, decentralised finance and CBDCs in Europe
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Muneeb Shah
Payments and Tokenised Cash Lead, R3
Muneeb Shah
Payments and Tokenised Cash Lead, R3
March 30th 2022-
02:00pm -2:45pmCryptocurrencies, decentralised finance and CBDCs in Europe
Muneeb heads Market Ecosystem Development and Strategy for Payments and Tokenized Cash at R3. With 15+ years of global diversified experience, Muneeb has been evangelizing and leading implementations of cross industry blockchain solutions.
In his current role, Muneeb has a strong focus on blockchain / de-centralized ledger business models for physically applicable use cases, ecosystems and consortium building to enable seamless cross border payments and settlements.
Prior to this, Muneeb played a key role working in payments area for standardising the payments messaging using ISO XML standards and working closely with the consortium of banks and industry bodies to define the ISO standards for payments messaging. He comes from a strong banking background with ability to understand both technical and functional aspects enabling him to contribute on both the ends.
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Samee Zafar
Head of Advanced Payments Practice, Edgar, Dunn & Company
Samee Zafar
Head of Advanced Payments Practice, Edgar, Dunn & Company
AP/AR STP automation: motivating the market
Of the many challenges that the pandemic has presented to companies, few have been greater than getting payments from paper invoices, and getting cash to the bank. Uncollected cheques in the post piled up on the doormats of firms, and mountains of unopened invoices in the lockdown periods, have brought into sharp relief the need to eradicate paper and manual keyed invoices, to an automated AP solution that straight-through-processes payments end-to-end. The focus on automation of accounts payable across the industry from card networks, issuing banks and fintechs, is propelling the market for digitisation, with great opportunities for growth. Yet market development is low, with still a high reliance on paper. In this session we discuss the challenges for companies large and small in developing AP automation, the resources and skills required to deliver such a project and role of commercial cards in the solution.
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Pat Bermingham
CEO, Adflex
Pat Bermingham
CEO, Adflex
March 30th 2022-
02:45pm -3:30pmAP/AR STP automation: motivating the market
Patrick Bermingham, CEO of Adflex, has over 20 years of experience in the commercial payments industry, overseeing the growth and development of Adflex as a premier B2B payments service provider. Patrick is responsible for overseeing product development and ensuring the final link of digital payment issuance and acceptance is as frictionless as possible. Before Adflex, Patrick specialised in ERP system design and development.
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Linda Weston
Managing director and head of core product, Barclaycard Payments
Linda Weston
Managing director and head of core product, Barclaycard Payments
March 30th 2022-
10:00am -10:45amMerchant acquiring in Europe: expanding acceptance
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02:45pm -3:30pmAP/AR STP automation: motivating the market
Linda Weston, Managing Director and Head of Core Product for Barclaycard Payments, has over 20 years’ experience in the Payments industry. In her current role she is accountable for leading the product team to deliver innovative, best in class commercial issuing and acquiring products including market leading value added and payment security services. Since joining Barclaycard in 2014 Linda has spearheaded a cultural change in product management approach, lead a transformational migration programme and driven the developed of a number of critical and inventive capabilities. Prior to joining Barclaycard Linda worked at J.P. Morgan where she was instrumental in establishing a Commercial Payments issuing business across EMEA from scratch. Her early career was with NatWest where Linda held a variety of Operational and Product roles.
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Erwan le Grand
European Head of Commercialisation & Account Management, HSBC
Erwan le Grand
European Head of Commercialisation & Account Management, HSBC
March 30th 2022-
11:15am -12:00pmSMBs, Working Capital and SCF: the growth of the market
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02:45pm -3:30pmAP/AR STP automation: motivating the market
Erwan is a commercial card products specialist with more than 15 years of experience in card sales, operations, and account management. He now leads client consultations on process and cash flow improvement using card payments and helps optimise card programmes for HSBC key customers.
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
March 29th 2022-
11:15am -12:00pmB2B payments: charting exponential growth
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09:15am -10:00amGrowth markets in Europe: opportunities in sectors and regions
Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Americas, Asia, Europe and Middle East markets.
Greg has worked in EDC London’s, Sydney’s and Paris’ offices and gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments.
Greg leads EDC’s B2B Payments Practice working with the whole value chain, including schemes, financial institutions, Procure to Pay providers and corporates. Greg is a regular conference speaker and chairman at events focused on payments and cards business such as Commercial Payments International, Merchants Risk Council and Trustech.
Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.
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Travel in a time of pandemic and war
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Patrick W. Diemer
Chairman, European Business Travel Association and Senior Advisor, Arthur D. Little
Patrick W. Diemer
Chairman, European Business Travel Association and Senior Advisor, Arthur D. Little
March 29th 2022-
10:00am -10:45amRegulation roundup: what’s next from Brussels and beyond
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03:30pm -4:00pmTravel in a time of pandemic and war
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