The number of worldwide non-cash transactions will rise 14% by 2020 to 772.2 billion, according to World Payment Report 2019. They will grow up to 1,045.5 billion in 2022. Emerging markets led the growth charge.
Emerging Asia (32%) and CEMEA (19%) were highest in the global non-cash transaction volumes.
Debit card transaction volume grew up with 17%, most noticeably among the emerging markets.


  • Emerging technologies are creating challenges for established banks (Regulatory push- PSD2, fragmented compliance activity, multiple systems and schemes, data protection regulations)
  • Stringent adoption of data protection rules might hamper the progress of Open Banking and stifle overall innovation.
  • The number and diversity of organizations gaining ground within the non-cash transaction market have grown significantly in recent years. They now include newcomers such as GAFA (Google, Amazon, Facebook, Apple), BiTechs, FinTechs, and innovative digital payment platforms. 28% защита и управление на данните
  • Big Tech firms are leveraging collaboration and partnerships as strategies to expand into geograhies such as Europe and the US.
  • Pressure from BigTechs is the third most critical factor driving the banks’ digital transformation initiatives, according to WPR 2019. What is happening on the Bulgarian financial market?


  • The drivers include the growing adoption of mobile payments, the uptake in contactless technology, and digital innovation from technology players and card giants. Monetizing quick-win solutions and revisiting infrastructure strategies will keep banks viable and focused on the future.

    What are the next steps?
    Focusing on the user experience without compromising the security

  • Collaboration between banks and FinTechs. In response to corporate clients' expectations, banks are launching in-house innovation initiatives or collaboration with FinTechs.

  • Organizing events to raise awareness to end-users, to share knowledge with professionals, to coach managers, demonstrate new solutions and opportunities. 

“Market is preparing for a future state that leapfrogs Open Banking and focuses on player partnerships, data sharing, and strengths-based new roles”.

Anirban Bose,

 Financial Services Strategic Business Unit CEO&Group Executive Board Member, Capgemini

What is the event about

DIGI PAY 2020 - the event for secure and affordable online payments is the first hybrid event in the financial sector this year.
On October 1, 40 experts in the field of payments, banking and fintech sector, financial services took part live in Capital Fort.
Nearly 110 people participated online. Over 50% are satisfied with the event and over 80% would join the next edition.
We thank our partners IBS, SAS, Paysafe, Amatas, Chateau Botevo for the trust.

Who is the event for

• FinTech companies that offer new payment-related services;

• Fraud security managers and experts

• Regulatory Authorities/Combating Organized Crime Authorities;

• Data Security Companies;

• Information security managers and professionals;

• Vendors, Consultants, Online merchants; FinTech companies that offer new payment-related services;

• Companies providing solutions for e-signiture, authentication, fraud analytics, artificial intelligence, applications, and biometrics;

What is our goal

• Better Customer Experience is a priority

• Raising awareness of Mobile payments advantages among Customers and Merchants

• Knowledge-sharing on Complex fraud attacks

• Benefits of adopting Open Banking

• Engaging partnerships between Banks and FinTechs

• Coaching business and technical professionals

• Present working solutions, hands-on the solutions in work shops

* The working languages of the conference will be Bulgarian and English. Translation will not be provided.

The participants in the DIGI Pay 2020 conference will receive as a compliment a bottle of wine from the Chateau Botevo Wine Cellar/Thracian valley and a promotional code for 10% discount for online purchase until the end of March 2021. The conference will end with a glass of wine provided by our partner Wine Cellar “Chateau Botevo”/Thracian valley.

The Speakers

Constantin (1)

Constantin von Altrock, IBM

Director,CTO Safer Payments, Financial Crimes Insights, Data and AI

Topic: “Future Payments Fraud Prevention”

Constantin is for the first time in Bulgaria to attend DIGI PAY 2020. He has implemented payment fraud prevention systems that protect more than 600 million customers around the world. He founded a leading software company in this field that he sold to IBM in 2015. This formed the basis of IBM's Safer Payments offering. He joined IBM as a CTO for the Watson Financial Services Solutions division of IBM.Constantin is an IBM Industry Academy member. From July 2019 is Director, CTO Safer Payments,Data and AI Linkedin

Marcin Nadolny

Marcin Nadolny

Head of EMEA Banking & Insurance Fraud, SAS Institute

Topic: "Combating Fraud in a Digital World / Best Practice Fraud Detection & Prevention"

Marcin Nadolny leads the EMEA Banking & Insurance Fraud Practice. He is a thought leader on fraud, accountable for defining the go-to-market strategy, business development, support of implementations with expert knowledge and fraud analytics. Marcin and his team are subject matter experts that help banks and financial institutions to combat fraud and financial crimes, and improve detection across all areas including payments fraud, application/identity fraud, insurance claims fraud, insider threats. Marcin is an experienced anti-fraud expert, but also data scientist with huge expertise in machine learning applications in business. He has strong background in banking and financial services and over 16 years of professional experience he gained with SAS but also at PwC, Toyota Bank and at DaimlerChrysler R&D. Along his career Marcin was leading fraud teams on the country and regional levels. He participated in numerous projects addressing setting fraud detection strategies with support of machine learning and networks analytics, and particularly he was leading the team of analysts implementing SAS Enterprise Fraud Management platform at largest banks in Central Europe. Marcin is graduated in mathematics from the University of Warsaw, and also holds a Master of Science degree in Applied Computer Science from Albert-Ludwigs-University of Freiburg in Germany.

Andreas Kitsios

Fraud Practice Leader for SAS Greece and Eastern Europe

Topic: “SAS technology for holistic coverage of Payments Fraud and associated threats”

Andreas is the Leader of SAS Customer Advisory for Greece and Eastern Europe (GEE), managing presales activities for Analytics technology across the region. At the same time, he also holds the position of Practice Leader for Fraud and Security Intelligence in the GEE region. Within this role, he is responsible for the design, planning and adoption of solutions that enable companies from various industries to secure their financial and organizational integrity against fraud, and ensure compliance with regulatory requirements. He has over 10 years of experience in the field of Information Technology, with focus on IT solution design and architecture of business applications and has collaborated with class-leading customers across a range of different sectors, including Banking, Insurance, Energy & Utilities, Telecommunications and Retail.

Svetlin Lazarov

Svetlin Lazarov

Head of Digital Analyzes Sector at the Cyber Crime Department of the General Directorate for Fighting Organized Crime at the Ministry of Interior of Bulgaria

Topic:„Cybercrime during a pandemic”

Svetlin Lazarov Chief Inspector Svetlin Lazarov is the Head of Digital Analyzes and Open Sources Sector at the Cyber Crime Department of the General Directorate for Fighting Organised Crime at the Ministry of Interior. Over the years, he has worked on numerous cases of cybercrime, has participated in Europol, Interpol, FBI and Secret Service international investigation teams. He has gone through numerous specializations in the field of cybercrime, cyber evidence and international cooperation. He has been certified by the International Association of Computer Investigators - IACIS, Europol’s European Cybercrime Center (EC3). He was a representative of the Ministry of Interior in the working group on the creation of the Cyber Security Act. He is also a 24/7 contact point on attacks against information systems at the national and European levels.


Goran Angelov

Founder and CEO of IBS Bulgaria


Goran Angelov

has more than 20 years of experience in the field of information and communication technologies and has participated in a number of successfully implemented large-scale IT projects for the business and the public sector. He is a founder and CEO of IBS Bulgaria ( one of the leading IT companies in the country with a focus on the finance industry, analytics solutions, and systems integration. Nowadays IBS is involved in key projects for leading banks related to digital transformation, Data & AI, PSD2 regulation, infrastructure modernization, and information assets management. IBS Bulgaria ( is an IT Consulting, Systems Integrator and Software Development company founded in Bulgaria. The company is servicing the best businesses and government agencies since 2003. In the finance industry focus areas are Integration and API management, Data and AI, Fintech and Regtech solutions, Counter fraud and Financial crimes.  

Dimitar Popov

Director Consulting Deloitte

Topic: “Future Payments Fraud Prevention”

Dimitar joined Deloitte Consulting in 2017 and is based in Sofia. He leads the Management Consulting practice in Bulgaria and is also part of the Deloitte Global Treasury Advisory practice, leading the efforts in Central and Eastern Europe. Dimitar’s background includes both management consulting and industry experience having worked with global organisations on finance and treasury transformation, post merger integration and high level strategic programmes, technology infrastructure procurement and implementation.

Васил Бакалов

Vasil Bakalov

Senior Risk Systems Business Consultant in IBS Bulgaria

Topic: “End to end solution for preventing fraud in all cashless payment channels”

Vasil Bakalov is Senior Risk Systems Business Consultant in IBS Bulgaria ( one of the leading IT companies in the country with a focus on the finance industry, analytics solutions, and systems integration. Nowadays IBS is involved in key projects for leading banks related to digital transformation, Data & AI, PSD2 regulation, infrastructure modernization, and information assets management.

Vasil Bakalov has a master's degree in Business Management. He has more than 10 years of experience in the bank services, digital payments industry and expert knowledge in risk systems and fraud prevention techniques. In the past he has participated in key successful projects in the field of banking and DW. Now he delivers his expertise into the configuration and implementation of the Holistic Fraud Prevention System among fin-tech companies and banking institutions.

Marin Delchev

Marin Delchev

Senior Machine Learning Engineer, Paysafe

Topic:"Fighting fraud with Graphs and Machine Learning

Marin Delchev is a machine learning engineer with over eight years of experience in the software development industry. He has experience in designing, building and deploying machine learning solutions to production. He is a Senior Machine Learning Engineer in Paysafe and part of the management board of AI Cluster Bulgaria. Marin holds a master's degree from one of Germany's universities of excellence – RWTH Aachen.

Boris Goncharov

Boris Goncharov

CEO, Amatas

Topic:"Subverting blockchains. Real risk or Irrational hype"

Boris Goncharov is a well-recognized information security visioner with many years of real-life information security experience. He works as CEO at AMATAS where he is focused on envisioning the future of security and defining customer protection strategies and tactics. Prior to AMATAS, Boris was Chair of Cyber Security Center of Excellence (CSeCoE) at G4S Europe. He is a regular speaker at leading security events as InfoSec Europe, Gartner Security & Risk Management Summit, IDC Security Roadshow, Webit, The IT Summit USA and others. Boris currently maintains top-level industry certifications including CISSP, ISSMP, CCISO, CCSP, CEH, TOGAF, CIPP/E, CHFI and PRINCE 2

Филип Мутафис

Filip Mutafis

Member of the Management Board of the Bulgarian Association of Software Companies (BASSCOM) and one of the founders of Paysera

Topic: "Financial fraud and decision like Ondato for secure data identification"

Filip Mutafis is an investor among the founders of Paysera Bulgaria, the local representation of the Lithuanian electronic money company Paysera LT and one of the first fintech companies in the country. Filip has many years of experience in IT companies - Dynamic Solutions, Singular, Unisoft, Sirma Business Colnsulting, Balkan Services. Throughout his career, he has participated in innovative the Bulgarian business activities - the first internet laboratories, implementation of ERP systems, launching the most successful business system in Bulgaria - QlikView. He has been a lecturer at numerous business planning events, ERP systems, and has been involved as a lecturer and key partner of DIGI PAY since its first issue in 2016.

Vladislav Venev

Vladislav Venev

Information Security Manager at PPD

Vladislav Venev has 20 years of experience in the field of cybersecurity and information technology. He has held various positions, including Information Security Manager and Personal Data Protection Officer at a leading financial institution. Vladislav has extensive knowledge in the fields of cybersecurity, information technology, and telecommunications. He has solid experience in the design and implementation of a number of large-scale projects for information security, telecommunications, video conferencing and telemedicine. Experienced presenter and lecturer on topics for information security, data protection, and information technology. Currently, Vladislav is taking the position of Information Security Manager (operations security) at PPD.


Svetlin Dobrev

Cofounder of NOTO

Topic: "Transform your fraud and AML programs with a single solution. How to choose the right vendor?"

Svetlin Dobrev is a highly rated and sought after fraud and risk management specialist with vast experience in the e-commerce and online gaming industry. Svetlin started his career at Moneybookers (then Skrill and now Paysafe Group), where he met the rest of the co-founders of NOTO. Svetlin spent eight years at Moneybookers/ Skrill ending up leading the Fraud Department with over 20 direct reports. Svetlin is renowned for his hands-on approach to his work. Svetlin moved Intralot and Rakuten between 2014 and 2015 where he lead the Payments and Fraud teams and worked towards creating and successfully applying a sound and efficient fraud prevention and risk management practices. Svetlin has been fully onboard at NOTO since June, 2015, shortly after the company was created. He leads the Product division and ensures that all features run smoothly, assisting existing users to use the platform as intended, advising customers on appropriate risk management practices, creating ad-hoc monitoring and prevention rules for platform users, providing risk and fraud management consulting services.

Любомир Тулев 0708 new

Lyubomir Tulev

Senior Cyber Security Architect & Business Information Security Consultant at BULPROS

Topic: "Formjacking - The New Invisible E-skimming Threat in Cyberspace"

Lyubomir Tulev (CCISO, ECSA, CEH, CHFI, CEI) is Senior Cyber Security Architect & Business Information Security Consultant at BULPROS. He manages the cyber security operations and solutions, provided from the MSSP services portfolio of BULPROS to its clients; consults and implements cyber security controls by ensuring proper equipment and software deployment and calibration. He is highly qualified cyber security professional with over 10 years of experience in Bulgarian law enforcement and business.

Eduard Cvetanov

Eduard Tsvetanov

fintech consultant and founder of Patterns agency

How far are we with the revolution? Technological progress in the last year and its impact on business in Bulgaria.

Eduard Tsvetanov is founder of Patterns-the first agency in Bulgaria specializing in the business development of technology companies. Eduard began his career in the office of the European largest lobby group, Burson-Marsteller. After gaining professional experience in England, Belgium and Brazil, he returned to Bulgaria in 2017, where he later led the local market of the British fintech giant Revolut. Eduard is a member of Sofia-Lab as head of the Mobile Banking section.

Павел Камински

Pavel Kaminsky

Information Security expert, 7Security

Topic: “PCI DSS Certification doesn't Exist"

Kaminsky – PCI QSA, CISSP, CISA, CEH. Kaminski is Information Security expert, auditor, penetration tester, regular lecturer at various conferences in the country and abroad, founder, partner and Head of Operations at 7Security - an Information Security company that is also the first QSA company in Bulgaria certified by the PCI Security Standards Council.

Ivan Hadjov2

Ivan Hadjov

Business Development Manager, Mastercard

Topic: “SAS technology for holistic coverage of Payments Fraud and associated threats”

Ivan Hadjov has more than 11 years of experience with digital solutions across different sectors –fintech, online games and gambling. His career in Mastercard started in 2017 as a Business Development Manager - Digital Products. Ivan is responsible for developing strategic partnerships and delivering the right technology to the public and private sector in Bulgaria, North Macedonia and Kosovo. He supports banks, fintech companies, merchants and governments to achieve their goals using the latest Mastercard technologies including: e-commerce solutions, digital wallets, mobile payments, digital identity and various cyber security solutions. Ivan is the regional representative of Mastercard ID Service ( and works closely with the global team and local partners to execute the digital identity initiative in Republic of North Macedonia and the region.


Nayden Marechkov

Nayden Marechkov

Product Development Director, Mastercard

Topic: Open Banking – where we are, and what to expect in next one year

Nayden Marechkov has more than 12 years of experience in the field of financial products and services. His career at Mastercard started in 2016 as Product Development Director for Bulgaria, Northern Macedonia, Albania and Kosovo, supporting financial institutions/issuers to develop and deliver the best product proposition to end customers on the four markets. In past one year he has been responsible for projects related to Open Banking in Bulgaria. Nayden has proven experience in the fintech sector, developing commercial and consumer wallets, prepaid products and co-branded cards, across different European markets.      

Свeтлин Наков

Dr. Svetlin Nakov

inspiration manager at SoftUni

Topic: "Live Demo: Compromising Modern Online Banking Apps through Hijacking Android Device".

Dr. Svetlin Nakov ( is a passionate software engineer, inspirational technical trainer and tech entrepreneur, with 20 years of experience in a broad range of programming languages, software technologies and platforms, applied cryptography and cybersecurity. He is an author of the "Practical Cryptography for Developers" book ( Svetlin is co-founder of several highly successful tech startups and non-profit organizations. Currently, he is innovation and inspiration manager at SoftUni ( - the largest tech education provider in South-Eastern Europe. In his talk Dr. Svetlin Nakov will explain and demonstrate how easily a 10-years old child can gain full control over modern European online banking apps, through hijacking an Android mobile phone, using trivial remote administration tools and screen recording apps from the official Android app store. The speaker will demonstrate why online banking should not rely for the multi-factor authentication on a single connected device. Finally, the speaker will give recommendations for fixing the security in online banking systems.

The Edition 2020


Golden Partners

Silver Partners

Bronze Partners


Media Partners

DIGIPAY 2019 Edition

• Over 150 Participants

• Most popular lecturers in the field of payments- BNB, Borica, General Directorate for Combating Organized Crime ( GDCOC ), First Investment Bank, Raiffaisenbank, IBS, NOTO, Evrotrust, Phyre,Socyber

International lead companies in digital payments,fraud, digital banking - Paysafe, OneSpan, Paysera

Premiere- Application Phos Premiere, easy and secure online payments everywhere

Източник: Интер Експо Център


ACFE Bulgaria

Examiners, USA (ACFE, USA). The Association of Certified Fraud Examiners (ACFE) is the world’s largest anti-fraud organization and premier provider of anti-fraud training and education. 

С Together with more than 85,000 members, the ACFE is reducing business fraud worldwide and inspiring public confidence in the integrity and objectivity within the profession.

Vladimir Ikonomov

Dimitar Toshev

Raya Lecheva
+359 878 160610