11th Annual QED Conference on the Future of EU Payments - QED

11th Annual QED Conference on the Future of EU Payments

Hybrid event

Discussion Point

 Panel 1 – Digitalization of EU payments

  • • How is the digitalization of payments influencing the competitive landscape?
  • • Does regulatory change act as a catalyst or a barrier to digital transformation?
  • • Are AI and robotics significant disruptors in the payments industry?
  • • What role does Blockchain technology play in facilitating cross-border payments?
  • • How will cryptocurrencies and Digital Central Bank Currencies impact the future of the payments sector? What’s next for the Digital Euro?
  • • In what ways is the FinTech sector transforming the landscape of the payments industry?
  • • How will QR codes and instant payment systems shape the future of payments?
  • • Can we achieve a balance between security and convenience in digital payment systems?
  • • What opportunities and challenges does data sharing and open finance present in the digital payments arena?

Panel 2 – Regulating EU payments

  • • How has the regulatory landscape shaped the evolution of the payments sector, and what are the anticipated regulatory trends for the future?
  • • What is the takeaway from the current legislative term in the area of EU payments?
  • • What should be what should be the focal areas or primary objectives for the upcoming legislative term?
  • • Can regulatory frameworks simultaneously promote fair competition and foster innovation in the payments industry? What are the mechanisms or challenges involved?
  • • Implementing Euro instant payments -what’s the state of play?
  • • PSD3/PSR – current status and next steps?

Programme

13.00-14.00       Registration and networking lunch

14.00-15.30     Panel 1 – Digitalization of EU payments 

15.30-15.50       Coffee break

15.50-17.20     Panel 2 – Regulating EU payments

17.20-18.30       Reception

Speakers

Moderator:
Jacki Davis

Managing Director, Meade Davis Communications

Session 01

Dr Alexandra Hachmeister

Director General, Digital Euro, Deutsche Bundesbank

Born in 1975 in Hamburg, Dr. Alexandra Hachmeister pursued a degree in International Studies of Business Administration from the European Business School in Oestrich-Winkel from 1994 to 1999. During her studies, she spent periods abroad in 1996 at the American Graduate School of International Management in Phoenix, USA, and at the Ecole Supérieure de Commerce de la Rochelle in France. From 1999 to 2007, she held various roles at Deutsche Börse AG in Frankfurt, focusing on Xetra Market Design Functionality, Systems Business Development, and Boards & Committees. In 2004, she earned a doctorate (Dr. rer. Pol) from the European Business School. Between 2007 and 2010, Dr. Hachmeister served as Director and Head of Boards and Committees / Corporate Responsibility at Deutsche Börse AG, and from 2010 to 2013, she was the Director and Head of Corporate Office. From 2013 to 2019, she worked as the Chief Regulatory Officer and Head of Group Regulatory Strategy, followed by a tenure as Managing Director of Market Data & Services from 2019 to 2021. Between 2022 and 2024, she was the Director General of Economic Education at the University of Applied Sciences and International Central Bank Dialogue. Since February 2024, Dr. Hachmeister has been serving as the Director General of Digital Euro.

Konstantinos Maragkakis

CEO Payment Solutions Ltd, Paysafe

In his role, which he has held since December 2018, Konstantinos has responsibility for managing operations in the European Economic Area. Prior to joining Paysafe, Konstantinos held a number of international corporate, regulatory affairs and communications positions over a 15 year period, working across a range of industry sectors and European countries. Konstantinos is paysafecard’s Esports subject matter expert. He has been passionate about PC and video gaming since the early ‘80’s - from the early days of Amstrad and Commodore to the high-end PC and console games available today and MMORPGs in particular. He’s a member of various gaming guilds, including Saber Paragons and Circle of Lords, which are the biggest Greek guilds in the MMORPG Star Wars – The Old Republic. Konstantinos is also a member of Mobius PVE – an online community for Elite Dangerous with almost 6,000 members.

Diederik Bruggink

Head of Department - Payments, Digital Finance and Innovation

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute (WSBI) 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 a member of the Commission’s Payments Systems Market Expert Group and he was a member of the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Sam Hinton-Smith

Head of Public Policy EMEA, Stripe

Sam is Head of Public Policy for Europe, the Middle East and Africa at Stripe, the financial infrastructure platform. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. He is a policy professional with more than two decades experience across the financial services and retail sectors. Prior to joining Stripe in 2019, he held senior public policy roles at one of Europe’s largest banks. Sam is a member of the Payments Board of UK Finance, and previously served on the European Central Bank’s Market Advisory Group on a Digital Euro.

William Olgiati

General Manager EU Payments Acceptance & Experience, Amazon

Biography is coming soon.

Session 02

Eric Ducoulombier

Head of Unit, Retail Financial Services, European Commission

Eric Ducoulombier is, since 1 January 2019, Head of the Retail and Payments Unit in DG FISMA. Before that he was in charge of the Unit dealing with Inter-Institutional affairs and Planning in DG FISMA. Eric Ducoulombier joined the European Commission in 1992, after having worked a few years in the private sector (consulting, law firm,…). He holds a Master’s Degree in law.

Reinout Temmerman

Payments Advisor, National Bank of Belgium, Chair of the Council's Working Group on PSD/PSR

Educated in Belgium and the United States, Reinout started his career as an attorney at law in Brussels. Subsequently, he gained experience in the financial regulatory industry as a Compliance Officer with an international banking group. At the National Bank of Belgium, Reinout specializes in retail payments policy (PSD, EMD), prudential supervision of payment and e-money institutions, and the oversight of market infrastructures in retail payments (payment systems & card schemes). In this capacity, he is the Belgian representative in both the ECB/EBA Security of Retail Payments forum and in the ECB Payment & Securities Oversight Working Group. He has, among other things, been involved in the transposition of PSD2 into Belgian law, setting up the National Bank's Fintech contact point, advising on policy matters related to the Digital Euro project and drafting a legal framework related to the oversight of systemically important payment processors. During the 2024 Belgian Presidency of the European Council, he chaired the Council’s Working Party on PSD3/PSR.

Elie Beyrouthy

Vice President, European Government Affairs, American Express

Elie Beyrouthy is Vice President of European Government Affairs at American Express since June 2017 where he leads the company’s engagement with European Union Institutions and advises senior leaders on EU regulatory and public policy matters. Elie Beyrouthy also represents American Express’ interests in several EU trade bodies and professional associations. Prior to joining American Express, Elie Beyrouthy was Director of International Regulatory Affairs at Western Union for 5 years. From 2007 to 2012, Elie Beyrouthy held leadership positions at the World Savings Banks Institute and the European Banking Federation. Elie Beyrouthy began his career as an intern at the European Commission and the United States Federal District Court of Minnesota. He holds two Masters Degrees in Law from the University of Minnesota and from the Jean Moulin University in Lyon - France. Elie Beyrouthy also holds a diploma from the Institut d’Etudes Politiques de Lyon – France.

Marta Testagrossa

Head of Payments Policy, Payments Europe

Marta is a member of the Secretariat of Payments Europe and a Senior Director at FTI Consulting. She supports Payments Europe in the development and execution of advocacy and communication strategies on all relevant payment policies, both at EU and international level.  In the past, Marta worked for international law firms in different jurisdictions and represented clients from both the private and the public sector. She also worked as a reporter for a U.S.-based business publication writing about competition policy and its impact on the European industry. Marta is a fully qualified Italian lawyer, and holds a Degree in Law from Università di Torino and an LL.M from Georgetown University.

Anna Martin

Financial Services Officer, BEUC

Anna Martin is Financial Services Officer at BEUC, the European Consumer Organisation. She is in charge of retail banking, working among other files on the review of the Payment Service Directive 2, Instant Payments and the digital euro. Before joining BEUC, she worked for the German Foreign Office in the team coordinating the German EU Council Presidency. Anna holds a Master in European Affairs from the College of Europe, Sciences Po Lille and the University of Münster.

Joe Morley

CEO, TrueLayer EU

Joe Morley is CEO of TrueLayer’s European business, based in Dublin. He is responsible for operations and commercial expansion across the EU, including regulatory compliance and strategic policy regarding payments in Europe. He is a former WhatsApp and Facebook executive with over 30 years experience in building and scaling technology companies globally, with a focus on API platforms and payments. Prior to TrueLayer, he launched the monetisation of the WhatsApp platform in EMEA, including the payments project for Western Europe. At Facebook he launched and managed the business APIs for the monetisation of the Facebook and Instagram platforms in EMEA, APAC and LATAM. Originally a product designer by profession, he holds an MBA from the IE in Madrid and is a qualified Director of the Institute of Directors in the UK and Ireland. He currently holds the Central Bank of Ireland pre-approved control functions of Chief Executive and Executive Director. He is also a board member of the Open Finance Association.

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