Sluggish economies, challenged infrastructure, and an enduring preference for dealing in cash are just some of the challenges facing card issuers and payment solutions providers of all types across CEE and the CIS, particularly away from the major conurbations of the region. However, successful players in the market are delivering what some consumers want in the form of payment kiosks and pre-paid offerings.

SAE Media Group’s 9th annual CEE/CIS Card Markets and Future Payments Solutions conference will set out how the market, with a combination of the creative use of legacy and new technology is set to meet the payment needs of consumers. But how is innovation to be rewarded and are contactless and mobile payments set to remain the preserve of urban populations? Is a two tier marketplace approach set to be the strategy of choice of banks, card issuers, and new market entrants? Additionally, who are the new market entrants set to disrupt the card markets? Discover all this in Sofia in April, 2014.

Keynotes from outside the region will in combination with major local players set out what is to come and how to deal with the present to deliver the payment solutions that the region’s populations need.

Delegates to the conference will gain a comprehensive understanding of market and technology developments for the card services and payment solutions sector in the CEE/CIS region by hearing from experienced product, strategy, and innovation leaders giving presentations on the following:

1. How to mature consumers from cash to greater card usage
2. Delivering the appropriate technology for urban and rural populations
3. Advances in CEE/CIS m-payment and m-commerce programmes
4. Overcoming challenges related to internet access and payment terminal uptake
5. Consumer insight and research: implementing the right marketing strategy for your product offerings


The core audience for the conference will come from banks, card issuers, mobile telecom, kiosk solution providers, and non-bank payments market entrants with responsibility for the following:

•Card Services
•Payment Systems and Infrastructure
•Product Development/Marketing
•Card Services/Payments Innovation and Strategy

Previous delegates have been drawn from the following companies:

Ai Corporation; Austria Card; Bank Zachodni WBK / Santander Group; BCR-Banca Comerciala Romana; Borgun; BPC Banking Technologies ; Ceridian Stored Value Solutions; Collis; Compass Plus; Credit Europe Bank (Romania) SA; Datacard; Dinocolor Zagreb d.o.o.; DSK BANK; ePlus Systems; Euromonitor International; First Data International; FIS; Garanti Bank Romania; GE Money Czech Republic ; Gemalto; H&M Hennes & Mauritz AB; Hewlett Packard; IKEA; Instabill; Komercní banka / Societe Generale Group; Magyar Cetelem Bank / BNP Paribas Personal Finance; Mellon International; Michael Page; Pay Vision; Paymint AG; PBZ Card d.o.o.; Piraeus Bank; Printec Bulgaria JSC; Swedbank; Tesco Poland; The National Bank Of Romania; Tieto; TSYS Card Tech Services Ltd; UniCredit Consumer Financing; United Bulgarian Bank A D.

Ai Corporation ; Alpha Bank Romania S A; APECCAM; Austria Card; Banca Comerciala Romana (BCR); Banca Commercial Romana S A; BCR-Banca Comerciala Romana; Borgun; CN Posta Romana SA; Credit Europe Bank (Romania) SA; De Nederlandsche Bank N V; Electronic Money Association; Euronet Software Solutions; FIS Global; Garanti Bank Romania; Ing Bank; INPAS International LLc; K & H Bank; Komercni Banka AS; Marfin Bank; MasterCard; Monet+ A S; NLB d.d.; Pay Space Magazine; Paymint AG; PetroDesign; Piraeus Bank Romania S A; Privredna Banka Zagreb dd; Raiffeisen Bank Sa; SIA PaySpace; SIBS, S.A; The National Bank Of Romania; Ukash; UniCredit Tiriac Bank; Visa Europe;

Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

9:10 How will SEPA developments affect CEE countries wishing to join the Eurozone?

Ugo Bechis

Ugo Bechis, Chairman of Cards Working Group, European Payments Council


·         Post 1st February 2014 and the next phase for SEPA – e and m payments
·         How to deal with the problem of third party access to bank account information
·         How will the costs and benefits of alternative payment methods be assessed?
·         What can we expect from the green paper on e and m payments – can any new SEPA arrangements keep pace with change?

9:50 Urban and rural populations; Delivering cards and payment solutions that customers will use

Najada  Xhaxha

Najada Xhaxha , Head of Funds Transfer and Correspondent Banking, Tirana Bank


·         Is a two-tier approach viable to capture market share in cities and elsewhere?
·         How does branding and market positioning drive card uptake?
·         How do different market segments respond to different card/payments propositions?
·         What role do benefit packages play in making products and solutions more attractive?

10:30 Morning Coffee

10:50 Building loyalty and market positioning for increasing long term credit cards profitability

Antim Stefan  Iordache

Antim Stefan Iordache, Head of Card Product Management, Banca Commercial Romana S A


·         Programs and discounts linked to credit cards
·         Campaigns to drive usage
·         Financing the rewards whilst targeting revenues increase

11:30 How to drive innovations via contactless payments

Artur Turemka

Artur Turemka, General Manager, Balkans,, Mastercard


·         PayPass (BONbon Voyage) Case Study - the maturing of contactless
·         How are incentives being used effectively to drive contactless uptake?
·         What other factors will be instrumental in driving demand?

12:10 Networking Lunch

13:30 Managing card portfolio performance


·         Debit, credit and Prepaid cards: a cost revenue perspective
·         Market dynamics – managing opportunities and risks
·         Product mix and profitability optimisation
Francesco  Burelli

Francesco Burelli, Partner, Value Partners

14:10 How will Bitcoin disrupt the future payments market topology?

Jon  Matonis

Jon Matonis, Executive Director, Bitcoin Foundation


·         Will comparatively low uptake of internet access and poor infrastructure stifle a Bitcoin revolution in CEE and the CIS or are there bigger hurdles to overcome?
·         For more advanced markets and urban areas are m-payments and Bitcoin a perfect match?
·         Will low-denomination, person-to-person transfers drive Bitcoin acceptance?

14:50 Afternoon Tea

15:10 Visa Europe next-generation payments

Krassimira Raycheva

Krassimira Raycheva, Country Manager, Bulgaria, Visa International


·         An exploration of the vision of future payment solutions to meet consumers’ demands
·         Enable new retail models by making it possible to pay using any device, for any value, across any channel, in any place, at any time
·         How governments, retailers and consumers can benefit from the electronic payments in order to improve and enrich the consumer experience

15:50 Contactless payment implementations in Romania

Baris Cosan

Baris Cosan, ADC Project and Visa/Mastercard Relationship Management, Credit Europe Bank (Romania) SA


·         Case Study : Credit Europe Bank MasterCard PayPass issuing & acquiring implementation- challenges & decisions in the grey areas
·         Theory vs. practice: Problems arising from implementations as a result of market conditions and customer behaviour in the CEE market
·         The cost of contactless and other new implementations and which player or players will be the payers? Is the invisible hand of the market going to create a new mover?
·         Is the real struggle between interfaces & products or against cash!
·         Identifying possible future market choices?

16:30 Chairman’s Closing Remarks and Close of Day One

9:00 Registration & Coffee

9:25 Chairman's Opening Remarks

9:30 The evolution of the consumer landscape and how demand is changing for payments solutions

Istvan Lengyel

Istvan Lengyel, Secretary General and Chief Analyst, Banking Association for Central and Eastern Europe (BACEE)

·         What does research tell us about how consumers view potential payment methods?
·         What are consumers looking for in the payment solutions of the future?
·         What do the results tell us about how the payments market needs to adapt to engage with consumers?

10:10 Interoperable payment systems - value and innovation catalysers for banks

  • SIBS on managing interoperable payment systems and bringing benefits to the banks
  • Borica-Bankservice on driving Bulgaria to cutting-edge payments innovation


  • Adam Tencza

    Adam Tencza, CEE Division Manager, SIBS International

    Lubomir  Tzekov

    Lubomir Tzekov, Chief Executive Officer, Borica-Bankservice JSC

    10:50 Morning Coffee

    11:10 Will contactless ever take off in CEE or the CIS? Is the answer to wait for m-payments?


    ·         Is the retail market environment in the CEE just too fragmented for the cost of contactless infrastructure ever to be economically viable?
    ·         How long will infrastructure requirements hinder the take up of new payment solutions offerings?
    ·         The uptake of NFC terminals and who should pay for them, merchant or card issuer?
    Francesco  Burelli

    Francesco Burelli, Partner, Value Partners

    11:50 SWIFT Payments and Cash Management: Not only for banks…

    Michael Formann

    Michael Formann, Head of Austria/Central and Eastern Europe, SWIFT


    ·         Cloud-based corporate access solution: Alliance LITE2
    ·         How to route payments: SWIFTRef Directories for corporates and banks
    ·         EMIR and Dodd Frank Compliance: LEI vs. CICI

    12:30 Networking Lunch

    13:40 European payments business insights and update

    Kevin Smith

    Kevin Smith, Senior Payment Services and Risk Management Advisor, Kevin Smith Consulting


    • Key trends in the payments business
    • Understanding and managing risk
    • Risk management as a business enabler
    • Business development opportunities, including emerging payment options, Person-to-Person, etc.

    14:20 Using Big Data to identify consumers’ payment journey from cash to cards

    Tuuli Perkio

    Tuuli Perkio, Vice President, MasterCard Worldwide

    15:00 Chairman’s Closing Remarks

    15:05 Afternoon Tea

    15:30 Close of Day Two



    Artur Turemka

    Artur Turemka

    General Manager, Balkans,, Mastercard
    Jon  Matonis

    Jon Matonis

    Executive Director, Bitcoin Foundation
    Krassimira Raycheva

    Krassimira Raycheva

    Country Manager, Bulgaria, Visa International
    Ugo Bechis

    Ugo Bechis

    Chairman of Cards Working Group, European Payments Council

    Adam Tencza

    CEE Division Manager, SIBS International
    Adam Tencza

    Antim Stefan Iordache

    Head of Card Product Management, Banca Commercial Romana S A
    Antim Stefan  Iordache

    Artur Turemka

    General Manager, Balkans,, Mastercard
    Artur Turemka

    Baris Cosan

    ADC Project and Visa/Mastercard Relationship Management, Credit Europe Bank (Romania) SA
    Baris Cosan

    Francesco Burelli

    Partner, Value Partners
    Francesco  Burelli

    Istvan Lengyel

    Secretary General and Chief Analyst, Banking Association for Central and Eastern Europe (BACEE)
    Istvan Lengyel

    Jon Matonis

    Executive Director, Bitcoin Foundation
    Jon  Matonis

    Kevin Smith

    Senior Payment Services and Risk Management Advisor, Kevin Smith Consulting
    Kevin Smith

    Krassimira Raycheva

    Country Manager, Bulgaria, Visa International
    Krassimira Raycheva

    Lubomir Tzekov

    Chief Executive Officer, Borica-Bankservice JSC
    Lubomir  Tzekov

    Michael Formann

    Head of Austria/Central and Eastern Europe, SWIFT
    Michael Formann

    Najada Xhaxha

    Head of Funds Transfer and Correspondent Banking, Tirana Bank
    Najada  Xhaxha

    Tuuli Perkio

    Vice President, MasterCard Worldwide
    Tuuli Perkio

    Ugo Bechis

    Chairman of Cards Working Group, European Payments Council
    Ugo Bechis


    Sheraton Sofia Hotel Balkan

    5 Sveta Nedelya Square, Sofia, Bulgaria

    A number of our clients have been approached by third party organisations offering to book hotel rooms. We would advise that you do not book through them as they are not representing the SMi Group. SMi Group books all hotel rooms directly. If you are approached by a third party organisation then please contact us before making any bookings. If you have already booked a hotel room using a third party organisation, we would highly recommend contacting the hotel you were booked into to ensure a booking has been made for you. We would also advise you to please check the terms and conditions of the booking carefully.


    Outlook Calendar  OUTLOOK CALENDAR
    Google Calendar  GOOGLE CALENDAR
    ICal Calendar  ICAL CALENDAR
    Yahoo! Calendar  YAHOO! CALENDAR

    Sheraton Sofia Hotel Balkan

    5 Sveta Nedelya Square
    Sofia 1000

    Sheraton Sofia Hotel Balkan



    speaker image






    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.


    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.


    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SAE Media Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.


    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@saemediagroup.com

    Event Title


    Read More

    I would like to speak at an event

    I would like to attend an event

    I would like to sponsor/exhibit at an event


    Sign up
    Forgotten Password?

    Contact SAE Media Group

    UK Office
    Opening Hours: 9.00 - 17.30 (local time)
    SAE Media Group , Ground Floor, India House, 45 Curlew Street, London, SE1 2ND, United Kingdom
    Tel: +44 (0) 20 7827 6000 Fax: +44 (0) 20 7827 6001
    Website: http://www.smgconferences.com Email: events@saemediagroup.com
    Registered in England - SMi Group Ltd trading as SAE Media Group

    Forgotten Password

    Please enter the email address you registered with. We will email you a new password.

    Thank you for visiting our event

    If you would like to receive further information about our events, please fill out the information below.

    By ticking above you are consenting to receive information by email from SAE Media Group.
    Full details of our privacy policy can be found here https://www.smgconferences.com/privacy-legals/privacy-policy/.
    Should you wish to update your contact preferences at any time you can contact us at data@smgconferences.com.
    Should you wish to be removed from any future mailing lists please click on the following link http://www.smgconferences.com/opt-out