08.30–09.00
Opening of the Summit
Moderated by: Michaela Nováková, Editor-in-Chief, Investiční web 
Welcome Address: Aleš Blažek, President of the Czech Banking Association and Chairman of the Board & Chief Executive Officer, Československá obchodní banka, a. s.
Jan Frait, Vice-Governor, Czech National Bank

09.00–09.30
PSD3/PSR – The New European Framework for Payment Services
David Sabban, Policy officer – Seconded national expert, European Commission

• 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
Fighting Fraud from the Banking Perspective: What the EU Framework Delivers and What Remains to Be Done 
Christophe Bonte, Head of Payments, European Banking Federation

• The origin and nature of fraud in relation to a payment transaction
• Measures taken by banks to combat fraud
• The European regulatory response and other international developments
• The ecosystem approach and the cooperation between the public and private sector

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
Matúš Bilka, Ministry of Finance of the Slovak Republic  
Jiří Ambrož, Head of the Payment Services Regulation and Oversight Unit and Deputy Director of the Payment Services Regulation Department, Czech National Bank

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 
Petr Molínek, Head of Fraud, O2 Czech Republic 
Andrea Komárková, Executive Manager, Digital and Card Fraud Detection, Československá obchodní banka, a. s.
Adam Nečas, Senior Lawyer, BBH Law Firm

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

13.30–14.30
Open Banking 2.0 under the PSR | Panel Discussion
Moderuje: Tomáš Hládek, Gestor of the Payment Systems Commission, Czech Banking Association (ČBA) 
Johan Schweigl, Head of Legal & Compliance ve společnosti Mo.one a.s.
Michal Bača, Senior Manager Integration, MONETA Money Bank
Peter Malečka, Director of Payment Systems & Strategic Development, EVERIFIN s.r.o.
Lukáš Okál, Head of Open Banking, Tatra banka, a.s.

• 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

14.30–14.50
Strong Customer Authentication (SCA) after PSR – New Authentication Scenarios
Radomír Pravda, Key Account Manager, Monet+

• SCA without reliance on a single device or technology
• A look at possible alternatives, especially the FIDO2 standard
• EUDIW options and utilization for SCA and other scenarios

15:10–15:30
Fraud Without Borders: Why Payment Fraud Requires Cross-Sector Cooperation
Maciej Jamiolkowski, Business Development Director, LexisNexis Risk Solutions

• Fraud often starts or continues outside the banking sector.
• Banks, telcos, platforms and public authorities each see only part of the story.
• Why individual controls are not enough against coordinated fraud schemes.
• How timely sharing of warnings, patterns and indicators can help.
• Key barriers: data, liability, governance and trust.
• Why fraud prevention needs to move to an ecosystem level.

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)
Jan Blažek, Chairman of the Board, 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

13.30–14.10
SEPA Instant Payments – Real-Time Euro Payments
Czech and Slovak Perspectives
Milada Čapková, Transaction Services Product Manager, ING Bank N.V.
Ing. Iveta Behúňová, Payment Systems Expert, National Bank of Slovakia

• 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

14.10–14.50
Verification of Payee – Data, User Experience and Liability
Jan Hnátek, Product Owner – Payment Initiation, Customer Journey, Digital Banking, Komerční banka a.s., Chairman of the Pay to Contact Working Group, ČBA
Ryan Hollebrandse, Enterprise Account Executive, SurePay

• 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

15.10–16.00
Modern Payments: From Regulation to a Better Customer Experience | Panel Discussion
Moderator:
Martin Sládeček, Associate Director, Customer & Digital Advisory, KPMG Česká republika 
Katarína Turnová, Head of Payments & Fraud Prevention, Rohlik Group
Jakub Ouhrabka, CEO, COMGATE
Jakub Koudelka, CEO, Mo.one a.s.
Radim Široký, Payments & Cards Domain Lead, Česká spořitelna a.s.

• Checkout under pressure: speed, trust, cost and conversion
• Pay-by-bank and bank payment buttons: what do they need to offer to compete with cards and digital wallets?
• Banking apps as the next generation of payment gateways
• The realities of commerce: payment guarantees, refunds, disputes, reconciliation and reporting
• Security without friction: how to protect customers without compromising UX

16.00–16.30
Digital Wallets, Tokenisation and Mobile Payments
Luděk Slouka, Director, Products & Solutions, Digital, Mastercard Europe  

• 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?