Principal solution consultant for ACI Worldwide , I assist financial institutions and payment intermediaries across Europe develop their immediate payment strategies and value propositions.
I have worked in the payments industry for over 20 years, developing skills and expertise in transaction banking and consumer payments. As part of ACI’s global team of experts that monitor and analyse industry trends across the payments ecosystem I understand the opportunities that disruptors such as Immediate Payments, SEPA, Payment Hubs, Swift, Blockchain, and PSD2 offer ACI’s customers. Based in Italy, I have consulted on a number of industry forums and I am currently involved in the EBA Open Forum on Instant Payments.
José-Luis Langa got a degree in Economics in the Complutense University of Madrid in 1989 and completed the PhD studies on Economic Finance in the Autónoma University. In between, he qualified in a public competition to get a position in the Central Bank of Spain in 1990. Since 1992, he has been participating in several national and international committees dealing with Payment Systems at the European Central Bank, SWIFT, BIS and other bodies.
In 2000 José Luis was appointed Managing Director of the Interbank Payment Service. In 2005, when the later company was transformed to create Iberpay, he acted as its interim Managing Director. His current position in Iberpay is Deputy Managing Director where he is responsible for international and business development areas.
He is member of the following groups:
President of the European Automated Clearing House Association (EACHA)
Advisory Group on Market Infrastructures for Payments at European Central Bank
Euro Cyber Resilience Board at European Central Bank
Scheme Technical Player Multi-Stakeholder Group at European Payments Council
CPMI workshop on cross-border payment service level agreement and schemes at BIS
Latin American Clearing House Association
Spanish Payments Council
Cash Committee at Spanish Central Bank
Team Lead of the TIPS Evolution Team at the European Central Bank (ECB). In the past, covering positions in Banca d’Italia and the European Central Bank, he has contributed to the preparation and the management of operations of TARGET2 and T2S. In 2017, he joined the TIPS team at the ECB and is actively contributing to all the major dossiers related to the instant payment solution of the Eurosystem. Particularly involved in all the activities that led to the implementation of the pan-European reachability package that made of TIPS the backbone for the entire infrastructure for instant payments in euro.
Petia took over the role Director for Payments, Risk Monitoring and Financial Literacy of the Oesterreichische Nationalbank (OeNB) in February 2021. She leads the payments strategy and policy as well the work on the digital Euro project within the central bank of Austria. She is member of ECB’s Market Infrastructure Board, chairs the National Payments Committee. Prior to her role in the Austrian National Bank, Petia had several management positions in one of the biggest Retail Banks in Austria, served on the board of EBA Clearing as well as national and international payments bodies. She has more than 15 years of professional experience in payments and banking and holds a master degree in investment banking from Vienna University of Economics.
Stelios joined the Central Bank of Cyprus (CBC) in 1992, after qualifying as a Chartered Accountant with Coopers & Lybrand (now PwC) in the UK. In January 2013 he became the Head of the Licensing and Regulatory Compliance Section of the Supervision Division. As such, he negotiated the AML action plan with the Troika relating to the banking sector, and oversaw its successful implementation. With the introduction of the Single Supervisory Mechanism (SSM) of the European Central Bank, he became responsible for the On-Site Inspections, the AML/CFT supervision and the prudential supervision of credit, payment and e-money institutions that fall outside the scope of the SSM. In March 2017 he became Head of the supervision of significant and less significant credit institutions. He was the CBC member of the EBA Board of Supervisors and alternate member of the Supervisory Board of the SSM. As of 1 November 2020, he is Head of the Financial Market Infrastructures & Payments Department. Stelios also holds a B.Sc.(Hons) in Civil Engineering and an MBA.
Francis is Heading the Industry Engagement for Global Cash Management.
Before he was heading the SEPA offering for the BNPP Group and taking care of the Payment Regulations related to Cash Management.
He has held several different senior managerial positions and was member of the board at AGF Belgium Bank.
He is a payments and clearing expert and was involved in the SEPA process since the start.
Francis is a member of various industry committees and represents BNP Paribas in several forums related to development of payments, e-payments and cash management, including the EPC, Swift and EBA Clearing.
He is EPC Scheme Management Board member, was member of the ECB-TIPS Task Force and co-chaired the ERPB e-mandates working group. Currently he is an active member in the SEPA Request to Pay project, and the IXB initiative
Tamara Ferreira Schmidt is executive director of the Digital Euro Association (DEA). She is specializing in Financial Engineering, Capital Markets and Derivatives with over 15 years of experience. The Alexander von Humboldt Foundation granted her the German Chancellor Fellowship to research the impact of alternative financing on the Brazilian and German early-stage entrepreneurial ecosystems. Consultant and creator of personalized content about investments, startups, innovation, digital currencies and blockchain, Tamara has already lectured at Brazil-Germany Fintech eTour, TEDx KanzlerPark, Web 3.0 Disruptors Week, Crypto Assets Conference, Digital Euro Conference, among other events.
Daniela Eder based in Frankfurt, is responsible for the strategic delivery of European business origination in cash management and payments for Barclays Bank Ireland PLC. She leads a team of highly skilled cash management professionals across 9 locations within Europe, focused exclusively on providing innovative payment and cash management solutions to clients with European business needs.
Daniela joined Barclays Bank Ireland PLC from BNY Mellon Frankfurt in 2020, where she previously held various roles across Relationship Management, Product Development and Network Management. Daniela has over 30 years of experience in transactional banking, including cash management, global payments, liquidity optimization and risk management. Having successfully implemented new payment systems several times over the course of her career, she has a deep passion for innovation and technology that enables clients globally to successfully manage their financial needs.
I am the Head of Service Development and Management at EBA CLEARING, the leading provider of pan-European payment infrastructure solutions, owned by 48 of the major banks operating in Europe.
I am a thought leader in European retail and high-value payments, specialised in program management, product development, relationship management and executive management with over 22 years of experience in the payments industry.
Thomas is responsible for leading and executing the commercialization strategy for global Instant Payments solutions as part of the Citi Global Domestic Payments team. In this position, Thomas’s primary role is to leverage his payments expertise to help build and promote instant payments solutions that are of value to clients. Thomas has worked in transaction banking for over 9 years, primarily based in London, across both Sales and Product. Thomas has a Master’s degree in Economics from the University of Warwick and is Cert ICM qualified with the Association of Corporate Treasurers.
– Head of Payment Schemes, Svenska Handelsbanken (2022 – present)
– Member Board of Directors, EBA Clearing (2022 – present)
– Member Scheme Management Committee, Nordic Payments Council (NPC) (2022 – present)
– Member SEPA Request-to-Pay Task Force, European Payments Council (EPC) (2022 – present)
– Secretary General, Nordic Payments Council (NPC) (2019 – 2022)
– CEO, Swedish Payments Council (2017 – 2019)
– Head of Payment and Clearing Products and Services, Bankgirot (2014 – 2017)
– Product Manager Mobile Payments/Swish, Bankgirot (2011 – 2014)
– Key Account Manager, Bankgirot (2009 – 2011)
– Business Consultant Financial Services, Logica (CGI), (1997 – 2009)
Francois is Head of Payments Go-To-Market for Europe at Swift. Based in Belgium, he is mainly responsible for supporting global business product programmes including Swift gpi, ISO 20022, transaction management, SWIFT Go and Swift’s instant & frictionless strategy for the European market.
Prior to his current role, Francois was involved in a number of large payment initiatives in the European market: SWIFT transaction manager roll-out and global adoption of ISO 20022 for CBPR+, the renewal project of T2/ESMIG (the pan-European RTGS) and instant payment solutions.
Francois joined SWIFT in 2016. Prior to joining Swift, Francois held various finance & treasury roles in the telecom industry as well as being a senior Auditor at PwC.
Head of Payments, Cash Management and Open Banking, with 20+ years of experience in both Traditional and Digital European banking, Giancarlo is directly member or indirectly involved in all main committees and entities in payments and open banking area. CBI Board Member, Italian Payment System Committee representative (both Comitato Pagamenti Italia and Comitato Tecnico Servizi di Pagamento) he is part of PSMEG (Payment Systems Market Expert Group) @ European Commission since July 2021.
o In Payments since 2007
o Lead Operative Payments experience from areas like
o E-mobility & charging
o TV & Media
o Lead and build up the payment infrastructure at e.g.
o elli – brand of Volkswagen Group and in charge of all ev & charging Business for the brands Volkswagen, Audi, Seat, Cupra & Skoda
o hagebau connect, in charge of all e-commerce activities of the Hagebau & Werkers Welt Group (340 DIY Stores in western Europe)
o ProSiebenSat.1 Games, brand of ProSiebenSat.1 Media AG and in charge of all online Games related topics
o Build up Risk & Fraud Strategy
o Set up 360 Degrees omnichannel Strategy at hagebau connect
o requested for 2023
o Payment Exchange, Berlin about Checkout Processes
o Pay 360, London
o Savant Checkout Payment Conference, Amsterdam
o As Speaker in 2023 part at
o Mobile Payment Exchange -MPE-, Berlin
o As Speaker in 2022 part at
o Payment Exchange, Berlin about Risk & Fraud
o Payments Leader Summit, Amsterdam about Risk & Fraud
o Pay 360, London about …
Igor is currently serving as the Lead Solution Consultant for Finastra payment products, while specializing in payments, Fintechs and innovation topics. He collected his extensive experience
with SEPA/SEPA Inst, Payment Service Directive 2, T2/T2S-Consolidation, and API banking, having worked on various related projects at renowned management and technology consulting companies before joining Finastra.
Guy Moons is the head of the international solution consultants on enterprise payment processing solutions for FIS. He comes with over 30 years’ experience in the payment and transaction banking industry. Throughout his career, he has been focused on defining payment solutions that will enable banks to streamline their payments processing and has been instrumental in leading payments transformation for the world’s top banks. He is a frequent speaker at conferences and events and is a recognized industry expert in the enterprise payments space. His expertise covers instant, domestic and cross-border payments, realtime payments, ISO 200222 migration, PaaS and Request to Pay.
Serial fintech entrepreneur and angel investor. Fernando founded (2014) and sold (2018) Aplazame, Spain’s leading BNPL to Wizink bank. Currently CEO and cofounder of Devengo, an API for instant payments orchestration. As angel investor, Fernando has made +30 investments and is currently Board member of Postpay, a leading BNPL in the mena region and of Inespay, Spain’s leading PISP.
Senior professional with over 25 years experience in the Payments Industry with a focus on Digital Commerce, Fraud and Identity Management, Payment and related Regulation Compliance. With a special passion for Payment Innovation, New Payment Models such as Marketplaces and Fintechs and Growth and Expansion Strategy.
Founder and Principal Consultant of Payment Options Ltd, Associate Specialist Partner at Be Shaping the Future, Global Expansion and Partnership Advisor at Thunes as well as NED at Trust Payments and at PaySME.
Held a number of executive roles: at Datacash (MasterCard) as an executive board member heading Strategy, Innovation, Partnerships and Marketing, earlier at Global Collect (Worldline) as a VP in charge of Partnerships and Alliances and prior to that at CyberSource (Visa) as a Head of EMEA, developing European markets and widening the payment product portfolio. Five years at Microsoft driving payments in the EMEA region as well as providing strategic direction to the Management in the USA.
Earlier in the career ten years at Visa International, across variety of roles from Relationship Management to Business Development in new digital payment technologies (smart cards and 3D Secure); working with multinational banks, processors, vendors and professional forums within Central and Eastern Europe, Middle East and Africa region (CEMEA).
Experienced Payment Advisor. Co-founder in 2022 of Quad Solutions Ltd, an IT services and consulting company serving banks, fintechs, central banks and institutions.
Served at UniCredit Group as Head of Payments Italy, Germany, Austria and Eastern Europe for 12 years with a demonstrated history of successful product innovation. Strong competences in SEPA, Instant and International Payments, Foreign Exchange,
Cash Management, Receivable Reconciliation, Virtual Accounts, AML, Pricing Models