Review Swiss Payment Forum 2023
The payment cosmos in two days
The 12th Swiss Payment Forum took place in Zurich on November 13 and 14: More than 200 participants enjoyed over 20 informative, high-calibre and entertaining presentations over the two days.
Moderated by Sandro Graf, the payment cosmos spread out before us over two days. The speakers shared their expertise on instant payments, the latest developments and areas of application for crypto payments, the challenges facing the legislative landscape against the backdrop of payment innovations, embedded finance, CBDCs and stablecoins, sustainable finance and other developments. In the Innovation Panel, moderated by Marc Landis, three start-ups presented their innovative solutions to us. In the keynote speech, Bilal Zafar gave us an insight into what will be possible with AI in the future and how we can use this as an opportunity. The speakers at the Swiss Payment Forum agreed that AI will become a game changer in the near future and has the potential to revolutionise the payment industry.
"The only constant in the universe is change." Inspired by this quote from Heraclitus, Christian Ridder chose the universe as the basic motif for this year's graphic recording (you can download or order the picture as poster here). And so the instant payment rocket, digital currencies as a comet, embedded banking as a UFO that is always and everywhere available, come together to form a picture in which many aspects of the 12th Swiss Payment Forum can be discovered.
One thing is certain: a multitude of innovations and changes await us - we just have to be ready for them. "Why not?" instead of "Yes, but..."!
The next Swiss Payment Forum is taking place in Zurich on November 18 and 19, 2024.
Agenda Swiss Payment Forum 2023
Conference Day 1 - November 13
08:40
How the Rise of PayTech is Reshaping the Payments Landscape
The EY Global Paytech report was developed through in-depth analysis of the PayTech landscape and from dialogue with global industry leaders. The seven forces are regarded as having significant influence over today’s payments landscape are: open banking, real-time payments, cross-border payments, BNPL, digital wallets and super apps, embedded payments and CBDCs and digital currencies.
+ How the seven forces identified in EY’s PayTech report are changing the industry
+ How the regulators, networks, banks, PSPs and merchants responding to the changing environment
+ How will the future of payments evolve as innovation continues to drive change
Alla Gancz Payments Consulting Leader, Ernst & Young LLP
09:20
Instant Payments as Standard – Optional Becomes Mandatory
+ The current status of the upcoming legal regulation in the EU
+ High accessibility as an opportunity for various use cases
+ Best Practice: How banks can prepare for Instant Payments
Lars Goerke van den Berg
Watch video message
10:00
PostFinance Rediscovers Commerce
+ Developments in commerce
+ New Value Propositions
+ Invisible Payments
+ PostFinance Pay
David Kauer and Bernhard Lachenmeier PostFinance
11:10
Payments – Between Innovation and Security
Santosh Ritter Country Manager, Visa Switzerland and Liechtenstein
Maike Hornung Crypto Business Lead, Visa Europe
11:50
Metaverse & Crypto Payments as a Door Opener for the Future
+ Global transactions: Metaverse & Crypto Payments revolutionise international commerce
+ Financial democracy: Access to financial services for all thanks to Metaverse & Crypto Payments
+ Creativity and Markets: The Metaverse enables the creation, trading and monetisation of digital content and products
Sascha Münger Head Competence Center Crypto Related Products & Metaverse, Worldline
12:30
New Technologies Fueling New Use Cases: The Digitalisation of Customer Relationships and the Role of Payment Transactions
+ Challenges and opportunities in the digitalisation of customer relationships
+ (Generative) AI concretely experienced in payments: from Trusted Authentication to Fraud Management
Jacqueline Good-Ziltener Senior Business Development Consultant, Worldline
14:10
How to Prepare for the new European Legislative Landscape?
“Discovering Europe’s Instant Payments Opportunity”
+ Growth, statistics and trends for Instant Payments analysis from the world
+ A look at recent regulations and rulebooks as enabling factor for growth and success
+ Successful use cases for Instant Payments from around the world
Daniele Astarita ACI Worldwide
14:50
Mastercard: Innovations for a Changing World – Solutions for the Financial Industry
Dr. Daniela Massaro Country Managerin Mastercard Switzerland and Liechtenstein
16:00
Instant Payment. Instant Risk!
With Instant Payment, a payment is irretrievably made within milliseconds. This is a service that the market and customers expect these days.
With the obligation to introduce Instant Payments and migrate payment transactions to real-time, financial service providers now also have to rethink their risk assessment.
Learn how other financial service providers in the EU have been technically mastering this challenge for many years and remain competitive.
Patrick Juffern Business Development Manager, INFORM
16:40
It takes a village to raise a payment and an ecosystem to innovate
Learnings from the world of instant, ISO20022, cloud, Fintech, and AI.
Mick Fennell Business Line Director, Payments, temenos
17:20
KEYNOTE
How Artificial Intelligence will Revolutionise the World of Work and Payment Forever
+ How AI will change all areas of working life
+ How repetitive tasks will be completely taken over by AI
+ Opportunities & challenges for payment and other industries
18:05
Apéro riche
Following the official programme, Vereon invites all participants and speakers to an apéro riche. Take advantage of this opportunity to make and strengthen valuable contacts in a pleasant atmosphere.
Conference day 2 - November 14
08:40
Open Finance, Embedded Finance – New Chances Ahead. Will We Master Them?
+ The Federal Council is exerting pressure: Open Finance must go faster
+ More and more third-party providers want to integrate financial services into their customer journey: Embedded Finance, a huge growth market
+ What opportunities and challenges do we face?
+ What are our competitors doing abroad? What can we learn from this?
Rino Borini Scarossa
09:20
Stablecoins as Drivers for New/Innovative Business Models - Success Examples from the Bitcoin Lightning Network
+ Current developments in Switzerland: Focus on stablecoins, CBDCs, and crypto payments
+ The benefits of Bitcoin Lightning and the potentials arising from Taproot Assets and RGB
+ Examples from the fields of digital media, mobility, and the creator economy
Gregor von Bergen Head of Payments and digital Assets Switzerland, Capco
10:00
Europe's New Independence - Payment Innovations by Regulation
Initiatives extend to the horizon – a new wave of regulations for the European payment market is on its way. Digital Euro, EPI, eID, PSD3 are terms that are supposed to shape the payment market of the future. Yet multinational players abroad are setting the tone in Europe.
In a joint discussion with experts from the Swiss payment market, we dare to take a holistic look at new payment methods in Europe, as well as the effects on the Swiss market.
Andre Standke Thede Consulting
11:10
The Payments Trifecta: Classical Payment Means, Instant Payments, and CBDCs – Who will Actually Move the Needle and Reshape the Payment Landscape, or Will it Be AI Racing for Impact?
+ Where are we in comparison to global developments
+ What actually makes a difference from merchant end customer perspective
+ Which impact will AI have on the payment value chain
Fabian Meyer CORE
11:50
User-Centricity: How TWINT Creates Added Value in Payments
+ Enhancing payment through customer orientation
+ Mobile payments as simplification and reduction of bureaucracy
+ Innovation and user-centric design
Adrian Reto Plattner Chief Sales Officer und Thomas Graf Chief Product Officer, TWINT
Watch video message
12:30
Evolution of In-Car Payments
+ Why we are convinced that in-car payments will become an everyday part of our lives
+ How Mercedes pay turned the car into a payment device
+ What makes native in-car payments convenient and secure?
Isabell Katzenbach Mercedes pay
Watch video message
14:00
Banking of the Future: Via Chat Supported by Generative AI
Kurt Schmid Managing Director Digital Banking, Netcetera
14:10
Sustainable Finance: Biodiversity Risks and Opportunities for Financial Companies
Angela McClellan Director Sustainable Finance, PwC
Centi - Stablecoins and the Future of Payment
The most compelling Stablecoin use case at the same Convenience as Web2 Payments
+ Micropayments Capabilities
+ Disintermediating Payments
+ Transparency in Payment Services
Bernhard Müller General Manager / Chairman of the Board, Centi AG
Partner
ACI Worldwide is a global leader in mission-critical, real-time payments software. Our proven, secure and scalable software solutions enable leading corporations, fintechs and financial disruptors to process and manage digital payments, power omni-commerce payments, present and process bill payments, and manage fraud and risk. We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce.
Erfahren Sie mehr im Who is Who.
Capco, a Wipro company, is a global technology and management consultancy specializing in driving digital transformation in the financial services industry. With a growing client portfolio comprising of over 100 global organizations, Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to deliver end-to-end data-driven solutions and fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting-edge ingenuity is brought to life through its Innovation Labs and award-winning Be Yourself At Work culture and diverse talent.
Learn more in the Who is Who
CORE is an IT think tank based in Berlin, Dubai, London and Zurich. As a consultancy with valuable implementation expertise, CORE facilitates the management of complex IT transformations of companies and market participants for whom IT contributes significantly to their business success. With its range of services, CORE addresses large parts of the IT value chain - starting with the analysis of market developments, the design of the (IT) strategy and the definition and management of implementation projects, to the implementation of digital solutions and operations. CORE provides interdisciplinary expert teams devising complex technology strategies together with our clients. These teams combine management consulting expertise with specialized technology and industry-specific knowledge. Besides its technology focus, CORE is specialized in retail and corporate banking as well as insurance, media, public sector and health care.
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INFORM GmbH is a global company in advanced optimization software systems and a leader in providing intelligent, customer-centric fraud prevention and AML compliance solutions. With RiskShield we offer a multi-channel platform that detects and manages suspicious activities, minimizing losses and optimizing efficiencies using advanced analytics, machine learning and intuitive rule management controls. RiskShield provides a robust solution with proven fraud detection results that are reliable, fast and responsive. More than 1000 companies worldwide benefit from using advanced optimization software systems by INFORM in industries such as financial services, insurance, telecommunication, health care, transport logistics, airport resource management and production planning. INFORM employs over 900 staff from more than 30 countries.
Learn more in the Who is Who
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
For 27 years Netcetera has been serving its customers worldwide with best-in-class digital payment solutions. Growing with the business, we are internationally present in 19 cities, with over 850 dedicated employees supporting our customers 24/7. Our award-winning, innovative product portfolio interconnects the whole digital payment ecosystem. We successfully serve 200K+ merchants with acquiring services and protect nearly 100+ million cards at more than 800 banks and issuers with 3DS issuing service.
Learn more in the Who is Who
PostFinance is one of the leading Swiss financial institutions and, as the market leader in payment transactions, ensures a smooth flow of money every day. Whether it's paying, saving, investing, making provisions or financing - PostFinance meets its customers at eye level, speaks their language and offers them understandable products at attractive conditions. This makes it the ideal partner for anyone who wants money to be easy to handle and manages their finances independently. PostFinance employs around 4000 people throughout Switzerland.
Learn more in the Who is Who
Temenos AG (SIX: TEMN) is the world leader in banking software. More than 3,000 banks worldwide, including 41 of the top 50 banks, rely on Temenos to process both daily transactions and customer interactions for more than 500 million banking customers. Temenos offers Cloud-native, Cloud-agnostic and AI-driven front office software for core banking, payments and funds administration, enabling banks to deliver seamless, omnichannel customer experiences and achieve operational excellence. Temenos software has been shown to enable best-performing customers to achieve a cost-to-revenue ratio of 26.8%, corresponding to half the industry average, with a return on capital of 29%, which is three times the industry average. These customers invest 51% of their IT budget in growth and innovation over maintenance, which is twice the industry average, demonstrating that banks' IT investment adds tangible value to their business.
Thede Consulting provides support in the development of future payment solutions. On a European level, we consult decision makers on strategy, concept development and implementation in Financial and Mobility Services, Retail and Loyalty in order to develop business models for seamless, multichannel payment processes. Our core competency is the application of new technologies, e.g. Connected Car, Wearables or Voice Services, as well as the evaluation of valuable data insights for customer retention.
Learn more in the Who is Who
Make convenient and secure payments with TWINT using your smartphone: pay at the cash register in supermarkets, in online shops, when shopping at farm shops, on public transport, when parking or transferring money to your friends. With over five million active users and over 160 employees, TWINT is the leading payment app in Switzerland. TWINT AG belongs to Switzerland’s biggest banks: BCV (Banque Cantonale Vaudoise), Credit Suisse, PostFinance, Raiffeisen, UBS, Zürcher Kantonalbank as well as SIX and Worldline.
Learn more in the Who is Who
For 37 years, van den Berg FS GmbH has been developing innovative payment solutions. With expertise in instant payments, individual and bulk payments, SEPA Card Clearing, SWIFT and EBICS connectivity, van den Berg has established itself in the market as a reliable payments specialist.
Decades of experience and extensive know-how support banks and companies in the efficient handling of payment transactions and related processes. The company's own payment transaction system vdb/PPM can be operated either in-house (on-premise) or completely in its data centers (Payments-as-a-Service).
The solutions of van den Berg are used by about 100 customers, more than 60 of them use the services in the certified data center.
van den Berg has an extensive network, effective partnerships and is proactively shaping the future of payments in working groups.
Learn more in the Who is Who
Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.
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Worldline [Euronext: WLN] helps businesses of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced payments technology, local expertise and solutions customised for hundreds of markets and industries, Worldline powers the growth of over one million businesses around the world.
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The ZHAW School of Management and Law (SML) is one of Switzerland’s leading business schools. Our internationally acclaimed BSc and MSc programs as well as our range of continuing education programs are scientifically grounded, interdisciplinary, and practically oriented. As part of a university of applied sciences, we are devoted to the applicability of theoretical knowledge. Our research and consulting activities are theoretically sound and have practical value, focusing on immediate, efficient feasibility. Our main principle “Building Competence. Crossing Borders.” reflects our commitment to quality degree programs and further education, as well as a global mindset.
Networkpartner
Die Netzwoche ist die leserstärkste, crossmediale Schweizer B2B-Publikation für Business-IT und mit Best of Swiss Web zudem die Homebase der Schweizer Internetwirtschaft. Die unabhängige Technologie-Redaktion der Netzwoche ist die grösste ihrer Art in der Schweiz und berichtet topaktuell und fundiert über ICT und ihre Auswirkungen auf Wirtschaft, Politik und Gesellschaft. Ausserdem vertieft die Netzwoche in separaten Magazinspecials Themen aus vertikalen Märkten, etwa der Finanzindustrie.
So beschreibt und analysiert die Redaktion im Netzwoche-Special «Fintech & Insurtech – Digitalisierung bei Banken und Versicherungen» die technologische Seite der Finanz- und Versicherungsindustrie und bietet innovativen Unternehmen aus dem Fintech-Umfeld eine publizistische Plattform. Alle Publikationen der Netzmedien richten sich an Business-Entscheider in Organisationen dedizierter Branchen, insbesondere CIOs, CEOs, Bereichs- und Abteilungsleiter sowie Business- und IT-Consultants.
www.netzwoche.ch
Mediapartner
Moneycab, THE news platform for decision makers since 2001. Free of charge, up-to-date, relevant. This is where CEOs, entrepreneurs and founders get information every day. Interviews, digitalization, startups, sustainability, finance or IT: Always be up to date on all channels (web, smartphone, newsletter).
Payments Cards & Mobile is built on three pillars of: Publishing, Research and Consulting. For 28 years we have been supporting the payments industry with our award-winning insight and analysis. We offer our clients services ranging from content creation through reports, white papers and blogs through to distribution via our own platforms, supported by a strong social media presence and paid for media like The Economist and The Financial Times. Payments Cards and Mobile magazine covering Cards, Issuing& Acquiring, Regulation, Mobile Payments, Contactless, e-Commerce and POS is published 6 times a year with supplements.
