Organized by the CEE Perspective Association with the support
of the National Bank of Romania.

The most important meeting place between regulator and
payment system participants, emerging technologies,
innovators and their beneficiaries.

The Forum aims to discuss the latest developments in payments
ecosystem regulation and best practices in the CEE region, with
a focus on MiCA (Markets in Crypto-Assets Regulation) as well as
new DLT and Blockchain technologies.

The format of this Forum is a series of roundtables involving a
balanced group of speakers from the public authorities and the
financial industry, introduced and concluded by speeches.

Organized by the CEE Perspective Association with the support
of the National Bank of Romania.

The most important meeting place between regulator and
payment system participants, emerging technologies,
innovators and their beneficiaries.

The Forum aims to discuss the latest developments in payments
ecosystem regulation and best practices in the CEE region, with
a focus on MiCA (Markets in Crypto-Assets Regulation) as well as
new DLT and Blockchain technologies.

The format of this Forum is a series of roundtables involving a
balanced group of speakers from the public authorities and the
financial industry, introduced and concluded by speeches.

Registrations NOW open

Join us for an unforgettable experience at the 3rd edition of CEE Perspective!

Agenda

08:30
Registration + Welcome Cocktail
09:30
Welcome Speech
09:45
Embracing Change: Overcoming Challenges of a Rapidly Developing Industry

Moderator

Raluca Micu

Head of Payments Oversight Division, National Bank of Romania

Speakers

Mariana Figueiras

PSD Team Member, DG FISMA, European Commission

Jochen Metzger

Global Head of Markets, NowCM

Gabriela Folcut

Executive Director, Romanian Banking Association (ARB)

Dorian Petrovici

Coordinating Manager Retail Cards, Projects & Data Analysis, Banca Transilvania

Dana Dima

Executive Vice President Retail and Private Banking, BCR

Niklas Sandqvist

Co-Secretary General, European Digital Finance Association
10:45
Thinking Forward: Preparing for Tomorrow

Moderator

Cosmin Curticăpean

Executive Entrepreneur, iFactor

Speakers

Frans van Bruggen

Senior Policy Advisor Fintech & AI, De Nederlandsche Bank (DNB)

Ester Botica Alonso

Policy Officer, Digital Finance Unit, European Banking Authority (EBA)

Răzvan Faer

Head of Marketing & Strategy, TRANSFOND

Răzvan Popescu

Fintech Startups Strategy Advisor, Elemental Solution Center

Ana Maria Georgescu

Cofounder & Member Romanian Fintech Association, Smart Fintech
11:45
Coffee Break
12:00
Digital Flexibility: Adapting to the Impact of of New Technologies

Moderator

Ph.D. Dan Costin Nitescu

Senior Advisor to the Governor, National Bank of Romania

Speakers

Alexandru Bița

Chief Technology Innovation Officer, Libra Internet Bank S.A.

Elena Ungureanu

Country Manager Romania, VISA

Viorel Vasile

Director Cards Management Division, SALT Bank

Anatolie Telchiji

Sales Executive, UiPath

Diederik Bruggink

Head of Payments, Digital Finance and Innovation, European Savings and Retail Banking Group, ESBG

Cosmin Tudor

Engagement Director, HTSS
13:00
Operational Resilience: Ready for the Worst, Planning for the Best

Moderator

Alexandru Dobrev

Head of Financial Market Infrastructures Oversight Division, National Bank of Romania

Speakers

Bogdan Pătru

Government Engagement Director, Mastercard Romania & Croatia

Gabriel Tănase

Partner, Technology & Cyber Security, KPMG Romania

Ana Ionascu

Account Director, Microsoft

Șerban Raul

Information Security Manager, Orange Romania

Răzvan Vartolomei

Director Payments Department, National Bank of Romania
14:00
Closing Remarks

Speakers

Claudiu Negrea

Deputy Director of Financial Market Infrastructures and Payments Oversight Department, National Bank of Romania
14:10
Networking Lunch
15:00
Guided tour to the National Bank Museum

Elena Ungureanu

VISA

Country Manager Romania

Elena Ungureanu has over 25 years of experience in the field of electronic payments. Throughout her career, she actively participated in the key moments marking the evolution of the cards market in Romania, from the launch of the first bank card to the latest payment technologies. Elena joined the Visa team in Romania in 2003 and is currently the Country Manager of the company. From this position, Elena is directly involved in the development and implementation of the company’s business plans and market strategies locally, being also responsible for coordinating operational activities related to payment technologies, as well as the relationship with partner banks and local merchants. Elena is a graduate of the Faculty of Economic Cybernetics, Statistics and Informatics within the Bucharest University of Economic Studies.

Elena Ungureanu

Country Manager Romania

VISA

Elena Ungureanu has over 25 years of experience in the field of electronic payments. Throughout her career, she actively participated in the key moments marking the evolution of the cards market in Romania, from the launch of the first bank card to the latest payment technologies. Elena joined the Visa team in Romania in 2003 and is currently the Country Manager of the company. From this position, Elena is directly involved in the development and implementation of the company’s business plans and market strategies locally, being also responsible for coordinating operational activities related to payment technologies, as well as the relationship with partner banks and local merchants. Elena is a graduate of the Faculty of Economic Cybernetics, Statistics and Informatics within the Bucharest University of Economic Studies.

Elena Ungureanu

VISA
Country Manager Romania
Elena Ungureanu has over 25 years of experience in the field of electronic payments. Throughout her career, she actively participated in the key moments marking the evolution of the cards market in Romania, from the launch of the first bank card to the latest payment technologies. Elena joined the Visa team in Romania in 2003 and is currently the Country Manager of the company. From this position, Elena is directly involved in the development and implementation of the company’s business plans and market strategies locally, being also responsible for coordinating operational activities related to payment technologies, as well as the relationship with partner banks and local merchants. Elena is a graduate of the Faculty of Economic Cybernetics, Statistics and Informatics within the Bucharest University of Economic Studies.

Gabriela Folcut

Romanian Banking Association (ARB)

Executive Director

Gabriela Folcuț, a graduate of the Faculty of Accounting within the Bucharest Academy of Economic Studies and a widely recognized opinion leader in the field of economic journalism for over a decade, currently holds the position of Executive Director of the Romanian Banking Association (RBA).With over a decade of experience within the RBA, Gabriela Folcuț is responsible for the overall coordination of the Association's activities, implementing the RBA's Public Affairs Strategy and External Communication Strategy, and overseeing relations with internal and international stakeholders.

Gabriela Folcut

Executive Director

Romanian Banking Association (ARB)

Gabriela Folcuț, a graduate of the Faculty of Accounting within the Bucharest Academy of Economic Studies and a widely recognized opinion leader in the field of economic journalism for over a decade, currently holds the position of Executive Director of the Romanian Banking Association (RBA).With over a decade of experience within the RBA, Gabriela Folcuț is responsible for the overall coordination of the Association's activities, implementing the RBA's Public Affairs Strategy and External Communication Strategy, and overseeing relations with internal and international stakeholders.

Gabriela Folcut

Romanian Banking Association (ARB)
Executive Director
Gabriela Folcuț, a graduate of the Faculty of Accounting within the Bucharest Academy of Economic Studies and a widely recognized opinion leader in the field of economic journalism for over a decade, currently holds the position of Executive Director of the Romanian Banking Association (RBA).With over a decade of experience within the RBA, Gabriela Folcuț is responsible for the overall coordination of the Association’s activities, implementing the RBA’s Public Affairs Strategy and External Communication Strategy, and overseeing relations with internal and international stakeholders.

Alexandru Dobrev

National Bank of Romania

Head of Financial Market Infrastructures Oversight Division

Alexandru Dobrev

Head of Financial Market Infrastructures Oversight Division

National Bank of Romania

Alexandru Dobrev

National Bank of Romania
Head of Financial Market Infrastructures Oversight Division

Alexandru Bița

Libra Internet Bank S.A.

Chief Technology Innovation Officer

Alexandru Bita, based in Bucharest, Romania, is currently a Chief Technology Innovation Officer at Libra Internet Bank, bringing experience from previous roles at Libra Internet Bank and LibraPay.ro. Alexandru Bita holds a 2022 - 2022 Executive Education in Oxford Executive Leadership Programme at Saïd Business School, University of Oxford. With a robust skill set that includes Marketing Management, E Commerce, E Business, Banking, B2b and more, Alexandru Bita contributes valuable insights to the industry.

Alexandru Bița

Chief Technology Innovation Officer

Libra Internet Bank S.A.

Alexandru Bita, based in Bucharest, Romania, is currently a Chief Technology Innovation Officer at Libra Internet Bank, bringing experience from previous roles at Libra Internet Bank and LibraPay.ro. Alexandru Bita holds a 2022 - 2022 Executive Education in Oxford Executive Leadership Programme at Saïd Business School, University of Oxford. With a robust skill set that includes Marketing Management, E Commerce, E Business, Banking, B2b and more, Alexandru Bita contributes valuable insights to the industry.

Alexandru Bița

Libra Internet Bank S.A.
Chief Technology Innovation Officer
Alexandru Bita, based in Bucharest, Romania, is currently a Chief Technology Innovation Officer at Libra Internet Bank, bringing experience from previous roles at Libra Internet Bank and LibraPay.ro. Alexandru Bita holds a 2022 – 2022 Executive Education in Oxford Executive Leadership Programme at Saïd Business School, University of Oxford. With a robust skill set that includes Marketing Management, E Commerce, E Business, Banking, B2b and more, Alexandru Bita contributes valuable insights to the industry.

Ana Ionascu

Microsoft

Account Director

Experienced Sales Executive with a demonstrated history of working in IT industry. Skilled in Negotiation, Business Planning, Sales, Business Development, and Marketing Strategy. Strong sales professional with a Bachelor of Science (BS) focused in Economics Engineering from Universitatea „Politehnica” din București.

Ana Ionascu

Account Director

Microsoft

Experienced Sales Executive with a demonstrated history of working in IT industry. Skilled in Negotiation, Business Planning, Sales, Business Development, and Marketing Strategy. Strong sales professional with a Bachelor of Science (BS) focused in Economics Engineering from Universitatea „Politehnica” din București.

Ana Ionascu

Microsoft
Account Director

Experienced Sales Executive with a demonstrated history of working in IT industry. Skilled in Negotiation, Business Planning, Sales, Business Development, and Marketing Strategy. Strong sales professional with a Bachelor of Science (BS) focused in Economics Engineering from Universitatea „Politehnica” din București.

Ana Maria Georgescu

Smart Fintech

Cofounder & Member Romanian Fintech Association

Experienced Delivery Manager with a demonstrated history of working in the computer software industry. Skilled in Requirements Analysis, ITIL, Entreprise Integration, IT Service Management, and Pre-sales.

Ana Maria Georgescu

Cofounder & Member Romanian Fintech Association

Smart Fintech

Experienced Delivery Manager with a demonstrated history of working in the computer software industry. Skilled in Requirements Analysis, ITIL, Entreprise Integration, IT Service Management, and Pre-sales.

Ana Maria Georgescu

Smart Fintech
Cofounder & Member Romanian Fintech Association
Experienced Delivery Manager with a demonstrated history of working in the computer software industry. Skilled in Requirements Analysis, ITIL, Entreprise Integration, IT Service Management, and Pre-sales.

Anatolie Telchiji

UiPath

Sales Executive

Anatolie Telchiji, based in Romania, is currently a Sales Executive - EE at UiPath, bringing experience from previous roles at UiPath, PAC - A CXP Group Company, Microsoft and Oracle. Anatolie Telchiji holds a 2008 - 2013 Master's degree in Marketing - International Marketing at Academia de Studii Economice din București. With a robust skill set that includes Solution Selling, Account Management, CRM, Sales Process, Sales Operations and more, Anatolie Telchiji contributes valuable insights to the industry.

Anatolie Telchiji

Sales Executive

UiPath

Anatolie Telchiji, based in Romania, is currently a Sales Executive - EE at UiPath, bringing experience from previous roles at UiPath, PAC - A CXP Group Company, Microsoft and Oracle. Anatolie Telchiji holds a 2008 - 2013 Master's degree in Marketing - International Marketing at Academia de Studii Economice din București. With a robust skill set that includes Solution Selling, Account Management, CRM, Sales Process, Sales Operations and more, Anatolie Telchiji contributes valuable insights to the industry.

Anatolie Telchiji

UiPath
Sales Executive
Anatolie Telchiji, based in Romania, is currently a Sales Executive – EE at UiPath, bringing experience from previous roles at UiPath, PAC – A CXP Group Company, Microsoft and Oracle. Anatolie Telchiji holds a 2008 – 2013 Master’s degree in Marketing – International Marketing at Academia de Studii Economice din București. With a robust skill set that includes Solution Selling, Account Management, CRM, Sales Process, Sales Operations and more, Anatolie Telchiji contributes valuable insights to the industry.

Bogdan Pătru

Mastercard Romania & Croatia

Government Engagement Director

Bogdan Patru joined the Public Policy team in 2017, being responsible for coordinating for Mastercard Public Policy activities in Romania and Croatia (from 2020). In his work at Mastercard his main focus has been the reduction of shadow economy through electronic payments, promotion of financial inclusion and digitization both at national and local levels, enablement of smart city collaborations with local authorities, and public policy support for the topics of digital payments, anti-money laundering legislation and Digital ID.

Bogdan Pătru

Government Engagement Director

Mastercard Romania & Croatia

Bogdan Patru joined the Public Policy team in 2017, being responsible for coordinating for Mastercard Public Policy activities in Romania and Croatia (from 2020). In his work at Mastercard his main focus has been the reduction of shadow economy through electronic payments, promotion of financial inclusion and digitization both at national and local levels, enablement of smart city collaborations with local authorities, and public policy support for the topics of digital payments, anti-money laundering legislation and Digital ID.

Bogdan Pătru

Mastercard Romania & Croatia
Government Engagement Director
Bogdan Patru joined the Public Policy team in 2017, being responsible for coordinating for Mastercard Public Policy activities in Romania and Croatia (from 2020). In his work at Mastercard his main focus has been the reduction of shadow economy through electronic payments, promotion of financial inclusion and digitization both at national and local levels, enablement of smart city collaborations with local authorities, and public policy support for the topics of digital payments, anti-money laundering legislation and Digital ID.

Claudiu Negrea

National Bank of Romania

Deputy Director of Financial Market Infrastructures and Payments Oversight Department

Claudiu Negrea serves as the Deputy Director of the Financial Market Infrastructures and Payments Oversight Department at the National Bank of Romania. In his 15 years at the central bank, he has been specializing in the monitoring of financial market infrastructures. Alongside his responsibilities at the bank, he is advancing his academic pursuit as a PhD candidate within the Romanian Academy, specializing in operational and security risks analysis. His deep understanding of financial infrastructures is crucial in his extensive work within the bank.

In his capacity as the coordinator of the Critical Infrastructures Protection Committee, Claudiu leads efforts to ensure the cooperation of all responsible parties for the protection of Romania's essential financial services against various risks and threats. 

Claudiu Negrea

Deputy Director of Financial Market Infrastructures and Payments Oversight Department

National Bank of Romania

Claudiu Negrea serves as the Deputy Director of the Financial Market Infrastructures and Payments Oversight Department at the National Bank of Romania. In his 15 years at the central bank, he has been specializing in the monitoring of financial market infrastructures. Alongside his responsibilities at the bank, he is advancing his academic pursuit as a PhD candidate within the Romanian Academy, specializing in operational and security risks analysis. His deep understanding of financial infrastructures is crucial in his extensive work within the bank.

In his capacity as the coordinator of the Critical Infrastructures Protection Committee, Claudiu leads efforts to ensure the cooperation of all responsible parties for the protection of Romania's essential financial services against various risks and threats. 

Claudiu Negrea

National Bank of Romania
Deputy Director of Financial Market Infrastructures and Payments Oversight Department

Claudiu Negrea serves as the Deputy Director of the Financial Market Infrastructures and Payments Oversight Department at the National Bank of Romania. In his 15 years at the central bank, he has been specializing in the monitoring of financial market infrastructures. Alongside his responsibilities at the bank, he is advancing his academic pursuit as a PhD candidate within the Romanian Academy, specializing in operational and security risks analysis. His deep understanding of financial infrastructures is crucial in his extensive work within the bank.

In his capacity as the coordinator of the Critical Infrastructures Protection Committee, Claudiu leads efforts to ensure the cooperation of all responsible parties for the protection of Romania’s essential financial services against various risks and threats. 

Cosmin Curticăpean

iFactor

Executive Entrepreneur

 Cosmin Curticapean is the Executive Entrepreneur of iFactor, the first official invoice trading and SME multi financing Platform in Romania with ambitious plans to expand in the CEE region. The company that aims to revolutionize the way businesses access their funds by providing efficient factoring solutions. With a team of experienced professionals in software, deep tech, finance, and legal domains, Curticapean strives to empower businesses and contribute to the overall growth of the economy.

As a Board member and Vice President at TechAngels Romania, he plays a crucial role in supporting and guiding the growth of innovative tech startups. Additionally, as a Board Member of the Romanian Fintech Association, Curticapean actively contributes to the development and advancement of the fintech industry in Romania.

Furthermore, as a Mentor at the Founder Institute, Curticapean shares his knowledge and insights with aspiring entrepreneurs, helping them refine their revenue models, develop growth strategies, and shape their overall business direction.

With over 27 years of experience, Curticapean is also a Co-Founder of Dox Group, a software development company that serves as a strategic offshore partner for global organizations. Dox Group specializes in developing complex applications across various domains, ranging from utilities to enterprise back-end structures.

Cosmin Curticăpean

Executive Entrepreneur

iFactor

 Cosmin Curticapean is the Executive Entrepreneur of iFactor, the first official invoice trading and SME multi financing Platform in Romania with ambitious plans to expand in the CEE region. The company that aims to revolutionize the way businesses access their funds by providing efficient factoring solutions. With a team of experienced professionals in software, deep tech, finance, and legal domains, Curticapean strives to empower businesses and contribute to the overall growth of the economy.

As a Board member and Vice President at TechAngels Romania, he plays a crucial role in supporting and guiding the growth of innovative tech startups. Additionally, as a Board Member of the Romanian Fintech Association, Curticapean actively contributes to the development and advancement of the fintech industry in Romania.

Furthermore, as a Mentor at the Founder Institute, Curticapean shares his knowledge and insights with aspiring entrepreneurs, helping them refine their revenue models, develop growth strategies, and shape their overall business direction.

With over 27 years of experience, Curticapean is also a Co-Founder of Dox Group, a software development company that serves as a strategic offshore partner for global organizations. Dox Group specializes in developing complex applications across various domains, ranging from utilities to enterprise back-end structures.

Cosmin Curticăpean

iFactor
Executive Entrepreneur

 Cosmin Curticapean is the Executive Entrepreneur of iFactor, the first official invoice trading and SME multi financing Platform in Romania with ambitious plans to expand in the CEE region. The company that aims to revolutionize the way businesses access their funds by providing efficient factoring solutions. With a team of experienced professionals in software, deep tech, finance, and legal domains, Curticapean strives to empower businesses and contribute to the overall growth of the economy.

As a Board member and Vice President at TechAngels Romania, he plays a crucial role in supporting and guiding the growth of innovative tech startups. Additionally, as a Board Member of the Romanian Fintech Association, Curticapean actively contributes to the development and advancement of the fintech industry in Romania.

Furthermore, as a Mentor at the Founder Institute, Curticapean shares his knowledge and insights with aspiring entrepreneurs, helping them refine their revenue models, develop growth strategies, and shape their overall business direction.

With over 27 years of experience, Curticapean is also a Co-Founder of Dox Group, a software development company that serves as a strategic offshore partner for global organizations. Dox Group specializes in developing complex applications across various domains, ranging from utilities to enterprise back-end structures.

Cosmin Tudor

HTSS

Engagement Director

With a solid background in digital transformation initiatives and a track record of successful achievements, Cosmin brings a wealth of experience in project management, performance management, sales and pre-sales.

Cosmin Tudor

Engagement Director

HTSS

With a solid background in digital transformation initiatives and a track record of successful achievements, Cosmin brings a wealth of experience in project management, performance management, sales and pre-sales.

Cosmin Tudor

HTSS
Engagement Director
With a solid background in digital transformation initiatives and a track record of successful achievements, Cosmin brings a wealth of experience in project management, performance management, sales and pre-sales.

Ph.D. Dan Costin Nitescu

National Bank of Romania

Senior Advisor to the Governor

Dan Costin Nițescu holds the position of Senior Advisor to the Governor of the National Bank of Romania and acts as a member of the Supervisory Board and chairperson of the Audit Committee of the Bank Deposit Guarantee Fund. Dan Costin is Professor in the Department of Money and Banking, within the Faculty of Finance and Banking, Bucharest University of Economic Studies. He holds a PhD. in Economics, specialization in Finance, a degree in Financial Management from Open University Business School, UK, is author of articles and books on finance and banking. His professional background includes various management positions both in the central bank and in commercial banks.

Throughout his career, he integrated and combined teaching and research activities with practical banking activity, where he coordinated financing transactions, structured banking products for a variety of projects and industries. His research interests include: management, risk management and corporate governance in banking, digitalization of financial services, Fintech and payment systems, sustainable banking.

Ph.D. Dan Costin Nitescu

Senior Advisor to the Governor

National Bank of Romania

Dan Costin Nițescu holds the position of Senior Advisor to the Governor of the National Bank of Romania and acts as a member of the Supervisory Board and chairperson of the Audit Committee of the Bank Deposit Guarantee Fund. Dan Costin is Professor in the Department of Money and Banking, within the Faculty of Finance and Banking, Bucharest University of Economic Studies. He holds a PhD. in Economics, specialization in Finance, a degree in Financial Management from Open University Business School, UK, is author of articles and books on finance and banking. His professional background includes various management positions both in the central bank and in commercial banks.

Throughout his career, he integrated and combined teaching and research activities with practical banking activity, where he coordinated financing transactions, structured banking products for a variety of projects and industries. His research interests include: management, risk management and corporate governance in banking, digitalization of financial services, Fintech and payment systems, sustainable banking.

Ph.D. Dan Costin Nitescu

National Bank of Romania
Senior Advisor to the Governor

Dan Costin Nițescu holds the position of Senior Advisor to the Governor of the National Bank of Romania and acts as a member of the Supervisory Board and chairperson of the Audit Committee of the Bank Deposit Guarantee Fund. Dan Costin is Professor in the Department of Money and Banking, within the Faculty of Finance and Banking, Bucharest University of Economic Studies. He holds a PhD. in Economics, specialization in Finance, a degree in Financial Management from Open University Business School, UK, is author of articles and books on finance and banking. His professional background includes various management positions both in the central bank and in commercial banks.

Throughout his career, he integrated and combined teaching and research activities with practical banking activity, where he coordinated financing transactions, structured banking products for a variety of projects and industries. His research interests include: management, risk management and corporate governance in banking, digitalization of financial services, Fintech and payment systems, sustainable banking.

Dana Dima

BCR

Executive Vice President Retail and Private Banking

Dana has an experience of over 24 years in Retail banking. She is member of the Management Board – Retail & Private Banking Executive Vice-president – for BCR Erste Group, Chairman of BCR Pensii SAFPP S.A. Supervisory Board, member of BCR Payments Services S.R.L. Board of Directors and member of the Credit Bureau of Romania Board of Directors. She believes in the power of innovation in banking as the main driver for evolution. She holds: a master’s degree obtained in 2003 at the National School for Postgraduates Studies, in partnership with « Conservatoire National des Arts et Métiers », Paris, a master’s degree in economics at the Bucharest Academy of Economic Studies (2003) and a license as a Diplomat Engineer at Politehnica University – Faculty of Automatics and Computer Sciences– Bucharest (1996).

Dana Dima

Executive Vice President Retail and Private Banking

BCR

Dana has an experience of over 24 years in Retail banking. She is member of the Management Board – Retail & Private Banking Executive Vice-president – for BCR Erste Group, Chairman of BCR Pensii SAFPP S.A. Supervisory Board, member of BCR Payments Services S.R.L. Board of Directors and member of the Credit Bureau of Romania Board of Directors. She believes in the power of innovation in banking as the main driver for evolution. She holds: a master’s degree obtained in 2003 at the National School for Postgraduates Studies, in partnership with « Conservatoire National des Arts et Métiers », Paris, a master’s degree in economics at the Bucharest Academy of Economic Studies (2003) and a license as a Diplomat Engineer at Politehnica University – Faculty of Automatics and Computer Sciences– Bucharest (1996).

Dana Dima

BCR
Executive Vice President Retail and Private Banking
Dana has an experience of over 24 years in Retail banking. She is member of the Management Board – Retail & Private Banking Executive Vice-president – for BCR Erste Group, Chairman of BCR Pensii SAFPP S.A. Supervisory Board, member of BCR Payments Services S.R.L. Board of Directors and member of the Credit Bureau of Romania Board of Directors. She believes in the power of innovation in banking as the main driver for evolution. She holds: a master’s degree obtained in 2003 at the National School for Postgraduates Studies, in partnership with « Conservatoire National des Arts et Métiers », Paris, a master’s degree in economics at the Bucharest Academy of Economic Studies (2003) and a license as a Diplomat Engineer at Politehnica University – Faculty of Automatics and Computer Sciences– Bucharest (1996).

Diederik Bruggink

ESBG

Head of Payments, Digital Finance and Innovation, European Savings and Retail Banking Group

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is a Member of the Board of the European Payments Council and he is a member of the Commission’s Payments Systems Market Expert Group and the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Diederik Bruggink

Head of Payments, Digital Finance and Innovation, European Savings and Retail Banking Group

ESBG

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is a Member of the Board of the European Payments Council and he is a member of the Commission’s Payments Systems Market Expert Group and the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Diederik Bruggink

ESBG
Head of Payments, Digital Finance and Innovation, European Savings and Retail Banking Group
Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is a Member of the Board of the European Payments Council and he is a member of the Commission’s Payments Systems Market Expert Group and the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.

Dorian Petrovici

Banca Transilvania

Coordinating Manager Retail Cards, Projects & Data Analysis

Dorian Petrovici, based in Cluj-Napoca, CJ, RO, is currently a Director, Head of Retail Projects and Data Analysis at Banca Transilvania, bringing experience from previous roles at Banca Transilvania. Dorian Petrovici holds a 1999 - 2004 Bachelor's degree in Electrical and Electronics Engineering @ Technical University of Cluj-Napoca. With a robust skill set that includes Credit Cards, Financial Reporting, Financial Analysis, Banking, Project Management and more, Dorian Petrovici contributes valuable insights to the industry. Dorian Petrovici has 3 emails on RocketReach.

Dorian Petrovici

Coordinating Manager Retail Cards, Projects & Data Analysis

Banca Transilvania

Dorian Petrovici, based in Cluj-Napoca, CJ, RO, is currently a Director, Head of Retail Projects and Data Analysis at Banca Transilvania, bringing experience from previous roles at Banca Transilvania. Dorian Petrovici holds a 1999 - 2004 Bachelor's degree in Electrical and Electronics Engineering @ Technical University of Cluj-Napoca. With a robust skill set that includes Credit Cards, Financial Reporting, Financial Analysis, Banking, Project Management and more, Dorian Petrovici contributes valuable insights to the industry. Dorian Petrovici has 3 emails on RocketReach.

Dorian Petrovici

Banca Transilvania
Coordinating Manager Retail Cards, Projects & Data Analysis
Dorian Petrovici, based in Cluj-Napoca, CJ, RO, is currently a Director, Head of Retail Projects and Data Analysis at Banca Transilvania, bringing experience from previous roles at Banca Transilvania. Dorian Petrovici holds a 1999 – 2004 Bachelor’s degree in Electrical and Electronics Engineering @ Technical University of Cluj-Napoca. With a robust skill set that includes Credit Cards, Financial Reporting, Financial Analysis, Banking, Project Management and more, Dorian Petrovici contributes valuable insights to the industry. Dorian Petrovici has 3 emails on RocketReach.

Ester Botica Alonso

European Banking Authority (EBA)

Policy Officer, Digital Finance Unit

Ester Botica Alonso

Policy Officer, Digital Finance Unit

European Banking Authority (EBA)

Ester Botica Alonso

European Banking Authority (EBA)
Policy Officer, Digital Finance Unit

Frans van Bruggen

De Nederlandsche Bank (DNB)

Senior Policy Advisor Fintech & AI

Frans van Bruggen, based in Amsterdam, North Holland, Netherlands, is currently a Senior Policy officer FinTech and Artificial Intelligence at De Nederlandsche Bank, bringing experience from previous roles at Tijdschrift voor Toezicht, Nederlandse Zorgautoriteit (NZa), Randstad Innovation Fund and Randstad. Frans van Bruggen holds a 2020 - 2024 Doctor of Philosophy (PhD) in Effectiviteit en legitimiteit van toezichthouders @ Nederlandse School voor Openbaar Bestuur, NSOB. With a robust skill set that includes Analysis, Investments, Business Strategy, Financial Analysis, Management and more, Frans van Bruggen contributes valuable insights to the industry.

Frans van Bruggen

Senior Policy Advisor Fintech & AI

De Nederlandsche Bank (DNB)

Frans van Bruggen, based in Amsterdam, North Holland, Netherlands, is currently a Senior Policy officer FinTech and Artificial Intelligence at De Nederlandsche Bank, bringing experience from previous roles at Tijdschrift voor Toezicht, Nederlandse Zorgautoriteit (NZa), Randstad Innovation Fund and Randstad. Frans van Bruggen holds a 2020 - 2024 Doctor of Philosophy (PhD) in Effectiviteit en legitimiteit van toezichthouders @ Nederlandse School voor Openbaar Bestuur, NSOB. With a robust skill set that includes Analysis, Investments, Business Strategy, Financial Analysis, Management and more, Frans van Bruggen contributes valuable insights to the industry.

Frans van Bruggen

De Nederlandsche Bank (DNB)
Senior Policy Advisor Fintech & AI
Frans van Bruggen, based in Amsterdam, North Holland, Netherlands, is currently a Senior Policy officer FinTech and Artificial Intelligence at De Nederlandsche Bank, bringing experience from previous roles at Tijdschrift voor Toezicht, Nederlandse Zorgautoriteit (NZa), Randstad Innovation Fund and Randstad. Frans van Bruggen holds a 2020 – 2024 Doctor of Philosophy (PhD) in Effectiviteit en legitimiteit van toezichthouders @ Nederlandse School voor Openbaar Bestuur, NSOB. With a robust skill set that includes Analysis, Investments, Business Strategy, Financial Analysis, Management and more, Frans van Bruggen contributes valuable insights to the industry.

Gabriel Tănase

KPMG Romania

Partner, Technology & Cyber Security

Gabriel Mihai Tănase, Partner, Technology & Cyber Security, manages KPMG’s tech and cyber security services, one of the most dynamic and complex fields in Romania. Gabriel has overseen projects in all industries, including in telecommunications and finance, for national and international companies and groups, as well as within KPMG in Romania as IT Director and coordinator for cyber security. Gabriel has several specialized certifications, including CISA. He is a member of ISACA, as well as holding other technical certifications for his area of expertise, and is one of the most qualified and experienced specialists in Romania.

Gabriel Tănase

Partner, Technology & Cyber Security

KPMG Romania

Gabriel Mihai Tănase, Partner, Technology & Cyber Security, manages KPMG’s tech and cyber security services, one of the most dynamic and complex fields in Romania. Gabriel has overseen projects in all industries, including in telecommunications and finance, for national and international companies and groups, as well as within KPMG in Romania as IT Director and coordinator for cyber security. Gabriel has several specialized certifications, including CISA. He is a member of ISACA, as well as holding other technical certifications for his area of expertise, and is one of the most qualified and experienced specialists in Romania.

Gabriel Tănase

KPMG Romania
Partner, Technology & Cyber Security
Gabriel Mihai Tănase, Partner, Technology & Cyber Security, manages KPMG’s tech and cyber security services, one of the most dynamic and complex fields in Romania. Gabriel has overseen projects in all industries, including in telecommunications and finance, for national and international companies and groups, as well as within KPMG in Romania as IT Director and coordinator for cyber security. Gabriel has several specialized certifications, including CISA. He is a member of ISACA, as well as holding other technical certifications for his area of expertise, and is one of the most qualified and experienced specialists in Romania.

Jochen Metzger

NowCM

Global Head of Markets

Global Head of Markets at NowCM and CEO of NowCM France SA, combining 10 years of capital market experience with more than 20 years of experience in all matters of payments, clearing & settlement and banking operations at large, mixing the National, European and Global view; Policy and Strategy Advisor, Manager, former Senior Officer and retired President of the Regional Office in North Rhine-Westphalia at Deutsche Bundesbank.

Jochen Metzger

Global Head of Markets

NowCM

Global Head of Markets at NowCM and CEO of NowCM France SA, combining 10 years of capital market experience with more than 20 years of experience in all matters of payments, clearing & settlement and banking operations at large, mixing the National, European and Global view; Policy and Strategy Advisor, Manager, former Senior Officer and retired President of the Regional Office in North Rhine-Westphalia at Deutsche Bundesbank.

Jochen Metzger

NowCM
Global Head of Markets
Global Head of Markets at NowCM and CEO of NowCM France SA, combining 10 years of capital market experience with more than 20 years of experience in all matters of payments, clearing & settlement and banking operations at large, mixing the National, European and Global view; Policy and Strategy Advisor, Manager, former Senior Officer and retired President of the Regional Office in North Rhine-Westphalia at Deutsche Bundesbank.

Mariana Figueiras

DG FISMA, European Commission

PSD Team Member

Mariana Figueiras

PSD Team Member

DG FISMA, European Commission

Mariana Figueiras

DG FISMA, European Commission
PSD Team Member

Niklas Sandqvist

European Digital Finance Association

Co-Secretary General

Niklas had been working with innovation within the financial service industry for 25 years, and is currently VP Stakeholder Relations at Aera Payment & Identification AS. With the advent of PSD2 and its increased focus on innovation, new opportunities were created within digital finance. Aera was founded by tier-1 retailers set on leveraging this opportunity, and Niklas joined as one of Aera’s first team members. As a part of Aera, he co-founded Fintech Norway and is currently holding several positions in the retail- and fintech industry organisations across the continent. Long experience in working with a diversity of stakeholders gives Niklas a strong ability to cater for multi-stakeholder perspectives, and through this build trust and create engagement when breaking new ground through collaborative action.

Niklas Sandqvist

Co-Secretary General

European Digital Finance Association

Niklas had been working with innovation within the financial service industry for 25 years, and is currently VP Stakeholder Relations at Aera Payment & Identification AS. With the advent of PSD2 and its increased focus on innovation, new opportunities were created within digital finance. Aera was founded by tier-1 retailers set on leveraging this opportunity, and Niklas joined as one of Aera’s first team members. As a part of Aera, he co-founded Fintech Norway and is currently holding several positions in the retail- and fintech industry organisations across the continent. Long experience in working with a diversity of stakeholders gives Niklas a strong ability to cater for multi-stakeholder perspectives, and through this build trust and create engagement when breaking new ground through collaborative action.

Niklas Sandqvist

European Digital Finance Association
Co-Secretary General
Niklas had been working with innovation within the financial service industry for 25 years, and is currently VP Stakeholder Relations at Aera Payment & Identification AS. With the advent of PSD2 and its increased focus on innovation, new opportunities were created within digital finance. Aera was founded by tier-1 retailers set on leveraging this opportunity, and Niklas joined as one of Aera’s first team members. As a part of Aera, he co-founded Fintech Norway and is currently holding several positions in the retail- and fintech industry organisations across the continent. Long experience in working with a diversity of stakeholders gives Niklas a strong ability to cater for multi-stakeholder perspectives, and through this build trust and create engagement when breaking new ground through collaborative action.

Raluca Micu

National Bank of Romania

Head of Payments Oversight Division

Raluca Micu has 13 years of experience in the financial-banking field, since January 2010 being part of the BNR team. She currently leads the Payments Oversight Division.

She is also the representative of the National Bank of Romania at the meetings organized at the level of the Council of the European Union and the European Commission regarding European legislative projects in the field of payments (e.g. EU Regulation no. 751/2015 on multilateral interbank commissions applied to card-based payment operations, amending EU Regulation No. 924/2009 on cross-border payments, the Revised Payment Services Directive).

 

Raluca Micu

Head of Payments Oversight Division

National Bank of Romania

Raluca Micu has 13 years of experience in the financial-banking field, since January 2010 being part of the BNR team. She currently leads the Payments Oversight Division.

She is also the representative of the National Bank of Romania at the meetings organized at the level of the Council of the European Union and the European Commission regarding European legislative projects in the field of payments (e.g. EU Regulation no. 751/2015 on multilateral interbank commissions applied to card-based payment operations, amending EU Regulation No. 924/2009 on cross-border payments, the Revised Payment Services Directive).

 

Raluca Micu

National Bank of Romania
Head of Payments Oversight Division

Raluca Micu has 13 years of experience in the financial-banking field, since January 2010 being part of the BNR team. She currently leads the Payments Oversight Division.

She is also the representative of the National Bank of Romania at the meetings organized at the level of the Council of the European Union and the European Commission regarding European legislative projects in the field of payments (e.g. EU Regulation no. 751/2015 on multilateral interbank commissions applied to card-based payment operations, amending EU Regulation No. 924/2009 on cross-border payments, the Revised Payment Services Directive).

 

Răzvan Faer

TRANSFOND

Head of Marketing & Strategy

Experienced Chief Marketing Officer with a demonstrated history of working in the financial services industry. Strong business development professional skilled in Negotiation, Single Euro Payments Area (SEPA), Business Planning, Management, and Project Portfolio Management.

Răzvan Faer

Head of Marketing & Strategy

TRANSFOND

Experienced Chief Marketing Officer with a demonstrated history of working in the financial services industry. Strong business development professional skilled in Negotiation, Single Euro Payments Area (SEPA), Business Planning, Management, and Project Portfolio Management.

Răzvan Faer

TRANSFOND
Head of Marketing & Strategy
Experienced Chief Marketing Officer with a demonstrated history of working in the financial services industry. Strong business development professional skilled in Negotiation, Single Euro Payments Area (SEPA), Business Planning, Management, and Project Portfolio Management.

Răzvan Popescu

Elemental Solution Center

Fintech Startups Strategy Advisor

Intelligent automation evangelist with extensive experience in managing large automation programs for global clients. Razvan leads wavespace satellite Bucharest and is also the leader of the Intelligent automation Center of Excellence in Romania, he has been with EY for the past 12 years, right after earning a BSc in Computer Science from the Academy of Economic Studies.

Răzvan Popescu

Fintech Startups Strategy Advisor

Elemental Solution Center

Intelligent automation evangelist with extensive experience in managing large automation programs for global clients. Razvan leads wavespace satellite Bucharest and is also the leader of the Intelligent automation Center of Excellence in Romania, he has been with EY for the past 12 years, right after earning a BSc in Computer Science from the Academy of Economic Studies.

Răzvan Popescu

Elemental Solution Center
Fintech Startups Strategy Advisor
Intelligent automation evangelist with extensive experience in managing large automation programs for global clients. Razvan leads wavespace satellite Bucharest and is also the leader of the Intelligent automation Center of Excellence in Romania, he has been with EY for the past 12 years, right after earning a BSc in Computer Science from the Academy of Economic Studies.

Răzvan Vartolomei

National Bank of Romania

Director Payments Department

Răzvan Vartolomei

Director Payments Department

National Bank of Romania

Răzvan Vartolomei

National Bank of Romania
Director Payments Department

Șerban Raul

Orange Romania

Information Security Manager

Cybersecurity expert began his career as an engineer and was enriched by relevant certifications, a master's degree, and a doctorate in computer science, he has over 10 years of experience in cybersecurity and more than 20 years in IT. Experience in developing and implementing security strategies for various companies, holding diverse management roles in IT and cybersecurity, currently serving as the Chief Information Security Officer (CISO) at Orange Romania.

Șerban Raul

Information Security Manager

Orange Romania

Cybersecurity expert began his career as an engineer and was enriched by relevant certifications, a master's degree, and a doctorate in computer science, he has over 10 years of experience in cybersecurity and more than 20 years in IT. Experience in developing and implementing security strategies for various companies, holding diverse management roles in IT and cybersecurity, currently serving as the Chief Information Security Officer (CISO) at Orange Romania.

Șerban Raul

Orange Romania
Information Security Manager
Cybersecurity expert began his career as an engineer and was enriched by relevant certifications, a master’s degree, and a doctorate in computer science, he has over 10 years of experience in cybersecurity and more than 20 years in IT. Experience in developing and implementing security strategies for various companies, holding diverse management roles in IT and cybersecurity, currently serving as the Chief Information Security Officer (CISO) at Orange Romania.

Viorel Vasile

SALT Bank

Director Cards Management Division

Viorel Vasile, based in Romania, is currently a Director - Cards Management Division at Salt Bank, bringing experience from previous roles at Idea Bank, Alpha Bank Romania and BRD - Groupe Societe Generale. Viorel Vasile holds a 2022 - 2024 Executive MBA in Business Administration and Management, General @ ASEBUSS Business School. With a robust skill set that includes Banking, Business Planning, Negotiation, Management, Marketing Strategy and more, Viorel Vasile contributes valuable insights to the industry. Viorel Vasile has 3 emails on RocketReach.

Viorel Vasile

Director Cards Management Division

SALT Bank

Viorel Vasile, based in Romania, is currently a Director - Cards Management Division at Salt Bank, bringing experience from previous roles at Idea Bank, Alpha Bank Romania and BRD - Groupe Societe Generale. Viorel Vasile holds a 2022 - 2024 Executive MBA in Business Administration and Management, General @ ASEBUSS Business School. With a robust skill set that includes Banking, Business Planning, Negotiation, Management, Marketing Strategy and more, Viorel Vasile contributes valuable insights to the industry. Viorel Vasile has 3 emails on RocketReach.

Viorel Vasile

SALT Bank
Director Cards Management Division
Viorel Vasile, based in Romania, is currently a Director – Cards Management Division at Salt Bank, bringing experience from previous roles at Idea Bank, Alpha Bank Romania and BRD – Groupe Societe Generale. Viorel Vasile holds a 2022 – 2024 Executive MBA in Business Administration and Management, General @ ASEBUSS Business School. With a robust skill set that includes Banking, Business Planning, Negotiation, Management, Marketing Strategy and more, Viorel Vasile contributes valuable insights to the industry. Viorel Vasile has 3 emails on RocketReach.

Official Partners

Lead Partner

Mastercard is a technology company in the global payments industry. Our mission is to generate and develop an all-encompassing digital economy that offers secure, simple, smart, and accessible transactions, for the benefit of everyone, everywhere. Through secure data transfer and impenetrable networks, through partnerships and with passion, our innovations and solutions enable individuals, financial institutions, governments, and companies to reach their maximum potential. Our connections span over 210 countries and territories, building a sustainable world that provides everyone access to priceless possibilities.

Support partners

Libra Bank is a prominent financial institution offering a range of banking and investment services. Renowned for its commitment to excellence and customer satisfaction, Libra Bank provides individuals and businesses with tailored financial solutions to meet their diverse needs. With a focus on innovation and reliability, Libra Bank stands as a trusted partner in the financial industry.

Envía IT is a software development company dedicated to providing intelligent technological solutions for various sectors. Our flagship product, Nudato, combines event management with CRM functionality, allowing businesses to efficiently manage events, contacts, and related data. We focus on innovation, technical excellence, and customer satisfaction, offering versatile and comprehensive solutions to address business challenges and drive success.

Orange Company is a multinational telecommunications corporation renowned for its innovative services and expansive global reach. With a focus on providing cutting-edge solutions in mobile, internet, and digital services, Orange Company continuously evolves to meet the dynamic needs of its customers worldwide.

In collaboration with

WHY PARTNER WITH US?

Build relationships | Gain awareness | Join the conversation
VISIBILITY

Put your organization at the forefront of leaders in the
payments industry through active participation in Forum
activities, and meetings and through the organization’s
outreach efforts.

INFLUENCE

Create opportunities for strategic conversations with an
elite group of European leading bankers, decision
makers and financial experts

NETWORKING

Build strong relationships with some of the most
influential financial institutions in the world.

BUSINESS AND INDUSTRY OUTREACH

Position your brand as a thought leader, solutions
provider or partner

ADVANCE KNOWLEDGE

Gain special insights from new and veteran leaders both
from the public and private sectors.

VENUE

National Bank of Romania Headquarters

Street Doamnei, 8
Bucharest, 030167
Romania

VENUE

National Bank of Romania Headquarters

Street Doamnei, 8
Bucharest, 030167
Romania

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