Showguide 2015

1-3 DECEMBER 2015 // ISTANBUL, TURKEY A GLOBAL GATHERING OF SENIOR LEADERS FROM THE PAYMENTS INDUSTRY Co-located with

SHOWGUIDE

Founding Partner Host Operator Host Bank Partner Payments Accelerator Sponsor

Gold Sponsors Workshop Sponsor

Bronze Sponsors Exhibitors Partners

www.mobile-money-global.com

PS-mpClear is a real-time mobile payment switch for processing and clearing inter-bank and inter- processor mobile payment transactions, while enabling Clearing Houses to assume their regulatory role through its means to oversee and control the financial stability of the provider(s) of the mobile payment service and assure their compliance with the Clearing House’s regulations. PS-mpClear also processes and switches mobile financial and non-financial transactions in STP basis and routes messages between multiple mobile payment service providers ensuring interoperability.

To learn more about PS-mpClear, please visit: www.progressoft.com/ps-mpclear or contact us at [email protected]

2 www.mobile-money-global.com WELCOME NOTE

Oversee & Truly Regulate 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Welcome to Istanbul! at the Payments Dragons’ Den. Make sure you also National Mobile Payment Services It is with great delight that we welcome you to join us at 17:45 on 2 December for the presentation Mobile Money & Digital Payments Global 2015, of the 2015 Global Payments Awards! co-located with Payments Security & Authentication There really is something for everyone – so take a and Merchant Payments. look through this programme to plan out the next It has been such an exciting year for payments few days of your visit! around the world. Banking and financial services is We will also be announcing some exciting news now in a new era. Traditional bodies are completely about our plans for this event next year. Make sure re-evaluating their competitive edge, start-ups are you stay until the last session on 3 December to find redefining the economics of payments, providers out more about our exciting new launch – PayExpo are innovating at an unprecedented rate, the media Istanbul 2016. are excited and the public are keen and ready to Don’t forget to join us on twitter live during the show adopt new payment channels to suit their evolving – post your questions, comments and thoughts to @ transactional habits. mobilemoneyhub using #MMGlobal It is thrilling to have so many individuals and leading Once again, a big welcome to the event and wishing organisations here to join us from around the world, you a very successful show and a great time united in the journey towards a cashless society. in Istanbul. We would like to thank our sponsors, exhibitors, speakers, partners, and of course you, our audience Best wishes for the support that has enabled us to build on last year’s successful event to host the largest gathering Zehra J Chudry to date here in Istanbul. Head of Content, Mobile Money & Digital You can use this guide to acquaint yourself with Payments World Series everything that is happening on site. T: +44 (0) 20 7384 7920 | E: [email protected] In addition to the conference sessions, you have the opportunity to find out about the latest technologies from leading providers in the exhibition hall and see what start-up companies are bringing to the market Follow Zehra @ zjchudry

Contents

Workshop Agendas...... 4

PS-mpClear is a real-time mobile payment switch for processing and clearing inter-bank and inter- Meet the Team...... 5 processor mobile payment transactions, while enabling Clearing Houses to assume their regulatory role through its means to oversee and control the financial stability of the provider(s) of the mobile Floorplan...... 6 payment service and assure their compliance with the Clearing House’s regulations. PS-mpClear also processes and switches mobile financial and non-financial transactions in STP basis and routes messag- Merchant Payment Agenda...... 4 es between multiple mobile payment service providers ensuring interoperability. Day 1 Agenda...... 8 To learn more about PS-mpClear, please visit: Day 2 Agenda...... 11 www.progressoft.com/ps-mpclear or contact us at [email protected] Speaker Biographies...... 14 Sponsor & Exhibitor Profiles...... 29 Media Partners...... 34

GAINING AUTHORISATION IN EUROPE WORKSHOP THE NEXT MILE: MOBILE FUTURE FOR REMITTANCES WORKSHOP Led by Led by

Nigel Reed, Operations Director, Neopay 09.30 Registration and coffee 09.30 Registration and coffee 10.00 Top trends in the remittance marketplace 10.00 Introduction to the Neopay ‘Gaining authorisation in Europe’ workshop Faisal Khan, Founder & CEO, Faisal Khan & Company 10.10 Background to e-money and the FCA 10.30 Building mobile as the new remittance corridor • Advantages of the UK / FCA • Alternatives Ambar Sur, CEO, Terra 10.30 Authorisation process requirements 11.00 Coffee and networking break (including break-out sessions) • Preparation – Business plan, risk management, 11.30 Modeling regulatory remit for cross-border transactions control framework Panellists include: • Application pack Hamida Mohamed Salih Ibrahim, Manager Payment Systems • Application submission Directorate, Central Bank of Sudan 11.30 Coffee and networking break 12.15 Adopting winning business models to catalyze usage 12.00 Authorisation process requirements continued • FCA liaison Hugo Cuevas-Mohr, Mohr World Consulting • FCA decision 13.00 Lunch break 12.30 Lunch break 14.00 Securing customer trust at scale 13.30 Increase your chances of success Mahindra Comviva • Expectations Led by • Ongoing requirements 15.00 Coffee and networking break 14.30 Coffee and networking break 15.30 Cool customer case studies on remittance innovation 15.00 Increase your chances of success continued Led by Mahindra Comviva • How to remain compliant 15.45 Audience questions and Chairperson’s summary 16.30 Close of workshop 16.00 Close of workshop

MERCHANT PAYMENT AGENDA: WEDNESDAY 2 DECEMBER 2015

14.00 Workshop Three

In partnership with

Run by Burak Ünaldı, Secretary General, TAMPF (Turkish Federation of Shopping Centres and Retailers) 08.30 Registration and coffee Including the panel discussion: Web, app, in-store or all?: When is it critical for all merchant types to offer omni-channel experience 09.20 Workshop One for their customers E-commerce and customer payment journeys Moderator: Moses Kemibaro, Commercial Manager, Perform Group 10.40 Coffee and networking break 11.20 Workshop Two Panellists include: Burak Ünaldı, Secretary General, TAMPF Payment channels – what options are available to you and (Turkish Federation of Shopping Centres and Retailers) what factors do you need to consider when introducing a Utku Temiz, Digital Sales Systems Manager, payment layer Domino’s Pizza Turkey Francesco Burelli, Partner, Innovalue Management Advisors 15.50 Coffee and networking break 13.00 Lunch and networking break 16.30 Workshop Four Mobile financial services – building a sustainable infrastructure for your financial service

in partnership with

Run by Kimathi Githachuri, Head of The Helix Institute of Digital Finance, Microsave

4 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

MEET THE TEAM

Please do not hesitate to ask a member of our team at the registration desk if you have any questions or require assistance:

Zehra Chudry, Head of Content E: [email protected]

Mike Seaman, Portfolio Director E: [email protected]

Sophia De Francesco, Programme Manager E: [email protected]

Rebecca Pinner, Production Assistant E: [email protected]

Manoj Nardani, Commercial Manager E: [email protected]

Abigail Bailey, Operations Manager E: [email protected]

FOLLOW US ON JOIN US @MobileMoneyHub @PSAWorldSeries Search ‘Mobile #MMGlobal @PaymentGateway Money Group’ AND USE OUR HASHTAGS: #MMGlobal #PSAGlobal

Catering Catering Merchants Payment Theatre

Mobile Money & Digital PayExpo Istanbul Payments Global 2016 Area & Payments Security & Authentication Global

Telepin Software A10 Tpay B5

Amdocs B10 Easy Solutions A15 ProgressSoft Corporation B15 Neopay A20 Wirecard B20 Dermalog A25 Estel B22

eServGlobal A30 Tagattitude C22

6 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Catering Catering Merchants Payment Theatre

Mobile Money & Digital PayExpo Istanbul Payments Global 2016 Area & Payments Security & Authentication Global

FAMOCO C25 Mobven E27

IKI D5 Starters Hub E28 Terra & Mahindra Comviva D10 Raklet E30 IBM E10 Nomad / Cortex E31 ininal E25

Satsec E26 Payments Accelerator E32

08.30 Registration and coffee 08.50 Speaker briefing

1-3 DECEMBER 2015 // ISTANBUL, TURKEY ADDING INNOVATION TO EXISTING PAYMENT PLATFORMS REGULATION & ECOSYSTEM DEVELOPMENT 09.20 Clarion Events & Chairpersons welcome address 09.20 Clarion Events & Chairpersons welcome address Rebecca Pinner, Programme Assistant, Clarion Events Sophia de Francesco, Programme Manager, Faisal Khan, Founder & CEO, Faisal Khan & Company Clarion Events Audience poll: Have banks finally gained the competitive Tom Wills, Director, Ontrack Advisory edge on MNOs for financial services offerings? Audience poll: Is cryptocurrency the answer to 09.25 Welcome Address: EU financing instruments for innovation trusted transactions? Andrey Novakov, Member, European Parliament 09.30 Opening address: Payments system fraud trends and 09.35 Transforming Mobile Wallet into Country-wide management in Turkey Interoperable Mobile Payment Ecosystem Engin Eraydin, Vice President of Fraud, BKM Nabeel Ghunaim, Senior Technologist, ProgressSoft Corporation 09.55 NFC deployment strategies: The role of the secure Hala Abu Hantash, Business Alliance Consultant, element in the new and evolving NFC landscape ProgressSoft Corporation Hervé Pierre, Chairman of the Board, SIMalliance 09.55 The way forward: Moving beyond financial inclusion to economic inclusion 10.20 How do regulatory requirements help prevent targeted attacks against payment systems Sharath Dorbala, Head of Sales Marketing and Products, Amdocs 10.10 The Regulators Panel: Innovation vs. Regulation Levente Habány, Cyber Security Advisor, Bank Association for Central and Eastern Europe Moderator: Robert Courtneidge, Global Head of Cards and Payments, Locke Lord 10.40 Coffee and networking break Panellists include: IDENTITY MANAGEMENT Zahir Fagery Payment Systems , Deputy Manager, 11.20 Routes to tackle online payment as a hot vehicle for Directorate, Central Bank of Sudan hiding fraud Mehmet Sıddık Yurtçiçek, Head of Legal Affairs Department, Banking Regulation and Supervision Hossam M. Abd El-Rahmann, Chairman and Managing Agency of Turkey Director, Allied Compliance Consultants “ACC” James Masoy, Manager Oversight and Policy 11.45 Optimise the use of identity management to understand Department, Bank of Tanzania and protect customers from fraud Frank Betz, Economist, European Investment Bank Mehmet Izzet Hacialioglu, Digital Banking Security 10.40 Coffee and networking break Supervisor, Garanti Bank E-COMMERCE AND CUSTOMER PAYMENT JOURNEYS 12.10 Fighting fraud in the deep web 11.20 Taking the mobile wallet to the next level Jeremy Boorer, International Director for Europe, Enrique Beza, Regional VP Sales Telecommunications, Middle East&Africa, Easy Solutions Inc Wirecard 12.30 Panel: Is a government prescribed payment security 11.40 Discussing the role of digital currency in the future of retail blue-print the way to ensure protection? Jon Matonis, Founding Director, Bitcoin Foundation Moderator: Paul Rodgers, Chairman, 12.00 Airtel’s experience in creating a seamless mobile Vendorcom commerce experience for their consumers Chidi N. Okpala, Director & Head, Airtel Money Panellists include: 12.20 Providing your customers with an omni-channel Harpal Singh, Head of IT Risk and Business Continuity, infrastructure to capture the market Emirates NBD Vince Kadar, President, Telepin Software Kevin Smith, Managing Director, 12.40 Changing the payment landscape through Kevin Smith Consulting cross-network and cross-industry interoperability Hossam M. Abd El-Rahmann, Chairman and Managing Gilles Devillers, Head of Regional Sales Europe,HomeSend Director, Allied Compliance Consultants “ACC” 13.00 Lunch and networking break 13.05 Mobile Money Influencers’ Lunch hosted by Amdocs (by invitation only)

8 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

WHY HAVE SOME COUNTRIES REACHED INTEROPERABILITY THE ROLE OF BLOCKCHAIN IN MINIMISING FRAUD AND NOT OTHERS? & PROTECTING DATA 14.00 Tanzania case study: Following the industry-led In partnership with approach to interoperability Charles Niehaus, Consultant – Payments and Mobile Money Interoperability, International Finance Corporation 14.20 Indonesia case study: Uniting the leading MNOs to create interoperable mWallet service for the nation Randy Pangalila, Head of Mobile Financial Services, Indosat 14.40 Pakistan case study: Easypaisa – 14.00 Digital currencies and the changing face empowering the unbanked and building interoperability of payments for payments between banks and mobile money players Sarah Martin, Vice President, Omar Moeen Malik, Head of Strategy, Payments & Digital Currency Council Product Development, Easypaisa, Telenor Pakistan 15.00 Sri Lanka case study: Following Sri Lanka’s financial 14.25 Blockchains for payments security institutions; interoperability and technology drive disruptions Jon Matonis, Founding Director, Bitcoin Foundation K V Kuganathan , Head of IT Strategy and Business 14.50 Exploring the role of digital currency for online and Development, National Development Bank of Sri Lanka brick & mortar merchants 15.20 Around the World interoperability panel: What factors have led to these countries joining the ‘mobile money Graham Tonkin, Partner Manager, Monetas interoperability club?’ 15.15 Panel: Is there a long-term role for blockchain in Moderator: Francesco Burelli, Partner, banking and payments security? Innovalue Management Advisors Moderator: Garrick Hileman, Economic Historian Panellists include: at the London School of Economics and Founder of Raja Said, Business Development Manager, MacroDigest.com ProgressSoft Corporation Panellists include: Kimathi Githachuri, Head of The Helix Institute of Digital Finance, Microsave Sarah Martin, Vice President, Digital Currency Council Ronald Wakabi, Product Manager, Diamond Trust Bank Esselina Macome, Former board member, Jon Matonis, Founding Director, Bitcoin Foundation Banco de Moçambique Graham Tonkin, Partner Manager, Monetas Justin Ho, Vice President – Mobile Financial Services, 15.50 Coffee and networking break Amdocs DECIPHERING THE DIGITAL WORLD OF CYBER ATTACKS 15.50 Coffee and networking break 2015 REGIONAL SPOTLIGHT: GCC 16.30 The current status of Blockchain, how to minimise digital risks 16.30 Bank case study: Mobile payment innovations in the middle eastern market and rise of mobile in payments networks Garrick Hileman, Economic Historian at the London School of Economics and Founder, MacroDigest.com Arda Yağcıoğlu, Corporate & Commercial Cards Payment Solutions Senior Manager, Abu Dhabi Commercial Bank 16.50 Understanding the rise of cyber threats 16.50 Omni Channel Digital Customer On-boarding platform Harpal Singh, Head of IT Risk and Business Continuity, for Banked population Emirates NBD Dheeraj Ahluwalia, Head of Marketing, 17.10 Emerging threats to digital payments: Is your National Bank of Oman business ready? 17.10 Bridging the mobile money Eco-System and the Cash World – ATM Networks for mobile money automation Chukwunonso Okoro, Manager, Forensic Audit Services, MTN Cameroon Hermann Salmen, Corp. Marketing and Strategic Business Development, Wincor Nixdorf 17.30 Review of audience poll: Is cryptocurrency the answer to 17.30 Review of audience poll: Have banks finally gained the trusted transactions? competitive edge on MNOs for financial services offerings? Tom Wills, Director, Ontrack Advisory Faisal Khan, Founder & CEO, Faisal Khan & Company

17.35 Guest Address by Ersin Pamuksuzer, Serial Entrepreneur and Investor, Founder, StartersHub 17.45 Global Payments Awards Presentation 18.00 Global Drinks Reception & The ProgressSoft Happy Hour

1-3 DECEMBER 2015 // ISTANBUL, TURKEY 08.30 Registration and coffee

1-3 DECEMBER 2015 // ISTANBUL, TURKEY 2015 REGIONAL SPOTLIGHT: CIS BIOMETRICS: THE FINAL FRONTIER FOR PAYMENTS AUTHENTICATION? 09.30 Chairpersons welcome address 09.30 Chairpersons welcome address Qasif Shahid, Founder & CEO, FinSurgents Audience poll: Which continent can we expect to see Paul Rodgers, Chairman, Vendorcom driving payments innovation over the next 12 months? Audience poll: Is biometrics the final frontier for 09.40 Introducing innovative micro-payment services in to a payments authentication? fast urbanising society 09.40 Is bio-metric better than traditional fraud prevention Stephan Becker, SVP Payments, Deutsche Telekom methods, or is it just Sci-Fi? 10.05 Russian e-payments landscape: Local features and Dr. Nachshon Margaliot, CEO, OffLA SelfSafe Ltd lessons for global development Victor Dostov, Director, Russian Electronic Money Federation 10.00 How secure are biometrics compared to other 10.30 What is the market opportunity for digital banking and authentication methods? services in the CIS region? Ron Delnevo, Executive Director Europe, ATMIA Vladimir Malugin, Regional Director of Russia, PayPal 10.30 Biometrics on mobile devices: The need for 11.00 Coffee and networking break open architecture ANNUAL REVIEW OF PAYMENTS AROUND THE WORLD Pierre Antonio, Head of Marketing Advisory Committee, Natural Security Alliance 11.40 Americas case study: Understanding the introduction and the evolution of the first real ‘mobile payment’ 11.00 Coffee and networking break solution in the Americas THE FUTURE OF DIGITAL PAYMENTS: GLOBAL THREATS, Miguel Valero, Director of Digital Banking, Banorte CUSTOMER EDUCATION AND EASE OF ADOPTION 11.55 Africa case study: Following the National Bank of Kenya through its transformational journey to ‘bank on better’ 11.40 Security implications; moving toward the internet of things Kevin Amateshe, Digital Channels Development Manager, National Bank of Kenya Samee Zafar, Director, Edgar Dunn & Company 12.10 Europe case study: Evolving to be the bank of 12.10 Panel: Where is the balance between KYC security and the millennials user experience? Kerem Abuc, Mobile Financial Services Supervisor, Moderator: Tom Wills, Director, Ontrack Advisory Garanti Bank 12.25 Asia case study: Discussing the 2020 tipping point for Panellists include: mobile financial services in Asia Chukwunonso Okoro, Manager, Forensic Audit Xavier Marzan, Head of Globe G-Xchange, Services, MTN Cameroon Globe Telecom Pierre Antonio, Head of Marketing Advisory Committee, 12.40 Middle East case study: Iran case study: Success in digital Natural Security Alliance banking to serve the masses in Iran Ron Delnevo, Executive Director Europe, ATMIA Usman Qureshi, Senior Technology Consultant, Bank Pasargad Marko Jagodič, Advisor to the CEO, Telekom Slovenije 12.55 Panel: What have been the highlights for the 2015 13.00 Customer centric enterprise wide fraud management payments industry worldwide? Kerem Ozdamar, Risk Analysis and System Development Moderator: James Masoy, Manager of Oversight and Supervisor, Anti-Fraud Department, Garanti Bank Policy Department, Bank of Tanzania Panellists include: 13.30 Lunch and networking break Anan Al Wanni, Country Manager, ProgressSoft Corporation Xavier Marzan, Head of Globe G-Xchange, Globe Telecom Kevin Amateshe, Digital Channels Development Manager, National Bank of Kenya Miguel Valero, Director of Digital Banking, Banorte Maseehullah Qadeer, Branchless Banking & Mobile Money Team Leader, USAID/FAIDA Afghanistan Jero Omare-Ogah, COO, Fortis Microfinance Bank plc

13.30 Lunch and networking break THE INTRODUCING 13.35 Telepin hosted Lunch (by invitation only) ‘SECURITY INNOVATION ROUNDTABLES’ PAYMENTS PROJECTIONS FOR THE NEXT 12 MONTHS In this interactive session of the event, join the discussion table & discussion on the topic which interests you and your 14.20 BKM Express: The payment experience of the future business the most. Okyar Tahaoğlu, Business Director, BKM Express Table One: 14.40 ProgressSoft Keynote Address: Clearing of Multiple Countrywide Mobile Payment Services Successful step by step guide to introducing biometric Rawan Soudah, Business Analyst, payment authentication into your business ProgressSoft Corporation Led by Kevin Smith, Managing Director, Kevin Smith Consulting 15.00 Payment Leader’s Predictions Table Two: in partnership with Discovering the cloud for use in banking Moderator: Jeffrey Bower, Digital Finance Specialist, Led by Levente Habány, Cyber Security Advisor, Better Than Cash Alliance UNCDF Bank Association for Central and Eastern Europe Panellists include: Table Three: Kıvanç Onan, Regional Director of Turkey, Middle East Establishing which platform offers the most secure route and North Africa, PayPal to protecting your revenue and business Matthias Kröner, CEO and Founder, Fidor Bank Led by David Parker, Founder & CEO, Polymath Consulting Yves Eonnet, CEO, Tagattitude 15.30 Closing audience poll: Is biometrics the final frontier for Senior Representative, IBM payments authentication? Paul Rodgers, Chairman, Vendorcom 15.30 Coffee and networking Break Joint Plenary

16.00 Payments Dragons Den Global In partnership with:

We are delighted to welcome back the Payments Dragons Den platform to Mobile Money & Digital Payments Global 2015 in partnership with StartersHub. What is the next big thing set to change the payments industry? Join us in our exciting, energy –packed Payments Dragons Den as three up-and-coming start-ups showcase their financial services products and programmes, set to revolutionise how people move, manage and spend their money. We are delighted to be working in partnership with StartersHub. Acting as a catalyst for the region’s entrepreneurial ecosystem, StartersHub is a world-class platform offering startups everything they need under one umbrella, including extensive know-how and network, multi-stage funding, services, strategic partnerships, hands-on mentorship and an inspiring workplace at the heart of the business district in Istanbul.

2015 Dragons: Ersin Pamuksuzer, Serial Entrepreneur and Investor, Founder, StartersHub Haggi Hochberger, Director, Innovation Partnership Program, Amdocs Paul Rodgers, Chairman, Vendorcom David Parker, Founder & CEO, Polymath Consulting

17.00 Award presentation for Best Speaker & Audience Contributor 2015 Awards Zehra Chudry, Head of Content, Clarion Events 17.20 Closing audience poll: Which continent can we expect to see driving payments innovation over the next 12 months? Qasif Shahid, Founder & CEO, FinSurgents 17.25 Close of Conference Don’t forget to collect your Certificate of Attendance at the registration desk at the end of the event!

12 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Hala Abu Hantash Anan Al Wanni, Business Alliance Consultant Country Manager ProgressSoft Corporation ProgressSoft Corporation

Hala Abu Hantash is a Business Alliance Anan Alwanni has in depth and diverse knowledge Consultant working at ProgressSoft Corporation, in the fields of Mobile Payments, Electronic a leading provider of real-time payment solutions. Hala is Check Clearing and Electronic Fund Transfer amongst other responsible to liaise with all entities that will come together to advanced Payment Technologies. He built his career in the setup different models of Mobile Payments in different initiatives National Payments domain in ProgressSoft itself for the past 14 to include a large collaborative partnership in Egypt. She is also years. He is currently a Country Branch Manager at ProgressSoft managing multiple Mobile Payments projects with more than 8 Corporation, which is a multinational Payments Software years of Project Management experience under her belt. Ms. Abu company specializing in Real-time Payments and Imaging Hantash works closely with both the business and technical teams Technologies. Before this position, he spent many years as part to ensure a common understanding of all stakeholders and a of the Business Development team in the company where he smooth delivery of business requirements. helped direct customers to find their needs of real-time payments in ProgressSoft services. He is passionate towards building real Kerem Abuc yet simple solutions for everyday issues by utilizing Gamification Mobile Financial Services Supervisor techniques; game thinking and mechanics in a non-game context Garanti Bank to engage users and solve problems. Mr. Alwanni holds a bachelor degree of Computer Science and Finance and received his MBA Kerem Abuc has been working on mobile services from Warwick Business School, Coventry, UK. and payments since 2010. He is currently in charge of Garanti Bank’s products & services running on mobile platforms Kevin Amateshe (incl. phones, tablets, wearables, smart TVs, smart cars, etc.) Digital Channels Development Manager and took role in many successful projects as well as new product National Bank of Kenya launches. Prior to his work at Garanti Bank, Mr. Abuc was a member of value added services management team at Turkcell. Mr. Currently Kevin Amateshe is the Digital Channels Abuc received his B.Sc. degree in Information Systems Engineering, Development Manager at National Bank of Kenya. from the dual diploma program of State University of New York Previously he was the Orange Money Product Manager at Orange and Istanbul Technical University. He got his M.Sc. degree from Kenya. A holder of a BSc. Degree in Electronic and Computer Bosphorus University Technology Management Program. Engineering, he has gained vast knowledge and experience in both technical and business related fields within his various roles, more Dheeraj Ahluwalia so within the mobile money and digital payments space. An avid Head of Marketing innovator driven by the ever changing market and client needs, with National Bank of Oman a keen eye on financial inclusion.

Dheeraj Ahluwalia brings 25 years of global financial Pierre Antonio experience with core competency in Consumer Head of Marketing Advisory Committee Banking, Payments and Insurance. Dheeraj is a US graduate Natural Security Alliance having completed his undergraduate and MBA from Pittsburg State University, Dheeraj spent 20 years in the US, worked for Pierre Antonio is the Head of Marketing Advisory organizations like GE Capital, Mastercard Worldwide and Bank Committee of the Natural Security Alliance. Pierre of America. Besides having held global roles, he has experience has over twenty years of experience in the card industry. His working in Asia Pac with Standard Chartered and most recently career started in the ATM business unit of Bull CP8, after which in ME region with National Bank of Oman. Dheeraj has headed up he held several positions as a consultant (project management or various teams in Products, Marketing, Re-engineering, Customer marketing) for various major companies in different area: banks, Experience and Digital. He has launched digital across 3 continents retailers, MNO, vendors. In 2005, Pierre became the VP Sales and with 4 different organizations and his experience includes launching Marketing at Jware Technologies, a software vendor specialised mobile banking, online banking, designing new portal, P2P and in front-end solutions for card payments and secure transaction P2M payments, remittance platform, SEO, SEM, Social Media processing. He joined Natural Security in 2012. strategies, Direct Bank, Branch of the future, Omni channel Digital lending platform, next gen ATM and Call centers, all delivering omni channel cutting edge customer service and fulfillment. He is very passionate about Digital, Customer Service and Consumer Banking, which is where he has been focused over the last decade in leading transformational initiatives for various banks and financial institutions redefining customer experience, streamlining service delivery and overall customer experience. His favorite phrase “I am not interested in technology, but very interested in what it can do for my customers, the business and shareholders”.

14 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Helping you reach Telepin Software is a leading provider of mobile transaction infrastructure unbanked & software, providing mobile operators the most efficient and cost-effective way to underserved control their distribution network, customers maximize revenues from mobile financial services, and deliver innovative Imagine what we can do together mobile financial applications.

Stephan Becker Enrique re-joined Wirecard AG, Munich (Germany) as Regional VP SVP Payments Sales Telecommunications for Africa and Middle East. Deutsche telekom Jeremy Boorer Stephan is responsible for the development of the International Director for Europe payment strategy and the rollout of its product Middle East & Africa, Easy Solutions Inc portfolio. Stephan is a long term Executive in the payment and IT Industry, combining expertise in strategic planning with industry- As Director of Europe, Middle-East and Africa, specific know how and leadership skills. These attributes drove Jeremy Boorer is responsible for solidifying Easy his career as an executive leader in the payment processing Solution’s presence in the region, and expanding the company’s and financial services sector. With more than 25 years of global customer base and partner ecosystem. Jeremy has spent more management experience, Stephan has successfully executed than 20 years in the software industry and 15 years in the internet projects in all areas of the payment industry (processing, issuing, security space, helping enterprises and governments in 80 acquiring, mobile, card, E-Commerce, etc.) In addition to his different countries unlock the power of emerging security and current position as SVP Payment at Deutsche Telekom AG, he has anti-fraud technologies. Prior to joining Easy Solutions, Jeremy also served as board member in payment companies in Germany, was Territory Manager at Entrust for the Middle-East and Africa, South Africa, Ukraine and UAE. His past professional life cover where he established presence 10 new territories and he also held following positions: CEO of payfair AG, Managing Director of First management roles at Oblix, ShowCase Corporation and Oracle. Data Central Europe and Vice President, Group Account Director Jeremy has spent more than 25 years in the software industry and of MasterCard, heading their Global Key Account Management, 15 years in the Internet security space, helping enterprises and Managing Director of PLUSCARD GmbH and CMO at Eufiserv. governments in 80 different countries unlock the power of identity In parallel, Stephan acted as entrepreneur, being founding protection, authentication and anti-fraud technologies. member of several start ups in the payment industry, which are With a background as a seasoned technology business today, all well-established companies. In the last years, Stephan development and sales professional in challenging international was strongly involved in SEPA as well as in different projects in environments, Jeremy arrived to Easy Solutions in 2013 to oversee Development Countries and emerging markets. These projects the company’s expansion into new markets outside of North and had a special focus on mobile payment services and E-commerce. South America. Since then, he has pushed forward in solidifying For successfully executing such undertakings, Stephan keeps in Easy Solutions’ presence in these regions and growing the regular contact with the IFC/World Bank and the EBRD. company’s partner ecosystems.

Frank Betz Jeffrey Bower Economist Digital Finance Specialist European Investment Bank Better Than Cash Alliance

Frank Betz has been working as economist in the Jeffrey works as a Digital Finance Specialist for the Country and Financial Sector Analysis Division of Better Than Cash Alliance, a UN-based partnership the European Investment Bank (EIB) since 2012. Areas of expertise of governments, companies and international organizations that include the Mashrek economies and financial inclusion. In that accelerates the transition from cash to digital payments to reduce role is also contributing to EIB’s work on digital financial services. poverty and drive inclusive growth. He provides expert technical Prior to joining EIB he worked for the European Central Bank assistance to build successful payment ecosystems. This includes (ECB) in the business areas Financial Stability, Research, and leading inclusive ecosystem approaches with governments, Market Operations. Frank Betz holds a PhD in economics from the working with global corporations to define their digitization European University Institute in Florence, and has published in strategies, and providing technical assistance on national payment various international journals. programs. Jeffrey has played a key role in defining strategy, developing and launching multiple payment systems around Enrique Beza the world including Modelo Perú, the world’s first interoperable Regional VP Sales Telecommunications national digital payments platform focused exclusively on Wirecard financial inclusion. Prior to the UN, Jeffrey led emerging business development for Scotiabank’s international banking division, Enrique has a strong ePayment background building mobile money programs in Haiti, Mexico, Colombia and especially since he joined EUROCARD (EURO Peru. fffffCentre for Global Affairs. Kartensysteme and eurocheque GmbH, Frankfurt) in 1998, back then the leading acquiring bank and MasterCard licensee for Francesco Burelli Germany. Enrique was seconded in September 2005 to the UAE Partner by the German business unit of Atos Worldline – a leader in end- Innovalue Management Advisors to-end services for critical electronic transactions, specialized in electronic payment services (issuing, acquiring, payment solutions, Partner at Innovalue Management Advisors. terminals and card processing), services for financial markets as Francesco has over 19 years of experience in well as eCS (eServices for customers, citizens and communities), the areas of strategy, M&A, regulatory impact assessments and and services for critical transactions for Telecom Prepaid. In performance improvement. Cards, payments and transaction June 2007 Enrique joined the Emirates Telecommunications Co. banking expert, Francesco works with payment schemes, banks, (Etisalat) in the UAE. He started his career at Etisalat heading processors, technology providers, NGOs, government agencies and the Prepaid Recharge section, responsible for the development corporate treasuries on global basis. Previously Partner at Value of electronic recharge distribution channels. In October 2009 Partners in London, Director with the Payments Team of Deloitte Enrique was called to join the newly established EMCS (Etisalat LLP, Head of Cards and Payments at A.T.Kearney FIG UK and mCommerce Services) business unit to head the mCommerce before he led the European and Asian Cards and Retail Payments section directing the Product Marketing of Mobile Financial practice at Capco. Before that he was at Midland Bank, later HSBC. Services, mobile Money, MMT, and mPayments. In September 2013 Francesco started his banking and consulting career after his MBA

16 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY in 1995 transitioning from an earlier career in TMT. In the last 5 Gilles Devillers years he has led major international expansion initiatives and major Head of Regional Sales Europe strategic initiatives for Fortune 100 and Fortune 500 companies. HomeSend Francesco is a Fellow at the Institute of Financial Services (UK), is a member of top-tier industry editorial boards for mobile, cards, Gilles has extensive experience in the payments and consumer credit as well as advising to other top tier telecommunications industry, working on industry publications and “think tanks”. He is quoted frequently on interoperability of mobile data services. He has held a variety of industry publications and a regular speaker at industry events. business development positions in different industries. He has been playing a key role in the successful deployment of the HomeSend Robert Courtneidge remittance hub service. In 2014 the existing HomeSend activity Global Head of Cards and Payments was spun off into a joint venture between MasterCard, eServGlobal Locke Lord and BICS. Gilles heads the business development for the European region at HomeSend. Gilles holds a Master degree in Information Robert Courtneidge is the Global Head of Cards and Communication Sciences from ULB, Brussels. and Payments at Locke Lord LLP. He is noted for his knowledge and experience in the e-money area, where Sharath Dorbala he has acted on matters for major financial institutions around Head of Sales Marketing and Products the world, as well as for internationally well-known technology Amdocs providers. He has more than 20 years of experience in the cards and payment systems and is skilled in all aspects of consumer Sharath Dorbala is the head of Sales, Marketing and finance issues, including consumer protection, banking regulation Products for Mobile Financial Services at Amdocs. and compliance and data protection. Mr. Courtneidge works Sharath is a Silicon Valley based veteran in the technology industry closely with The Payments Council, HM Treasury and the Financial with over 17 years of experience. His passion over the last 2 years Services Association and other compliance and industry bodies has been to work towards enabling affordable financial inclusion to ensure compliance for his clients. He places special emphasis for the bottom of the pyramid. Having dedicated a lot of time in the on working with high tech industries and products in the financial emerging Asian markets, he believes that the solutions here are services industry, embracing new technological and legislative/ going to have a profound influence on the mobile financial services regulatory developments. Many of his clients have new products, models worldwide. Sharath is strongly influenced by Daniel Pink’s and he is able to guide them in the process of bringing them to the “A whole new mind”, and believes that the next generation of market. Mr. Courtneidge is named as one of the Top 10 Payments technology products must follow the right-brained principles of Lawyers by Paybefore in 2015, the key publication and information design, meaning, empathy, story, symphony and play. Prior to provider to the prepaid, mobile and emerging payments industry. this role, Sharath was Head-Products for Amdocs CRM product He is the only non-North American based lawyer to be recognised line. He oversaw the largest roll out of customer service software and is honoured for his commitment to the progress of emerging implementations in the world, launching several new customer- payments and his passion for his work in the industry. He was also centric initiatives like multi-channel self-service, retail, and device named Best Industry Contributor at The Prepaid Awards 2011, management and personalization solutions. He holds a Masters recognising his achievements and commitment to the industry. He of Science in Information systems from Northeastern University, is Chairman of the Prepaid International Forum. Mr. Courtneidge Boston and Masters in Management and Economics from BITS, is a frequent spokesperson on current issues facing the European Pilani, India. Payments’ Industry including the Payment Services Directive, SEPA, Third Money Laundering Directive and the second E-money Victor Dostov Directive and regularly speaks worldwide on prepaid cards and Director its technology. Russian Electronic Money Federation Dr. Dostov is a President of the Russian Electronic Ron Delnevo Money Association, organization representing the Executive Director Europe largest electronic money operators and money transfer companies ATM Industry Association in Russia. With the background in management, research and Originally from Edinburgh in Scotland, Ron Delnevo investment in payment technology projects, Victor is one of the has lived in London for many years. After gaining leading experts in the field. He advised public bodies on drafting experience at Board level at a number of companies, Ron created regulation for electronic money in Russia and continues to UK Independent ATM Deployer Bank Machine in 2003.He led the provide his expertise on the further evolution of legal framework company until 2012, delivering industry-leading customer service – especially prudential supervision and AML/CFT issues. He and double-digit annual revenue growth . During that time, Ron previously held a position of a founding partner in PayCash Group actively participated in several LINK committees, taking a particular where he contributed to the launch of successful projects both interest in improving financial inclusion and innovation. Having in Russia (Yandex.Money, Beeline mobile commerce, etc) and served as a Director of the UK Payments Council for 3 years and abroad. Victor is also known as an ardent proponent of using Chair of the European Board of the ATM Industry Association for hi-tech payment instruments for enhancing financial inclusion and four years, in March 2014 Ron took up the role of Executive Director therefore provides his expertise in CGAP, AFI, FATF and Eurasian Europe for the ATMIA. Ron has a special focus on supporting choice Group. Dr. Dostov gives lectures on new technologies and is a in payment methods and is a recognised European thought leader frequent speaker at international events. He is also a columnist, the on that subject. Ron takes a keen interest in politics and economics, author of publications on new payment methods, regional author is a Trustee of Citizens Advice , enjoys travel and loves sport, for “Financial Regulation International” (Informa) and a member of especially his beloved Heart of Midlothian Football Club. expert board for the Settlements and Transactions in a Commercial Bank Journal .

Hossam M. Adb El-Rahman Engin Eraydin Chairman & Managing Director Vice President Fraud Allied Compliance Consultants “ACC” BKM

Hossam M. Abd El-Rahman is the Chairman Engin Eraydın was born in 1973. He graduated & Managing Director at Allied Compliance Middle East Technical University (METU). He started Consultants “ACC”. Chairman, Association of Certified Financial to work in the payment cards sector in 1997. He worked for Esbank Crimes Specialists “ACFCS” – Dubai Chapter, Chairman, Credit Cards Center between 1997-2001 as a Specialist. He has International Due Diligence Association “IDDA” – Dubai Chapter been working as a Fraud Vice President for BKM (Interbank Cards and Advisory Board Member, International Due Diligence Center) since 2001. Mr. Eraydın is married and has one son. Association “IDDA”. He is a well-known international consultant, trainer & speaker Zahir Fagery with more than 18 years of experience in the fields of Public Deputy Manager Accounting, Banking, Fraud, Forensics, Financial Crimes, Payment Systems Directorate, Corporate Governance, Regulatory Compliance, Sharia’h Central Bank of Sudan Compliance, Anti-Money Laundering, Counter Terrorism Financing, Internal Control and Business Re-Engineering. Hossam As Head of section for the Strategic Planning is also outsourced compliance officer, money laundering reporting and Project Follow-up implementation, I used to develop a plan officer and internal auditor for many financial institutions in the and follow-up the Mile-Stone for the entire Payment system Dubai International Financial Center (DIFC). He is also a financial Directorate Projects at the Payments System Directorate which crimes consultant for many financial and nonfinancial institutions. their stack holder concerning the commercial banks payments Throughout his career; Hossam worked for leading Conventional services providers and services operators. and Islamic banks in the MENA region where he assumed senior positions. He was Compliance, AML & Fraud Head at Samba Kimathi Githachuri

Financial Group – Dubai, UAE. Prior to that, he was Compliance Head of The Helix Institute of Digital Finance Supervisor at Kuwait Finance House – Kuwait. Microsave

Kimathi Githachuri is the Principal Consultant Yves Eonnet and Head of The Helix Institute of Digital Finance CEO at MicroSave Consulting, with more than ten years’ experience Tagattitude in telecommunications and digital financial services, having worked for, and with, a number of leading organizations in Yves Eonnet was educated in France and in developing countries. He was part of the initial team that rolled America. After a scientific undergraduate degree, he obtained out Safaricom’s M-PESA agent network in Kenya. Most recently, a Master of Law from Paris Law school. After 20 years in Kimathi was involved in the launch of The Helix Institute of Digital Payment Industry, including 10 years in charge of innovation Finance as its first head, as well as assignments for leading at Schlumberger/Gemalto, Yves is a recognized expert in telecom and banking agents in Africa and Asia. Prior to joining electronic transactions. As CEO and co-founder of Tagattitude, MicroSave, Kimathi worked for Warid Telecom Uganda where, as Yves developed a breakthrough payment and banking platform Head of Warid Pesa, he led the ab initio deployment of the mobile called TagPay that is 100% cell phone centric, using patented money service that saw it voted joint global winners with Barclays technologies. TagPay is now installed in 20 countries and paves Bank Plc. for ‘best new mobile money service for 2012’, and listed the way to mobile money in emerging countries. Yves Eonnet as a GSMA Sprinter in 2013. He also played a leading role in the believes that if we had all had a mobile phone in our pocket in the product design and commercial roll-out of the first-ever national 70’s we would have never used cards to pay and the cellphone mobile-based tax-payment system in partnership with Uganda would have become our standard banking and payment tool. The Revenue Authority [URA] and Orient Bank Ltd. Kimathi is currently unexpected success of cell phone technology all over the world is pursuing a PhD in Business Administration and holds an MBA provoking a complete change of rules in the banking business and degree, both from The University of Nairobi in Kenya. will give access to banking to excluded populations.

Access international cutting-edge payments information in one place:

www.future-payments-gateway.com

18 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY Levente Habány Justin Ho Cybersecurity Advisor Vice President – Mobile Financial Services Bank Association for Central and Amdocs Eastern Europe Justin brings more than two decades of experience Levente specialises in risk-based process audit in the technology and finance domains. Prior to in banking. He combines IT audit and process audit to cover all joining Amdocs, Justin was Co-Founder and Co-CEO of Utiba Pte possible types of risk inherent to the examined business activity. Ltd, a pioneer in the field of mobile commerce, with installations Levente has a long track record in working with market regulators in over 15 countries. Justin was responsible for Utiba’s success and assisting regulatory on-site audits. Levente is Cybersecurity as a world-class organization that re-defined the boundaries of Advisor to BACEE (Banking Association for Central and Eastern traditional financial services, with numerous category-defining Europe) and Business Continuity Management Advisor at BCM innovations in mobile banking, mobile retailing, mobile micro- Software Ltd., Budapest. 2013-2015 Széchenyi Commercial Bank, finance, and international remittances. Justin is a strong advocate of Budapest, Chief Internal Auditor; 2011-2013 Ministry of Public financial inclusion and branchless banking and has a filed a number Administration and Justice, Budapest, Deputy Director General of patents to advance the usability of these services. Justin holds – Operations; 2008-2011 National Bank of Hungary, Budapest, a Bachelor’s degree in Mechanical Engineering from Melbourne Overseer of the Retail Payment System (BKR), IT Auditor; 2006- University. On the personal front, Justin nurtures a passion for golf, 2008 Landesbank Baden-Württemberg, London Branch, Internal radio control airplanes, development and aid work in developing Audit Manager – Capital Markets Auditor; 2001-2006 Calyon Bank countries, and spends time with his family. Hungary, Calyon Financial, London, Department Head, Internal Haggi Hochberger Audit; 1998-2001 BNP-Dresdner Bank Hungary, Budapest, Director Senior Internal Auditor; 1995-1998 Mazars & Guérard, Budapest, Innovation Partnership Program, Amdocs Statutory auditor As head of Enreach, Amdocs Innovation Partnership Mehmet Izzet Hacialioglu Program, Haggi is focused on developing an Digital Banking Security Supervisor ecosystem of innovative start-ups, synergizing their unique value Garanti Bank with Amdocs’ core offering to rapidly generate unique commercial Mehmet Izzet Hacialioglu has worked as a Special offerings, and promoting them to Amdocs customers. This includes Projects and Security Management Supervisor/ solid partnerships with start-ups to enable key mobile financial Delivery Channels Department for almost 3 years and has been services use cases that are part of Amdocs offering. Haggi has over working for Garanti Bank for over 8 years leading him to be well 14 years of experience in the telecommunication industry. Prior established within the industry. He is responsible for deciding to moving to his current position Haggi has held various roles at security policy and procedures for Digital Banking processes and Amdocs, including Delivery, Business Consulting and Customer leads all projects about compliance and regulatory issues. In Business Group where a was a Business Development Director in addition to this Izzet searches for new techniques for Digital Banking EMEA, supporting sales to key customers. Haggi holds a BA in Law implementations and initiates new projects for login processes such from the Hebrew University in Jerusalem, and a MBA from Tel Aviv as mobile signature, e-signature and embedded token login types. University in Israel. Marko Jagodi Garrick Hileman č Economic Historian at the London School of Economics Advisor to the CEO and Founder of MacroDigest.com Telekom Slovenije Mr. Marko Jagodi holds B.Sc. and M.Sc. degrees in Dr. Garrick Hileman is best known for his research č on monetary innovation and he is frequently sought Electrical Engineering from University of Ljubljana. as a speaker on this and other topics. Garrick is regularly invited During 31 years of his professional carrier Marko worked in different to share his research and perspective with the media, including roles for national and international companies in various industries. the BBC, CNBC, FT, WSJ, Sky News, and NPR. He was recently As a software R&D engineer he was involved in design of VLSI ranked as the 34th most influential economist in the UK & Ireland. microchips, CAD systems, traffic control systems, ERP systems, as Garrick’s teaching at the London School of Economics has focussed a consultant he consulted in IT related management consulting and on comparative national economic performance. His other research BPR, as a sales manager he managed sales teams selling system interests include: systemic risk, sovereign debt, financial crises, integration services and SW development services on national black markets, financial repression, and innovation. Garrick is the and international markets, as a business manager he managed founder of MacroDigest, which employs a proprietary algorithm international teams and customers from telecommunications, and a team of human editors to cluster trending economic news, financial institutions and government institutions. Marko joined analysis, and debate. MacroDigest is supported by the Centre mobile network operator Mobitel d.d. at the end of 2004, taking for Macroeconomics and has received praise from influential responsibility for planning and development of an extensive portfolio economists such as Brad DeLong and Tyler Cowen. Prior to turning of value added services and platforms that enable those services. to academia Garrick worked for 15+ years in the private sector with In 2011 Marko joined converged operator Telekom Slovenije, d.d. both start-ups and established companies such as Bank of America, as Assistant of the President of the Managing Board. Marko is The Home Depot, IDG, and Allianz. He previously co-founded and led passionate for mobile payments and is a frequent speaker on the investment team for a $300 million San Francisco-based tech conferences covering different aspects of mobile financial services. incubator. He also worked at Montgomery Securities in both equity research and corporate finance, where he executed over $1 billion in M&A and underwriting transactions. Garrick has served on the boards of directors of both publicly traded and private companies. He has worked or consulted in a wide range of industries, including banking, technology, online media, specialty finance, insurance, business services, retail, non-profit, education, and government.

Vince Kadar Esselina Macome President Former Member Telepin Software Banco de Moçambique Vincent Kadar, CEO of Telepin Software, has almost Dr.Esselina Macome was born on May 23, 1962 20 years of executive experience in software in Maputo. She holds a Doctoral Degree (Phd), in technology companies for wireless and telecom networks. Prior Information Technologies by University of Pretoria, in South Africa to his role with Telepn, Vincent was founder and CTO at Airwide in 2003; she also has a Master Degree (MSc) in Analysis, Design Solutions, a leading provider of mobile messaging infrastructure. and Management of Information System by London School of Mr. Kadar has also served as Director of Wireless Technology at Economics and Political Science (LSE) , in 1992. Dr. Macome is InfoSpace Inc, and in senior technology positions at CrossKeys undergraduate in teaching of Mathematics by “Paedagogische Systems and Accenture. Vincent frequently presents at industry Hochshule” Dresden- Germany, in 1987. She is presently Associate conferences and has been published in leading magazines. Professor at Eduardo Mondlane University. Dr. Macome joined For more information, visit his blog about mobile money: www. the Central Bank of Mozambique in 2005 as Executive Director mobilemoneytransactions.com and Member of the Board, position that she hold until July 2015. During this period, she was responsible for Issuing, Payment Faisal Khan Systems, Information and Communication Technology and Budget Founder & CEO and Accounting portfolio. At the Central Bank of Mozambique, Faisal Khan & Company Dr. Esselina Macome, chaired different committees namely: the Faisal Khan is a payments consultant & crypto- Strategic Plan preparation Committee and the Launching of the money advocate, co-host of Around the Coin, a New Family of Mozambican Bank Notes and Coins Committee, weekly podcast on Banking, Money & Payments. He is also the Nation payment System Switching (SIMO), Financial Inclusion resident payments expert on Quora. Faisal specializes in the strategy preparation, launching of polymer Banknotes Dr. Macome design and solution architecting of Payment Systems & Networks has large experience in teaching and research in the area of based on the current payment rails, and on advance rails such ICT; she supervised more than 30 final works of the information as Bitcoin, Ripple, ATM, etc. Solution offering is based on either systems courses at Eduardo Mondlane University; as an external in-person, online/web, mobile or a combination of these elements. examiner at Namibian University, Cape Peninsula University of Previously, Faisal had spent 15+ years in the IT (Financial Technologies, and Cape Town University in South Africa. She Services) sector, before formally moving into the financial services also tutor of the Information system MSc programme at the consulting sector in 2010. University of Oslo. She published more than 20 scientific articles and chapters of books during her carrier. Her research interest Matthias Kröner is in the areas of Information communication Technology for CEO and Founder Development, Payment Systems, Financial Inclusion and Currency. Fidor Bank Dr. Macome also, participated in different conferences, seminars and workshops organized by Academic bodies, Banks and Financial institutions.

K V Kuganathan Omar Moeen Malik Head of IT Strategy & Business Development Head of Strategy, Payments & Product Development National Development Bank PLC Easypaisa, Telenor Pakistan Kuganathan is currently working as the Head of the Omar has been part of the core Mobile Financial IT Strategy & Business Development Department Services team at Telenor since before launch in at National Development Bank, Sri Lanka. He holds the MSc in 2009. He designed and deployed the Easypaisa OTC and e-Wallet IT Consultancy, and won the award for the Best Project of the businesses for Easypaisa, the first Mobile Money service in Pakistan, Year. He is a BSc (Hons) graduate in Computing and Information and was involved in developing and managing the distribution Systems. Currently Kuganathan is reading for his PhD in Channel channels, as well as having the main responsibility of interacting Optimization at the University of Colombo, Sri Lanka. The research with the Telco and Banking Regulator on the Regulations for involves mobile related digital inclusion mechanisms for micro and Branchless Banking. As the head of Strategy and Payments for SME sector. He is a member of the British Computer Society and Easypaisa, Omar is responsible for developing and driving the Honorary Treasurer. He is also the Chief Judge for the National strategy plans for the Easypaisa business and heading key strategic Best Quality ICT Awards in Sri Lanka, which is the only national projects. He is also responsible for developing the Mobile Money Oscar event for IT. He has also been in the judge panel for the financial eco-system in Pakistan through strategic partnerships. Asia Pacific ICT Awards (APICTA) for the last 5 years.Kuganathan Prior to his 6 years of experience in Mobile Financial Services, Omar has shared his knowledge in many conferences, in Japan, Hong headed the GSM Value Added Services Products unit at Telenor. Kong, Malaysia ,Turkey and Brunei. He has published numerous He has also worked with Teradata and has experience in Advanced research papers on Green IT and digital payment channels. He Analytics with Data Warehouses for Cellular Telcoms and Banks in has been employed as the Head of eBanking at Hatton National the MEA region. Bank, which is the largest private bank in Sri Lanka. He has also worked in Barclays Bank and Argos, UK. His current work is involved in development of digital banking related services, and has contributed for national ICT development.

Vladimir Malugin Xavier Marzan Regional Director of Russia Head of Globe G-Xchange PayPal Globe Telecom Vladimir Malugin is the Chairman of the Xavier Marzan is the President & CEO of Management Board of PayPal RU, leading G-Xchange, Inc. (GXI), a fully owned mobile PayPal’s business in the Russian market, driving growth and payments and commerce subsidiary of Globe actively developing business strategy. Before joining LLC NBCI Telecom—one of the leading telecom and digital providers “PayPal RU”, Vladimir worked at HTC as General Manager for in the Philippines. He leads both GXI’s Issuing and Merchant Middle East, his core responsibilities covered development Acquiring businesses. GXI pioneered the revolutionary model in of retail and distribution business, marketing and entry into cardless and cashless mobile commerce service called GCASH new markets. Before 2011 he was a Marketing director of HTC which was launched in the Philippines in 2004. This service has in EMEA and actively participated in brand creation and HTC earned various international accolades including GSMA Awards positioning in the market. Between 2007 and 2009 Vladimir held for Best Mobile Messaging Service, Mobile News Asia’s Most a number of positions in Polaroid Consumer Electronics Europe Innovative Mobile Service, Global Messaging Awards for Best in London including a position of Vice President for Product, M-commerce Service application. In the last couple of years, it Marketing and Services. Before that Mr. Malugin managed the has also launched innovative mobile payments services including development of business and marketing at Eastman Kodak and GCash American Express (enabling unbanked consumers to pay held also a number of positions in other high-tech companies for online purchases from international e-commerce sites and and communications. Vladimir Malugin has an MBA degree from app stores), Globe Charge (allowing merchants to accept credit The University of Cambridge (UK) since 2002 and a degree in card payments via mobile POS), and GCash Powerpay+ (enabling management from the Russian Presidential Academy of National various organizations to do mobile-based payroll). Today, GCASH Economy and Public Administration since 1997. has approximately 2 million individual users in the Philippines covering various ecosystems in the country. Prior to GXI, Mr. Dr. Nachshon Margaliot Marzan was Head of Strategy & Corporate Development for Globe CEO Telecom’s Consumer Business, where he drove high-impact OffLA SelfSafe Ltd strategic projects and investments in the areas of Consumer Nachshon Margaliot is a co-founder and CEO of Mobile and Broadband, Digital Media, Financial Services, and OffLA SelfSafe Ltd, a company that developed a Media. Previously, Mr. Marzan was Director – Corporate Strategy smartphone based fraud prevention technology for e-Wallets. & Development at AOL Time Warner based in New York. In this Under his leadership, the company won EUR 2 million grant capacity, he worked with the senior leadership team on the from Horizon2020 program and recognized as a developer of development of strategic growth, venture acquisitions (M&A), disruptive technology by the EU Commission. Dr. Margaliot is a and operational initiatives in the internet, online media and serial entrepreneur who founded few startup companies over the e-commerce space. He also completed over US$100 million in last 20 years, following a career as a senior officer with the Israeli equity deals to grow AOL’s core technology platforms and new Defense Forces. He also serves as a mentor in SuperCharger digital businesses. Before spending several years in the US, he FinTech Accelerator in Hong Kong. He brings leadership and also headed up operations at a technology startup in Asia as well experience on both management and professional levels, being as did Management Consulting with Accenture working on client multidisciplinary in skills as well as education. Dr. Margaliot holds engagements in various industries. a B.Sc. in Computers & Statistics from the Bar Ilan University James Masoy and M.Sc. and Ph.D. in Management Science, both from the Tel Manager Oversight and Policy Department Aviv University. Nachshon also serves as a part time lecturer at Bank of Tanzania Bar Ilan University School of Business. Nachshon is 52 years old and lives in Elkana, Israel with his wife, three children and Mr James Masoy is an IT person who joined five grandchildren. He is a volunteer council member in his local payment systems specialization four years municipality, responsible for industrial development. Nachshon ago after spending most of his involvement in development served as a deputy mayor for five years, responsible for the and administration of computer systems for 20 years in IT planning and zoning committee. In his free time, Nachshon likes department at the central bank. As a deputy head of department, scuba diving and playing chess. he is currently involved in day to day oversight and policy issues of the national payments systems mainly through Sarah Martin monitoring, assessment to compliance and inducing of changes VP to implementation of large and retail payment payments Digital Currency Council systems /schemes in the country. Most of the key interests and Sarah Martin is the Vice President of the Digital achievements of the bank in recent years are the successfully Currency Council, the leading trade group for the promotion of mobile financial services and agent banking digital currency industry. Sarah sits on the US Federal Reserve’s developments through effective policies that has enabled to Faster Payments Task Force and is active in digital currency surpasses national financial inclusion targets. education and outreach. She’s a contributor at The Street and has published in American Banker, VentureBeat, and the Council on Foreign Relations. She also speaks about the rapidly developing digital currency industry at financial technology conferences worldwide. Previously, Sarah worked for the US Department of Defense, United Nations (UN), and US Agency for International Development (USAID). She graduated cum laude from Cornell University and has a master’s in international economics from the Johns Hopkins University School of Advanced International Studies (SAIS).

22 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Jon Matonis Chukwunonso Okoro Founding Director Forensic Audit Services Bitcoin Foundation MTN Cameroon An e-Money researcher and crypto economist Chukwunonso Okoro is a Certified Fraud Examiner focused on expanding the circulation of nonpolitical (CFE), a Certified Anti Money laundering Specialist digital currencies, Jon advises companies on Bitcoin, gaming, (CAMS) and Certified in Risk & Information Systems Control mobile and prepaid. A tech contributor to Forbes Magazine and (CRISC). He is presently the Manager of Forensic Audit Services CoinDesk, Jon is also Editor of The Monetary Future, a leading at Mobile Telephone Networks (MTN) Cameroon where his economics blog at the intersection of free banking, cryptography, team works closely with Management to understand the fraud and digital currency. Previously CEO of Hushmail and Chief Forex risks specific to the business and develop proactive Fraud Risk Trader at VISA, Jon has also held senior posts at Sumitomo Bank Management activities including Fraud Awareness Sessions, and VeriSign. anonymous Whistle Blower facilities, Fraud Risk Assessments as well as company-wide investigations of fraud, corruption Hamida Mohamed Salih Ibrahim and other violations of company policy. He authored the MTN Manager Payment Systems Directorate Cameroon Digital Forensics Policy and created the first Digital Central Bank of Sudan Forensics Laboratory in the MTN Group and in Central Africa with a US$51,000 budget. As an Investigator in the service of the Nigerian Government, he performed joint international investigations with the United States Secret Service, the United States Department of Justice; the United States Federal Bureau Chidi Okpala of Investigations (FBI), the Serious Organised Crimes Agency Director & Head of the United Kingdom (SOCA) and the International Criminal Airtel Money Police Organisation (INTERPOL). During his career as a Federal Chidi Okpala has enjoyed a distinguished career Law Enforcement Agent, he investigated several frauds relating of over 20years in Retail Financial Services and to cyber-attacks, identity theft, website hacking, credit/debit Strategy Consultancy. He is currently the Director & Head Airtel cards and digital payment platforms. He has delivered several Money – Africa; overseeing Airtel Money in 17 countries across keynote presentations at international Conferences focused on Africa. Prior to joining Bharti Airtel, he was the CEO of Retail Fraud Risk Management, Anti-Money Laundering, Cybercrime, Banking Business for United Bank for Africa Group, Pan African Cybersecurity, Occupational Fraud, Digital Forensics and the leading banking group; managing Personal and Business Banking Law of Evidence. Chukwunonso has more than nine years of in 19 African countries. Chidi, a Chevening Scholar, holds B.Sc. investigation experience comprising Forensic Investigations and Finance and an MBA from the University of Nigeria. He also has Criminal Investigations. He holds the Master of International Law a Sloan M.Sc. in Strategic Leadership and Management from the Degree from the University of Lagos, Nigeria. He is an alumnus London Business School. of the Korea National Police University, South Korea and the International Law Enforcement Academy, Botswana. Charles Niehaus Consultant – Payments and Mobile Money Interoperability Jero Omare-Ogah International Finance Corporation COO Charles is a consultant to IFC in Payments and Fortis Microfinance Bank plc Mobile Money across the Africa region. Prior to this Jero Omare-Ogah, a gifted leader of people and he was General Manager for Visa in sub-Saharan Africa and was manager of resources, is an alumnus of Nigeria’s responsible for Visa’s business across 25 African markets. Charles Ambrose Alli University, the Harvard Kennedy has been involved within the payments industry across Africa for School, MIT Sloan School of Management, the Columbia Business over 15 years. Before joining Visa, he was a Senior Manager at School and Frankfurt Institute of Finance & Management. He is Nedbank Card and fulfilled various roles in the payment space in a financial sector expert with deep expertise in Inclusive Finance South Africa. He is also the independent chair of Zoona and an and Banking. He is a seasoned executive with over 15 years’ advisor to Yoco, a mPos start up in SouthAfrica. Charles holds experience spanning such areas as Banking Operations, Business a B-Comm from the University of Stellenbosch, a MBA from Strategy & Development, Financial Inclusion, Business Process the University of Cape Town and also attended the Accelerated Re-engineering, Organizational Alignment and Strategic Planning Development Programme at the London Business School. & Execution. Jero worked with Diamond Bank Plc and drove operations and customer services at branch and regional level. He Andrey Novakov is currently the COO/Chief Strategist for Fortis Microfinance Bank Member Plc. where he is responsible for crafting competitive strategies and European Parliament implementing same. He is also responsible for driving Inclusive Finance and Mobile Money for Fortis. Jero has led many ground breaking initiatives that have not only deepened financial inclusion in Nigeria but have also made Fortis one of the fastest growing institutions in the country. He is an energetic leader known for his ability to envision and create successful outcomes in complex situations in diverse industries and functional expertise, with a tenacious commitment to driving sales, profit, efficiency and market share growth.

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join the global payments community today at

24 www.future-payments-gatewwww.mobile-money-global.comay.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Kıvanç Onan Randy Pangalila Regional Director of Turkey Head of Mobile Financial Services Middle East and North Africa Indosat PayPal An Indonesian national with over 28 years working Kivanc Onan started working at PayPal on November experience (mostly in Financial Industry) with 2010 as the Country Director of PayPal Turkey. As of September exposures Asia Pacific + Middle East, covering senior roles in 2014 he is the Regional Director of PayPal Turkey, Middle East Financial Inclusion, Consumer (mass, middle, affluent-market), & North Africa at PayPal. He started his career at UBS AG in Commercial, Corporate/Investment Banking: CEO, Country Switzerland, followed by AT Kearney in New York City offices of UBS, Head, Country Director, Notaries Deed Director, APAC Regional and continued as a director in the strategy section at American Product Head, Marketing Director, Retail Banking Group Head, Express. In 2008 he returned to Turkey as senior manager in Branch Distribution & Sales SVP, Country Business Manager, and strategy consulting in finance, telecom and consumer business Division Head. A Scholarships Receiver with USA-MBA in General sectors at the Istanbul office of Deloitte. Graduating from Columbia Management, Finance & Marketing and Ir. (BSc.) in Mechanical Business School MBA and management engineering of Istanbul Engineering (Triple Degree) plus experience in marketing mix Technical University, Onan is also in AIESEC Board of Advisors, and & financial. Level-IV BSMR/GARP (Global Association Risk- the Turkish American Society of ETICAD Young Leaders. management Professional) Certification Holder. Solutions-oriented business strategist of certifiable success directing business, Kerem Ozdamar marketing & product development for global leaders in the financial Risk Analysis and System Development Supervisor services sector. Visionary marketing and sales with a track record Anti-Fraud Department, for implementing initiatives that reduce operational cost & improve Garanti Bank customer loyalty & top-line revenue growth. Strategic problem Kerem Ozdamar graduated from Galatasaray solver scrupulously manages product portfolios to generate revenue University Industrial Engineering Department and earned an & new business opportunities through client-focused solutions. MBA from Beykent University. He speaks English and French. Experienced sales and marketing leader in a B2B environment. He began his professional career in Garanti Bank as application Brings a talent for building inspiring work climates, and fostering fraud associate in Anti-Fraud Monitoring Department and positive relationships with clients, business partners, stakeholders, currently managing risk analysis and system development team & cross-departmental teams. in the same department. His areas of responsibility are fraud detection performance reporting, fraud trend analysis, internal David Parker process development regarding external fraud risks and keeping Founder & CEO required technical infrastructure in line with the department’s Polymath Consulting responsibilities. He is working closely with technical teams and As founder and CEO of Polymath Consulting David is vendors on fraud management tool integration projects. He has 7 well known for his work on prepaid cards in the UK, years’ experience on application fraud, card fraud, merchant fraud Europe and the Middle East. He has delivered numerous projects for and account fraud across all channels. clients including VCs, banks, programme managers and processors, as well as brands. The work covered existing outsource partner Ersin Pamuksuzer review, RFP and partner selection right through to proposition CEO development as well as market entry/analysis work. David is a Startershub regular speaker and Chair at conferences on the prepaid sector. He began his professional career in Garanti Bank In addition, David is the editor and publisher, through Polymath as application fraud associate in Anti-Fraud Consulting, of the Pepper Corporation Consultancy Quarterly Monitoring Department and currently managing risk analysis and Prepaid Report. This publication analyses all B2C prepaid card fees system development team in the same department. His areas of and outlines trends in the prepaid sector in the UK. David has over responsibility are fraud detection performance reporting, fraud 20 years’ experience in advertising and communications. Starting trend analysis, internal process development regarding external with O&M, his career has spanned agencies as varied as Saatchi & fraud risks and keeping required technical infrastructure in line Saatchi, Bates, McCann Erickson and AMV/BBDO. He has also been with the department’s responsibilities. He is working closely with based internationally in both the Far and Middle East. technical teams and vendors on fraud management tool integration projects. He has 7 years’ experience on application fraud, card fraud, Herve Pierre merchant fraud and account fraud across all channels. Chairman of the Board SIMAlliance Embedded Software & Products (E&P), Senior Director, Strategy, Gemalto. Hervé Pierre is Senior Director of Strategy within Gemalto’s Embedded Software & Products team. Prior to this role he served as full-time General Secretary of SIMalliance from October 2006 until 2014, when he became Gemalto’s representative on the association’s Board of Directors. Mr Pierre was elected as SIMalliance’s Chairman of the Board for the 2014-15 term. Between 2003 and 2006, he served as part-time SIMalliance General Secretary, alongside his role as Director of Strategic Programs within the Gemplus Telecom Business Unit (now Gemalto). Prior to earlier roles at Gemplus, Mr Pierre also held roles at Alcatel Business Systems and Olivetti.

Maseehullah Qadeer Paul Rodgers Branchless Banking & Mobile Money Team Leader Chairman of the Board USAID Vendorcom Maseehullah Qadeer is “Team Leader of Branchless Paul is Chairman and Founder of Vendorcom, Banking and Mobile Money” of USAID funded Connecting Payments. Paul is passionate about Financial Access for Investing in the development cards and payments, particularly promoting innovation, ensuring of Under FAIDA project, Mr Qadeer led different projects with that thought leadership is recognised, and that all stakeholders Mobile Network Operators, governmental agencies, Micro Finance in the industry have access to authoritative information on new Afghanistan (FAIDA) project in Afghanistan, FAIDA is a $108 million developments, standards and regulation. Paul is recognised for dollar project, implemented by Chemonics international since his independence, authority and pragmatism in dealing with the February 2011. Mr Qadeer has extensive experience in the field of wide range of issues facing the retail and payments industries and digital financial payments with various national and international is a regular contributor to industry journals and national press on organizations in Afghanistan, and has excellent understanding and topical issues. implementation of the digital financial payments in Afghanistan. Mr Qadeer holds masters degree in information technology Raja Said infrastructure. Under FAIDA project, Mr Qadeer led different Business Development Manager projects with Mobile Network Operators, governmental agencies, ProgressSoft Corporation Micro Finance Institutions and service provider agencies and he is Raja Said holds the position of Business known as promoter of Mobile Money in Afghanistan. Development Manager at ProgressSoft Corporation. After obtaining his Bachelor Degree in Computer Science from the Usman Qureshi American University of Beirut, he pursued a focused career in the Senior Technology Consultant, Information Technology and Telecommunication domains. Raja Bank Pasargad managed to acquire and grow a vast experience while assuming Usman Qureshi is the Head – International several senior managerial positions over the past 17 years. As Operations for the banking and payments solution ProgressSoft’s Business Development Manager, Raja is responsible provider arm of Bank Pasargad Dotin. Dotin is a leading Information for creating and executing plans that contribute to the growth of the and communication technology company in Iran with focus on business. He does this by managing the Business Development and Financial and payment solutions. Usman’s focus includes business Sales teams and achieving their goals as per to the vision, mission, development opportunities across all the EMEA and partnerships objectives and growth strategy defined by the company. with key local and global market players. Usman comes from a diverse background with a working experience in technical, Qasif Shahid business and consulting aspects of the IT and communication Founder & CEO industry. Prior to joining Dotin (IT Pasargad Bank), Usman has FinSurgents held senior positions in Novell, Company in Washington DC.He has Qasif previously served as a head of digital banking aided, through his extensive know-how in strategy, business and for MCB one of the largest and the most profitable product development, and technology consulting. Usman holds banks in Pakistan. Before that he was head of Marketing and an M.Sc. degree in Computer engineering from the U.S where he Alternative channels for ABN AMRO bank Singapore where developed an automated biometric dental identification system in addition to being the custodian of the brand, he was also through a research project and then went on to get his MBA in the responsible for managing and building electronic channels U.S with a focus on international marketing to combine his technical including the call center, Internet banking, mobile commerce and knowledge with business know how. After graduation he worked at other non‐branch customer touch‐points. Before his four‐year Novell before moving to the Iran to join Dotin. stint in Singapore, Qasif served in different product, channel and marketing related roles in ABN AMRO Pakistan for five years. Nigel Reed Before joining MCB, Qasif worked at Standard Chartered Pakistan Operations Director for a period of four years. He initially headed Alternative Channels Neopay and the Marketing function and later on severed as the General With nearly 20 years of experience within the cards Manager Front‐line Experience. and payments markets, Nigel has exceptional knowledge in his field and a proven ability to deliver regulatory Mehmet Sıddık Yurtçiçek advice in a commercially viable manner. Nigel joined Neopay Head of Legal Affairs Department from a successful career built up over many years with some Banking Regulation and Supervision Agency of Turkey of the leading e-money and payments providers in the world, Mr. YURTCICEK is an expert on the legal aspects including Neteller and a number of international banking groups. of regulation and supervision of banks, electronic Nigel is now responsible for oversight of the delivery of all client money institutions, payment institutions, leasing companies and contracts, ranging from one-off licence applications, compliance factoring companies. He is experienced in designing financial framework design, regulatory training, audits, and ongoing sector regulations in line with international prudential standards. general compliance support. Over the past three and a half Mr. YURTCICEK has LLM degree in Banking and Finance Law years with the company, he has successfully navigated over 25 from Queen Mary University, and PhD degree in Private Law from companies through the FSA / FCA Authorisation process, from UK Marmara University. Mr. YURTCICEK is also member of IFSB based start-ups through to existing international organisations Technical Committee, and external legal expert for the IMF. who are entering the European market. Neopay leads the market in navigating Electronic Money and Payment Institutions through the authorisation process. We have a 100% success rate in gaining authorisation for our clients and, through our ethos of knowledge sharing and partnership, we deliver confidence and understanding as well as a successful application.

26 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Harpal Singh Ambar Sur Head of IT Risk and Business Continuity CEO Emirates NBD Terra Harpal Singh has a long experience in Information Technology and IT Security, having begun his career already during his studies in 1993/4. Harpal Singh is an accomplished Senior IT Security Executive and visionary experienced on all facets Okyar Tahağlu of developing and implementing a unified global security strategy. Business Director He is responsible for development and implementation of the Group BKM Express wide Information Security framework, Security governance, Data protection and Business continuity for Emirates NBD Group one of Okyar is the director of payment products at BKM the largest banking group in the region. He leads a team of security (Interbank Card Center). He is responsible for experts in a highly heterogeneous environment. He is a provider of product management of digital wallet, BKM Express. He has 15 comprehensive IT risk management solutions based on appropriate years experience in software development, business development, levels of prevention, detection and recovery. Recently, together product management and IT audit experience in banking and with other Chief Security Officers in the country he establishing the telecom. He holds a Ph.D. degree in Computer Engineering. Before security consultancy ‘think tank’ CSO Confidential that is focused on joining BKM he worked for Turkcell, the leading mobile operator and researching the issues arising in the region from IT security aspect, to Is Bank the biggest private bank in Turkey. Interbank Card Centre help their respective organizations to develop & implement solutions. of Turkey (BKM) was founded in 1990, the company is a result of the partnership of 13 public and private Turkish banks that have come Kevin Smith together to find solutions to common problems, and to develop Managing Director rules and standards for credit and debit cards in Turkey. BKM is now Kevin Smith Consulting moving forwards with a new strategy that brings advantages for customers and merchants. With partnership of all member banks Kevin is an experienced senior payment services BKM launched a digital wallet platform: BKM Express in June 2012. and risk management consultant, with 25 years BKM Express makes e-commerce transactions easier, faster and of retail, retail banking and payment systems experience. Since more secure for cardholders. BKM Express allows cardholders to leaving Visa Europe in late 2011, organisations have engaged shop without sharing card numbers with virtual merchants on any Kevin as a trusted and independent consultant across Europe and merchant website and benefit from loyalty programmes, rewards, internationally, addressing acquiring, card issuance, technology promotions and instalment opportunities. innovation, acceptance, retail payments operational and strategic needs, plus regulatory and card scheme compliance. Kevin’s Utku Temiz Visa career spans nearly 17 years, firstly in the development and Digital Sales Systems Manager marketing of Visa consumer card programmes and acceptance Dominos Pizza solutions. This included a secondment to Visa’s global HQ in the USA, where Kevin project-led the development and evolution of the Utku Temiz is Digital Sales Systems Manager of global Visa chip business rules. Returning to Visa Europe in 2001, Domino’s Pizza Turkey, Turkey’s biggest Pizza management responsibilities focused primarily on the development, Delivery Company. Utku is a graduate of Marmara University in expansion and efficiency of merchant acceptance for Visa products, Istanbul, where he received BA in German Language Management solutions and propositions. Since early 2009 until he left Visa in Information Systems. After graduation he started his career in ERP 2011, Kevin was Senior VP, Fraud Management at Visa Europe. With Consultancy, worked in different sectors and projects in Turkey and his in-depth operational and strategic payments system knowledge, abroad international projects. He joined Dominos Pizza Turkey in understanding of card scheme rules and regulations, plus 2008, managed all IT related functions six years. Beginning 2014 he technology developments and risk management practices, Kevin started to manage digital sales channels transformation including remains a recognised industry subject matter expert and trusted Web, Mobile and Callcenter Sales Channels. He has a great advisor. Kevin is a co-founder and member of the Association of success by growing digital sales channels especially on mobile. Independent Risk & Fraud Advisors www.airfa.net He has specialized on sales channel digitalizing, developing and design digital sales systems from scratch and managing customer Rawan Soudah experience in retail business on different digital channels. He also Business Analyst has experience and still managing CRM functionalities in Domino’s ProgressSoft Corporation Pizza Turkey. Rawan Soudah has started and fast-tracked her career at ProgressSoft Corporation, by delving into the diverse payments domain that the company specializes in. Rawan has been a key team member in the wide range of products offered by the company, such as Mobile Payment, Mobile Payment Clearing, Electronic Funds Transfer, and Real-Time Gross Settlement Systems. For the past 6 years, Rawan has been a Business Analyst enthusiastically working with key stakeholders from the customer side to understand their concerns and collaborate with them in optimizing their payments infrastructure. She also joins forces with the development teams to covey the customers’ vision to them and ensure that all their needs and expectations are met. During the past 2 years, Rawan has been the product owner of Seychelles Electronic Funds Transfer System. Rawan holds a Bachelor and Master degrees in Computer Science from the American University of Beirut in Lebanon.

Graham Tonkin security and trust in their electronic transaction ecosystems. Partner Manager He holds both CISSP and CFE certifications. Tom holds a B.A. Monetas International Relations from San Francisco State University. Graham believes technology will be the ultimate Arda Ya cıo lu tool to drive prosperity for everyone on earth. ğ ğ Corporate & Commercial Cards Payment Solutions With experience in over 20 African countries, Graham has held Senior Manager a variety of roles focused on helping to grow and finance small Abu Dhabi Commercial Bank business. From working in West Africa with small enterprise in the agricultural sector, to micro-financing renewable energy projects Arda Yagcioglu is a Senior Manager at Abu Dhabi in southern Africa, Graham has seen the potential of mobile money Commercial Bank Credit Cards Division where he leads the to mitigate both the cost and risks associated with physical cash. commercial cards and payment solutions. He is also responsible Now working at a Switzerland based startup, Graham is working for integration of mobile payment solutions for cards. Arda has to leverage the bitcoin blockchain and advanced cryptography to more than 10 years of experience in credit cards business. He create a new transaction platform that connects anyone to global started his career at Akbank and he worked as Assistant Product finance with nothing more than a smartphone. With crypto-finance, Manager in Cards Marketing Division at the development and people will be in ultimate control of their wealth and have the launch projects of Wings, an affluent segment miles credit card. ability to access financial tools crucial to development, stability, After that, he joined Finansbank Commercial Cards Team where and individual prosperity which have thus far only been available in he played active role in launching and positioning VadeKart for mature markets. SME segment as well as managing the sales teams. Following Finansbank, he joined Garanti Bank Commercial Cards Team Burak Ünaldı and he served for 4 years. He participated and completed several Secretary General product projects such as instant business card scoring for sole TAMPF (Turkish Federation of Shopping Centres proprietors, prepaid card projects for corporates. He was also and Retailers) responsible for managing American Express Corporate Cards and leading a team for the implementation of cards to multinational companies in Turkey. He graduated from TED Ankara College in Miguel Valero, 1999, and he also completed 1 year exchange student program Director of Digital Banking, with a diploma at Arrowhead High School, WI, USA, in 2000. He Banorte holds a BSc in Political Science and Public Administration from CPA from Instituto Tecnológico Autónomo de Bilkent University, Ankara and a MSc in Economics of European México, ITAM, he also has an MBA and Diploma in Union from Galatasaray University, Istanbul. He is married and Banking & Lending, also from ITAM. Several specialized courses father of a 10 month old toddler. on Banking both in Mexico and foreign countries. As of June Samee Zafar 2012 finished “Graduate School of Banking” at Louisiana State Director University. More than 20 years in banking experience trough Edgar Dunn & Company different areas including Finance, Deposits, CRM, Credit Card, Bank Agents, Acquiring Bussines and Mobile Banking. Currently Samee is a Director in the London office of Edgar, at Grupo Financiero Banorte as head of Financial Inclusion and Dunn and Company, a global management Mobile Channels, he participates with Bank Agents Committee consulting firm. Samee has advised some of the world’s largest from Mexican Banks Association. organisations in North America and Europe, working at the Board level. Samee leads the firm’s advanced payments consulting Ronald Wakabi practice. He has advised banks, payment companies, mobile Product Manager operators, and other payment service providers on developing Diamond Trust Bank their payment strategies. He also advises clients on mergers and He began his career in the telecommunications acquisitions with a specific emphasis on financial services entities. industry where he gained experience in customer His clients include investment banks, private equity providers, service, sales, systems, operations, product development and hedge funds, and large acquisitive companies. He has previously project management. Previously he was in charge of Orange worked with PricewaterhouseCoopers and at Scient Consulting Money project and product management where he was the leader based in New York. He started his career with Visa International of the Orange Money launch team in 2013. In Diamond Trust in London where he helped banks manage product economics. Bank Ronald is in charge of Digital Financial Services where he Samee regularly speaks at major conferences and events on leverages the bank’s proficiency in financial services to build banking and digital commerce. He has published a number partnerships with Mobile Network Operators, Donors and other of articles in leading industry journals such as the Electronic players with the aim of accelerating financial inclusion. Payments International, American Banker and Banking Strategies Magazine. He is a regular speaker at key industry events and Tom Wills has co-authored a book “Developing and Managing a Successful Director Payment Cards Business” published by Gower Publications. Ontrack Advisory Tom has over 30 years of product strategy, security, and authentication/digital identity experience. Equally fluent in the business and technology aspects of payments, Tom has worked with multiple products in the retail, billing, and banking environments via the mobile, online, smart card, magnetic stripe, and paper-based transaction channels. Tom advises top- tier organizations in navigating the challenges of maintaining

28 www.mobile-money-global.com SPONSOR & EXHIBITOR PROFILES

1-3 DECEMBER 2015 // ISTANBUL, TURKEY ProgressSoft Amdocs

ProgressSoft has been committed to a boundless aspiration towards With more than a 12-year track record of ensuring service providers’ innovation since its inception in 1989, focusing its proficiency in real- and financial institutions’ mobile money success and embracing their time payments to deliver a set of solutions tailored for the needs of biggest challenges, Amdocs Mobile Financial Services is redefining the banking and financial sectors. Specializing in real-time payments, the boundaries of traditional financial services. Uniquely the company ProgressSoft provides solutions in the fields of Electronic Check combines the most comprehensive and advanced financial grade Clearing, Mobile Payments, Mobile Payment Clearing, Automated platform along with a dedicated center of excellence to accelerate Clearing House (ACH) Payments, Real-time Gross Settlement (RTGS) market adoption of mobile financial services. We enable our customers and Electronic Funds Transfer (EFT). The company also provides to tap into new market segments and capture new revenue streams, solutions for Real-time Securities Trading Settlement, Corporate enrich their financial ecosystem and quickly adapt to dynamic end-user Banking & Cash Management, as well as Intelligent Signature needs and regulatory requirements to leapfrog the competition. Amdocs Verification and Recognition. ProgressSoft serves more than 350 banks Mobile Financial Services have successfully deployed more than 50 and central banks in 24 countries, where it successfully runs numerous mobile financial services solutions worldwide, including Globe, Maxis, countrywide implementations of its renowned Electronic Check Clearing Indosat, True and Digicel and supports over 650 million end-users. solution, its Automated Clearing House solution, in addition to extensive Amdocs: Embrace Challenge, Experience Success. bank-tailored deployments. Realizing the needs of the industry, For more information, visit Amdocs at www.amdocs.com. ProgressSoft introduced PS-mPay, the Countrywide Mobile Payment Solution that enables domestic and cross-border remittances for banked and non-banked users to take place via mobile handsets and smart phones. Furthermore, ProgressSoft enabled central banks to assume their vital role in the mobile payment cycle by launching its Mobile Payment Switch PS-mpClear, which supports processing and switching mobile financial and non-financial transactions in STP basis and routing messages between multiple mobile payment services providers.

We are proud to welcome back the 2015 Global Payments Awards Join us as we celebrate the organisations which have worked tirelessly to build, establish and deploy successful payment programmes around the world. The awards will be announced live at 17.45 on Tuesday 2nd December. Make sure you join us in the Mobile Money & Digital Payments conference room as we recognise the market leading companies and partnerships. The 2015 award categories and shortlist (in alphabetical order) are: Best Payments Deployment in Africa Best Payment Deployment in the Americas • Absa Bank • Alpha Payments Cloud • Bharti Airtel International Netherlands BV. Kenya Branch • E-prepag • National Bank of Kenya • Kabbage, Inc. • SureSwipe • Prepay Nation, Inc. Best Payment deployment in Asia • Sensiple • Airtel Bangladesh Ltd. • Tigo Money El Salvador • Dialog Axiata PLC Retail Innovation Award • Globe Telecom and Amdocs • Airtel Bangladesh • Pay Point India Network Private Limited • CashStar • ToneTag • Dialog Axiata PLC • Vodafone Mpesa Limited • eThor Best Payment Deployment in Europe • Odeabank A.S. • 2Checkout • Rock Finance, s.r.o. • Cashcloud Securing Payments Awards • Getin Bank • CloudWalk Inc. • UPT Ödeme Sistemleri A.S. • G2 Web Services • IKI • Isys Global Trading Group Co. • LockByMobile • Oberthur Technologies • PrePaid Ventures

Dermalog Easy Solutions

Welcome to the world of DERMALOG. The biometric innovations leader. As a pioneer in the development of biometric products and solutions, DERMALOG has shaped the world of security for over 25 years. We have Easy Solutions is a security provider focused on the comprehensive been and keep on revolutionizing biometric security products for law detection and prevention of electronic fraud across all devices, channels enforcement, civil governmental agencies like national registration, and clouds. Our products range from fraud intelligence and secure voter and driver registrations, health agencies, security agencies browsing to multi-factor authentication and transaction anomaly and develop solutions for access and data security, authorization and detection, offering a one-stop shop for end-to-end fraud protection. authentication services as well as mobile security. Governmental The online activities of over 75 million customers at 280 leading financial organizations as well as public and private businesses all over the world services companies, security firms, retailers, airlines and other entities trust DERMALOG’s expertise and state of the art biometric products. in the US and abroad are protected by Easy Solutions Total Fraud Protection® platform. Deutsche Telekom eServ Global

Deutsche Telekom is one of the world’s leading integrated telecommunications companies with around 151 million mobile eServGlobal offers mobile money solutions which put feature-rich customers, 30 million fixed-network lines and more than 17 million services at the fingertips of users worldwide, covering the full spectrum broadband lines (as of December 31, 2014). of mobile financial services, mobile wallet, mobile commerce, The Group provides fixed-network, mobile communications, Internet, recharge, promotions and agent management. For more than 30 and IPTV products and services for consumers, and ICT solutions for years, eServGlobal has been a source of innovation for telcos and business customers and corporate customers. Deutsche Telekom financial institutions. Using carrier-grade, next-generation technology, is present in more than 50 countries and has approximately 228,000 eServGlobal aligns with the requirements of customers around the employees worldwide. globe. Together with MasterCard and BICS, eServGlobal is a joint venture The Group generated revenues of EUR 62.7 billion in the 2014 partner of the HomeSend global payment hub, enabling cross-border financial year – more than 60 percent of it outside Germany. money transfer between mobile wallets, cards, bank accounts or cash outlets from anywhere in the world. Follow: @eServGlobal

In collaboration with

2015 Global Payments Dragons Den For the second consecutive year, we are delighted to welcome back the thrilling Global Payments Dragons Den to Istanbul What is the next big thing set to change the payments’ industry? Join us in our exciting, energy –packed Payments’ Dragons’ Den as three up-and- coming companies showcase their payment products and programmes, set to revolutionise how people move, manage and spend their money. Make sure you join us at 16:00pm on Thursday 3rd December in the Mobile Money & Digital Payments Theatre to be a part of the 2015 Global Payments Dragons Den! The 2015 Payments’ Dragons are:

Ersin Pamuksuzer Haggi Hochberger David Parker Paul Rodgers Serial Entrepreneur Director, Founder and CEO Chairman and Investor, Innovation Partnership Polymath Consulting Vendorcom Founder StartersHub Program Amdocs

30 www.mobile-money-global.com 1-3 DECEMBER 2015 // ISTANBUL, TURKEY

Estel Technologies Mahindra Comviva

Mahindra Comviva is the global leader in providing mobile financial Estel Technologies, an ISO 9001-2008 certified company, is a leading and VAS solutions. It’s a subsidiary of Tech Mahindra and a part of the Mobile Financial Services technology enabler and has a significant USD 15.9 billion Mahindra Group. presence with Banks, Mobile Network Operators and Payment With an extensive portfolio of solutions spanning mobile finance, Service Providers globally with a special focus on Asia, Africa, content, infotainment, messaging, mobile data and managed VAS Middle East and Latin America. Estel serves 40 customers in more services, Mahindra Comviva enables service providers to enhance than 30 countries. Our HQ and development centre are located in customer experience, rationalize costs and accelerate revenue India with sales & service offices in Dubai and Africa. Estel is a growth. Its solutions are deployed by over 130 mobile service Mobile Commerce specialist company dedicated to developing and providers and financial institutions in over 90 countries and enrich deploying MFS platforms including: m-POS; Micro ATM; Mobile the lives of over a billion people, globally. For more information, Money / Mobile Wallet / Agent Banking; Mobile Payments; e-Top Up & please visit www.mahindracomviva.com. e-Voucher; Platforms are offered under CAPEX based customer-site deployments & hosted cloud bases services in OPEX. Mobven Check out more information at www.esteltelecom.com

Famaco

With offices in Paris, Brussels and Hong Kong, FAMOCO provides Mobven founded in 2012, is a leading mobile technology company a breakthrough secure NFC Android reader called FX100 Series. focusing on mobile financial products. This terminal targets the needs of professional devices for mobile Mobven has developed several products in mobile payments, savings enterprise applications. The solution can be used as a mobile Point and ordering space such as CeptenOde, HesapAl and M-savings. of Sales in the sectors of transportation, access control, cashless Mobven established partnerships with leading financial service payment, loyalty and cashless events. The device is remotely players such as Ingenico and ING and is in close-cooperation with managed, it comes with a centralized and integrated Over-The-Air Mastercard and other PSPs. device management solution, increasing productivity and providing a closed-loop and highly secure end- to-end solution. Today FAMOCO Neopay expands worldwide and operates in more than 25 countries. FAMOCO works with customers such as Google, Germalto, Orange, etc. ininal Neopay is the market leader in delivering integrated compliance solutions to Electronic Money and Payment Institutions. Neopay provide a full suite of compliance services; working with organisations to develop their compliance frameworks, ensuring ininal was founded in 2012 in order to provide basic financial services successful authorisation processes, and providing maintenance of to both retail and corporate customers and become “the Leading compliance structures. New Generation Payment Platform of Turkey and Region”. Our approach is different. We share our knowledge and expertise to Retail financial services help you develop comfortable solutions for your business. • ininal offers ininal card, a pre-paid MasterCard, through more Because of this, our success rates are the best in the market. Having never failed to achieve authorisation for a client, we are ranked as the than 5.000 retail sales points (Migros, Tansaş, D&R, Teknosa, Yaysat and PTT) and ininal mobile wallet application to its best specialist E-Money compliance consultancy by our clients and customers. leading industry experts. www.neopay.co.uk • ininal users can deposit money into their cards or accounts via more than 10.000 retail and ATM points and spend their deposits Raklet in all physical and virtual POS all over the world. • ininal users can reach all the services they desire through ininal online transactions and ininal mobile wallet. • Corporate financial services • ininal develops customized platforms and offers co-branded Raklet is a cloud platform for non-profits and associates to build, cards with its customer customers manage, monetize and grow their community. Through Raklet, • ininal offers lump-sum payment and expense tracking system organizations can easily collect membership fees, receive donations, to its corporate customers through its payment platforms and sell event tickets, run fundraising campaigns, send emails, list cards. Furthermore, it increases new customer acquisition jobs and more. Raklet’s reporting tools also makes it easy for through directing campaings and loyalty programs to end users. organizations to measure their performance. Additionally, members of each organization can interact with each other through a private social network. Ultimately, Raklet hopes to become the private social network of organizations, through which members can create business opportunities.

SetSec Payment Company Transfer-To

SetSec Payment Company provides Online and Offline Digital Money Collection Solutions for public and private transportation sector, TransferTo is a Global Airtime Remittance Hub that interconnects hotels, sport centers and educational institutions. Every solution has mobile operators’ prepaid systems to deliver end to end cross border financial and operational management capabilities with advanced top-up services. TransferTo is the only fast, convenient and reliable reporting. Integrated call center features and mobile extensions are solution enabling the transfer of small amounts of value in the form also available. of prepaid mobile credits, the ideal lowcost, high value complement to cash remittances. TransferTo has been designed for migrants and Tagattitude travellers, who can now remotely recharge the prepaid phones of their loved ones back home from their mobile phones, the Internet or at a retail location. TransferTo is a must have Value Added Service for Mobile Network Operators, Retailers, Money Transfer Operators and Financial Institutions targeting the ethnic market segment. With a global reach over five continents, TransferTo is the leader Established in 1989, ProgressSoft has been focusing its proficiency in international prepaid airtime remittances, and enables real in Real-time Payments and Imaging technologies to deliver a set time prepaid top-up transfers to over 230 partner Mobile Network of innovative solutions tailored for the needs of the banking and Operators in 80 countries, reaching 3.6 billion prepaid users. financial sectors. Serving a diversified client base of 550 banks in 24 TransferTo is part of Ingenico (Euronext: FR0000125346 – ING) the countries around the globe, ProgressSoft provides solutions in the world’s leading provider of payment solutions, with over 15 million fields of Electronic Image-based Check Clearing, Mobile Payments, terminals deployed in more than 125 countries. Its 3,600 employees Electronic Funds Transfer, Automated Clearing House, Real-Time worldwide support retailers, banks and service providers to optimize Gross Settlement, Intelligent Signature Recognition, and Real-time and secure their electronic payments solutions, develop their offer of Settlement for Securities Trading. Upon providing the region’s first services and increase their point of sales revenue. signature verification system, ProgressSoft has pioneered the world’s For more information, please visit http://www.transfer-to.com. first Electronic Image-based Check Clearing solution PS-ECC; an unprecedented breakthrough in the payments field that actualized Wirecard truncation of checks from the branch level. For more information, please visit www.progressoft.com.

Telepin Wirecard AG is a leading international provider of electronic payment solutions. Our product portfolio spans payment processing, fraud protection/risk management and issuing solutions for merchants, telecommunications network operators and financial institutions worldwide, including innovative acquiring and issuing technologies in Telepin Software is a leading provider of mobile financial platforms, consumer finance, loyalty and contactless card and mobile payments. delivering mobile operators the most efficient and cost-effective way Worldwide, Wirecard supports over 12,000 companies from a wide to control their distribution network, maximize revenues from mobile range of industries ranging from Orange and T-Mobile, to Turkish and financial services, and drive innovative mobile financial applications. Malaysian Airlines, to Microsoft and QVC. Telepin’s Cayman Application Platform enables a full suite of Wirecard has offices throughout Europe, the Middle East, Asia and electronic, transaction-based applications for mobile subscribers North America and is listed on the Prime Standard of Deutsche to recharge their mobile airtime without the use of physical cards Boerse in Frankfurt. or vouchers, facilitate P2P money transfers, allow for electronic bill www.wirecard.com payments, and more, using multiple channel interfaces. For more information visit www.telepin.com

32 www.mobile-money-global.com EVENT PARTNERS

1-3 DECEMBER 2015 // ISTANBUL, TURKEY

BKM StartersHub

Acting as a catalyst for the region’s entrepreneurial ecosystem, Established in 1990, BKM (Interbank Card Center of Turkey) was StartersHub is a world-class platform offering startups everything formed as a partnership of 13 public and private Turkish banks. BKM they need under one umbrella, including extensive know-how and carries out interbank clearing and settlement transactions, develops network, multi-stage funding, services, strategic partnerships, procedures and domestic rules, coordinates relations with foreign hands-on mentorship and an inspiring workplace at the heart of the entities and carries out transactions from a single center within the business district in Istanbul. startershub.org Turkish Payment Sector. Currently, BKM has 27 member financial institutions in Turkey. Considered as a model throughout the world TAMPF due to its productive operations and high transaction volume, with its solid technical hardware, infrastructure and human resources, BKM is continuing on its efforts to provide the best service to its members, retail industry, public and cardholders. BKM’s vision is: “To lead the transition to a cashless world in the payments industry and create Turkish Federation of Shopping Centers and Retailers (TAMPF) is the and operate the necessary platforms for this transition in everywhere roof organization of five important sectoral associations gathering required by the industry”. www.bkm.com.tr the most important actors of the retail and shopping centers International Finance Corporation together. TAMPF represents more than 700 thousand employees, 100 billion dollars sales volume, an area of 15 million square meters and 59 thousand shops. It aims to accelerate the sector and the economy of the country by gathering the information and the experience of the associations and their members forming the Federation. TAMPF targets to form the infrastructure of the sustainable IFC, a member of the World Bank Group, is the largest global development of modern retailing sector in Turkey and to improve the development institution focused exclusively on the private sector position of the sector in Turkey’s economy and to strengthen its place in developing countries. Established in 1956, IFC is owned by in the international platform. 184 member countries, a group that collectively determines our www.tampf.org.tr policies. Our work in more than a 100 developing countries allows companies and financial institutions in emerging markets to Vendorcom create jobs, generate tax revenues, improve corporate governance and environmental performance, and contribute to their local communities. IFC’s vision is that people should have the opportunity to escape poverty and improve their lives. www.ifc.org

ODED Vendorcom is a pan-European organisation which connects all stakeholders in the payments community. Our primary aim is to promote innovation through collaboration. We do this by creating platforms for thought leadership, providing a range of opportunities for knowledge sharing and resolving issues for our members, thereby generally enabling the payments community to better understand Established in late 2015 ODED (Turkish Payment and Electronic and more effectively meet market needs. Money Institutions) aims to develop of e-money and payment system www.vendorcom.com industries in Turkey. Founded with more than 40 major industry players, ODED will support local and international activities of MNOs, international money transfer companies, payment system providers, e-money issuers and utility companies in Turkey. For years Turkey has been getting attraction from several parties because of the innovative usage of payment technologies. Starting from now ODED aims to redefine Turkey as a regional hub for payment technologies. ODED’s aims could be summarized as below; 1. Development of e-money and payment systems 2. Ensuring strong collaboration among national and global stakeholders 3. Assisting the elaboration of the legislative regulators 4. Conducting and publishing market researches 5. Organization of conferences and events to create public awareness

34 www.mobile-money-global.com A Wide Set of Payment Services 1-3 DECEMBER 2015 // ISTANBUL, TURKEY Anytime, Anywhere

One Mobile in Hand

ProgressSoft’s mobile payment solution, PS-mPay enables Person2Person, Person2Business and Person2Government Payments, in addition to Bill Payments, Direct Credit and Point-of-Sale (NFC) Payments. With PS-mPay, all payments can be carried out by banked and unbanked users anytime, anywhere.

To learn more about PS-mPay, please visit: www.progressoft.com/ps-mpay or contact us at [email protected]