Conference Speakers

Sandra Alzetta

Sandra AlzettaSandra is Executive Director of the Product Enablement function at Visa Europe and her current focus is on leading Visa Europe’s tokenisation programme, enabling secure, mass market innovation across multiple channels today and, ultimately, providing the payments platform for the Internet of Things. She also leads the team responsible for working with European standards bodies to shape the trajectory of payments.

Sandra has held multiple leadership roles since joining Visa in 1990, spanning innovation, product development and business development. In 2012, Sandra was listed in the Mobile Power 50 as one of the most influential people in the mobile industry in the UK. Prior to joining Visa, Sandra worked at Northern Telecom in their data networks group.

Erik Baele

Erik_BaeleSince 2012, Erik has been General Manager of BMC – Belgian Mobility Card, a company jointly owned and governed by the 4 Belgian Operators of Public Transport, created with the mission to develop a common smart card ticketing system between the Belgian Public Transport Operators.

Before this time, Erik was IT manager at STIB (La Société des Transports Intercommunaux de Bruxelles), in charge of projects, development and operations within the business critical IT systems, including new MoBIB and the old magnetic ticketing, regulation of traffic, passenger information, fleet management and security of the Brussels metros, trams and buses.

Erik is also active in Calypso Network Association (CNA) as treasurer.

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 – 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.


Ciarán Curran

Ciarán CurranCiarán, a marketing communications professional with 15 years’ experience, is an associate director of H+A Marketing + PR. He worked as part of the ‘Cork Cashes Out’ team, devising and implementing the creative campaign to support the initiative positioning Cork as Ireland’s first cash-free city. ‘Cork Cashes Out’ was led by Cork City Centre Forum, a group comprising key business stakeholders including Cork Chamber of Commerce, Cork Business Association, Cork City Council and An Garda Siochana with the support of H+A Marketing + PR.

Ciarán has worked in a number of Irish agencies and has provided strategic and tactical communications advice to clients across a broad range of sectors.

Danial Daychopan

Danial DaychopanDanial is a fintech entrepreneur within the payments industry that has been active in the groundbreaking blockchain and bitcoin ecosystem since 2013. His vision is to create a next generation payment system by utilising decentralised applications and harness the true potential hidden between contactless payments and blockchain technology.

Danial previously led a team to develop and launch a blockchain-based merchant solution and exchange service. He led the company during its infancy to provide services aligned with the needs of the rapidly growing Bitcoin economy.

Danial is currently the Founder & CEO of, an application powered by smart contracts to make contactless Bitcoin payments possible at any NFC-enabled terminal worldwide.

John Devlin

John_DevlinJohn 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.

Kevin Farquharson 

Kevin_100Kevin is a highly experienced Programme Manager and Consultant in the uses and applications of smart media. He is particularly knowledgeable about payment applications, mobile technology, contactless cards, smart ticketing, resident cards and university card schemes.

Kevin is Managing Director of Smartran which he founded in 2003. He has gained his experience in Government, Transport, Local Authority, Oil & Gas, Finance, Utility and Technology sectors. He is also  Chair of the Smart Card Networking Forum for Local Government and a regular contributor to ITSO, Transport Card Forum and SCNF events. Prior to Smartran, Kevin was a consulting manager for Accenture (formerly Andersen Consulting) and originally began his career as a System Engineer for BT’s Major Accounts team.

Ellie Gill

Ellie GillEllie is the campaign manager for Love Your Local Market, an initiative coordinated by The National Association of British Market Authorities (NABMA), which has now spread into fifteen countries including the US and Canada.

With an environmental science background, Ellie also runs her own consultancy practice, helping local authorities, charities and social enterprises get more from their town centres and was recently recognised by Marcus Jones MP with a Special Recognition Award in the Great British High Street Awards. She has introduced contactless and rewards schemes into a number of markets and worked with central government to deliver a digital objective aimed at getting more markets adopting contactless technologies, and market traders a more Omnichannel approach to retail.

Tami Hargreaves

Tami_HargreavesBefore joining Barclaycard in 2008 Tami spent 10 years working in the customer management outsource business responsible for Service and Account Management, Bid Development and Transformational Change. Tami joined Barclaycard as Strategic Supplier Relationship Director to manage key supplier relationships and change programmes across the business. She has delivered major transformation change programmes globally over the past 7 years and now runs the Digital Consumer Payments business. She is responsible for the bPay wearable payments business, contactless mobile and contactless payments across the business.

She was responsible for launching the PayTag contactless sticker, Strategic Partnership with TfL (Transport for London), the business wide contactless limit increase and implementation of other contactless initiatives across the business and industry.

Steve Howes

steve_howes100x100Steve has worked in the field of the application of information technology in the transportation and defence sectors for more than thirty years, the last twenty of which have been spent exclusively working in the transport sector. Now at the Association of Train Operating Companies (ATOC), Steve is Managing Director of Rail Settlement Plan, responsible for the design, build and operation of information systems providing a range of services to the passenger rail operators which enable its fully interoperable ticketing system. In particular, he has been closely involved with the introduction of smart ticketing technology to the railway, sitting on the ITSO Board, and the ‘ITSO on Prestige’ Project Board, leading the negotiations with TfL on Oyster PAYG, working closely with operators on the expansion of barcode and EMV based ticketing.

Richard Koch

Richard KochRichard joined The UK Cards Association in 2011 and took up the role of head of policy in 2013. He leads the team responsible for influencing regulation and legislation through effective, evidence-based policy development, and has been instrumental in developing our reputation as a proactive trade association.  Richard has over 25 years of experience in banking, including having worked in a variety of roles in the card payment business of the Lloyds Banking Group for over a decade.  In various roles he has had responsibility for commercial relationships with payment schemes, interaction with industry bodies and implementation of industry-wide initiatives.

Eric Lein

Eric_LeinEric is the Head of European Operations at TrialPay, where he has managed the office in Berlin, Germany, since the beginning of 2014. His mission is to connect brand and e-commerce advertisers with publishers across mobile and web-based social gaming platforms and alternative payment systems for online services. Eric was previously a Sales Director for TrialPay, building up client relationships in South-Western European markets and the mobile sector. Before TrialPay, Eric worked as Global Account Manager at zanox, Europe’s leading performance advertising network, where he was responsible for cross-country publisher activities. Eric enjoys multi-cultural business environments, plays piano and speaks five languages fluently. 

Claire Maslen


With over 20 years’ experience at the forefront of the telecoms industry, Claire has developed a thought leadership position on m-commerce and identity, and is a subject matter expert on NFC. Working with mobile operators, regulators & policy makers, banks, payment networks and Fintech companies at the GSMA, Claire is passionate about fostering collaboration to deliver innovative mobile consumer experiences.

At the GSMA, Claire is responsible for market development, and as such is a regular speaker and contributor at major industry conferences and events. Claire has been recognised in the industry with various awards.

Previously, Claire was responsible for defining the product and technology strategy for NFC within O2, and led Telefonica’s entry into the market of Near Field Communications.

Lars Pederson

Lars_PedersenLars joined Creditcall as CEO in 2014 and is responsible for the company’s global initiatives, continued growth in the U.S. and reinforcing its mission to serve as the Heart of Payments.

He has led and grown technology companies around the world, from California to Copenhagen, and has more than 20 years of experience across the fintech, wireless, telecommunications, management consulting, and offshore sonar equipment industries.

Prior to joining Credticall, Lars has held senior leadership roles serving as CEO of InnovFocus; CEO of RESON Inc.; President of the Anritsu Instruments Group based in New York; and Deputy CEO at NetTest A/S. Currently he is also Chairman of the board of Xena Networks A/S, and Director of Creditcall Ltd and CardLab A/S.

Alison Pilling

Alison PillingAlison is currently on secondment from West Yorkshire Combined Authority (WYCA) to be Programme Director for the Integrated and Smart Travel workstream for Transport for the North (TfN).

Alison began her career as a teacher before moving into transport working first for AGMA before moving to Metro (as it was then) to manage a European project delivering a range of travel choices activities.

In 2004 she took on delivery of a 150 vehicle yellow school bus project before becoming Information and Marketing Manager for WYCA. This role has incorporated the business change activities around West Yorkshire’s Smart Card and Information Programme.

Steve Ramsay

Steve RamsaySteve is an independent consultant specialising in smart and account based ticketing. Steve made the jump from Telecoms to transit in 2008, joining Transport for London and helping introduce new functionality into the Oyster system, including its expansion onto National Rail services.

Steve became the Product Manager for the Future Ticketing Project (FTP), which delivered an account based back office and associated services that enabled the acceptance of contactless payment cards on the Oyster estate.  Involved from inception to launch, Steve was responsible for the team developing the technical and functional requirements of the system.

Since becoming an consultant, Steve has provided technical consultancy to the DFT and ATOC, and helped develop the Implementation Guidelines for the UKCA contactless framework.

Björn Scharfen

Bjoern_ScharfenBjörn has more than 18 years of experience in the electronic components industry and is currently holding the position of Marketing Director, heading the Product Marketing & Management of the Business Line Secure Mobile & Transaction at Infineon Technologies. He assumes worldwide responsibility for security controllers used in Mobile Communication, Payment and Transport & Ticketing applications.

Prior to this role he worked for over 10 years in various positions within the Marketing team of the Security & Chip Card ICs division mainly for Payment and Communication. 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.

Phil Sealy


As part of ABI Research’s Digital Security research practice, Senior Analyst Phil’s research focuses on the primary markets for smart cards and secure ICs, reporting on new and emerging sectors, products groups and technologies.

The Digital Security Practice focuses on end-to-end security research, from the silicon all the way up to cyber-based applications, analysing technology trends as well as industry-specific implementation.

Ian Shayler

Ian_Shayler[1]Ian joined The UK Cards Association in Card Payments Policy in August 2006 and works on a wide variety of policy areas. He facilitated discussion between the cards and transit industry to develop a contactless transaction acceptance model for Transport for London’s recent launch of contactless. This was followed by a three year programme to bring together the customer / cardholder experiences that met the needs of both industries.

Ian worked for NatWest and then The RBS Group for seventeen years in Small Businesses, the Retail Bank and New Product Development and what is now WorldPay for the last four years.

Derek Stewart

derek_stewartDerek is co-founder and lead investor in cab:app, a mobile booking and payments app connecting passengers in 90 locations with black cabs in the UK and licensed taxis Ireland.

cab:app’s payment platform enables passengers to pay for taxis using Visa, Mastercard, American Express, contactless, Apple Pay and PayPal. The tech platform incorporates a unique loyalty/rewards business model where taxi drivers, passengers, affiliates and charities share in the success.

Derek is also an investor and/or co-founder in a number of disruptive technologies including Disruptive Mobile incubator, crowdfunding, video conferencing and podcasting. Previously, Derek was the co-founder of BNY Mellon Alternative Investments, which he built from a start up to managing US$2bn of assets for institutional and high net worth investors globally.

Daphne Stopforth

Daphne StopforthDaphne has been the Chilled Solutions Manager at Lucozade Ribena Suntory (LRS) since the business was formed at the start of 2014; before which she did the same role at GlaxoSmithKline (GSK) for 2 years.

Prior to GSK, Daphne spent over 20 years at Nestlé in various Sales, Trade Marketing and Project Management roles including 6 years involvement with confectionery vending.

In her current role, Daphne is responsible for the profitable management of LRS’s estate of chillers and vending machines; and the development of the solutions offered to LRS’s customers in order to meet their needs and those of their consumers. Daphne introduced cashless payment to the vending estate in 2013 in response to consumer insight and payment trends, and to drive sales growth.

Jörg Suchy

joerg_suchyJörg is Associate Director Strategic Business Development Chip Card, NFC and Bio-Processor for Europe, Middle East and Africa (EMEA) with Samsung Semiconductor Europe. He represents the Samsung Smart Card and NFC Controller domain throughout the entire market value chain, presents Samsung’s Vision and Market Trends as a speaker at key industry events and has contributed in the development of several white papers.

Before joining Samsung in 2002, Jörg started his career in 1994 at the Semiconductor Production of Philips RHW in Hamburg. In 1997, he joined NEC Electronics (Germany) GmbH in Düsseldorf. In 1993, Jörg graduated in electrical engineering from the Hamburg University of Applied Sciences in Germany.

Jonathan Vaux

Jonathan VauxJonathan was appointed Executive Director, Innovation Partnerships by Visa Europe in 2014 to ensure Visa remains the preferred payment method as digital technologies evolve to change the way consumers buy and pay for goods and services. Jonathan is focused on extending the Visa acceptance promise into new digital environments – whether it’s online or in-store, through a mobile or a tablet, in-app or through a digital wallet – and developing flexible ways for partners to integrate Visa services into their commerce and banking platforms.

Jonathan has held a number of roles since 1998 including Commercial Director of, Head of Processing, Head of Alternative Payments, Head of Commercial Solutions and Vice President, Commercial Solutions for Visa International.

Richard Warren

Richard WarrenRichard has recently joined Miura systems, the world’s leading Mobile and Tablet POS hardware provider, where he heads up product management. Prior to this he was Managing Director at research and marketing agency FirstPartner. In this role he led strategy, product development and marketing projects for a range of clients including Vodafone, Visa Europe, Oracle, Microsoft, TomTom and Sky.

He has significant experience researching and developing payments, mobile marketing and commerce propositions on behalf of payment processors, service providers, vendors and mobile network operators.

Paul Weaver

Paul_WeaverPaul has worked at Cancer Research UK for 3 years; firstly in the Innovation Team before moving to the Digital Team to explore innovations in technology and ensure CRUK are utilising new tech / trends to maximise fundraising. During this time he’s helped launch numerous campaigns including BBQ for CRUK and World Cancer Day, as well as delivering digital projects like the sectors’ first virtual reality laboratory tour. He’s passionate about new technologies and the way they can improve people’s lives, and believes contactless payments are integral to the future of fundraising.

Edan Yago

Edan YagoEdan is the CEO of Epiphyte. Previously he was a Senior Product Manager at Zynga, the world’s largest gaming company specialising in virtual currency. Managed large teams developing innovative technologies securely handling payments for millions of customer. Inventor of multiple patents and previously co-founder of Memetic Markets, which developed cutting edge financial exchanges.