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In his current role, Daniel is in charge of business development, thought leadership, innovation, events and educational activities. He runs the association’s working groups, the EBAday conference and EBA’s professional training seminars and schools.

Daniel completed a first term of office as Head of Communications and Corporate Governance at EBA CLEARING from 2002 to 2012.

From 2001 to 2002, Daniel was a Payment Systems Advisor to the European Banking Federation (EBF) in Brussels.
He began his professional career in 1994 with SWIFT in Brussels. Daniel holds graduate degrees in business administration and management from Boston University, Mass. and from the University of Brussels.

Ulrich Loof is Associate Director (Senior Manager Corporate Solutions) in Department – Transaction Management at DZ BANK AG

Professional Background:
Study completed in 1997 (business graduate)
1997/1998 – GVS (cooperative association Saxonia)
1999-2001 – DG BANK AG (paymenmts department)
2001-2003 – DZ BANK AG (payments department)
2003-2007 – TAI AG (payments processor)
2007-2012 – Equens SE (payments processor)
2012 – DZ BANK AG (payments department)

Founding member and deputy Chaiman of Westhafen Expert Dialogue (roundtable for experts from corporates, banks & service providers around Instant Payments)

Experienced network leader and analyst in financial services and IT.
Focus on strategy, innovation and development with strong combination of innovation theory and practice including an industrial PhD in collaborative innovation. Practised event moderator with large Danish and International network in the Fintech Area Background in economics (master in economics and e-mba) and experience in financial services, digitization and IT.

Anthony is CEO and Founder of Open Banking Delivery, a consultancy dedicated to the development and growth of Open ecosystems. A senior manager with 20 years experience, he worked in the UK’s OBIE for 2.5 years supporting all participants – TPPs getting their services to market and ASPSPs obtaining PSD2 compliance.

Currently –

• Advisor to Chicago Associates, OB Brasil (equivalent to OBIE) providing practical expertise, strategic guidance. Created the ‘mentorship’ programme.
• Work with Inter American Development Bank (IDB) to create Phase 3 (credit) API designs and a Data Dictionary for OB Mexico.
• Leader, research projects into Financial Inclusion, Sustainability & Green Finance.
• Designer, ‘agile’ method for through-lifecycle ecosystem delivery.

I move finance towards digital age: Platform scale, Beyond banking, API, chatbots, Payments, …
With great understanding of both banking business and latest technologies, I provide ideas and realise new activities, projects and products for financial companies.

Twitter: https://twitter.com/stepan_kouba

Specialties: Design Thinking, Product and Customer Development, Digital strategy, API, SME / Corp. pains and problems, Product development, Banking, Web Development, Project management, SW development, Consultancy.

More than 20 years of experience in IT for Financial services, I always like to work out of my comfort zone assuming new challenges and learning new ways of doing.
As responsible of the technological strategies in my company, I know how important is to ensure the proper technical decisions without forgetting the relevance of creating the adequate processes framework to support each specific situation.
As leader, I am a believer of the team work and the benefits of the diversity in the teams. The differences in terms of gender, nationality and age enrich massively the environment.
I work continuously with my team to find the proper role for each one, there is always a place where the people contribution can be maximise and if you find it that helps not only in the contribution but also in the health and quality of the team.
My horizontal background, working in different areas of the company and my years as consultant help me to have a global view and understanding of the Banking systems and processes as well as the organizational and budget component behind an IT company. I am flexible, committed, with high capability to adopt the change, willing to support and always looking for new challenges.

Markus Müller is Global Head of the Chief Investment Office of the Private Bank, Deutsche Bank AG. In June 2022 he took over the role of Chief Investment Officer ESG in addition to his current function.
Markus is a member of Deutsche Banks Group Sustainability Council.

Markus began his career at Deutsche Bank in DB Research as executive assistant to the chief economist. During his studies at Muenster University in Germany, he acquired broad international experience with focus on China, later working as an Economist at Allianz Life Insurance in Shanghai. Markus has held teaching posts in corporate finance and economics, being a visiting scholar at the Frankfurt School of Finance and the University of Bayreuth as well as at the Banking and Finance Academy of the Republic of Uzbekistan in Tashkent. In April 2017 Markus Müller was asked by Germany’s Federal Ministry for the Environment to join the advisory board of the “Carbon Bubble” project, which assessed and evaluated the risks of the transition towards a low-carbon economy for the German financial system.

In January 2019 Markus Müller published his first book under the title „Neo-Ordoliberalismus – Zukunftsmodell für die Soziale Marktwirtschaft“ at Springer-Gabler. His recent book he published in May 2021 under the title “Deutschland und China zwischen Kooperation und Konkurrenz”.

Transforming the way people and businesses interact with financial services. All my professional career has pivoted around the introduction to market of high-tech products and services for the financial sector.
The evolution from technical roles to management, through project management and then sales and marketing, has allowed me to remain rooted in the basic foundations of the business.
I’ve had the opportunity to collaborate and work with fantastic professional s to help bring to the market innovative services like electronic payments, mobile banking, electronic invoicing and Account Information Services.
My main goal in life is to enjoy the ride, which is something there is plenty of in managing Eurobits.
One of the achievements I am most proud of is the first Account Information Service in Europe which we have been offering through Eurobits since 2.004.
Specialties: High tech startups, Internet, Innovation, account aggregation, electronic invoicing, Banking.

As of September 1, 2022, Camilla was appointed Secretary General of the Nordic Payments Council (NPC), as main objective is to contribute to harmonised payments in the Nordics. With 30 years of banking experience, most of which has been focused on payments and clearing and settlement mechanisms, Camilla has most recently been deeply involved in the P27 project and took part in designing the new harmonised Nordic payment infrastructure based on ISO 20022. She has also participated in various central bank initiatives as an expert.

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is a Member of the Board of the European Payments Council and he is a member of the Commission’s Payments Systems Market Expert Group and the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Joris Hensen is responsible for the Deutsche Bank API Program, which he co-founded in 2015. The Developer Portal of Deutsche Bank gives partners quick and easy access to more than 40 API products, enabling them to connect personalized apps and services and thus open up new areas of value creation.

Joris Hensen sees himself as an intrapreneur and is dedicated to exploring how Open Banking and Embedded Finance can change and improve people’s lives.

In his more than ten years at Deutsche Bank, Joris Hensen has worked as a project manager on various international projects. Early on, he became enthusiastic about innovations and trends and set up a corporate foresight program, in which he developed future scenarios and innovation strategies for Deutsche Bank. He has also been a guest lecturer at the Zeppelin University in Friedrichshafen on the topics of foresight, innovation and design.

Wijnand Machielse is European Markets Director at SRC Security Research & Consulting and is an editor and moderator of Berlin Group openFinance. He has more than 25 years of experience and expertise in conception and implementation of complex transaction systems, in interbank (card) processing, clearing systems and scheme services, and in retail-banking IT standardisation at a European and international level. He holds a master‘s degree in computational linguistics from Utrecht University, the Netherlands.

Successfully promoted use of electronic signatures and electronic business processes throughout Europe. Adviser and technical expert to European Commission for instituting Regulation 910/2014 (#eIDAS) on electronic identity assurance and the design and roll-out of European, cross-nation e-procurement platforms and operations.
Implemented within the business model and the technical structure of CAs the European Telecommunications and Standards Institute (ETSI) standards for authentication, encryption, signing, time stamping, archiving and auditability.

Pilar Fragalà has more than 20 years of experience as an educator, researcher, and consultant in the banking field. She has obtained over the years vast experience in the financial sector, with a profound knowledge of traditional and innovative business models in the area of Transaction Banking.

Born in Rome in 1976, she graduated in Economics at the University of Rome “La Sapienza” with a research thesis on the synergies of “Multifunctional Banking Groups” following which she continued her collaboration with the University, teaching in a course on Banking Law. Over the years, she accrued extensive and transversal experience in the banking system, moving from Banca Mediolanum to ABI and – from an initial experience in CBI – to a lengthier tenure experience at BNP Paribas Group in BNL, where she also held the position of a board member of one of the Group’s entities. Since 2020, she is Chief Commercial Officer at CBI S.c.p.a., in addition, to being an advisor to the Board of Directors of XBRL Italy.

Dr.-Ing. Torsten Lodderstedt is managing director of yes IDP GmbH with more than 15 years experience in running large scale consumer identity services. In his previous positions, he helped organizations in public, banking, railway communication, and telecommunication domains to implement highly-scalable and secure services.
Torsten regularly contributes to identity standards, currently focussing on decentralized identity, eIDAS, and global identity networks. He is co-author of OpenID for Verifiable Credentials and OAuth 2.1 and co-chairs the GAIN PoC community group.

Claudia (Helbig) Wiese worked in digital banking for over 8 years. Currently, she is working as the Head of Transaction Banking Operations at SolarisBank in Cards, Payments, Reconciliations, and Card Fraud Management Operations.

Before joining here, she was working as a Head of Banking Services at Fidor Bank in leading card management, fraud operations, and technical support teams. She has graduated from FOM University of Applied Sciences for Economics and Management in Bachelor of Science (BS) in Business Administration and Economic Psychology.

Experienced & effective senior manager, with 20+ years international experience in Banking, Payments, Investments and
Corporate Treasury. Strategic and well-versed in business transformation, with successful results in finalizing innovative
projects, growing new & profitable businesses, addressing complex regulatory challenges, and building & leading high-
performing teams.

Slovenia – Led and implemented product & segment strategy for massive turnaround of Nova KBM (2nd largest
bank)
▪ Simplified the product & segment structure with a 70% clean-up of legacy products and ensured profitability of all segments.
▪ Migrated all retail and corporate products onto a single core platform, built for scale. Successfully completed the full operational merger of 4 banks and increased bank-wide digitalization.
▪ Launched Mobile wallet to cover SCA and local Instant payments solution.

• UAE & Bahrain – Launched consumer treasury desk for Citibank’s retail segment and repositioned bank’s approach to gain more from FX revenues

• Romania – Built from scratch wealth management capabilities for Citibank reaching
▪ Designed and implemented investment & treasury products, asset allocation tool & eBrokerage platform.
▪ Worked with mutual fund houses for an open architecture: Pioneer Investments, ING, Franklin Templeton, Allianz, Blackrock.
▪ Treasury dealer on FX & IR hedging solutions for SME and MME segment.

As a Product Owner for API Banking, Sanja is responsible for driving API-First and Customer-First Strategies at Commerzbank. Together with her team she has been delivering more than 50 APIs, mainly in the Loans and Payments domains. Sanja is committed to drive the digitalization of various banking processes with the help of APIs in the online and mobile banking. One of the success stories includes the end-to-end online consumer and mortgage loan application process with APIs in an internal and external scope. Furthermore, she is also managing various technical software components such as extensions for automated API Deployments/Testing and Webhook as well as representing Commerzbank in the Berlin Group which supports the standardization of PSD2 APIs and Open Finance APIs in the European Union. Sanja started a Commerzbank trainee program as a post graduate from Frankfurt School of Finance & Management 4 years ago.

Experienced Product and Process Manager with a demonstrated history of working with IT risk and security in the banking industry. Highly skilled in IT and Information Security, Management, Business English, Networking, Knowledge Management, and Leadership. Strong business professional with an MBA and a Doctorate with a practical focus on Security for Bank customers in combination with Business management, IT Security and leadership from University of Liverpool.

Aidas Malakauskas is a professional in financial services industry with a background in IT. Being responsible for the automation of credit origination process, Aidas has been dealing with both process and product specific transformation activities as well as IT developments.

I have been in digital banking for 20 years in quite digitally developed environment in Turkey. This includes 2 of top 5 biggest banks and Citibank which had worldwide retail presence.

I had the opportunity to see closely how digital banking evolved among banks in years, from simple transactions to p2p payments without bank account, investments, getting e2e products, account opening remotely etc. Currently i work for Nova KBM Slovenia which have become the best digital banking in the country including neobanks with intense strategic plans. We continuously seeking innovation and development with agile process.

Banking has been one of the most positively effected sectors in digitization and I believe in the future, digital will take place further in banking activities even highly regulated industry,

Roger Wisler is a Business Project Manager for Digital Initiatives in Open Banking, FinTech Market and Digital Ecosystems within Products, Services & Directbanking, Multichannel Management at Zürcher Kantonalbank. He is also a Board Member of the OpenWealth Association, representing the interests of Zürcher Kantonalbank for the implementation of API projects.

From July 2019 – January 2023, Emile Hennequin was active in ABN AMRO’s Open Banking (OB) team with focus on transaction banking, responsible for Sales and Partnerships of commercial APIs.

As of January 2023 he is heading a cash management sales team in the segment of large corporates, including the sales of commercial APIs. Prior to these jobs, Emile was active in various positions in cash management sales, consulting and relationship management at Fortis Bank, ING Bank and MeesPierson.

I am a Cash Management and Payments expert at Raiffeisen Bank International with 15+ years of experience in (Technology-) Consulting, Corporate Banking and Payments Fintech industry.
I had leading parts in various international implementation projects of large platform solutions and have vast experience in digitization projects in the multinational corporate- and transaction banking sector.

KEY AREAS OF EXPERTISE
• Cash Management innovation and implementation
• Open API banking
• Corporate & Digital Payments
• Payment Service Providers

Andrew has nearly a decade of experience researching account-to-account payment systems globally and has supported numerous industry players on six continents, including clearing houses, payment associations, government regulators, technology providers, and various fintechs. He has advised clients on topics as wide-ranging from ACH migration to real-time payments, cross-border payment regulations, data standards, global payment system modernization, and account-to-account payment fraud.

Andrew is a member of various payment associations, including the Frankfurt Payments Network; the US Faster Payments Council, where he is a member of three working groups and the Board Advisory Group; and the Payments Innovation Alliance Advisory Committee for Emerging Payments. Andrew has presented at various payment conferences, including Nacha’s Smarter Faster Payments (2018 & 2022), the Payments Innovation Alliance meetings, the Frankfurt Payments Network, and various smaller conferences held by regional payment associations in the United States.

Andrew completed his dual bachelor’s degree in political science and history at the University of California, San Diego and his master’s degree in public policy at the Hertie School of Governance in Berlin, Germany.

Established digital product manager, marketer and demand generation specialist, driving lead generation and pipeline across 1:M, 1:F, and 1:1 GTM motions.

Horizontal and vertical solution marketing pioneer driving inbound/organic funnel generation.
Extensive copywriting expertise across B2B and B2B2X settings.

Identity and access management (IAM), digital privacy, verticalisation evangelist.

Proven experience of human-centered design, Scrum Agile and Lean Start-up as part of co-located and globally dispersed product teams.

Extensive experience of pre-sales, direct and channel sales enablement. Alliance Partnership value proposition and GTM design & execution.

Robert Pertschy is the Lead of Business Development for the DACH Region of Bitpanda Technology Solutions. Holding an MSc in International Business Development, Robert gained seven years of experience consulting for the financial services sector. He then joined Bitpanda in April 2022 to seek new challenges and play an active role in reshaping, disrupting and innovating the financial market. Robert now strives to implement Bitpanda’s Technology Solution throughout Europe and beyond to make investing in digital assets easy and accessible to everyone.

Possessing proven over performance for sales of new and disruptive technology such as open banking platforms, age verification applications, identity products, SaaS, premium domains and payments products and ISP services. Built and managed high performing sales and marketing teams of 10 and up and managed the sales and marketing globally for several companies.

Technology skills include: Open Banking platforms, Age and identity apps and services, Premium Domain names and Registry services, ISP services, Capital equipment sales and support, Blockchain, Decentralised Identity, Digital wallets and stablecoin, Location based services, Micro-payments.

Steve has co-founded and exited several businesses in his career, delivering millions in revenue and substantial shareholder returns during that time.

He was co-founder and Sales Director of Oneview.net plc which listed on the London Stock Exchange via an IPO in 1999. At the time of its sale for over $200 Million in March 2000, it had grown from inception to over 450 employees in just 20 months.

In addition, Co-founder and CMO of AVSecure LLC, a main board director and CSO for ICM Registry, and has worked alongside governments, regulators and policy makers across the world.

Also, he has been a Council member and key advisor to the UK Government with the Digital Policy Alliance that meets in the House of Lords in Westminster, frequently.

Martin Schäffel is Senior Strategic Account Manager at Gini. Gini revolutionizes the financial industry with its payment solutions and intelligent data extraction for banks, insurance companies, and eCommerce.
Martin brings in his experience of 30 years in the IT Industry, where he held different sales positions in companies like BMC, Capgemini, and Oracle.
Dedicated to innovation, he engaged with his customers since his first days in IT to rethink, reshape and innovate their business processes to become industry leaders.

Steve Pannifer is Managing Director at Consult Hyperion, who are specialists in digital identity and digital money. At Consult Hyperion, Steve has worked with card schemes, banks, mobile operators and others developing innovative products and services exploiting new technology. Steve is a well known expert in digital identity having worked on numerous digital identity initiatives around the world.

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).