en

Morning Plenary Session

08.20–08.45
Registration & Coffee

08.45–09.00
Opening of the Summit
Welcome Address: Aleš Blažek, President of the Czech Banking Association and Chairman of the Board & Chief Executive Officer, Československá obchodní banka, a. s.

09.00–09.30

PSD3/PSR – The New European Framework for Payment Services


  • Looking back at the development of the PSR

  • Market harmonisation and a more consistent interpretation of the rules

  • Customer protection, fraud and liability

  • Open Banking, Instant Payments and Digital Identity

09.30–10.00

What Does the New Framework Mean for Banks?
Alexandra Maniati, Senior Director, Innovation & Cybersecurity, European Banking Federation

  • The impact of the new payments legislative package on European banks

  • Fraud liability and shared responsibility

  • SCA, customer experience and competitiveness

  • Relationships between banks, fintechs, Big Tech and wallet providers

10.00–10.20
Coffee Break

10.20–11.00
PSD3/PSR: Regulatory Perspectives from the Czech Republic and Slovakia | Panel Discussion
Tomáš Nýdrle, Deputy Director of the Department and Head of the Payment Services and Market Infrastructure Unit, Ministry of Finance of the Czech Republic
Martin Peter, Head of the Banking Department, Ministry of Finance of the Slovak Republic
Representative of the Czech National Bank (to be confirmed)

  • Key changes for the Czech and Slovak markets
  • Supervisory expectations and implementation priorities
  • Key issues to be addressed in the coming period

11.00–11.40
Liability for Payment Transactions in the PSR Era
Tomáš Nýdrle, Deputy Director of the Department and Head of the Payment Services and Market Infrastructure Unit, Ministry of Finance of the Czech Republic

  • Authorised and unauthorised transactions

  • Liability shift and refunds

  • Disputed transactions in practice: claims, evidence and customer liability

  • Impact on contractual documentation and customer communication

11.40–12.30
When Fraudsters Pretend to Be Your Bank | Panel Discussion
Moderator: Marek Macháček, Generali
Panellists:
Marek Ebert, Chairman, Czech Telecommunication Office 
Radek Šichtanc, Director of Security, O2 Czech Republic 
Andrea Komárková, Executive Manager, Digital and Card Fraud Detection, Československá obchodní banka, a. s.
Representative of the Czech National Bank (to be confirmed)

Topics include:

  • Spoofing and fake banking communication channels
  • The role of telecom operators, digital platforms and other stakeholders
  • Shared liability under the PSR
  • How to better detect and prevent fraud outside the banking environment

12.30–13.30
Networking Lunch

Stream A:
Regulation, Fraud & Implementation

13.30–14.15
PSD3/PSR Implementation: Practical Implications

  • A practical roadmap for implementation
  • Impact on banks, payment institutions and fintech companies
  • Contractual documentation, customer information and internal processes
  • Implementation governance and the role of compliance and legal teams

14.15–15.00
Strong Customer Authentication (SCA) after PSR – New Authentication Scenarios

  • Merchant-Initiated Transactions (MIT), Mail Order/Telephone Order (MOTO) and recurring payments
  • SCA without dependence on a single device or technology
  • EUDIW as an identity and authentication layer
  • Tokenisation and payment instrument enrolment into digital wallets

15.00–15.30
Coffee Break

15.30–16.30

SAFE-D & FRIDA: Fraud Data Sharing in the Czech Republic and Europe
Dirk De bruyn, Manager, Fraud Prevention & Security, European Payments Council (EPC)
Representative of Bankovní identita, a.s.

  • The European EPC FRIDA initiative
  • The Czech SAFE-D project and its practical approach
  • What fraud signals can be shared and how should they be used?
  • GDPR, banking secrecy, false positives and liability
  • Integration with real-time fraud monitoring and instant payments

From 16.30
Informal Networking in the Foyer

Stream B:
Infrastructure, Data & Innovation

13.30–14.10

SEPA Instant Payments – Real-Time Euro Payments
Czech and Slovak Perspectives

  • European euro payment infrastructure and regulatory milestones
  • 24/7 operations, availability and incident management
  • Liquidity, settlement and operational readiness
  • Importance for the Czech and Slovak markets and cross-border euro payments

14.10–14.30
Verification of Payee – Data, User Experience and Liability

  • Matching the account holder's name with the account/IBAN
  • Exact match, close match and no match
  • Corporate payments, bulk payments and opt-out
  • Customer warnings, liability and fraud prevention

14.30–15.00

Modern Payment Methods & Alternatives to Card Payments in the Czech Retail Market | Panel Discussion
Katarina Turnova, Head of Payments & Fraud, Rohlik Group

  • Czech crown instant payments as domestic payment infrastructure
  • Pay-by-bank scenarios and e-commerce
  • What do merchants need? Pricing, user experience, guarantees, refunds and reporting
  • The role of banks, payment gateways, acquirers and retailers

15.00–15.30
Coffee Break

15.30–16.00
Open Banking 2.0 under the PSR

  • Dedicated APIs and data parity
  • Consent dashboards and access management
  • Prohibition of obstacles for TPPs
  • Premium APIs and value-added services
  • Current developments beyond the FiDA framework

16.00–16.30
Digital Wallets, Tokenisation and Mobile Payments

  • Pass-through vs. prefunded/staged wallets
  • When is a wallet a technical service and when is it a payment service?
  • Tokenisation and payment instrument enrolment
  • NFC, Secure Element and OEM access
  • Who will control the customer payment interface?

From 16.30
Informal Networking in the Foyer