Conference Speakers

Ram Banerjee


Ram has a passion for Smart Card technology especially when applied to Payments, Loyalty and ID. He has co-founded several companies including ACT (now part of Fujitsu) – the UK’s largest supplier of Transit ticketing systems.

Since 2010 he has devoted much of his time to TransaXiom, a UK company dedicated to bringing true electronic cash to mobiles using novel and patented technologies.

Lionel Baraban

Lionel BarabanLionel is a serial entrepreneur and started the adventure in France where he launched several successful start ups. He then went on to manage a technology incubator in Israel from 1995 to 1998. In 1998, Lionel founded Entopia, a company specialized in semantic analysis and raised $40 Million. He headed the company from Silicon Valley until 2006.

After France, Israel and the USA, Lionel moved to China where he developed Xanadu, a key player of online travel services, with Nicolas Berbigier. In 2010 they co-founded FAMOCO of which he is the CEO.

Adrian Burholt

adrian_burholtAdrian specialises in delivering outstanding new payments and mobile products to market and has been instrumental to the success of several of the major telecoms and banking businesses including Vodafone, Mercury, NEC, Payments UK and the UK Cards Association. During his career he has led, managed and launched of a number of significant ‘game changing’ mobile and payments based products and services such as text messaging, 3G and the industry wide mobile payments service, Paym.

Adrian is currently leading the delivery of the UK wide framework for the use of contactless bank and credit cards for public transport outside of London.

Jérôme Clauzure

jerome_clauzureJérôme has worked as the Smart-Ticketing Official at the French Agency for Multimodal Information and Ticketing (AFIMB) – part of the Ministry for Transport – since 2011.

His principal role is to promote interoperability: providing citizens with a more compelling alternative to the car through seamless public transportation offerings. To this end, AFIMB supports several standardization efforts with French and European partners.

He cooperates with many stakeholders: from governments to transportation entities, technology companies to banks, MNOs to e-Ticketing schemes. He also manages the certification working group of the Smart Ticketing Alliance, which has produced the framework for a certification program.

In 2003-2007, he was responsible for the Digital Tachograph implementation in France, acting as Risk Manager and Contact Person for European authorities.

Nick Dryden

Nick_DrydenNick has worked at the forefront of new multimedia and transmedia technologies for the past twenty years.

He has recently expanded his professional portfolio from music industry technologies by creating social platforms for group fans and permission-based predictive marketing strategies into federated platforms capable of much greater business intelligence for retail clients with integrated payments tech to engage and commercialise ‘connected’ audiences.

In 2012 he formed the company Sthaler, the original name for the US Dollar and the $ symbol, to work with Hitachi to build, test and deliver a pay-by-finger system which solved all the problems and vulnerabilities that existed in the current payments system.

Dr. Ralph Gambetta

Ralp_GambettaManaging Director of Temco GmbH, Ralph has a management and politics background with a Ph.D. as well as a strong involvement in the transportation sector. Before joining Temco GmbH in 1997, he was active in various transport companies such as German Railway, International Railway Union (UIC) and RATP (Paris metro and bus operator). Projects have included the successful smart card project CALYPSO and SINCE project.

Since 2005 he has been in charge of promotion at Calypso Networks Association (CNA) and the deployment of smart ticketing schemes. Recently his function at CNA was extended to General Secretary. He is also a member of the German standardisation committee of information technology and smart cards and vice chair of the Smart Ticketing Alliance.

Liz Gibson

Liz CoodeLiz has a wealth of payments experience, having worked for Creditcall for over fifteen years and is now Head of Payment Services. Joining the company from a telecoms background in 2001 (having spent the first ten years of her working life in catering, which she refers to as ‘great training for handling ten impossible deadlines simultaneously while everyone’s yelling ’) she has led the company’s PSP sales for over a decade, during which time the company has grown from under a dozen people to almost a hundred.

Liz’s role includes direct sales working with larger clients with complex projects and a market lead approach helping to ensure Creditcall’s PSP solutions are available and suited to as many customers, integrators and manufacturers as possible.

Arco Groothedde

arco_grootheddeStarting his career in the Payment Industry, Arco switched to work for the Dutch Vehicle Licence organization and the Dutch Kadaster (Land Registry & Mapping Agency). Since 2012 Arco has been CEO of Translink Systems B.V. where his 28 years of experience working in IT, Operations and General Management in public/private businesses has come together. Translink is the connecting force behind the OV-chipkaart.

Translink processes 2.4 billion transactions per year and about 14 million OV-chipkaarts are in ‘use’. We have built up a wealth of experience, data and knowledge on contactless payment in public transport and are developing a variety of innovative, well thought-out services for customers and passengers, with a clear vision of the future.

Katja Kienzl

Katja_KienzlKatja has been responsible for marketing Infineon’s transport related products since 2010 and is currently Head of Transport Ticketing Product Line Marketing. In this role she is driving the overall product strategy on a worldwide basis. In 2016 Katja was elected as a member of the OSPT Alliance board. Before that she was driving RFID business development activities and was engaged in setting up Infineon’s Ident Solutions Group.

Prior to joining Infineon, Katja held various management positions such as head of segment marketing and international marketing management at NXP Semiconductors (formerly Philips Semiconductors) and Mikron GmbH.

As a business development and marketing professional Katja has been actively involved in the Smart Card & RFID industry for more than 15 years.

Yannick Le Goff

yannik-le-goffYannick started his career in 1997, at CAP Gemini as a project manager. He continued to develop his skills during 14 years at Schlumberger/Parkeon in various management positions such as project manager, Key account manager, R&D manager and Marketing and business development director.

He has a strong background in the urban mobility eco-system, based on transport and parking experiences.

Since December 2012, he has been the Head of Transport in the Financial Services Institutions Business Unit to lead the transport business within Oberthur technologies. Yannick has been involved in the OSPT alliance since 2013 and has been elected as president of the OSPT Alliance board.

Nektarios Liolios

Nektarios LioliosCEO & Co-founder of Startupbootcamp FinTech & InsurTech, the leading innovation program in the financial and insurance industries, providing funding, mentorship, office space in the heart of London, Singapore, New York, Mumbai and Mexico City as well as access to a global network of investors and VCs, for up to 10 selected FinTech startups per program.

Nearly 20 years in the business, previously with Clearstream and SWIFT, running the Innotribe Startup Challenge.

Driven by entrepreneurship, collaboration and the desire to transform industries.

Global nomad, travel geek, sneaker freaker.

Stuart McLay

Stuart_McLayStuart currently leads the account management/client relationships within the UK and EMEA for Masabi. Over the last 11 years Stuart has worked within the rail and transit sector, leading teams within customer services, operations, commercial and retail.

Stuart’s vision is to ensure the provision of a customer centric proposition focused on delivering, simplicity, value and innovation.

A key priority and area of responsibility for Stuart is working on the implementation and ongoing success of innovative digital ticketing solutions for transit organisations within the UK and Europe.

Jens Mullak

jens_mullakJens graduated from the University of Munich in 1983 with a Master of Science Degree in Electrical Engineering, and has acquired a wide range of experience within the transport sector including software engineering, public transport CAD/AVL systems, communication systems, as well as account and project management during his subsequent career.

Jens joined INIT GmbH in 2005, and after acting as UK branch manager, he is now Managing Director of INIT Innovations in Transportation Ltd in the United Kingdom.

Jens is also currently the Chair of the Nottingham Means Business German Interest Group, which focuses on fostering the trade relationship between Nottingham and Germany.

Asst. Prof. Ercan Ölçer


Ercan is currently working as project manager for Smart Card Operating System (AKIS) in TUBITAK (The Scientific and Technological Research Council of Turkey). At the same time, he is still a specialist in Turkish Standards Institutions covering card access devices, lecturer at Istanbul Şehir University and chief researcher / advisory committee member at TUBITAK. He works on smart card systems, secure card readers, identification and authentication.

He graduated ranking first in class from Yıldız Technical University in department of electronics and communication engineering in 1990. He completed an MSc at Istanbul Technical University, computer engineering department and he received his PhD in Kocaeli University, electronics and communication engineering. He has served as a lecturer at various universities.

Steve Orelowitz

steve_orelowitzSteven Orelowitz is based in the Visa London office and is a senior product manager. In this capacity he is responsible for the Visa transit solutions with particular focus on contactless bank cards solutions.

Steven spends much of his time working with transit authorities and banks in the UK, Europe and beyond, to facilitate the migration of existing closed-loop ticketing systems to open-loop flexible, account based solutions.

Tony Pettitt

tony_pettitt1Tony has been Chief Finance & Information Officer at Reading Buses for four years, with responsibility for finance, business support and IT systems and for major investment projects. He was previously an independent transport planning consultant with more than thirty years’ experience, gained in the UK and overseas, working with and for local authorities, transport operators and central government.

He has particular expertise in public transport operations and promotion, having worked extensively on transport telematics, including urban traffic management and control systems, ticketing, card technology and traveller information systems.

Sébastien Piolat

Sebastien PiolatSébastien joined the FinTech company Smartlink SA in 2013 and has moved across the company contributing in technical and business roles. In his current role he leads innovation projects related to contactless, payment, and wearables. As part of this business development role, he represents Smartlink during exhibitions and among Smartlink’s partner organizations. Now, his main focus is driving the evolution of the Contactless Companion Platform (CCP) in order to make any contactless service accessible from any device.

Stewart Roberts

steward_robertsStewart has 16 years’ experience in the payments and acceptance industry. Stewart joined iZettle over 5 years ago, and has served as both UK Managing Director, and Chief Financial Officer. Most recently he was appointed as Executive Vice President of the group and Executive Chairman of the iZettle Capital division.

Before iZettle, Stewart worked at Barclaycard as Global Director of Innovation and also represented Barclaycard as Board Member of the NFC Forum.

He joined Barclaycard as Business Development Director, in 2008, after four years at Royal Bank of Scotland and Worldpay, following their acquisition of Bibit Payment Services in 2004, where he had set up operations as UK Managing Director and worked as International Business Development Director.

Dennis Rocks

Dennis_RocksDennis is the Managing Director of Technology Services within the Rail Delivery Group (RDG) and is also a member of the RDG Executive Team.

He has worked in a number of sectors in senior roles, including Finance, Telecommunications, Finance Technology, Logistics and Rail Infrastructure.

His directorate is responsible for the delivery of central rail industry settlement, Smart ticketing technology and a number of key applications used by UK train companies and third parties. This involves building and maintaining key relationships with customers and suppliers of rail retailing and rail information services.

Michelle Salway

michelle_salwayMichelle is Senior Director of Sales (EMEA) at Nok Nok Labs and has over 25 years experience in the IT industry, with the last 15 years focused on Information Security in high tech sales and products.  Before joining Nok Nok Labs, Michelle spent the previous 5 years as sales and product specialist in Identity and Authentication services for Symantec, and has managed sales organisations in EMEA for PGP TrustCenter and TC TrustCenter.

Prior to that, she was Head of Government sales for Betrusted in the UK, and before moving to the UK was GM of Sales at 90East, a Managed Security Services company in Australia. She left her native New Zealand in 2000 after working with both Systems Integrators and Network Services Providers there.

Björn Scharfen

Bjoern_ScharfenBjörn has 20 years of experience in the electronic components industry and is currently heading the Payment and Wearables Product Line within the Smart Card Solutions Business Line at Infineon Technologies. He has worldwide responsibility for hardware based security solutions used in Financial Smart Cards and fast growing wearable Products.

Prior to this role he has worked for over 15 years in different positions within the Marketing of the Chip Card And Security ICs division, leading Product Marketing for Payment, Communication and Transport Ticketing for the last 5 years. Before joining Infineon in 2000, he started his professional career in 1997 with the Ceramic Components Division at Epcos AG as Product Marketing Engineer for automotive, industrial and consumer applications.

Kristian T. Sørensen


Kristian’s work within financial services has made him an acknowledged fintech thought leader. He is ranked on Rise Global’s “100 most influential people in fintech” and was shortlisted by PayExpo for the 2016 “Payments Power 10”.

Prior to joining Norfico, Kristian served four years in various strategic positions within Nets, where he led the strategy development for Nets’ mobile services across the Nordics.  Since 2010, Kristian has participated in Mobey Forum and has been an active contributor to the forum’s white papers. In 2016, Kristian was awarded honorary membership for “outstanding contribution” to the organisation.

Before Nets, he worked 10 years for the Danish bank Nykredit moving from managing online banking, over mobile banking to mobile payments.

Adizah Tejani

Adizah TejaniAdizah is a product focused technology executive having worked within the digital technologies space since 2009. She is currently the Director of Marketing EMEA at Token, an open banking fintech company from San Francisco. She was part of the founding team of Level39, a London based technology accelerator focused on fintech products.

Over the years Adizah has worked with a number of industry leaders such as Facebook, Google, Microsoft, IBM, JP Morgan, UBS, Thomson Reuters and Accenture. Adizah has spoken internationally about the impact of technology, business and finance at a number of industry events and conferences. In 2016 Adizah was named one of the top 100 women in London by City A.M.

Steve Wakeland

Steve_WakelandSteve has worked in technology risk management and information security at various industrial and financial services organisations for over 30 years.
He joined ITSO Limited late in 2011 as Governance Manager to lead compliance through the implementation of policies and procedures across the ITSO membership.

Since becoming General Manager of ITSO in January 2015 Steve has focussed on increasing the resilience of the organisation by strengthening the team, improving technology and supporting processes. More recently he has steered the company’s focus towards future-based technologies, including mobile and account-based ticketing.

Samee Zafar

Samee is a director in the London office of Edgar, Dunn and Company, a global management consulting firm. Samee has advised clients in North America, Europe, and Asia Pacific.

He focuses on advanced payments consulting advising banks, Fintech / technology companies, payment service providers, and other companies on internet and mobile commerce / payments. His expertise includes competitive strategy, operations improvement, financial management, and risk management. He has also advised clients on M & A transactions within the financial services sector.

Previously he worked at PricewaterhouseCoopers and Visa in New York and London. He has written widely on emerging trends in financial services, technologies, and related areas and also writes a regular blog.