Amsterdam · Arena Towers
Wednesday 25 November 2026

Payments, Wallets, Tokenization & Digital Assets

INSTANT PAYMENTS · DIGITAL WALLETS · OPEN FINANCE · TOKENIZATION · DIGITAL ASSETS
Time Room A · Main Stage Room B · Innovation & Implementation
08:45–09:00 Chairperson opening
09:00–09:30
Instant payments and interoperability
  • Frame the payments, wallets and digital-assets agenda.
  • Link market infrastructure, regulation and customer expectations.
  • Set priorities for payment leaders and banking executives.
Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
The new payments landscape · instant, interoperable, invisible and built on trust
  • Assess instant payments, ISO 20022 richness and real-time expectations.
  • Embed risk management and fraud controls into payment innovation.
  • Build trust across interoperable and invisible payment journeys.
Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
09:30–10:00
Instant payments readiness · value creation and operational implications
  • Assess how instant payments change liquidity, customer expectations and operational processes.
  • Identify the controls needed to manage real-time risk and exception handling.
  • Link instant payments with corporate, retail and liability-account strategies.
Saibee Motiani · Payments and Liabilities · Kotak Mahindra Bank · India
Digital wallets and biometric payments · customer experience and secure authentication
  • Evaluate wallet orchestration and acceptance strategies.
  • Explore biometric payments and stronger authentication models.
  • Link embedded payments with customer journey redesign.
Mihai Draghici · Founder & CEO · PayByFace · Romania
10:00–10:30
Digital wallets customer adoption · embedded experiences and market uptake
  • Translate biometric payment innovation into usable customer journeys.
  • Solve trust, consent and authentication requirements before scale.
  • Link wallet acceptance with merchant adoption and experience design.
Alexandra Nicolau · Head of Growth · PayByFace · Romania
Moving Money — how banks think · the new role of the Chief Payment Officer
  • Move beyond compliance APIs toward commercial Open Finance value.
  • Improve consent, data reuse and platform strategy.
  • Define the emerging role of the Chief Payment Officer.
Viktoria Soltesz · Founder · PSP Angels · Cyprus
10:30–11:00
Open Finance and financial-institution growth · emerging markets, innovation and scale
  • Explore how Open Finance can support growth for banks and financial institutions.
  • Link API strategy with customer value, partnerships and financial access.
  • Assess the data, consent and trust foundations needed for Open Finance adoption.
Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia
Case study: Open Finance · practical lessons and implementation insights
  • Move beyond Open Banking APIs toward broader Open Finance value creation.
  • Explore consent, data sharing and customer-owned financial journeys.
  • Identify commercial use cases across retail, SME and platform banking.
Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey
11:00–11:30 Networking break
Peer exchange on instant payments, wallets and Open Finance.
11:30–12:00
Open Finance strategy · data access and commercial ecosystem design
  • Position Open Finance as a growth strategy rather than a compliance project.
  • Identify how customer-permissioned data creates new products and partnerships.
  • Build trust, consent and value exchange into data-sharing journeys.
JP Fabri · Founding Partner · Seed · Malta
Retail Digital Euro · tokenisation or not? Policy, interoperability and market design
  • Compare tokenised deposits, wholesale CBDCs and retail digital euro models.
  • Assess custody, treasury and settlement infrastructure impacts.
  • Separate realistic use cases from pilots with limited business value.
Cyril Vignet · Project Manager · Agence EDEP Conseil · France
12:00–12:30
Corporate payment business: PSD3 · instant payments and fraud accountability
  • Translate PSD3 and PSR developments into bank priorities.
  • Strengthen SCA, liability management and fraud accountability.
  • Address corporate payments and scheme-evolution requirements.
Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany
A2A payments and European scale · growth, adoption and cross-border reach
  • Explain how Wero and A2A payments reshape European scale.
  • Assess implications for banks, fintechs and merchant journeys.
  • Evaluate commercial models for account-to-account adoption.
Arash Marandi · Business and Operations · Zaver · Sweden
12:15–12:45
Future of digital wallets · bank readiness and customer expectations
  • Assess how digital wallets are changing product strategy and customer engagement.
  • Identify governance, compliance and approval steps banks need before scaling.
  • Clarify the difference between solo presentations, panels and practical wallet use cases.
Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey
Digital wallets · product design, use cases and ecosystem integration
  • Assess where digital wallets can support inclusion and everyday payment adoption.
  • Link wallet design with identity, fraud controls and customer trust.
  • Explore how banks can partner with wallet providers without losing the customer relationship.
Yodaly Sierra · Founder & CEO · Eco2wallet · UK
13:00–14:00 Networking lunch
Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization.
13:45–14:15
Wallet risk, payment controls and customer trust at scale
  • Map wallet risk across onboarding, authentication and transaction flows.
  • Define controls for wallet-led payment journeys at scale.
  • Link payment strategy with customer trust and regulatory expectations.
Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus
Future payments landscape · European finance — market outlook and ecosystem implications
  • Frame the payment trends shaping European finance through 2030.
  • Identify what banks, fintechs and infrastructure players must prove before new rails scale.
  • Link payment innovation with investor confidence, operational readiness and regulation.
Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK
14:15–14:45
Future payments landscape · investor and operations view
  • Look at payment innovation from an investor and market-readiness perspective.
  • Separate strong concepts from solutions regulated institutions can adopt.
  • Assess operational proof points banks need before moving from pilot to partnership.
Jennifer Newbould · Associate · Aluna Partners · Italy
Tokenization infrastructure · architecture, rails and future payments landscape
  • Explain the infrastructure layer required for tokenized finance.
  • Link tokenization with settlement, custody and regulated market infrastructure.
  • Identify adoption barriers for banks and institutional clients.
Thomas Langbein · Chief Commercial Officer · Trever · Germany
14:45–15:15
Case study: Future payments landscape · regional insights and commercial adoption
  • Explore how new payment rails and digital assets can reshape customer access.
  • Assess the role of regulated fintechs in faster, lower-friction payments.
  • Identify infrastructure, compliance and education requirements for broader adoption.
Peculiar Ibeabuchi · Communications and Events Manager · Yellow Card · Nigeria · & Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia
Tokenized market infrastructure · regulated FMI and operating models
  • Move from tokenization pilots to business-grade infrastructure.
  • Evaluate regulated market infrastructure and settlement use cases.
  • Identify wholesale and retail value creation opportunities.
Kathrin Fortmann · Strategic Partnerships Manager · BX Digital · Switzerland
15:30–16:30 Networking reception
Day 3 closes.
08:45–09:00
Chairperson opening
09:00–09:30 · Room A · Main Stage
Instant payments and interoperability
  • Frame the payments, wallets and digital-assets agenda.
  • Link market infrastructure, regulation and customer expectations.
  • Set priorities for payment leaders and banking executives.
Domenico Scaffidi · CEO & Founder · DS Payments Ltd · UK
09:00–09:30 · Room B · Innovation & Implementation
The new payments landscape · instant, interoperable, invisible and built on trust
  • Assess instant payments, ISO 20022 richness and real-time expectations.
  • Embed risk management and fraud controls into payment innovation.
  • Build trust across interoperable and invisible payment journeys.
Paul Walvik-Joynt · VP Commercialization Real-Time Payments · Mastercard · Norway
09:30–10:00 · Room A · Main Stage
Instant payments readiness · value creation and operational implications
  • Assess how instant payments change liquidity, customer expectations and operational processes.
  • Identify the controls needed to manage real-time risk and exception handling.
  • Link instant payments with corporate, retail and liability-account strategies.
Saibee Motiani · Payments and Liabilities · Kotak Mahindra Bank · India
09:30–10:00 · Room B · Innovation & Implementation
Digital wallets and biometric payments · customer experience and secure authentication
  • Evaluate wallet orchestration and acceptance strategies.
  • Explore biometric payments and stronger authentication models.
  • Link embedded payments with customer journey redesign.
Mihai Draghici · Founder & CEO · PayByFace · Romania
10:00–10:30 · Room A · Main Stage
Digital wallets customer adoption · embedded experiences and market uptake
  • Translate biometric payment innovation into usable customer journeys.
  • Solve trust, consent and authentication requirements before scale.
  • Link wallet acceptance with merchant adoption and experience design.
Alexandra Nicolau · Head of Growth · PayByFace · Romania
10:00–10:30 · Room B · Innovation & Implementation
Moving Money — how banks think · the new role of the Chief Payment Officer
  • Move beyond compliance APIs toward commercial Open Finance value.
  • Improve consent, data reuse and platform strategy.
  • Define the emerging role of the Chief Payment Officer.
Viktoria Soltesz · Founder · PSP Angels · Cyprus
10:30–11:00 · Room A · Main Stage
Open Finance and financial-institution growth · emerging markets, innovation and scale
  • Explore how Open Finance can support growth for banks and financial institutions.
  • Link API strategy with customer value, partnerships and financial access.
  • Assess the data, consent and trust foundations needed for Open Finance adoption.
Ara Sargsyan · Head of Financial Institutions Division · Ameriabank · Armenia
10:30–11:00 · Room B · Innovation & Implementation
Case study: Open Finance · practical lessons and implementation insights
  • Move beyond Open Banking APIs toward broader Open Finance value creation.
  • Explore consent, data sharing and customer-owned financial journeys.
  • Identify commercial use cases across retail, SME and platform banking.
Kazim Oguz · SVP, Digital Channels and Open Banking · DenizBank · Turkey
11:00–11:30
Networking break
Peer exchange on instant payments, wallets and Open Finance.
11:30–12:00 · Room A · Main Stage
Open Finance strategy · data access and commercial ecosystem design
  • Position Open Finance as a growth strategy rather than a compliance project.
  • Identify how customer-permissioned data creates new products and partnerships.
  • Build trust, consent and value exchange into data-sharing journeys.
JP Fabri · Founding Partner · Seed · Malta
11:30–12:00 · Room B · Innovation & Implementation
Retail Digital Euro · tokenisation or not? Policy, interoperability and market design
  • Compare tokenised deposits, wholesale CBDCs and retail digital euro models.
  • Assess custody, treasury and settlement infrastructure impacts.
  • Separate realistic use cases from pilots with limited business value.
Cyril Vignet · Project Manager · Agence EDEP Conseil · France
12:00–12:30 · Room A · Main Stage
Corporate payment business: PSD3 · instant payments and fraud accountability
  • Translate PSD3 and PSR developments into bank priorities.
  • Strengthen SCA, liability management and fraud accountability.
  • Address corporate payments and scheme-evolution requirements.
Ulrich Loof · Senior Expert Transaction Management · DZ BANK AG · Germany
12:00–12:30 · Room B · Innovation & Implementation
A2A payments and European scale · growth, adoption and cross-border reach
  • Explain how Wero and A2A payments reshape European scale.
  • Assess implications for banks, fintechs and merchant journeys.
  • Evaluate commercial models for account-to-account adoption.
Arash Marandi · Business and Operations · Zaver · Sweden
12:15–12:45 · Room A · Main Stage
Future of digital wallets · bank readiness and customer expectations
  • Assess how digital wallets are changing product strategy and customer engagement.
  • Identify governance, compliance and approval steps banks need before scaling.
  • Clarify the difference between solo presentations, panels and practical wallet use cases.
Sadik Bas · EVP, Marketing Portfolio Management & Digital Products · Garanti BBVA · Turkey
12:15–12:45 · Room B · Innovation & Implementation
Digital wallets · product design, use cases and ecosystem integration
  • Assess where digital wallets can support inclusion and everyday payment adoption.
  • Link wallet design with identity, fraud controls and customer trust.
  • Explore how banks can partner with wallet providers without losing the customer relationship.
Yodaly Sierra · Founder & CEO · Eco2wallet · UK
13:00–14:00
Networking lunch
Payments, wallets and digital-asset leaders. Discussion on digital euro, A2A and tokenization.
13:45–14:15 · Room A · Main Stage
Wallet risk, payment controls and customer trust at scale
  • Map wallet risk across onboarding, authentication and transaction flows.
  • Define controls for wallet-led payment journeys at scale.
  • Link payment strategy with customer trust and regulatory expectations.
Vaida Saltenyte · Head of Payments Relations · CXM · Cyprus
13:45–14:15 · Room B · Innovation & Implementation
Future payments landscape · European finance — market outlook and ecosystem implications
  • Frame the payment trends shaping European finance through 2030.
  • Identify what banks, fintechs and infrastructure players must prove before new rails scale.
  • Link payment innovation with investor confidence, operational readiness and regulation.
Victor Rivera · Managing Director and Co-Founder · Aluna Partners · UK
14:15–14:45 · Room A · Main Stage
Future payments landscape · investor and operations view
  • Look at payment innovation from an investor and market-readiness perspective.
  • Separate strong concepts from solutions regulated institutions can adopt.
  • Assess operational proof points banks need before moving from pilot to partnership.
Jennifer Newbould · Associate · Aluna Partners · Italy
14:15–14:45 · Room B · Innovation & Implementation
Tokenization infrastructure · architecture, rails and future payments landscape
  • Explain the infrastructure layer required for tokenized finance.
  • Link tokenization with settlement, custody and regulated market infrastructure.
  • Identify adoption barriers for banks and institutional clients.
Thomas Langbein · Chief Commercial Officer · Trever · Germany
14:45–15:15 · Room A · Main Stage
Case study: Future payments landscape · regional insights and commercial adoption
  • Explore how new payment rails and digital assets can reshape customer access.
  • Assess the role of regulated fintechs in faster, lower-friction payments.
  • Identify infrastructure, compliance and education requirements for broader adoption.
Peculiar Ibeabuchi · Communications and Events Manager · Yellow Card · Nigeria · & Wendy Delmar · CEO · Caribbean Association of Banks · Saint Lucia
14:45–15:15 · Room B · Innovation & Implementation
Tokenized market infrastructure · regulated FMI and operating models
  • Move from tokenization pilots to business-grade infrastructure.
  • Evaluate regulated market infrastructure and settlement use cases.
  • Identify wholesale and retail value creation opportunities.
Kathrin Fortmann · Strategic Partnerships Manager · BX Digital · Switzerland
15:30–16:30
Networking reception
Day 3 closes.

Agenda subject to change. All times Central European Time (CET). Last updated 13 August 2026.

Five days. One pass.

Move between Room A and Room B. Pre-book meetings. Take home practical, peer-tested answers.

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