In this presentation, the speaker would like to show what difficulties and challenges they faced in implementing one of the most innovative banking FinTech solutions in Europe during the pandemic. He would also like to show how the new digital platform was received by the customers after the product was launched to the market.

• Pandemic is here, project must go on
• Finding balance in personalisation and new digital business models
• How to handle extra needs of digitally matured customers with an “off-the-shelf” Group wild solution

In the recent years, the digital payments industry has been experiencing continuous changing. For instance, in 2015 contactless payments in Italy accounted for 12% of the overall digital payments, while today they are facing a steady and quick growth due to the rise of other use cases via mobile and wearables. Phones, watches, rings, fingerprints and other biometrics: payment technologies are still in development and contactless mobile payments seem to be the future. Plus, cash is progressively losing power in Western countries’ economies while it has already lost the fight in the Eastern ones. IN THE LAST FIVE YEARS, THE ACCELERATION OF DIGITAL PAYMENTS DOUBLED COMPARED TO TWENTY YEARS BEFORE.

• From contactless payments to wearables: The story of a bold switch in users’ mind-set and how Intesa Sanpaolo responds to change
• Payments as a new way of expressing ourselves
• Cards Instant Issuing for On-The-Go users
• Card customisation: Interpreting customer tastes and responding quickly
• The opportunities of Open Banking: Partnerships with corporates and public administration
• The future of payments: Further opportunities deriving from an open approach

At Commerzbank they understand Open Banking as the combination of both technical components and business components with the aim to boost innovation and ultimately increase user value. On the journey to leverage the full potential of Open Banking, significant challenges will arise that cannot be solved by one single party alone, especially in our increasingly complex world. Thus, we believe that only through partnerships among equals with clients, partners of FinTech, the true value of Open Banking can be revealed.

• Open Banking – What it could mean
• Influence of Open Banking on Business and Corporate Clients
• Open Banking changes value creation

Why blockchain payment networks have not become the de facto standard for Payment Market Infrastructures? Is the problem related to adoption of the technology for this use case? Are we too early in the evolution life cycle for this to be feasible? We will explore some of the opportunities and challenges related to this.

• What are the current realities
• Which current barriers to entry exist
• Which industry forces are creating a case for change
• Which timelines do we see as realistic to achieve this