Chris Skinner is best known as an independent commentator on the financial markets through his blog the Finanser (www.thefinanser.com). Here he regularly discusses key issues and opportunities in banking and financial services, summarising research, white papers and other analysis that is topical for the day. The blog content is now regularly edited into book form, with the first five books published by Searching Finance in a new series called "The Complete Banker" in winter 2010.
When he's not travelling and delivering keynote speeches, Chris chairs the Financial Services Club, which he founded in 2004. The Financial Services Club is a network for financial professionals, and focuses on the future of financial services through the delivery of high quality and in-depth research, analysis, commentary and debate. The Club has regular meetings in London, Edinburgh, Dublin and Vienna, providing a critically independent platform for practitioners, regulators and industry leaders to meet, network and discuss the future of our industry.
Chris is Chief Executive of Balatro Ltd, and a co-founder of the website Shaping Tomorrow. He also appears regularly in various media including the BBC, Bloomberg and Sky News.

2007-2008 - CIO, Baltiyskiy Bank (JSC) 2006-2007 - CIO, Tinkoff Credit Systems (JSC) 2000-2006 - Head of remote banking services and plastic cards department, Industrial and Construction Bank (JSC), St. Petersburg. Graduated from St. Petersburg State Engineering and Economic University. Advanced training courses in the South Karelian Polytechnic University (Finland)

Payment Technologies CEO. Leading expert in plastic cards payment technology. The author of "Security in E-commerce" , "EMV microprocessor cards", "EMV- bank cards", "Microprocessor bank cards". A member of MasterCard European Operations Advisory Committee since 1996.

Samee is a director in the London office of Edgar, Dunn and Company, a global management consulting firm. Samee has advised some of the world's largest organisations in North America and Europe, working at the Board level.

Experience: 15 years in financial services. Denis is an experienced project manager in performance improvement, banking technologies, business processes reengineering and risk management. Specialize in strategy design, business transformation, operational effectiveness and business restructuring. EMBA London Business School и Columbia Business School

Alexei Bogatkin graduated Bauman Moscow State Technical University in 2001. His career Mr. Bogatkin started with Russian and foreign IT-companies in the field of information security, he managed products development, also connected with biometric identification. In 2003, together with his partners, Mr. Bogatkin founded Unitecsys, a software development company with a number of products for banking sphere. Since 2009 Alexei Bogatkin is the Head of Uniteller, a service-provider company. On the basis of its own solution, Uniteller company provides bank card acceptance services in Internet and self-service spheres, and also processing for a wide range payment tools.

Presently Mohammad Jakirul Islam is working with ssd-tech, one of the fastest growing software solution provider companies in Bangladesh. He is a "Senior Manager & Head of VAS" to take care of the whole ssd-tech's VAS portfolio within both local and global context. He also has almost 5 years of telecom experiences in VAS & Innovations with CitycellTM, the pioneer & only CDMA Mobile operator in Bangladesh, as a Coordinator- VAS & mCommerce Business Development. He gained extensive experience in various telecommunication Marketing & Business Development segments such as: Value Added Service (VAS), Product & Business Development, Affinity marketing as well as Retention & Loyalty through his tenure with Citycell. Mr. Islam obtained an MBA majoring Finance and a Bachelor of Computer Science degree from the University of Dhaka and Independent University, Bangladesh (IU respectively. He is a renowned speaker to explore mCommerce/Mobile Money/Mobile Payments business within emerging developing countries through different international conferences/forums. Some of his present responsibilities are to cover defining the business scopes, product design and acquisition new business with different mobile operators, banks and other Financial Institutions around the world.

Born in January 1973. Since 1991 Stanislaw has started his professional career as a programming supervisor in Medical Engineering Center. From 1997 to 2005 he developed software implementation and support, maintenance of computing machinery; made a search and adaptation of bank products according to Sberbank Standards and provided adoption of advanced manufacturing for retail banking services for Sberbank Yaroslavl and Vologda offices. In 2001 Stanislaw graduated from Business Academy under the Moscow government with a specialization in Finance and credit. Between 2005 and 2007 Stanislaw worked as Director of information technology with Billing Center in Vologda. Since 2006 he had directed simultaneously Yaroslavl office. Joined CFT in 2007 as Regional Director. He manages areas that are included in Central Federal District of Russian Federation under the project "Transport and social card". Under Stanislaw's direction the cashless fare systems have been stated in Astrakhan in 2009 and Yaroslavl Region in 2010.

Mr. Kuznetsov graduated from the St.Petersburg State University (formerly Leningrad State University named after A.Zhdanov), Physics Faculty, defended his Ph.D. Thesis. In 1985-1989 he worked at the Scientific Research Institute of Physics, published 8 research papers and made two inventions. In 1990 Mr. Kuznetsov initiated foundation of Alcor Technologies Incorporated, a Soviet-American Research and Development enterprise. In 1993 he was among the founders of the Tavricheckiy Bank (OAO) specializing in corporate clients lending and banking services to foreign companies, as well as e-commerce. Since 1995 Mr. Kuznetsov has been Vice-President of the Tavricheskiy Bank in charge of investments in the atomic industry and IT technologies. He is a developer of PayCash, a unique e-payment system, patented in 1996, that formed the basis of a number of lucrative projects (Yandex. Money, MOBI.Money, Moneta Express and other).

Thierry is responsible for the new business eco system strategy and policy for FT/Orange in close relationship with the strategy, marketing and technical entities within the Orange group. Thierry is personally involved in international organisations such as the GSMA and has been strongly involved in the domain of mobile contactless for the past 5 years where he has contributed towards the definition of standards for the SIM card with the European Telecommunication Standard Institute and continues to work to set-up industry eco systems. Thierry is also involved in other domains such as Mobile Health, Machine to Machine and green/energy efficency programmes. Thierry is also leading the development of a universal charger for mobile devices. Previoulsy, Thierry contributed to the launch of several industrial forums aimed at standardisation of technologies and driving the industry to greater cooperation. Thierry has been a member of the Board of Directors of IMTC for 4 years, a forum at the forefront of the video and Internet communications. In 2004, Thierry joined Orange and the innovation services as Strategic Advisor to the CTO where he launched and managed several projects on customer intelligence and customer insight. His main interests reside in the development of services with enhanced customer experience applied to the telecommunication business.

Graduated from Moscow State University named after Mikhail Lomonosov, majoring in the history of political parties and social movements, and the National Law Academy of Ukraine, prosecution lawyers faculty. 1993-1995 - Marketing Expert, Retail Department, Hermes Bank, Moscow, Russia 1995-1999 - Deputy Director of Card Department, Bank Aval, Kiev, Ukraine. 1999-2004 – Consultant, Corporate Communications, Mastercard Europe . 2005-2008 – Consultant, Corporate Communications, Visa CEMEA. Since 1999 - Director of the Association of Members of EMA payment system. Since 2000 – Advisor to the Finance and Banking Committee of the Verkhovna Rada of Ukraine

Education: Bashkir State University. High School for International Business, Academy of National Economy under the RF Government. MBA Over 14 year experience in the banking sector. Since 2006 Director of Retail Department, JSC AK BARS Bank. Previously worked for JSC Bank Uralsib Awarded with Certificate of Merit of the Transport Committee of Kazan Executive Committee of the Republic of Tatarstan, (2010), the winner of Golden Chariot, the National Public Prize of Russia's transport industry -. Participation in the projects: Kazan Transport Card (the project of the year in Russia's transport industry, 2010), Social Security Card of Resident of Republic of Tatarstan, Universal Electronic Card of Russia.

1999 – 2004 Ministry of Foreign Affairs of the People's Republic of China 2005 – 2007 Regional Manager, Alcatel Lucent (China) 2007 – UnionPay Chief Representative in Russia and CIS

Graduated from the Mechanics and Mathematics Faculty of Belarus State University, finished Master's Course at the Economic Department of Belarus State University. In the banking sector since 1994, Head of Retail Business Department of Belgazprombank since 2001. An energetic proponent of plastic cards and e-money development Belarus.

Vincent Kadar, CEO of Telepin Software, has more than 16 years of executive experience in software technology companies for wireless and telecom networks. Prior to his role with Telepn, Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging infrastructure. Mr. Kadar has also served as Director of Wireless Technology at InfoSpace Inc, and in senior technology positions at CrossKeys Systems and Accenture. Vincent frequently presents at industry conferences and has been published in leading magazines.

Leon Dhaene has over 25 years of senior management experience in cards and payments, global account management, business development and sales, acquisitions-mergers-joint ventures, performance optimisation and services development, at multinational corporations like MasterCard International (2001-2004), Europay International (1992-2001), Eurocard International (1989-1992) and IBM (1985-1989). As of 2004, Leon created his own consulting practice, called Network of Alliances, Outsourcing and Mergers Experts, and is Chairman of N2FINANCE, a European network of experts in the finance sector in 10 European countries. Amongst his customers are leading international banks, payment systems, leasing companies, processors, network services providers, customer services companies, regulatory, etc… He has been leading business strategic projects in the global financial & leasing, social services management, environmental and identity control sector; and business development activities in Europe for enterprise software and financial services companies. Leon has conducted major projects in the area of cards and payments, call center technology and management, e-invoicing, fleet and petrol cards, e-commerce, archiving and electronic document management, and SEPA /PSD (SEPA assessments, SCF, SDD, SCT). Leon Dhaene is regularly consulted by capital venture companies as an Consultation Analyst. Leon Dhaene is currently Chairman of the European Card Acquiring Forum, the largest conference on card acquiring in Europe. As a leading global card specialist, Leon has been involved in launching several innovative products globally, amongst which the launch of Maestro, an international debit card with over 800 million cardholders worldwide, in 1993 is the most known. Leon Dhaene is a former lecturer of the IBM Institute La Hulpe, IBM Academy Brussels, and researcher of the University of Ghent.

Ruslan Saidaliev is working in smart-card and value added services industry since 2004. He is an expert in NFC (Near Field Communication) and TSM (Trusted Service Management). Double winner of Gemalto's The Best Account manager in CIS award.

An expert in the field of POS-terminal equipment and payment technologies. The initiator and leader of the development of YARUS, the first Russian POS-terminal. Graduated from the Moscow Institute of Electronic Technology (MIET) in 1982, specializing in computers. Worked and was a lecturer at the MIET Department of Computer Engineering. During 1995-2000 Project Coordinator of the Russian development center of Rockwell Semiconductor. In 2000-2004 the Head of Department of Network Systems in Moscow. In 2004-2009 the General Director of Hypercom Representative Office, who guided the software development and implementation of Optimum T2100, the first 32-bit POS-terminal, which became the best-known and the most wide-spread Hypercom product. He was a co-founder and director of the Transaction systems company. Enhanced the Russian practice with economical no-server cash solutions. Currently, the head of Terminal Technologies (TT), a company founded by him. In 2009, for the first time in Russia, he got PCI and EMV certificates for YARUS, a POS-terminal /cash register developed in collaboration with Shtrikh-M. Proposed and implemented an acquiring approach, completely new for Russia, with the POS-terminals being bought by retail outlets rather than banks.

Eric is the CEO and founder of TransferTo, the leading international airtime remittance hub, acquired by Ingenico in 2010. Before TransferTo, Eric co-founded Mobile 365, the global leader in mobile messaging interoperability, delivery and settlement of SMS and MMS. He was successively the Chief Technology Officer and the Vice President of the Person to Person Business Unit. Mobile 365 was acquired by Sybase (now SAP) in 2006.

Maxim Kurgaev is a Marketing Director of Ingenico Russia/CIS - a leading provider of payment solutions, deployed in more than 125 countries. Maxim Kurgaev is a professional in the field of advertisement and marketing with the 15-year experience including more than 10-year experience in hi-tech and IT-marketing. Before joining Ingenico in 2007, he worked with largest system integrators and the leading IT companies (1С, Microtest etc.). Maxim has 2 higher educations - technical and economic.

One of the inspirers and founders of the company. He graduated from the Faculty of Instrument Engineering of Moscow State Technical University named after N. Bauman. PhD in Technical Sciences.

Mr. Filippov has been working at Shtrih-M since 2005. In 2007 he became the Head of the Information and Payment Systems Department. The main business areas: banking self-service terminals, information kiosks, YARUS POS terminals.

Parsla Bethere has almost 20 years of global experience in payment card industry and her career has focused mostly on business analysis and product development. In her current position of Software Product Line Manager, Cards, Parsla is responsible for Card Suite development according to the latest business and technological trends. Since Parsla joined Tieto in 2003 as Senior Business Analyst, she has been performing managerial positions within the company. Her wide experience has been gained from multiple international projects, including the development of bank payment card processing solutions, systems like Card Suite Acquiring, ATM and Cash-in device Management System, Bill Payment and P2P Payment, as well as payment organization related projects with Visa Incorporate, MasterCard Worldwide, American Express, Diners Club, JCB, etc. Prior to joining Tieto Parsla had worked for the payment card processing centre First Data Latvia for eight years, her rich experience acquired there combined with the today's thorough knowledge results in the ability to understand customer needs and successful business opportunities. Moreover, card business has become Parsla's hobby. Parsla holds MBA from Riga International School of Economics and Business Administration. She has a bachelor's degree in physics from the University of Latvia, Faculty of Physics and Mathematics.

Member of the architectural section of the Expert Group of the Presidential Council on Information Society, Advisory Board on Kazakhstan e-Government Architecture, Ukraine CIO Community. As FOSTAS President, holds the position of Russia's CIO Union Partner. Member of the Presidium of the Russian Educational and Methodological Association in Applied Informatics, co-author of the national educational standards and curricula, member of the Moscow branch of the ACM SIGMOD Working Group. The leader and participant of elaboration of IT departments' strategic development plans for government agencies and enterprises of Russia and Belarus, the project manager and participant of the strategic systems development for organizations in Russia and Uzbekistan. The author of the 3D-enterprise architecture planning approach for transforming businesses and their systems, included later in the Information Management national educational standard. The author and visiting lecturer for MA training courses at IBS Academy, Moscow Physics and Technology Institute (MFTI), Moscow Institute of Steel and Alloys (MISIS), and also in the MBA / MBI system.

Sergey brings some 18 years of experience in the payment cards industry. He has held senior positions in a number of leading payment solution and financial services companies including Compass Plus where he was Business Development Director, CTL where he was Sales Director and URALSIB Bank where he headed the Processing and Development Department. Sergey joined BPC is 2006 and his role includes leading the sales team covering Russia and the CIS. In his time with BPC he has personally closed 20 new client engagements. He graduated from the Moscow Power Engineering Institute (Technical University) in 1982 and holds an MBA/MBI.

Dmitry Lemachko, Head of Sales Department at Uniteller. Uniteller is a certified bank card payments service-provider in Internet and self-service industry. Dmitry graduated from National Research Nuclear University MEPhI, faculty of Cybernetics in 1994. Prior to moving into the banking sphere in 2008, he worked as Head of Sales Department at Russian IT-integrators in the sphere of state structures, industrial and distribution companies automation.

A Credit Risk specialist with more than ten years of diversified experience. Geography of successfully completed Risk Management projects includes North America, Central America and Europe. Education: Moscow State University of Civil Aviation and Georgia State University (Atlanta, USA)