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An innovative and integrated European retail payments market

European Central Bank conference

When, Where

Wednesday, 24 April 2024, 9:00-16:15
European Central Bank
Kaiserstrasse 29
Frankfurt am Main



Registration and coffee


Welcome address

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


Keynote speech

Piero Cipollone, Member of the Executive Board, European Central Bank


Panel: Bringing instant payments to end users: Next steps for full deployment

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

  • Agustin Reyna, Director for Legal and Economic Affairs, BEUC
  • Marcel Haag, Director Horizontal Policies for Financial Stability, Financial Services and Capital Markets Union, European Commission
  • Sandra Peute, Senior Product Manager, ABN AMRO
  • Fernando Rodríguez Ferrer, Head of Business Development, Bizum
  • Axel Schaefer, Advisor Payments, Ingka Group Treasury (IKEA)

Instant payments have not yet been fully deployed across Europe. The recently adopted instant payments regulation addresses some key obstacles to the take-up of instant payments. What more is needed to fully roll out instant payments for all European end users, including public administrations, both online and at physical points of sale?


Coffee break


Panel: Strengthening the European retail payments landscape: Public and private sectors join forces

Chair: Piero Cipollone, Member of the Executive Board, European Central Bank

  • Elie Beyrouthy, Chair, European Payments Institutions Federations
  • Javier Santamaría, Chair, European Payments Council
  • Joachim Schmalzl, Chairman of the Board, European Payments Initiative
  • Madalena Cascais Tomé, Chief Executive Officer, SIBS
  • Evelien Witlox, Digital Euro Programme Manager, European Central Bank

The Eurosystem’s retail payments strategy and the digital euro project aim to achieve a higher level of efficiency, strategic autonomy and resilience in retail payments, as well as supporting digitalisation and innovation. What is the state of progress of the digital euro? How can the public and the private sectors join forces to strengthen the European retail payments market? How can the co-existence of payment solutions based on central bank and commercial bank money be supported in the digital age? 




Keynote speech

Mairead McGuinness, Commissioner for Financial Services, Financial Stability and Capital Markets Union, European Commission


Panel: Financial and technological inclusion in retail payment: Consumers in a digitalised world

Chair: Inge van Dijk, Director Payments & Market Infrastructure, De Nederlandsche Bank

  • Anne-Sophie Parent, Former Secretary General, AGE Platform
  • Colleen Dube, Chief Executive Officer, National Adult Literacy Agency
  • Elin Wihlborg, Professor and researcher focused on democracy, digitalisation and inclusion, Linköping University 
  • Julien Delamorte, Chief Executive Officer, HandSome
  • Weiwen Zhong, Product Area Lead, ING

In a digitalised world, access to safe, efficient and convenient means of payment remains essential. How can this be achieved when various groups respond differently to innovation? How can we ensure that retail payments are inclusive, and that all citizens can effectively use digital means of payments? How can we guarantee that vulnerable groups are not left behind and do not become easy victims of payment fraud?


Coffee break


Panel: G20 Roadmap for enhancing cross-border payments: Interlinking of fast payment systems as a priority action

Chair: Tara Rice, Head of Secretariat, Committee on Payments and Market Infrastructures, Bank for International Settlements

  • Ulrich Bindseil, Director General Market Infrastructure and Payments, European Central Bank
  • Maha El Dimachki, Head of the Singapore Centre, BIS Innovation Hub
  • Mehdi Manaa, Chief Executive Officer, Buna
  • Ritesh Shukla, Chief Executive Officer, NPCI International Payments Limited
  • José Luis Langa Hernando, Deputy Managing Director, Iberpay

The G20 roadmap addresses major challenges associated with cross-border payments, which, compared to domestic payments, are still expensive, opaque and slow. Enhancing cross-border payments is also part of the Eurosystem retail payments strategy. What is the status of the G20 action plan, and what can central banks and other stakeholders do to move ahead with its implementation, notably on interlinking fast payment systems across borders? What are the advantages and disadvantages of bilateral links and multilateral links, different development strategies, and implementation prospects? 


Closing remarks and end of conference

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

General information

European Central Bank
Kaiserstrasse 29
60311 Frankfurt am Main




Participants are requested to arrange their own transfers, unless indicated otherwise.