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3rd ANNUAL

INNOVATIONS
ON BANKING
CONFERENCE
Embracing Artificial Intelligence
Generating Industry Leaders

20th & 21st of September 2018


PRAGUE • Czech Republic
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Embracing Artificial Intelligence Generates Industry Leaders

MAIN FOCUS:

• AI occupies Banking Industry • Practical experience from Banks • EU support of start-up community

SUMMARY

A major focus at 3rd Innovations on Banking Conference takes Artificial intelligence followed by digital innovations, robotics in
banking segment, customer authentication, chatbots and customer experience; Practical experience by the major Finance Institutions
is creating the total picture of overall Conference image. Certainly, an important puzzle of the Industry is the Fintech and Start-up
companies, reaching out the new opportunity for growth.
With prominent Industry players and presence of high-level professional expertise, the 3rd Innovations on Banking Conference is
hiking up to a spot where the most influential Financial Institutions are present. Innovation is necessary and important part of banks,
also attached to each financial transaction even when the customer doesn’t know they consume it! That kind of changes is becoming
an opportunity and not a threat.
The brave one take a step ahead, shaping the leader from the follower.

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CHAINRMAN Head of Financial Services Industry at SAP and Member


KEYNOTE SPEAKERS 2018

Artur Derwiszynski of Scheme Management Board at European Payments


Council. He now helps European banks to transform
Head of Financial Services Industry and develop their business strategy around open
at SAP, Member of Scheme banking and PSD 2. As a mentor and expert, he works
Management Board, European with financial institutions in Asia, Europe and the USA.
Payments Council

Diana Carrasco
Head of Digital Risk, Mikhail Kartamyshev
Compliance and Policy UK Cactussoft, Belarus
& EU, HSBC, UK

Diana is Head of Risk, Compliance and Public Policy for COO in CactusSoft, one of the main proponents in
HSBC Digital Bank. She has over 16 years’ experience AI and blockchain direction within CactuSoft and
designing and implementing innovative strategy from a true stand-out in mobile development including
both: a business development and a risk management applications for fintech and telecom. Introduced and
perspective. She has done this through the major implemented an out-of-the-box approach to agile
game-changers in the financial industry over the last development involving technology leadership.
years, from EMV chip payments or the early days of
e-commerce, to digital transformation.

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Embracing Artificial Intelligence Generates Industry Leaders

SPEAKERS 2018

Antonio Stanimirov Barzachki Albert Van Veen Jan Herian


Conduct, Payments and Consumers, COO/Digital Transformation, Business Development Manager, Appello,
European Banking Authority MONETA Money Bank, Hungary
The Netherlands

Nigel Verdon Teymur Kizilkan Karlo Kosina


Chief Executive Officer and Co-founder, Vice President Innovations, Senior Vice President, Mbanq, USA
Railsbank, UK Deniz Bank, Turkey

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  3 ANNUAL INNOVATIONS ON BANKING CONFERENCE
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SPEAKERS 2018

Linda Geux Davor Gašparac Matthias Valcke


Head Payments Strategy & Portfolio Head of Group Corporates Division Erste Group IT Director of Business Solutions, OneSpan
Management, Payments Centre ING International GmbH, Austria (previously known as VASCO), Belgium
Bank, The Netherlands

Miroslav Sojmanovski Michal Vodrážka Andrea Stranska


Software Architect, Banking and Department Cash and Payment Systems, Head of Strategy & Business Development,
Finance, Unit Seavus Czech National Bank world BTC Business, SE

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Embracing Artificial Intelligence Generates Industry Leaders

SPEAKERS 2018

Joris Elzinga Petr Dvorak Martin Medek


Business Development Manager Payments, CEO, Wultra, Czech Republic Open Banking Leader,
Banco Sabadell, Spain Česká spořitelna, a.s, Czech Republic

Marek Smilkovsky Ondřej Knot Gabriel Dusil


Manager, Financial Services Advisory, Dateio, Czech General Manager and Board Member,
Ernst & Young, Czech Republic Adel Ecosystem Ltd

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SPEAKERS 2018

Martin Slādeček
Open Banking Manager, Komerční banka,
Czech Republic

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Embracing Artificial Intelligence Generates Industry Leaders

DAY 1 09:00-09:30
AN EBA UPDATE ON PSD2
20th September » Introduction to the EBA;
» Final Guidelines on fraud reporting;
08:30 Registration & Morning Coffee » Draft Guidelines on the exemption from the fall-back
08:50 Welcome and Opening Remarks under the RTS on SCA and CSC;
» Implementation of the EBA central register under
PSD2;
SESSION I » Extension of the JC Guidelines on complaints-handling
to AISP and PISP.
EU PERSPECTIVE SPEAKER: ANTONIO STANIMIROV BARZACHKI
TOWARDS REGION CONDUCT, Payments and Consumers at European
Banking Authority

09:00-10:00

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SESSION II 10:30 | Networking Break


A great chance to meet and discuss with key players in the industry
ARTIFICIAL INTELLIGENCE
11:00-11:30
INFECTS US ALL, ESPECIALLY,
HOW TO MAKE YOUR DNA DIGITAL?
THE BANKING INDUSTRY » Overview of recent innovations across banking
functions
09:30-14:30 » Steps to become digital
» Example of leveraging EY digital platform
» Case study Digital online lending
09:30-10:00 SPEAKER: MAREK SMILKOVSKY, Manager, Financial
MILE PER INNOVATIONS: THE TRENDSETTER Services Advisory, Ernst&Young, Czech Republic
» Shaping the Innovation Strategy
» Pillars of Innovation Environment 11:30-12:00
SPEAKER: TEYMUR KIZILKAN, Vice President (BEST PRACTICE) CHATBOTS IN BANKING AS NEW
Innovations at Deniz Bank, Turkey DIGITAL ASSISTANTS ?
» Chatbots - New way of providing 24/7 Personalized
10:00-10:30 Customer Support
» Chatbots - Optimizing operational costs while achieving
DIGITAL BANKING EXPERIENCE IN LANDING better Customer Experience
» Fintech revolution puts pressure on Banks » Digital Banking services for Millennials – they
» Digitalization is the key to competitiveness are ready for Chatbots
» Automation in the lending processes » Meet "SEA" - Smart Chatbot based on AI, ML & NLP
SPEAKER: JAN HERIAN, Business Development Manager, SPEAKER: MIROSLAV SOJMANOVSKI, Software
Appello, Hungary Architect, Banking and Finance Unit Seavus

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Embracing Artificial Intelligence Generates Industry Leaders

12:00-12:30 SPEAKERS: MATTHIAS VALCKE, Director of Business


Solutions, OneSpan (previously known as VASCO),
AI REDEFINING MOBILE BANKING: BEST Belgium Onespan, Belgium
CUSTOMER EXPERIENCES PRACTICES
» UX trends in Fintech mobile applications
» NLP as frontier of customer supporting
14:00-14:30
» AI in customer loyalty improvement FINTECH VS BANK OFFERING: HOW TO CREATE A
WIN / WIN BUSINESS SOLUTIONS WITH FINTECH
SPEAKER: MIKHAIL KARTAMYSHEV, COO of
» Case study - digitalizing tickets of card spending
CactusSoft, Belarus
» Leverage Bank's Brand Power and Sales force
12:30 – 13:30 | Networking Lunch » Integrate Fintech solutions in Banks Platforms
Great opportunity to interact with market leaders in relaxing SPEAKER: JORIS ELZINGA, Business Development
environment, exchange ideas, discuss innovations Manager Payments at Banco Sabadell, Spain

13:30-14:00 14:30 Afternoon Networking Break


DEFEATING FRAUD WITH INTELLIGENT ADAPTIVE A great chance to meet and discuss with key players in the industry
AUTHENTICATION AND RISK ANALYTICS
» A single interface offering easy access to different solutions
across all channels
» Orchestration seamlessly managing all server-side DEMO PRESENTATIONS:
applications to drive client logic (CONFERENCE ROOM 2) 15:00-16:00
» Full monitoring of the mobile devices and their associated
risk levels 15:00-15:20 | Artificial Intelligence is transforming
» Flexible and adaptive authentication options to deliver the our world, our lives and Bank Industry.
best user experience
15:30-15:50 | Robotics is simplifying the process
» Advanced risk analytics leveraging powerful machine
rather than being a threat.
learning to stop more fraud

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PARTICIPANTS: European Banks Vsv. Fintech


Open Discussion: What can be learned from M-banking
by Leading European Banks? A partnership with Fintech can
make a huge difference! How to find the right partner for
the Business? “If opportunity doesn’t knock, build a door!“ -
SESSION III Europe impact in supporting the Fintech community.
A mix of shared experiences and partnership opportunities
are greatly and openly discussed among the major
(PANEL DISCUSSION) Industry players in the Finance Industry: an open-floor
GOOD BUSINESS REQUIRES debate between the European Banks and the Fintechs.
European Community has a greater role in supporting such
A GOOD CUSTOMER Partnerships. EC contribution and welcoming opportunities
will enrich the debate and share the experience of future
EXPERIENCE Industry wellbeing.

PARTICIPANTS:
15:00 – 16:00 Albert Van Veen, Board Member-COO/Digital
Transformation at MONETA Money Bank, The Netherlands
Diana Carrasco, Head of Digital Risk, Compliance and
Policy UK & EU, HSBC, UK
Ivan Dovica co-founder and COO, Dateio, Czech Republic

16:00 | Chairman’s Summary & Closing Remarks


16:15 | End of Conference

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Embracing Artificial Intelligence Generates Industry Leaders

DAY 2
21th September
09:00-09:30
08:30 Registration & Morning Coffee
BLOCKCHAIN DEMYSTIFIED - DO WE REALLY
UNDERSTAND IT?
SESSION IV » Blockchain for dummies: technology or just another
protocol?
» Use cases in payment operations: potentials and
THE FUTURE OF FINANCE obstacles - disruption or evolution?
» Blockchain beyond banking: which other business areas
IS SHAPED BY THE LATEST could Blockchain improve?

BLOCKCHAIN SIGNALS SPEAKER: DAVOR, GASPARAC, Head of Group


Corporates Division, Erste Group IT International
09:00-10:30 GmbH, Austria

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09:30-10:00 10:30 | Networking Break


A great chance to meet and discuss with key players in the
CRYPTOCURRNCY JUST ANOTHER CURRENCY industry
» Crypto as integral part of ABOS, the real time multi-
currency Banking-System
» Integration of crypto and fiat – Case study UK EMI
DEMO PRESENTATIONS:
SPEAKER: KARLO KOSINA, Senior Vice President, Mbanq, (CONFERENCE ROOM 2) 11:00-12:00
USA
11:00-11:20 | Bitcoin in the 21-st century – Can it
10:00-10:30 survive without Banks?
» Virtual currency in numbers
HOW WILL CRYPTOCURRENCY DISRUPT THE GLOBAL
» Bitcoin&Banks
FINANCE INDUSTRY?
» Situation in the Czech Republic: Bitcoin Vs. Banks
The introduction of crypto has resulted in a radical
redistribution of social-economic power. This new power SPEAKER: Andrea Stranski, Head of Strategy&
hierarchy excludes banks and governments and threatens Business Development, world BTC Business, SE
to uproot the entire finance industry. People, Process and
Technology has now evolved to code-based governance. 11:30-11:50 | Innovative technology underlying
What does this mean to financial Trust models? What crypto-assets has inclusiveness of the financial
does this mean to Fintech innovation, and with an system
anonymous community accumulating power and wealth?
SPEAKER: GABRIEL DUSIL, General Manager
and Board Member at Adel Ecosystem Ltd.

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Embracing Artificial Intelligence Generates Industry Leaders

11:00-11:30
DIFFERENT PERSPECTIVES ON PSD2 ADOPTION
» Is there any standard on the horizon?
» What goes well and what goes not so well?
» PSD3 perspective?

SESSION V SPEAKER: ARTUR DERWISZYNSKI, Head of Financial


Services Industry at SAP, Member of Scheme Management
Board at European Payments Council
OPEN BANKING: THE
MONEY REVOLUTION 11:30-12:00
FOUNDING THE WORLD’S FIRST GLOBAL OPEN
EVERYONE TALKS ABOUT BANKING PLATFORM (RAILSBANK), THE RISE OF
APIs IN GLOBAL BANKING
11:00-12:30 » Will platform/Open banking create a new banking
market structure?
» Will banks becoming utilities to support banking
platforms?
» How will open banking transform banking economics?
SPEAKER: NIGEL VERDON, Chief Executive
Officer and Co-founder at Railsbank, UK

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12:00-12:30 13:30-14:00
HOW TO CREATE A SUSTAINABLE ECOSYSTEM FOR MASTERING OPEN BANKING: FROM SECURITY TO
OPEN BANKING? BEYOND BANKING BUSINESS SOLUTIONS
» How will open banking impact the Payments Ecosystem?
Market adoption of the Open Banking potential is driven
» What opportunities and risks does this present?
by Banks and their willingness to introduce disruptive
» What lessons can we learn from other industries?
solutions and Fintechs partnerships. Let’s look on
SPEAKER: LINDA GEUX, Head Payments Strategy & examples of solutions Banks can build to foster the Open
Portfolio Management, Payments Centre ING Bank, Banking evolution. And you will see that Open APIs is just
The Netherlands a beginning…

12:30-13:30 | Strategic Networking Lunch SPEAKER: MARTIN MEDEK, Open Baning Leader, Česká
A great opportunity to interact with market leaders in relaxing spořitelna, a.s., Czech Republic
environment, exchange ideas, discuss innovations

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Embracing Artificial Intelligence Generates Industry Leaders

SESSION VI
ARE BANKING CLIENTS
DEMO PRESENTATIONS:
(CONFERENCE ROOM 2)  13:30-15:30 SAFE THESE DAYS?
13:30-13:50 | Innovative APPS which transfer the
payment Industry recently 14:00-14:30
14:00-14:20 | “Data is helping banks to mine new 14:00-14:30
oil = data”
DIGITAL BANKING SECURITY IN THE
» how to use transactional data, even the ones AGE OF OPEN BANKING
gained via PSD2, to increase clients’ activity & With PSD2, 3rd party providers are given an access to bank
loyalty accounts and even have an ability to initiate payments.
» how to give meaning and enrich your transactional As a result, banks need to revise their approach to digital
data by exact GPS, brand name, logo and category channel security and invest in new categories of security
» how to utilize enriched data within credit scoring, solutions. During the talk, we will present an overview of
marketing of your IB/MB existing security components for digital banking that will
SPEAKER: ONDŘEJ KNOT, CEO at Dateio help you harden your system security and comply with SCA
15:00-15:20 | Payment platforms which under PSD2.
revolutionized current payment processes. SPEAKER: PETR DVORAK, CEO at Wultra, Czech Republic

14:30 Afternoon Networking Break


A great chance to meet and discuss with key
players in the industry

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PARTICIPANT: European Banks


Open Discussion: Implementation of the European payment
directive was not so smooth and simple process by some
financial institution. The Banks were just not ready for it!
SESSION VII This session will include an open discussion among European
Banks’ representatives and their experiences of implementing
the European directive. The experienced professionals will
SUMMARIZING share the after-math impressions, lessons learned, obstetrical

THE EFFECTS OF PSD2. they all faced with this implementation, either benefit of it.
Are the Banks ready for it? What else needs to be done for
PRACTICAL EXPERIENCES full process implementations? How can financial institutions
improve their operational excellence and efficiency?
EXPOSED BY THE BANKS
PARTICIPANTS:
(PANEL DISCUSSION) MICHAL VODRÁŽKA, Department Cash and Payment
Systems at Czech National Bank
15:00-15:40 MARTIN SLÁDEČEK, Open Banking Manager at Komercni
Bank, Czech Republic

15:40 | Chairman’s Summary & Closing Remarks


15:45 | End of Conference

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Embracing Artificial Intelligence Generates Industry Leaders

P A R T N E R S

What drives our spirit is innovation – creating the next We are reinventing the art and science of software devel-
generation solutions that take the business world beyond opment to create software in service of humanity for a
success. We are focused on thinking further than what’s better world. We help over 3,500 customers worldwide to
expected, and this is why we are always proposing fresh effi ciently achieve their goals. Some of them are walking
solutions/approaches to the existing challenges. We start- the road to success with us for over 18 years. Innovation,
ed our story back in 1999 with a few people and an idea. growth, work with different clients, show and apply a vari-
Today we are a multinational company that continuously ety of skills, expanding the knowledge and expertise. This
delights the customers with services and products in an ag- is only a summary of the opportunities Seavus offers to
people who want to join.
ile and business-value-fi rst approach. With a strong belief
of the capacity of our people, we are more than sure that Seavus is a company that cares and constantly develops,
the synergy of their creativity and expertise can make us builds and invests in its employees’ knowledge, courage,
the ultimate world class role model of a software develop- imagination and responsibility. A company with employees
ment company. which are bound with their commitment and trust and will
achieve more and better than the company goals.
Every project that we started created new opportunities
for our people to reach even greater goals and knowledge. It is a company of leaders.

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P A R T N E R S

Cactussoft is a Belgian-Belarusian IT company working hance their competitive edge with the power of mobile
since 2007 to provide end-to-end consulting services in technology. Its offerings cover all stages of the com-
software development and integration that enable its plete software product cycle: from business analysis to
clients to improve their workforce, operations and busi- post-project maintenance and support.
ness performance.
CactusSoft has been delivering its services to customers
With 12-year expertise in the field, CactusSoft has been across Europe and the USA and has successfully com-
helping banks and financial services companies en- pleted 300+ projects.

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Embracing Artificial Intelligence Generates Industry Leaders

P A R T N E R S

ApPello Banking Software is a leading fintech vendor innovation is multiplied and we are able to speed up
that has been providing loan origination, risk manage- and simplify the implementation in many legal enti-
ment and front-end solutions for over 20 years. We ties. ApPello’s guiding principle is to provide banking
are constantly developing our platform (ApPello Digi- software that does not only meet the business re-
tal Platform) which is currently one of the most pow- quirements but can be set by the end users without
erful and prevailing in the CEE region. We use proven IT involvement.
technologies available on the market, by which our

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P A R T N E R S

Mbanq™ is a digital banking platform for traditional bined more than 300+ years of intense experience of
banks, neo-banks and fintechs. Mbanq™ is fully compli- digital bank and Fintechs. We worked in more than 100+
ant, deployed onsite and soon, in the cloud. Easily add countries of the world and we’ve been active at more
service modules for retail or corporate customers. Use than 100+ world leading banking & Financial Services
admin functions including finance, treasury and regula- Institutions. We transformed Core Banking Solutions
tory reporting. Connect with fintech innovators using on four continents, and launched digital banks in several
our open banking APIs. Our Team members have com- countries. Mbanq.™ Powering the future of banking™.

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Embracing Artificial Intelligence Generates Industry Leaders

P A R T N E R S

OneSpan enables financial institutions and other or- including over half of the top 100 global banks, rely
ganizations to succeed by making bold advances in on OneSpan solutions to protect their most import-
their digital transformation. We do this by establish- ant relationships and business processes. From digital
ing trust in people’s identities, the devices they use, onboarding to fraud mitigation to workflow man-
and the transactions that shape their lives. We believe agement, OneSpan’s unified, open platform reduces
that this is the foundation of enhanced business en- costs, accelerates customer acquisition, and increases
ablement and growth. More than 10,000 customers, customer satisfaction.

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P A R T N E R S

Dateio was founded on the idea of data producing Banking institutions, however, took their time. For us,
outcomes. In September 2013 we quit our consultancy those were thrilling times. We were busy meeting bank
jobs and started developing a concept which was representatives and making tons of presentations, all
completely new in Czechia. Banks soon began to show while operating as a team of two. The turning point came
interest: „Business intelligence? That sounds promising.” with UniCredit Bank and the U-šetřete programme.
Three months later we got our first investor.

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Embracing Artificial Intelligence Generates Industry Leaders

Building a better
working world
P A R T N E R S

EY is a global leader in assurance, tax, transaction and public and abroad. The EY Financial Services Advisory
advisory services. The insights and quality services we team in the Czech Republic gathers more than 180
deliver help build trust and confidence in the capital professionals ranging from market risk and regulato-
markets and in economies the world over. We devel- ry, credit risk, operational risk, insurance, through to
op outstanding leaders who team to deliver on our IT and data analytics. The sector team works to an-
promises to all of our stakeholders. In so doing, we ticipate market trends, identify their implications and
play a critical role in building a better working world develop points of view on relevant sector issues. Ul-
for our people, for our clients and for our communi- timately, this team enables us to help you meet your
ties. For more information about our organization, goals and compete more effectively. For more infor-
please visit ey.com. mation please visit EY Financial Services.

The financial sector is one of the main sectors to


which EY has devoted its attention in the Czech Re-

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P A R T N E R S

yy World BTC business, SE was founded in 2014 in yy It currently operates 25 Bitcoin ATM’s
Prague, the Czech Republic by Martin Stransky. in CZ and 4 in Slovakia. They have been
yy It is a leader in virtual currencies exchange on the manufactured by wBTCb (HW & SW) which
market and offers both online and cash solutions. is very unique.
yy Clients can easily buy, sell and store their yy For now operating on Czech, Slovakian and Polish
Bitcoin. markets.

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Embracing Artificial Intelligence Generates Industry Leaders

P A R T N E R S

Wultra helps leading European banks build secure and public, an open banking gateway for the retail bank with
engaging digital channels faster. Our range of security over 300k clients, or a premium Internet banking for the
related software technologies covers the whole digital most affluent clientele. The main focus of the company
banking application stack, be it on web or on mobile for upcoming months is to expand internationally and
platforms. give the established veterans of the digital security in-
dustry a serious run for their money.
Founded in just 2014, security solutions by Wultra al-
ready secure the best mobile banking in the Czech Re-

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P A R T N E R S

PaymentsJournal

Fintech Finance works with prominent executives in the PaymentsJournal is a free, comprehensive online infor-
industry to provide key decision-makers globally within mation portal designed to keep payments and banking
the foremost financial services organizations with con- industry professionals informed through the daily de-
sistent and accurate intelligence on emerging trends, livery of the latest news, industry blogs, research, case
breakthrough technologies and stimulating develop- studies, executive interviews and analyst insights.
ments, helping them to make informed decisions.
PaymentsJournal is published by Mercator Advisory Group,
At Fintech Finance, we produce monthly video episodes the leading U.S. payments research and consulting firm.
looking at range of topics within financial services, as
well as attending some of the most prominent events PaymentsJournal is a natural extension for Mercator Ad-
within the sector. visory Group as we continue to monitor the payments
and banking industries and work with the industry`s top
leading companies.
M E D I A

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Email: operations@euro-events.co
T: +420.234.261.963
www.euro-events.co

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