Regulation of Payment Business

What banks should take into account? (PSP2, EBA guidelines, e-ID)

Efficiency and Profitability

How banks and financial institutions can improve their profitability in an efficient way?

Technology and Innovations

Is FinTech a panacea in the banking sector?

What new and emerging technology options are available? (e.g. QR payments)

Cyber Security and Fraud Risk Mitigation

How fraud can be reduced by banks?

How to improve cyber security for Payment Systems?

3rd International Conference on E-money, Cards and

Payments 18-19 May 2016, Lindner Hotel Gallery Central, Bratislava

www.e-moneyconference.eu

SILVER SPONSORS

BRONZE SPONSORS

CO-OPERATION PARTNERS

MEDIA PARTNERS

The most up-to-date information on e-money, cards, mobile banking and

payment systems

In the context of emerging

economic, legal and technological

advancements

WELCOME MESSAGES

WELCOME SPEECH

Peter Szovics

Director, Institute of Banking Education NBS, n.o.

On behalf of the Institute of Banking Education of the National Bank of Slovakia, it is my pleasure to welcome you. The 3rd

International Conference on E-Money, Cards and Payments has been jointly organized by IBE NBS, n.o. and our respected partner,

the Banking Association for Central and Eastern Europe. This international event, hosted in Bratislava, will reveal the innovations

related to payment systems.

Our purpose is to deliver the most up-to-date information on e-money, cards, mobile banking and payment systems and the

emerging economic, legal and technological advancements. The goal is to discuss the topic of payment business with a special focus

on efficiency, profitability and quality.

During the next two days, we have the opportunity to discuss and share knowledge about the following areas:

Where we are nowadays at payment’s market, and what will be future challenges for banks, financial institutions and firms

(data protection, innovations, IT System Provider, etc.)

Payment regulation following standards and what should we take into account (e-ID, PSD2, EBA guidelines)

Threats and risks of Payment Systems

I am delighted to open this 3rd International Conference, and I hope that the topics discussed will confirm your expectations and

will help support your work.

Finally, let me thank the partners, speakers and sponsors who have supported and helped to make this event possible.

I am looking forward to cooperating with you and taking this forward in the upcoming years. Thank you for your time and I hope

you will enjoy the conference.

WELCOME MESSAGE FROM THE CHAIRMAN OF BACEE

Dr. Sándor Patyi

Chairman of BACEE

Member of the Board of Directors and Deputy CEO, OTP Banka Slovensko

Dear Colleagues,

Let me welcome you in the name of the Banking Association of Central and Eastern Europe (BACEE), co-organizer of the 3rd

International Conference on E-money, Cards and Payments.

BACEE’s mission is to encourage and promote transfer of banking know-how and best professional solutions from the financial

sector of developed economies to banks in Central and Eastern Europe and the CIS countries.

Digital banking, cards and payments are the core business of banks, generating a substantial part of our income. Recently, our

franchise has been challenged by many new-comers, fintech companies and non-bank financial institutions. There is no chance to

stay away from the development of the markets - competition is a must for all of us and taking part in it is in the best interest of

the banks.

In order to successfully compete with the new challengers, first of all, we should have a clear picture of the nature, types,

strengths and weaknesses of the competitors. I trust that our conference will enrich all participants’ knowledge in this area.

Another major issue for our banks is the quickly changing regulatory environment - it is essential to comply with all new

requirements in an efficient and robust way. The conference will provide a detailed update on changes in the regulations, the new

requirements and how to meet them.

I hope that the conference will help to reach our final common goal – providing better, cheaper and more efficient service to our

clients which is the only way to become winners in today’s increasingly competitive environment.

I am sure that besides obtaining a lot of useful information, a major part of the event will be networking – meeting with your

peers. At the end of Day 1 we invite you to a cocktail party to have a talk in a cozy environment with the conference speakers and

the participants.

Finally, in the name of the organizers and our sponsors - Visiona, Tieto, Swift, Gradient - and conference partners I wish you a nice

conference and a pleasant stay in Bratislava!

08:30 Registration 09:00 Opening Session

Welcome Speech Mr. Peter Szovics, Director, Institute of Banking

Education NBS, n.o. Mr. István Lengyel, Secretary General, BACEE Opening Speech

Lord Mountevans, Lord Mayor of the City of London SESSION 1: NEW AND EMERGING REGULATION, REFORM AND RESILIANCE

09:30 Payments regulatory overview (PSD2,

Card IF Regulation, e-ID, EBA Guidelines)

Ms. Silvia Kersemakers, European Commission,

DG Financial Stability, Financial Services and

Capital Markets Union

Adoption of PSD2 – next challenges for reg-

ulators, supervisors and stakeholders

IFR – upcoming applicability of the business

rules in the IFR and next challenges

e-ID: electronic identification in payments,

the regulatory technical standards under PSD2 and e-IDAS

10:00 E-Payments within e-Commerce – An evolution and Regulatory convergence Mr. Ugo Bechis, UB Adv - e-payment & SEPA

Advisor

The new challengers: market approach,

mobile & tech role, business models

New EU Regulation as an enabling factor:

how to exploit the new degrees of freedom

The data game: EU-US Data Protection

comparison; open issues

Choices ahead: challenges and opportunities

10:30 Coffee break SESSION 2: TECHNOLOGY & DISRUPTIVE

INNOVATION – E-MONEY, MOBILE PAYMENTS AND WALLETS IN THE CEE AND BEYOND

11:00 Mobile wallets tomorrow - bring value added services to your merchants and their

customers

Mr. Kristaps Puke, Regional manager in CEE, Tieto Cards and Payments

Innovative technology advancements to

search for new revenue streams, merchant loyalty and novel competitive edges

Opportunities for mobile wallets to develop

attractive features using cloud based technologies

FinTech in the CEE Region Mr. Dávid Győri, CEO, Banking Reports Ltd.

Rising Stars: Enormous creativity and

diversity, spiced by lack of capital

The Double-Edged Sword: Less legacy in the

banking system

Cooperation: A cluster between CEE FinTech

companies is being formed

Best Practices on the FinTech Side:

Finanteq, Intellivector by Multipass -

Best Practices on the Banking Side: Tatra

Banka, OTP Bank, Bank Smart, Millennium Bank, Idea Bank

11:50 Mcommerce, the next payment revolution? Mr. Marcel Gajdos, Country manager, Czech

Republic and Slovakia, Visa Europe

Development of card payments in CEE

region

Contactless paves the way for mcommerce

Are we ready now for m-commerce?

12:15 Dutch experiences with an e-commerce

payment system Mr. Max Geerling, Executive Adviser e-Payments,

Dutch Payments Association

Merchant and consumer demand in cards

and ACH payments

Differing needs for standardisation vs

innovation

Assessment of existing technology options:

QR, NFC, Tokenisation, BLE

Experience from iDEAL QR payments pilot

12:40 Luncheon 13:40 SESSION 3: ROUNDTABLE DISCUSSION Payments Evolution/Revolution – payment technology for banks and alternative service providers of today and 10 years in the future

Moderator: Mr. Ugo Bechis, UB Adv - e-payment & SEPA

Advisor

Participants: Dr Qazi Jalisi, Senior Legal Advisor, Electronic Money Association Ms. Mónika Németh, CEO, FinTech Group Mr. Peter Kvarda, Head of Payment Systems

Department, OTP Banka Slovensko Mr. Richard Walitza, Vice President, Mobile Payments & Innovations, MasterCard Mr. Peter Polák, Director, Banking, Softec, Ltd.

SESSION 4: CARDS AND E-MONEY– EU, CEE AND CIS IN SPOTLIGHT (PART 1) 14:20 The future of payments from the perspective of IT System Provider Ms. Anna Konieczny, Sales Manager, Visiona

Application reliability as a must

Infrastructure – more for less

Time to market – make it ready for

yesterday

Functional trends and challenges in 2016

14:45 The non-traditional payment contexts for

payments Ms. Anna Kovaleva, Business Development Manager, Yandex.Money

Russian payment ecosystem: retrospective

New environment, new reality

Future of the payments: looking ahead

Factors of success

18 MAY 2016 - DAY1

PROGRAMME

11:25

15:10 Coffee break SESSION 4: CARDS AND E-MONEY– EU, CEE

AND CIS IN SPOTLIGHT (PART 2) 15:40 Future of ATM business Mr. Peter Géc, Infinity Consulting

Evolution of ATM networks and solutions

for cash withdrawal

ATM : generator of fees

With or without the card

Branch extension or stand-alone revenue

stream 16:05 How to solve the problem of mobile

payments fragmentation at the national level Mr. Adam Tencza, Central and Eastern Europe

Division Manager, SIBS International

Infrastructure

Value added for the clients

A quick adoption to the electronic payment

ecosystem

16:30 End of the Conference 17:00 Cocktail Reception

08:30 Registration SESSION 5: PAYMENTS, FRAUD AND

CYBERSECURITY – WHERE ARE WE? 09:00 The re-opening of 4MLD Dr Qazi Jalisi, Senior Legal Advisor, Electronic

Money Association

Review of 4MLD CDD obligations for e-

money

Options considered

Likely way forward

Timetable for change

09:25 SWIFT global payments innovation initiative Ms. Marjan Delatinne, Business Director, SWIFT, Belgium

What is the global payments innovation

initiative about?

How will it improve the corporates’ cross

border payments experience?

What are the benefits for banks?

When can we expect the first results?

How are banks involved in this initiative?

Which banks have joined the initiative?

09:50 Fraud risk mitigation in Payments and Direct

Debits Mr. Roman Hains, Director of Banking Operations,

VÚB, a.s.

Payments and number of frauds in SEPA

area

SEPA DD B2B scheme - different

understanding of Rulebook

SEPA B2B Fraud and its mitigation

SEPA instant paymemts and open

questions for Banks

10:15 The rising mobile threat landscape Mr. Szabolcs Hallai, CISA, CISM, CITRM C|CISO

Partner, IT Business Consulting Hungary LTD

Mobile threat – The profitkiller

Anatomy of a hacked mobile device – The

rise of the DARK INTERNET

Attack on mobile data network – Is

transaction confidental?

How to prepare your organisation for risk

handling

10:40 Coffee break SESSION 6: FUTURE OF PAYMENT SYSTEMS. FINANCIAL INSTITUTIONS AND THE ALTERNATIVE PAYMENT SYSTEMS – HOW TO BE PREPARED? 11:10 Automation of payment orders

Mr. Vladimír Ježek, Director, Payments Services Division, ČSOB, a. s.

Scanning and OCR

Payment orders cost cutting - case study

Migration to SEPA - case study

11:35 Wow your customer Mr. Peter Morong, Co-founder at Bank2

What are the key points to focus on during

the next year?

How to attract new customers using

innovative approach?

Why the fintech startups are disrupting

common banking industry? 12:00 Payments by Continents Mr. Dávid Győri, CEO, Banking Reports Ltd.

Africa: What is the next step after M-Pesa

Asia: What is the payments "miracle"

Samsung is working on in the background?

Europe: What is the mind-boggling

Vodafone-PayPal team-up all about?

USA: How did ApplePay lose the

momentum? 12:25 The payments roadmap: winners and loser

Mr. Mark O’Keefe, Director, Optima Consultancy

Who will win in the new regulatory and

technical landscape?

Exploring the shift in card and payment

economics

Will credit ever be the same?

Acquiring margins > 9 June 2016 (IFR

regulation)

Where are new players changing the

issuing customer proposition?

Are banks ready to be disintermediated?

Will it really happen? 12:50 Closing remarks, end of the Conference

19 may 2016 - day 2

www.e-moneyconference.eu

TIETO

VISIONA

SILVER SPONSORS

ORGANISERS

www.e-moneyconference.eu

BACEE was founded in 1996 with the goal of promoting

business relations of its member banks with financial

institutions of Central and Eastern Europe. To support

business expansion in the CEE region, which generally

represents a higher risk than in the developed economies,

BACEE is providing information and analytical services on

country and bank risk in Central and Eastern Europe.On

the other hand, BACEE provides consulting services to its

CEE member banks which want to develop a more active

presence in international markets. These services include

suggestions regarding business policies, transparency,

presentation of the banks’ documentation to foreign

counterparts, pre- and post-rating advisory services,

attraction of credit lines from foreign banks and

international financial institutions and preparation for sale

to foreign investors. BACEE holds regular seminars,

conferences and training courses to share its experience

with the broader banking community.

28 banks from 18 countries are members of BACEE.

BANKING ASSOCIATION FOR CENTRAL AND

EASTERN EUROPE (BACEE)

Mr. Istvan Lengyel, Secretary General

Address: Budapest Office

Feszty Arpad utca/str. 2., H-1013 Budapest, Hungary

Telephone: +361 356 8581 or +361 212 62 10

Fax: +361 212 0313

E-mail: istvan.lengyel@bacee.hu or bacee@bacee.hu

www.bacee.hu

The Institute of Banking Education of the National

Bank of Slovakia, n. o. provides qualifications upgrading

and skills enhancement for the financial sector employees.

As an independent legal entity it has been established by

the NBS to meet the demand for education and training

generated by financial markets, and, in particular, by the

NBS. IBV NBS n. o. offers a diversity of approximately

120 courses focusing on the banking system, bank acco-

unting, bank supervision and regulation, payment

systems, financial markets, as well as management and

language training. The Ministry of Education, Science,

Research and Sports of the Slovak Republic has approved

several continuing education programmes on financial

literacy for primary and secondary schools conducted by

the Institute. Its services provided at high professional

standard are in compliance with the ISO 9001:2008

quality management system. Following the NBS

authorization the IBV NBS, n. o. is an administrator of

middle-level intermediaries and financial advisors

professional qualifications examinations as well as the

exclusive administrator of higher-level professional

qualifications examinations according to the current Act

on Financial Intermediation and Financial Counselling. The

Institute has also been authorized to administer actuarial

examinations.

INSTITUTE OF BANKING EDUCATION OF THE

NATIONAL BANK OF SLOVAKIA, n.o.

Mr. Peter Szovics, Director

Address: Tomášikova 28/a

821 01 Bratislava 2, Slovakia

Telephone: +421257873532

Fax: +421243639314

E-mail: peter.szovics@nbs.sk or ibv@nbs.sk

www.ibv-nbs.sk

PLEASE CONTACT US FOR FURTHER INFORMATION:

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OUR UPCOMING EVENT

SAVE THE DATE!

4th International Anti-Money Laundering and

Financial Crime Conference

1-2 December 2016

Bratislava, Slovakia

Set a mark in your calendar!

We invite you to visit our website for updates:

www.amlconference.eu

We look forward to meeting you again!

Please contact us for further information:

bacee@bacee.hu

+361 356 8581, +421 25 787 3530