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More than 80 experts in Zagreb are uncovering what is happening with banks, whether tokens will replace money, and how to protect against upcoming risks

Representatives from central banks, leading regional banks, technological leaders, investment funds, and associations are coming to the Money Motion conference

More than 80 experts in Zagreb are uncovering what is happening with banks, whether tokens will replace money, and how to protect against upcoming risks

Buying mobile top-ups through the m-banking application, implementing generative AI solutions to prevent significantly more card attacks, the resurgence of Bitcoin and breaking its own value records, and even a dating application that connects people based on their credit score are just some of the news that marked the first three months of the FinTech world this year.

However, the industry faces numerous challenges. At the beginning of next year, the new DORA regulation – the regulation on operational resilience for the financial sector – comes into force to set even higher standards of security for digital solutions in the face of cyber risks. Towards the end of last year, the preparatory phase for the implementation of the digital euro began, which will last for two years and will include the development and testing of technological solutions. Hand in hand with these topics comes the question of the future of money itself and whether tokenization is a realistic solution for exchanging value in the traditional financial system, as well as what role banks play in such a reality and what they are doing today to remain relevant to their customers.

Answers to all these questions are expected at the region’s largest FinTech conference. Money Motion 2024 – supported by Nexi, OTP Bank, Mastercard, ASEE, and Monri – will take place on March 21st and 22nd at the Zagreb Fair. Over two days, more than 80 experts will exchange insights on three stages, and 2000 participants will have the opportunity, alongside top-notch lectures, to visit up to 30 presenters in the expo area, establish new contacts, and arrange meetings in designated networking spaces provided by the House of Blockchain – a unique venue in Zagreb for web3, crypto, and blockchain enthusiasts to meet, collaborate, and work together on projects shaping the future of the digital economy.

Furthermore, visitors will be able to relax in the MoMo Lounge and Food Court with tasty bites. At these locations, the daily program in the afternoon will turn into MoMo Mingle with food and drinks, accompanied by DJ Pips and DJ LukadeLux. The legendary closing party on Friday returns to the popular Peti Kupe venue in Zagreb with DJ Pytzek and DJ Ivna Ji.

The conference will be opened by the distinguished Anna Maj, a leading voice in the FinTech scene, who will reveal how the latest technologies are transforming the entire payment ecosystem. On the main stage, cyber risks will be discussed and defined by a panel bringing together six top experts in the field – Florian Jensen, Paul Moreno (Catawiki), Vlatko Čanev (NLB DigIT), David Capezza (Visa), Belma Ohranović (Raiffeisen BANK BH), and Viktor Olujić (ASSE Croatia).

Whether banks and FinTech companies are friends or foes, or complete strangers, will be discussed by Balázs Békeffy (OTP Bank), Christoph Schoefboeck (Erste Bank), Mario Žižek (Addiko Bank), Goran Varat (Podravska Banka), and Irina Bručić (Nexi Croatia). Božidar Pavlović will have a morning coffee on stage with Governor Boris Vujčić, while Nadiem Sissouno from MentoLabs and Nikola Škorić from Electrocoin will uncover whether stablecoins are the future of money.

An interesting part of the program will certainly be the competition among promising startups from 12 countries, which will take place on the Startup stage during the first day of the conference, with prizes – from a cash fund worth 10,000 euros to additional awards from Infobip and Microsoft – being awarded at the end of the second day of the conference on the main stage.

As Gea Kariž, Director of Mastercard in Croatia, considers, Money Motion is a reflection of the collective progress of the FinTech community, which Mastercard has been following since its inception.

 – We at Mastercard were truly inspired by the level of engagement, innovation, and collaboration that we witnessed in Lauba last year. This year, we’re excited to build on that foundation by diving deeper into topics of innovation and the future of digital payments. By being at the heart of these conversations, we continue to shape and be shaped by the cutting-edge of financial technology, ensuring we remain at the forefront of delivering value to our customers and partners.

In addition to the conference organizing team, OTP Bank has been a steadfast supporter since last year. Representatives from OTP Bank in this year’s program will underscore the importance of embracing technological advancements for the development and relevance of banks to end-users.

– Changes are a constant category, but they have never been faster than in today’s times. Conferences that bring together experts and pioneers in innovations, enabling meetings, exchanges of opinions, and experiences, are essential to secure our place at the very top of the market in our industry or area of interest. Banking has become digitalized, thanks to which services for clients are becoming faster and easier to use, but we must not lose touch and contact with clients in order to provide the best possible service for each individual client. At the Money Motion conference, we all have the opportunity to experience, learn, and share the most important information about future steps in shaping our digital future. That’s why we’re here and why we support and help make such events happen in Croatia – Balázs Békeffy, President of the Management Board of OTP Bank.

In conclusion, Igor Gržalja, CEO of ASEE, added: “We are proud to once again support the Money Motion conference, a platform we’ve passionately and enthusiastically built from the start. For the second consecutive year, we’ve gathered impressive names from the fintech industry, fostering unparalleled networking and idea exchange. It’s gratifying to see Money Motion elevate Zagreb and Croatia within the global fintech community, and we’re confident that the conference will continue to thrive with our ongoing support.”

In her keynote, Anna will delve into the forefront of payment technologies. She will guide you through emerging technologies, including recent developments in AI and explain how they can be effectively integrated into payment solutions and platforms.

She will share her insights into the ways payment transactions can be redefined and reengineered. She will provide examples of how payment processes and flows can be streamlined through open banking, a2a payments as well as payment orchestration. Learn how these technology advancements are not only reshaping payment transactions but also enhancing the overall customer experience. In her session, Anna will also explore the evolving role of embedded payments and their transformative effect on the merchant payment value chain.


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The discussion will focus on the impending digital and cashless transformation of the payments industry, driven by market participants including merchants, customers, banks/financial institutions, and payment networks. Key areas of exploration will include advancements in instant payments, the influence of the European Payment Initiative, and the future landscape of payment facilitation and acceptance.

Additionally, in this panel we will explore the impact of emerging technological trends such as SoftPOS adoption, regulatory frameworks like PSD3 and the Digital Euro, evolving business models like BNPL services, the diminishing use of cash, and discussions on cross-border payments and cryptocurrency integration, all of which are shaping the evolving nature of payment systems within Europe.


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At Mastercard, we strive to connect and power an inclusive digital economy that benefits everyone, everywhere. For almost 60 years, leveraging our global innovations capability, we work to digitize payment services across all channels and devices. Delivering payment value where speed, security and convenience matter most, and digital solutions solving consumers’, small and large businesses’ needs. Building trust in a digital world and embedding our social impact initiatives and ESG commitments into our core. Connecting everyone to priceless possibilities.


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What changes has open banking brought so far? What difference has it made and how? Who are the main drivers and players? Can open banking replace cards and what will it take? We will explore some of the open banking models around the world, use cases, lessons learned and what will the transition to open finance entail.


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The panel will cover the financial landscape's evolution from open banking to open finance. It addresses the development, challenges, and forward trajectory of alternative business models. The session will dive into impactful use cases while examining the implications of the latest EU regulations, lessons learned from existing regulations and anticipates changes with PSD3.


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In an increasingly digitised world, an elevated level of sophistication and personalization is expected from the banks when approaching the customers. To meet such expectations, not only a thorough knowledge and understanding of the customers' needs, but also an attentive customer-centric relation is needed. The banks should be able to know when, how and what to offer to their customer, taking into account their financial profile, as well as contemplating a well-thought engagement and communication strategy.


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In this panel, we will discuss the importance of data in today’s AI world.  First, we will cover what ChatGPT brings to banking and AI, demystifying whether it is a myth or a reality and how that fits enterprise users. Current generative AI offerings mainly focus on general models, but what about specialists’ models and their future?


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The panel will delve into the intricacies of the Digital Operational Resilience Act (DORA), the pioneering European framework that came into effect on January 16, 2023. By 17 January 2025, over 22,000 financial entities and ICT Service providers across the EU are expected to achieve compliance with this regulation. This, among other important activities, implies that millions of contracts within the EU will require renegotiation, placing a critical emphasis on fulfilling value chain requirements.

The panelists will try to unravel the essence of DORA by addressing key questions: What are the key requirements of DORA? How can financial institutions navigate their most pressing challenges, and why must organizations of varying sizes adopt distinct strategies? Is the talent pool of IT Risk managers adequate, and how will cyber teams be impacted? And most importantly, can we make it on time or are we already behind schedule in our preparations?


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Experience the Battle of the Decade firsthand! 

Hrvoje Cosic, the CEO of Aircash, is set to go head-to-head with the heavyweight champion Andrius Biceika, a distinguished board member at Revolut. This epic showdown will delve into numerous sensitive and even a few embarrassing topics :) such as the role of neobanks in Croatia and the broader region. Join us as we explore their respective exit strategies, identify fintech champions and contenders, and uncover their perspectives on various subjects like gambling, digital euro, and Apple Pay.


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The panel discussion explores Central Bank Digital Currency (CBDC), covering its definition, motives, and future implications such as its coexistence with current and future versions of digital money (deposit money, stablecoins etc). It addresses implementation challenges, competitive ecosystem building, CBDC as a public good, anonymity concerns, public authorities' roles, and the European Commission's digital euro proposal.


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Why would anybody use stablecoins? Except for trading of cryptocurrencies, ofcourse. What problems do we have with the current financial system that stablecoins solve? And, are they really so dangerous that central bank digital currencies were created just to stop stablecoins from taking over the world? Nadiem and Nikola deeply believe that stablecoins will have a pivotal role in shaping the future of money, come hear them chat about that.


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(coming soon)


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We will discuss the evolving landscape of financial technology, highlighting both challenges and opportunities for the next decade. Sigal, with his extensive background in FinTech and venture capital, will share insights on recent trends such as the impact of rising interest rates on funding, the stabilization of FinTech exits, and the promising outlook for FinTech IPOs. The presentation will also look into emerging disruptive technologies and the importance of understanding investor motivations for startups navigating the FinTech space.


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The panel will explore critical issues such as regulatory hurdles, market fragmentation, and funding challenges. It will look into the need for collaborative efforts between startups, investors, and other ecosystem stakeholders to foster a conducive environment as well as supportive policies to nurture the FinTech ecosystem.


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The talk will delve into the hurdles startups face, the support provided by European public sector institutions, and effective strategies for securing public sector grants. It will outline the availability of grants and other forms of support from the European Innovation Council (EIC) for startups and scaleups. Additionally, the talk will highlight success stories of Croatian startups that have leveraged grants to develop and scale their innovative products and services, offering valuable insights and guidance for emerging fintech enterprises in Europe.


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(coming soon)


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