The rise of digital banking and increased demand for payment solutions that are faster, more transparent, flexible, secure and cost effective has led to huge changes in the European payments market. It is therefore vital that banks & FIs react and focus on digital payments transformation to leverage the competitive advantage that this offers.

Join Bottomline and other industry experts as they explore the new opportunities created by the adoption of instant/faster payments, the improvements resulting from co-existence between cross-border channels and the benefits of ISO 20022 across the whole payments ecosystem.

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  • What is the current state of European payment infrastructures? What needs to change and why? Who is driving these changes?
  • How are banks & FIs responding to these changes? Does it vary by country/region?
  • What will the benefits be for banks & FIs that prioritise and go beyond the basic demands?
  • How can the cloud/SaaS help to support change and efficient implementation?
  • What future does digital have in the evolution of payment infrastructures for banks & FIs?



Fréderic Viard

Head of Product – Instant Payments, Securities and Data & Analytics at Bottomline

Frédéric has 16 years of experience in Financial Messaging, specialising in customer expectations, product capabilities and market trends.


Diederik Bruggink

Head of Innovation and Payments at ESBG-WSBI/European Payments Council

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He is a Member of the Board of the European Payments Council and he is a member of the Commission’s Payments Systems Market Expert Group and the European Central Bank’s Market Advisory Group on the Digital Euro, to name a few.


Mélisande Mual

Publisher and Managing Director at The Paypers

Mélisande Mual is the publisher and owner of The Paypers, the global leading source of news and intelligence for professionals in payments, fintech and digital commerce. Prior to The Paypers, Mélisande held several leadership positions in leading B2B Publisher (Wolters Kluwer) and Telecom (KPN) companies.


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