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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. и едва 28% в защита и управление на данните, сочи докладът.
  • 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. пред конкуренцията на стратегически партньорства на световните картови гиганти и новите приложения за разплащане на технологичните компании например Apple Pay
    Google Pay. Kакво се случва на родния пазар?

  • Organizing events to raise awareness to end-users, to share knowledge with professionals, to coach managers, demonstrate new solutions and opportunities. върху разплащанията събития разкриват отблизо новите решения именно в тази изключително важна сфера, обучават публиката в сигурността на разплащанията, което ще допринесе за стимулирането на по-приятно изживяване за клиента в среда на коучинг за мениджъри и експерти, уъркшопи, работилници за новите решения и възможности

“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. за сигурни и достъпни онлайн плащания е първото хибридно събитие във финансовия сектор тази година.

На 1 октомври на живо в Capital Fort се включиха 40 експерти в сферата на плащанията, банковия и финтех сектор, финансовите услуги. Онлайн участваха близо 110 души.

Над 50% са удовлетворени от събитието и над 80% биха се включили и в следващото издание.

Благодарим на нашите партньори IBS, SAS, Paysafe, Amatas, Chateau Botevo за доверието.

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.


Constantin (1)

Constantin von Altrock, IBM

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

Topic: “Future Payments Fraud Prevention”

Marcin Nadolny

Marcin Nadolny

Head of EMEA Banking & Insurance Fraud, SAS InstituteБанкови и застрахователни измами“, ЕМЕА SAS Институт

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

Andreas Kitsios

Fraud Practice Leader for SAS Greece and Eastern Europe

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

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”


Goran Angelov

Founder and CEO of IBS Bulgaria


Dimitar Popov

Director Consulting Deloitte


Topic: “Future Payments Fraud Prevention”

Vasil Bakalov

Vasil Bakalov

Senior Risk Systems Business Consultant in IBS Bulgaria

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

Marin Delchev

Marin Delchev

Senior Machine Learning Engineer, Paysafe

Topic:"Fighting fraud with Graphs and Machine Learning

Boris Goncharov

Boris Goncharov

CEO, Amatas

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

Filip Mutafis

Filip Mutafis

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

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

Vladislav Venev

Vladislav Venev

Information Security Manager at PPD

Svetlin Dobrev

Cofounder of NOTO

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

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"

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.

Pavel Kaminsky

Pavel Kaminsky

Information Security expert, 7Security

Topic: “PCI DSS Certification doesn't Exist"

Ivan Hadjov2

Ivan Hadjov

Business Development Manager, Mastercard

Topic: „Цифрова идентичност-изграждане на доверие в цифровия свят“

Nayden Marechkov

Nayden Marechkov

Product Development Director, MastercardРазвитие на продукти“, Mastercard

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

Свeтлин Наков

Dr. Svetlin Nakov

inspiration manager at SoftUni

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

The Edition 2020


Gold 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. 

ACFE е най-голямата световна организация за борба с измамите и водещ доставчик на обучение и образование за борба с измамите.

Instant 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