DAY ONE – 18 November 2020

Venue: Online

08:55 – 09:00:

Welcome remarks by Elie Beyrouthy, Chair of EPIF.

09:00 – 09:20:

Keynote by Fiona van Echelpoel, Deputy Director General Market Infrastructure & Payments, ECB.

09:20 – 10:20:

Fireside chat at Executive level on current market developments.

Moderated by: Elie Beyrouthy, Chair of EPIF

  • Carlos Carriedo, Senior Vice President/General Manager Europe, Global Commercial Services, American Express
  • Massimiliano Alvisini, Chief Executive Officer WUPSIL, Head of Network EUCIS & Africa, Western Union
  • Marius Jurgilas, Member of the Board of the Bank of Lithuania
  • Paulette Rowe, CEO Integrated & Ecommerce Solutions at Paysafe

10:20 – 11:20:

Panel discussion on the Future of European Payments.

Following the publication of the Commission’s Roadmap on the Future of European Retail Payments, the panellists will be asked to reflect on this proposed EU work programme: Does it capture the policy priorities in Europe in the area of payments for the coming years? Does it appropriately balance the need for a seamless and secure payment experience for the customer, with innovation and competition in the sector?  Is this the time for Europe to reinforce its own payment solutions and how does this fit into the G20’s agenda for cross-border payments? What is the future for card-based, account-based, other digital, as well as cash payments in Europe? The EU will need to take strategic decisions in the autumn on the success of its instant payment scheme for credit transfers. How successful has this new scheme been? Has it set the standard for service delivery going forward? Does policy action on the European payment sector require new regulation or has the instant payment scheme demonstrated that the setting of common technical standards can be a powerful alternative?

Moderated by: Hartwig Gerhartinger, Chair of EPIF Technical Committee and Deputy General Counsel at Paysafe

In conversation:

  • Eric Ducoulombier, Head of Unit Retail Financial Services, DG FISMA, European Commission
  • Sam Hinton Smith, Public Policy, Stripe
  • Arunan Tharmarajah, Head of European Banking at Transferwise
  • Regis Massicard, European (SEPA) Payment Strategic Director at Ingenico Group
  • Jean Allix, Special Advisor, BEUC

Afternoon Session

15:30 – 16:00:

Interview with Etienne Goosse, Director General at the EPC, moderated by Nickolas Reinhardt, Head of the EPIF Secretariat

16:00 – 16:15:

Keynote introduction by Tyler Hand, Chief Compliance Officer at Western Union.

16:15 – 17:15:

Panel discussion Anti-Money Laundering: Ensuring security and strengthening the Single Market.

In early 2021 the European Commission is expected to present legislative proposals aimed at strengthening and harmonising the European rules and supervisory framework in relation to anti-money laundering and anti-terrorism financing. EPIF’s members have long been calling for more effective European rules, including enhancing the role and capabilities of the European Supervisory Authorities. The fragmentation of national regimes and the ability of Member States to impose their own idiosyncratic requirements when it comes to reporting and supervision had made AML one of the biggest cost factors in offering cross-border payment solutions in Europe but has not addressed all the vulnerabilities in the system. What elements of the current European AML framework would benefit from greater harmonisation? How could the rules be designed to incentivize payment service providers to continue to invest in new technologies, such as AI and machine learning? How do we ensure the AML rules do not create an inherent bias in favour of some payment solutions over others? How do we build confidence in a system both in Europe and internationally? How can the current trend towards systematic de-risking from certain sectors of the economy and the decline of correspondent banking relationships be reversed?

Moderated by: Konstantinos Maragkakis, CEO (EEA) Paysafe Prepaid Services Ltd  and Chair of EPIF AML Task Force.

In conversation:

  • Raluca Pruna, Head of Financial Crime Unit, DG FISMA, European Commission
  • Noé de la Rubia González, Financial Crimes Unit, Criminal Networks Sub-Directorate, Interpol
  • Eero Heinäluoma, Member of the European Parliament
  • Tyler Hand, Chief Compliance Officer at Western Union
  • Kate Salottolo, Vice President, Global Head of AML, Anti-Bribery and Corruption and Brand Risk Management at PayPal

17:15 – 17:20:

Closing by Loreta Liutkutė Habchi, Vice Chair of EPIF and Vice President, Head of Public Policy and Regulatory Affairs Europe at Western Union.

DAY TWO – 19 November 2020

Venue: Online

09:55 – 10:00:

Opening remarks by Elie Beyrouthy, Chair of EPIF.

10:00 – 10:30:

Fireside chat with Dirk Haubrich, EBA and Nickolas Reinhardt, Head of the EPIF Secretariat.

10:30 – 10:45:

Keynote introduction by Ondřej Kovařík, Member of the European Parliament and rapporteur of the Digital Finance Report.

10:45 – 11:45:

Panel discussion on Innovation: Empowering the customer

The European Commission’s Action Plan on Digital Finance, includes a number of important initiatives of direct impact to the payments sector. EPIF has long been advocating for common and standardised online Know Your Customer solutions within the Single Market. The experience of implementing the anti- money laundering and anti-terrorism financing requirements but also the strict anti-fraud requirements under the revised Payment Services Directive (PSD2) have led to high compliance costs for the industry. What could EU-wide eID and KYC solutions look like? What regulatory barriers would need to be overcome within the EU in a cross-border context? What would be the appropriate governance arrangements? The other proposed innovation of the Digital Finance Action Plan is the move towards Open Finance. If implemented consistently, this could empower customers to have more choice between financial services providers and easily switch between providers, including for their payment services. The concept of Open Finance has already been introduced into the PSD2. What can we learn from this experience?

Moderated by: Loreta Liutkutė Habchi, Vice Chair of EPIF and Vice President, Head of Public Policy and Regulatory Affairs Europe at Western Union

In conversation:

  • Jan Ceyssens, Head of the Digital Finance Unit, DG FISMA, European Commission
  • Ondřej Kovařík, Member of the European Parliament
  • Trygve Ilkjær, Vice President, Head of Brand & Stakeholder Management & Communication Partners, Nets
  • Krzysztof Korus, Polish Payment Institutions Association (PONIP)
  • Trisham Chundunsing, Senior Manager, Payments Public Policy EMEA, Amazon

Afternoon Session

15:30 – 16:30:

Fireside chat on innovation, technology and forward looking issues.

Moderated by: Elie Beyrouthy, Chair of EPIF

  • Megan Bramlette, Director, EU Payment Acceptance, Amazon Global Payments
  • Oscar Berglund, Chief Executive Officer at Trustly
  • Mike Benchimol, Chief Operating Officer at

Closing remarks by Elie Beyrouthy, Chair of EPIF.