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Upon payment confirmation you will receive your tickets to the provided e-mail. Complete About Speakers Startups Schedule Tickets Location Sponsors Contact Get Tickets 18 & 19 November 2019 Zagreb, Croatia Welcome Shift Money Shift Money is a Financial Technology Conference, which purpose is to explore new ways to disrupt the world of Payments, Insurance, Lending & Blockchain. Get Tickets or Watch Live Stream Download mobile app Andorid app iOS app Who are we? What is Shift Money It's a single stage, two-day event that was attended last year by more than 1000 FinTech professionals, 35 speakers, 10 startups and 60 journalists in order to find new partners, create connections and find new opportunities. Main focus of the conference is to bring the biggest industry leaders on stage to talk about the future of money. Alongside we will have an expo full of amazing companies, enabling ideas, connections and deals in payments and financial services. Watch our Video Review Which companies support us Who is Attending? This year's Shift Money is gathering representatives from the whole financial and technology sector, no matter their size or stage, including some of the amazing companies below. Our amazing speakers Who is Speaking? Rob Frohwein CEO and Founder at Kabbage Read more In 2008, Rob Frohwein recognized that companies like eBay offered automated access to small business transaction data via APIs. Rob realized small businesses can simply share this data to allow underwriters to make better, faster credit decisions and provide a great user experience. He co-founded Kabbage in Atlanta, Georgia to leverage this power of real-time data automation through technology and has since expanded the business to serve all small businesses throughout the U.S. Rob holds a law degree from Villanova University, where he graduated Magna Cum Laude. He is the listed inventor on ten United States Patents, a co-author of three books on intellectual property and has been recognized four times as one of the top 300 intellectual property strategists globally by Intellectual Asset Magazine. Teck Chia Head at Binance X Read more Teck Chia leads Binance X, an initiative to foster innovation on the Binance platform and the general ecosystem at large. Before that, he has played the role of an investor, entrepreneur, product manager and software engineer at companies like Facebook and Oracle. He discovered Bitcoin in 2012 and founded HashTrust.com, a smart contracts platform on Bitcoin. Teck holds a BSc. and MEng. in Computer Science from Cornell University. Alastair Thompson Global Head of Business Development at TransferWise Read more Prior to starting TransferWise, Alastair spent 10 years at international payment solutions provider Earthport Plc. Alastair worked across multiple functions including working from entry level to managing the entire back office, through product design and analysis, client solutions and onboarding. Lu Zurawski Practice Lead, Retail Banking at ACI Worldwide Read more Lu lives in London with his wife and two teenagers – a perpetual payments, big data and social media challenge. After a background in consulting and IT business services, Lu helps ACI Worldwide to develop strategic payments propositions, particularly in the emerging fields of digital Open Banking, new access models and real time alternative payment methods. Lu has over 25 years' experience across a wide variety of payments markets. Based on an interest in Behavioural Economics, Lu often creates thought-provoking (and sometimes unorthodox) viewpoints on public policy, consumer trends and regulatory drivers in the Financial Services industry, and is a regular speaker at industry events including Money2020 and SIBOS. Ian Johnson Head of European Growth at Marqeta Read more Ian Johnson is the Head of European Growth at Marqeta, where he leads a rapidly growing team based out of London, bringing the company's Digital Banking Solution and modern card issuing platform to the next generation of payments innovators. Prior to joining Marqeta, Ian was European Commercial Director at WEX. Murat Abur Co-Founder and CTO at Suade Read more Murat is the co-founder and Chief Technology Officer of Suade, a software company that enables financial institutions to understand and deliver their regulatory requirements. Suade changes the way financial institutions absorb and react to regulations through a platform of automated tools and services driven by data. Prior to founding Suade, Murat worked in a variety of roles in banking at BNP Paribas and Nomura. Murat holds degrees in Physics and Math from the University of Chicago. Conny Dorrestijn Founding partner at Bankifi Read more BankiFi's Founding partner Conny Dorrestijn has worked in the international financial technology industry in a wide range of marketing and business development roles, most recently at Clear2Pay / FIS. She is an Advisory Board Member to Holland FinTech and AdviceRobo, Non-Executive Board Member at Arches Capital and Blanco Services and an Associate of the Digital Insurance Agenda (DIA) and the Blockchain Innovation Conference (BIC2019) and a Global Innovation Awards Judge at BAI (US) and Jury Chair of the Dutch NRC FinTech Live Awards. Camila Russo Financial Journalist and Founder at The Defiant Read more Camila Russo is writing a book on the history of Ethereum to be published by Harper Collins next year, and produces the daily decentralized finance newsletter The Defiant. In the previous eight years, she covered cryptocurrencies, European stocks and emerging markets for Bloomberg News based in New York, Madrid and Buenos Aires. Stan Schroeder Senior Editor at Mashable Read more Stan is a journalist and entrepreneur. He's been writing for Mashable for more than twelve years and is one of the company's first employees. He's covered blockchain tech for more than six years and interviewed some of the most prominent people in the space. In Croatia, he's run a short-lived but popular blockchain newsletter. Nikola Pavesic Head of Partnerships at Nikkei Read more Born and raised in Croatia, studied in Italy, Switzerland and the UK, matured in Tanzania and Japan. Nikola has worked as a lawyer and in the public sector for the UN which is how he originally arrived to Japan in 2011. He subsequently switched to the private sector working for startups and now for Nikkei. Graduate of University of Bologna and Newcastle University has a special focus on public-private partnerships in tech, regulatory solutions and policy implementation. Nik, as he likes to be called by people who can't get the accent right on Nìkola, has worked in tech for a number of years and is leading the partnership efforts for Nikkei in terms of startups, VCs and corporates. Cyril Mathew Business Development Leader at Coinbase Read more Cyril leads international business development efforts and special projects for Coinbase, based in their London office. Some of the initiatives he oversees include the Coinbase Card and USDC. Cyril has a strong track record of leading teams across strategic partnerships, product, and program management. Prior to joining Coinbase, Cyril led Business Development and Biz Ops for Uber in EMEA, based in Amsterdam. Prior to that, he helped launch the Ads platform and corresponding partnerships program at Facebook, beginning in HQ, and then from their London office. Meg Nakamura CEO and Co-Founder at Apto Payments Read more Meg Nakamura is the Co-Founder and CEO of Shift Financial, Inc. She serves as an advisor to Hard Yaka. Ms. Nakamura previously worked at Promontory and founded 3taps company, after studying at Princeton. Jon Bradford Founding Partner of Dynamo Ventures Read more Jon is a Partner at Dynamo Ventures, a seed fund focused at Supply Chain and Mobility. Previously, Jon was a Founding Partner at Motive Partners, the MD of Techstars London and co-founder of F6S and tech.eu. Jon is the Director of the Bradfield Centre. Mehmed Atici Principal at Earlybird Venture Capital Read more Mehmet is a founding team member at Earlybird Digital East Fund, he is currently serving on five portfolio company boards. Earlybird Digital East Fund (DEF) invests in high-growth, early-stage technology companies hailing from Eastern Europe and Turkey. DEF is one of the three autonomous, dedicated and specialised teams, focusing on different geographies and sectors, namely DEF, the Digital West Fund, and the Health Tech fund. With over EUR 1 billion under management, seven IPOs and 24 trade sales, Earlybird is one of the most successful venture capital groups in Europe. Roland Yau Managing Partner at CoCoon Ignite Ventures Read more Roland is the Managing Partner of CoCoon Ignite Ventures, L.P., a venture capital fund focusing on investments in early stage technologies. At CoCoon Ignite Ventures, Roland has led investments in companies including Cafe X, Soundbrenner and GoBee Bike. In addition to investing, Roland is also an active advisor to his portfolio companies, large corporations, founders and other venture capital funds. Roland graduated from New York University in 2004 with a bachelors degree in biology and graduated from the University of London in 2007 with a bachelors degree in law. Prior to establishing CoCoon Ignite Ventures, Roland was with Freshfields Bruckhaus Deringer, an international law firm, from 2008 to 2015. At Freshfields, Roland worked on corporate financing and structuring transactions relating to fundraising, deal structuring and mergers and acquisitions. Mike Sigal FinTech Partner at 500 Startups Read more Mike is an early-stage investor, entrepreneur, and strategic advisor specializing in innovation, business development, storytelling and transforming corporate culture. Over the last 8 years he has been specifically focused on innovation in financial services industry. Founded 7 startups, with 3 exits including an IPO, and advised dozens of corporations and institutions on implementing startup-inspired innovation practices and culture. Now, a Partner at 500 FinTech, which is 500 Startups' dedicated fund for investing globally in early-stage startups transforming the financial services industry (yes, including insurance). Luka Sucic Director of Investments at æternity ventures Read more Luka is an entrepreneur that likes to build new, yet unexplored things. After a long stretch of startups he decided to turn hats and swapped it for a corporate career working for a major telecom in various roles from product and innovation to investment manager. Ended up in the blockchain space in 2012 out of pure curiosity and luck. He is helping æternity incubate startups and build the next generation of blockchain. Tom F. Lesche Principal at Speedinvest Read more When Tom was co-founding a banking startup in Berlin, he realised first-hand how crucial it is to receive external financial and operational support early on. This experience keeps motivating him every day in his search for great founders and great ideas out there waiting for their success. As an investor, he is passionate about growth-stage companies and tech-enabled business models within the financial services industry, spanning from banking and insurance to asset management and specialty finance. Although always focused on the founders, Tom doesn’t mind the number crunching part where he can leverage his experience from many years in investment banking before joining Speedinvest Fintech. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology clients on a variety of capital markets and M&A transactions. Vedran Blagus Investment Manager at South Central Ventures Read more Vedran is Investment Manager at South Central Ventures (SCV), a leading SEE venture capital fund. At SCV, Vedran works on deal sourcing, screening, and advising portfolio companies. He also sits on the Board of Directors of two SCV portfolio companies. He refined his knowledge through experience working for Big 4 accounting companies as a management consultant on a multitude of projects for the Big 4 within the region. His focus and specialties within management consulting are market strategy & expansion, and process optimization. Elena Lavezzi Head of Southern Europe at Revolut Read more More than 8 years experience in growth, expansion, operations, go-to-market and business development in international tech companies (sharing economy, mobility and FinTech). Passionate about business models that are going to reinvent entire industries. Based in Milan after many experiences abroad (London, Paris, NYC and Mumbai). Antonio Separovic CEO and Co-Founder at Oradian Read more Antonio is a financial technology expert with more than 20 years of experience in technology and online businesses, including ten years in the microfinance sector. He specialises in using disruptive technology to drive financial inclusion in Asia, Latin America and Africa. Antonio also served as a senior adviser to InfoSec Global and Ruder Innovations, and advised multiple IT organisations. In 2012, Antonio co-founded Oradian, a FinTech company that provides a cloud-based core banking software designed especially for the microfinance industry. Using a SaaS model (Software-as-a-Service), Oradian makes cloud technology accessible to any type of microfinance institutions so they can grow and increase financial inclusion in their regions. Oradian is currently partnering with over 80 financial institutions in the Philippines and in Africa reaching over 4 million end-clients. As the CEO, Antonio takes accountability for creating a community of forward-thinking financial institutions around Oradian that will help to serve the 1.7 billion unbanked people at the bottom of the socioeconomic pyramid. Kreso Zmak Director Products at Infobip Read more Kreso Zmak is Director Products at Infobip, one of the world's largest communications platforms and mobile operator solution providers. Kreso got his start as a software developer at Siemens, and has worked in telecoms for most of his career, moving from software developer to Director of IT and BI at Croatia's Optima Telekom, before moving to Infobip in 2015. At Infobip, Kreso has progressed through several roles in product development to become Director Products. In this role, he is in charge of coordinating internal resources in product development and aligning them with client requirements and global trends in mobile and digital communications. Kreso holds a B.Sc. in electrical engineering and computing from Croatia's prestigious Zagreb-based FER. Laszlo Csercsa VP Sales at SmartDisplayer Read more Laszlo based in Slovakia, currently manages the display card sales for SmartDisplayer in the EMEA region. He has got more than 25-years sales experience, holding different sales positions, by working for US-based IT hardware companies and selling into the CEE-region, mainly. Before joining SmartDisplayer, Laszlo has collected knowledge on ID-documents as well as display card technology skills for identity and access-control markets.In his position, he is responsible to build up and extend SmartDisplayer global partner network, following SmartDisplayer's indirect sales model. Alexey Malanov Antivirus Expert at Kaspersky Lab Read more Alexey joined Kaspersky Lab in 2004 as a virus analyst. In 2008, he was appointed Head of Anti-Malware Team. His responsibilities included overseeing the procedure for processing the flow of incoming malware and organizing the virus analysts' work into round-the-clock shifts. However, in 2012, Alexey Malanov felt it was time to update — to change the profile of his activities and boost his expert skills. So he delved into the product technology. Now he analyses coming trends and potential risks and also shares Lab achievements and goals to colleagues and the general public: clients, journalists, partners and KL product users. Alexey holds a degree in Computational Mathematics and Cybernetics from the Moscow State University. Dejan Davidovic COO and Co-Founder at Kriptomat Read more "Co-founder and COO at Kriptomat, an established government-regulated European fin-tech start-up company bringing cryptocurrencies to a high-end market. Dejan is showing his great management skills as family guy and father to three, an entrepreneur and a manager with a great track record and more than twenty years of experience in management, sales, and marketing. He found his latest passion in fin-tech start-up Kriptomat that went from an experiment to a fast-growing company that reached a break-even almost a year after it went public! With Kriptomat we believe that no matter who you are, where you're from, or why you're here, you deserve an equal chance to find freedom, fairness, and financial fulfillment. Our economy shapes our society and our currency shapes our destiny, that's why we need insight into how they function and we need a say in how they are managed. That's why we need crypto and that is why we designed a mobile and web platform available in more than 25 different languages, that thousands of users use to enter the worlds of cryptocurrencies and the new economy." Jelena Svraka Account Manager at Microblink Read more Based in Zagreb working as an Account Manager at Microblink, an R&D company developing proprietary computer vision technology optimized for real-time processing on mobile devices. Focused on knowing customer’s needs and building long-term quality relationships as one of the keys to a successful business. Dedicated and 5 years experienced sales specialist with almost 10 years of working experience. James Dening VP & Digital Worker Evangelist at Automation Anywhere Read more Automation Anywhere VP and Digital Worker Evangelist. As the first hire for AA in Europe, James has been instrumental in bringing the Automation Anywhere's vision of making work ‘human' to life in Europe by inspiring passion about business processes automation and building a regional team of over 200. Before joining AA, James was a member of the leadership team at XLN Telecom and a board member leading all commercial activities at Red Gate. Prior to that, James held a variety of sales and leadership roles including working as Head of Sales for Amazon UK, leading their B2B sales activities, Google, and several other companies. Mel Gelderman CEO at Monolith Read more Mel Gelderman is a Dutch entrepreneur and investor. He is the Co-founder of Decentralised Finance (DeFi) company Monolith (formerly TokenCard), having served as its CEO since 2016. He was named one of Business Insider’s ‘Fintech 35 under 35’, has been featured in Forbes, created one of the first use cases for Ethereum in the geothermal power sector, and has spearheaded one of the quickest ICOs in history raising over $17m in a matter of minutes. Before Monolith, he founded an Algae biofuel company serving the Asia-Pac market. Gelderman has a passion for decentralised finance and blockchain. He once travelled the world exclusively living on Bitcoin, untethered from traditional finance. During his trip he sat down with Vitalik Buterin in Taiwan, laying the framework for his eventual collaboration with co-founder David Hoggard to launch Monolith. Antonela Mamuca COO at EPTI Read more Being COO at EPTI equals balancing between perfect control and inevitable entropy while constantly moving fast forward. "Any company may call itself a dynamic one. At EPTI, this is an understatment." Antonela's career path started as an electronic engineer at casino industry. This was followed with discovering and sharpening Business analyst, Consultancy and Management skills through a rich list of business areas supported by IT, such as Enterprise and government processes, DMS and RMS, Access control systems, Payment and authentication, Travel and transportation, Ecommerce, Process management, Gaming etc. Antonela is FER graduate at University of Zagreb. She enjoys the thrill of acquiring new skills, anything from learning new language to skiing, even if it's just baby slopes. Less than a year ago, she became a mom. Luka Tomaskovic Head of Multichannel at Zagrebacka Banka Read more Luka has more than 20 years of experience working in banking. Currently working as Head of Strategy and multichannel for Retail division. Last few years my focus is on mobile banking development Svjetlana Petrovic Director of Online Banking Department at Hrvatska Postanska Banka Read more Svjetlana Petrovic has more than 16 years of experience working in the banking sector. Today she is digital banking director at Hrvatska poštanska banka, the largest Croatian-owned bank, where she participates in defining and implementing the digital banking strategy, developing the bank's digital channels and designing new digital products. Daniel Lenardic Partner at KPMG Read more Daniel is the Partner responsible for management and IT consulting services for KPMG in Croatia. Daniel has worked on numerous management consulting and digital transformation engagements for clients from the financial service industry, as well as other consumer focused industries. Dejan Donev Head of Digital Transformation Team at KeksPay Read more Dejan has been in the banking sector for 15 years, mostly focused on the area of Risk management. He initially started as a model developer, building credit scoring ML models, later as Head of the Risk management division responsible for loan underwriting, portfolio management, model development and validation, loan pre-approval systems and the like. Currently he Head of Digital Transformation Team at KeksPay a new FinTech product with over 60.000 users. Nino Surjan Board Member at Koios Consulting Read more Nino is a business intelligence consultant with over ten years of experience working in financial sector for several large banks in the region. As a data architect, business and data analyst and team leader, he worked on various projects in fields of risk management, regulatory reporting, compliance and customer relationship management. He is currently serving as board member at Koios Consulting. Josip Maricevic CTO and Founder at Tolar.io Read more Researching blockchain and related consensus algorithms, atomic cross-chain swaps and of- chain settlement protocols for the past 2 years. Also worked on development of a few signifcant blockchain products. Interested in general algorithm research and development. Worked for Shazam on application that implements Shazam song recognition technology to identify songs in your iPod library and play them with synchronized lyrics and visualizations. Also an owner of software development agency Moon Code which is offering services of developing custom Blockchain based projects, alternative cryptocurrencies and Ethereum smart contracts. Lennart Koopmans CEO at Magnius Read more Lennart Koopmans is an entrepreneur in the online industry with extensive experience in internet marketing, e-commerce and payments and founder of Magnius. He looks at payments from an omni-channel perspective since his fashion company with a high traffic webshop also had one of the biggest stores of the region. As a company with this early combination of clicks and bricks and experience in payments in several channels, he is extremely interested in omni-channel payments, customer experience, reconciliation, etc. That's why he started Magnius in 2015. The goal of the Magnius platform is to give customers the best payment experience possible and optimize conversion rates for merchants. The platform is sold mainly to banks, PSPs and acquirers to offer the services directly to their merchants. Kresimir Hlede COO at Greyp Bikes Read more Krešimir is a Managing Director with a degree in mechanical engineering and an MBA from IEDC. He has built his career in the top management of manufacturing organizations in various industries over the last 15 years, out of which 10 years he had full P&L accountability. He developed expertise in strategy, finance and process improvements in the context of manufacturing and repeatability, as well as the expansion of international sales channels in B2B and B2C. He joined Greyp in the early days and has been a driver in building a small department into a medium-size company with all necessary corporate functions. Kresimir has experience in acquisitions (Piramida) and fundraising (Greyp). Today, he is responsible for the overall company growth and performance, but his main focus is on strategy, R&D, production, marketing, and sales. Gabriel Yang Head of Asia at Blockshow Read more Gabriel Yang is the former Chief Operations Officer of Beyond Blocks, a leading platform connecting global blockchain industry leaders and communities, focusing on the latest trends and issues in Asia. Gabriel hails from a strong background in events and media, with over a decade of experience under his belt in building and growing impactful tech industry events. He boasts a deep understanding of the tech innovation and startup scene around Asia, having been a key organiser for many notable events in the region. When not connecting the dots, Gabriel spends his time sampling brews as a self-declared coffee connoisseur. Gabriel has recently joined Blockshow as their Head of Asia as they focus on this rapidly growing region. Bilal Khan Conference Host at Shift Read more Born and raised in NW London of mixed-ethnic background, following an MA in Theology from the University of Cambridge Bilal moved into a career in Youth Engagement, public speaking and facilitation and has delivered hundreds of speeches and workshops around social justice, enterprise and diversity and inclusion as a result. Currently working as a freelance facilitator, infrequent radio Breakfast Show Host and host of Over The Bridge Podcast, Bilal spends much of his time engaging audiences in critical thinking to understand the root causes of oppression and has subsequently written articles for the BBC . As a host, Bilal has had the privilege to work in multiple countries around the world with clients in both charitable and corporate sector industries and has spoken in venues such as the SSE Arena Wembley. Ivan Burazin CEO at Shift Read more Ivan is the founder of the Shift Conference. Alongside this he co-founded Codeanywhere, the first cross platform Cloud IDE, which now has over a million users worldwide. LIST OF ALL PARTICIPANTS OF SHIFT CHALLENGE Shift Money Challenge We’re bringing some of the most promising FinTech startups and having them fight for the spotlight before our extraordinary roster judges made up of investors and renowned members of the press. Pynk pynk.io Pynk uses crowd wisdom and AI to make better investment decisions for the $4.5tn+ Millennial and Gen X retail investor market. The odds are stacked against solo investors. 80% of the investment market is controlled by algorithms and 33% of adults are financially illiterate, leading to significant amounts of money being invested poorly or not at all. Read more Goscore goscore.me Goscore gives users a free access to their credit report any time and a better scoring right in the pocket. They'll also get an access to a better loan offers curated by our matchmaking algorithms, will know why their application has been rejected or how to get a lower interest rate for a next loan Read more AMPnet ampnet.io AMPnet is a white-label plug-and-play financial platform for running energy communities - citizen led initiatives for funding renewable energy and trading electricity. Read more Identyum identyum.com IDENTYUM is a B2B2C SaaS platform for reliable, legally valid and real time digital identity data. By removing cumbersome and unnecessary steps, IDENTYUM significantly removes friction in onboarding and digital document signing in automated and completely digital process, thereby creating a fluid and friction-less experience for "Millenials" and "Gen Z". Read more Worig worig.com We are building trust between landlords and tenants by providing secure downpayment options and verifiable credit and tenant score. Read more Electrocoin electrocoin.hr Electrocoin d.o.o. was founded in 2014 with the aim of facilitating simple but professional cryptocurrency trading in Croatia through its service bitcoin-mjenjacnica.hr. Today, bitcoin-mjenjacnica.hr operates throughout the EU, while Electrocoin's service paycek.io allows merchants in the EU to easily accept crypto payments. Read more Reputator reputator.eu Reputator is a credit rating solution that provides 100% digital customer experience. Reputator is unique and comprehensive white-label solution for digital boarding and credit rating calculation based on client master data, credit history and spending habits calculated by expert system and machine learning model. Do it all from the comfort of your home. Read more Arkane arkane.network Blockchain is like cloud technology 10 years ago. Industry leaders understand the benefits but do not have the knowledge to implement blockchain in their products and services. That is where we come in. As a technology provider, middleware solution we are uniquely positioned to help enterprises build products with blockchain integration so that they can benefit from the transparency, trust and immutability that the technology brings to their business. PayPal gives enterprises easy access to Payment Solutions, we give enterprises easy access to blockchain. Read more Valut valut.app Valut helps travelers avoid being ripped off by exchange offices and ATMs at "touristy" locations such as airports. They do this by making it possible to exchange money at any retail location such as an airport coffee shop, fast food or a kiosk. Thanks to their collaboration with a network of locations they don't have any fixed costs such as rent or staff so they can offer lower fees. Read more sync. sync.money sync. is a new challenger bank in the UK and Europe that acts as a user's all in one financial management app. By offering the ability to hold and spend in multiple currencies, in addition to leveraging Open Banking, sync offers personalised insights on how users can manage their money better than ever before. Read more Share using #SHIFTMONEY Schedule Monday 18/11/2019 Tuesday 19/11/2019 Monday 18/11/2019 Tuesday 19/11/2019 10:00 10:00 - 11:00 Registration Main Stage Pick up your badge, familiarise yourself with the schedule and the venue's layout and meet other attendees before things get hectic. 11:00 11:00 - 11:15 Opening Ceremony Ivan Burazin (Shift) A short talk from Shift's founder about the conference's history and goals, along with useful information on what awaits us throughout these two days. 11:15 11:15 - 11:45 How to cultivate your Fintech Superpower Rob Frohwein Fintech is changing quickly. Over the last 10 years, many companies have chipped away and a variety of the profit centers of large banks. Now these niche Fintech companies are starting to assemble a variety of solutions under their brands, spelling potential doom for traditional financial players. However, which of these companies will succeed in building massive and global businesses? Companies that understand their particular Super Power and leverage these powers to move into other products and services. Rob Frohwein will share what he thinks domination requires, the companies who have the best opportunity and what financial services may look like in 10 years. 11:45 11:45 - 12:15 Fireside Chat with Binance - Towards crypto adoption Camila Russo (The Defiant) - Moderator, Teck Chia (Binance X) When mentioning Binance, first thing that comes to one's mind is a world's leading cryptocurrency exchange with over $2 billion daily trading volumes. In fact, the Binnance has evolved from a crypto trading platform to a blockchain ecosystem comprised of Binance Chain, Binance Labs, Binance Research, Binance Academy, Trust Wallet and Binance X. Where is this rocket growth leading Binance to? What does the future hold for Binance and the entire market? We’ll talk with Head of Binance X Teck Chia, about the company’s ride so far, and where it goes next in this must-see interview. 12:15 12:15 - 12:35 Monetizing Open Banking with the only lasting capital we have... Purpose Conny Dorrestijn (Bankifi) Open banking is much more than a regulatory requirement, it is all about societal change and it affects all areas of banking from retail to asset management, trading and business banking. With data at the heart, unbelievably accessible and robust technology as an enabler, and a regulatory framework that is ahead in some areas and seriously laps in others we can all see the challenge ahead of us. This is no upgrade, or a tweak, this is crossing the Rubicon, venturing into the unknown in a complex world where all outcomes are possible and none are predictable by spreadsheet. What does it take to make the leap, or should you stay safe on the other side? In this keynote we will explore some of the essential and existential questions coming our way and Conny will encourage you to urge yourself into action. It is time for banks to BE the platform, it is time to trust the cloud, it is time to bite back and show the new competitors your teeth, time to embrace your customers and teams and time to rethink partnerships. It is time to monetise this expensive open banking infrastructure.And as we kick off two historic Shift Money days, let's also get some inspiration from historical figures that have enabled Conny to think slow in a fast-paced world and to reach far back in order to leap forward. Get ready to meet Rudyard, Elsje and Johanna. Their timeless lessons will leave you invigorated and inspired to find your purpose in business and life. 12:35 12:35 - 12:50 New solutions for mobile banking security and digital banking by SmartDisplayer Laszlo Csercsa (SmartDisplayer) Most banks changed their customer and transaction authentication to smartphone based applications. SmartDisplayer considers banking clients with higher security needs and still have a convenient solution, by a BLE-based display card for login and transaction data signing. A new generation of wallet display card is part of the digital banking soliton, offered by BINJI, a USA-based partner of SmartDisplayer. 12:50 12:50 - 13:00 The future of DLT and its applications in the financial sector Josip Maricevic (Tolar.io) HashNET is a scalable, fast, secure, and fair decentralized blockchain project, leveraging Distributed Ledger Technology (DLT) and consensus algorithm which keeps all positive characteristics of a blockchain technology while increasing throughput to more than 50,000 transactions per second. Trade finance is considered one of the most useful applications of blockchain technology in the banking sector. All the involved parties such as a complex transaction can be on-boarded on a blockchain network and the information can be shared by exporters, importers, and banks on one common distributed ledger. Are 4th generation DLT networks up to the task and what makes Tolar HashNET stand out? You can hear all about it in this presentation. 13:00 13:00 - 14:00 Lunch Break Everybody needs fuel, right? 14:00 14:00 - 14:45 Shift Challenge - Semi Finals 1 Mehmed Atici (Earlybird Venture Capital), Mike Sigal (500 Startups), Roland Yau (CoCoon Ignite Ventures), Camila Russo (The Defiant) Watch these semi-final challengers on stage; Pynk, Goscore, AMPnet, Identyum and Worig 14:45 14:45 - 15:15 Why your data quality problem is not your user's fault Murat Abur (Suade) The classic phrase, "garbage in, garbage out," means that good software needs good data. But what is good data? Good data is often a very abstract and theoretical discussion. It is also an excuse used by IT people to wash themselves of responsibility on the quality of the output. It seems reasonable to say if you give me garbage, how can you expect anything but garbage to come out? Data quality is a hot topic for every software project and while good data might be hard to define, bad data is much easier to identify. Once identified, preventing it should be the software architect's primary mission. In "Discovering FIRE" we will talk about how we developed an open source data model to prevent bad data, common characteristics of bad data and why bad data is largely due to a bad underlying data model. 15:15 15:15 - 15:30 Next-level UX powered by AI Jelena Svraka (Microblink) Seamless UX has never been more important than now. Over 500 clients worldwide including users of the fast-growing FinTech industry are using our entirely ML-powered products to onboard customers in seconds. Everybody is talking about AI and we are utilizing it to solve real-life problems. Check out how invisible technology transforms numerous apps people use every day and makes a very visible impact. 15:30 15:30 - 16:00 The Behavioral Economics of Payments; planning for the irrational Lu Zurawski (ACI Worldwide) The science of Behavioral Economics assesses how people often make irrational choices when choosing one product over another, and deciding between different payment methods. Financial services firms can use these insights to design products that better align to the feelings and emotions of consumers. Consumers may welcome personalised services that "nudge" them willingly towards desirable habits in both spending and saving. Government bodies could benefit from these insights to address mixed societal attitudes to payment systems, particularly when shifts towards cashlessness may have been overstated. Market participants of all sizes can use these insights within "customer centric" product design. This session exposes some of the common biases and heuristics within Behavioral Economics, explores how personalised banking services are evolving to cater for these behaviors, and proposes how payment services can be designed to handle the often irrational choices of users. 16:00 16:00 - 16:20 Coffee & Cocktail Break Some time to freshen up with classic cocktails, discuss your favorite speakers and meet people you haven’t had time to. 16:20 16:20 - 16:45 The beginning of the end for correspondent banking: have you tried transparency? Alastair Thompson (TransferWise) Banks work well on a local level, but once you send money across borders, banking becomes unnecessarily expensive, slow and sneaky. The correspondent banking system was designed nearly 50 years ago: a bank provides services on behalf of another, usually slowing down the process and taking their cut. TransferWise is building a global banking network that eliminates the need for correspondent banking and therefore kills off the middleman. By 2030, the company will be connected to almost every country in the world, offering money transfers at the real exchange rate. 16:45 16:45 - 17:30 Shift Challenge - Semi Finals 2 Luka Sucic (æternity Ventures), Vedran Blagus (South Central Ventures), Jon Bradford (Dynamo Ventures), Tom F. Lesche (Speedinvest) Watch these semi-final challengers on stage; Electrocoin, Reputator, Arkane, Valut and sync. 17:30 17:30 - 17:45 The New Economic Paradigm Mel Gelderman (Monolith) We’re at the cusp of the most exciting moment in Ethereum since its creation. A new trustless economic paradigm is emerging and it’s potential is limitless. 17:45 17:45 - 18:30 Market Scaling a FinTech Startup - Stories from around the world Gabriel Yang (Blockshow) - Moderator, Roland Yau (CoCoon Ignite Ventures), Kreso Zmak (Infobip), Antonio Separovic (Oradian) FinTech has been growing rapidly with global investments in 2018 alone hitting a record $111bn. But still, scaling is a significant challenge especially across countries, where regulatory environments tend to change, coupled with larger, well resourced, long-established incumbents in the way. In this discussion we bring experienced speakers who have experienced such challenges around world, to tell us how they over came this issues, how they differ in different places around the world and what issues still await. 21:00 21:00 – 02:00 #EverybodyDeservesParty Time Restaurant & Bar After party hosted by Kriptomat with a free welcome drink, an extraordinary DJ and a photo booth, there’s no reason not to come to the party and have a great time - we hope to see you there! After all, a little party never killed nobody (♫ so we gon’ dance until we drop). 10:00 10:00 - 11:00 Registration Pick up your badge, familiarise yourself with the schedule and the venue's layout and meet other attendees before things get hectic. 11:00 11:00 - 11:30 Bridging the gap: utility in cryptocurrencies Stan Schroeder (Mashable) - Moderator, Meg Nakamura (Apto Payments), Cyril Mathew (Coinbase) Investment tool or liquid asset? Cyril Mathew, Director of Business Development, Coinbase, and Meg Nakamura, co-founder, Apto Payments, explore the emerging utility phase of cryptocurrency and look at how new products and fiat backed currencies are driving the transition of cryptocurrencies from an investment product into an asset as liquid as the cash in your pocket. 11:30 11:30 - 12:00 Fireside chat - Decentralized finance: The cypherpunk dream is here Gabriel Yang (Blockshow) - Moderator, Camila Russo (The Defiant) A whole new financial system is being built from the ground up under our noses and very few are taking notice. In less than a year, half a billion dollars have been poured into decentralized finance and dozens of apps have sprung up, allowing anyone, anywhere to trade, issue, lend, borrow and earn interest. No banks are needed, no third parties, and protocols are open and free for everyone to use. All that's needed is an internet connection. This talk is an overview of the biggest projects and trends in the space and a look at its potential going forward. 12:00 12:00 - 12:30 Satoshi Bomb: Why Economic Feasibility Can Lead to the Bitcoin Collapse Alexey Malanov (Kaspersky Lab) Everyone knows about the "Attack 51%"" on Proof-of-Work blockchains. However, not everyone knows about the rules of regular adaptation of mining difficulty in the Bitcoin network. Based on these rules, we will consider the strategy of miners, which allows to increase profits, but at the same time reduces the overall network hashrate and resistance to "Attack 51%". We will show that the use of this strategy is beneficial to each miner individually, but it is disadvantageous to all as a whole. This is a classic "Tragedy of the commons" situation. We will consider the reasons why miners still do not apply the described strategy, and when they will start to do it. 12:30 12:30 - 13:00 Why Open API platforms provide the building blocks for innovation in payments Ian Johnson (Marqeta) The payments market is one of the fastest growing areas of finance. According to McKinsey, the commercial value of the global payments market is set to be worth as much as $3 trillion by 2022. Much of this growth has been accelerated by the adoption of Open APIs, but much like in the early days of open source the value of an Open API approach is not yet well-known. In this presentation, Ian Johnson, Head of European Growth, Marqeta will examine why newer entrants or challengers to the payments sector have rejected the legacy model of private and closed APIs, which give the API publisher full control over how applications are developed. Instead, Ian will make the case for payments platforms that are built by developers for developers, with Open APIs that hand full control of programmes and applications back to the client. The value of this ‘try before you buy' approach lies in providing clients with the ability to launch products incredibly quickly and the responsibility to adapt their technology to respond to market needs. Any company that wants to reach its full potential in payments market and quickly, should be embracing this cultural and technological shift with open arms. 13:00 13:00 - 14:00 Lunch Everybody needs fuel, right? 14:00 14:00 - 14:45 Shift Challenge - Finals Mike Sigal (500 Startups), Camila Russo (The Defiant), Roland Yau (CoCoon Ignite Ventures), Luka Sucic (æternity Ventures) The four finalists battle on stage one more time in the Shift Money Startup Challenge finals. 14:45 14:45 - 15:30 Struggles of going Cashless and what will happen if Society makes the Switch? Nikola Pavesic (Nikkei) - Moderator, Elena Lavezzi (Revolut), Daniel Lenardic (KPMG), Dejan Donev (KeksPay), Luka Tomaskovic (Zagrebacka Banka) Contactless payment systems and the spread of mobile technology is growing at a fast pace, along with the establishment of Open Banking, which is helping push the development of digital payment infrastructure, we are on track to a Cashless Society - or are we? We have brought some of the biggest names pushing digital payments, to talk about their experiences, struggles, hurdles and successes, to get users to go cashless and also, what this means to us as a Society if it continues. 15:30 15:30 - 16:00 Staying Competitive in a Digital World – moving to Intelligent Automation with RPA/AI James Dening (Automation Anywhere) Modern Enterprises are under more pressure than ever before, with increased demands and more competition, especially from native digital competitors, making digital transformation more vital than ever. Intelligent automation is your route to success with that transformation. With Automation Anywhere’s industry-leading RPA and Digital Workforce platform companies can dramatically increase the speed of deploying RPA, automate more business processes than ever before while decreasing the time in which they derive compelling business value. 16:00 16:00 - 16:20 Coffee & Cocktail Break Some time to freshen up with classic cocktails, discuss your favorite speakers and meet people you haven’t had time to. 16:20 16:20 - 17:05 The path for Startups to create meaningful relationships with Traditional Financial Incumbents Nikola Pavesic (Nikkei) - Moderator, Dejan Davidovic (Kriptomat), Nino Surjan (Koios Consulting), Lennart Koopmans (Magnius), Svjetlana Petrovic (HPB) Financial ecosystems are transforming around new financial technology, or “fintech”. As such ecosystems transform, the basis for being seen as legitimate also changes for all actors. Thus, alliances between actors within financial ecosystems are increasingly formed to help gain, maintain, and repair organizational legitimacy. As fintech startups seek to establish a sense of their legitimacy, simultaneously incumbents seek to maintain and repair their organizational legitimacy. Adopting a legitimacy-based view of strategic alliances, we set out the aspects of organizational legitimacy that incumbents and fintech startups look for in a potential partner and how these aspects meet the legitimacy needs of each partner. 17:05 17:05 - 17:20 Power to the People - how we built a platform for the gig-workers Antonela Mamuca (EPTI) Workamo, new venture by EPTI. This is a platform that will make a difference for workers of a new era. With easy gig invoicing and full taxable salary payments, having a virtual company is the way of the future! 17:20 17:20 - 17:35 Story of the World's first retail ETO - How an Electric Bicycle took the Market by Storm Kresimir Hlede (Greyp Bikes) What started as a project inside Rimac Automobili is now a 70 people strong company that is designing, engineering and producing high-end electric bicycles. Greyp's goal was never to be just a bike company. With the current ETO, they are raising funds to build out a connected mobility platform. What is an ETO? How will it affect the future of fundraising? How will blockchain technology impact the mobility industry? COO of Greyp, Kresimir Hlede, will talk about their journey so far and what the future holds for Greyp. 17:35 17:35 - 17:50 Shift Challenge Winner Announcement Find out who won the 3rd, 2nd & 1st place. 17:50 17:50 - 18:00 Closing ceremony A look back onto these two days, a few closing words and a warm goodbye until the next year. 21:00 21:00 – 04:00 After Party Garden Bar & Kitchen Last day, closing party. Go all out... Attend Shift Why attend Shift? Education Every industry is rapidly and dynamically shifting and it's become harder and harder to keep up with it all. In order for you to stay on top of the game, we're bringing the leading industry experts to share their experience and knowledge with you. Networking Over a 1000 FinTech professionals, such as yourself, are coming to the conference to discuss the future of money. You'll be able to meet new people, share ideas and opinions without making it awkward. Everybody here is excited to meet. Prospecting Apart from making new friends, you'll also be able to make new clients. A lot of people will be searching for solutions to their problems and, depending on what you have on the table, you will certainly be able to help someone. Photo gallery Photos Throughout the years, Shift has become famous for its atmosphere, a conference floor jam-packed with content and amazing after-parties. Financial Technology Conference Share Mon 18 & Tue 19 November 2019 Get Tickets Student Ticket Order now Pay with crypto Pay with invoice Where can you find us? Shift Location Prilaz Baruna Filipovića 23A, 10 000 Zagreb,Croatia Zagreb, Croatia We care about your stay Accomodation & Transport If you're wondering where to stay and how to get to Zagreb, we've included here four websites that you can use to plan your trip. "Great venue, right content and amazing energy at the event. Right balance between participants and speakers -- which lead to a creative and fun event" Nitin Gaur Director of Blockchain Labs at IBM "It's exciting to me when an event like Shift Split happens because it is usually the first sign that a new startup ecosystem is forming. To me I find that fascinating, because I know that in time we will see great tech products, Startups and entrepreneurs come from it." Mike Butcher Editor at Large at TechCrunch "The Shift team does an excellent job running high quality conferences. Having attended two Shift events, I would gladly attend again. They attract a diverse set of folks from many countries and present a great opportunity for networking and content." Andrew Rollins Founder of Everbloom Amazing 2019 sponsors Sponsors Become a Sponsor 5 star Sponsor 4 star Sponsor 3 star Sponsor 2 star Sponsor 1 star Sponsor Partners Transport Partner Sneaker Partner Technology Sponsor Payment Sponsor Business Area Sponsor Stage Sponsor Party Sponsor Lunch Sponsor Food & Beverage Media Sponsor Are you interested in our newsletter? We love email, and you should too - subscribe to our newsletter to be up to speed with the latest announcements. Thank you for subscribing! Enter your Email November 18 & 19 2019 - Zagreb, Croatia Shift Money is a Financial Technology Conference, which purpose is to explore new ways to disrupt the world of Payments, Insurance, Lending & Blockchain. This event gathers the representatives of every sector of the industry, no matter their size or stage, in one place to find new partners, create connections and find new opportunities. 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