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  • Joint European Central Bank – Nationale Bank van België/Banque Nationale de Belgique conference

Crossing the chasm to the retail payments of tomorrow

Tuesday, 26 and Wednesday, 27 November 2019, Brussels

The conference will be the sixth in the series of high-profile retail payments conferences organised jointly by the ECB and a national central bank. This time the conference is co-hosted with the Nationale Bank van België/Banque Nationale de Belgique. Discussions over the one and a half days will revolve around the highly topical issues of transformative trends and possible disruptions in the retail payments space, as well as their potential impact.

Highlights from the conference


Tuesday, 26 November 2019
Registration and coffee

Welcome address

Pierre Wunsch, Governor of the Nationale Bank van België/Banque Nationale de Belgique

Introductory speech

Benoît Cœuré, Member of the Executive Board, European Central Bank

Video message

Valdis Dombrovskis, Vice-President, European Commission


Theme I – Transformative trends in retail payments


Panel discussion: Innovations and changing customer behaviour, remodelling retail payment practices

Chair: Jean Hilgers, Director, Nationale Bank van België/Banque Nationale de Belgique

  • Dirk Schrade, Deputy Director General, Payments and Settlement Systems, Deutsche Bundesbank
  • Ivo Mechels, Executive Director, Test-Achats/Test-Aankoop
  • Javier Santamaría, Chair, European Payments Council
  • Geoffroy Goffinet, Deputy Director of Authorisations, Licensing and Regulation Directorate, Autorité de Contrôle Prudentiel et de Résolution
  • Damien Dion, Business Development Payments & Partnerships Director for Europe Middle East & Africa, Fitbit
Coffee break

Keynote speech: Innovations in retail payments – past, present and future

Luiz Awazu Pereira da Silva, Deputy General Manager, Bank for International Settlements


Panel discussion: Instant payments and payment initiation services: new opportunities

Chair: Ulrich Bindseil, Director-General Market Infrastructure and Payments, European Central Bank

  • Tuomas Välimäki, Member of the Board, Suomen Pankki – Finlands Bank
  • Mario Nava, Director, Directorate-General for Financial Stability, Financial Services and Capital Markets Union, European Commission
  • Ivo De Meersman, General Manager Payments & Cards Belgium, KBC Bank & Verzekering
  • Fernando Rodríguez Ferrer, Business Development Director, Bizum
  • Arturo González Mac Dowell, President and Chief Executive Officer, Eurobits Technologies



Academic session: A changing retail payments ecosystem – current trends and envisaged impact

Chair: Eric Ducoulombier, Head of Unit, Directorate-General for Financial Stability, Financial Services and Capital Markets Union, European Commission

Discussant: Julien Lasalle, Head of Oversight of Payment Instruments


Coffee break


Theme II – Winds of disruption in retail payments


Panel discussion: How does technology change the market for payment services?

Chair: Fiona van Echelpoel, Deputy Director-General Market Infrastructure and Payments, European Central Bank

  • Rita Lourenço, General Manager, Head of Payments & Acquiring Business, Millennium bcp
  • Philipp Sandner, Head of Frankfurt School Blockchain Center, Frankfurt School of Finance & Management
  • Flora Coleman, Head of Government Relations Department, TransferWise
  • Jörn-Jakob Röber, Head of Public Affairs, Trustly
  • Markus Gunter, Managing Director, N26 Bank

Academic session: Drivers of possible disruption

Chair: Carlos Conesa, Associate Director General, Financial Innovation and Market Infrastructures, Banco de España

Discussant: Francesco Papadia, Senior Fellow, Bruegel


End of Day 1


Dinner - by invitation only

Wednesday, 27 November 2019
Registration and coffee

Keynote speech: A take on the future

Key Pousttchi, SAP Professor of Business Informatics and Digitalisation, University of Potsdam


Panel discussion: Digitalisation and cyber security: friend or foe?

Chair: Tim Hermans, Director, Nationale Bank van België/Banque Nationale de Belgique

  • Nathalie Tuxen, Head of Payments Systems, Danmarks Nationalbank
  • Javier Pérez-Tasso, Chief Executive Officer, SWIFT
  • Bill Trent, Managing Director, Clients & Markets, Context
  • Morten Bech, Head of Secretariat, Committee on Payments and Market Infrastructures, Bank for International Settlements
Coffee break

Theme III – The role for central banks and regulators


Keynote speech: Money, payments and digitalisation

Cecilia Skingsley, First Deputy Governor, Sveriges Riksbank


Academic session: Potential role for public authorities

Chair: Maria Tereza Cavaco, Deputy Head of Department, Banco de Portugal

Discussant: Alexandre Stervinou, Member of Secretariat, Financial Stability Board


Concluding remarks

Please note that this programme may be subject to change without notice.

A photographer will be present at the event taking photographs for our internet/intranet webpage. If you prefer not to have your photograph taken, please approach the photographer directly. The event may be filmed and the video recording, or parts of it, may be published on the internet/intranet.