Nina Stoyanova
Deputy Governor, Head of the Banking Department and Member of the Governing Council, Bulgarian National Bank.

Nina Stoyanova is Deputy Governor, Head of the Banking Department and Member of the Governing Council, Bulgarian National Bank., elected on July 29, 2015 by the 43rd National Assembly for a 6-year term. in the period 2007-2015 she was a Chief Lawyer, Director of the Legal Directorate at the BNB. At that time he was also a member of the Legal Committee of the European System of Central Banks. In September-December 2006 he was a legal adviser at the European Central Bank in the Legal Services Directorate under a short-term employment program in the European System of Central Banks. In the period 2004-2015 she was a legal advisor on the board of the BNB Printing House, from 2001 to 2004 she was a member of the Board of Directors of the printing house. From 1994 to 1999 she was a legal adviser in the Directorate. Legal „of the central bank, and until 2006 – senior legal adviser.

Panel 1: The fourth dimension of the financial business – visionary and eco-systems time

Martin Boyle
Chief Transformation Officer

Martin is responsible for developing and delivering the Bank’s transformation and change agenda.

Prior to joining Metro Bank in 2020, Martin was CTO at Nationwide Building Society. He is an experienced change and operations leader, and has also held senior roles in Portman Building Society, VISA Europe and Accenture.
Outside of work, Martin is a keen cyclist and cinemagoer, and enjoys spending time with his teenage children – even if they don’t always want to spend time with him.

Teodora Petkova
CEO at UniCredit Bulbank

From May 2019 Teodora Petkova is CEO and Chairman of the Management board of UniCredit Bulbank. In September 2016 she became a member of the Management Board and Chief Risk Officer at Unicredit Bulbank in Sofia. She is the Chairing head of the Credit Council of Unicredit Bulbank, of the Provisioning and Restructuring Committee, and a member of the Credit Committee. She started her career in the Bank as a credit analyst in 2002 and became senior manager of the corporate credit team in 2007, leading the post-merger integration and implementation of the best practices in credit underwriting operations for the three local banks that were merged into UniCredit Bulbank. In the period 2009-2015, Teodora was Head of the Credit Risk Department of the Bank. Then she gained cross-divisional business experience as Head of International Center in the Corporate and Investment Banking Division, managing the relationship with the international and multinational corporates, having Bulgarian establishments. She is part of the Supervisory Board of UniCredit Consumer Financing EAD and UniCredit Leasing EAD has years of experience as part of the Board of Directors of UniCredit Factoring EAD. She is member of the Executive Board of the Association of Banks in Bulgaria (ABB) and she is in the Board of Directors of BORICA – Bank Services.

Teodora Petkova is a Member of the Management Board of Council of Women in Business in Bulgaria (CWBB). She was elected as a Deputy Chairperson of the Executive Board of the ABB in April 2021.

Teodora Pеtkova holds a Master’s Degree in Finance from the University of National and World Economy in Bulgaria. She also has a Global Executive MBA from Carlson Business School of the University of Minnesota and from the Vienna University of Economics and Business.

Petya Dimitrova
CEO at Postbank

Mrs. Petia Dimitrova is Chief Executive Officer and Chairperson of the Management Board of Postbank (under the legal name Eurobank Bulgaria AD). She joined the team of Postbank in 2003 as Country CFO for the eight affiliated companies of Eurobank EFG Group in Bulgaria. In 2005 was appointed Procurator of the Bank. In 2007 she was appointed Executive Director and Member of the MB of DZI Bank. After the legal merger of DZI Bank and Postbank she became Executive Director and Member of MB of the unified bank. In 2012, Mrs. Dimitrova became Chief Executive Officer and Chairperson of the Management Board of Postbank.
Under her leadership, Postbank completed in just a few years two successful deals, the acquisition and integration in a record short-term time of Alfa Bank – Bulgaria Branch, followed by Piraeus Bank Bulgaria. They are another step to strengthen its position as a systemic for the bank market and to expand its customer base.

Petr Baron

Petr Baron, CEO of TBI has extensive experience in retail banking with focus on digital transformation and business evolution. He has studied Investment and Financial Risk Management at Cass Business School in London, UK. Prior to joining TBI in 2016, he held CEO roles and
multiple board positions in financial industries across European markets, leading companies to provide best-in-class financial instruments, create innovative and scalable business and foster best practices. Angel investor in fintech, technology and e-commerce.

Nikola Bakalov
CEO at Fibank

Mr. Nikola Bakalov has extensive experience in the banking and insurance sector in Bulgaria, combined with proven professional and managerial skills. At the beginning of 2020, he was elected as Chief Retail Banking Officer (CRBO), Member of the Managing Board and Executive Director of First Investment Bank AD, responsible for the retail banking business lines within the Bank.
Responsibilities in the Bank – Compliance function, Legal Department, Corporate Communications Department, Marketing and Advertising Department, Human Capital Management Department, Administrative Department, Asset Management Department, Information Technologies Department and Protocol and Secretariat Department.

Georgi Zamanov
CEO at Allianz Bank Bulgaria

Georgi Zamanov has a master’s degree in Economics and Finance from the University of National and World Economy and in Nuclear physics from Sofia University „St. Kliment Ohridski ”. He started his career as an analyst at the Bulgarian National Bank, then UBB, HVB Biochim and UniCredit Bulbank, where he held senior positions. Since 2007, he has been a member of the Management Board of UniCreditBank Serbia, where he was responsible for risk management, and then of UniCreditBank in Ukraine, responsible for corporate and investment banking. At the end of 2015 he joined the team of Allianz Bank Bulgaria as an Executive Officer. He has been the Chief Executive Officer of Allianz Bank Bulgaria since the beginning of 2017.

Diana Miteva
Executive Director at DSK Bank

Ms. Miteva has been part of DSK Bank’s Management Board for over 17 years. She has been Head of Retail Banking since 2007 and prior to that she served as Executive Director and Head of Corporate Banking division of the Bank. Ms. Miteva has intensive experience in the banking sector, being part of the management teams of ING Bank Sofia Branch, as Head of Financial Controlling, and of Demirbank, as Member of the MB and Executive Director in charge of Financial Controlling.

On April 27, 2021 Diana Miteva was appointed as a Chairperson of the Management Board of the Association of Banks in Bulgaria. Bearer of the prestigious Hungarian Andras Fay award. In 2009 and 2017 Ms. Miteva was named Banker of the Year by Banker weekly. Winner of the renowned Atanas Bourov Award for Bank Management 2013. In April 2017, Diana Miteva was awarded the French National Order of Merit. Over the last two years Ms. Miteva has been managing the largest project for digital transformation in DSK Bank – Retail Bank of the Future.


Christof De Mill
Country CFO, Innovation leader for KBC Group in Bulgaria

Christof De Mil started his career in KBC Group in 1995. After 10 years at various managerial positions in the Retail/SME branch network of KBC Group, in 2006 he moved to the Czech Republic to head the Retail/SME branch network of CSOB for a period of 5 years.

In 2011 he was appointed member of the Management Board of CIBANK with responsibilities in the following domains: Retail banking, Branch Network and distribution channels and Payments.

After the acquisition of United Bulgarian Bank by the Belgian finance group KBC Group in June 2017, Christof De Mil has become member of the Management board and Executive Director Finance of UBB.

He has a degree in Economics from the Economic University of Ghent and also MBA from INSEAD.

He is fluent in Dutch, English, French, Business German and basic Czech.

Miroslav Vichev

MIROSLAV VICHEV is a Chief Executive Officer of the payment and card operator BORICA. He has over 30 years of experience in the field of information technology for the banking sector. Before joining the company, he held a number of leadership positions – Head of “Applied Systems” at the Bulgarian Postbank, Director “Management Consulting and IT” at Deloitte & Touche, Head of “Consulting Department” at Microsoft Bulgaria, IT Director at HVB Bank Biochim, CEO of DSK Bank. He was also a member of the Supervisory Board of the “DSK Rodina” pension company, member of the Board of Directors of the “Cash Service Company AD” and a member of the Board of Directors of OTP Bank (Russia), Deputy CEO of „Information technologies and Operations“ of OTP Bank (Hungary). Mr. Vichev is a former graduate of the Technical University of Sofia.

Kalin Radev
Founder and Executive Director at Software Group

Kalin Radev is the CEO of Software Group, a global technology company specialized in digitalization and integration solutions for institutions that provide financial services. He brings 20+ years of professional experience in IT, 15+ of which in banking, financial inclusion, and microfinance. Kalin has extensive international experience leading strategic projects in Europe, Africa, Asia, Pacific and Latin America. His expertise has been crucial for carrying out more than 100 projects around the globe, focused on developing IT strategies and designing solutions that drive digital transformation and enhance efficiency. The beneficiaries were organizations from the financial sector as well as NGO’s such as: USAID, World Council of Credit Unions (WOCCU), Catholic Relief Services (CRS), World Bank, Consultative Group to Assist the Poor (CGAP), Opportunity International, Triple Jump, Finance in Motion, echange, Chemonics and others. Mr. Radev is Chairman of the Indian-Bulgarian Business Chamber, as well as Member of the Board of Directors of the Microfinance Center (MFC) and Endeavor Bulgaria.

Aleksander Petrov
Senior partner, McKinsey London

More information: HERE

Georgi Konov
Partner, McKinsey UAE

More information: HERE

Panel 2: Fintech revolution continues. It is time for eco-systems

Margaret Doyle, Partner
Financial Services at Deloitte

Margaret is the Chief Insights Officer for Financial Services for Deloitte UK.
Margaret started her career with McKinsey & Company, before moving into financial journalism.
She covered business and finance for The Economist and The Daily Telegraph for a decade, and for two years edited Global Agenda, the magazine of the World Economic Forum’s annual meeting at Davos. She then covered investment banking for the award-winning Reuters Breakingviews.
Margaret presented several flagship current affairs programmes for the BBC, including Today, The World Tonight and Analysis on Radio 4; The World Today on the World Service.
Margaret studied economics at Trinity College, Dublin, where she was an Entrance Exhibitioner and Foundation Scholar. She earned an MBA from the Harvard Business School, (HBS), which she attended on a Fulbright Scholarship, and from which she graduated as a Baker Scholar. She sits on the HBS European Advisory Board and is a British-American Project Fellow.

Sophie Bertin
Founder and Executive Director of Parnima Consulting, Switzerland

Mrs. Sophie Bertin is the founder and Executive Director of Parnima Consulting, Switzerland. Previously, she has worked for SIX Group, Switzerland, a global financial services provider (exchange, all securities related transactions, payment systems and financial information) serving a wide range of Swiss and international clients. Before joining SIX Group, she has worked at key positions at The Bank of New York, SWIFT, McKinsey, Bain, and the European Commission. She has an MBA diploma from INSEAD.

Sevdalina Vasileva
General Manager at Visa for Bulgaria, Greece and Cyprus

Sevdalina Vassileva is the General Manager at Visa for Bulgaria, Greece and Cyprus. Part of the leadership team of the world’s leading payments network, she is an avid advocate of the benefits that digital payments and technology bring to the economy, businesses and individuals. She joined Visa with 20+ years of executive experience and expertise in banking, FMCG, technology and innovation.
Sevdalina is actively working with the entrepreneurial ecosystem, mentoring and advising start-up companies in the areas of technology and social impact. She is one of the architects of the Visa Innovation Program, started in Bulgaria back in 2018 in cooperation with Eleven Ventures, and has ever since remained a key contributor to its successful expansion in the SEE region in present days.

Richard Kibble
Partner at Deloitte

Richard Kibble is a Partner in the Monitor Deloitte practice of Deloitte Consulting. He holds over 25 years’ experience in strategy and management consulting, with particular expertise in digital strategy, innovation and digital transformation in banking.
Prior to joining Deloitte, Richard was the Group Strategy/Corporate Finance Director at the Royal Bank of Scotland. Before this, he led the Corporate Strategy practice at one of the “Big Four” accountancy firms. His clients have included most of the major banks and his advisory network covers a peer network of C-suite executives.

Vladimir Mahnev
Head of Digital transformation and Innovation, Raiffeisenbank (Bulgaria)

Vladimir Mahnev brings 20+ years of experience in driving growth by using digitally enabled products and services in various industries. He has been contributing to the success of some of the leading technology and consultancy companies in the CEE region. Vladimir has been in charge for designing complex digital transformation programs to drive digital business outcomes using AI, Cloud, Mobile, IoT and related modern technologies. His experience includes leading number of complex enterprise-wide global business transformation engagements and large scale international digital solutions initiatives.
As of 2019 he is Chief Digital Officer of Raiffeisenbank (Bulgaria) with the primary task to drive the Digital Transformation initiatives across the whole organization, following its mission to transform continuous innovation into superior customer experience.

Goran Angelov
Founder and Manager of IBS

Goran Angelov is the founder and CEO of IBS Bulgaria (IBS) – 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, PSD2 regulation, infrastructure modernisation and information assets management.

Daniel Aleksiev
Deputy Director of Payment Services at BORICA

DANIEL ALEXIEV is a Deputy Director of Payment Services at BORICA AD.
He joined the Company in 2020. In the past 10 years Daniel has held key positions related to the development of digital products and services for the banking sector. He has participated and managed numerous programs focused on innovations and digital transformation.
In BORICA he manages the strategic for the company fintech project InfoPay, which is in response to the European payment directive PSD2.


Prof. Dr. Georgi Dimitrov
Member of the Board of Directors of Evrotrust Technologies

Prof. Dr. Georgi Dimitrov is a member of the Board of Directors of Evrotrust Technologies, a managing partner at the law firm Dimitrov, Petrov & Co, as well as founder and chairman of the Law and Internet Foundation. Dimitrov is a professor of ICT law, the first with a professor’s degree in this discipline in Bulgaria. He lectures at Sofia University „St. Kliment Ohridski“, UNWE, UniBIT, Plovdiv University „Paisii Hilendarski“ and the University of Veliko Tarnovo. He is currently the regional representative for Bulgaria at ITechLaw, the leading global organization for legal professionals focused on technology and law.

Boyan Byanov
Regional Director for CEE at Raisin

Boyan held various managerial positions in retail banking since 2004, first in Fibank and later in TBI Bank in Bulgaria and Romania. He joined one of the leading Fintech companies in Europe- Raisin two years ago and from 2019 is Regional Director CEE, responsible for the business development and partnerships of Raisin in the region. The Berlin based company is operating a unique and innovative marketplace, democratising the savings and investments market in Europe. Since launch, 6 years ago, the company had raised more than EUR 170 million
equity from leading investors, such as PayPal, Index Ventures and Ribbit Capital. Its more than 180 000 customers have transmitted EUR
13 billion to its 77 bank partners from 24 countries making Raisin one of the leaders in the European wealth tech space. In April 2019 Raisin finalized the acquisition of a German bank.

Filip Genov
Founder and CEO of F27

Filip Genov is a senior banker and fintech professional with 25+ years of international executive experience.
He initiated and created a wide array of financial innovations, new business lines, products and companies in the CEE markets and in Bulgaria.
As founder and CEO of F27, he continues to lead the digital transformation of the financial industry in the Region by both creating innovations and helping the clients implement them.
Filip is also co-founder and leader of Sophia Lab, the national FinTech think tank, as well as co-chair of the Annual FinTech and InsureTech Summit, which is the voice and the gathering forum of the industry in the Region.
Filip is an avid supporter, venture partner, business angel and mentor in the startup community and he also serves on the Board of the Cedar Foundation, which takes care of disadvantaged children and young adults.
Filip holds an MBA from the NYU Stern School of Business, the London School of Economics and HEC Paris.

Christos Ttiniozou
CEO, iSpiral

A leader, mentor, and visionary, Christos is responsible for formulating the strategic vision of iSPIRAL. Christos has an academic and working background in the USA and Cyprus with huge experience and knowledge in the area of AML and Fraud Detection, with a focus on implementing Transaction Monitoring Solutions and Finding Money Laundering and Fraud Anomalies through automation.

Dimitar Popov
Senior Manager, Deloitte Consulting

Director at Deloitte Consulting based in Sofia. Dimitar is the Head of Consulting in Bulgaria and is also responsible for our Operations Transformation and Payments Practice in Central Europe. Dimitar works with clients to define their strategy and transformation approach to improve their core business operations, embrace the digital agenda and maximize operational efficiency. He is also a corporate treasury professional, having advised global clients on the topics of treasury and payments technology.

Panel 3 Club Digital manager. Digital financial services – time for eco-systems!

Hristina Martsenkova
COO at Allianz Bank Bulgaria

Hristina Martsenkova has a master’s degree in Insurance and Social work from the D.A. Tsenov Academy of Economics and Bachelor of Macroeconomics from the University of National and World Economy. She started her career in an IT company as a Product Manager and Quality Management Manager ISO 9001. She joined the team of Allianz Bulgaria in 2002. She started working in the life insurance and agency network and after that she became manager to one of the central sales offices in Sofia. She was transferred to the Operations Division, where she managed a number of projects. From 2013 onwards she was Chief Executive Officer and Member of the Management Board of Allianz Leasing Bulgaria. In 2017 she became Chief Operating Officer of Allianz Bank Bulgaria with IT, Organization and Processes, Back Office Operations, Security and Administrative and Economic Affairs, and since the beginning of 2019 she has been the Executive Officer of Allianz Bank Bulgaria.

George Galtchin
Chief Digital Transformation Officer at TBI Bank

George Galtchin is Chief Digital Transformation Officer at TBI Bank.
He joined TBI in 2018 to lead the Bank’s efforts into becoming a next generation digital lender. He works with cutting edge IT solutions to
accelerate the achievement of TBI Bank’s digitalization goals. He also leads a dedicated team of top talents and manages a variety of projects related to finding and implementing technological solutions and best practices to be employed in the Bank’s structure.

Victor Stoyanov
Head of Remote Services and Digital Channels at UniCredit Bulbank

The professional expertise of Victor Stoyanov is primarily within retail banking. It includes development of digital channels, digital
payments and innovations, product & business development, project & portfolio management, leasing business development, underwriting and
customer segmentations.

Borislav Dikov
Head of Digital Banking Department at Postbank

He has more than 14 years of professional experience in banking sector at different positions in some of the leading and biggest banks in Bulgaria. In Postbank he is in charge of some of the biggest and most important projects regarding creation and development of the modern digital banking channels and implementation of new functionalities. He also has a project management experience related to implementing web and mobile banking applications, instant payments and open banking.
He is passionate about new technologies, innovations, great ideas and financial services of next level.

Nely Yolovska
Head of Sales at BORICA

NELI YOLOVSKA is director “Sales” at BORICA. She joined the Company in 2017. Since 1993 Neli has been part of the largest media group in Bulgaria in the field of Information Technologies – IDG Bulgaria (ICT Media), and for 10 years she has successfully managed the leading IT media in the country – the magazines CIO and PC World, Computerworld newspaper, and others. In 2007, on initiative of ICT Media
and with Neli’s active participation, the CIO Club was founded, as it operates until now. Her experience goes beyond Bulgaria’s borders, as part of the management team of a large software company.

Georgi Robev
Regional Business Director Europe and Central Asia at Software Group

George Robev is leading the business operations of Software Group in Europe and Central Asia. He is technology manager with over 17 years of experience in the IT sector. He has held key leadership positions at companies, such as IBM, SAP and SAS Institute. One of the ideologues behind the creation of the National Center for Supercomputing Applications (Bulgaria), part of the EU initiative PRACE (Partnership for Advanced Computing in Europe).

Georgi Ganev
Commercial Director at IBM Bulgaria

Georgi is responsible for all client facing activities of IBM in Bulgaria, covering IBM’s entire portfolio of products and services. He
support the local community and the local business ecosystem of IBM clients and business partners on their digital transformation journey and innovation development by capitalizing on disruptive technologies including AI, Cloud, Blockchain and Security. During his 16-year career in IBM, Georgi has held a number of positions in sales, business consulting services and finance in IBM Bulgaria.