Chris De Noose, Managing Director

Chris De Noose is the Managing Director of the World Savings and Retail Banking Institute and the European Savings and Retail Banking Group.  In addition, he is a Member of the European Banking Industry Committee (EBIC), Member of the Board of the Hochschule der Sparkassen-Finanzgruppe, Member of the European Payments Council, Member of the Board of Child and Youth Finance International, Member of the Banking Stakeholder Group of European Banking Authority and Secretary General of the Mediterranean Confederation.  Furthermore, he is also a Member of the Kuratorium of the Foundation for International Co-operation of the German Savings Banks.


Antonio Massanell, Deputy Chairman

Antonio Massanell holds the position of Deputy Chairman and Member of the Board of CaixaBank. Besides, he is currently a Member of the following Boards of Directors: 1995 Telefónica, S.A.; 2008 Boursorama, S.A., representing “la Caixa”; 2009 Mediterranea Beach & Golf Community, S.A.; 2012 SAREB, Sociedad de Gestión de Activos procedentes de la Reestructuración Bancaria; 2014 Banco BPI (Banco Português de Investimento, S.A.). Additionally, he is: Member of the ERPB as a representative of the ESBG since April 2014; Chairman of Fundació Barcelona Digital Centre Tecnològic, since 2005; Vice-President of Barcelona Centre Financer Europeu (BCFE – European Finance Centre, Barcelona); Member of APD Zona Mediterrània (Management Progress Association), since 2005 and Member of the Plenary Meeting of the Chamber of Commerce of Barcelona, since 2010.


Marc Allsop, Senior Vice President and Head of Global Business Development


Marc Allsop is Senior Vice President and Head of Global Business Development at Aimia. In this role, he leads the global business development team who plan and execute the expansion of Aimia’s full suite strategy into new territories, as well as supporting the enhancement of the Aimia value proposition in existing geographies. He is also a Member of Aimia’s Executive Committee.



Benzion Axelrod, Senior Business Leader
Visa Inc., (USA)


Benzion Axelrod is responsible for introducing emerging products to key Financial Institutions (FI) in North America. In this role, he assists FIs in evaluating the strategic fit between innovative products such as Apple Pay, HCE solutions, Visa Checkout, real time merchant offers, and other Visa assets with FIs’ overall growth objectives. ​He gained his payment industry experience while working for American Express for ten years in multiple management roles.



Lysiane Back, Vice President and Head of Electronic Banking and Business
Banque et Caisse d'Épargne de l'État

Lysiane Back is the Vice-President, Principal Attorney and Head of Electronic Banking and Business since 2000. Since 2002 she has been Member of Board of Directors of EUROPAY Luxembourg, and since 2007 she is the Chairwoman and Managing Director of the organization. She is the coordinator of Luxembourg’s Banking Association working group “e-Invoicing” and official delegate of the Luxembourg’s Banking Association at “Luxembourg multi-stake holder forum on e-Invoicing” since 2011.


Josep Maria Berengueras, Journalist 
El Periódico de Catalunya 


Josep Maria Berengueras is a technology journalist in El Periódico de Catalunya, Spanish newspaper based in Barcelona. Working in the Economy department since 2008, he is specialized in Telecom market and Technology business. He also collaborates as a technology pundit in radio magazines like Generació Digital (Catalunya Radio, the Catalan public radio) and other magazines.



Norbert Bielefeld, Deputy Director, Payments and Securities

Norbert Bielefeld is responsible for payments and securities markets at WSBI-ESBG. He represents ESBG on the European Payments Council, the ECB’s TARGET2 Securities Advisory Group and on the European Commission’s PSMEG, and assists the ESBG representative on the ERPB. He is a Member of the World Bank’s Global Working Group on Remittances, and of the Steering Committee of IFAD’s Global Forum on Remittances. He contributes expertise to a range of donor-funded projects in mobile banking and payments.  



 Douglas Blakey, Editor
Retail Banker International


Douglas Blakey is Group Editor, Consumer Finance at Timetric, chief judge for the annual Retail Banker International Awards and lead marker advisor for Timetric’s retail banking research division. He maintains an editorial advisory board of leading bank executives and is a regular guest banking analyst with BBC, NBC, New Statesman and other leading media.



John Broxis, Managing Director

John Broxis has been working in payments and banking systems since 1997 with Logica in London and Saudi Arabia. He moved to EBA CLEARING in 2002 to support the development and launch of STEP2, the pan-European ACH. In 2007, he became Director of STEP2 taking the platform through SEPA migration to be the largest clearing system in Europe, and one of the most sophisticated globally. In 2010, John created MyBank, a pan-European e-authorisation solution for online payments, which went live in 2013. In 2014, MyBank was moved to a separate company, PRETA S.A.S. with John as Managing Director.



Jan-Olof Brunila, Deputy Director of Swedbank Group Cards

Jan-Olof is a long standing professional in the banking, credit and payments area. At present Jan-Olof is the Deputy Director of Swedbank Group Cards, one of the largest acquirers and issuers of general purpose payment cards in Europe. Currently Jan-Olof is the chair of the Pan Nordic Card Association and the Europay Sweden Association and serves on the MasterCard European Advisory board of directors as well as on the EmvCo Advisory Board. Jan-Olof has also been in the European Payments Council Working Group for cards since 2002.  



Lior Cohen, Product Manager Banking Market​


Lior Cohen is Product Manager for Banking Market at SWIFT. He is responsible for commercialization, growth and development of one of SWIFT’s core traffic products and revenue streams - cross border interbank payments. He assists in strategy definition and contributed to the development of SWIFT’s 2020 strategy in payments.



Fabrice Denèle, Head of Payments
Groupe BPCE 


Fabrice Denèle is Head of BPCE Group Payments (the ‘Banques Populaires and Caisses d’Épargne’ central body). He is also Member of the SWIFT Board of Directors and of the Visa Europe Board of Directors, as well as STET and Cartes Bancaires. He is a Member of the European Payments Council and several bodies related to payments and chairs the European Savings Banks Group (ESBG) Payments Committee. Fabrice Denèle has almost twenty years of experience in treasury and payments.



Gillaume Desclée, General Manager


Guillaume Desclée left for Brazil in 2009 where he co-founded the first collective funding platform (crowdfunding) for micro-credit in the country: The platform took off very quickly and positioned itself as a standard setter in the country. Building on this experience, Guillaume returned to Belgium in late 2010 to found and launch 



Michael Donald, Chief Commercial Officer & Customer​ Experience Executive


As the Chief Commercial Officer and Customer Experience Executive, Michael's key objective is to drive all facets of growth in the Credit Card space utilizing both strategic and tactical assets within Bank of America, MBNA Card Services. In addition to this Michael is the Executive responsible for over 300 Commercial Affinity Partnerships and the end to end customer experience, incorporating Marketing Operations, Card Fulfilment and all aspects of the Digital space. 



Bulent Egrilmez, Managing Director

Bülent Eğrilmez is currently managing the efforts of strategy and business development of the Aktifbank group. He is responsible for customer centricity initiatives within the bank and its subsidiaries as well as service and business development. His expertise focuses on value proposition management, lean business development and customer experience management in emerging markets especially in GCC and CIS states. Earlier, Bülent Egrilmez managed several business process reengineering projects for major global banks and financial institutions in London, UK for Pegasystems.



Camden R. Fine, President and CEO
Independent Community Bankers of America

Camden R. Fine is President and CEO of the Independent Community Bankers of America (ICBA). He currently serves on several industry boards and committees as well as on the President’s Committee of the WSBI.
He has been recognized by The Hill newspaper and CEO Update as one of Washington, D.C.'s most effective and influential trade association CEO's and lobbyists for six consecutive years and was recently named one of 100 lobbyists to watch in Washington, D.C.




Pascal Guignard, General Manager

Pascal Guignard is an international business consultant for the Card & Payment Industry. Since 2014, he is the Chairman of the International Card and Payment Council, a leading industry think-tank based in London. In addition to his current consulting activities, Pascal Guignard serves in several advisory boards to support international sales and expansion strategies.



Jonathan Hakim, President & CEO


Jonathan Hakim is President and CEO of Cignifi Inc. The Cignifi big data platform uses mobile data to score millions of underserved consumers who lack traditional credit histories, unlocking a massive opportunity to provide them with credit, insurance and savings products. Jonathan Hakim is an experienced CEO and technology entrepreneur; his previous ventures include Azima DLI, an information services company providing web-based remote monitoring and diagnostics for industrial equipment.




Vincent Hui, General Manager & Head of Personal Banking Division
The Bank of East Asia

Vincent Hui is General Manager and Head of Personal Banking Division at The Bank of East Asia. In this role, he is responsible for overseeing the Bank's personal banking businesses in Hong Kong, including credit card, consumer finance, property loans, branch distribution and services, channel management and operations and marketing. Appointed by The Government of the Hong Kong Special Administrative Region, Vincent Hui is a Member of the Advisory Committee on Code of Practice for Recognized Certification Authorities.



Arie Koornneef, Director of Marketing Strategy & Innovation
SNS Bank

Arie Koornneef is responsible for the Marketing Strategy & Innovation department of SNS Bank NV since 2013. Working not only for the brand SNS but also for the other banking brands within SNS Bank NV; RegioBank, ASN Bank, BLG Wonen and ZwitserlevenBank. In total serving more than 3 million customers in the Netherlands.

His team is working on a variety of (strategic) multibrand projects and digital innovations for one or more brands of SNS Bank NV.



Hugues Le Bret, Founder and Chairman of Financière des Paiements Electroniques
Le Compte Nickel

Hugues Le Bret is the former Chairman and CEO of Boursorama Bank (France, UK, Germany & Spain). He has served as Head of Group Communications, Innovation and Internet businesses at Société Générale and was a Member of the Company's Executive Committee between November 1999 and December 2009.
He is the Author of ‘L’Espoir Economique’ (1998), ‘La Semaine où Jérôme Kerviel a failli faire sauter le système financier mondial’ (2010) and Nobank (2013) and a co-founder of the Croissance Plus charitable organization.


David E. Mangum, President & Chief Operating Officer
Global Payments 


David E. Mangum is President and Chief Operating Officer of Global Payments Inc. (NYSE:GPN). In this role, he oversees the company's businesses in the United States, Canada, Latin America and Spain along with worldwide operations, enterprise risk management and global product strategy and innovation.  David E. Mangum was named one of the best CFOs in America by Institutional Investor magazine and currently serves as a Member of the Board of Directors for the Boys & Girls Clubs of Metro Atlanta.



​Agustín Márquez Dorsch, Deputy General Manager


Agustín Márquez is Deputy General Manager in Cecabank since 1995. He is responsible for technology, payment systems, electronic banking and several other outsourcing and business activities in the organization. He is currently CEO of Euro 6000 and MasterCajas, a principal Member of Master Card in Spain. He is also Director in Eufiserv and Trionis.



Pere Nebot, Chief Information Officer


Currently Pere is the CIO of CaixaBank and he is in charge of the IT Services department in Barcelona headquarters. Previously, he was in charge of the Information Systems department, he served as director of Electronics Channels, Treasury and Electronic Payments, Credit Card IT department. He works in developing the CaixaBank information systems, searching for Innovation in order to take advantage of new technologies.



Gabor Niederländer, Senior PL, Group Retail Project
Erste Group

Gabor Niederländer headed for the last 3 years the Product Coordination Unit in Erste Group, being responsible for the Group-wide coordination and development of the Retail product portfolio.

Mobile Payments is a topic Gabor was dealing with since more than 5 years. Now, with Erste Group’s strong focus on Digitalization the significance of this topic is higher than ever.



Joseph Edward Nketsiah, General Manager Risk Management Division
HFC Bank 

Joseph Edward Nketsiah is currently the General Manager, Risk Management and Compliance at HFC Bank. He joined HFC Bank (GH) Limited in 2003. He has over twenty years banking experience gained from working in various institutions including The Trust Bank Limited, National Investment Bank and Unibank (Gh) Limited.




Montse Palasí Bargalló, President
Societat Catalana per la Mobilitat, S.A.

Montse Palasí has been working in Indra Systems for 25 years, where she is the Director of the Europe Infrastructure market. Montse has been responsible for projects in ticketing, road traffic management and communications networks in cities across Europe. She is also President of SocMobilitat the Joint Venture which is responsible for the development of the new ticketing and passenger information project for Catalunya: The T-Mobilitat, where this project is classified as a Smart Mobility.



María Dolores Peralta, Gerente Desarrollo Proyectos Personas

María Dolores Peralta is a Project Manager at BancoEstado of Chile, a public institution committed to promoting entrepreneurship and financial inclusion. In 2009 she was appointed leader of the Commercial Transformation Programme, one the greater impact initiatives than BancoEstado has recently developed, with the aim of redesigning business models, enhancing online banking and articulate technology platforms for new business models.


Ben Rooney, Co-editor in Chief

Ben Rooney was the technology editor for The Wall Street Journal in Europe before leaving the paper to join Informilo. After setting up the European operation for a West-Coast start-up which successfully exited, Rooney became a freelance writer for UK newspapers and magazines, writing for the Financial Times, The Sunday Times, The Guardian amongst others. For five years Rooney was also a PHP and Ruby on Rails web developer before joining The Wall Street Journal. He is the author of four books and was voted Tech Journalist of the Year in 2013 by his peers.


Wiebe Ruttenberg, Head of the Market Integration Division
European Central Bank


Since March 2006, Wiebe Ruttenberg has been Head of the Market Integration Division at the European Central Bank (ECB), dealing with policy issues from a market infrastructure, market integration and innovation perspective on a) payments (including the Single Euro Payments Area - SEPA), b) securities and c) collateral. He also chairs the Payment Systems Policy Working Group of the European System of Central Banks (ESCB).



Chris Skinner, The Finanser

Chris Skinner is best known as an independent commentator on the financial markets through his blog, the, as well as being the author of the bestselling book Digital Bank and Chair of the European networking forum, the Financial Services Club. His blog has been voted the best banking blog by The Financial Brand, and he is viewed as a FinTech Titan (Next Bank), one of eight Fintech Leaders you need to follow (Deluxe), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal’s Financial News.



Seamus Smith, Managing Director UK & Ireland
PayPoint UK

Seamus Smith was appointed as Managing Director of PayPoint UK & Ireland in June 2011. He is responsible for the company’s UK and Irish payments business, which operates branded retail payments & services through a network of over 28,000 terminal sites. PayPoint also operates 10,000 card-acquiring sites, 4,000 ATMs, 1,200 money transfer sites and delivers central government payment services & innovative e-commerce solutions.



Sybille Strack, Head of Payments and Card Strategy
DSGV German Savings Banks Association 

Sibylle Strack is Head of Cards and Payments Strategy at the German Savings Banks Association (DSGV). She joined DSGV in 2004. Until then, she held a senior position in the financial services area of Accenture, an international consultancy.




David Urbano, Head of Mobile Banking and Digital Networks

David is the Director of the Mobile Banking and Digital Networks at CaixaBank, responsible of managing the mobile channel & social network strategies, ranging from defining new services to designing and implementing those services in order to ensure launch those services for CaixaBanks' customers in an effective manner.  He is currently managing two different teams, the Mobile Channel team ensuring that the Mobile Channel of CaixaBank evolves as per its customers' needs and as well as keeping pace with the new mobile technologies, and the Digital Networks team, which uses the Social Networks arena in order to provide new services along with new online communities for the customers of CaixaBank.


Karl Westvig, CEO
AFB (South Africa)

Karl is the Group CEO of afb Group, which provides consumer finance and mobile financial services across a number of African Countries, including Kenya, Ghana, Tanzania and Zambia. Karl also co-founded the well-known consumer finance business RCS Group in 1999, where he served as CEO until December 2008. RCS Group is now the leading provider of independent credit services to retailers in southern Africa, including Botswana and Namibia, with a total book under management of R2.6bn.