Participants 2019


Dimitar Popov

Dimitar joined Deloitte Consulting in 2016 and is based in Sofia. He leads Management Consulting 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.

Bent Gjendem

Bent Gjendem is one of the most prominent and well known figures on the Scandinavian fintech sector. He graduates from the prestigious Norwegian School of Economics (NHH) in 1994 with a MSc Economics degree before embarking on a career in the IT sector. His professional experiences starts at Atea – the Scandinavian leader for IT solutions designed for public and private organizations from the financial industry. He then found his own IT consulting company – Karabin – which specializes in finding creative ways to optimize the archaic IT infrastructure of established companies. After three years at Karabin, Gjendem joins Skandiabanken – one of the first digital banks in Europe. He spends 5 years at the bank and works in many different roles. The experience he gains from working on projects which impact the entire process flow of the leading Skandinavian digital bank prepares him for co-founding and becoming the CEO at Monobank, a digital niche consumer lender in November 2015. Under his leadership, it grew to 60 employees and received numerous awards for innovation and employee satisfaction.

Levon Hampartzoumian

Levon Hampartzoumian is a banker with strong experience. He has stood at the head of UniCredit Bulbank since 2001. During 1999-2001 he was Chairman of the Board of Trustees of Sofia University. He is awarded with the Order of the Star of Italian Solidarity (Ordine della Stella della Solidarietà Italiana) and is honoured with the title Commendatore by the President of the Italian Republic Giorgio Napolitano in 2008. In 2007 he was awarded by “Atanas Bourov” Foundation for bank management. Levon Hampartzoumian is also announced “Banker of the year” twice – by Finance Central Europe magazine in 2005 and by Banker weekly in 2007. In 2012 Manager Magazine awarded him the prize “Manager of the year”. Levon Hampartzoumian has a degree in Chemical Engineering and professional experience working for PriceWaterHouse Coopers and Earnst&Young. During 1999-2001 he was consecutively Deputy Minister of Economy and Executive Director of Sofia’s Privatization Agency.

Georgi Zamanov

Georgi Zamanov is Chief Executive Officer of Allianz Bank Bulgaria.
He started his career as a financial analyst in BNB, then worked for UBB, HVB Biochim, and UniCredit Bulbank, where he held management positions on both local and international level. In 2007 he became a member of the Management Board of UniCreditBank – Serbia, where he was responsible for risk management, and then moved to UniCreditBank in Ukraine, where he took over corporate and investment banking.
In January 2016 he joined Allianz Bank Bulgaria team as an Executive Director, and in the beginning of 2017 he became Chief Executive Officer of the Bank. Georgi Zamanov was awarded „Banker of the Year 2018“ for building a relationship of trust with customers and shareholders. He holds 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“.

Sevdalina Vassileva

Mrs. Sevdalina Vassileva joined First Investment Bank AD in 2017 as Director of the Strategic Planning and Development Department. She was subsequently appointed as Executive Director, member of the Management Board of First Investment Bank AD and Chief Retail Banking Officer (CRBO).
The professional experience of Mrs. Vassileva in the banking sphere started in 2007 in Eurobank EFG Bulgaria AD (Postbank) as Director, Consumer Lending and Executive Director of one of the group’s companies. From 2010 to 2016 she was Retail Banking Manager at Alpha Bank – Bulgaria Branch. Her career began in 1998 at Coca – Cola Hellenic Bottling Company Bulgaria AD, where she held various management positions in marketing and sales for 6 years. From 2004 until 2007 she was a member of the management team of United Milk Company EAD. Prior to joining First Investment Bank AD, Sevdalina Vassileva was part of the team of Bella Bulgaria AD, serving as Director of Business Development and Expansion.
Outside her strictly professional duties, in her spare time she mentors entrepreneurs and start-ups, assisting them in the development and realization of their ideas, mainly in the field of new technologies.
Sevdalina Vassileva is the Chair of the Management Board of the Alumni Association of the Faculty of Economics and Business Administration at the Sofia University St. KlimentOhridski, where she works towards improving the professional orientation and training of young people, as well as promoting the contacts and cooperation between the business, academia and institutions.
Mrs. Vassileva has graduated from the Faculty of Economics and Business Administration of Sofia University, with an MBA degree in Management Information Systems. In 1996 she specialized in Marketing and Management at Lund University, Sweden.

Christof De Mil

Member of the Country Team of KBC Group for Bulgaria, Country CFO, Member of the Management Board of UBB, CFO of UBB, 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.

Petr Baron

A dynamic and result-oriented executive, Petr Baron has extensive experience in retail banking with focus on digital transformation and business evolution. An expert in developing strategic lending initiatives, maintaining a reputation built on quality, service, and uncompromising ethics.
Petr Baron started from leading advisory and investment roles and for over 16 years of his professional career held multiple board roles in multinational and local companies in the UK, Russia, Macedonia and later in Ukraine, where he held positions of CEO of VAB Bank and VAB Group, member of TBIF Financial Services B.V. (TBIF), having managed to transform corporate identity and create the first Ukrainian financial supermarket in retail financial services.
From 2012 he held the post of Vice President Strategy for TBIF, being an advisor to the Managing Director on the group’s banking and non-bank operations across CEE, moving on to assisting 4finance Group S.A. in developing its banking strategy and acquisition targets. From 2016 Petr Baron is the CEO of TBIF, the company owner of TBI Bank, and a Member of the Executive Committee of 4finance Group S.A. Petr Baron is the driver of TBI Bank’s strategy to becoming the next generation digital lender and expand into other EU markets.
He has a BSc in Investment and Financial Risk Management from the Cass Business School, UK.

Angel Mateev

Mr. Mateev started his banking career 20 years ago and he held various management positions – Branch Manager, Regional Manager, Head of Small Business Banking. He has a master’s degree in macroeconomics from the Sofia University „St. Kliment Ohridski“.
Currently he is Head of Retail Banking Sector at Postbank. He is in charge for Retail Banking – Branch Network, Banking Small Business, Individual and Wealthy Clients.

Iravan Hira

Iravan Hira is Managing Director of Hewlett Packard Enterprise, operated by Selectium.
Under the leadership of Iravan Hira HP in Bulgaria is the ultimate leader in the IT sector in the country and achieves markets results which take the Bulgarian branch of the company to the leading position in Eastern Europe.
Hira has worked in HP Bulgaria since the establishment of the company in the country in 1998 and has held various sales and management positions. He has special expertise in the field of telecommunications and business management. For high professional successes was honored twice with membership in the „Achievers Club“ of global HP company.
Iravan Hira holds a Master’s degree in Computer Science from the Technical University in Sofia.


Tal Sharon

Tal Sharon is member of the FinTech Summit Advisory Board. A FinTech consultant specializing in analyzing the requirements of corporates and financial institutions in their FinTech transformation process. Tal has been leading hundreds of engagements between FinTech companies and global financial institutions, consulting regulators and government bodies in FinTech transformation and market education, and supporting the growth of FinTech companies. From his wide understanding of the FinTech industry, Tal is constantly orchestrating FinTech events, moderating panels in global FinTech Summits and delivering keynotes. In addition, Tal is a FinTech lecturer in several Academic institutions in Israel and abroad, and one of the curators for the first accredited FinTech course in Israel. Tal has B.A. & LL.B in Accounting and Law, and is a certified Advocate and CPA.

Filip Genov

Filip Genov is co-founder of Sophia Lab. Mr. Genov is a senior banker with 20+ years of executive experience in Bulgaria and numerous other markets, where he initiated and created a wide array of innovations, new business lines, products and companies in the financial services area. His main areas of expertise are strategy, innovations, business development, change and risk management. In 2013 he became the first Eastern European manager to be elected to the Executive Committee of the Factors Chain International, being responsible for the R&D and innovations. In 2003-2006 and in 2012-2014 Filip has been launching and implementing various business development projects and initiatives for UniCredit Group throughout Italy, Germany and the countries of the Central and Eastern Europe. Filip is also an avid supporter, business angel, mentor and investor in startups of young entrepreneurs. He holds an MBA from New York University’s Stern School of Business and the London School of Economics and an UniCredit Executive master from SDA Bocconi.

Radoslav Dimitrov

Radoslav Dimitrov is director of the „Cards and Terminals“ Directorate at BORICA. He started work at the company in 2002 as a system operator. In the period 2005 – 2009 he was an administrator of „Real time and financial servicing system“, where he was responsible for the administration of the BORICA card system. In 2009 he headed the “Card Payments System Administration” department, and in 2016 he was the Head of the “Card Products and Services Development” department. Currently, he manages one of the key directorates in BORICA – „Cards and terminals“. The efforts of his team are focused on the development and implementation of innovative payment solutions. He has a master’s degree in „Telecommunication Management“ from the New Bulgarian University, as well as a number of specializations in the field of card payments.

Eduard Tsvetanov

Eduard Tsvetanov manages Revolut’s communications in Bulgaria and for the time being is the sole local representative for the global fintech. Before joining Revolut, Eduard garnered experience in the UK, Belgium, Brazil and, of course, on home ground. His career in consultancy started at the Brussels office of Burson-Marsteller, where Eduard was crafting and managing communications campaigns targeting European and national institutions alike. He returned to Bulgaria in 2017, and his experience with intensive travelling around the globe is amongst the key reasons he decided to continue his professional development with a company aimed at making personal finance management cheap and easy.

Boyan Byanov

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.

Zlatko Zahariev

Zlatko is an entrepreneur in the area of VDI (Virtual Desktop Infrastructure) and more specific in the area of DAAS (Desktop-As-A-Service). His startup company („Rouster“) is developing a technology providing virtual personal computers in the cloud – indistinguishable from the conventional computers. In addition, „Rouster“ computers are much easier for support, they don’t need upgrades and are cheaper alternative to conventional computers.

Zlatko has more than 15 years of experience in the software development area. In his career, up to now, he founded two technological companies and is technical lead of three other companies.

Lecturer in informatics, fuzzy sets and artificial intelligence at Technical University of Sofia, where he received a master degree in Applied mathematics and a doctoral degree in Informatics(Artificial intelligence).

Firmly believes in innovations not as a revolutionary event rather than as an evolutionary process, way of thinking and working attitude.

Vladimir Tasev

He is developing financial software since 2012. He is working in the first broker which provides CFD instruments on the Bulgarian market. Also he is owner and developer in Softador EOOD where he develops ERP and blockchain applications. He started developing decentralised blockchain applications in 2016. He is international speaker for blockchain and other technologies. One of the biggest projects he is working on is a blockchain based backoffice software for banks


Petko Rangelov

Associate Partner in McKinsey’s Middle East office, leads McKinsey’s Digital Services practice in the Middle East.
Works with financial institutions across Europe, Middle East, and South East Asia in the areas of digital strategy, digital transformation and business building, agile, customer journey

Teodora Petkova

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 has years of experience as part of the Board of Directors of UniCredit Factoring EAD. Teodora Patkova 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.

Peter Andronov

Peter Andronov is chairman of the Management board and CEO of United Bulgarian Bank after the acquisition of UBB by the Belgian finance group KBC Group in June 2017. His career in KBC Group starts in July 2007, when appointed for an executive director of CIBANK. In March 2008 hе became Chief Executive Officer (CEO) and since March 2011 he has been Country Manager of KBC Group for Bulgaria.
The professional experience of Peter Andronov includes a number of positions in the private banking sector and the Bulgarian National Bank. From 2002 until May 2007 he headed the Banking Supervision Department at the BNB. From 2003 until May 2007 he was a member of the Management Board of the Reserve Guarantee Fund. He has been involved in the elaboration of the currently effective legislation framework on bank supervision in Bulgaria, incl. the Credit Institutions’ Act, the Supplementary Supervision of Financial Conglomerates Act, the BNB’s supervisory ordinances, instructions etc. Peter Andronov is also a member of the BNB’s Investment Committee.
In the period 2005 – 2007 Peter Andronov was an observer and member of the European Banking Committee (EBC) and the Committee of European Banking Supervisors (CEBS) at the European Commission. In the same time he was an observer and member of the Banking Supervision Committee (BSC) at the European Central Bank.
Since 2008 Peter Andronov has also been a member of the Management Board of the Association of Banks in Bulgaria and its representative in the Banking Supervision Committee at the European Banking Federation. In 2015 he was announced a Chairman of the Association, and in March 2018 he was reelected for the position.
Peter Andronov has a Master’s degree in Finance and Banking from the University of National and World Economy in Sofia (UNWE). Since 1995 he has lectured on Introduction to Finance and Banking Regulation at the UNWE, at the Higher School of Insurance and Finance and at the New Bulgarian University /International Banking Institute.
He is fluent in English, German and Russian.

Petia Dimitrova

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, in 2016 Postbank acquired and integrated for a record time the operations of Alpha Bank – Bulgaria Branch, which has been yet another step in consolidating its position as a systemic for the market bank and in expanding its customer base. Mrs. Dimitrova began her career in 1996 at the Consular Department of the US Embassy. Then, in 1998-2003, she worked at PricewaterhouseCoopers as Senior Manager and Senior Auditor.

She is a chartered accountant, qualified ACCA member of the Association of Chartered Certified Accountants (ACCA) in London, UK. Mrs. Dimitrova has an Executive MBA in General Management from the University of Sheffield, UK and holds two Master Degrees in Finance and Banking and Tourism from the University of National and World Economy and Sofia University St. Kliment Ohridski. In addition, she is a graduate of ALBA Leadership Development Program, Harvard; holds a Certificate of Merit from Georgetown University Leadership Seminar, Washington D.C. and graduated Management and Social Development of NGOs at the Aristotle University of Thessaloniki and University of Macedonia, Greece. Mrs. Dimitrova has acquired her professional qualifications in UK, Greece, Holland, Belgium, USA and Bulgaria, and has participated in various prestigious international trainings, seminars and conferences.

Mrs. Dimitrova is a Member of the Management Boards of the Association of Banks in Bulgaria, “Atanas Bourov“ Foundation, “Borica“ AD, Endeavor Bulgaria Association, the International Banking Institute, the University Council of the American University in Bulgaria, as well as  Member of the Industrial Advisory Board – CITY College, International Faculty of the University of Sheffield. She also is a Member of the Young Presidents’ Organization (YPO), Member of the Young Global Leaders Forum, part of the World Economic Forum, Member of the Gerson Lehrman Group Accounting Council London, UK, Fellow Member of the Chartered Management Institute, UK and Cofounder of the Public Council of Women in Business. She has received numerous national and international awards.

Tzvetelina Borislavova

Tzvetelina Borislavova is a majority shareholder /61%/ and Chairwoman of the Supervisory Board of Bulgarian American Credit Bank AD /BACB AD/ since 2011.
In the period 2001-2010 Tsvetelina Borislavova is a shareholder and Chairwoman of the Supervisory Board of CIBANK AD.
Founder, owner and chairwoman of the Board of Directors of CSIF AD since 2005. The Holding is a private investment company with a wide range of activities, covering banking and financial services, fright-forwarding, agriculture, tourism, energy production from renewable energy sources, as well as investments in innovative technologies and environmentally friendly projects. The company’s consolidated assets are worth over € 1 billion; the registered capital – EUR 170 million, and the company’s revenues reach EUR 25 million per year.
Tsvetelina Borislavova is the founder and chairwoman of the Credo Bonum Foundation, Global Bulgaria Initiative, Digitization and Implementation of New Technologies, Tipping Point – non-governmental organizations, established in the period 2002-2018.
Social activities of Ms. Borislavova are devoted to initiatives related to environmental protection, cultural heritage rehabilitation, education, the future of the economy and sustainable development.
She is member of the Managing Board of Oxford Club; Since 2012 she is member of the Advisory Board of the Clean Energy Investment Initiative, part of the Cambridge Sustainable Leadership Program. She is the founder and chairwoman of the Global Bulgaria Initiative, a non-profit organization set up on November 12, 2002.
Since 2006, Ms. Borislavova is an Honorary Council of Iceland in Bulgaria.
Tzvetelina Borislavova holds a Master Degree in International Economic Affairs, Master Degree in Spanish Philology and English Philology. She has specialized Philosophy and Western Languages in Bucharest and Madrid.

Diana Miteva

After graduating the English Language School in Plovdiv, Mrs. Miteva continued her education at the University of National and World Economy, where she obtained a Master’s Degree in Macroeconomics (1989). She is fluent in English and speaks Russian.
Since October 2003 Mrs. Miteva has been a member of the Management Board and Executive Director of DSK Bank. She started her banking career at Xios Bank (1993-1994), continued later at ING Bank, Sofia Branch as Director of Financial Control and Deputy Executive Director (1994-1999) and joined the team of Demirbank-Bulgaria AD as Director of Financial Control and Senior Manager of Marketing, Credit and Business Development (1999-2002). At Demirbank Bulgaria AD she became a member of the Management Board and an Executive Director (January 2002-2003).
In November 2011, Mrs. Diana Miteva was awarded the prestigious Hungarian award „Andras Fai“ as recognition of her successful work and results in the implementation and promotion of DSK Bank’s Private Banking project. At the end of January 2014 Mrs. Miteva was presented with the 2013 Atanas Burov Award for Banking Management.

Miroslav Vichev

Miroslav Vichev is a Chief Executive Officer of the payment and card operator BORICA. He has over 25 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 and a consultant to the BNB in relation to the RINGS system, 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 of the CEO of OTP Bank (Hungary) and Chief Information Manager of the banking group. Mr. Vichev is a former graduate of the Technical University of Sofia.

Kalin Radev

Kalin Radev has over 20-years of experience in the field of information and communication technologies at the banking sector, occupying managerial positions at business consulting and IT implementations area for corporate and non-governmental organizations in Europe, Asia, Africa and the Pacific region. Some of the most popular customers that Mr. Radev has worked for are USAID, World Council of Credit Unions (WOCCU), World Bank, Opportunity International, etc. He established Software Group BG in 2009 г. and since then he is executive director of the company, which is specialized in in the area of alternative delivery channels for financial services. At the moment Software Group BG has global presence in six continents and its portfolio includes projects for over 150 customers in 60 countries, as among the most famous are Bill and Melinda Gates Foundation, IFC, Bank of South Pacific, etc.

Vanya Manova

MasterCard’s manager for Bulgaria and Macedonia.
Ms Manova joined MasterCard in 2008 as Relationship Manager. In recent years she headed the subsidiary in Bulgaria and helps MasterCard’s positioning as a strategic partner of key customers, non-traditional partners and local government institutions and regulatory authorities. Ms Manova launched and work for the growth of contactless payments in Bulgaria and Macedonia, an area where MasterCard is the undisputed leader in both markets.
Vanya Manova worked in the banking industry for 20 years. It began in 1995 as a system administrator at the Bulgarian-Russian Investment Bank (current CIBank). Before joining MasterCard, she was Director „Bank cards“ in DZI Bank (later merged with Postbank). She graduated from the Sofia High School of Mathematics (SMG) and holds a Master’s degree in Computer Science from the „Technical University“ in Sofia. Vanya has three children.


Ivaylo Alexandrov

Ivaylo Alexandrov is a Sales Leader for IBM Infrastructure Services in South East Europe managing the regional sales teams in driving them to provide the best service for the clients. During his 15 year career in IBM, Ivo has held а number of management positions in sales, technical and services ecosystem in Bulgaria and South East Europe region.
He is an experienced services leader skilled in Digital Banking, Business Process Automation, X as a Service, IT Service Management, and IT Strategy. Ivaylo is a graduate from the University of Warwick – Warwick Business School.

Stavros Tamvakakis

Integrating deep analytical thinking and fresh strategic understanding, Stavros Tamvakakis is Praxia bank’s Chief Strategy Officer. He is also a member of the Bank’s Executive Committee. In spite of being a young professional, he has already garnered valuable experience in the international workplace.

Prior to joining Praxia bank, Stavros spent 3 years in the UK, initially as an Analyst in Merrill Lynch’s Complex FX Options Structuring & Marketing Group (2007-2008) and as an Associate in Global Markets (2008-2010). He then moved on to join the Boston Consulting Group (2013-2018), where he remained for five years focusing on driving strategy and transformation projects in both Europe and US regions.

Ηe graduated from Brown University with a BSc in Applied Mathematics-Economics and thereafter from Harvard Business School, with an Masters in Business Administration.

Nikolay Spasov

The main pillars on which Nikolay Spasov builds his career are focus on continuous improvement, maintenance of a successful team and constant achievement of the set goals. In TBI Bank, he is responsible for key projects, such as the implementation of our main banking system, digitalization, as well as the overall improvement of our corporate environment.
Nikolay’s development in the banking sector started more than 16 year ago in Eurobank Group and continued in Alpha Bank Group. More than ten years of his career so far were in managerial positions in the field of Credit cards, Retail Banking, Project Management and IT.
The projects he developed during the years received several international and local prizes, such as gold and bronze Stevie Awards and leading positions in the Bulgarian web society awards. Most recently Nikolay’s team at TBI Bank received the IT project of the Year award by ICT Media аnd secured a top 3 spot in the Significant Corporate IT Projects category of the at the BAIT Awards.
Nikolay holds an MA in Bank Management, while prior to that he completed an MA in Humanities.

Daniel Aleksiev

Daniel Aleksiev is Head of Digital Banking and Innovation Department at Raiffeisenbank (Bulgaria), where he has been working for 13 years. He is responsible for the digital strategy of the bank, the management of the digital channels – Internet and Mobile banking, implementation of innovations and cooperation with fintech and startups. Daniel has a Master’s degree in Statistics and Financial Econometrics at the Sofia University „St. Kliment Ohridski „.

Julian Vlahov

Julian Vlahov is head of Alternative Channels for Distribution at UniCredit Bulbank. Julian hold a several managerial positions in Retail Bankingin UniCredit Bulbank. Now, he is responsible for the development of digital architecture and the implemention of new processes and technologies in the bank. He holds a Master’s degree from Sofia University, „St. Kliment Ohridski“.

Vasil Dimitrov

Vasil Dimitrov, DSK Bank, Head of Digital Transformation Project. He has near 20 years’ experience in the banking industry, large part of which in the field of implementation of systems and business processes related to card payments. Mr. Dimitrov has managed the team responsible for the development of DSK Bank’s digital channels for 10 years. In the last year he has been managing the team, which coordinates the digital transformation and optimization across different retail banking processes, including physical channels, lending processes, etc., as well as all other bank units’ involvement with such processes.

Ivan Ivanov

Ivan Ivanov is director Retail Banking at BACB. He has 15 years of banking experience in the fields of Retail banking, lending, sales, process management, management of branch network and HR. Until December 2018 he was taking the position Head of Retail banking in Allianz Bank Bulgaria, before joining the team of Bulgarian-American credit bank. Recently he is responsible for business development, sales to retail and micro-enterprise customers, products, branch network, commodity and express loans lending of BACB and he is part of the Credit Committee of the bank.
Mr. Ivanov has Bachelor degree in Finance from the University of Economics – Varna, Masters degree in International Economics from Veliko Tarnovo University and Executive MBA from Cotrugli Business School /Zagreb/.

Lachezar Venkov

Director, Digital Banking Department at Fibank (First Investment Bank).
Mr. Lachezar Venkov graduated from the Technical University in Sofia and immediately afterwards began work at Fibank. For over 11 years now, his professional career has been devoted to the development of digital banking, with an accent on innovation and customer-oriented products and services.
His most notable projects include:
-Optimization of Fibank’s digital banking platform;
-Mobile application for active banking;
-The first NFC-enabled digital bank card launched in Bulgaria;
-Software token.
His future plans are focused on improving customer experience through the development of Open Banking platforms and solutions, UX (User Experience) and UI (User interface) for remote banking users.

Ivo Vasilev

Ivo Vasilev is a founder and CEO of Reloyalty – a startup that turnsevery bank card in Europe into a personalised loyalty card via Openbanking / PSD2. He has previously worked in various technologycompanies such as Groupon, cofounded startups focusing on the SMBmarket as well as has ben part of the investment teams of two seedstage venture capital funds. Before returning to Bulgaria, Ivo spenttime working and living in London, Sydney, New York, Barcelona andBuenos Aires. In 2014 he has been featured as one of the mostpromising talents in business and technology by Forbes in their annual 30 under 30 list for Bulgaria.