10 April 2019, Sofia Event Center, Cherni Vrah Blvd 100
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The event

21st Finance Tech Forum


April 10, 2019

Sofia Event Center, Alfa and Panorama halls

ICT Media & ISACA-Sofia Chapter

With the cooperation of: Financial Supervision Commission, Association of Banks in Bulgaria, Association of Bulgarian InsurersBulgarian Association of Supplementary Pension Security Companies

“Digitalization” has become more than just a buzzword for drawing attention to products and services. Information technologies are changing every industry and finances are no exception. The digital revolution continues to change traditional financial institutions and the transformation is on all levels – from business models and strategies through the applicable regulatory framework to meeting the end client’s needs.
A lot of the Bulgarian financial institutions have been following the trends for years now and are taking all the necessary steps to adapt to the latest technologies in a timely manner. They have significantly changed their business strategies and are increasingly committed to developing and providing a wide range of innovative services and tools to meet the growing customer demands for personalization, experience, speed, and security.

The traditional providers of financial services are creating, acquiring or partnering with FinTech companies in order to achieve high end-user satisfaction. In the same time, blockchain technologies (and cryptocurrencies in particular) are increasingly causing discussions about their place in the context of the traditional financial institutions and the sector is already getting less suspicious of such innovative technologies.

The regulatory and institutional environment of the European Union regarding the financial field also plays a major role in the industry’s change, as the work of the lawmakers continues towards ensuring a stable and secure digital financial ecosystem in a state of open communication between providers of financial services. The implementation of the revised Payment Service Directive (PSD2) is in the limelight as well as the Regulatory Technical Standards that are expected to become applicable in September 2019.

For 21st consecutive year, the Financial Tech Forum organized by ICT Media and ISACA Sofia Chapter, will gather financial institutions and technology companies to look into the metamorphosis of the industry, to answer the questions that matter to the sector and to highlight the topics that will shape the evolution of the next-generation financial institutions.

Who will attend the conference:
This forum targets representatives of the banking and non-banking financial sector: banks, insurance companies, pension insurance companies, regulators, payment operators, financial brokers, microcredit financial companies, including online consulting firms, leasing houses, associations, the Government, FinTech companies, and others.
In 2018 the event was attended by senior executives (CEO, COO, CFO, board members), CIOs, heads of departments, project leaders, IT and Security experts, auditors, business analysts, consultants, experts in payment systems.

How was the event held in 2018


  • Nina Stoyanova

    Nina Stoyanova Deputy Governor Banking Department, Bulgarian National Bank

    Nina Stoyanova is Deputy Governor in charge of the Banking Department and the Fiscal Services Department and member of the Governing Council of the Bulgarian National Bank elected by the 43rd National Assembly on 29 July 2015 for a six-year term of office. Between 2007 – 2015 Ms. Stoyanova was Chief Legal, Director of the Legal Directorate of the Bulgarian National Bank (BNB), Member of the Legal Committee of the European System of Central Banks. Prior to this Nina Stoyanova had worked as Legal Advisor at the European Central Bank, Frankfurt am Main, Legal Services Directorate General under a secondment programme of the European System of Central Banks, and as Senior Legal Advisor, BNB Legal Directorate. Nina Stoyanova has a Master’s degree in law from Sofia University ‘St. Kliment Ohridski’.
  • Vladimir Savov

    Vladimir Savov Deputy-Chairman and Manager of Insurance Supervision Division, Financial Supervision Commission

    Mr Vladimir Savov was elected by the National Assembly of the Republic of Bulgaria on January 24th, 2014 for a 6-year term. Mr Savov was born on August 24th, 1971 in Varna. He holds a MBA Degree from the London Business School and a Master’s in International Economic Relations from the University of National and World Economy, Sofia. Between 1993 and 1998, he worked for Unicredit Bulbank as a manager of Correspondent relations with foreign countries. In 1999 Vladimir Savov completed internships at the departments of Central and Eastern Europe and Global Depository Receipts in The Bank of New York, London. From 2000 to 2009, he worked in Moscow, initially as a senior analyst at Brunswick UBS, and from 2003 to 2006 as a Deputy Director and subsequently - Director of Analysis on the Banking and Consumer Sectors Unit at the Uralsib Capital Bank. Between 2006 and 2009, he was Director of the Analysis Department at the Credit Suisse Investment Bank, and from 2009 to 2013, Mr. Savov was a Managing Director, Head of the Analysis Department at "Otkritie" Financial Corporation, the biggest private financial holding in Russia. In his professional career, he has gained rich experience in the field of financial analysis and strategies, investments, capital markets, banking and international finance.
  • Etienne Goosse

    Etienne Goosse Director General, European Payments Council

    Etienne Goosse has extensive professional experience across different sectors in the payments industry. He started his career with the Belgian central bank. He held executive positions at Eurocheque International, Europay International and MasterCard Europe. In his previous assignments, Mr Goosse’s responsibilities included franchise management, legal and regulatory affairs, stakeholder management as well as finance and administration. He also has an extensive track record in managing governance as well as European and public affairs.
  • Judit Baracs

    Judit Baracs Senior Account Director CEE, SWIFT

    Since 1998 Judit has been part of the EMEA account management team engaged in CEE to provide the latest information to SWIFT clients. Judit is specialised in payments market infrastructures projects and is currently responsible as country manager for 9 countries in CEE. She has been assisting the Bulgarian National Bank over the years and since mid-2017 she has become the country manager for Bulgaria. In this new role, she will be taking care of all SWIFT topics that Bulgarian banks might be interested in, between others compliance.
  • Marianna Janssen

    Marianna Janssen SWIFT GPI Expert, EMEA

    Since January 2015 Marianna has been part of SWIFT Markets & Initiatives EMEA team engaged on divers projects. Marianna joined SWIFT to reinforce the Business Intelligence team to develop solutions in the area of regulatory reporting for intraday liquidity. Today she is driving SWIFT global payments innovation offering in countries of Central and Eastern Europe combining her business knowledge and understanding new technologies in the payments area. Marianna has several years of experience in Transactional Banking and Cash Management. She worked as a corporate adviser for Cash Management solutions at BNP Paribas, contributing to optimisation of corporate treasuries for internationally active firms. In addition, she holds an Executive MBA from Antwerp University Management School (Belgium) and post-graduate in Big Data Analytics in Business from the university of Leuven (Belgium).
  • Yuriy Genov

    Yuriy Genov Executive Officer and Member of the Management Board at DSK Bank; Chairman of the Board of CIO Club

    Yuriy Genov is Executive Officer at DSK Bank. He is part of DSK Bank’s team since 1999 – first, as head of "Long-term planning and general bank projects" department, and since 2004 as Head of Directorate "Development and Implementation of IT Systems". Prior to joining DSK Bank he worked for Biochim commercial bank – first, as expert, and later as head of Payment systems department. Member of the CIO Club Bulgaria and Chairman of the Board of CIO Club. He was awarded the prestigious prize of the CIO Club Bulgaria "CIO of the Year" for 2009.
  • Krasimir Krastev

    Krasimir Krastev Chief Expert, Payment Supervision Directorate, Bulgarian National Bank

    Krasimir Krastev has worked at Bulgarian National Bank since 2007. He is involved in the the National Bank’s supervision on payment systems, payment service providers and other entities subject to payment supervision in order to establish the compliance of their activities with regulatory requirements and established international principles, standards and recommendations in the area of payments. He participates in working groups in the field of payment services and payment supervision at the European Central Bank, the European Commission, the European Banking Authority and the Council of the European Union.
  • Irina Kazandjieva

    Irina Kazandjieva Head of Division "Banking policy and analysis", Association of Banks in Bulgaria (ABB)

    Irina Kazandjieva is Head of Division "Banking policy and analyses" at The Association of Banks in Bulgaria (ABB). Before that she was Head of Division "International exchange and programs". She has a PhD in economics. Mrs. Kazandjieva is the coordinator of the Payment Systems Committee at the Executive Board of the ABB.
  • Svetla Nestorova

    Svetla Nestorova Chairperson of the Managing Board of the Association of Bulgarian Insurers (ABI), Chief Executive Officer of Bulstrad Life Vienna Insurance Group

  • Ramona Chervenkova, CGEIT, CRISC

    Ramona Chervenkova, CGEIT, CRISC ISACA-Sofia Chapter

    Ms. Chervenkova specializes in the restructuring of business processes, organizational restructuring, change management, IT risk and control, as well as in defining IT strategies and improving the management and operations of IT. She also has more than 30 years of experience in IT development and implementation of IT systems and in IT Audit. Ms. Chervenkova has managed complex projects in organizational change, operational improvement, development of IT strategies and projects for the implementation of IT systems for clients. She has extensive experience in project management, organizational planning, planning and management of IT activities, development and implementation of IT systems and the management and control of IT risks. She has completed numerous successful ERP system implementation projects in Bulgaria, Germany, UK, Belgium, The Netherlands, and on the Balkans by having significant experience of complex IT solutions in a number of industries including Public and Banking sector, Manufacturing and Utilities.
  • Kiril Kirilov

    Kiril Kirilov CIO and Vice-president, Allianz Bulgaria Holding

  • Ilian Stoianov

    Ilian Stoianov Director Risk Assurance Services, PwC

    Ilian leads the Risk Assurance (RAS) Team in Bulgaria. As Head of the RAS Team he is focused on Information Security, IT Audits/Reviews, Risk assessment and analysis of Information Systems, IT project management, Data Privacy and Cybersecurity. He reviews the involvement in IT Audit and Control of overall process of business application delivery and effective implementation of projects in billing, customer care, inventory management applications, IT assurance and advisory assignments. He has extensive international experience, working in Austria, Bulgaria, Czech Republic, Japan and the United Arab Emirates.
  • Kristin Krumov

    Kristin Krumov Director "ICT Applications", United Bulgarian Bank

  • George Galtchin

    George Galtchin Digital Transformation Manager, TBI Bank

    George Galtchin is TBI Bank's Digital Transformation Manager. Possessing over 25 years of experience in the field, he brings IT vision and leadership in the development, management and implementation of the tech strategy for the Bank’s digital future. George Galtchin is working with cutting edge IT solutions to accelerate the achievement of TBI Bank’s goals and also taking the lead on building a dedicated team of top talents. He manages a variety of projects related to finding technological solutions and best practices to be employed in the bank’s structure. A graduated Master of Finance and Financial Services Management, George boasts a flair for building flying machinery – from helicopters and airplanes to drones.
  • Vladislav Venev

    Vladislav Venev Chief Information Security Officer and Data Protection Officer, Raiffeisenbank Bulgaria

    Vladislav Venev is Head of Information security and Data protection of Raiffeisenbank Bulgaria with broad experience in cyber security, information technologies and telecommunication. He has a solid background in design and implementation of several large scale information security, telecommunications, videoconference, telemedicine projects. Mr. Venev is an experienced presenter and coach in the area of information security, data protection and IT.
  • Dr Colin Smith

    Dr Colin Smith Manager International Services, Omikron

    Colin Smith has been with Omikron for twenty years. During that time he set up and built Omikron’s international business department, which has overseen the implementation of Omikron’s e-banking products in over 20 countries and in 17 languages. In addition, Colin is responsible for developing and managing key banking relationships in the international business area. Before joining Omikron, Colin set up and managed the Electronic Banking department for an international bank in Germany for 10 years, and was later responsible for strategic business development in cash management for National Westminster Bank in London.
  • Lubos Klokner

    Lubos Klokner Sr. Systems Engineer – F5 Networks

    Lubos Klokner works as Senior Systems Engineer at F5 Networks covering central-east Europe. Previously He has also worked as Security Consultant managing a team of Network Security engineers at major system integrator in Slovakia. Over the years he has moved his focus from open-source technology to enterprise security systems including penetration testing and cyber-security consultancy. Currently he is applying acquired knowledge in availability and security of applications and services in enterprises, ISP/MSP, private data centers as well as in public cloud environments.
  • Attila Paksi

    Attila Paksi Head of Business Development, Financial Sector CEE, Gemalto

    20+ years’ experience in IT and Telecom, 10+ years’ experience in sales and business development in the Banking IT solution field. With Gemalto since 2016, advocating the importance of IT and Data Security to Financial Customers in the CEE region. Focusing especially on Encryption, Key Management and Authentication/Access Management. Proud Dad of 2, and a Rotarian trying to help those in need.
  • Svetlozar Karaneshev

    Svetlozar Karaneshev Head of Internal Audit at the Bulgarian American Credit Bank and Member of ISACA Sofia Chapter

    Svetozar Karaneshev is engaged in assessing the risks and effectiveness of corporate and management systems, critical business and operational processes and functions. He has over 25 years of experience in risk and finance with practical experience in defining organizational goals and implementing changes; risk management and control systems design and implementation; design of organizational structures and processes; business development; reorganization, restructuring and reengineering. He is Co-Founder of the Risk Culture Lab. The Risk Culture Lab is a non-commercial initiative, aimed to create opportunities through a series of events and projects, connecting experts to build knowledge and sharing local and global best practices and experiences on the role of Culture and Risk Culture.
  • Nikola Nyagolov

    Nikola Nyagolov Principal Consultant, ITNL Bulgaria

    Mr. Nyagolov is the Principal Consultant at ITNL Bulgaria. He is a certified Project Management Professional (PMP), Certified in the Governance of Enterprise IT (CGEIT) and Certified Information Systems Auditor (CISA). He has extensive hands-on and leadership experience in the areas of IT strategy, system integration, software development, implementation, cybersecurity, compliance and audit. He has led technology and operations projects in international and local organizations in the telecommunication, energy and utilities, industrial and financial sector. His engagements cover the areas of economics of IT, technology integration and advisory, business and technology architecture, IT organization and structuring, systems’ reviews and cybersecurity.
  • Alexander Zahariev

    Alexander Zahariev Regional Account Executive, SE Europe, Forrester

    Alex Zahariev started his career in 2000 as IT expert in Bulgaria Foreign Investment Agency. Over the years passed through different technical and management levels positions in one of the major Dell partners. In 2009 he joined Gartner in Croatia and served as a Sales Representative, responsible for developing the Bulgarian market. In 2015 he participated as founder and business consultant in a number of companies and projects in Bulgaria and Serbia in the fields of web-based solution, IoT and software distribution. Since 2016 Alex Zahariev is the Regional Manager for South East Europe of Forrester Research - one of the most influential research and advisory firms in the world. Alex Zahariev is a sales professional with more than 13 years of experience in developing, managing and growing of new field sales market territory. In his current role, he is responsible for growing SE Europe market with main focus on Bulgaria, Croatia, and Serbia by supporting leaders across business and technology roles with integrated research and tools, data-driven insights and consulting to maximizes the value delivered by Forrester. Alex is passionate about the Digital Economy and the ways it transforming the global markets.
  • Goran Angelov

    Goran Angelov Founder and CEO of IBS Bulgaria (IBS)

    Goran Angelov is a founder and CEO of IBS Bulgaria (IBS) one of the leading IT companies in the country with a focus on finance industry, analytics solutions and systems integration. Nowadays IBS is involved in key project for leading banks related to digital transformation, PSD2 regulation, infrastructure modernisation and information assets management. Goran Angelov has an engineer degree in process automation. He has more than 20 years of experience in the field of information and communication technologies and has participated in a number of successfully implemented large-scale IT projects for the business and the public sector.
  • Tsvetomir Doskov

    Tsvetomir Doskov CEO, SirmaBC

    Tsvetomir Doskov has over 20 years of professional experience in financial services, banks and IT companies. He is currently the CEO of Sirma Business Consulting (SirmaBC) and is a member of the Board of Directors of Sirma Group Holding. He has made a significant contribution to making SirmaBC a well-recognized provider of software solutions for the banking industry, as well as consultancy and expertise provider on the Bulgarian market. Over the past few years, he has focused on designing, developing and deploying digital solutions for business users and end-users. He holds two Master Degrees as well as numerous professional licenses and certificates in the field of project management and business analysis.
  • Atanas Kiryakov

    Atanas Kiryakov Founder and Member of the board of Sirma Group Holding, CEO of Sirma AI

    Atanas is the founder and member of the board of Sirma Group Holding as well as CEO of Sirma AI, former Ontotext AD - leading developer of semantic databased and AI technology for text analysis. The clients of Sirma AI include BBC, Financial Times, Standard & Poor’s, UK Parliament, Fujitsu, Novartis and two of the biggest USA banks. Atanas is a leading expert in semantic databases, author of multiple scientific publications with more than 2500 citations. Completing his Master of Science degree in Computer Science at Sofia University in 1995, he soon became a member of Sirma’s management board. Atanas founded Ontotext in 2000 as an R&D lab of Sirma. Atanas is member of the board of the Linked Data Benchmarking Council – standardization body, who's members include all major graph database vendors.
  • Hristian Atanasov

    Hristian Atanasov Head of Department "Software Development", CSoft

    Hristian Atanasov is head of "Software Development" at CSoft with more than 12 years of experience in the area. With deep passion towards different aspects of software industry, his everyday responsibility is to manage and inspire the strategic technological framework of the company and its products. In recent years Hristian is directly involved with the quality and security of implementation and integration of many key projects at the organization. He is strongly interested in the new opportunities ahead of mobile financial services and the position of Bulgaria an CSoft. Fan of timeless industrial designs, well-made products and simple, clever solutions.
  • Kaloyan Georgiev

    Kaloyan Georgiev Solution Architect IoT, Automation and Energy Management EcoStruxure Business Global Operations, APC by Schneider Electric

    Kaloyan Georgiev has a Bachelor degree in "Automation, Informational and Control Systems and Robotics" and master degree in "Control Systems" from Technical University of Sofia. He has passed several trainings in the field of Industrial Networks and Communications, SCADA and BMS software, automation and energy management system architectures. He is main lector on the topics "Programming and implementation of CodeSys based PLC", "Programming and implementation of Industrial HMI", "Systems for energy monitoring" and "Systems for Data Center monitoring" both internally for Schneider Electric and externally for customers. The professional development of Kaloyan Georgiev includes IT, automation, robotics, programming, machine learning and work on different projects in the field of 3D scanning, home automation and Cloud based services. In the last years Kaloyan Georgiev is focused on the innovative concept Internet Of Things. His main feld of work is the application of IoT in the Industrial automation and collaborative machines.
  • Arkadiusz (ARKA) Giedrojc

    Arkadiusz (ARKA) Giedrojc CTO for IP solutions in Huawei Enterprise Business Group for Nordics and CEE Region

    Arka has more than 20 years of experience on the IT market. Before joining Huawei he built his career mainly in Arista Networks (responsible for the CEE Region) and Hewlett Packard, where he held engineering, consulting and managerial positions – on country, regional and EMEA levels. He is also co-author of "Data Center Service Oriented Networking" Patent. His experience is backed up by education from Technical University of Gdansk, Kellogg School of Business and London Business School.
  • Onur Çınga

    Onur Çınga Regional Sales Manager for Central Eastern Europe, Veripark

    Onur Çınga has a role of Regional Sales Manager for Central Eastern Europe and he has been helping banks and insurance companies to become digital leaders for 5 years at VeriPark.
  • Svilen Stanchev

    Svilen Stanchev Sales Director, IBS Bulgaria (IBS)

  • Hristo Borisov

    Hristo Borisov CEO, Payhawk

  • Pavel Chrbadzhiyski

    Pavel Chrbadzhiyski Chairman, Bulgarian Bitcoin Association

  • Hristo Nihrizov

    Hristo Nihrizov Partner at Dimitrov, Petrov & Co. Law Firm

    Hristo Nihrizov is head of Banking & Finance practice group at DPC Law firm. Hristo specializes in the areas of fintech, payment services, cybersecurity, privacy and personal data protection, electronic services and electronic identification helping clients with their digital transformation projects. Hristo has unmatched track record of numerous pioneering projects requiring not only deep regulatory knowledge but also specific technology competences.
  • Martin Bogdanov

    Martin Bogdanov Member of the Board of Directors and co-founder of the Bulgarian Fintech Association.

    Martin Bogdanov is member of the Board of Directors and co-founder of the Bulgarian Fintech Association. He is also CEO of Paysera Bulgaria, one of the first FinTech companies in Bulgaria. He has more than 20 years’ experience in the financial sector and has held managing positions in leading banks in Bulgaria and Albania. He has numerous international specializations in the field of economics, debt instruments, money and currency markets, lending and sales techniques. He has participated as lecturer at events for e-commerce and online shops, payment systems, international business, sales techniques, and more.
  • Radoy Stoyanov

    Radoy Stoyanov Offering Business Development Manager, BULPROS

    Radoy is a former C-level banking executive in IT, Operations and Marketing for more than 10 years, and a software consultant for another 10 years. He has spent the last 3 years advising and delivering digital transformation projects at banks, insurers and FinTech startups. He specializes in digital business models, digital customer journeys and user experience, Open Banking, PSD2 and API economy, mobile wallets, payments, loyalty, AI, as well as cloud native architectures.
  • Yoanna Genova

    Yoanna Genova Manager Innovations, Raiffeisenbank Bulgaria


8:00 - 9:00 Registration
9:00 - 9:30 Official Opening:
Nina Stoyanova, Deputy Governor Banking Department, Bulgarian National Bank
Vladimir Savov, Deputy-Chairman and Manager of Insurance Supervision Division, Financial Supervision Commission
Ramona Chervenkova, CGEIT, CRISC ISACA-Sofia Chapter
Valentina Tsoneva, Manager, ICT Media

MODERATOR: Valentina Tsoneva, Manager, ICT Media
9:30-9:50 Financial Services in the Age of the Customer: Lessons from Digital Transformation Leaders. Alexander Zahariev, Regional Account Executive, SE Europe, Forrester
9:50-10:10 My Bank and I After PSD2. Goran Angelov, a founder and CEO, IBS Bulgaria
10:10-10:30 Innovations that are transforming the market of financial services … the next decade. Tsvetomir Doskov CEO, SirmaBC
10:30-11:00 Digital Transformation Enabled by Emerging Technologies. Arkadiusz (ARKA) Giedrojc, CTO for IP solutions in Huawei Enterprise Business Group for Nordics and CEE Region
11:00-11:30 Coffee Break

MODERATOR: Irina Kazandjieva, Head of Division 'Banking Policy and Analysis', Association of Banks in Bulgaria (ABB)

MODERATOR: Svetla Nestorova, Chairperson of the Managing Board of the Association of Bulgarian Insurers (ABI), Chief Executive Officer and Chairman of the Board of Bulstrad Life Vienna Insurance Group
11:30-11:50 Implementation Status and Future Developments of SCT Inst. Etienne Goosse, Director General, European Payments Council 11:30-11:50 The Digital Future Business Model - Going From Digital Channels to a Platform-Based Strategy For Complete Digital Transformation. Kiril Kirilov, CIO and Vice-president, Allianz Bulgaria Holding
11:50-12:10 Transaction Banking in Transition - Stay ahead of the Game. Dr Colin Smith, Manager International Services, Omikron 11:50-12:10 EcoStruxure IT: visibility, analytics and security from the physical infrastructure to the cloud. Kaloyan Georgiev, Solution Architect Iot, Automation and Energy Management  EcoStruxure Team Leader  Global Operations, APC by Schneider Electric
12:10-12:30 Security requirements for the provision of payment services introduced with PSD2. Krasimir Krastev, Chief Expert, Payment Supervision Directorate, Bulgarian National Bank 12:10-12:30 AI for extraction of risk profile signals from public data. Atanas Kiryakov, Executive Director, Sirma AI 
12:30-12:50 Information security risks and regulations – what regulators expect from the banks for 2019. Svetlozar Karaneshev, Head of Internal Audit at the Bulgarian American Credit Bank and Member of ISACA Sofia Chapter  12:30-12:50 Using Machine Learning for Cross Sell. Onur Çınga, Regional Sales Manager CEE, VeriPark
12:50-13:20 SWIFT GPI – One Year On - The New Norm. Marianna Janssen, SWIFT GPI, EMEA 12:50-13:10 Third generation multi-channel fraud prevention. Svilen Stanchev Sales Director, IBS Bulgaria 
13:20-13:30 Q&A 13:10-13:30 Banking Information Systems Architecture - Is ESB Old School? Kristin Krumov, Director "ICT Applications", United Bulgarian Bank
13:30 – 14:30 Lunch

MODERATOR: Ramona Chervenkova, CGEIT, CRISC
ISACA-Sofia Chapter

MODERATOR: Nikola Nyagolov, Principal Consultant, ITNL Bulgaria
14:30 - 14:50 SWIFT’s Payment Controls Service - Your Last-Resort Fraud Prevention. Judit Baracs, Senior Account Director CEE, SWIFT 14:30 - 14:50 The intersection between new technologies and consumer experience. Yuriy Genov, Executive Officer and Member of the Management Board at DSK Bank; Chairman of the Board of CIO Club 
14:50 - 15:10 Banks in a (Data and Compliance) Storm – How Can You Make Your Way Easier Yet More Secure? Attila Paksi, Head of Business Development, Financial Sector CEE, Gemalto 14:50 - 15:10 Competing for the client after PSD2 and the place of the Digital Wallet in the race. Hristian Atanasov, Head of Department "Software Development", CSoft
15:10 - 15:30 How to Secure Your API? Lubos Klokner, Sr. Systems Engineer, F5 Networks 15:10 - 15:30 How to delight your customers by creating a personalized customer experience? Radoy Stoyanov, Offering Business Development Manager, BULPROS 
15:30 - 15:50 Latest Cyber Threats to The Financial Sector, And Effective Mitigation Strategies. Vladislav Venev, Chief Information Security Officer and Data Protection Officer, Raiffeisenbank Bulgaria 15:30 - 15:50 Quality Interaction With Clients Through Remote Identification And Digital Onboarding. Biometric Solutions Improving Consumer Experience. George Galtchin, Digital Transformation Manager, TBI Bank
  Q & A
16:00 - 16:20 Coffee Break
16:10 - 17:10
MODERATOR: Ilian Stoianov, Director Risk Assurance Services, PwC
In cooperation with: 
Българска Финтек Асоциация
« Hristo Borisov, CEO, Payhawk 
« Martin Bogdanov, Member of the Management Board, Bulgarian FinTech Association
« Hristo Nihrizov, Partner at Dimitrov, Petrov & Co. Law Firm
« Pavel Chorbadzhiyski, Chairman of Bulgarian Bitcoin Association
« Yoanna Genova, Manager Innovations, Raiffeisenbank Bulgaria

« Oportunities that Fintech companies provide to traditional financial institutions. Examples of successful partnerships as development catalysts for the banking sector
« Open Banking - risk or opportunity for traditional financial institutions
« Necessary tools, standards, and regulations for the FinTech industry
« The role of cybersecurity in the era of FinTech and open banking
«  P2P lending FinTech platforms - the alternative fundraising mechanism
«  Recent developments of FinTech payment solutions


IBS Sirma BC Huawei APC by Schneider Electric CSoft Clico f5 Gemalto Global Consulting Omikron Intelligent Systems Veripark Nevexis Sircrow Dimitrov, Petrov & Co. M&BM Ltd. Perrier Pixel Media INSmarket


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