“THE METAMORPHOSIS OF A SECTOR – THE DIGITAL WORLD OF FINANCE”, 10 April, Sofia Event Center, Cherni Vrah Blvd 100

The event

21st Finance Tech Forum


April 10, 2019

Sofia Event Center

ICT Media & ISACA-Sofia Chapter

With the cooperation of: Association of Banks in Bulgaria, Association of Bulgarian InsurersBulgarian Association of Supplementary Pension Security Companies

“Digitalization” has become more than just a buzzword for drawing attention to products and services. Information technologies are changing every industry and finances are no exception. The digital revolution continues to change traditional financial institutions and the transformation is on all levels – from business models and strategies through the applicable regulatory framework to meeting the end client’s needs.
A lot of the Bulgarian financial institutions have been following the trends for years now and are taking all the necessary steps to adapt to the latest technologies in a timely manner. They have significantly changed their business strategies and are increasingly committed to developing and providing a wide range of innovative services and tools to meet the growing customer demands for personalization, experience, speed, and security.

The traditional providers of financial services are creating, acquiring or partnering with FinTech companies in order to achieve high end-user satisfaction. In the same time, blockchain technologies (and cryptocurrencies in particular) are increasingly causing discussions about their place in the context of the traditional financial institutions and the sector is already getting less suspicious of such innovative technologies.

The regulatory and institutional environment of the European Union regarding the financial field also plays a major role in the industry’s change, as the work of the lawmakers continues towards ensuring a stable and secure digital financial ecosystem in a state of open communication between providers of financial services. The implementation of the revised Payment Service Directive (PSD2) is in the limelight as well as the Regulatory Technical Standards that are expected to become applicable in September 2019.

For 21st consecutive year, the Financial Tech Forum organized by ICT Media and ISACA Sofia Chapter, will gather financial institutions and technology companies to look into the metamorphosis of the industry, to answer the questions that matter to the sector and to highlight the topics that will shape the evolution of the next-generation financial institutions.

Who will attend the conference:
This forum targets representatives of the banking and non-banking financial sector: banks, insurance companies, pension insurance companies, regulators, payment operators, financial brokers, microcredit financial companies, including online consulting firms, leasing houses, associations, the Government, FinTech companies, and others.
In 2018 the event was attended by senior executives (CEO, COO, CFO, board members), CIOs, heads of departments, project leaders, IT and Security experts, auditors, business analysts, consultants, experts in payment systems.

How was the event held in 2018


  • Nina Stoyanova

    Nina Stoyanova Deputy Governor Banking Department, Bulgarian National Bank

    Nina Stoyanova is Deputy Governor in charge of the Banking Department and the Fiscal Services Department and member of the Governing Council of the Bulgarian National Bank elected by the 43rd National Assembly on 29 July 2015 for a six-year term of office. Between 2007 – 2015 Ms. Stoyanova was Chief Legal, Director of the Legal Directorate of the Bulgarian National Bank (BNB), Member of the Legal Committee of the European System of Central Banks. Prior to this Nina Stoyanova had worked as Legal Advisor at the European Central Bank, Frankfurt am Main, Legal Services Directorate General under a secondment programme of the European System of Central Banks, and as Senior Legal Advisor, BNB Legal Directorate. Nina Stoyanova has a Master’s degree in law from Sofia University ‘St. Kliment Ohridski’.
  • Etienne Goosse

    Etienne Goosse Director General, European Payments Council

    Etienne Goosse has extensive professional experience across different sectors in the payments industry. He started his career with the Belgian central bank. He held executive positions at Eurocheque International, Europay International and MasterCard Europe. In his previous assignments, Mr Goosse’s responsibilities included franchise management, legal and regulatory affairs, stakeholder management as well as finance and administration. He also has an extensive track record in managing governance as well as European and public affairs.
  • Judit Baracs

    Judit Baracs Senior Account Director CEE, SWIFT

    Since 1998 Judit has been part of the EMEA account management team engaged in CEE to provide the latest information to SWIFT clients. Judit is specialised in payments market infrastructures projects and is currently responsible as country manager for 9 countries in CEE. She has been assisting the Bulgarian National Bank over the years and since mid-2017 she has become the country manager for Bulgaria. In this new role, she will be taking care of all SWIFT topics that Bulgarian banks might be interested in, between others compliance.
  • Marianna Janssen

    Marianna Janssen SWIFT GPI Expert, EMEA

    Since January 2015 Marianna has been part of SWIFT Markets & Initiatives EMEA team engaged on divers projects. Marianna joined SWIFT to reinforce the Business Intelligence team to develop solutions in the area of regulatory reporting for intraday liquidity. Today she is driving SWIFT global payments innovation offering in countries of Central and Eastern Europe combining her business knowledge and understanding new technologies in the payments area. Marianna has several years of experience in Transactional Banking and Cash Management. She worked as a corporate adviser for Cash Management solutions at BNP Paribas, contributing to optimisation of corporate treasuries for internationally active firms. In addition, she holds an Executive MBA from Antwerp University Management School (Belgium) and post-graduate in Big Data Analytics in Business from the university of Leuven (Belgium).
  • Yuriy Genov

    Yuriy Genov Executive Officer and Member of the Management Board at DSK Bank; Chairman of the Board of CIO Club

    Yuriy Genov is Executive Officer at DSK Bank. He is part of DSK Bank’s team since 1999 – first, as head of "Long-term planning and general bank projects" department, and since 2004 as Head of Directorate "Development and Implementation of IT Systems". Prior to joining DSK Bank he worked for Biochim commercial bank – first, as expert, and later as head of Payment systems department. Member of the CIO Club Bulgaria and Chairman of the Board of CIO Club. He was awarded the prestigious prize of the CIO Club Bulgaria "CIO of the Year" for 2009.
  • Krasimir Krastev

    Krasimir Krastev Chief Expert, Payment Supervision Directorate, Bulgarian National Bank

    Krasimir Krastev has worked at Bulgarian National Bank since 2007. He is involved in the the National Bank’s supervision on payment systems, payment service providers and other entities subject to payment supervision in order to establish the compliance of their activities with regulatory requirements and established international principles, standards and recommendations in the area of payments. He participates in working groups in the field of payment services and payment supervision at the European Central Bank, the European Commission, the European Banking Authority and the Council of the European Union.
  • Irina Kazandjieva

    Irina Kazandjieva Head of Division "Banking policy and analysis", Association of Banks in Bulgaria (ABB)

    Irina Kazandjieva is Head of Division "Banking policy and analyses" at The Association of Banks in Bulgaria (ABB). Before that she was Head of Division "International exchange and programs". She has a PhD in economics. Mrs. Kazandjieva is the coordinator of the Payment Systems Committee at the Executive Board of the ABB.
  • Svetla Nestorova

    Svetla Nestorova Chairperson of the Managing Board of the Association of Bulgarian Insurers (ABI), Chief Executive Officer of Bulstrad Life Vienna Insurance Group

  • Ramona Chervenkova, CGEIT, CRISC

    Ramona Chervenkova, CGEIT, CRISC ISACA-Sofia Chapter

    Ms. Chervenkova specializes in the restructuring of business processes, organizational restructuring, change management, IT risk and control, as well as in defining IT strategies and improving the management and operations of IT. She also has more than 30 years of experience in IT development and implementation of IT systems and in IT Audit. Ms. Chervenkova has managed complex projects in organizational change, operational improvement, development of IT strategies and projects for the implementation of IT systems for clients. She has extensive experience in project management, organizational planning, planning and management of IT activities, development and implementation of IT systems and the management and control of IT risks. She has completed numerous successful ERP system implementation projects in Bulgaria, Germany, UK, Belgium, The Netherlands, and on the Balkans by having significant experience of complex IT solutions in a number of industries including Public and Banking sector, Manufacturing and Utilities.
  • Kiril Kirilov

    Kiril Kirilov CIO and Vice-president, Allianz Bulgaria Holding

  • Ilian Stoianov

    Ilian Stoianov Director Risk Assurance Services, PwC

  • Kristin Krumov

    Kristin Krumov Director "ICT Applications", United Bulgarian Bank

  • George Galtchin

    George Galtchin Digital Transformation Manager, TBI Bank

    George Galtchin is TBI Bank's Digital Transformation Manager. Possessing over 25 years of experience in the field, he brings IT vision and leadership in the development, management and implementation of the tech strategy for the Bank’s digital future. George Galtchin is working with cutting edge IT solutions to accelerate the achievement of TBI Bank’s goals and also taking the lead on building a dedicated team of top talents. He manages a variety of projects related to finding technological solutions and best practices to be employed in the bank’s structure. A graduated Master of Finance and Financial Services Management, George boasts a flair for building flying machinery – from helicopters and airplanes to drones.
  • Vladislav Venev

    Vladislav Venev Chief Information Security Officer and Data Protection Officer, Raiffeisenbank Bulgaria

    Vladislav Venev is Head of Information security and Data protection of Raiffeisenbank Bulgaria with broad experience in cyber security, information technologies and telecommunication. He has a solid background in design and implementation of several large scale information security, telecommunications, videoconference, telemedicine projects. Mr. Venev is an experienced presenter and coach in the area of information security, data protection and IT.
  • Dr Colin Smith

    Dr Colin Smith Manager International Services, Omikron

    Colin Smith has been with Omikron for twenty years. During that time he set up and built Omikron’s international business department, which has overseen the implementation of Omikron’s e-banking products in over 20 countries and in 17 languages. In addition, Colin is responsible for developing and managing key banking relationships in the international business area. Before joining Omikron, Colin set up and managed the Electronic Banking department for an international bank in Germany for 10 years, and was later responsible for strategic business development in cash management for National Westminster Bank in London.
  • Lubos Klokner

    Lubos Klokner Sr. Systems Engineer – F5 Networks

    Lubos Klokner works as Senior Systems Engineer at F5 Networks covering central-east Europe. Previously He has also worked as Security Consultant managing a team of Network Security engineers at major system integrator in Slovakia. Over the years he has moved his focus from open-source technology to enterprise security systems including penetration testing and cyber-security consultancy. Currently he is applying acquired knowledge in availability and security of applications and services in enterprises, ISP/MSP, private data centers as well as in public cloud environments.
  • Attila Paksi

    Attila Paksi Head of Business Development, Financial Sector CEE, Gemalto

    20+ years’ experience in IT and Telecom, 10+ years’ experience in sales and business development in the Banking IT solution field. With Gemalto since 2016, advocating the importance of IT and Data Security to Financial Customers in the CEE region. Focusing especially on Encryption, Key Management and Authentication/Access Management. Proud Dad of 2, and a Rotarian trying to help those in need.
  • Svetlozar Karaneshev

    Svetlozar Karaneshev Head of Internal Audit at the Bulgarian American Credit Bank and Member of ISACA Sofia Chapter

    Svetozar Karaneshev is engaged in assessing the risks and effectiveness of corporate and management systems, critical business and operational processes and functions. He has over 25 years of experience in risk and finance with practical experience in defining organizational goals and implementing changes; risk management and control systems design and implementation; design of organizational structures and processes; business development; reorganization, restructuring and reengineering. He is Co-Founder of the Risk Culture Lab. The Risk Culture Lab is a non-commercial initiative, aimed to create opportunities through a series of events and projects, connecting experts to build knowledge and sharing local and global best practices and experiences on the role of Culture and Risk Culture.
  • Nikola Nyagolov

    Nikola Nyagolov Principal Consultant, ITNL Bulgaria

  • Alexander Zahariev

    Alexander Zahariev Regional Account Executive, SE Europe, Forrester

  • Hristian Atanasov

    Hristian Atanasov Head of Department "Software Development", CSoft

    Hristian Atanasov is head of "Software Development" at CSoft with more than 12 years of experience in the area. With deep passion towards different aspects of software industry, his everyday responsibility is to manage and inspire the strategic technological framework of the company and its products. In recent years Hristian is directly involved with the quality and security of implementation and integration of many key projects at the organization. He is strongly interested in the new opportunities ahead of mobile financial services and the position of Bulgaria an CSoft. Fan of timeless industrial designs, well-made products and simple, clever solutions.
  • Tsvetomir Doskov

    Tsvetomir Doskov CEO, SirmaBC

    Tsvetomir Doskov has over 20 years of professional experience in financial services, banks and IT companies. He is currently the CEO of Sirma Business Consulting (SirmaBC) and is a member of the Board of Directors of Sirma Group Holding. He has made a significant contribution to making SirmaBC a well-recognized provider of software solutions for the banking industry, as well as consultancy and expertise provider on the Bulgarian market. Over the past few years, he has focused on designing, developing and deploying digital solutions for business users and end-users. He holds two Master Degrees as well as numerous professional licenses and certificates in the field of project management and business analysis.
  • Kaloyan Georgiev

    Kaloyan Georgiev Solution Architect IoT, Automation and Energy Management EcoStruxure Business Global Operations, APC by Schneider Electric

    Kaloyan Georgiev has a Bachelor degree in "Automation, Informational and Control Systems and Robotics" and master degree in "Control Systems" from Technical University of Sofia. He has passed several trainings in the field of Industrial Networks and Communications, SCADA and BMS software, automation and energy management system architectures. He is main lector on the topics "Programming and implementation of CodeSys based PLC", "Programming and implementation of Industrial HMI", "Systems for energy monitoring" and "Systems for Data Center monitoring" both internally for Schneider Electric and externally for customers. The professional development of Kaloyan Georgiev includes IT, automation, robotics, programming, machine learning and work on different projects in the field of 3D scanning, home automation and Cloud based services. In the last years Kaloyan Georgiev is focused on the innovative concept Internet Of Things. His main feld of work is the application of IoT in the Industrial automation and collaborative machines.
  • Goran Angelov

    Goran Angelov Founder and CEO of IBS Bulgaria (IBS)

    Goran Angelov is a founder and CEO of IBS Bulgaria (IBS) one of the leading IT companies in the country with a focus on finance industry, analytics solutions and systems integration. Nowadays IBS is involved in key project for leading banks related to digital transformation, PSD2 regulation, infrastructure modernisation and information assets management. Goran Angelov has an engineer degree in process automation. He has more than 20 years of experience in the field of information and communication technologies and has participated in a number of successfully implemented large-scale IT projects for the business and the public sector.
  • Martin Zhelev

    Martin Zhelev Product Manager, Huawei Technologies Bulgaria

    Martin Zhelev is a Product Manager at Huawei Technology Bulgaria with more than 15 years of experience in IT and Telecommunications. His responsibilities at the Bulgarian office include technical consultations in the process of generating solutions that meet the requirements of Huawei customers. Prior to becoming part of the Huawei team, Martin worked at Bynet Datacommunications Bulgaria and Newtech BT and has participated in a number of projects in Bulgaria and Central and Eastern Europe. He graduated from the Technical University in Sofia.


Preliminary Topics:


● The new horizons opened by technological innovations in the financial sector
● The current state of the Bulgarian financial institutions compared to the global trends
● Digital transformation in financial institutions - approaches and solutions
● Impact of the latest digital innovations in the business of financial institutions
● Achieving competitive advantage through following technological trends


● In the era of PSD2 and the Payment Services and Payment Systems Act (PSPSA). National technical
standard on APIs for access to bank accounts BISTRA
● Possible threats and risk management when providing customer information to third parties through
external Application Programming Interfaces (APIs)
● Technology-based solutions and tools helping regulators
● Independent payment service providers. Banks in the role of PSP
● The latest from SEPA. Development of SCT Inst (SEPA Instant payments)
● SWIFT – what’s new. A year into the SWIFT gpi standard. Implementation examples


● Artificial Intelligence and Machine Learning - transforming the big data analytics. Predictive analytics
capabilities in credit risk assessment
● The risk of business security when implementing the BYOD concept - methods and internal policies
and mechanisms
● Migration to the cloud - impact on internal processes
● Automated and optimized IT business process management systems in the finance sector
● Real-time data processing and streaming solutions


● Real-time payments monitoring and fraud detection (SEPA Instant) - possible prevention
● General Data Protection Regulation (GDPR) - practical challenges after its introduction
● Security measures in financial institutions for data storage and management
● Major incident management
● Solutions for predicting technological problems and their timely prevention
● Latest cyber threats to the financial sector, and effective mitigation strategies


● Technologies helping understand client behavior and preferences. Biometric solutions that improve
the customer experience
● Solutions that improve serving people with special needs
● Chatbots in customer services
● Technological tools providing monitoring, improving and tracking customer experience and
● The client of the future. Transformation of the relationship with customers through the
next-generation digital bank. Digital marketing innovations
● New trends in payment technologies. Focus on digital wallets


● Opportunities that Fintech companies provide to traditional financial institutions. Examples of
successful partnerships as development catalysts for the banking sector
● Open Banking - risk or opportunity for traditional financial institutions
● Necessary tools, standards, and regulations for the FinTech industry
● The role of cybersecurity in the era of FinTech and open banking
● P2P lending FinTech platforms - the alternative fundraising mechanism
● Recent developments of FinTech payment solutions


IBS Sirma BC Huawei APC by Schneider Electric CSoft Clico F5 gemalto Global Consulting Omikron Intelligent systems Veripark Sircrow Pixel Media


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