In the Spotlight: Dr. Joachim Schmalzl, Executive Member of the Board of DSGV

In 2021, nearly 144 billion cashless transactions were made in the EU at an 8,6% CAGR (2017-2021), showing that payments are extremely important – and for the EU regulators it is important that these payments are safe, secure, efficient and under EU governance.

This is the right moment to take stock of the latest developments and whether the recent European Commission initiatives are assisting the EU payments landscape to flourish. ESBG is happy to put Dr. Schmalzl, Executive Member of the Board of DSGV, in its Spotlight to receive an update on recent developments. He will shed some light on general market trends in payments, customer behaviour, fraud and the digital euro, and he will discuss some recent regulatory initiatives.

Moderated by Diederik Bruggink, ESBG’s Head of the Payments, Digital Finance and Innovation department, this event promises to be a fruitful exchange on some of the recent developments that drive the EU’s payments agenda.


Dr. Joachim Schmalzl

Executive Member of the Board of DSGV



Head of Department Innovation and Payments at The European Savings and Retail Banking Group

Get in contact with us for more details about Spotlight, replays of previous editions or possible collaboration: