Speakers: Mr. Eric Ducoulumbier, Head of Unit DG Fisma – EC; Javier Arias, International President ELEC; Ms. Martina Weimert, CEO of EPI (European Payments Initiative); Ms. Fanny Solano, Head of Regulatory Affairs and Implementation – CaixaBank (Spain); Mr. Stefano Favale, Global Head of Global Transactional Banking- Banca Intesa (Italy); Dr. Amir Sadr-Azodi, Head of Digital Payments – Sparkasse Bank (Germany); Mr. Jean Allix,  Senior Advisor – BEUC (The European Consumers Association); M. Luis Herrero, President of the European Financial Centre of Barcelona; Ms. Montserrat Jimenez, Head of Division Payments Oversight and Supervision – Banco de España (Bank of Spain); M. Patrick Trezise, Director of the Digital & Payments Regulation, Regulation and Public Policy Division, in representation of the Vice President of the Spanish Committee of ELEC and President of Banc Sabadell, Josep Oliu; i M. Francesc Homs, President of the Spanish Committee of ELEC.