G+D Netcetera Innovation Summit 2025

Tanja Steinhoff, G+D Netcetera

Markus Navratil, G+D Netcetera

Thomas Fromherz, G+D Netcetera

Satya Puppala, G+D Netcetera

Francesc Altisent, VP Product at Mangopay 

Oded Salomy, International payments expert, Founder & CEO, Paywise network 

Martin Zeisel, G+D Netcetera

Moderator: Simon Guggenbichler, G+D Netcetera

This panel explores the challenges and opportunities shaping the future of money movement. We will discuss the growing importance of Account-to-Account (A2A) payments, highlighting regulatory mandates, risk management, and technical requirements. Special attention will be given to cross-border capabilities, including emerging Web3 technologies like stablecoins, and key European initiatives. 

Together, we’ll examine how collaboration and innovation across the payments ecosystem enable smoother, faster, and more compliant money flow across borders.

Stefan Goldbrunner, Atruvia 
Matthias Salmon, G+D Netcetera 

The importance and implementation of tokenization for the Volks and Raiffeisenbanken. The technology is being developed as a central building block for secure and convenient payment solutions for the banks’ customers.

Nadia Benítez Hernández, Swisscard AECS 
Werner Renz, Viseca 
Markus Navratil, G+D Netcetera
Tanja Steinhoff, G+D Netcetera

BIN attacks, enumeration attacks and card testing are well-known issues in the payment fraud prevention area. Today, fraudsters are abusing 3-D Secure as PAN validator. Thousands of card numbers can be tested against the 3-D Secure infrastructure within minutes.

Tanja, Nadia, Werner and Markus share their views on BIN attacks and the G+D Netcetera BIN Attack Score. How do BIN attacks affect issuers? What are fraudsters exploiting the 3-D secure channel? And is the G+D Netcetera BIN Attack Score strong enough as shield? 

Carsten Wengel, G+D Netcetera

Silvia Sanz, G+D Head of Group Strategy

Moderator: Rüdiger Vogt

G+D Netcetera welcomes the G+D Group Head of Strategy and Corporate Development to a moderated dialogue with the G+D Netcetera CEO, sharing news, vision and trends:

• Digital Sovereignty
• Digital euro, from vision to reality
• Innovation, security and trust
• Re-inventing a centuries-od company
• Growth mindset in uncertain times

Eric Zie, GoCodeGreen

Karolina Derwisz, Visa

Lorenz Theobald, Ecolytiq/Clarity AI 

The session explores critical dimensions shaping the future of banking and payments. Experts David Lais, Karolina Derwisz, and Eric Zie will address market demand for sustainable features, revealing what banks prioritize versus what remains aspirational. The discussion will cover practical steps for embedding sustainability into digital products, successful vendor-bank collaborations, and strategies to transform sustainability from a cost center into a value driver.

Vaya Wieser-Weber

In today’s unpredictable world, staying mentally flexible and emotionally balanced is more important than ever. Vaya Wieser-Weber introduces the Growth Mindset as a practical and empowering mindset that helps people navigate uncertainty with curiosity, clarity, and confidence.

Participants learn to rethink limiting beliefs, embrace challenges as opportunities, and stay energized—even when times are wild. Strong human connection is woven throughout: the talk also explores how growth-oriented thinking improves the way we relate to others—at work and beyond. With insights from neuroscience, psychology, and her entrepreneurial experience, Vaya inspires people to grow, adapt, and move forward—together.

Our panel will discuss industry approaches, outlook, and the future payment landscape:

Thomas Tittelbach, CPO Dinape
Oliver Hommel, EURO Kartensysteme GmbH
Andre Moeller, ELLI – A brand of the Volkswagen Group

As digital payments evolve, partnerships among banks, payment providers, merchants, and card networks play a growing role in addressing key industry challenges like fraud prevention, regulatory compliance, and changing customer expectations. 

This panel will explore how collaboration enables stakeholders to pool resources and develop joint solutions that improve market responsiveness, risk management, cost efficiency, and interoperability.

The discussion will also highlight practical examples such as Verification of Payee (VoP), the growth of real-time payments, and the adoption of the latest technologies like AI and biometric authentication to enhance security.

At G+D Netcetera, we interconnect the payment ecosystem to deliver a trusted digital payment experience. We believe that bringing practical insights and expertise from our work during this session will help us to more successfully address payment fraud while meeting consumer demands for speed, transparency, and usability.

This discussion aims to inspire attendees by sharing different industry perspectives. 

Together we drive progress.

Nahom Beyene, Visa

Carsten Muerl, Mastercard

Carsten Muerl will give an introduction to the development of fraud over the past few years and where we currently stand. He will also share Mastercard’s vision for fighting fraud and highlight new emerging developments. Finally, he will provide a summary on agentic commerce.