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What is this event about?

Join us at the premier event for those involved in the card markets of Central and Eastern Europe!

"The CEE region remains one of the most attractive for investment, due to its outstanding potential for growth. Its card and payments markets are no different."

With the longer-term effects of the economic crisis still uncertain and with constantly evolving technology and regulation there has never been a more crucial time to be aware of the issues facing the market.

Attend this conference to discover and network with the key personnel; from local and Central banks to the foremost experts in the industry - learn about the big issues from the people who really know.  

SAE Media Group’s 7th annual Central and Eastern European Card Markets conference will shine a spotlight on the region and this rapidly advancing card market.


 Why should you attend this event?

Learn from the industry's leading pioneers and take back new approaches to your work!

Key areas covered:


  • Analysis from the regional experts within CEE  
  • Innovation within CEE markets, including mobile payments and contactless technology
  • New advances and challenges in the fight against fraud 
  • Retailer's perspectives on the payments market
  • Loyalty programmes in the CEE area 

How you will benefit:

Update your knowledge on CEE card markets and all the key developments over the last 12 months with our case studies from a selection of countries in the region

Learn, through firsthand accounts, what the big issues are and what they mean for your organization: How to tackle fraud; how to establish effective loyalty programmes; what new technology means for the marketplace – it’s all here!

Evaluate the latest trends and developments in the industry – How are markets for payment cards weathering the economic storm? What demographics present the greatest opportunities?

Discover what the future holds in this rapidly evolving market and navigate the impact of new regulation and technology

Network with all the key personnel in CEE area card markets


Confirmed speakers include:


Andras Bakonyi, Head of Credit Cards, Magyar Cetelem Bank/BNP Paribas Personal Finance

Milosz Brakoniecki, Director, Direct Banking & Retail, Bank Zachodni WBK/Santander Group

Baris Cosan, Co-ordinator, Cards Fraud & Authorization, Credit Europe Bank

Mikko Haikonen, Senior Manager, Nokia Solutions, Nokia Corporation

Ilgaz Kaya, Director, Cards Department, GarantiBank Romania

Jiri Kejla, Product Development Manager, Credit Cards, GE Money Bank

Piotr Kubien, Head of Financial Services & Insurance, Tesco Poland

Koen Maegherman, Country Manager, KBC Consumer Finance, K&H Bank

Andreas Melan, Group Payments Card Manager, IKEA

Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Piotr Kubien

Piotr Kubien, Head of Financial Services & Insurance, Tesco Poland

9:10 A retailer's view on the payment industry in Europe

Andreas Melan

Andreas Melan, Group Payments Card Manager, IKEA

  • Split & protected vs. competitive markets,
  • What are the consequences for consumers and retailers?
  • True cross border acquiring: a prerequisite for development
  • Assessing the risks of a one-size-fits-all approach with no differentiation
  • 9:50 From grocery to banking: how the cards have changed retailing

    Piotr Kubien

    Piotr Kubien, Head of Financial Services & Insurance, Tesco Poland

  • How it has started and evolved
  • Supporting the core business
  • Dual-role  of retailer: Merchant vs issuer perspective
  • What’s in it for customers?
  • Future trends – is there a next phase?
  • 10:30 Morning Coffee

    11:00 Overview of the Polish debit cards market

    Milosz Brakoniecki

    Milosz Brakoniecki, Director, Direct Banking, Retail Banking Division, Bank Zachodni WBK / Santander Group

  • Who are the key players and what are the main business factors influencing Polish market?
  • Acquiring market development as a chance to “jump ahead”
  • Examining innovative payment services (contactlss, mobile) as a business driver of the debit card market
  • The internet card payments challenge: what will the future hold?
  • Experiences of incentive schemes  (including multi-partnership programmes)
  • 11:35 Opportunity: innovation and risk in the Czech loan and credit card market: examining the landscape of one of CEEs largest card markets

    Jiri Kejla

    Jiri Kejla, Product Development Manager, Credit Cards, GE Money Czech Republic

    12:10 Rapid non-disruptive implementation of new solutions for loyalty mobile contactless and fraud management

    Nigel Cox

    Nigel Cox, General Manager Europe, BPC Banking Technologies

    12:45 Networking Lunch

    13:45 Overview of the Hungarian credit cards market

    Andras Bakonyi

    Andras Bakonyi, Head of Credit Card Department, Magyar Cetelem Bank / BNP Paribas Personal Finance

  • Examining past trends
  • Assessing current figures
  • Predicting future opportunities & challenges
  • 14:15 Panel Discussion: Assessing the opportunities and challenges facing CEE card markets

  • What is the outlook for the various card markets of the CEE region?
  • How are they weathering the financial crisis of the eurozone?
  • What new technologies and developments are likely to have the greatest impact?
  • Which markets or market sectors present the greatest opportunities?
  • Where are the greatest risks?
  • Ilgaz Kaya

    Ilgaz Kaya, Director, Cards Department, Garanti Bank Romania

    Piotr Kubien

    Piotr Kubien, Head of Financial Services & Insurance, Tesco Poland

    Andras Bakonyi

    Andras Bakonyi, Head of Credit Card Department, Magyar Cetelem Bank / BNP Paribas Personal Finance

    Milosz Brakoniecki

    Milosz Brakoniecki, Director, Direct Banking, Retail Banking Division, Bank Zachodni WBK / Santander Group

    15:00 The fight against fraud: Is the target to stop or to optimize?

    Baris Cosan

    Baris Cosan, Co-ordinator, Cards Fraud & Authorization Department, Credit Europe Bank (Romania) SA

  • Examining the general market approach to fraud
  • How do the banks approach fraud?
  • Looking at the cardholders perspective
  • Charting merchant behaviour and training
  • Overview of e-commerce acquiring fraud implementations
  • SSL vs. 3-D Secure
  • System requirements according to the market
  • What are the steps towards implementation? 
  • Additional services to consider
  • 15:40 Afternoon Tea

    16:00 Case Study: Learning from the fraud prevention experience in Western Europe

    Erwin Petsch

    Erwin Petsch, Advisor to CEO, Paymint AG

  • Reviewing the 'fraud hype' in Western Europe late 2009 and early 2010: was it justified?
  • What lessons can be taken from the experience?
  • Suggestions for future improvements to the system
  • How can we run a stable and controlled fraud shop?
  • 16:30 Romanian card market outlook

    Mihai  Voicu

    Mihai Voicu, Payment and Securities Settlement Systems Oversight Division, The National Bank Of Romania

  • Overview of legal aspects
  • New developments in Romanian cards market
  • A comparative analysis


  • 17:00 Chairman’s Closing Remarks

    17:05 Close of Day One

    8:30 Registration & Coffee

    9:00 Chairman's Opening Remarks

    Erwin Petsch

    Erwin Petsch, Advisor to CEO, Paymint AG

    9:10 Towards a cashless society

    Tonu Ots

    Tonu Ots, Head of Card Issuing and Product Delivery, Swedbank (Estonia)

  • Supporting the environment for a successful journey towards a cashless society
  • Reviewing market orientation and development 2000-2010
  • Examples of successes
  • Establishing a time-frame for the cashless society
  • 9:50 Case Study: The Czech Republic's first NFC mobile payment project

    Sirus Zafar

    Sirus Zafar, Head of Cards, Komercní banka / Societe Generale Group

  • Introducing the project and outlining the 6 month pilot's remit, goals and participants
  • Contactless cards versus NFC mobile payments – advantages and disadvantages of each
  • Exploring the business potential of mobile payments – are payments sufficient or do customers expect more?
  • Facing the reality: results of the pilot project
  • 10:30 Morning Coffee

    11:00 Mobile easypay: not only .gr

    Constantine  Stivaros

    Constantine Stivaros, Head of Self-Service Banking & eBusiness Development, Piraeus Bank

  • Exploiting an existing web-billing platform via cards
  • Building new service functionality for mobile
  • Targeting existing and new customers
  • Completing the multichannel offering
  • 11:40 Remote personalization: an opportunity to improve your service to cardholders

    Alain Martin

    Alain Martin, Marketing Manager, Secure Transactions Solutions & Services, Gemalto

  • Proximity of personalization services
  • Cost sharing
  • Effectiveness for urgent card creations
  • 12:20 Networking Lunch

    13:20 Panel Discussion: What are the real prospects for contactless and mobile technology in CEE payments markets?

  • In which markets is the technology already establishing itself?
  • In which markets is the technology still embryonic or only a 'pipe-dream'?
  • What are the benefits and drawbacks of contactless/mobile payments in CEE markets?
  • What technology is the most reliable? What are the problems with the less reliable technologies?
  • How are the successful operators establishing themselves in the market?
  • What are the main threats to such technology being successful?
  • How can these threats be mitigated?
  • What will be the uptake in 5 years time?
  • Sirus Zafar

    Sirus Zafar, Head of Cards, Komercní banka / Societe Generale Group

    Erwin Petsch

    Erwin Petsch, Advisor to CEO, Paymint AG

    Constantine  Stivaros

    Constantine Stivaros, Head of Self-Service Banking & eBusiness Development, Piraeus Bank

    14:10 Implementation of a loyalty programme for payment cards in a developing market

    Ilgaz Kaya

    Ilgaz Kaya, Director, Cards Department, Garanti Bank Romania

  • The cards market outlook in Romania
  • Building the environment. What are the challenges?
  • Key factors to make the programme successful
  • Future. What are the next steps?
  • 14:50 Afternoon Tea

    15:10 Consumer finance 2011: Eastern Europe Regional Preview

    Margareta Vili

    Margareta Vili, Research Analyst, Euromonitor International

  • Eastern Europe Consumer Finance Snapshot
  • Spotlight on largest markets
  • Current trends and innovation
  • Future outlook
  • Q&A
  • 15:45 Case Study: BCR loyalty programme

    Anca Diana Sultanovici

    Anca Diana Sultanovici, Head of Business Development - Cards Division , BCR-Banca Comerciala Romana

  • Loyalty and customer perception
  • Loyalty programmes
  • Points accumulation
  • Points redemption
  • BCR cards loyalty programme
  • History
  • The power of loyalty: results, examples
  • Multi-merchant rewards scheme
  • How loyalty can generate a WIN–WIN–WIN situation for the bank, the merchants and the cardholders
  • Channels, features, integration
  • 16:25 Case Study: Cross-loyalty / MNVO project implementation in Serbia

    Amit Vujic

    Amit Vujic, CEO, ePlus Systems

  • Cross-loyalty models and challenges
  • MVNO introduction and WOW effect
  • Serbian market-specific challenges & issues
  • How to identify and secure key partners
  • To converge or to merge?
  • Assessing the various business models
  • 17:00 Chairman's Closing Remarks and Close of Conference


    Sheraton Sofia Hotel Balkan

    5 Sveta Nedelya Square
    Sofia 1000

    Sheraton Sofia Hotel Balkan



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    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.


    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.


    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SAE Media Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.


    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

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    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@saemediagroup.com

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