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E-payments without frontiers

at the European Central Bank,
Frankfurt am Main, 10 November 2004

Introduction
Programme

Introduction

E-payments are payments that are initiated, processed and received electronically. The European e-payments market is not one without frontiers yet. Consumers, merchants and providers alike still show a strong home bias in their activities. Albeit, there are already the first innovative e-payment schemes that can be used across borders and with different currencies. The regulatory framework for e-payments is also further evolving.

Against this background, the European Central Bank (ECB) is holding a conference on 'E-payments without frontiers' on 10 November 2004, focusing on issues related to e-payment initiatives, security and regulatory issues. The aim of the conference is to provide an overview of recent developments and issues related to e-payments. The scope is on retail services that support e-commerce transactions (business to consumer, B2C) or electronic payments between consumers (person to person, P2P) and that constitute new concepts, beyond the basic traditional payment instruments provided by the banking industry. Recent developments of the e-payments market will especially be set into a Pan-European and regulatory context.

The conference will be held at the ECB's premises in Frankfurt am Main. As the ECB's capacity for hosting this conference is limited, attendance will be on invitation only. For the detailed conference programme please see below. Summaries of the presentations and the panel discussion will be published on this page after the conference.

Please contact Monika Hartmann (monika.hartmann@ecb.int) or Eszter Tanai (eszter.tanai@ecb.int) with any queries concerning the conference. back to top

Conference programme

8:30	Registration and coffee.
9:00	Welcome address by Ms Gertrude Tumpel-Gugerell, Member of the Executive Board: pdf 39 kB, en
9:10	Opening speech by the Chairman of the conference: Mr. Koenraad De Geest, Deputy Director General, Directorate General Payment Systems and Market Infrastructure. Slides from the presentation: pdf 263 kB, en
9:30	What is new with innovative payments? by Ms Monika E. Hartmann, Directorate General Payment Systems and Market Infrastructure, Payment Systems Policy Division. Slides from the presentation: pdf 317 kB, en
10:00	The demand side / users Speakers: Mr. Malte Krüger (Lecturer, University of Karlsruhe / PaySys Consultancy). Slides from the presentation: pdf 800 kB, en Mr. Robert Caplehorn (Legal Director, PayPal/ebay). Slides from the presentation: pdf 147 kB, en Mr. Xavier R. Durieu (Secretary General, Eurocommerce). Summary: pdf 43 kB, en Mr. Dominique Forest (Economic Advisor, Bureau Européen de l'Union de Consommateurs). Slides from the presentation: pdf 108 kB, en
11:00	Coffee.
11:20	The supply side / providers Speakers: Mr. Thaer Sabri (Chief Executive, EMA, UK). Slides from the presentation: pdf 1210 kB, en Mr. Iván Clemente (Senior Vice-President of Operations, Mobipay, Spain). Slides from the presentation: pdf 337 kB, en Mr. Fabian Siegel (Chief Technology Officer, FIRSTGATE Internet AG). pdf 192 kB, en Panel discussion with the speakers from the two previous sessions (the demand and the supply side) and questions from the audience.
12:30	Buffet lunch.
14:00	Security, fraud and identity protection for online transactions Speakers: Mr. Rafaël Rondelez (Deputy Head of the Crimes against Property and Financial Crime Unit - SC4, Europol). Slides from the presentation: pdf 47 kB, en Mr. Riten Gohil (Executive, APACS, UK). Slides from the presentation: pdf 798 kB, en Mr. Sebastiano Tiné (DG Internal Market, European Commission). Slides from the presentation: pdf 45 kB, en. Panel discussion with the speakers from this session and questions from the audience.
15:00	Costs and efficiency of different payment instruments Speakers: Mr. Leo Van Hove (Professor, Vrije Universiteit Brussels). Slides from the presentation: pdf 171 kB, en Ms. Gabriela Guibourg (Economist, Sveriges Riksbank). Slides from the presentation: pdf 76 kB, en Mr. Ken Howes (Director, Edgar, Dunn & Co.). Slides from the presentation: pdf 69 kB, en. Panel discussion with the speakers from this session and questions from the audience.
16:00	Coffee.
16:20	Standards and regulatory framework for e-payments in Europe (short introductory statements, followed by a panel discussion, chaired by Mr. Koenraad De Geest). Panellists: Mr. Terence Alan Dirienzo (Chair of the Credit Transfer Working Group, EPC). Slides from the presentation: pdf 81 kB, en. Mr. Thaer Sabri (Chief Executive, EMA UK) Mr. Fabian Siegel (Chief Technology Officer, FIRSTGATE Internet AG) Mr. Sebastiano Tiné (DG Internal Market, European Commission) Mr. Denis Beau (Directeur adjoint, Banque de France): pdf 21 kB, en Mr. Johannes Priesemann (Head of Payment Systems Policy Division, ECB)
17:20	Closing remarks by the Chairman, Mr. Koenraad De Geest.