John has worked in passenger transport for fourteen years. After starting his career on the South West Trains graduate scheme, he spent several years in station management and then worked on a number of rail franchise bids. He joined Go-Ahead Group in 2008 and is now responsible for leading Go-Ahead’s future ticketing strategy.
John also attends the Rail Delivery Group’s Retail Programme Board, which is tasked with setting the long-term vision for National Rail ticketing and is the sponsor of the RDG’s Innovation in Ticketing workstream. John attends the UKCA Contactless in Transit Steering Group and has been an active participant in the Contactless in Transit Working Groups.
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 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.
Ghela is active in the fintech industry, having spent the last ten years focused on business development for core insurance and banking system solutions, the last half of which has centered on financial services pricing governance functionality. Ghela also founded FemTechGlobal to bridge the gender gap in fintech and the financial services industry and was named one of Brummell Magazine’s 2016 ‘30 Inspirational Women Innovators’, and included in Innovate Finance’s Women in Fintech Powerlist 2016. She is a regular contributor to fintech publications and discussions, specializing in dynamic pricing and customer centricity.
Ghela works with Streets Consulting, and is also Head of Fintech Partnerships at Rainmaking, home of StartupBootCamp.
Jérôme 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.
James has had a 20 year career in the financial services, payments and loyalty industries and joined the Seamless group management team in October of 2014 as Global Sales Director. Seamless acquired MeaWallet in July 2016, which is one of the world’s leading companies in the digital payment space, and one of few companies focusing 100 % on tokenization technologies. At Seamless James is responsible for growing the MeaWallet and Seqr Payments businesses globally, developing and forging new partnerships in both new and existing markets.
Prior to joining Seamless, James held a number of senior commercial and business development roles at General Electric (GE), Banco Santander and Affinion International.
Danial is a fintech entrepreneur within the payments industry and is the Founder & CEO of Plutus.
Danial’s vision is to create the next generation payment system and he has been active in the groundbreaking blockchain and bitcoin ecosystem since 2013.
John is the founder and principal analyst of P.A.ID Strategies. Here he focuses on innovation and disruption across Payments, Authentication, Identity, Security and Connectivity for devices, people and transactions.
Utilizing over fifteen years of commercial and analyst experience, he takes a broad view of how different technologies fit together across multiple segments, understanding and explaining determining factors in market adoption and technology development. John has a deep understanding of working with companies to identify their requirements and determine how these can best be served to answer their questions and resolve tactical issues. He provides a considered approach to helping companies tackle the business issues relating to their strategies for mobile and wireless technology to realize new business opportunities and deepen engagement with their customers.
Nick 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.
Elizabeth is a business development executive with over 25 years of experience and is currently VP of Business Development at Carta Worldwide.
She is an expert in mobile payments and mobile wallets with direct experience in distinguished projects in Singapore, New Zealand, Australia, Canada, US, Latin America and Europe
Dr. Ralph Gambetta
Managing 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 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.
Starting 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.
Chris is the Director of Sales & Marketing for Ingenico Northern Europe. Prior to joining Ingenico Group he was Chief Commercial Officer at RS2 Software Plc, whose payment processing software and services are used by leading international banks and payment processors.
Over the past decade he has held executive roles and been instrumental in developing online and mobile payments for a range of companies, most recently Barclays where he was Head of Strategic Development responsible for their e-Commerce platform replacement.
Yannick Le Goff
Yannick 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.
Stuart 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 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.
Steven 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.
Omer is PayKey’s COO, leading cross-team projects and drives PayKey to run as smoothly as a customer-oriented fintech company should, including Finance, Operations and Next-Gen business planning
Omer’s experience includes leading projects in the financial sector and security fields.
Omer brings vast experience in building strategic approaches to emerging markets, enabling new business capabilities and delivering ‘cost appropriate’ and innovative solutions to corporate organizations.
Tony 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 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.
Tim is a technologist and psychologist with over 25 years experience in multinational transactional solutions in payments, identity and transit.
He is a principal consultant at Consult Hyperion where he manages business development and consultancy programs around the new EU regulations on payments and data security.
Stewart 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 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.
Paul is Chairman & Founder of European payments community, Vendorcom; Mentor at fintech accelerator, Level 39; Member of the UK Payments Systems Regulator Panel; and provides the Secretariat to the All Party Parliamentary Group on Payment Systems.
Paul is passionate about the payments industry and the benefits to be gained by driving innovation through collaboration. His work with Vendorcom ensures that all stakeholders in the industry are connected and have access to authoritative, independent information on strategic developments, standards, regulation, innovation and market opportunities. Paul is recognised for his broad perspective on industry matters as well as his independence, authority and pragmatism in dealing with the increasingly complex change that both merchants and solutions suppliers face.
Sam founded The Hub Company in 95 as the first UK digital agency and has since had 23 years uninterrupted in the ‘digital transformation’ solutions business. Orchestrating a management buy-out in 2006, he then performed The Hub’s own transformation into an end2end digital solutions software provider. The Hub has now been involved in over 300 digital transformation programmes, many with a high ecommerce impact and they remain open to what comes next.
Sam originally trained as an accountant with PW, which was followed by 16 years, 12 on the boards, of global marketing services groups including Saatchi and Saatchi.
Michelle 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 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.
Dr. Joerg Schmidt
Joerg is responsible for business development activities in the area of Transport Ticketing in Asia and the US, Near Field Communication Technology and Standardization activities for the Product Line Secure ‘Transport Ticketing’ at Infineon Technologies. Joerg started his career in contactless technologies in 2001 at the University of Dortmund (Germany), Department of Logistics, where he co-founded the LogIDLab® as well as the RFID Competence Centre, and headed the Department of Distribution- and Transport-Logistics. He later worked as Business Development Director at Schreiner LogiData where he was responsible for national and international RFID Projects. In 2008 Joerg joined Infineon Technologies as Business Development Manager in Neubiberg, Germany, where he initially managed Object-ID projects and then moved on to his current role in 2011. Joerg is the 1st Co-Chair of the ‘Transport SIG’ at the NFC Forum™ and the 2nd Co-Chair of the ‘CIPURSE™ Marketing Working Group’ of the OSPT Alliance. He has contributed to diverse standardization activities for contactless technology.
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 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 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.
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.