Aly Mustansir_edited

Aly Mustansir

Chief Marketing Officer
Bank Alfalah Limited

Aly Mustansir has 23 years of experience in Marketing and Brand Management. Currently he works as Chief Marketing Officer at Bank Alfalah. In 2011, Aly received an Excellence Award from the Marketing Association of Pakistan for contribution to the field of marketing management. In 2015, he was awarded Asia’s Most Influential CMO by the World Brand Congress.


Sofia Wikander 

Head of Business Innovation
Nordea Bank

Sophia Wikander has 20 years in leadership positions covering a variety of industries and business functions, including Banking, IT, Strategy Management and Marketing/Creative- consulting firms and start-ups. Among her previous positions Sophia has served as CEO, area/unit head and project manager. She has an international outlook with experience from working in the Nordics, Baltics, Australia and US with strong focus on business development and change management. The last 10 + years Sophia has been in banking /transaction banking.

Mobey Helsinki June 2015

Jordi Guaus

Head of Digital Marketing

Mr. Guaus currently serves as Head of Mobile Payments at La Caixa. In his current role he is responsible for developing mobile payment services and also works closely with the Cards Unit of La Caixa to advance mobile internet banking services. At La Caixa Mr. Guaus is also Project Manager of Mobile Shopping Sitges 2010, which is the first near field communication trial in Spain.

Mr. Guaus has participated in Mobey Forum since 2005 and has been a member of the Board since 2009.


Demetrio Migliorati

Innovation Manager
Banca Mediolanum

Demetrio is a senior manager with an extensive multifunctional expertise in various industries and a solid information technology background. Presently Innovation Manager @Banca Mediolanum, he is passionately focused on digital transformation.


Neira Jones

Emerging Payments Association

Neira Jones with more than 20 years in financial services and technology made Neira believe in change through innovation & partnerships. She is regularly invited to advise organisations of all sizes on payments, cybercrime, information security and digital innovation where she always strives to demystify the hype surrounding current issues.


Dr. Eva Schreiber

Senior Consultant Human Centered Design

Dr. Eva Schreiber Senior Consultant Human Centered Design Swisscom 20 YEARS’ EXPERIENCE AND LEADERSHIP IN INNOVATION, STRATEGY AND HUMAN CENTERED PRODUCT DESIGN Set-up and grow business: Rollouts, launches, new initiatives, change Strategy, Business Development, customer-centric Innovation Financial Services, Payment, Telecom, IT-Solutions, Digital. Leading strategically important projects within Swisscom. cool head – warm heart – working hands

AUSTRIA, VIENNA - APRIL 15, 2014: Peter Bosek. Member of the Management Board
Erste Bank der oesterreichischen Sparkassen AG

Dr Peter Bosek

Chief Retail Officer
Member of the Managing Board
Erste Group Bank

Dr Peter Bosek joined Erste oesterreichische Spar-Casse in 1996, heading various departments with a focus on Housing, Retail Estate and Retail Business. From 2000 until 2007 Peter Bosek served as member of the Management Board of “s Wohnbaubank AG”, and was a member of the Management Board for Retail Business in Erste Bank der oesterreichischen Sparkassen AG from 2007 to 2016.


Iddo de Jong

Senior Expert
DG Market Infrastructure & Payments
European Central Bank

Iddo de Jong Senior Expert DG Market Infrastructure & Payments European Central Bank Iddo is currently responsible for policy development on SEPA for cards and on innovative payment solutions. Iddo holds a M.Sc. in Economics from the Erasmus University Rotterdam, the Netherlands.


Dennis Raabe

Head of Digital Experience Management
Deutsche Postbank AG

Dennis Raabe Head of Digital Experience Management Deutsche Postbank AG In this role he oversees all customer-related online and mobile activities, including multiple award-winning online banking and mobile apps. He is responsible for the web and app strategy of Deutsche Postbank AG and is focused on developing innovative digital retail banking solutions. His work influenced the digital transformation at Postbank and has been recognized industrywide.


Kasper Sylvest

Head of Financial Market Infrastructures
Danske Bank

Kasper Sylvest currently serves as a senior manager in Danske Banks Group Financial Infrastructure department. In this role he acts as an expert on various financial market infrastructures in both payments and securities. Kasper is a member of a number of committees, working groups and task forces. Before his current position Kasper has worked as an (IT) project manager in Danske Bank and before joining Danske Bank he worked for 7 years as an economist in the Payment Systems Department in the Danish Central Bank. Kasper holds and M.Sc. in Economics


Mario Maawad

Digital Security Director

Mario Maawad Marcos has been working in IT field for over 18 years, including the last 14 years in Security. He has been working at CaixaBank back since 2004, the leading Financial Institution in Spain, as the Director of Fraud Prevention

Mario is a member and has participated actively creating and managing initiatives within the European Payments Council (EPC), Forum of Internet & Response Teams (FIRST), Cloud Security Alliance (CSA).

Mario is also the chair of the Security & Biometrics WorkGroup at the MobeyForum as well as being the co-editor of parts 2 and 5 of the ISO 12812 standard on Mobile Banking and Payments. All these activities also align with CaixaBank’s current vision of becoming a reference in mobile banking where security is an important & relevant issue.


Douglas Kinloch

VP Software Protection & HCE
Inside Secure

Douglas Kinloch is Vice President with responsibility for INSIDE Secure’ Software Protection & HCE group. Douglas and the team have been driving the company’s line of Software Security Technology in multiple markets including Mobile Banking and Finance. The group are Host Card Emulation Payment pioneers having supported deployment of Secure HCE Apps since early 2013.

Doug is a commercially focused senior Business Development & Marketing exec, experienced in developing International markets across a range of Software & hardware market sectors.


Martin Spona

Head of Group Digital Sales
Erste Group Bank

Martin Spona is the Head of Group Digital Sales at Erste Group Bank. He is responsible for the development and seamless integration of digital distribution channels in a multichannel strategy for the entire group.

In addition to the development and optimization of new digital touchpoints (Apps, Internet banking, ATM) improving the customer experience across all channels is priority. The simplification of banking products and processes, campaign management, strategy and development of innovation topics like mobile payment, together with Fin-Techs and new business models are among his focus areas.

For more than fifteen years Spona has been dealing intensively with the needs and requirements of financial institutions, specifically with the banking of the future.

Mobey Helsinki June 2015

George Charalambous

Head of Digital Transformation at HSBC Retail Banking and Wealth Management

George Charalambous was appointed Head of Mobile Banking with effect from 1st January 2014 overseeing all aspects of Mobile Banking services and digital pipeline across HSBC’s UK retail businesses, HSBC, first direct and M&S Bank. George’s career at HSBC spans over 18 years during which he has completed a diverse number of roles across the Branch Network, Contact Centres and Head Office functions including Credit Risk, Change Delivery and Customer Value Management. He has been responsible for a number of key step change programmes for the organisation including the rollout of Positive Data Sharing, Contactless Debit cards and the Paym mobile payments service. More recently, he is leading the evaluation of the innovative Zapp mobile payments solution, and a number of other Mobile Payment/Digital wallet solutions for the UK bank.

Mobey Helsinki June 2015

Zaf Kazmi

Senior Manager, Group Digital Sales
Erste Group Bank

Zaf Kazmi is currently focusing on the Group Mobile Channel Sales Strategies at Erste Bank in Vienna, Austria with a specific goal to monetize the Mobile Banking Channel through new products and services, especially within the fields of payments and commerce. Prior to that, he was the Head of Mobile Payments & Commerce at CaixaBank, Spain, where he was leading a number of Mobile Channel related initiatives including mobile payments & commerce.

Zaf is the co-chair of the Mobey Forum’s Disruption in Banking Workgroup (previously HCE Workgroup), as well as being an active member of the EFMA’s Digital Channel Council. He is also member of the ISO TC68/SC7/WG10, currently working towards developing the ISO 12812 standard on Mobile Banking and Payments, as well as being an active member of the European Payments Council (EPC) Steering Committee on P2P.


Samee Zafar

Edgar, Dunn & Company
Management Consultants
London Office

Samee is a Director in the London office of Edgar, Dunn and Company, a global strategy consulting firm where he leads the firm’s Advanced Payments consulting practice and has advised clients on innovation, digital strategy, virtual currencies, eCommerce, digital wallets, and payments regulation.


Phill Gillespie

Chief Product Officer
Money Dashboard

Phill-Gillespie Chief Product Officer Money Dashboard Money Dashboard is the the UK’s largest PFM, with both Web and Mobile apps. Phill is responsible for the Product Vision of Money Dashboard “to help people be better with money and achieve their financial goals”. He’s driven by a passion for Lean and Scrum, and the psychology that underpins them both, as well as UX and CX.

Douglas Hartung_speaker

Douglas Hartung

Senior Director
Global Software Innovation
Diebold Nixdorf

Douglas Hartung currently serves as the senior director, global software innovation, for the combined Diebold Nixdorf organization. In this role, he is responsible for identifying, leading and evangelizing new business and product ventures to expand the organization’s software portfolio. He is experienced professional focused at the intersection of payments, mobile and financial services, Douglas has held positions at several high tech companies with increasing levels of responsibility.


Ron van Wezel

Senior Analyst
AITE group

Ron van Wezel is a senior analyst for Aite Group’s Retail Banking & Payments practice. His research covers market and regulatory trends in the payments space, with a focus on Europe.

Mr. van Wezel is a renowned expert in payments and digital banking. He brings to Aite Group 30 years of experience in product development and innovation, advising clients on a wide range of topics including mobile payments, digital wallets, cards issuing and acquiring, and ACH solutions.

Mr. van Wezel holds a MSc in Chemistry and Physics from the Vrije University in Amsterdam and an MBA in International Business from European University.


Dr. Marijke De Soete

Managing Director

Dr. Marijke De Soete is offering consultancy services since April 2004 for systems and applications based on emerging technologies, in particular related to security. Before she was holding various positions at Europay and subsequently MasterCard, where she managed departments responsible for the security aspects of chip card based payment products including the development and operation of supporting services such as key management and product approval. From 1989 till 1994 Marijke worked for Philips where her team was in charge of the design and implementation of cryptographic protocols and security services using chip cards.

She holds a Ph.D. in Mathematics from Ghent University (Belgium) and was more than 15 years involved in research in mathematics and cryptography. Marijke has been and is still active in several standardisation committees in the domain of IT security and chip cards including ISO, ETSI and GlobalPlatform. She was involved in the creation of EMVCo and acted as a Board member for several years. She is Vice-Chair of ISO/IEC JTC 1 /SC 27, IT security techniques since 2004.


Matteo Fermi

Head of Mobile
CaixaBank Payments

Matteo made the first steps in mobile project management with development of Nokia apps in 2007 and the first launch of iPhone in 2008. After almost then years of project management now is Head of Mobile in CaixaBank Payment coordinating the development of payments solution in CaixaBank apps.



Dr. Jarno Limnéll

Professor of Cybersecurity, Finnish Aalto University
Adjunct Professor in Tampere University of Technology
Vice President of Cybersecurity in Insta Group plc.

He has been working with security issues more than 20 years, and he has profound understanding of the global threat landscape, combined with the courage to address the most complex issues. Prof. Limnéll holds a Doctor of Military Science degree in Strategy from the National Defense University in Finland; a Master of Social Science degree from Helsinki University; and an Officer ́s degree from the National Defense University.


Claus Ehlers

International Expert
Danske Bank

Claus Ehlers is an international expert on securing mobile apps, assisting customers in Europe as well as in the US. He has worked for Bank of America, Microsoft, NCR, and Kaiser Permanente as Security Architect, Privacy & Compliance Manager, Enterprise Architect, and Development Manager

He is currently assisting Danske Bank in Denmark with their next generation of mobile products. He is a Certified Information Systems Auditor as well as a Certified Information Privacy Professional.


David W. Jones

Global Head – Payments and Banking

David joined Irdeto in 2008, since that time his responsibilities have included global partnership strategy, commercial management, and technical partner support services. Building on his extensive international experience in 2014 David moved to the Business Development team to drive Irdeto’s entry into new markets/segments. David now leads Irdeto’s Payments and Banking segment, introducing Irdeto’s core technologies and solutions to the Financial Services industry through direct sales and channels.


Zilvinas Bareisis

Senior Analyst
Celent’s Banking practice

Zilvinas Bareisis Senior Analyst Celent’s Banking practice His research focuses on payments, covering a broad range of topics, from cards to digital payments, to emerging technologies such as blockchain. He has a global perspective with a particular emphasis on market developments in North America, the UK, and Europe.


José Alejandro Rivas Vidal

Common Criteria evaluator, IT
Applus Laboratories

José Alejandro Rivas Vidal works as Common Criteria evaluator at Applus Laboratories. He is involved in several projects including Global Platform Trusted Execution Environment (TEE) evaluation. He has worked as security engineering in GMV and as software engineering at CriptoLab, a cryptology laboratory at University Politécnica of Madrid (UPM). He has a B.S. in Mathematics from University Complutense of Madrid (UCM) and a M.S. in Computer Security from La Rioja International University (UNIR).


Pierre Combelles

Head of Mobile Commerce

Pierre Combelles
Business Lead, Mobile Commerce, GSMA

Pierre Combelles works closely with the mobile network operator community and the wider vertical industries to foster the development of digital commerce services to benefit businesses and consumers.

Before joining the GSMA, Pierre was responsible for open innovation at the Orange Group. Prior to this, he worked broadly across varied technical management roles including in digital broadcasting, broadband wireless access, and IPTV.
Pierre graduated from Ecole Polytechnique and Ecole Nationale SupÈrieure des TÈlÈcommunications in Paris.


Jalal Douame

Vice President,Mobile Banking

Jalal Douame is digital expert with plus 10 years of banking experience. Jalal is currently managing mashreq’s award winning mobile banking platform. His role is to make Snapp, one of the world’s best mobile banking apps and the highest revenue generator for the bank. Jalal also led several key digital initiatives including the world’s first international mobile payment, UAE first Smart sales module and Mashreq’s unique national ID Integration.

Jalal is also member of the Blockchain council created to study and explore the possibilities that Blockchain could bring to the industry.


Simone van Schaik

Head of Cards, Cash, Online
Dutch Payment Association

Simone van Schaik has 18 year of experience in leadership positions in business functions, including product management, strategy consultancy, IT/ Operations management in the mobile telecommunication and payments processing industry. She currently serves as Head of cards, cash and online payments for the Dutch Payments Association. Her professional focus is on the intersection of mobile, Ecommerce, and payments.


Burak Yetişkin

Senior Manager
Accenture Switzerland

Burak is a Senior Manager in Accenture Digital, Internet of Things practice with a focus on connected commerce solutions. He is responsible of providing subject matter expertise on mobile payments and blockchain-based technologies including cryptocurrencies, digital money movement and settlement, trade finance and mobile wallets.


Mobey Helsinki June 2015

Bastien Latge

Director of Technology

Bastien Latge as Director of Technology, balances his time between critical EMVCo priorities. Central to his role is the oversight of internal technical developments across EMVCo’s working groups and the representation EMVCo in its liaison work with other technical bodies, to ensure effective collaboration and industry alignment in EMVCo’s technical matters.

With over 15 years of experience within the payments industry, Bastien joins EMVCo from INSIDE Secure, where he held a number of different positions in the areas of payment (Contact, Contactless and Mobile), including Mobile Software Products Director. He has also held roles at Smart Consulting, in the area of terminal and card certification, and Gemplus (now Gemalto).


Richard Ledain

Payment Expert

Richard Ledain is a payment expert with over 15 years of experience in the payment industry, Richard Ledain is currently working  for the  3DS task force within EMVCo. After 14 years in aerospace industry, he moved to Visa and the finance industry. He managed the EMV migration in Europe, then various card, contactless and mobile programs. Richard holds an Master Engineer degree from Ecole National Superieur Electronique et Application (France) and a certificate in Business management.


Carlos Silvestre

Solution Architect

Carlos Silvestre is a representative of the EMVCo Next Generation Task Force and Level 2 Working Group.

 Carlos is UK based and currently serves as a Solutions Architect, with focus on EMV chip, mobile and advanced payments products, within Global Merchant Network Technology at American Express. Carlos is a Subject Matter Expert in payments, with extensive experience in EMV projects in Latin America and Europe.


Seminar on PSD2 – possibilities for mobile
operators and banks

GSMA invites in PSD2 discussion with financial
institutions and mobile operators