Payment Market Conference

Riga 2025

9-th and 10-th of April,

2025

Radisson Blu Latvija Conferences & Spa Hotel

Elizabetes 55, Riga, Latvia

Thank you all for attending, speaking, supporting!

Over two days, we’ve explored the future of payments, debated the fate of the Digital Euro, and dove deep into the mystical arts of AI and fraud prevention.

We’ve heard from visionaries, regulators, industry leaders.

A massive thank you to our speakers for keeping us inspired, to our sponsors for keeping us caffeinated, and to all of you—our attendees—for asking the hard questions, networking like pros, and making this event not just insightful, but genuinely fun.

And while the conference is over, the conversations don’t have to. Stay connected, keep innovating...

PROGRAMM

09.04.2025

11:30 – 12:30	Registration and Coffee
12:30 – 12:40	Welcome speech	Zanda Brīvule-Jansone, Head of the Nordic and Baltic region for Financial Services, Worldline Global
12:40 – 13:00	Financial Market Regulation in the Age of Simplification and Geopolitical Shifts	Uldis Cērps, Chairman of the Board, Finance Latvia Association
13:00 – 13:20	Preventing Fraud with AI	Angel Serrano, Head of Data Science for Internal functions, Visa Europe
13:20 – 13:40	Unbreakable, The Financial Frontline of a Country at War	Chris Crespo, Chief Editor, Nordic Fintech Magazine
13:40 – 14:10	Networking and Coffee break
14:10 – 14:30	AI As An Engine For Rapid Innovation	Igors Uhaņs, Innovation Lead, Helve
14:30 – 14:50	Play your cards right	Tapio Vailahti, Head of Innovation at Card Personalization, Tietoevry Banking
14:50 – 15:10	The Bumpy Road of Running an EMI out of the Baltics	Sofian Berrahal, Chief Executive Officer, Nexpay
15:10 – 15:30	Practicalities of DORA Technical Implementation	Jānis Orlovs, Lead consultant/founder, CWISE
15:30 – 16:00	Networking and Coffee break
16:00 – 16:20	Regulatory Developments in the EU and Their Impact on Fintech Ecosystems	Anna Pavlovska, Head of Partnerships, Fintech Hub LT
16:20 – 16:40	The Role of Teamwork, Bravery, and Creativity in Project Management: A Case Study on Bonusukarte	Ineta Kauliņa, Head of Card Issuing Division, WALLETTO; Artūrs Piliksers, Founder and CEO, Bonusukarte.lv
16:40 – 17:00	Lessons Learned: Best Practices from SaaS Banking Implementations	Gints Ozoliņš, Chief Technology Officer, Indexo
17:00 – 17:10	First day summary
17:10 – 18:30	Conference networking and drinks sponsored by

10.04.2025

08:30 - 09:00	Good morning coffee
09:00 - 09:10	Moderator keynote
09:10 - 09:30	Learnings from ATM Pooling initiatives in Europe	Mikko Rieger, Managing Partner, rieger.fi
09:30 - 09:50	Scaling Payments and Banking in a 4th Generation Banking World	David Abbott, VP, Payments Business Unit & Strategic Accounts, Tuum
09:50 - 10:10	Decoding Payment Fraud Trends: Emerging Challenges	João Rijo Courinha, Senior Global Product Manager - Fraud Management Solutions, Worldline
10:10 - 10:40	Networking and Coffee break
10:40 - 11:00	Secure payments and Identity	Åsa Granberg, Strategic Sales, IDEMIA
11:00 - 11:30	Latvijas Banka support tools for Fintechs	Guna Janelsiņa, Chief Legal Advisor, Latvijas Banka
11:30 - 11:45	Digital euro: case for Latvia	Reinis Vecbaštiks, Chief Payments and Financial Markets Analyst, Latvijas Banka
11:45 – 12:05	From Open Banking to Open Finance: Introducing FiDA	Zane Veidemane-Bērziņa, Co-head of Banking & Finance Practice Group, Ellex Kļaviņš law firm
12:05 - 13:30	Lunch
13:30 - 13:50	The Next Chapter of Latvia’s Fintech Story: From Today’s Landscape to Tomorrow’s Strategy	Tīna Lūse, Managing Director, Fintech Latvia Association
13:50 - 14:10	Final Call for DORA Compliance: How to Fix Your IT Vendor Risks Before It’s Too Late	Oļegs Černiševs, CTO, Blackcatcard
14:10 - 14:40	Fintech Platforms vs. Legacy Banks: Competition, Collaboration, or Coexistence? Panel Discussion	Panel Host: Davit Gudushauri, Sales Executive at Crassula; Panelists: Mārtiņš Bērziņš, Head of Digital Customer Experience, Deputy Business Development at Citadele banka; Alexander Suhobokov, Head of Fintech at Dukascopy Bank
14:40 - 14:55	Unlocking the El Dorado of Payments: Innovating Through Compliance	Sumant Bhagwat, Head of Product, Paynt
14:55 - 15:10	Moderator Conference summary

SPEAKERS

Zane Veidemane-Bērziņa

Co-head of Banking & Finance Practice Group,

Ellex Kļaviņš law firm

Zane has extensive experience in financial regulatory matters gained throughout her two decades long career in a law firm as well as in-house in one of the leading credit institutions.

She advises banks and other financial service providers on a wide range of complex issues, including market entry, licensing, internal controls, new product launches, compliance, supervisory affairs as well as acquisitions and restructuring within the financial sector. She is particularly passionate about innovative payment solutions and digitalization.

uldis cerps

Chairman of the Board,

Finance Latvia Association

Uldis Cerps is a financial risk professional with over 25 years of experience in leadership, executive and non-executive roles across central banking, regulation and financial market infrastructure.

Uldis currently serves as CEO of Finance Latvia, a financial sector advocacy group. He is also a Vice President of the Employer’s Confederation of Latvia and member of the Executive Committee of the European Banking Federation.
Uldis’ career demonstrates experience across many sectors within financial services, embracing the perspective of regulated companies, issuers, and regulators.

In the early 1990s, he was CEO of the Riga Stock Exchange. For eight years, Uldis served as Executive Director of Banking Supervision at the Swedish FSA. He represented the Swedish FSA at the Basel Committee for Banking Supervision, as well as the European Banking Authority’s Board of
Supervisors and the Management Board. He has also led two working groups at the European Banking Authority. Uldis also has regulatory experience from emerging markets, where he served as the Chairman of Latvia’s Financial and Capital Markets Commission.

From 2015 to 2021 Uldis served as observer of the Audit Committee of the European Development Bank. From November 2017 to July 2024 Uldis served as advisor to the Governor of the Central Bank of the UAE. In 2023 Uldis was appointed as co-chair of the working group of the Financial Stability Board examining the risks posed by stablecoins in Emerging Market Developing Economies.
Since the early 2000s, Uldis has been a board member of several academic institutions, including the Advisory Council of the University of Latvia and the Riga Graduate School of Law. Uldis is currently a member of the advisory board of a think tank Baltic Finance Center. Uldis’ research has been
published by Axel Springer Verlag and the IMF. He is also a member of SNS, the Swedish Centre for Business and Policy Studies. Uldis is a certified compliance professional by the International Compliance Association.

Uldis has graduated the University of Latvia with a university degree in journalism and is currently studying for a DBA degree at the Heriot Watt University (UK).

Malte Krueger

Professor,

University of Applied Sciences Aschaffenburg

Malte Krueger is Professor of Economics at the University of Applied Sciences in Aschaffenburg (Germany) and works as a consultant for PaySys Consultancy (Frankfurt).

He holds a Ph.D. in economics from the University of Cologne (Germany) and has worked as a research fellow for the Bank of Spain, the University of Western Ontario, the University of Durham, the University of Karlsruhe, the University of Applied Sciences in Frankfurt and the European Commission. Consulting projects have focused on payments – including internet payments - and the list of clients includes banks, processors, merchants, card schemes, payment service providers, government institutions and others, in Germany and other European countries. Academic research has focused on payments in general, two-sided markets, monetary economics and exchange rates. Malte has published widely in academic and industry journals.

João Rijo Courinha

Senior Global Product Manager - Fraud Management Solutions,

Worldline

João Rijo Courinha is a Senior Global Product Manager for Worldline's Fraud Management solutions. Drawing from his years in the financial sector, João develops fraud solutions that focus on current fraud trends leveraging AI for real-time and near real-time monitoring. He tackles fraud problems across issuing, acquiring, and account payments.

João has spent over 15 years working in finance and payments, building his career through roles at SIBS, Barclaycard, Barclays, and WiZink. His work history focus on product management in the payments area but also covers credit management and recoveries giving him a well-rounded view of how banking and payment systems work and what makes them vulnerable.

He earned a Master's in Law from the University of Lisbon and has picked up several certifications in product management, pricing strategies, and AI applications along the way. This mix of technical know-how, strategic thinking, and legal background helps him create holistic multi-rail fraud management solutions that are secure without being complicated for users.

Based in Lisbon, Portugal, João continues to improve how financial institutions defend against fraud, helping them stay one step ahead as digital payments get more complex.

Reinis Vecbaštiks

Chief Payments and Financial Markets Analyst,

Latvijas Banka

Reinis is working as a chief payments and financial markets analyst at Latvijas Banka with expertise in digital finance and innovation. Since joining Latvijas Banka in 2022, he has focused on the digital euro project, contributing to the future of European digital payments.

Before his tenure at the central bank, Reinis built a strong foundation in economic policy and international cooperation, working at both the Ministry of Foreign Affairs and the Ministry of Economics. His focus on innovation projects in these roles has shaped his approach to payments markets and digital transformation with a forward looking view on policy objectives.

With a passion for the intersection of finance, technology, and policy, Reinis continues to contribute to the digital euro project and payments policy strategies of Latvia.

Luis Peiró Sancho Sopranis

Founding Partner,

NALBA Advisors

Luis is the founding partner of NALBA Advisors, a management consulting boutique specializing in Payments, Fintech and Retail Banking, with over 40 professionals.

He has extensive years of experience supporting Financial Institutions in strategic and operational projects, around payments (cards issuing/acquiring, P2P, processing, fraud, gateways, regulation, etc.) and financial innovation (fintechs, neobanks, etc.).

His most relevant experiences include: Strategic plans, Market Entry and Internationalization plans, Sales strategic or tactical improvements, Innovation and Digitalization, Customer Experience, etc.

Prior to founding NALBA in 2014, Luis was Senior Manager within KPMG's financial sector strategy team.

Luis holds a degree in Industrial Engineering and holds a Master in Financial Entities Management by IEB.

Zanda Brīvule-Jansone

Head of the Nordic and Baltic region for Financial Services,

Worldline Global

Zanda Brivule-Jansone is a seasoned professional in the payment cards industry, with a career spanning over two decades. She currently serves as the Head of the Nordic and Baltic region for Financial Services at Worldline Global.

Davit Gudushauri

Sales Executive,

Crassula

Davit is B2B SaaS and FinTech sales professional. He represents Crassula as a Sales executive.

Crassula is a FinTech platform that enables businesses to swiftly launch digital banking solutions, such as neobanks, e-wallets, and embedded financial services.

Jānis Orlovs

Lead consultant/founder,

CWISE

Janis Orlovs is lead consultant and founder of CWISE. Consulting firm focused on solving DevOps and secure software delivery for fintechs and financial services. Have been in the industry 15+ years, helped to launch, build and operate fintech businesses in more than 30 countries across the globe.

Guna Janelsiņa

Chief Legal Advisor,

Latvijas Banka

Guna Janelsiņa is the Chief Legal Advisor at Latvijas Banka, where she leads regulatory work in payments, electronic money, payment systems, and crypto-assets at both national and European levels. With deep expertise in financial supervision and regulatory policy, she plays a key role in shaping Latvia’s financial regulatory landscape and is currently contributing to the development of the EU’s Open Finance framework, aimed at promoting innovation and data-driven financial services.

Guna has represented Latvia in high-level negotiations with the European Parliament during the country’s Presidency of the Council of the EU. She is also a regular speaker at international and regional industry events, including FKTK Dialogs, the Payment Cards Conference, the EU-Taiwan Consumer Protection Seminar on Online Transactions, FinReg, and the FinTech Forum.

Angel Serrano

Head of Data Science for Internal functions,

Visa Europe

Angel joined Visa Europe in 2023 to lead the data science team that supports European internal functions and products.

Previously, he built and led the Data Science practice at Santander UK, focused on implementing Machine Learning solutions to increase the value we offer to our customers, reduce costs, and increase efficiencies. During his time at Santander, he also served as temporary CDO for 18 months. Prior to that, Angel worked at PwC since 2004, both in Spain and UK, where he led one of the advanced analytics teams in the financial services sector, implementing machine learning solutions for European clients and regulators.

Angel is a public speaker on data and analytics events and articles writer, has been speaking on over 40 events during the last 5 years. Angel holds a BS in Physics (University of Madrid - UAM), MBA (UAH).

David Abbott

VP, Payments Business Unit & Strategic Accounts,

Tuum

David has over 30 years experience in the Cards, Payments and Fintech industries. He has worked for giants such as First Data, Fiserv and FIS in Europe, as well as start-ups and fast growth companies such as SecureTrading.com/Trust Payments and Planet Payment, where he led their DCC market entry into CEMEA and LATAM.

He has held roles as Head of Cards at Riyadh Bank, and was the General Manager of Network Internationals Card Issuing and Acquirer processing business across the Middle East, prior to its IPO by ENBD Bank.

Joining Tuum in autumn 2024 David is leading Tuum’s engagement with Third Party Card Processors, Card Schemes and Tier 1 Clearing Banks from Tuum’s London office.

Marine Krasovska

Head of FinTech Supervision Department,

Latvijas Banka

Marine Krasovska is the Head of FinTech Supervision Department at Latvijas Banka. She holdsva Master' s Degree in Finance (University of Latvia) and a professional diploma in management (Open University Business School, UK), as well completed Oxford strategic innovation program (Said Business School), and Innovations and AI from INSEAD.

She built professional experience working at SEB bank, DNB bank and Luminor Bank in managerial positions. In 2020, she became the Director of the Financial Innovation Department at Financial and Capital Market Commission (FCMC). Following the integration of FCMC into Latvijas Banka on January 1, 2023, she assumed her current position as Head of FinTech Supervision Department.

Marine is recognized for her dynamic and proactive work within the FinTech community, contributing significantly to Latvia' s emergence as a FinTech hub. She has also shared insights on financial innovation as guest lecturer in Riga Technical University and Riga business school.

Tapio Vailahti

Head of Innovation at Card Personalization,

Tietoevry Banking

Mr. Tapio Vailahti has extensive experience on secure payments, strong authentication and identification. He has been actively involved in bringing a number of leading-edge secure products and solutions into banking, telecom and government markets, including EMV payments, biometric passports, mobile authentication & digital signatures, tokenization, digital proximity and remote payments as well as sustainability and inclusion in card payments.

Tapio started his career at Setec Oy in various management roles, including Head of Product Marketing and Head of Telecom & Media Business Unit. At Gemalto Tapio was Vice President of Product and Solution Management for Identity before joining Valimo Wireless as Executive Vice President and CEO and then at Giesecke & Devrient as the Regional Head of Global Solutions Sales focusing in digital payments. Currently Tapio is the Head of Innovation for Card Personalization business in Tietoevry Banking.

Olegs Cernisevs

CTO,

Blackcatcard

As the Chief Technology Officer of Blackcatcard, Olegs Cernisevs drives innovation in product development and technology optimization. His extensive background spans banking and payment services, with notable roles at PrivatBank, First Swiss Card, and the Acquiring Committee of the Association of Commercial Banks of Latvia. Olegs has played a pivotal role in shaping IT projects for various European financial institutions. His impact was celebrated by PayTech Awards – in 2023, Olegs received an award in nomination PayTech Leadership. He holds a Doctor of Science degree and has published several scientific papers on fintech-related topics. Furthermore, Olegs is certified in anti-money laundering management and cybersecurity, underscoring his comprehensive expertise in the financial technology sector..

Janis Jaksts

Payment Market Conference Riga 2025 Moderator,

OWBoost

For the past 27 years, I have been involved in the management and moderation of various events. This experience spans a wide range of events, from corporate conferences and seminars to community gatherings and large-scale festivals. While event management is currently an addition to my daily job, it has been a full-time passion and obsession in the past. My dedication to ensuring the smooth execution of events has honed my skills in organization, communication, and problem-solving.

In addition to my experience in event management, I have spent the last 20 years immersed in the world of payment cards and other payment solutions. My career in this field has seen me work in banks, fintech companies, and as part of vendor teams. This journey has allowed me to gain a wealth of knowledge and expertise, working alongside some of the best professionals in the industry. The various roles I've taken have contributed to my comprehensive understanding of the payment industry and have equipped me with a diverse skill set.

I am honored to moderate the Payment Market Conference Riga 2025. This opportunity is particularly meaningful to me as it allows me to merge two facets of my professional interests that have been significant over the past years.

Ineta Kauliņa

Head of Card Issuing Division,

WALLETTO

A seasoned financial services professional with over 20 years of experience in payment card issuing, acquiring, and fintech. Currently Head of Issuing Division at WALLETTO, leading performance management, project execution, and market analysis while fostering strong client relationships.

Previously held leadership roles at LPB Bank, including Head of Payment Card Department, overseeing daily operations, compliance with VISA and Mastercard regulations, chargeback processing, and new product implementation. Prior experience at GE Money Bank and SEB focused on payment card risk analysis, acquiring, compliance, and operational management.

An expert in business planning, project management, and financial operations, recognized for driving innovation, optimizing workflows, and enhancing fintech and banking processes.

Alexander Suhobokov

Head of Fintech,

Dukascopy Bank

Alexander is a seasoned finance professional with over two decades of experience spanning banking, investments, fintech, and academia. As the Senior Vice President and Head of Fintech at Dukascopy Bank, Alexander has been at the forefront of innovation, helping to create a Swiss challenger bank.

Sumant Bhagwat

Head of Product,

Paynt

Sumant Bhagwat is a dynamic and results-driven product leader with extensive expertise in global payments, fintech, and digital transformation. With a career spanning over a decade, he has played a pivotal role in scaling innovative payment solutions, optimizing transaction success rates, and driving exponential business growth.

As the Head of Product at Paynt Group, Sumant established the product department from scratch, driving significant revenue growth for Paynt and leading international expansion initiatives. He is driving the brand growth and market presence for Paynt through strategic product marketing, highlighting innovation, reliability, and seamless payment solutions. He has worked extensively with PSPs, building payment gateways from the ground up, and has contributed to various acquirers and white-label orchestration providers. His expertise spans omnichannel payments, digital onboarding, and strategic integrations. He played a key role in a major acquisition, streamlining operations, and launching critical payment solutions, including a global payment gateway supporting Visa, Mastercard, and 80+ alternative payment methods.

Sumant is recognized for his ability to transform payment ecosystems through innovative API designs, risk optimization, and customer-centric solutions. Passionate about fintech innovation, he continues to shape the future of digital payments across Europe and beyond.

Tīna Lūse

Managing Director,

Fintech Latvia Association

Since January 2021, Tīna leads the Fintech Latvia Association. The aim of the Association is to unite financial service providers leveraging financial technologies, including alternative financing market players, fintech-driven institutions, and other key stakeholders fostering innovation.

The Association strives to ensure the representation and implementation of their interests at both national and international levels, promoting the sustainable development and growth of the Latvian financial sector.

Anna Pavlovska

Head of Partnerships,

Fintech Hub LT

Currently Head of Partnerships at Fintech Hub LT and Board Member at Monavate (EMI), Anna Pavlovska has extensive experience in both the fintech and traditional banking sectors, as well as in central banking.

Expertise spans payments, digital platforms and the development of innovative financial products such as digital payment and FX platforms, e-commerce solutions and AI-owered payment methods.

With a background in business development, strategy, M&A and relationship management, they have a hands-on leadership style and a proven track record of leading teams through challenging and transformational environments.

Chris Crespo

Chief Editor,

Nordic Fintech Magazine

I’m a Founding Partner and Chief Editor at Nordic Fintech Magazine, where I turn complex financial topics into content that’s clear and engaging. With nearly 20 years of experience at Gartner and Nordea, I’ve seen firsthand how fintech is transforming the industry. I used to be the Chief Futurist at the Nordics' largest bank, focusing on innovation, disruption, and ethical AI. Now, I also share my thoughts on the future of finance as a guest lecturer at Stanford, Singularity University, and Copenhagen Business School.

Mikko Rieger

Managing Partner,

rieger.fi

Mikko Rieger is an advisor and independent consultant in payments who set up shop and his own consultancy rieger.fi in the spring of 2019.

As a talkative German Finn he collaborates with Nordic FinTechs on market expansion projects, helps larger merchants in their payment strategy, currently builds out the e-receipt infrastructure in the German speaking region and works with banks on their crypto AML readiness.

Mikko is less Fin, more Tech, he's never been a banker, but rather grew up with mobile and cloud tech at Nokia and Microsoft prior to leading the issuing back-end business at the Nets Group and the operations at Enfuce, a Nordic cloud issuing service provider. The payment consultancy rieger.fi is part of the European Payment Consulting Association (EPCA).

Mikko is married, father of three, with a dog to fit the Helsinki suburbian stereotype. He holds a Bachelor and a German Dipl. Ing. degree in Computer Engineering and an MBA from the Kellogg School.

Åsa Granberg

Strategic Sales,

IDEMIA

Åsa Granberg is a Financial Industry expert that has a background from global market leading tech companies, international fintech unicorns and Nordic Banks e.g. Nasdaq Technology & Exchanges, Raisin, Deposit Solutions, Nordea, DNB, IDEMIA and has executed large deals with the big five Wall Street Investment Banks. She has shared international stages with names like Steve Wozniak, Michael Douglas, Dr Phil, Mel Gibson, Charlie Sheen and Brooke Shields. Åsa was awarded Top Entrepreneur of the Year 2018 by a global magazine. At IDEMIA she is deep diving into the future innovations of Cryptography, Biometrics and Tokenization.

Gints Ozoliņš

Chief Technology Officer,

Indexo

Gints Ozolins is the Chief Technology Officer at Indexo, where he leads the implementation of technical solutions for retail banking and investment management. Prior to joining Indexo, he served as the IT Delivery Director at Cognizant Technology Solutions in Sweden. With over 20 years of IT management experience in the Banking, Telecom, and IT services industries, Gints brings a wealth of knowledge and expertise to his role. His innovative approach to building Indexo's IT landscape has positioned him as a thought leader in the FinTech space.

Artūrs Piliksers

Founder and CEO,

Bonusukarte.lv

Arturs Piliksers is the visionary founder and CEO of Bonusukarte.lv, a fintech company specializing in innovative solutions for employee motivation and benefits. Under his leadership, Bonusukarte.lv has developed platforms that optimize tax expenditures and enhance employee satisfaction.

With a strong background in fintech and business development for 25 years, Arturs has been an active participant in industry events. He delivered a keynote at FSMTalks 2024 in Kaunas, sharing insights on Bonusukarte.lv's secure solutions. He also represented Bonuscard at sTARTUp Day 2025 in Tartu, engaging with potential investors ahead of a €1 million seed round planned for Spring 2025.

Arturs is committed to fostering innovation in the financial technology sector, continually seeking opportunities to collaborate and share knowledge with peers and industry leaders.

Igors Uhans

Innovation Lead,

Helve

Igors Uhans drives digital transformation at Helve, enabling AI fluency in both startups and enterprises to accelerate innovation. Previously, he shaped business intelligence data at Accenture, co-founded and led business development at BASAFUL, and spearheaded digital projects at SIA ŠMIA.

Beyond corporate work, he mentors hackathon teams, advises on AI ethics, and supports civic initiatives as a board member at Biedrība Šmiedrība. A hands-on problem solver, Igors pushes for efficiency, emerging tech adoption, and strategic growth across industries.

Mārtiņš Bērziņš

Head of Digital Customer Experience, Deputy Business Development,

Citadele banka

IMārtiņš Bērziņš is experienced business development leader focusing on digital products and customer user experience. Skilled in User Experience, Engagement and Behavior in different Digital channels, Agile development practise, Digital Product Strategy and Innovative Thinking. Prior Citadele bank created the first licensed payment institution in Latvia. Joined Citadele in 2017 and for last 8 years Mārtiņš has led all digital channel development at Citadele bank focussing on mobile banking, personalization and lately GEN AI usage. Since August 2020 Mārtiņš is Head of Digital Customer Experience and Deputy Business Development.

Sofian Berrahal

Chief Executive Officer,

Nexpay

Sofian is the CEO of Nexpay, a Baltic based Electronic Money Institution which provides banking services for digital businesses and bridges traditional finance and new tech financial services connected with digital assets. During his over a decade long tenure within financial services industry, Sofian had been involved in many areas of the industry, from developing of trading platforms, through executing pioneer crypto projects for a Swiss bank and finally in running a company specialized in cross-border payments which processes over 3.5 billion EUR annually.

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Information on PMC 2023

ORGANIZERS

Vedicard is one of Nordic’s and Baltics leading payment consulting companies offering advice based on passionate payment industry professionals with more than 20 year’s experience in this field.

Vedicard offers quality experts advice, guidance and help starting from strategy development, market research, business modelling, regulatory advices and required document development, supplier selection, solution requirements definition ending with being main integrator, project management, solution design, UAT development, solution implementation, migration and certification as well as training. Vedicard can cover various areas starting from traditional payment cards and banking solutions to emerging new payment methods like mobile, cloud based payments, instant payments and other innovations.

The company’s target customers are financial institutions, Electronic Money Institutions (EMI), payment Institutions, processors, transaction gateways, merchants and retailers as well as payment business start-up.

The European Payments Consulting Association (EPCA) is a European network of independent payments consulting companies, who cooperate in offering advisory services to international and Pan European payments industry players and merchants.

The European Payments Consulting Association (EPCA) was created in 1998 by three independent payment consulting companies – PaySys in Germany, PSE Consulting in UK and PlusCon in Denmark. The founder members recognised they needed a Pan EU network if they were to deliver payments assignments to large International and European clients.

The EPCA network has the full range of capabilities to meet the needs of international payments companies.

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