12 Speakers Chairperson BANKING INNOVATION FORUM SmartMessage, SmartMessage, Turkey Regional Manager, MEA Murat Guner Systems Technologies, Belarus Executive Director ofSalesto Foreign Markets Alexandr Putyato DLT FinanceGroup, / CEO Roger Wurzel OneSpan, Chief Technology Evangelist Benoit Grangé WBTCB, Czech Republic Business Development Manager&DigitalStrategist Anna Kadaníková NatWest Group, UK Managing Director –Customer Contact+Complaint Simon Separghan NLB BankBelgrade, Serbia Senior ISAuditor Luka Milinković MoraBanc, Andorra Head ofDigitalInnovation andClientExperience Jessica Reynoso Maciel , Ireland National Standards Authority of Panel Member National Blockchain Expert Anil Nayak Komerční Banka,Czech Republic Chief DigitalOfficer|MemberoftheBoard Margus Simson Czech NationalBank,Czech Republic Director |FinancialMarket RegulationDivisionIII Michal Vodrážka SmartMessage, Turkey SVP, GlobalSalesandMarketing Kerim AlainBertrand TH GLOBAL Business Development Director Gabor Gyorfi ENNO studio,Germany CEO andCreative Director Guillaume Vaslin Banco Sabadell, Public Policy Subdirector General –HeadofRegulationand Alfonso Ayuso Bank Leumi,Israel Head ofInnovation, Group Strategy Ronen Ben-Bassat Erste Group BankAG, Chief PlatformOfficer|MemberoftheBoard Maurizio Poletto Nets Group, Denmark Chief Product Officer, Issuer&eSecurityServices Brian Harris N26, General ManagerforItalyandSouthEastEurope Andrea Isola Nets Group, Denmark Director ofStrategic Partnerships Tony BachChristensen FintechOS, Romania Commercial VicePresident Andrei Gaman Creatio Regional SalesDirector EMEA&APAC Mikhail Hryshchenko USA of ZebraReflexis, part Technologies, Solutions Consultant,FinancialServices Peter Daugherty Unblu Inc, CEO Luc Haldimann QUALCO, Hungary ABBYY Senior Solution Architect Khemindra Nadarajah Signavio, Germany Senior AccountExecutive SMB Bastian Lewe Loxon Solutions, Hungary CEO Tamás Erni Vitold Sanotskyy Intesa Sanpaolo,Italy Head ofDigitalPayments Gian BattistaBaa’ The ABN AMROBankN.V., Chief HumanResources Officer Gerard Penning SmartMessage, SmartMessage, Turkey Regional Manager, Europe andCentral Asia Burcu Uslu ReadID, InnoValor, The Netherlands CEO ReadIDandstrategic advisorInnoValor Dr. Wegdam Maarten ABBYY Digital intelligenceconsultant,RelationshipManager Maksymets Iryna Société Générale, France Director ofDigitalStrategic Studies Sládeček Martin ApPello, Hungary Project Manager Balint Bako Austria Raiffeisen BankInternational, “Nicole” Founder &CEOofInternalStartup 16-17 March, 2021 & VIRTUAL EVENT

EXPO Gold Sponsor

Silver Sponsors

Bronze Sponsors

Exhibitors Partner Sponsor Innovation Sponsors

Media Partners

COMPARE & RESEARCH THE LAW, WORLDWIDE. DAY 1 Tuesday, 16 March 2021 MODULE 1 MODULE 2

09:00 Welcome & Opening Remarks from Uniglobal 14:00 Opening speech from Uniglobal 09:05 Opening Remarks from the Chairperson 14:05 Opening speech from the Chairperson Kerim Alain Bertrand, SVP, Global Sales and Marketing, SmartMessage, Turkey 14:10 Intrapreneurship in a bank: Creating user centric and data 09:15 Industry Overview & Current Regulatory Landscape obsessed startup within Raiffeisen Bank International • Major challenges that impact banking industry today • Creating innovation using internal talents • Drivers and risks of digital transformation • Lean startup within a bank: expectations and reality • Global & EU regulatory updates • Rethinking financial advisory using advanced analytics and power of • Is regulation a driver or obstructer of innovation? behavioral economics Alfonso Ayuso, Subdirector General – Head of Regulation and Public Policy Vitold Sanotskyy, Founder /CEO of Internal Startup ”Nicole” Banco Sabadell, Spain Raiffeisen Bank International, Austria BANKING TECHNOLOGY: TODAY AND TOMORROW 14:25 Effective Engagement Through Omnichannel and Automation in the Banking Industry 09:30 Data-Driven Banking, Challenges of adopting AI • How banks can create better experiences with omnichannel strategy to • Benefits and Applications of AI in Banking (Use Cases) satisfy today’s consumers • Main difficulties of adopting AI • How the marketing automation increases the effectiveness of engagement • Proof of Concept, ApPello AI Framework processes Balint Bako, Project Manager • How new innovative technologies like personalized video messaging help ApPello, Hungary banks boost communication efficiency Murat Guner Burcu Uslu 09:45 What it takes to digitalize society and how digital identity Regional Manager, Regional Manager, helps in it MEA Europe and Central Asia • Challenges of digitalizing the societies SmartMessage, Turkey SmartMessage, Turkey • Key elements of making breakthroughs in digitalization • Digital identity and signature – why are they crucial in success 14:40 Have You Ever Been Frustrated by The Amount of Time It • Czech BankID – what it is and what has it learned from previous successes Takes to Get Your Customers the Answers They Deserve? Margus Simson, Chief Digital Officer | Member of the Board To succeed, today’s institutions must focus on the Komerční Banka, Czech Republic evolving needs of their customers and the challenge of creating the differentiated experiences they demand. To not only meet, but exceed these 10:00 Modularity - The future of payments expectations, financial institutions need to automate and digitize operations In a continuously changing payments industry, it can be challenging so that they can deliver value while increasing operational efficiencies, to respond to changing consumer needs and expectations for digital reducing operating risks, and fostering higher levels of interaction and experiences. integration. Get inspired by the highly digital and cashless Nordic market and its Iryna Maksymets, Digital intelligence consultant, Relationship Manager innovative payment culture. Khemindra Nadarajah, Senior Solution Architect • Utilising innovation, digital and design thinking ABBYY Europe • The importance of modular payment services • Case studies on how to address current payment trends 14:55 Central Counter Party Clearing (CCP) on Blockchain Brian Harris, Chief Product Officer, Issuer & eSecurity Services • Exploring the nearly endless opportunities of Blockchain in Banking Nets Group, Denmark • Blockchain implementation challenges • Opportunities it brings 10:15 How banks manage clients’ personal data Anil Nayak, National Blockchain Expert Panel Member Luka Milinković, Senior IS Auditor National Standards Authority of Ireland, Ireland NLB Bank Belgrade, Serbia 10:30 Virtual, Client Centric Decision-making in Banking USER EXPERIENCE | THE POWER OF DESIGN THINKING • Uncovering the digital channels to facilitate virtual, interactive client 15:10 Banking redesigned - Creating age-responsive banking communication to give advice and make informed, joint financial decisions experiences using Design Thinking • Making the case for a hybrid approach to client relations through digital • Goodbye to the old, big banking innovation to build trusted relationships with secure data compliance and • How COVID tested current banking usability support the customer journey remotely • Time for Design Thinking: UX that cares more and does more Luc Haldimann • How to apply Design Thinking in the banking sector of the future CEO • Age-responsive design experiences for all audiences Unblu, Switzerland Guillaume Vaslin, CEO and Creative Director 10:50 Digital Assets - Trading & Clearing in a regulated way ENNO studio, Germany • Integration of Cryptocurrencies into a Bank setup 15:25 FIRESIDE CHAT • Trading & Clearing for Financial Institutions in a regulated environment • Digital experiments that produce results • Storage of Digital Assets • Adapting to Consumer Behavior Patterns change in a Pandemic condition • Potential and Outlook • Embracing experimentation Roger Wurzel, CEO • How to convince senior management that innovation is a must? DLT Finance Group, Germany/Liechtenstein Maurizio Poletto, Chief Platform Officer | Member of the Board 11:05 Digital transformation for banking in 2021: Leveraging Erste Group Bank AG, Austria low-code technology to accelerate customer-facing and 15:40 PANEL DISCUSSION operational processes Challengers VS Incumbents: Innovation & Marketing Strategy • What are the main challenges banks face today and how to overcome them • Adapting to rapidly changing disruptive environment VS being born in a • What are the five key tech trends that are predicted to revolutionize the digital era banking industry in 2021 • What can we do to make our product appeal to Millennials? • How to leverage the full potential of low-code technology to improve • Using customer centricity, personalization and innovative approach to customer-facing processes and build operational resilience attract new clients • What are the business outcome of implementing low-code based on the • The power of word of mouth: customers as your best marketers example of real-life use case Moderator: Mikhail Hryshchenko, Regional Sales Director EMEA & APAC Andrei Gaman, Commercial Vice President, FintechOS, Romania Creatio Panelists: 11:20 Q&A Session Simon Separghan, Managing Director, NatWest Group, UK 11:35 Chairperson’s remarks Martin Sládeček, Director of Digital Strategic Studies, Société Générale, France 11:45 Closing speech from Uniglobal Andrea Isola, General Manager for Italy and SE Europe, N26, Italy 11:50 End of Module 1 Jessica Reynoso Maciel, Head of Digital Innovation and Client Experience MoraBanc, Andorra Tamás Erni, CEO, Loxon Solutions , Hungary 16:20 Q&A Session 16:35 Chairperson’s remarks 16:45 Closing speech from Uniglobal 16:50 End of Module 2

Innovation StrategyBank - bank incumbent ofaleading 10:55 10:40 Reflexis, Gabor ANEL DISCUSSION 10:00 or thebankingindustry, operational excellence +customer 09:45 09:30 09:15 Christensen, Directorony Bach ofStrategic Partnerships 09:05 Welcome &OpeningRemarksfrom theChairperson 09:00 Welcome &OpeningRemarksfrom Uniglobal 11:55 11:50 11:40 11:25 11:10 vation -akey success factor forachieving thestrategic goals • • • • • • • • • • • • • • • • •

UNIGLOBAL 2021 DAY 2 DAY

The Why Ronen Ben Bank –Fintechcooper The r Inno Dr Lessons learnedfr video identification) NFC first:r v Le conv NFC-based mobileidentityv Bastian Le Optimiz Prioritiz Identify thecrucialpr Benoit Gr How canOneSpanhelp? Selecting therightDigital Banking Leumi End ofModule3 Closing s Chairper Q&A Session AI/ML inCust The P Signa experien F Getting r Shaping T T cust combinatio which changing t financial One Cr Regional SalesDir Mikhail Hr P QU ABN AMRO Ger Nets, Denm Brian Harri P Raiff Vit Moder Making digitaltr The pr A The humanfact Deliv ABN AMRO Ger bank willlooklik ABN AMRO’ Nets Gr o significant changes in customer payment behaviour. NPL management is management behaviour. NPL payment customer in changes significant o erification amás Erni, CEO, Loxon, Hungary eter Daugherty, SolutionsConsultant,FinancialServices anelists: uthenticity &leadership . Maarten Wegdam, . Maarten eatio verage andidentitycards forremote identity theNFCchipinpassports old Sanotskyy, ”Nicole” Founder/CEO ofInternalStartup ALCO, Hungary ard Penning, ChiefHumanResources Officer ard Penning, ChiefHumanResources Officer INNOVATION – THE LIFEBLOOD OF SUCCESS omers, it is paving the way for a new era of customer-centric collections. of the pandemic’s unavoidable effects has been the deterioration of the of deterioration the been has pandemic’seffects the unavoidable of enience andconversion

eisen BankInternational, Austria ering ondigitaltransformation plans ole of leading incumbent banks in financial services innovationole ofleadingincumbentbanksinfinancialservices

Future

banks ecise balanceofmachineandman ator: Gyorfi, pre-and early collection have gained significantly in importance. In importance. in significantly gained have collection early pre-and vio willshowyou howto: oup, Denmark e thecustomer journey withadata-driven approach e customer excellence inhighly-regulated environments Trends &BusinessChallenges

now iuto o mn peiul haty utmr, n ti hs led has this and customers, healthy previously many of situation angé, Chief Technology Evangelist, OneSpan,France from a recovery function to a customer success function, within function, success customer a to function recovery a from yshchenko we, SeniorAccountExecutive SMB, eplacing olderremote identityverification technologies(OCRand -Bassat, HeadofInnovation, Group Strategy, BankLeumi,Israel son’s remarks ce =Customer Excellence. s, ChiefProduct Officer, Services Issuer&eSecurity the Future ofWork atABNAMRO eady forDigital Transformation n with AI/ML and its role in predicting the behaviouralpredictingthe rolein of its changes and AI/ML with n s unambiguousviewpoint onhowtheway ofworkingwithinthe BankN.V., The Netherlands BankN.V., The Netherlands ark peech from Uniglobal

Business De part of switch or ansformation plansandgoalsareality e goingforward.

omer-Centric Collections NPL ector EMEA&APAC

om customer casessuchasRabobank,INGandAegon of

ocesses thatimpactcustomer experience Zebra CEO, ReadID –powered by InnoValor ation

to Management: Transformation Platform

velopment Director NFC-based

T erification forKYC combinessecurity, echnologies, tel. +420 226 220400

identity Leverage

USA Signavio, Germany

verification

the

Benefits MODULE 3

of

Anna Michal Gabor MODULE 4 Martin e allseethestrong changesin businessandeconomyinstitutionalizing 14:55 eating ANewDimensionOfDigitalBankingWith 14:40 14:25 14:10 14:05 14:00 16:10 EndoftheForum 16:05 ClosingRemarksfrom Uniglobal 15:55 Forum &ClosingRemarksfrom Summary theChairperson 15:40 Q&ASession urning DigitalPayments Challengesinto Opportunities 15:25 15:10 oduction to WBTCB• Bitstock service • • • • • • • • • • • ent payments landscapeamongevolving customer habitsandnewtech • • • ole oftechnologyinavoiding credit crunchandlosses • • • • • • • •

WB Business D bringing digitiz intr connecting fiatandcr intr Cz Dir Embr Regulat Legal andpolicyissuesofpa Systems T Alexandr P Digitalization Cloud T Mark Neobank Intesa San Head ofDi Gian BattistaBaa sign P The r Curr QU Business D How t How t The r players Open Ba Crypto&Gold Cr Regulat Banks t Opening Opening T Managing therisingNPLtide ar platforms a W Société Gé Dir And atfirst,wher What ar What ar BaaP andBaaSappr What isdrivingthesuccessofplatforms combinatio rading ayments acceptance,bothin-store andonline,askey enablerfora e transforming themselves into intermediators, processors andtheir ech NationalBank,Czech Republic ector, Market Financial Division III Regulation ector DigitalStrategic of Studies ALCO, Hungary TCB, Czech Republic oducing abrand newsystemofdigitalized gold ificant market solutions adoptionofdigital etplace ole ofleadingincumbentbanksinadigitalscenario acing thepost-PSD2environment

Kadaníková o aligncollectionsandrecoveries operations withcustomer behavior o proactively identifyandmanagevulnerable loans

Gyorfi

Sládeček Vodrážka ory updatesintheEU ory e business opportunities around? e businessopportunities e their“energizers” and“catalysts”? fax +420226 220444 oday. The growth area ory landscapefor Paymentsory &FinTech echnologies, Belarus echnologies, gital Payments speechfrom theChairperson speechfrom Uniglobal nking Platforms Accelerated paolo, Italy nérale, France utyato, Executive Director ofSalesto Foreign Markets evelopment &DigitalStrategist Manager evelopment Director ns. Let’s discusswhat today’s journeys offuture winnersare. nd ecosystemsacross industriesincludingbanking. Key players OPEN BANKING &PAYMENTS ed goldcloserto fintechfans e isthevalue andexperienceforthecustomer? oaches? ypto bankingworld(since2014) yments andFinTech Wednesday, 17March 2021 www.uni-global.eu

SPEAKERS ANDPANELISTS DAY 2 DAY 1 CHAIRPERSONS — — SPEAKERS and PANELISTS

Kerim Alain Bertrand Luka Milinković SVP, Global Sales and Marketing Senior IS Auditor SmartMessage, Turkey NLB Bank Belgrade, Serbia DAY 1 Kerim Alain Bertrand is the SVP in SmartMessage Luka Milinković has many years of experience directing the Global Sales and Marketing teams. in controlling and managing of IT security risks Prior to joining SmartMessage, Kerim worked through the development of new solutions and for over twenty years for various technology performing IT audits. Luka has participated companies, from fin-tech to mar-tech to prop-tech in various projects such as development and and now back to mar-tech again. He has worked at implementation of crypto algorithms and Doğuş Group, one of the largest Holding companies protocols, authentication methods, GDPR, digital in Turkey as COO and CEO of two new technology payment systems, blockchain technology, data investments, and has lead the Turkish operations protection and implementation of models for of two prominent constituents of the FTSE-250 the automatic detection of internal/external fraudulent acts. Luka has experience in index, Euromoney Plc, and UBM Plc. Kerim holds a Master’s degree in International defining and improving the ITIL processes and IT controls, strategic IT management Economics from the University Pantheon-Assas, Paris-France. and IT risk management. Luka is a senior IS auditor at NLB Bank Belgrade and responsible for audits of IT Tony Bach Christensen processes, data protection, security and application controls. Director of Strategic Partnerships Luka is the author of numerous scientific papers, which were published at the Nets Group, Denmark international conferences, and professional articles in the field of IT business and data DAY 2 protection. Tony is an experienced technology and payments industry expert with broad cross-industry Simon Separghan knowledge. Today, Tony is heading Nets Group’s Managing Director – Customer Contact + 3rd party product development initiatives with Complaints global and local strategic partners incl. Visa, NatWest Group, UK Mastercard, and FinTech startups. He has previously built global partner programs for Successful CX, Global Operations and Digital several multinational companies and introduced Transformation, Distribution, and Commercial market leading solutions across the European Leader with extensive track record of delivering financial industry. Growth, Customer Engagement and Competitive advantage across some of the most recognized global brands through strategic innovation. Culture SPEAKERS AND PANELISTS Champion, Global Talent leader.

Margus Simson Anna Kadaníková Chief Digital Officer | Member of the Board Business Development Manager & Digital Strategist Komerční Banka, Czech Republic WBTCB, Czech Republic

Graduated from Tallinn University of Technology Anna Kadaníková has been part of the WBTCB’s in Estonia in the field of economics. From 2000 Digital Strategy and Business Development team to 2006, he worked as the director of the web for three years. She speaks several languages environment department at SEB Bank. From and is responsible for finding potential business 2006 to 2009, he served as Director of Electronic partners and business development opportunities Channels at Swedbank. From 2009 to 2013, he for the WBTCB Group worldwide. She has a strong held various positions in the field of information base in interpersonal communication, psychology, technology within Eesti Energia, which is the cryptography and e-commerce (14 years). She largest producer and supplier of energy in Estonia. says: “The development of our business is a In 2014, he served as Deputy Director of the thrilling challenge in all aspects of the digitalisation of banking around the world. It is Estonian Information Systems Authority Riigi infosüsteem Amet. From 2009 to 2017, an opportunity for new entities, new services and new he worked as an expert in digital strategy and CEO at Ziraff, which has the greatest approaches ...” experience in digital services in Estonia. From 2017 to 2019, he held the position of CDO and Director of Digitization at Luminor Bank. With effect from 14 January 2019, Benoit Grangé he was elected by the Supervisory Board as a member of the Board of Directors of Chief Technology Evangelist Komerční banka, Chief Digital Officer with responsibility for managing the Information OneSpan, France Technology, Organization and Change Management and Platform Services, Enterprise Services, Business Services and Data Management tribes. Benoit Grangé is OneSpan’s Chief Technology Evangelist. He is focused on sharing OneSpan’s Roger Wurzel technology vision and deep industry insights CEO with customers, partners and the broader DLT Finance Group, Germany/Liechtenstein global financial services market. In his role, Benoit helps build critical mass in support of Senior Investment Banker & Derivatives Trader with OneSpan’s solutions to the technical standards more than 20 years at Deutsche Bank, excellent in the marketplace around customer-centric anti- network in the fraud solutions rooted in identity verification and international Investment banking sector. Business management. His extensive experience in product management, product strategy, Development at Bank Frick, the leading Bank for and leading engineering teams helped oneSpan generate significant growth during Digital Assets. his tenure as Chief Technology Officer. He holds an MMath from the University of Built up a fully regulated environment for financial Bordeaux. institutions to trade digital assets. Alfonso Ayuso Subdirector General – Head of Regulation and Public Policy Banco Sabadell, Spain

Currently he is working as Head of Regulation and Public Policy at Banco Sabadell, formerly as Chief Innovation Officer. He has developed his professional career in several banking entities managing positions of responsibility in areas related to technology, financial markets, product

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu — SPEAKERS and PANELISTS — SPEAKERS and PANELISTS development and relationship with clients, such as Treasury and Capital Markets, Burcu Uslu Private Banking or Research. He holds a degree in Aeronautical Engineer from the Regional Manager, Europe and Central Asia Polytechnic University of Madrid and an MBA from the IE Business School. Likewise, he SmartMessage, Turkey is a very active member of Spanish sectorial working groups belonging to the Spanish Banking Association and acting as member of the board in several organizations like Burcu Uslu works as Regional Manager for Alastria Blockchain Consortium, Redsys or Iberpay, among others. Europe and Central Asia. She has twenty years of professional experience and worked in different Brian Harris roles for various sectors from FMCG to defence and Chief Product Officer, Issuer & eSecurity Services security, telecommunications. As a strong believer Nets, Denmark of innovation, she has been a trusted mentor and trainer for start-ups and entrepreneurs in different Brian Harris joined Nets in early 2019 as Chief organizations on a pro bono basis. Prior to joining Product Officer of Issuer & eSecurity Services. By SmartMessage, she worked for Turkcell, one of combining his product and technology experience the first digital operators of Turkey. In addition to BS in Engineering from Middle East with an unwavering focus on the customer, he and Technical University, Turkey, she holds an MBA degree. his team have successfully launched the award winning Digital Lending Platform for consumer Gerard Penning financing, protected consumers with the Nets Chief Human Resources Officer Fraud Ensemble, an AI powered anti-fraud engine, ABN AMRO Bank N.V., The Netherlands and most recently introduced a UX centred 3DS solution for Issuers to balance security with simplicity. Gerard Penning, CHRO, was appointed to the Brian has over 20 years of experience in bringing winning solutions to the market in Executive Committee of ABN AMRO Bank N.V. on payments organisations such as Nets, Western Union and Currencies Direct. With a 1 August 2020. As Chief Human Resources Officer, customer driven approach, he is passionate about making the complex world of global he is responsible for HR and transformation. After payments and digital products simple and intuitive, whilst ensuring a strong focus on obtaining his Civil Law degree at Leiden University, sustainable growth. Furthermore, he has an impressive track record when it comes to Gerard started his career with Deloitte in 1988. developing exceptional teams and fostering innovation and forward-thinking product In 1990 he joined Shell, where he had diversified mindsets within an organisation. positions over the years. From 2013 to 2020 he was appointed as Executive Vice President Maurizio Poletto HR Downstream in London. Besides, Gerard has been appointed as member of the Chief Platform Officer | Member of the Board supervisory board of the Sustainable Energy for All (SEforALL) This international Erste Group Bank AG, Austria organization is committed to achieve universal access to sustainable energy by 2030 and reducing greenhouse gas emissions to limit climate warming. Maurizio Poletto joined the ranks of the Erste Group management board in January 2021 as the Gian Battista Baa’ first-ever Chief Platform Officer. Maurizio isthe Head of Digital Payments founder of Erste Group’s inhouse fintech and has Intesa Sanpaolo, Italy been a driving force behind the development of George, whose more than 6 million users across As Head of Digital Payments and Services, Gian Austria and CEE make it the region’s leading Battista is currently responsible for developing and banking platform. positioning strategies for innovative payment and Open Banking solutions both for retail and business Guillaume Vaslin customers of Intesa Sanpaolo, the largest bank in CEO and Creative Director Italy. This role exposes Gian Battista to several ENNO Studio, Germany challenges every day in leading his team, dealing with a highly competitive market and negotiating Guillaume Vaslin is a French entrepreneur and with third party players such as Payment networks, strategic designer. After founding eelusion Games fintechs and non-financial service providers, in addition to fostering the digital culture Studio and then managing The European Magazine, within a territory anchored giant. Moreover, in his tenure at Intesa Sanpaolo he has he headed to Latin America to participate in the been working on the ideation, creation and launch of some of the most innovative STARTUP Chile Incubator while advising several digital products of the bank such as the mobile wallet of the bank, called XME Wallet, VC and startups. Guillaume has designed products that help customers managing their expenses and gain access to the most innovative for several banks and insurance companies such payment solution in the market such as and Samsung Pay. As well, he is as TEO/Sparda Bank, Wüstenrot, ADAC and Bank responsible for the creation of new solutions in the Open Banking field, such as XME CLER, in addition to European scale-ups such as banks, the new financial aggregator (AISP & PISP) provided by Intesa Sanpaolo. Gian HelloFresh and Mymuesli. As the head of ENNO studio, Guillaume sees design as Battista has over 10 years of experience in the banking industry and he has been the confluence of stakeholder interests, targeted user experience, and technological previously working within the Marketing dept. potential. Working with startups, firms and universities across Europe allows him to adopt and share the best ideas, processes and thinking to deliver design that users Vitold Sanotskyy love and depend on every day. Founder & CEO of Internal Startup “Nicole” Raiffeisen Bank International, Austria Gabor Gyorfi Business Development Director Senior Digital Banking expert with background in QUALCO, Hungary behavioral economics and statistics, 6+ years of experience in two of the largest European banking Gabor is an economist with a strong background of groups. Previous responsibilities include designing banking technology. Spent 5 years as a university and developing digital analytics tracking, product teacher at Budapest Business School and have ownership for platform website rolled out to 9 worked for Erste and Intesa both in business and IT countries. Currently leading one of two internal areas before switched to the banking IT solutions startups of Raiffeisen Bank International. provider side. During this last decade he has lived in the Middle East for a while and traveled around 4 continents to develop business. Joined Qualco in 2020 to take care of its international presence especially focusing on CEE countries.

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu — SPEAKERS and PANELISTS

Jessica Reynoso Maciel Luc Haldimann Head of Digital Innovation and Client Experience CEO MoraBanc, Andorra Unblu Inc, Switzerland

Specialist in communication, Jessica is in charge Luc Haldimann is the co-founder, CEO, and of leading the customer-centric and digital mindset Chairman of Unblu Inc. Internationally, he has at MoraBanc. She is part of the team in charge of previously held a management position within MoraBanc Digital, a multi-awarded digital banking OpenText. Other roles have included IXOS and the project where client experience is the main content management system producer Obtree, innovation driver. During her 8 years working on where he was also cofounder and Chairman. Luc banking services, she has been dedicated to find Haldimann graduated with a Master’s degree in effective ways to drive change through content Computer Science from ETH Zurich. creation in order to meet client’s needs and expectations. Peter Daugherty Solutions Consultant, Financial Services Martin Sládeček Reflexis, now part of Zebra Technologies, USA Director of Digital Strategic Studies Société Générale, France Pete Daugherty is a Solutions Consultant, for Financial Services at Reflexis, a Zebra company. Martin Sladecek is the Director of Digital Strategic He has over 20 years of retail banking experience Studies in Société Générale recently and acted in branch, contact center, and corporate roles, as the Open Banking Leader in Komercni banka including as the retail executive for a multi-state Czech Republic formerly. Martin focuses on the branch network. Pete has spent the last four years agile leadership of innovative and transformative in the software solutions space helping banks with business opportunities within digital banking, workforce planning challenges. definition of a new customer value in the new challenging era of banking. He evangelizes related & up-to-date topics such as the open banking, Tamás Erni open economy, shared and aggregated services and API business across the bank CEO with the special focus on banking & financial innovations, innovation culture, fintechs, Loxon Solutions, Hungary sustainability, and emerging market trends. Before joining Société Générale, Martin has worked as management and business Tamas joined Loxon in 2001 after a successful advisor and consultant with over 20 years of hands-on consultancy and managerial career in banking and macroeconomic modelling. experiences in the business and ICT challenges of the banking and finance sector Drawing on his extensive experience, he was focusing on business innovations, digital marketing and communication, technology entrusted with setting up the company’s business advantages and multichannel solutions delivered to CEE banking market leaders consultancy team and with managing several such as Komerční banka (Société Générale), VÚB (Intesa Sanpaolo), Československá projects aimed at improving the IT support of obchodní banka (KBC) or Global Payments Europe. Martin holds an Ph.D. and the lending and risk management processes of Certificate in Management from the Czech Technical University in Prague and besides different financial institutions. The latter included his banking career acts as the professional coach. leading the development and implementation of Loxon Collateral Management, Rating/Scoring, Retail and Corporate Lending systems Iryna Maksymets and Basel II preparation projects throughout the EMEA region. His contribution Digital intelligence consultant, Relationship has played a prominent part in making Loxon one of the market leaders in lending, Manager collection and risk management business solutions, now providing its systems and ABBYY Europe implementation services to clients in more than 25 countries. Tamas has served as Loxon’s CEO since 2012. Iryna has 12 years’ experience, acting as a trusted Advisor in Technology Consulting for a variety of Balint Bako leading software companies. One of her major Project Manager focus areas is on understanding how low code ApPello, Hungary platforms and AI technologies transform data processing operation to help Enterprises to be Balint is currently managing ApPello’s AI Research ready for an Innovation Digital Future. and Development Team. Prior to ABBYY, Iryna held partner program Before joining ApPello, he worked more than 5 for Microsoft Services at Sitronics where she led channel development, strategic years as a Risk management consultant, gained marketing and project management, building Win-Win strategies with the clients, Start- extensive experiences in credit and operational up business development, strategic partner recruitment. risk. Throughout his carrier he was involved in several local and international banking projects, Dr. Maarten Wegdam mainly related to risk management and banking CEO ReadID and strategic advisor InnoValor software implementation. ReadID, InnoValor, The Netherlands Alexandr Putyato Dr. Maarten Wegdam is co-founder and strategic Executive Director of Sales to Foreign Markets advisor of InnoValor, and CEO of ReadID. ReadID Systems Technologies, Belarus is a mobile identity verification software product. Mr. Wegdam has a MSc and PhD in computer Graduated from the Belarusian-Russian University science and worked for several R&D companies with a degree in Automated Information Processing including Alcatel-Lucent (Bell Labs) and KPN. He Systems (Electrotechnical Faculty). Since 2006 also worked as an Assistant Professor for the worked in “Beltopgaz” GPO in the field of automation University of Twente (the Netherlands). He advises of production processes. In 2011 started working government, banks and service providers on a at JLLC “SYSTEMS TECHNOLOGIES”, oversaw strategic level on digital identities, eID, biometrics issues of project management. Currently holds and ePassports. He is a regular speaker at conferences, gives masterclass and is a the position of Executive Director and leads the guest lecturer on digital identities and identity verification. promotion and go-to-market of innovative products and services of the company in the Republic of Belarus and worldwide. Launched quite a few startups and innovative projects in banking and financial area.

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu — SPEAKERS and PANELISTS

Mikhail Hryshchenko Andrea Isola Regional Sales Director EMEA & APAC General Manager for Italy and South East Europe Creatio N26, Italy

Mike has more than 10 years of experience Andrea joined N26 at the start of 2019, moving to in sales and business development which he the company’s Milan office from , gained through his former employments at Mars, where he was a Principal for Bain & Company. Philip Morris International, and SoftServe, and With over 14 years of experience in management now at Creatio – a global software company consultancy, Andrea thrives in the space where providing a leading low-code platform for process banking, finance and technology converge. Over management and CRM. his career, he has helped some of the world’s Mike has extensive experience in handling new largest players in the industry to establish agile business opportunities, clients, and markets, as working models and implement complex digital well as customer success management. Currently, at Creatio, he is responsible for transformations in markets all across the globe. Andrea holds a degree in international sales strategy development and execution. business from Nottingham Trent University. He is also a certified Scrum Master and Product owner. Ronen Ben-Bassat Head of Innovation, Group Strategy Murat Guner Bank Leumi, Israel Regional Manager, MEA SmartMessage, Turkey Head of Innovation and Senior Strategic Project Manager, Group Strategy and Innovation, Bank Murat works as the Regional Manager in Leumi SmartMessage responsible for the MEA region. Previously he worked for leading technology brands including Oracle, IBM and Turkcell. With his deep expertise in sales and business development experience, he actively contributes to the success of SmartMessage especially in the MEA region.

Andrei Gaman Anil Nayak Commercial Vice President National Blockchain Expert Panel Member FintechOS, Romania National Standards Authority of Ireland, Ireland

Andrei is the Commercial Vice President at Anil Nayak is Managing Consultant and has been FintechOS, where he works with banks and working on Treasury, Payments and Regulatory insurance companies across EMEA to build, seed implementation/transformation projects with over and scale unique products and customer journeys 12 years of experience. His professional activities in weeks rather than months. includes Consulting on Digital Strategy, Agile In the last 15+ years he has worked passionately ways of work, Architecture & Delivery Roadmap. with companies of all sizes from diverse industries, He loves to teach and is an invited guest lecturer building joint technology-driven growth initiatives. at International Universities (covering Emerging His background includes a 12-year experience at Technologies). His works with start-up has helped Microsoft, where Andrei worked with strong and Fintech to create partnership with established motivated teams across 30+ countries in Europe to bring digital transformation to players; He has published whitepapers contributes as expert member of NSAI (National companies, and people, by identifying, qualifying, on-boarding, and activating strategic Standards Authority of Ireland) on ISO TC 307 Blockchain. partnerships. Khemindra Nadarajah Michal Vodrážka Senior Solution Architect Director, Financial Market Regulation Division III ABBYY Czech National Bank, Czech Republic

Michal Vodrazka holds master’s degrees in law from the University of West Bohemia and in public policy from KDI School of public policy and management in South Korea. He has been working for the Czech central bank since 2010, currently heading the division entrusted with payments, fintech and consumer protection regulation.

Bastian Lewe Senior Account Executive SMB Signavio, Germany

Bastian Lewe, Senior Account Executive SMB at Signavio GmbH, will help you prepare your company for a successful digital transformation. Bastian will also share an overview of the Signavio Business Transformation Suite, demonstrating how optimizing, modeling, analyzing, and automating your business processes can help support your customer excellence initiative. Digitise your customer engagement Powering payment Put innovation at the centre solutions for an of your business easier tomorrow Drive revenue growth Nets is a leading European provider of Reduce your digital payment services and related business costs technology solutions with headquarters in Copenhagen, Denmark, and 4,100 employees across Europe.

We help financial institutions, businesses and merchants make tomorrow a little easier for their One-stop-shop for agnostic payment processing services customers by enabling seamless payment experiences through modern, Modular platform logic and easy to access APIs driving flexible and innovative payment solutions and digital services - while speed in innovation and simplicity always delivering unrivalled security

and stability. Unmatched scale in transactions and data ensuring high quality and cost efficiency Visit nets.eu for more information Contact: [email protected] Trust in stability, security and compliance

Digital Transformation. Secured.

WHITEPAPER Digital Account Opening: How to Transform & Protect the Account Opening Journey

Download the whitepaper OneSpan.com/DAO Deliver Branch Efficiency, Effectiveness & Productivity Silver Sponsors

AI-Powered Workforce Management

Mobile Employee Engagement

Branch Execution & Visibility

Secure Internal Communications

Verified Customer Appointments

LEARN MORE ABOUT REFLEXIS ONE FOR BANKING www.reflexisinc.com/banking [email protected]

Digital Intelligence for Financial Services

Arrive at virtual banking faster

www.abbyy.com Deliver Branch Efficiency, SPONSORS and PARTNERS Effectiveness & Productivity Silver Sponsors

AI-Powered Workforce Management

Mobile Employee Engagement SmartMessage is a software technology company that provides the omnichannel marketing and customer experience platform that helps leading brands confidently FintechOS is on a mission to transform how people engage with the everyday services scale communications over millions of customers in real-time. they need. Using innovative tools and a deep understanding of the customer journey, our mission is to bring effortless, personalized experiences to everyone. SmartMessage has strong penetration in the banking and finance industry serving Branch Execution & pioneers such as Garanti BBVA, Isbank, UniCredit, NCB, Emirates NBD, Khan Bank, We empower organizations to become truly customer-centric, helping them to adopt Visibility AlBaraka, Odeabank, and many leading financial institutions. a data-driven approach, and consolidate critical data from multiple sources like databases or IoT devices. This connectivity accelerates processing, automation, and For more information please visit https://www.smartmessage.com. above all, delivery of a streamlined experience. Better still, it slashes costs. Our tech integrates customer data at every level of the customer journey - from the product catalog to the app. These capabilities free our clients to tailor products, workflows, Secure Internal and interactions to a segment of one. Communications FintechOS Lighthouse, our customer-centric platform for banking enables the delivery of smarter, profitable products and personalized experiences. Pre-built functionality and low-code empower organizations to create value quickly. Move away from legacy Verified Customer systems, or keep them in place - it’s all possible. More than 40 institutions run on FintechOS, including Eerste Bank, Societe Generale, Appointments Scotia bank, Hyperion Insurance Group, Insurance Group and many more. Our reach spans 20 markets and four continents. We manage a total of $85bn in assets and have offices in London, Amsterdam, Bucharest, Copenhagen and Vienna. Learn more at https://fintechos.com LEARN MORE ABOUT REFLEXIS ONE FOR BANKING www.reflexisinc.com/banking [email protected] Creatio is a global software company providing a leading low-code platform for process management and CRM. The company has been highly recognized as a market leader by key industry analysts. Its intelligent products accelerate sales, marketing, service and operations for mid-size and large enterprises. Together with hundreds of partners Creatio operates in 110 countries worldwide. The mission of Creatio is to help companies ACCELERATE! For more information, please visit www.creatio.com.

Over 1 million users in more than 1,500 organizations worldwide rely on Signavio’s unique offering to make process part of their DNA. Signavio’s business transformation suite enables mid-size and large organizations to effectively mine, model, monitor, manage and maintain their business processes. The intelligent Suite addresses digital transformation, operational excellence and customer centricity, placing them at the heart of the world’s leading organizations. Headquartered in , with offices in US, UK, France, Netherlands, Switzerland, Singapore and Australia, Signavio is well placed to deliver local services on a global scale. For more information, visit www.signavio.com.

Loxon is a business solutions provider, offering integrated lending, collection and risk management software solutions for the financial services industry. It is also a dedicated vendor of software solutions which aims to serve banks and leasing companies, covering the entire lending, collection and risk management lifecycle. Loxon has its head office in Budapest, Hungary, and has offices in Romania (Bucharest), Russia (Moscow), Manama (Bahrain), Turkey (Istanbul) and the United Arab Emirates (Dubai). For more information, please visit https://www.loxon.eu/en

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu SPONSORS and PARTNERS

Bronze Sponsors Innovation Sponsors

For more than 20 years, we help organisations adapt to a constantly changing credit The goal of our company is to create a universal service that will allow clients to buy risk and distressed asset landscape driven by economic, regulatory, and behavioural and sell “digital gold” (such as crypto assets or digitalized gold) within one client considerations at both global and local levels. Our technology comprises enterprise- account for crowns and euros, to secure storage and the possibility of fast receipt class, highly scalable, end-to-end systems that drive our 70+ clients around the world and sending within users. We also want to offer a wide range of other services, such to new levels of efficiency. We’re investing in explainable AI and Machine Learning as savings, affiliate program and more ... to make sense of our client’s data by bringing predictive insights to their operations. Learn more at https://www.bitstock.com Learn how you can improve liquidation, reduce credit risk and mitigate losses through technology and innovation at www.qualco.eu.

Media Partners

ENNO studio - designing engaging digital experiences. ENNO studio is a design consultancy specialising in user experience, innovation Whether you are a bank, a credit union or just starting a lending company – this is and branding. Our Berlin-based team deal in the optimisation of UX, UI and journeys what puts an end to all your IT-related worries. applying our expertise with a user-centred approach. Our core-banking solution is highly modular and can be tailored to your specific We are strategically minded creative consultants with extensive design backgrounds. demands, whether it’s about specific lending approval workflows in the back office or Collaborating with big firms to startups, we share and connect our knowledge with for a client-facing interface. Bankish provides a flexible and extensive toolbox of core the latest trends to deliver seamless, customised digital solutions. And we immerse IT solutions to help financial services providers take the leap from legacy architecture ourselves with clients to guide them to sustainable change using our unique to an intuitive, secure, and user-friendly environment. methodology built on rapid prototyping and design thinking. • End-to-end functionality French-German entrepreneur and designer, Guillaume, is the founder and creative • Cloud-based SaaS director of ENNO. Creating his first company at 21, he began his career within • Modular and tailored approach the startup community riding the rollercoaster of funding, exits and innovation. After gaining experience as the creative lead for his previous ventures, Guillaume • Full infrastructure implementation now focuses on his passion for beautiful, functional design and engaging digital • No need for internal IT capacity experiences at ENNO. Bankish software lies at the heart of your FI operations – from day one we have taken Learn more at https://ennostudio.com on big projects for financial institutions across Europe so that they can work on what matters. For more information please visit https://bankish.eu

Partner Sponsor

SYSTEM TECHNOLOGIES is highly experienced in the development of the solutions At VSoft we help organizations to automate middle and back-office processes. We do and products based on a wide range of technologies. Our flexible engagement models that by delivering our low-code platform to support companies’ internal development provide support exactly the way customers need it. By keeping engagement models capabilities; delivering our ready-made IT solutions that also can be implemented with adaptable, SYSTEM TECHNOLOGIES is able to ensure successful delivery of the our help and expertise, but as well they can be a tailor made project. customer’s unique project requirements. Our expertise covers area of the debt collection, credit origination & management, Our company specializes in the development of its own software products for field services, insurance broker management. automation of banks and companies activities. Our clients are represented by the Visit us at: https://www.vsoft.pl/en/home-en biggest banks and companies of various economy branches. Learn more here https://www.st.by/en/

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu SPONSORS and PARTNERS

Innovation Sponsors Exhibitor Sponsors

Feerica is a Portuguese company founded in 1982 based in Mafra, specialized in Zentity is a global leader in the digital banking sector. Our Digital Banking solution has security solutions for Bank branches, ATM’s and CIT’s operators. been deployed in leading financial institutions in retail banking, corporate banking, It’s an innovative and flexible engineering company with the clear vision and strategy private wealth management, lending and insurance segments. on developing and integrating security solutions with the objective to the level of The company has been recognized by Gartner in various banking related reports and security, increase operational efficiency and lowering cost of operations. is among the fastest growing companies in Europe in accordance with Deloitte Fast To guarantee an exceptional degree of market reputation Feerica follows the best 50 and CIO Business World. practices and processes around the world, together with the assembly line being Zentity is based in Prague with subsidiary companies in , Switzerland, ISO9001 certified, continuously striving to deliver the highest quality products and Hungary and USA. services. Clients: KBC Group, Nedbank Group, BNP Paribas Group, ING Bank, Addiko Bank For more information please visit https://feerica.com Group, Raiffeisenbank, Waldviertler Sparkasse, OTP Banka, Vodafone Group, Deutsche Telekom Group, O2 Czech Republic, Insurance, Volkswagen Group and many others. For more information please visit https://zentity.com

Media Partners

COMPARE & RESEARCH THE LAW, WORLDWIDE.

Established in 2002, Global Legal Group (GLG) is an independent, London-based CryptoNewsZ is a News Publication that brings the latest news on cryptocurrencies, media company specialising in the legal market. Through print and digital channels blockchain, ICOs, crypto exchanges, DApps, price analysis of cryptocurrencies, we provide legal, regulatory and policy information to senior executives, general interviews and other prominent events for the crypto community. counsel, law firms and government agencies. We aim to evolve the crypto world and help people understand each and every Learn more at www.glgroup.co.uk concept. Ours is a commercial website providing exclusive news and information with an extensive reach of users across the globe. Visit us on: https://www.cryptonewsz.com

Partner Sponsor Banking CIO Outlook Magazine covers the latest technology updates in the banking sector, challenges to face in the banking IT community, including payments, security, channels, and banking compliance. Determined to offer a myriad of additional services that can improve businesses, Banking CIO Outlook magazine stands out with its learn-from-peers approach, offering professionals the most comprehensive Holland FinTech has created one of the largest independent global marketplaces for collection of technology trends. financial services & technology ecosystem, empowering more than 500 company For more information visit: https://www.bankingciooutlook.com members. Holland Fintech delivers professional services to its members across the world, by making use of its large global network and deep understanding of fintech. Members range from start-ups to large corporations in financial services and technology players as well as related service providers. Holland FinTech strives to improve (access to and understanding of) financial service globally, by driving competition and co-operation throughout the value chain. Website: https://hollandfintech.com

Fintek.pl is a one of the biggest portals in Poland devoted to . On fintek.pl you will find current information, stories of successes and failures, opinions and interviews on financial and technological topics every day. Website: https://fintek.pl

UNIGLOBAL 2021 tel. +420 226 220 450400 fax +420 226 220 444 www.uni-global.eu PDF PRESENTATIONS SWAPCARD OFFICIAL EVENT APP

Short URL: www.uni-global.eu/bif21 https://help.swapcard.com/portal/en/kb/articles/how- Password has been sent to your email address to-access-the-web-or-mobile-app

Alexandra Belausava, Event Manager Pavel Isachkin, Sales Director tel. +420 226 220 408 tel. +420 226 220 430 email: [email protected] email: [email protected]

We would like to thank everyone who assisted with the research and organisation of this event, particularly the speakers for their support and commitment and we thank all of our sponsors and delegates and we hope to see you in one of our future events as well.

Uniglobal Events 2021