• Fintech Innovation 2017 - Reinhard Höll

  • Fintech Innovation 2017 - Jim Mortimer

  • Fintech Innovation 2017

  • Fintech Innovation 2017 - Lu Zurawski

  • Fintech Innovation 2017 - Róbert Kiszely

  • Fintech Innovation 2017 - Mike Banyard

  • Fintech Innovation 2017 - Roundtable discussion

  • Fintech Innovation 2017

  • Fintech Innovation 2017 - László Balogh

  • Fintech Innovation 2017 - Marten Nelson

  • Fintech Innovation 2017 - Domenico Scaffidi

László Baloghdeputy secretary of state, Ministry for National Economy

Mr. László Balogh is Deputy State Secretary, responsible for Financial Policy Affairs at the Ministry for National Economy (January 2014- ). He is member both the EU and the OECD Economic Policy Committees, and the Financial Stability Board’s Regional Group in Europe.
Formerly he was working with the Hungarian Financial Supervisory Authority (HFSA) at the post of Vice President, responsible for Supervisory Policy, Risk Analysis, Regulation, International Affairs and Financial Consumer Policy, (2010-2013). He also had a supervisory background from an earlier time, he was Managing Director at the HFSA, between 2001 and 2004.
He spent more than five years at Magyar Nemzeti Bank as Senior Advisor in International Affairs (2005-2010), dealing mostly with EU and payment system issues.
Back in 2001 he was appointed Government Commissioner for Anti Money Laundering Policy, to coordinate the reform of the Hungarian AML regime until 2013.
He spent most of the 1990’s in Paris first as Counselor (1991-1993), than Minister Plenipotentiary, Negotiator in Chief for Hungary’s OECD Accession, (1994-1996) and later as Ambassador, Permanent Representative of Hungary to the OECD,  (1996-1999).
He has written into a number of books and publications, for example the    
•    Handbook of Central Banking and Financial Authorities in Europe, London 2005, (Author of one chapter)
•    Aligning Financial Supervisory Structures with Country Needs, (Author of one chapter), World Bank, Washington D.C, 2004.
•    Magyarország 20 éve az OECD-ben (Hungary’s Twenty years in the OECD) (co-author), Budapest, 2016.

Ferenc Böle
OTP Bank, IT Project Management and Methodology Directorate

Ferenc has started his career in 2001 at Ernst&Young and started to work in the banking industry in 2005 at K&H Bank. Then he was working for Ness Hungary as senior consultant,  and CIB Bank where he led IT Development before he joined OTP Bank in 2015.
He has solid experience in project management and banking IT architecture, and now is responsible for the project portfolio and strategic IT initiatives at OTP Bank.

dr. József Czimer

Jozsef started his career in the National Bank of Hungary working in international money market operations. Later he joined the regulations department where he had the opportunity to manage a considerable part of the country’s banking devolution reform by organizing the handing over of foreign currency operations by the National Bank to the new commercial banks.
Still as a regulator he started to deal with bank card operations. Later, as a deputy CEO of the new IBUSZ Bank he had the opportunity to manage the country’s then largest card acivity.  Having an innovator’s view he started to deal with e-money operations already in the 1990s by exploring possibilities. Later he became to be an expert of this subject lecturing in the Central Europen University on it and advising several companies including the Hungarian Post and SenseNet Ltd. The latter later became to be the issuer of the first and only Hungarian e-money, Barion. Applying his expertise Jozsef took part in the working out of the European E-money Directive as well.
In 2010 as the CEO of HFR, Budapest he started to work on a kiosk based payment system which was implemented in 2013 in the country. Having successfully finished the project he moved to London to manage Intersoft London Office working together with VocaLink on different projects including the marketing of the Immediate Payments System and mobile payment systems based on the instant payment solution.
For the time being he is the manager of the Capsys Informatics London Office and responsible for instant payments services professionaly and also for the VocaLink and ACI Worldwide partner relationships.

Domenico ScaffidiPrincipal Solution Consultant Immediate Payments, ACI Worldwide (EMEA) Ltd

Having Joined ACI in 2016, he is performing the strategic role of Principal Consultant Immediate Payment, supporting the ACI’s worldwide and European Financial Institutions in the Instant Payments field, in the Cross-Board Payments, in the Liquidity and Settlement Management and helping Banks and PSPs building their Instant Payments business case.

Former experiences and WGs:
Head of Payment Systems and International Business Applications Department constituted by 50 employees, supporting the Cooperative Banks Payment Business Unit, developing, promoting all initiatives related to Payments Applications, Payment Regulation and foreign business, accountable for delivering the current products and future developments specifically aimed at increasing the presence in International markets

  • Italian Banks representative at the ”EBF TARGET2 Working Group” - European Central Bank – TWG Frankfurt
  • Member of the European Payment Council – Brussels
  • Italian Banks Representative at EBA STEP1 and Euro1 UAG – Paris/Brussels
  • Italian Banks Representative at EBA STEP2 BWG - Paris
  • European STEP1 Banks representative at EBA OTC UAG - Brussels
  • European Association of Co-operative Banks Member – Brussels (EACB)
  • Future Development Group EBA STEP 1 Member – Paris.

László HankissMember of the Board of Directors and Deputy Chief Executive Officer of GRÁNIT Bank Strategy and Analysis Directorate

He earned his Master’s degree at the Budapest University of Economic Sciences and Public Administration in 2000. He started to work at the Ministry of Economics as macro analyst. In 2002 he joined OTP Bank Plc. as advisor of the Managing Director of Retail Directorate. During that time he completed the Bank Management Program of International Training Centre for Bankers. From 2007 he was assigned to head the International Retail Coordination Department: he was coordinating and supporting the integration and development of OTP Bank’s eight foreign subsidiaries in retail banking business line focusing on key areas as strategy, business development and risk management.
In 2010 he joined GRÁNIT Bank and he is taking active part in the development of an innovative and successful digital bank.

László IpacsHead of Payments and Banking Operation Support, Unicredit Bank Hungary Zrt.

2013    Unicredit Bank Hungary Zrt. – Head of Payments and Banking Operation Support
Main tasks are:
- Ensure the proper working method of payment areas – card, domestic payments, foreign payments, cash transactions
- Management of payment related projects
- Monitoring of processes and implementing of efficiency improvement measures
- Management of official requests
2009    UniCredit Bank Hungary Zrt. - Head of  Business Administration Support main department.
Main tasks are:
-    Professional management of the main department
-    Keep contact between the Business and BO areas
-    Clearing the working profile both of the Business and BO areas
2001    UniCredit Bank Hungary Zrt. (Before the merger in 2006: HVB Bank Hungary Rt.) - Head of Domestic Payments department
Main tasks are:
-    Professional management of department
-    Handling the Centralization of Back office activities
-    Management of developments focusing mainly to efficiency rate
-    Keep contact the external partners
1998    HypoVereinsbank Hungária Rt. head of Domestic Payments and Disposition departments
Main tasks are:
-    Professional management of department
-    Raising the service standards
-    Establish up to date processes concerning to payments
1997     Creditanstalt Rt. head of Domestic Payments Department
1992     Creditanstalt Rt. Domestic Payments Department

Reinhard HöllAssociate Partner, McKinsey & Company

Reinhard Hoell is an Associate Partner in McKinsey & Company's Düsseldorf Office with over ten years of experience in banking. Reinhard is a member of McKinsey's global transaction banking and payments practice focusing on payments, trade finance, acquiring and payments as well as blockchain and PSD 2.
Prior to joining McKinsey, he worked for Standard Bank PLC as a manager in Treasury and Capital Management, as an analyst in Structured Finance at Lehman Brothers as well as a trainee at Commerzbank.

Róbert KiszelyDirector of Professional Services, CAPSYS Informatikai Kft.

Róbert was hired as the first Capsys employee in 1998. He graduated in Computer Science from Eötvös Lóránd Science University. Róbert took part in the development of Zeus and also the pension fund administration solution of Capsys called Europé, and implementation projects of these products. Today he runs Capsys’ delivery services, and directs implementation, consultancy, and development projects.
He has been a key participant in the PSD2 / Immediate payments implementation (“Renewal of Payment Systems”) project of one of the major banks in Hungary. He has been invited to deliver several presentations and workshops at PSD2 and Immediate Payments conferences and major banks in Hungary.

Lu ZurawskiSolution Practice Lead, Consumer Payments EMEA

Lu joined ACI in September 2014 to develop large-scale and strategic payments business propositions, working in collaboration with key account executives in Europe, Middle East and Africa. Lu explores innovative approaches, mapping ACI assets and solutions to meet the complex, emerging demands of customers. Lu previously worked at Logica as a Global Account lead for a major fuel retailer, and has over 20 years experience in the payments field.
With a strong innovation record - including work on one of the world's first mobile payment schemes - Lu's interests cover latest trends in consumer payments, and their impact on practical operations and business. Lu has a specific interest in Behavioral Economics - the application of psychological insights into human behaviour that impact the success or otherwise of new consumer services - and a viewpoint that leads to thought-provoking (and often unorthodox) articles.

Jim Mortimer Head of International Propositions, Vocalink

Jim Mortimer is Head of International Propositions, leading on the translation of VocaLink’s real-time capabilities to deliver international solutions and services.    Previously Jim held the role of  Business Manager responsible for VocaLink’s Faster Payments portfolio which includes the Payment Gateway, fraud screening service and overall Faster Payments Service. He has over twenty five years’ experience working within the UK payments industry and was instrumental in defining VocaLink’s Immediate Payments and  propositions.

He has extensive knowledge of the business processes and requirements surrounding payment services and the specific end to end challenges of real time payment processing. He has held key roles within the delivery programmes for a number of services including the replacement EFT service for the UK’s automated clearing house, the UK Faster Payments Service, the “FAST” real time payment service in Singapore and most recently, The Clearing House Real Time Payment system in the United States.

Marten NelsonCo-Founder, Vice President of Marketing, Token Inc.

Marten Nelson is co-founder and VP of Marketing at Token, a Silicon Valley based technology company, focused on building a global open banking platform that addresses PSD2 and helps bank generate new revenues. Marten is a technology entrepreneur/executive who has been getting things done in startups and Fortune 100 software companies for over 20 years. His experience spans Product Development, Business Strategy, Business Development and Marketing. Token is his third company to found. Abaca, a leading email security company was sold to Proofpoint and the edtech LearnCentral was sold to Blackboard.

Mike BanyardHead of Development, Faster Payments Scheme Ltd.

Mike Banyard is Head of Development for FPSL, where over the last 4 years he has led a number of major initiatives over the last four years to meet the emerging needs of the market.  This involves engagement with key service user communities to understand their requirements, and then developing propositions within Faster Payments to meet these.  Key to this has been the development of the award-winning “New Access Model”, which supports the real-time payment needs of a broad range of PSPs.  This programme has catalysed a market of outsourced technical providers to support the needs of this sector.  Since mid 2016, 9 new PSPs have joined the Scheme, and a similar number are scheduled to join over the next year or so.
FPSL are now developing the rules and standards that will underpin a Request To Pay service that can be delivered competitively into the UK market; providing consumers with control over their finances whilst also improving the reconciliation challenge faced by billers.
Mike is also the business lead for FPSL’s ‘infrastructure procurement’ programme – which will involve a competitive procurement for the replacement of the current infrastructure, moving the UK onto an ISO 20022 based platform, to support greater interoperability between payment schemes in the UK and beyond.
Mike joined FPSL in May 2013, after 23 years with a global financial institution, the last 15 years of which were spent in the Product Management function within the Payments & Cash Management division – leading work on the design of Faster Payments, developing propositions across all customer segments, from Personal through Corporate and onto Agency Banking, delivering innovative solutions to meet the needs of these diverse groups.  As part of this role, Mike was a senior representative in a broad range of payment industry schemes and projects.


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