The following shows some of the invitations - only accepted a selection ...


PSD2, mPayment oder eID
Omnisecure, Berlin

27.2.19 7 Myths in Payment
closing speech at FPN Flagship event, Frankfurt

3-5.6.19 Identity is the new battleground
Money2020, Amsterdam


The arguments against cash
at CSFI (Centre for the Study of Financial Innovation), a forum for debate and research about the future of the international finance services sector, on the role of cash and ATMs in the future economy with Sir Mark Boleat. Participants from Morgan Stanley, Lloyds, Bank of England, Swiss Re, SWIFT, Financial Times, all major consultancies, Japan Post Bank, Visa, Italian Chamber of Commerce, Santander, German Embassy, Bloomberg etc, London

Moderator of “Omnichannel” Panel
and Panelist at House of Finance discussion on “Chinese banking/payments” with Bundesbank
Kartenforum, Frankfurt
tweeted about China by Handelsblatt, tweeted about Omnichannel by Worldline

8.2.18 Fintech Dialog rund um ZV und Blockhain hype
TechQuartier, a focal access point to the startup and FinTech community in the largest financial center in continental Europe, Frankfurt

“Identity - die Lösung für alles ?”
at FPN Frankfurt Payments Network Symposium, Frankfurt
cited on LinedIn

23-24.2.18 Regulation of Non-Banks
discussant on “Banking in the digital age - who is afraid of payment disintermediation” at the EBI (European Banking Institute - the point of reference for banking regulation research in Europe and instrument to facilitate the interactions between academia, supervisors, regulators and industry)
Global Annual Conference on Banking Regulation, with EC, ECB, EBA, EP/ECON, Worldbank, ESMA, EIOPA and many universities, Frankfurt

27.2.18 “The possibilities brought by PSD2” panel within the Mobile Connect seminar “How are identity regulations shaping the digital world? In-depth overview of PSD2, eIDAS and new upcoming identity initiatives”, as part of “future of innovation” with European Commission, NIST, UN University, Mobile World Congress, Barcelona
Panel around the possibilities that PSD2 is bringing to the digital world, moderated by GSMA and attended by a global operator (Telefonica), MobeyForum, eCommerce Europe with ca 250 attendees.

27.2.18 NPF series (Nextgen Payments Forum), an exclusive two-day gathering bringing together senior executives in an intimate and productive environment, for focused conversations around the future of payments QUBE Events, Malta

28.2.18 invitation-only workshop for ca. 25 mobile telecommunications operators on mobile SCA
by invitation of GSMA at Mobile World Congress, Barcelona

6-7.3.18 "Open Banking from a European perspective and how this is relevant for the Nordics"
Betalingsformidling, Trondheim, Norway

28.2.-1.3.18 Keynote at Digital Finance World
RegTech and Digital Finance Conference, Frankfurt

14-15.3.18 Keynote plenary panel on Identity on “Securing Transactions” at European Payments Summit, The Hague
promoted by Transactivies

21-22.3.18 “How PSD2 and eIdentity can help eachother”
Opening Keynote at
Payments SUMMIT 2018, with ECB, Monzo, etc, Helsinki

28-29.3.18 “Identity is bigger than Payments”
opening keynote speech at
IDnext, Europe’s leading independent, interdisciplinary European conference on Digital Identity
and chair of panels (with Eur Commission DG Connect, ABN, Ministry of Interior NL) on rethinking digital services/disruptive innovations, smart cities/smart and connected citizens, privacy in a digital world/guiding the future, Utrecht
promotion and again, equensWordline promotion, Worldline promotion

5-6.4.18 Atos Analysts’ Day, Boston

18.4.18 “Open Banking / API as an innovation opportunity”
at WSBI Innovation Workshop, Hong Kong

24-25.4.18 Identity (how PSD2 can help)
Tomorrow’s Transactions Forum, Consult Hyperion, London

17.5.18 “Unlocking the business potential of PSD2 - despite diverging standards”
EACHA Annual Payment Forum, with all European ACHs, EPC chairman etc, Ljubljana, Slovenia

17-18.5.18 Evolution of Digital Payments - striving for excellence in modern banking
Euroevents, Berlin

21.5.18 “PSD2 and Open Banking: Unleashing opportunities for innovation and digital transformation”
opening keynote and panel (with CEO Russian electronic money association, Founder FinTech Ireland, European Commission, EPC) at Nextgen Payments Forum Cyprus, an exclusive two-day gathering bringing together senior executives for focused conversations around the future of payments
QUBE Events, Nicosia, Cyprus
Tweet by Finland Central Bank on my talk
Russian facebook comment on my talk:

21-24.5.18 “Changing Banking and Payments Models”
xCEED top FinTech Conference for CEE with over 200 delegates from 14 eastern-European countries, Belgrade, Serbia
then invited to reception at the Elsie Inglis House the Residence of the British Ambassador in Belgrade hosted by Ms Tracy Gallagher, the British Chargé d'Affaires
promoted on LinkedIn as Fintech’s Finest
FinTech's Finest

29.5.18 “Chancen von PSD2 für Banken”
at GS1 Germany: The Global Language of Business conference for banks and merchants, Cologne

4-6.6.18 “The business potential of open banking - how PSD2 can help solve the mess around Identity”
Money 20/20, Amsterdam

5-6.6.18 The impact of PSD2 on international business
Avapay conference, Moscow, Russia

12.6.18 Nordic Finance Innovation, Oslo

17-19.6.18 invitation by the Head of the Department of the Finance Management Faculty of Economic Sciences and Management of Nicolaus Copernicus University to the international forum with academics representing higher education institutions on the role of sustainable development in the discipline of finance and its impact on economic development, with Nobel laureate in economics, Torun, Poland

21.6.18 Bank Solutions for Banks
Amsterdam FinTech Forum

6.7.18 The Impact of Regulation on Innovation
Annual International Credit and Risk Management Summit, CRIF, London

8.8. & 16.8.19 Wie sieht Ihre Zukunft im Transaction Banking aus?
TxB Kongress der DZ Bank mit Vorständen, Frankfurt & Hannover

12-14.9.18 “The Business Potential of PSD2 … and what to do about it”
and Moderation of event at equensWorldline Client User Group, Behoust, France

19-20.9.18 “We’ve got Identity all wrong - and how to fix it … with banks”
and Panel “Identity management as potential business opportunity / business enabler for Banks” at Mobey, Paris
promoted by Mobey

26-28.9.18 Inovation through Regulation - not a contradiction!?
Keynote, Mentor and Jury at
equensWorldline Hackathon “The Future of Payments”, Paris - see video

26.9.18 Open API and Platform Banking
panel with Bird&Bird/Ibanity/EBA/Danske Bank/Santander at “Digital Finance Europe” (together with the European Banking Federation) with European Commission, European Banks and experts from across the world

16.10.18 Zukunft des Handels: Instant und PSD2
Panel bei Mobile in Retail Conference 2018, Berlin

17-19.10.18 Open Banking
Central Bank Forum

25-26.10.18 “The Convergence of Open Banking Initiatives and PSD2”
Keynote and panel moderator in
“Data Protection and Open Banking: Experiences and Expectations” with representatives from the European Commission, businesses, banks, SMEs, vendors and consumer associations as part of the 40th International Conference of Data Protection and Privacy Commissioners (ICDPPC), Brussels

14.11.18 “Wie Wandeln sich Geschäftsmodelle unter Einfluss von PSD2, Instant Payments und Realtime Banking?” (for CEO)
panel with board members Landesbank Hessen, Bundesbank, Ministry of Finance, Bearing Point, Otto at
Eurofinance Week, under chair of German Minister of Finance, Frankfurt

14/15.11 & 7.12.18 “super expert level” moderator of Berlin Group NextGenPSD2 conferences
with EBA European Banking Authority, ECB European Central Bank (Marc Bayle, Director General DG Market Infrastructure & Payments), and top officials from EC European Commission. Broad European and international audience of market supply-side (banks, banking/payment associations, payment schemes and interbank processors) and demand-side (i.a. FinTechs, TPPs, consumer organisations, IT solution providers), run by Berlin Group - by far the largest standardisations initiative on PSD2, Deutsche Bank Berlin & Sociéte Generale Paris

“The Digital Identity Agenda - Regulatory Initiatives and Practical Uses”
Payments International, London

11-12.12.18 Central European Digital Payment Conference

11.12.18 “We’ve got Identity all wrong - and how to fix it … with banks”
Bundesbank. Frankfurt

12.12.18 EPC General Assembly
Panel on “Biometrics – tokenisation - eID: new ways to identify/protect customers and the key to future payments? what role for PSPs?” with European Commission, Auchan, KBC and Mastercard, Brussels


“Debunking Blockchain”
chair of panel with Carl-Ludwig Thiele Member of the Board Deutsche Bundesbank, Klaus Löber Senior Adviser Market Infrastructure and Payments ECB, Daniel Szmukler Director Euro Banking Association (EBA) at
Omnisecure, the ultimative conference of the Smart ID Solutions Community under the patronage of the Ministry of the Interior (BMI), Berlin

“Making Tea on the Blockchain”
at FS Club, London
tweeted about as excellent talk and cited and again cited in articles about my talk and publication

15.2.17 “Blockchain Brexit”
at FPN Zahlungsverkehrs-Symposium, Frankfurt

27.2.-2.3.17 PSD2 for Mobile
at GSMA Event within Mobile World Congress, Barcelona

8-9.3.17 The Changing European Payment Landscape
keynote and plenary opening panel with SWIFT and KBC Bank at EPS
European Payment Summit, The Hague
published about in
Finextra “PSD2 dominates discussion in European Payments Summit”
tweeted about, again

6 & 21.3.17 “How to make PSD2 the driver of your business success”
webinar to hundreds of Worldline/Atos employees

21.3.17 ‘The future of cashless payment instruments”
by invitation of the President as “eminent and well known subject matter expert” to panel at FROB (the Retailers’ Association in Poland) at international congress on Cashless Payments, Warsaw

29-30.3.17 Digitalisierungswille: Wo sind die Stellschrauben für den Zahlungsverkehr - Europäische ZV-Marktentwicklung – Vision 2020
KURS Zahlungsverkehr 2017, IIR, Wien

18.-19.5.17 „Payment Innovation: what’s hot and what’s not ?“
"BIT - Retail Banking, Private Banking, Zahlungsverkehr”, seit 15 Jahren Fixpunkt der Bankenkonferenzen in Österreich mit über 130 Entscheidungsträger aus Banken, Stegersbach, Österreich

7-8.6.17 Harnessing FinTech Innovation in Retail Banking
Arena International, London

6.-8.6.17 “PSD2 in Practice - Past reflections on PSD2 regulatory process and future business opportunities”
Mobey Forum annual plenary event on “Democratization of Finance”, Edinburgh
promoted and promoted on LinkedIn

15.6.17 “The business potential of PSD2 ... and what to do about it”
plenary speech under “Bank Revolution” at annual
“Toekomst van het Betalingsverkeer” (Future of Payments) positioned before Amazon speaker for 300 industry representatives in the Netherlands, Amsterdam
promoted on LinkedIn, official video interview, and scripted video interview, and another unofficial one “PSD2 will change the world and unleash third party creativity in banking - interview Michael Salmony” also with blog about the talk

11.7.17 “Knowledge Share: PSD2 – Regulator forces Banks to Open Accounts to Third Parties”
Webinar to Atos consultants

31.8.17 “The Risks of the Blockchain Hype”
only speaker to have been re-invited in the event’s 15 year history at R+V flagship Re-Risc-conference “To be, or not to be ... in the cloud” with attendees from 38 countries, Kempinski Hotel Frankfurt-Gravenbruch

12-15.9.17 “This House Believes Blockchain Is A Truly Transformative Technology”
“con” debater at top event
Payments International, Europe’s longest running Payments event, with 400 attendees from 45 countries, now in its 25th year, London
promoted with my old LinkedIn

29.9.17 “Cybercrime – the most innovative area in payments”
with record number of attendees at Learning Day for Worldline Group, Frankfurt (and worldwide)

4.10.17 Open Banking Workshop
Discussion with FSA (financial regulator Japan) on connection between industry and finance for growth
4h workshop with NEC Head of FinTech and team in Executive Lounge of headquarters, Tokyo

5.10.17 Opening keynote at Panel at Cyber3 Conference, with Cabinet Office Government of Japan, Minister for Internal Affairs and Communications, Minister of Economy Trade and Industry, Dean Keio University, U.S. Ambassador to Japan, British Ambassador to Japan, Executive Chairman Hitachi, Head Technology Industries World Economic Forum, Executive Director INTERPOL, Editor Nikkei, Vice President IBM Global, Cabinet Secretariat Government of Japan, General Manager Panasonic, Professor Dept. of Information Systems and Multi Media at School of Science and Technology for Future Life Tokyo Denki University, President of the National Institute of Information and Communications Technology (NICT) and many more prestigious attendees, Keio University, Tokyo

25.10.17 Moderator of all Panels at Berlin Group’s NextGenPSD2 conference with Deputy Director General ECB, Head of Financial Services and Payments European Commission, etc at Deutsche Bank, Berlin
Berlin Group encompasses 24 major players in the payments industry from all major European Countries
Promoted on

“The Future Banking After PSD2”
in HUAWEI European flagship event
CONNECT EUROPE 2017 one of the ICT industry's leading global events with 2000 delegates, including European Commissioner, Secretary of State, etc - as leading representative at Financial forum, Berlin
leading to Journalist article in The
Telegraph UK

6-7.11.17 PSD2 als Innovative Bezahlmethode
Swiss Payment Forum, Zurich

15-16.11.17 The Business Opportunities of PSD2 (via Worldline CEO)
at “Re-Inventing Payments in the Digital Age” with Lloyds, Deutsche Bank, Swedbank, ECB, EBA etc, Frankfurt

16-17.11.17 equensWorldline Client User Group meeting 2017
moderation and presentation “The Business Potential of PSD2 … and what to do about it”, Barcelona

23-24.11.17 International Payment Forum on Payment Innovations and the New EU Regulations and its impact on the Payment Industry, Vienna

28-29.11.17 “PSD2 and Identity - How to solve the chaos we are in now”
Consumer Identity World, Paris

30.11-1.12 “The interplay between the regulatory framework and payment innovations”
by personal invitation of the Executive Board of ECB and the Governor of the Bank of Italy to be Discussant at the academic session at the European Central Bank’s conference
“The Digital Transformation of the Retail Payments Ecosystem”, with 300 people from more than 50 countries, mainly high-level policymakers, regulators, researchers and market participants e.g. Governors of Banks of Thailand/Brasil/France/South Africa/India/Japan/Spain/Bundesbank, Mastercard, Swift, European Commission, MIT etc, Rome
ECB report, LinkedIn feature by ECB, tweeted by ECB
video of session (see from 39:00)

5.12.17 Mobile/Fintech invitation-only breakfast on “the role of Mobile in the FinTech revolution”
by invitation of GSMA at their Brussels office near the European Parliament, with Member of Cabinet for Financial Stability, Financial Services and Capital Markets Union, European Commission, Head of Unit on Startups and Innovation DG CONNECT, DG FISMA, Member of Council of European Union and further business stakeholders and key regulatory stakeholders from the European institutions moderated by a Member of the European Parliament, Brussels
with video interview in European Internet Forum published by

5.12.17 Update CAPS & PSD2 Marketplace Initiative
Open Forum on Open Banking of Euro Banking Association with ECB, EU-Commission, Berlin Group, FinTechs, FIDO Alliance, etc, Brussels

5.12.17 Open Banking Summit, of FDATA Financial Data and Technology Association, with industry and regulatory speakers from Continental Europe, UK Open Banking, Russia, USA, India and Australia, London

7-8.12.17 “PSD2 and Identity”
RegTech World 2017 with focus is on digital identity as the enabler of new compliance and business requirements (KYC/Onboarding, ID-Platform, Analytics, Access management, legacy integration, incident response management, governance issues, sales-compliance dynamics…) to the Financial sector (banks, Financial services, insurance) and other industries (travel, pharma), Frankfurt

13.12.17 flown in at organisers’ expense for two panels “Open Banking: The New Frontiers” and “Australia in the context of Global Developments” at “Towards a new world of payments” inaugural Australian Payments Summit for Oceania, with Governor of the Reserve Bank of Australia, General Manager National Australia Bank etc, Sydney
citing Salmony in
Asia Retail (p.69), highlights article, featured in LinkedIn and after interview in Payments Consulting Network, panel impression, Australia can learn from Europe, fantastic panel, Australia compared to Europe/UK, India, Korea, and again, not standards but business rules, EU fed up with banks, banks not ambitious enough in Open Banking, policy should be principle based, etc


17.2.16 “mP2P - wirklich kein Bedarf und kein Business case?”
Zahlungsverkehrs-Symposium des FPN Frankfurt Payments Network, Frankfurt

2.3.16 Moderator of Public Hearing on “How can we make the most of the opportunities presented by innovation?” for the European Commission’s Green Paper on Retail Financial Services
EU Parliament
with Lord Hill and Olivier Guersent European Commission Director-General for Financial Stability, Financial Services and Capital Markets Union Retail Financial Services and Payments, European Parliament, FCA etc by personal invitation from European Commission having “extensive experience in the area of innovative financial services and understanding of the EU policy making process”, Brussels
tweet and tweet and tweet and tweet and tweet and tweet and tweet and tweet and many others under #MyMoneyEU

11.3.16 Interview with The Centre for European Policy Studies (CEPS)
on role of digitalisation strategy and innovation in creating a true single market for retail financial services for the European Commission (DG FISMA) to contribute to future policy initiatives in retail financial services as part of the roadmap following the Green Paper on this topic

15.3.16 ”Blockchain - without the hot air”
Deutsche Bundesbank, Hauptgruppe Strategie und Politik Massenzahlungsverkehr, Retail Payment Policy, Frankfurt

6.4.16 „Geplante Strategische Schwerpunkte des ERPB für 2016”
Bankenkongress, Wien

”The most business oriented and innovative sector in Payments”
Digital Payments Intensive, Addleshaw Goddard and e-finance & payments law & policy, London

20/21.4.16 "Blockchain - Modern Alchemy?“
Tomorrow’s Transactions Forum, Consult Hyperion, London
blogged about “compellingly argues that blockchains aren't the computer science breakthrough many people think” and loads of friendly tweets “@salmony #fantastic truly”, “really excellent talk”, “my hero”, “my goodness this gentleman @salmony is a smart and funny chap”, “best opening line” etc

27./28.4.16 “EU: Pushing forward major regulations on card payments, payments services, e-Money”
in The Regulatory Session “How regulation is driving, enabling or limiting market developments”, InPayCo, Toronto

10./11.5.16 “What’s the use of Instant Payments ? International considerations for global players”
by invitation of CEO to “Disruptive Financial Services: Blessing or Threat?” Annual Conference or Eurogiro (whose members from over 50 countries from Albania to Vietnam have a combined reach of more than 500,000 branches and 4 billion people), Prague

18.5.16 “What’s the use of Instant Payments ? Are we investing billions in a real-time payment infrastructure in Europe just to do P2P?”
Closing speech at EACHA Annual Payment Forum, with EPC, ECB etc, Stockholm

30.5.16 Keynote at Global eCommerce Summit
by E-Commerce Europe, the association representing 25,000+ companies selling goods and services online in Europe. It is the voice of the e-commerce sector in Europe, Barcelona

21.7.16 The Future of Retail
Equeris event with experts from Marketing and Digital space on retail innovations and industry trends, KPM Königliche Porzellan-Manufaktur, Berlin

1.9.16 “No more money - the underestimated danger of Cybercrime”
at “Megarisks: are Insurers prepared?” at international event for insurance companies, with CEO European Space Agency, TED speakers (what when antibiotics don’t work any more and Robot-assisted search and rescue), Lufthansa Flight Safety Officer, Mainz

7.9.16 “What is CAPS ?”
to Open Transaction Alliance OTA, Frankfurt

8.9.16 “What is CAPS ?”
at EBA e-APWG/OBWG meeting on open APIs and open banking, Brussels

13.9.16 “Debunking Blockchain”
at Equens Management Committee, Utrecht

26.9.16 “XS2A - How to innovate and lead in the future”
SIBOS Open Theatre (via Equens Head PM)

27.9.16 Cooperation possibilities for Bank and Mobile Industries for Identity services
GSMA Seminar, London

5.10.16 „How is Mobile Banking changing the Banking industry“
Keynote at Executive Dinner Netcentric and Adobe, Zurich/Frankfurt

6.10.16 “Proposals for making PSD2 work in practice and at scale”
at ECB Stakeholder meeting on payment initiation services with bank associations, EBA authority London, European Commission, various national central banks, EBA Association, OTA, Berlin Group, Sofort, iDeal, Trustly, PayU, Isabel, DigiCash, etc, Frankfurt

12.-13.10.16 “Debunking Blockchain”
Global Payments Summit, Singapore

20.10.16 “Blockchain without the hot air”
webinar to Equens card teams, Italy

26.10.16 High-Level Roundtable
with European Commission (Head of Unit DG Fisma, Dg Comp, DG Justm DG Grow), Amazon, eCommerce Europe

7.-8.11.16 PSD2 für Innovative Bezahlmethoden
Swiss Payment Forum, Zurich

10./11.11.16 Impulsvortrag zu “Erfahrungsaustausch zwischen Bankenbranche und ÖPNV Branche” durch stellvertretende Vorstandsvorsitzende des ÖPNV Netzwerkes kontiki eV, Leipzig

10.-12.11.16 “Innovation and Sharing"
“admired due to your high reputation” towards
3rd Annual Global Congress of Knowledge Economy, bringing together international organizations, governments, research institutes, NGOs, businesses and other groups that are interested in using indicators to support the development of economy, Qingdao, China

15.11.16 The Industry Response To The EBA Technical Standards For PSD2. What Should We All Be Doing Now? Which Areas Are Still To Be Detailed?
Strategy Roundtable with Payments UK, EBA Authority and ePIF at Payments International conference, London

21.-24.11.16 "The future of digital currencies"
panel at 6th Central Banking Workshop “Blockchain Technology – Opportunities and Challenges” with member of executive board of Deutsche Bundesbank and President of the Frankfurt School of Finance and Management, invited as “one of the most renowned practitioners on this new field” for high-ranking executives of central banks and international organizations, as well as researchers and representatives of the financial markets industry from all over the world, Bundesbank Conference Centre, Frankfurt/Eltville

30.11.16 “Business opportunities of PSD2 - and what to do about it”
at KIR annual conference with European Banking Authority, Polish Banking Society etc, Copernicus Centre, Warsaw

1.12.16 “Making Tea on the Blockchain”
keynote at FS Club, after welcome speech from Mieczysław Groszek, PhD, Vice President of The Polish Bank Association and Piotr Włodarek, Chief Technology Officer, Kontomierz Poland, The Bankers Club, Warsaw

13.12.16 “Brexit - Outlook for the City and London Fintech”
panel with Liz Oakes, Director, Management Consulting, KPMG UK; Simon Bailey. Director, Payments and Transaction Banking, CGI; and Lawrence Wintermeyer, CEO, Innovate Finance, London

19.12.16 “Business implications of PSD2 and CAPS Open Framework”
at FBF French Banking Federation, Paris


13.1.15 Cross-Industry Dialogue
between telecoms and banking industries on regulation, London

eIdentity through PSD2
Omnicard Conference on smart ID solutions, Berlin

27.1.15 AAB Workshop on PSD2 and Innovations, Amsterdam

3.2.15 B2B or not to B2B
BoD and Management Meeting, Utrecht

10.2.15 SEPA 1.0 & 2.0 (via CEO)
and Access to Account - new possibilities for payment service providers
at Zahlungsverkehrs-Symposium, Frankfurt Payment Network, with Bundesbank, Commerzbank, AT Kearney, Frankfurt

3-4.3.15 Regulation for non-centralised Banks
UNICO Learning Journey Seminar, Frankfurt

9.3.15 Unexpected new developments in Cybercrime
14th EPCA Payment Summit with ECB etc, Brussels

10.3.15 Status, plans and critical issues on ERPB working group on mobile P2P payments
at EACB Workshop on Instant Payments, Brussels

17.3.15 How PSDII could transform the payments industry
Panel with IKEA, Mastercard, PayPal and Deutsche Bank at Payments International/IPS Payments Regulation Boot Camp, London

18.3.15 “The most professional and business-oriented sector in payments” (it’s Cybercrime)
Tomorrow’s Transactions Forum, London

23.3.16 “Open APIs and Open Banking”
invited by EBA Director to e-APWG, Paris

16.4.15 PSD2 - advantages for banks to open up
Opening keynote at
Digital Payments Intensive by e-Finance & Payments Law & Policy in partnership with corporate law firm Addleshaw Goddard. Key figures, from business and legal backgrounds discuss the most pressing issues at present in the payments sector. With Managing Director of the UK Payment Systems Regulator, along with senior representatives from the ECB.

22.4.15 The Future of Payments
at SWIFT Business Forum during AGM 2015, with Bundesbank, Deutsche Bank, Commerzbank, DSGV and Metro, Frankfurt

29.4.15 Open Innovation: How to survive in the modern world
Opening Keynote speech at EPF - EACHA Payment Forum, Hotel Quirinale, Rome

4.5.15 European Mobile P2P Payment
BVR ad-hoc EPC e/m-Payments, Frankfurt

4.5.15 Moderation of Future of Payments Workshop
with 20 top German corporate treasurers (BASF, Deutsche Post, E-Plus, Merck, PwC etc), banks and consultants, Wiesbaden

11.5.15 Moderation of Future of Payments Workshop
with Statoil and consultants, Oslo

18-19.5.15 Cyber Security Threats to Financial Services / Cyber Crime: Economic Impact and Trends
invitation by World Bank to Financial Sector Advisory Center (FinSAC) seminar on cyber preparedness in the Europe and Central Asia Region, Vienna

1.6.15 “The most business oriented and the most innovative sector in payments”
to German, Italian, Dutch and European Works Council, Utrecht

2.6.15 Innovation in FinTech
panel at NACHA’s (North American ACH Electronic Payments Association) Payment Innovation Alliance PIA, with Finextra’s Multimedia and Special Projects Editor, Currency Cloud’s Chief Commercial Officer, Holvi, Barcelona

4-5.6.15 Policy session “How best to reconcile the regulatory agenda and innovation?” chaired by Pierre Petit (Deputy DG)
personal invitation by European Central Bank Head Market Integration Division, DG Payments and Market Infrastructure to joint ECB and Suomen Pankki (Bank of Finland) conference in session with Head of Oversight Division ECB, Chair of EPC, European Commission DG Competition, Central Bank of Italy in “Getting the balance right: innovation, trust and regulation in retail payments”, Helsinki

30.6.15 Anwendung von Instant Payments - was hat der Nutzer davon ?
ibi Seminar
“Instant Payments: eine Revolution im Zahlungsverkehr”, Frankfurt

1.9.15 “Security of Retail Payments: How to be and stay one step ahead of criminals”
by invitation of the Committee on Payments and Market Infrastructures and the World Bank to the 5th CPMI-World Bank Retail Payments Forum, Istanbul.

1.9.15 Moderation of Future of Payments workshop with Citi bank and KPMG, Frankfurt

8.10.15 “European Trends in eInvoicing”
at DZ BANK Seminar, Frankfurt

8.10.15 Conference on Payment Services
by recommendation/invitation of EPC Director General to be held in Ljubljana, Slovenia

14-15.10.15 “Mobile P2P payments in Europe and beyond – is harmonization just a dream?”
Fourth Annual Mobey Day, with 250+ delegates from the digital finance industry, hosted by CaixaBank, Barcelona
tweeted about, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, and again, ...

4-5.11.15 “The European Regulatory Ecosystem”
Keynote in “The policy and regulatory context for digital/mobile payments in advanced economies” and panel of
International Payment Conference InPayCo, Paris
tweeted about, and again

5.11.15 Unusual Results of Future of Paying Workshops
Equens Client User Group Conference, Lisbon

11.11.15 Instant Payments
Podiumsdiskussion The Future of Cash Management, Verband Deutscher Treasurer, Frankfurt

27.11.15 “Use cases for PSD2 – the good, the bad and the downright ugly”
PSE Merchant Acquiring Conference, London

1.12.15 PSD2 - Pending Challenges and Hidden Opportunities
European Payments Regulations conference with DG FISMA, PSR, ECB, EBA EPCBank of England etc, London

10-11.12.15 Cards & Payments Innovation Summit, Berlin

16.12.15 “Blockchain technology for payments: a real game changer or a short-lived illusion?”
by personal invitation of EPC General Director, EPC General Assembly (i.e. all European banks) Business Session, with BCG, Central Bank Banco de España, Mark Buitenhek Global Head Transaction Services of ING etc, Brussels


15.1.14 Round Table on PSD2
For leading European payment processors and several of McKinsey's most senior payment partners, initiated by Equens and McKinsey, Frankfurt

6.2.14 Strategy Session with senior business executives of ABN Amro Bank
Utrecht, NL

17-18.2.14 EISB Equens Innovation Sounding Board
Host, moderator and talk on “Real Mobile Value-Adding Payment beyond NFC”, Berlin

19.2.14 Mehrwertdienste durch Mobile
Vortrag vor BVR EPC E-M-Payments ad hoc team, Berlin

12.3.14 PSDII & Access to the Account Expert Session
with European Commission (DG Comp, DG Markt), ECB etc at
EPCA Payment Summit, Brussels, Belgium
Quoted twice in
video interviews

7th international Equens Cards and Payments Conference
Moderator of Innovation Day and talk on Access to Accounts, Stockholm, Sweden

19.3.14 “Paradigm Change in Payments - Open Payments to Third Parties”
“Tomorrow’s Transactions” Forum, London

20.3.14 "Auswirkungen auf die Geschäftsstrategie durch die PSD2" in “Strategische Auswirkungen auf den Zahlungsverkehr”
im Track “Finanzinnovationen” und Abschluss-Plenums-Podiumsdiskussion
at Premium Conference on Innovations in the Banking Industry (CIBI) on
"Eine neue Welle von Innovationen bei Finanzdienstleistern", Munich

1.-4.4.14 IPS London
“The Future is coming ... get busy”
3.4.: Facilitator of Unconference
4.4.: Member of final panel: Crowdsourcing IPS 2015 - With The IPS Advisory Board

6.5.14 Thomas Ullrich (DZ Board Member) cites Salmony Analysis in “Internetkonzerne als Banken von morgen?”
Konferenz zum Thema „Finanzdienstleister der nächsten Generation – Die neue digitale Macht der Kunden“, Frankfurt School

7.5.14 “PSD2 and Access to Accounts”
EBA Electronic Alternative Payments Working Group, Paris

21.5.14 Implication of Access to Account Regulation for ACHs
EACHA Annual Payment Forum, with ECB, chair of EPC, CEOs of major European Processors, Vienna

27.5.14 “Coalitions of the Willing on XS2A”
at Equens BoD and Top Management meeting, Utrecht, NL

5.-6.6.14 Keynote “PSD2: Liberalisation of Payments through Regulation”
and Moderation of Workshop on “Die Zukunft der Karte – Das richtige Zahlungssystem für ‘digital natives’”
PayComm Meets Europe Conference, Stromberg. Much tweeted about and extensively blogged about - “the best talk of the event”, “the best slide ever”

6.14 Diverse meetings at ING (PSD2 Week Kick-Off), ABN AMRO (Supervisory Board), OP Bank (Future Strategy) etc

Presentations on
“The Future of Mobile”
and “Conditions for Success of Opening Payments Accounts to Third Parties”
with DG Markt, Brussels

18.6.14 Breakfast with Finance Attachés (advisers to European Council of Finance Ministers) on PSD2

9-11.14 Moderation of Workshops on “Future of Payments” with Business Centre, Equens

10.9.14 “Was kommt nach SEPA?”
Vortrag & Diskussion mit Firmenkundenvertrieb DZ Bank, Frankfurt

27.9.14 Latest Developments on Payments Innovation: Fraud and Cybercrime
IPFA General Meeting with international central banks, Federal Reserve Bank, Boston, USA

29.9.-2.10.14 SIBOS
Boston, USA

16.10.14 “Letting the hordes in: third parties to have access to your bank account thanks to PSD2"
at the Worshipful Company of Pewterers, Pewterers’ Hall, by
Financial Services Club, London

28.10.14 “On the most business oriented, most innovative sector in Banking”
at Equens BoD Meeting, Utrecht

10.11.14 “Paradigmenwechsel durch Digitalisierung - Lessons learned auch aus der Finanzwirtschaft”
als einziger Sprecher bei “Digitalisierung” Event der Deutschen Bahn neben Konzern-CIO, auch Podiumsdiskussion, Berlin

1.-2.12.14 “Why standards are overrated in business / Perché gli standard sono sopravvalutati per le imprese” in “International Trends and Standards / Trend e Standard Internazionali” Keynote and Panellist
CBI Conference on “Integrated multichannel services for digital public administrations, corporates and citizens”. The main Italian event for the international community of payment and financial services, playing a key role for structural, technological, strategic and business issues, with banks, corporates, and public administrations, Rome

9.-10.12.14 Mobile Technology in Japan
Mobey Forum, Vienna


21.1.13 “Payment Innovations”
at Equens Academy College, Utrecht

13.2.13 CEO Talk “Innovationen, Trends, Herausforderungen, Nutzen” (via CEO)
at BVR Fachrat Zahlungsverkehr

27.2.-1.3.13 “Comparing Innovations in the Automobile and Banking/Payment Industries”
and leading of innovation day, including moderation of multi-table innovation in banking discussion, 6th International Equens Cards and Payments Conference, Geneva

22.3.13 “Neuentwicklungen im Zahlungsverkehr – welche Innovationen bringen Mehrwert?”
Euroforum Seminar “Zahlungsverkehr: Produkte Infrastrukturen Prozesse SEPA”, Frankfurt a. M.

20-22.3.13 “Transactions: where should we go from here. Open your Mind, Open Payments”
Keynote Closing Plenary Speech at EPCA Payment Summit bringing together top professionals and thought leaders from all over the world, Egmont Palace, Brussels. See video interview

8.4.13 “What Does The Past Tell Us About The Future of Money?” Balloon Debate at “Tomorrow’s Transactions Forum”
10.4.13 Leader of roundtable on “The Future of Payments”
IPS 2013, Europe’s most prestigious payments forum, London.
Blogged about with photo as the “voice of reason”

14.5.13 EISB - Equens Innovation Sounding Board
Initiation, moderation and talk with industry thought leaders, Utrecht

6-7.6.13 “Why Regulations is a good thing”
closing speech at
PayComm meets Europe, Wiesbaden

6.6.13 for EPC Chairman: “The SEPA Project Europe”
7.6.13 Moderator of Workshop “Leapfrogging Opportunities - taking advantage of having no payment legacy”
and Keynote
“Europe’s Leapfrog - Jumping Ahead with “Access to the Account””
Global Payment Summit Bridging Global Strategic Developments in Payments, Singapore with Worldbank, Gartner, Microsoft, McKinsey, Citi Bank etc, Singapore. See pre-summit video interview and post-summit opening statements at “Strategic Trends identified at Global Payment Summit” video and report

18.6.13 “Toekomst van het Betalingsverkeer” (via BCC exec Evelien Witlox)
at NL Payments Summit

20.6.13 CEO talk “Die Zukunft des Zahlungsverkehrs” (via CEO)
bei der 69. Bankwirtschaftliche Tagung des BVR, Berlin

20.6.13 “Innovations in Payments”
Equens Academy College, Utrecht

19.7.13 “Open Payments - what to expect from new regulation”
Capgemini Payments Community of consultants, Worldwide Live Meeting

29.8.13 “Cross-Industry View on Open (Payment) Systems”
as “Industry Strategist” at
“Access to Account” day, Innopay, Brussels
cited in Innopay blog

17.9.13 “Co-Regulation: The way forward for Market Infrastructures in Regulation” (via CEO)
Panel at World’s largest payment conference SIBOS, Dubai
quoted extensively in SWIFT media

26.9.13 “Neuentwicklungen im Zahlungsverkehr – welche Innovationen bringen Mehrwert?”
Euroforum Seminar “Zahlungsverkehr: Produkte Infrastrukturen Prozesse SEPA”, Frankfurt a. M.

30.10.13 "Wem gehört zukünftig das Online Banking bzw das Konto?”
Impulsvortrag, ERFA Kreis der Top VR Banken und Execs der DZ Bank, Frankfurt

14.11.13 “The need for Innovations – in Payments, Banking and for Everybody”
Keynote opening speech at Enigma Customer Event ‘Finance meets Marketing - Discover your opportunities through innovations in payments and SEPA’ with Top Management from major non-bank industries, Bomencentrum, Baarn, NL

18.11.13 “Innovations in Payments - Introduction and Overview of latest Trends”
& “Innovations in Payments - Masterclass”
at Equens Italian Management Board and Academy College, Milan

19.11.13 “Controlled Access to Bank Accounts - The Future is Open”
at EPC Co-ordination Committee offsite with European Bank and EPC executives, European Commission DG Markt and European Central Bank speakers, Château du Lac, Genval, Belgium


26.1.12 Zukunft von Mobile Payments Commerzbank Mittelstandsbank und weitere Führungskräfte, Frankfurt

12.3.12 International Payments Summit IPS, London
• The Future of Money “Is it now time to get rid of cash?” with President Russian e-Money association
• Keynote opening speech (for CEO) “Reconsidering the traditional way of working in the payments market”

“Infrastructure Convergence and Innovation” Expert Session “Are we becoming Over-Infrastructured?” at 11th International EPCA Summit “Rethinking Transactions: Fostering Europe’s Digital Agenda” with EU Commissioner Neelie Kroes, Rita Wezenbeek (Head of DG Competition Unit, Payment Systems) etc, Rome

26.-27.4.12 5th International Equens Cards & Payments Conference, Oxford
• “Third parties alone can deliver payment innovations Europe needs” con-Debater at Oxford Union (winner)
• “Japan - Surprises about mobile payment and technology in Asia” talk

27.4.12 “Innovationen und Neuentwicklungen im Zahlungsverkehr: Welche Innovationen bringen Mehrwerte ?” at Seminar Zahlungsverkehr Produkte - Infrastrukturen - Prozesse of IFF International Faculty of Finance, IIR ZV Seminar, Frankfurt

8.5.12 “Banking and Payments in Europe”
lecture at National Institute of Informatics, National Center for Science, with Government advisor Dr Ryoichi Sasaki, Tokyo

25.5.12 “Why is the use of Cash persisting ?” invited lecture at Gakushuin University Research Institute of Economics and Management with delegation from Treasury Division, Japan Monetary Authority, National Finance Bureau, Managing Director of the Japan Mint, the National Printing Bureau and the Ministry of Finance, Tokyo

31.5.12 “The Future of Payment” PayComm meets Europe conference, Frankfurt

21.6.12 “Mobile Payments - bezahlen wir alle in Zukunft mit dem Handy ? Chancen und Risiken” Universität Freiburg, Institut für Informatik und Gesellschaft, Freiburg

26.6.12 “Mobile Banking”
Vereinigung der Repräsentanten ausländischer Banken in Deutschland e.V. (VRAB,, Deutsche Bundesbank, Frankfurt a M

5.9.12 “Innovationen und Neuentwicklungen im Zahlungsverkehr: Welche Innovationen bringen Mehrwerte ?” at Seminar Zahlungsverkehr Produkte - Infrastrukturen - Prozesse of IFF International Faculty of Finance, IIR ZV Seminar, Frankfurt

6.9.12 “Wat is de rol van regelgeving?” (What is the Role of Regulation ?)
closing speech at Event for Financial Service Agents, Utrecht

20.9.12 “Weltweite Trends in Mobile Payments - was ist das Richtige für Europa ?”
Online- und Electronic Banking Forum der Sparkassen-Finanzgruppe, Petersberg, Bonn

26.9.12 CEO Talk “Innovationen, Trends, Herausforderungen, Nutzen” (via CEO)
at major strategic Allfinanzbeirat of DZ BANK, Wiesbaden

29.10.-2.11.12 “EISB - Equens Innovation Sounding Board” (via Sales directors)
at world’s largest banking event SIBOS, Osaka, Japan

30.10.12 & 8.11.12 “Innovationen im Zahlungsverkehr”
at Equens Academy, Frankfurt & Stuttgart

6.11.12 “Paradigm Shift through Innovations in Payments”
to consultants at Roland Berger, Frankfurt

12.11.12 “The talent challenge in the payments industry
Interview as one of selected industry executives with principal of Heidrick & Struggles (Worldwide executive search firm, specializing in chief executive, board of directors and senior level management assignments) and partner of Value Partners Management Consutling for research report, London

“e-Invoicing considered from a (typical?) SME”
at UKeAG, at BIS, London

22.11.12 “Reconsidering the traditional way of working in the payments market” (Via Francesco Nespola)
on Equens Innovation Sounding Board and Equens Innovation Framework at CBI Conference, Rome

26.11.12 Interview on Future of Payments
by A.T. Kearney Partner as Market Expert for their Management Study

28.11.12 “Analysing the Relationship between Payment Systems and Cash Collateral in Light of the Intra-day Liquidity Risk Regulations”
Panel at
Intra-day Liquidity Risk conference with Bank of England, J P Morgan, British Bankers Association, Deutsche Bank etc., London

4.12.12 “Die Zukunft des Zahlungsverkehrs”
Podium at
“The Future of Cash Management”, Frankfurt

x.x.12 “Technology in Japan - mobile and beyond - is everything better in Asia ?” at Mobey Forum, the leading global organisation between banks, telecommunications companies, payment processors and vendors, Brussels


1.3.11 eSEPA Update to EACB PSWG, Brussels

2.3.11 “Is Asia the Future?” in “Leading Edge” at
Digital Money Forum, London - twitted and blogged about

21.3.11 Participant in Digital Money Debate “Is it now time to get rid of cash” at “Cash is Dead - Long Live Digital Money” summit within the International Payments Summit
IPS, London

14.-15.4.11 Moderator of Panel on “Strategic Choices in Payment Processing” with Citi, RBS, BCG at 4th international Equens Cards & Payments Conference, Barcelona

9.5.11 “The True Threat of Mobile - as seen from the Grand Unified Theory of Everything (for retail payments in developed countries)” at BVR (German cooperative banking association) workshop on mobile payment strategy, Düsseldorf Quoted by BVR in presentation on 5.9.11

29.6.11 Keynote, Moderation and Management Equens Innovations Sounding Board, Stuttgart

10.8.11 “Die Zukunft von Mobile Payment” Operations & Services Bereichsleiter DZ BANK, Frankfurt

30.8.11 eSEPA Innovations Update to EACB PSWG, Brussels

9.9.11 Keynote, Moderation and Management Equens Innovations Sounding Board, Palazzo Altieri, Rome

28.9.11 ”Mobile Payment in Europe - Five Controversial Hypotheses” Dinner speech at Executive Event “Perspectives on Mobile Payment”, PA Consulting Group and Frankfurt Payment Network, Villa Kennedy, Frankfurt -
tweeted about

6.10.11 “Theorie und Praxis: Zum Marktführer der Industrialisierung eines Geschäftsfeldes in Europa” und Talk Runde mit Prof. Penzel, Fraunhofer Gesellschaft und Banken im 3. Capgemini-Kundenforum für Banken “Industrialisierung: Auswirkungen auf Geschäftsprozesse und IT”, Eltville

13.-14.10.11 “Mobile Payments” at Equens Client User Group, Budapest

17.-18.10.11 “Cash is King - how (not) to get rid of paper” Opening Keynote at 3rd international forum
“Cash Circulation & Self-Service Banking and Retail CIS 2011”, Moscow, Russia - published on YouTube

19.10.11 “Japan - Some Surprises about Mobile Payment and Technology in Asia” Business & Operational Excellence in Payments conference,  London

8.11.11 “Innovationen und Neuentwicklungen im Zahlungsverkehr: Welche Innovationen bringen Mehrwerte ?” at Seminar Zahlungsverkehr Produkte - Infrastrukturen - Prozesse of IFF International Faculty of Finance,
IIR ZV Seminar, Frankfurt

11.11.11 “Update EPC eCommerce and ePayment” at Deutsche Kreditwirtschaft SpAG “e- & m-Payments im EPC”, BVR, Berlin

16.11.11 “Geschäftsbanken und Innovationen im Zahlungsverkehr” Podiumsdiskussion mit Vorständen von DSGV, BVR, Atos bei Payments Konferenz “Wie zahlt der Kunde der Zukunft?” im Rahmen der
14. Euro Finance Week, dem größten Branchentreffen der Finanz- und Versicherungsindustrie in Europa, Schirmherrschaft Bundesfinanzminister Dr. Wolfgang Schäuble, Frankfurt

2.12.11 “EISB – Gestione industrial delle innovazioni” (“Equens Innovation Sounding Board - Industrial Management of Innovations”
Keynote speech at opening session of
CBI Corporate Banking Forum, the main Italian event for the whole international community of financial services, ABI convention centre, Milan
12-13.12.11 “Business Intelligence - Exploring Payment Data for New Services” to subgroup of EISB, London Keynote, Moderation and Management Equens Innovations Sounding Board, London


19.1.10 "eSEPA - der Turbo für den Zahlungsverkehr mit Internet und Mobile" Leitung Fachforum am Eröffnungstag der
Omnicard 2010, by a long way the most significant conference of its kind in Europe, Berlin

3.3.10 "Cash is King - or isn't it ?" Opening speech at
PayComm, Utrecht

8.3.10 Innovations in Payment Services and Payment Delivery Channels Round Table at
IPS, the most significant payments conference in Europe, London

10.3.10 "You're All Crazy, Cash is King"
Digital Money Forum, with MIT, Google, The Bill & Melinda Gates Foundation, Citi, Barclaycard, the Future Foundation, American Express, SWIFT, the British Retail Consortium, Vodafone, Orange etc., London. Quoted in whittering American blog

11.3.10 "Innovations in Bank Retailing" at
Financial Services Club with IBM Global Business Services, Credit Suisse Entrepreneur of the Year and an MNO CEO (founder of M-PESA), London

20.4.10 Keynote+Panel: "The next wave of payment innovation"
MEFTEC, The world's premier Financial Technology event for Emerging Markets, under Central Bank of Bahrein, 500 attendees from 30 countries, Bahrain

11.6.10 "Why Regulation, European Bureaucracy, Death & Taxes are brilliant" 3rd International Equens Cards and Payments Conference, Brussels

22-24.9.10 "Parallels between Energy & Banking Industries" at
Metering, Billing/CRM Europe conference, Europe's top event with 3000 professionals, Vienna

13.10.10 “e-SEPA - State of Payment Innovations in Europe” at EACB Payment Systems Workshop, Brussels

27.10.10 “Retaining Control while Outsourcing Corporate Payments” Open Theatre Presentation at the world’s premier financial services event
SIBOS, Amsterdam

3.11.10 “Kritische Alternativen im Mobilen Bezahlen” Workshop des BVR (Bundesverband der Volks- & Raiffeisenbanken), Berlin

10.11.10 “Current and Future Trends” SEB Strategic Management Meeting, Stockholm

17.11.10 "Payments - A View from Continental Europe"
Payments Executive Day, with PayPal, Barclaycard, Edgar Dunn etc., London

23.3.10, 21.9.10 and 8.12.10 “Innovationen und Neuentwicklungen im Zahlungsverkehr” at Seminar Zahlungsverkehr A-Z und ZV update of IFF International Faculty of Finance,
IIR ZV Seminar with Deutsche Bank and Commerzbank, Wiesbaden

older talks