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0 +Commercial card and B2B payments professionals -
0 +Industry-leading speakers -
0 +high impact sessions
Efficiency in payment ecosystems
Payments innovation is a key driver in propelling efficiency in B2B transactions, as well as optimising working capital, at a time when companies throughout Europe are facing challenging economic headwinds. As inflation tracks close to 10 percent and interest rates rise in the eurozone, financial institutions and the companies they serve are creating solutions to reduce costs in payment ecosystems. Yet the underlying fundamentals in Europe are strong, the economy is forecast to pick up to 1.5% growth and inflation to fall to 2.6% in 2024 with budget deficits and unemployment rates across Europe remaining stable, according to the European Commission. In this conference, business, banks and technology partners discussed the latest iterations and markers in the evolution of the European B2B payments ecosystem, and shared ideas, experiences and insights on how corporates can improve, integrate and innovate commercial payments systems for greater wins as the economy recovers into 2024.
Explore how to drive efficiencies through the payments value chain
Topics at a glance included:
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Economic and regulatory updates
The impact of high inflation, elevated rates and lower growth on European corporates
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Technological innovation
Technological innovation in the industry from virtual cards to embedded payments and digital money
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The evolution of B2B markets
Towards PSD3: Keeping pace with the regulatory evolution of commercial payments in Europe
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Payments digitisation
Key areas of payments technologies that are evolving in corporate payment systems
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Automation for corporates
Automation for corporates
B2B payment and commercial cards experts that led the conversation in 2023 included
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Linda Weston
Managing director, head of commercial cards
Barclaycard Payments
Linda Weston, Managing Director and Head of Commercial Cards, has over 20 years’ experience in the Payments industry. In her current role she leads the development and cultivation of excellent commercial payment solutions. Linda’s mission is to instil excellence and transformative product management competence across the product organisation and provide clear strategic direction that ensures focus on initiatives that drive demonstratable value to customers,
colleagues and the company. Since joining Barclaycard in 2014 Linda has led a transformational migration programme, driven the development of a number of critical and inventive capabilities and now leads the commercial card business. Prior to joining Barclaycard Linda held roles at a number of prominent Payments companies where she held a variety of product and operational roles. -
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Francesco Cerlienco
EMEA Head of Commercial Cards Product,
Citi
March 29th 2023Francesco 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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William Lovell
Head of architecture & future technology
Bank of England
March 20th 2024I am a technology advisor on CBDC, data and payments. With over 25 years at the Bank of England, I have held a variety of roles in technology from application developer and test manager through to heading up the strategy and architecture function. I am currently working on the design of CBDC and the use of artificial intelligence across the bank.
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Kate Parker
Senior analyst
Economist Intelligence Unit
March 19th 2024Kate has worked on country risk across a variety of geographic regions for over 20 years. She currently covers Europe but also has extensive experience in Latin America and the Middle East & Africa. She manages the EIU’s Financial Risk services for Europe, producing sovereign credit ratings and assessing how political and economic risk affect creditworthiness. She has a wealth of external-facing experience, ranging from client presentations, conference work and ambassadorial briefings. She also writes regularly for The Economist, the International Institute for Strategic Studies (IISS) and the Huffington Post, among others. She has edited several of the books in the ‘Economist Guides’ series.
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Anni Mykkänen
Senior Policy Adviser Payments & Innovation,
European Banking Federation
March 28th 2023 -
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Rahul Daswani
Independent Payments Expert
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Stefan Windisch
Finance treasury operations
Roche Finanz AGMarch 20th 2024-
09:05amAdvanced corporate case studies
Stefan Windisch has held various finance positions at F. Hoffmann-La Roche Ltd. in Basel, Switzerland since 2009. Since 2012, he has served as Senior Cash Manager in Treasury operations. Starting April 2024, Stefan will lead Roche’s worldwide In house Bank and cash management team. Before joining Roche, he worked as a controller for both an FMCG company and a leasing company in the UK and Germany.
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Brian Tomkins
Global head of commercial cards
HSBCMarch 19th 2024Brian Tomkins is Global head of commercial cards for HSBC’s Global payments solutions business. He leads the business, strategy, product development, and commercialisation for the full suite of Card products and solutions and has been with HSBC for 10 years. Prior to joining HSBC, Brian spent 15 years at Citi, where he held various senior roles in Europe and the U.S.
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Michael Salmony
Strategic Adviser,
European Third Party Providers Association (ETPPA)
March 28th 2023 -
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David Voss
Managing director, head of EMEA commercial card
Bank of AmericaMarch 28th 2023 March 19th 2024 -
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Chris Holmes
Senior vice president
KAE Consulting
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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Simon Jones
Independent payments
ConsultantSimon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. Simon was previously Chief Customer Officer at ClearBank and lead the client management, product & marketing teams at the UK’s first cloud based infrastructure clearing bank.
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.
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View profile Clive Cornelius
Head of travel & entertainment, procurement commercial products
Visa Commercial Solutions
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Clive Cornelius
Head of travel & entertainment, procurement commercial products
Visa Commercial Solutions
March 29th 2023 March 19th 2024Clive joined Visa in 2018 to lead the travel segment for Visa business solutions in Europe, owning all travel-related issuer products and has recently also taken on responsibility for Procurement payment 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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Duncan Kennett
Head of new verticals
Visa Commercial SolutionsMarch 19th 2024Duncan has a career in payments that started with working in corporate transaction banking in Australia across a variety of products. On moving to the UK, he then started his career in commercial cards by working in the government field, then joined J.P. Morgan commercial cards as part of the Europe launch team, and from there to Bank of America, again in the early stages of product launch in Europe. He then worked in a variety of roles for Vocalink, including in the data science team, before joining Visa. He now manages development of solutions into new industry verticals.
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Malte Rau
CEO
PliantMarch 19th 2024In the last decade I focused on closing the gap between risk management and business development for several banks and fintechs in- as well as outside of Germany. I recently co-founded Pliant to make corporate credit cards as easy to use as they should be, and fix climate harming card incentives while solving the complexity of payments and lending at the same time.
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Andy Downman
Commercial Director, Adflex
With over fifteen years of experience in the card industry, Andy has become an industry-recognised expert in B2B enhanced transaction data, issuance and acceptance. Andy heads Adflex’s commercial activities and sales team and is highly accomplished in understanding complex needs and creating innovative solutions which offer process improvements to B2B payment flows.
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Johanna Waara
Head of Commercial Solutions Europe, Mastercard
March 28th 2023Johanna Waara is Senior Vice President of Business Development, Commercial Solutions in Europe at Mastercard. Johanna brings over 15 years of experience in global Fintech where she has held leadership roles within business development, sales and marketing. Throughout her career, Johanna has worked with customer-centered product innovation and expansion strategies, whilst also collaborating with, and servicing, some of the largest corporates and payment companies world-wide. Prior to joining Mastercard, Johanna held the position of CCO within a technology software and solutions company where she led the commercial organisation with responsibility for sales, solution consultancy and client management in-line with the company’s ambitious international growth strategy. Johanna holds a Masters in Business Administration from Henley Business School, UK.
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Carlos Pérez Rubio
Senior Principal Product Manager,
ACI Worldwide
As Product Manager, Carlos is passionate about helping customers growing and serving their customers. Before this, Carlos managed the Back Office products in ACI, used by issuers and acquirers to manage their card and merchant portfolios. Being part of the team that created these products, Carlos has worked for more than 25 years with customers around the world implementing retail payments solutions.
Originally from Spain, Carlos worked in corporate banking solutions for BBVA and Equifax Spain before moving to the UK, where he has lived since 2002. He likes to “entertain” the neighbours playing drums and guitar every now and then and is lucky to be a fan (and member) of Real Madrid.
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Simon Rendall
Head of Payments Business Architects, Lloyds Banking Group
Simon has been working in the payments industry for more than 20 years, having worked on everything from cheques to Open Banking to Confirmation of Payee and pretty much everything in between. He now leads a Business Design team covering the full breadth of payments activity for Lloyds, including most recently exploring the sustainability implications of different types of payments and how we might reduce our carbon footprint as we move our money.
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Matyas Fekete
Principal Consultant, KAE Consulting
As a Principal Consultant at KAE, Matyas manages high-profile projects for KAE’s clients globally, including benchmarking, market sizing and proposition testing studies. During his 7 years at KAE, he has worked on a wide range of projects across Europe and North America, and has developed a particular expertise in payments, FinTech and corporate sustainability. Matyas also takes a leading role in KAE’s FinTech and sustainability related initiatives and regularly represents KAE at industry events.
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Corina Roberts
Specialist Sales Manager Issuing,
Barclaycard Payments
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Magaly Charlier
Regional Vice President, B2B Product Management, Mastercard
Magaly Charlier is Vice President of B2B Product Management at Mastercard, based in London. She has extensive experience in card payments, cash management, e-invoicing and working capital solutions, including invoice-based payables and receivables finance. Prior to Mastercard, she worked for over 20 years in financial institutions and fintechs on product management, product development and business development roles. She is a member of the executive committee of the European E-invoicing Service Providers Association (EESPA) and co-chair of the Invoice Finance Working Group (IFWG).
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Lydie Charpin
Vice President, Corporate Travel & Spend Management Products,
Mastercard
March 29th 2023-
04:45pmFintech partnerships
Lydie Charpin recently joined Mastercard as VP – Corporate Travel and Spend Management to expand T&E commercial card solutions for large enterprise. She is responsible for the overall T&E portfolio strategy and product management working closely with T&E partners. She is striving for innovation to reshape the future of corporate travel and expense management. Lydie brings to this position +15 years of experience in the travel industry, more specifically in business travel.
Prior to joining Mastercard, Lydie was VP- Cytric Solutions at Amadeus providing large enterprise corporations with an end-to-end T&E platform including travel booking, expense management, payment, mobile, duty of care, analytics. Lydie was responsible for the overall portfolio strategy, product management, presales & strategic bid, UX and marketing of the T&E platform with teams based in 15 countries.
Previously, Lydie was the Head of Payment Product Management, an emerging business line at Amadeus serving corporations and business travel agencies, as well online travel agencies and airlines / hotels / railways customers for their payment needs.
Lydie graduated from first-class French engineering school “Ecole Centrale Paris”. She is married, has four children, and is based in Sophia-Antipolis in France.
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Ross Withers
COO,
Inlogik
March 29th 2023-
04:45pmFintech partnerships
Ross has more than 21 years’ industry experience working with financial and payment solutions. His experience ranges across the development, sales, implementation, support and operation of enterprise online solutions. With a comprehensive understanding of software and how it interacts with banks and corporates, Ross specialises in combining technical knowledge with business understanding to manage all aspects of the software solution lifecycle from analysis through to operation.
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View profile Helena Forest
Head of product EMEA marketplace solutions, payments and commerce solutions
J.P. Morgan
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Helena Forest
Head of product EMEA marketplace solutions, payments and commerce solutions
J.P. Morgan
March 28th 2023 -
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Monica Monaco
Director,
Trust EU Affairs
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 -
View profile David Novak
Account management and client optimisation, corporate cards, Continental Europe
HSBCX
David Novak
Account management and client optimisation, corporate cards, Continental Europe
HSBCMarch 19th 2024-
03:15pmVirtual cards in B2B market
David Novak is managing HSBC Commercial Cards’ account management and optimisation business across Continental Europe. He is based in Paris and is responsible to grow the strategic pan-European book, helping customers and prospects achieve their goals in terms of card adoption. Prior to joining HSBC, David spent his career at American Express, in Paris and in London, where he held roles in relationship management and business development with a specific focus on global corporate clients, including major French groups.
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Nilixa Devlukia
Chair, Open Finance Association and CEO,
Payments Solved
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Thomas Farran
Head of Payments,
Vestas Wind Systems
March 28th 2023 -
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Tom Bettelheim
Head of Payments Products,
ING Nederland
Tom Bettelheim is Head of Payments Products for ING in the Netherlands, responsible for all digital payment products for Retail and Business banking customers. His scope includes merchant acquiring, customer reporting and money transfer (including instant payments), with a strong emphasis on the digitalization of customer experience. He has been with ING since 10 years, working in a range of roles in Retail and Business Banking, including experience in global program management, commercial roles and product delivery. Tom is an advisory board member of the Dutch Payments Association.
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Greg Toussaint
Director
Edgar, Dunn & Company
March 19th 2024Greg Toussaint is a Director in the Paris office with Greg 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments.
Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Greg plays the saxophone and loves baking cakes.
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Karim Bennaziz Houmane
Global head of commercial cards sales
BNP Paribas
March 28th 2023 March 19th 2024Appointed 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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View profile Patrick Diemer
Chairman, European business travel association and senior advisor
Arthur D. Little
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Patrick Diemer
Chairman, European business travel association and senior advisor
Arthur D. Little
Patrick is senior advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business travel news. Currently Patrick volunteers for VDR, the German business travel association. He leads their task force ‘restart business travel’.
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Frank Martien
Founder
Windward Strategy
Strategy consulting and M&A advisory for payments has been Frank’s career since 1996 when he joined the boutique firm First Annapolis Consulting, Inc. (“FA”) where he focused on card strategy, launch, and optimization for networks, national & regional financial institutions, technology companies, and private equity firms in the U.S., Canada, Europe, and Latin America. Following the acquisition of FA in 2017, Frank continued as a Managing Director within Accenture Strategy on the payments team. Windward Strategy, Inc. was founded by him in 2020 to provide strategy consulting with a focus on B2B payments.
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David Harrison
Founder
PaySavi
March 19th 2024-
09:00amWelcome from the chair
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11:40amVertical growth and opportunities work streams
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12:15pmRoundtables
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 solutions for scheme, issuer, fintech and business association clients in EMEA, North America and Asia Pacific. PaySavi is also an approved supplier of Payment Consultancy Services to UK Government organisations. Since 2021, David has been working with Hi55, a new platform financing the payroll of any employer, whilst paying their staff sooner, and is currently Head of Cards & Payments.
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Sergio Ortega
Global cash management discipline leader
BBVA
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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Martyn Lock
Head of Cards & Money Movement Europe, FIS
March 29th 2023As a self-confessed card geek, Martyn has been involved in the card market since 2006. Working in the Program Management and processor space Martyn has successfully launched programmes across multiple verticals and regions.
Armed with this experience, Martyn heads the Sales function for one of the worlds largest FinTechs FIS, with a renewed focus on Virtual and Commercial card applications.
With an unrivalled processing pedigree, FIS is the world’s largest Issuer processor and one of the few full-service processors offering a range of BPO services for Tier 1 banks, Corporates, Merchants and Start-ups.
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Nikola Plecas
Head of Crypto Solutions, Visa Europe
Nikola Plecas works at Visa and is currently heading the European Crypto business. In this position, he is responsible for operationalising and delivering our crypto strategy in the region by working closely with our existing and new partners, and is also the regional subject matter expert and acts as Visa’s spokesperon on the topic of digital currencies.
Nikola joined Visa in 2017, starting in the Corporate Strategy team before having spending time in Strategic Partnerships & Fintech and VCA teams. He has previously worked in finance and consulting, and is a CFA Charterholder.
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Stefano Celada
Treasurer, MSC Cruises
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Andrea Ramoino
Managing Director, EMI, Solaris Group
Andrea is MD for Solaris Electronic Money Business for UK and EEA, with
responsibility for driving growth across our payment business across both
geographies.
He is an expert product and marketing transformational leader, with over 15 years’
experience across many industries including Fintech, Crypto, AI and SaaS. He brings
entrepreneurship, creativity and strategic expertise to the Solaris leadership.
Previously Chief Strategy Officer at Contis (before Solaris integration), Andrea
formed a crucial part of the executive team and delivered the organisations
corporate strategy and global expansion.
Andrea joined Solaris (formerly Contis) from Elliptic, a leader of compliance
solutions for the Crypto market, where he spearheaded significant growth as VP of
Product. He is also former Senior Director of Global Product Management at
Experian. Prior to that, he worked in the data storage industry where he contributed
to the turnaround of Xyratex Capital Equipment – then led the post-merger
integration of Xyratex PLC into Seagate Technology PLC, two multi-billion dollar
businesses.
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“CPI is my preferred conference because it is very focused on the payments space and brings a combination or real life situations and insights with panels and relevant players in the industry that shed light into my blind zones. The “I don’t know what I don’t know”. I always get actionable ideas and potential or actual partnerships from CPI. ”
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”Every time I attend a CPI event, I learn something new. And I have been a payments expert since the turn of the century”
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”CPI brings all the key players- Banks, Networks, Clients, Consultants, Tech Partners and Fintech under one roof, Speakers, Materials, Content and interactive sessions are a great source of learning and understanding as to what’s happening in the area of payments, Brilliant job Team CPI”
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”Tremendous show with great speakers and presentations this year. I only wish we’d had an additional night to network with all of the great attendees”
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”Timely industry content and great networking opportunities”
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“Great speakers, great content!! Very informative and invigorating!”
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“Great event for networking and benchmarking vs. peers in all respect and collegiality.”
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“The key event of the industry.”
Sponsors
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Global partner
View profile XMastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
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Global partner
View profile XGo to the Visa Business Solutions Knowledge Hub or click on the website link below to learn more about how our technology and innovation make digital payments a reality for consumers, businesses, banks and governments.
We have a simple and unwavering vision that can be traced back to our beginnings in 1958: To be the best way to pay and be paid for everyone, everywhere. We know that every Visa transaction is a promise. Whether it’s a street vendor in Brazil selling food to make a living or a fisherman in Rwanda paying his daughter’s school fees, we want to provide the most secure and seamless payment experience possible.
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Industry partner
View profile XBoost Payment Solutions is the global leader in B2B payments with a technology platform that seamlessly serves the needs of today’s commercial trading partners. Our proprietary technology solutions bridge the needs of buyers and suppliers around the world, eliminating friction and delivering process efficiency, payment security, data insights and revenue optimization. Boost Intercept®, our proprietary STP platform, eliminates manual workflows with end-to-end payment and data automation. Dynamic Boost® offers flexible interchange pricing based on the needs of buyers and their suppliers.
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Supporting partners
View profile XInlogik is a market leader in card and expense management solutions, providing end-to-end management solutions for commercial card programs around the globe.
Inlogik CMP allows issuers to pick and choose modules within our complete online platform to add value to their commercial card offering. The CMP solution offers comprehensive card request, reporting and transaction analysis functionality. Integration with issuer card systems allows for real-time card and portfolio management from one central platform.
Inlogik offers corporate expense management through our flagship product, Inlogik EMS. Clients are provided with a highly configurable expense management system with a customized workflow to meet complex requirements, and to incorporate business policies. Integration capabilities allow Inlogik EMS to interface directly with your finance, HR, and payroll systems.
An early adopter of best-practice data security and privacy standards, Inlogik has a proven track record in delivering real savings to businesses.
