09:00 – 09:10

Welcome remarks by Elie Beyrouthy, Chair of EPIF and Vice President European Government Affairs, American Express

09:10 – 09:40

Keynote speech by Mairead McGuinness, Commissioner for Financial Services, Financial Stability and Capital Markets Union

09:40 – 10:00

Keynote speech by Eero Heinäluoma MEP, Rapporteur for the AML Regulation

10:00 – 10:45

High level panel with Executives: Making the seamless payments experience a reality

• Chirag Patel, Global CEO for Digital Wallets, Paysafe
• Christian Hamberger, Managing Director, Western Union International Bank
• Megan Bramlette, Director, North America and EU Payment Acceptance, Amazon
• Juan Orti, Country Manager Spain, Head of Card Services Spain and Benelux, American Express

Moderator: Elie Beyrouthy, Vice President European Government Affairs, American Express and Chair of EPIF

10:45 – 11:00

Coffee Break

11:00 – 12:00  

Panel on PSD2 reform and Open Finance

In anticipation of the upcoming legislative proposals in early 2023, the European Commission has recently undertaken a consultation on a possible revision to the Payment Services Directive (PSD2), as well as on a new data sharing framework in the EU. With the advent of the Digital Economy and the landscape of payment services providers becoming increasingly diverse and competitive, how should the EU adapt its regulatory and supervisory framework?

What improvements should we aim for in the PSD2 review? Should we look at a targeted reform or an overhaul of the regulatory framework by, for example, merging the PSD with the E-Money Directive? Is there scope for greater harmonisation by changing aspects of the PSD2 to a Regulation? How should the PSD2 interact with other existing or upcoming rules on data privacy, digital wallets or crypto assets? Has open banking delivered? Should open banking be extended beyond payments and would the SEPA API open access scheme offer a good solution? What is the best way of addressing issues such as customer consent, authentication, security and revenue distribution?

 Speakers:

• Eric Ducoulombier, Head of Unit, Retail Financial Services, DG FISMA, European Commission
• Jan Vermeulen, Coordinator Retail Payments, Prudential Supervision and Oversight, National Bank of Belgium
• Brian Curran, Senior Vice President, Elavon
• William Olgiati, Head of EU payment acceptance and experience, Amazon Pay
• Ignacio González-Páramo, Global Head of Regulatory Compliance, Thunes

 Moderator: Hartwig Gerhartinger, Senior Vice President, Global Head of Regulatory and Government Affairs, Paysafe

12:00 – 12:30

Fireside chat with Isabelle Clairac, CEO, MarketPay, on behalf of Eurocommerce, and Elie Beyrouthy, Chair of EPIF and Vice President European Government Affairs, American Express

12:30 – 13:30

Lunch Break

13:30 – 14:00

Fireside Chat with Etienne Goosse, Director General, European Payments Council and Nickolas Reinhardt, Head of the EPIF Secretariat

14:00 – 14:30

Fireside Chat with Ulrich Bindseil, Director General, Market Infrastructure and Payments, European Central Bank and Nickolas Reinhardt, Head of the EPIF Secretariat

14:30 – 15:30

Panel Discussion: Innovation/new trends in Payments

The transformation of European payments is driven by many factors: technological innovation, new customer preferences and demand, increased competition, regulatory changes and global integration. The panel will explore some common trends in the market, such as the rise of merchant initiated solutions and request -to-pay, buy now pay later products, the use of new authentication tools and central bank issued currencies. These are intended to complement rather than replace existing modes of payment.

How do these market developments shape public policy debate? What are the opportunities and risks from this market innovation? How do we ensure regulation works with innovation and does not stifle it? What does the concept of technological neutrality mean in reality? What do merchants and retail customers expect from the industry?

Speakers:

• Céu Pereira, Payments Team Leader – Retail Payments strategy, DG FISMA, European Commission
• Helene Oger-Zaher, Manager – Payments Policy, Financial Conduct Authority
• Martijn Vliegenthart, Head of Government Affairs Europe, Klarna
• Michael Pechner, Managing Director, eBay Payments
• Marius Jurgilas, Professor of Practice and Senior Vice President Research and Innovation, SuperHow technology laboratory, Vilnius University

Moderator: Mathilde Bonneau, Senior Manager, Government Relation EMEA, PayPal

15:30 – 15:50

Coffee Break

15:50 – 16:50

Panel Discussion AML

The European Parliament and Member States are currently negotiating the AML/CTF Package which was proposed by the European Commission in July 2021. The Package comprises plans for the creation of an EU authority as well as plans to move core elements of the current EU AML framework to a directly applicable Regulation.

Will the AML package lead to more harmonisation and if so, in what areas? Will this be enough for the industry to reduce costs, while ensuring the objectives of the legislation to reduce the risks associated with AML? How does the proposal reflect the risk-based approach? Can a risk-based approach really go hand-in-hand with harmonisation? How do we ensure the AML rules create the right incentives for industry to continue to invest in modern know-you-customer and due diligence solutions? Can we strike the right balance between data sharing for AML/CTF purposes and data protection under the GDPR? What are the expectations in the new AML authority when it comes to payment services? Can the Authority help address the market realities of de-risking by banks from the non-bank payment sector on the claims of possible AML risks?

 Speakers:

• Raluca Pruna, Head of Unit, Financial Crime, DG FISMA, European Commission
• Carolin Gardner, Head of Unit (AML/CTF), European Banking Authority
• Nicolas Kugler, Public Policy Europe Group Leader, Western Union
• Sandrell Sultana, Public Policy, Stripe
• Pierre Allegret, Head of financial crime and international sanctions office, French Treasury

 Moderator: Konstantinos Maragkakis, EEA CEO & Director Paysafe

16:50 – 17:00

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

17:00

Networking Cocktail