FinTech in Europe and Malta: The trends and a regulatory perspective

In collaboration with:

Session Outline

Financial technology or “FinTech” has seen remarkable growth over the past few years. What was once considered a complex way of managing finance is now used by millions of people globally. FinTechs have expanded in size, scope and sophistication. No longer merely insurgents, FinTechs have become major competitors, often with a pan-European or global reach.

Traditional banks, insurers and asset managers aren’t sitting still in the face of such competition. Recognising the powerful role FinTechs can play in improving customer experiences, they have stepped up development of their own FinTech propositions. They have also partnered with FinTechs in ecosystems.

Join us to explore:

  • How FinTech is being adopted by consumers, businesses and incumbent financial services players
  • Key trends expected over the coming years
  • The legal and regulatory approach – EU commission
  • The local scenario – Are consumers, businesses and financial services players ready for the next evolution?

Registration details

This is a free event, click on Register to confirm your place. 


Christopher Schmitz | Partner, EY EMEIA Fintech Leader, EMEIA Strategy and Transactions Innovation Leader and EMEIA Financial Services Innovation Leader 

Chris has more than 20 years of experience in strategy consulting and transaction advisory in Financial Services, including Booz & Company, Deutsche Bank and IBM. He works with Fintechs and investors from idea to exit and with corporates in digital platform and ecosystem building for banks, asset managers and insurers.

He is the EY member in the TechQuartier Steering Committee (Frankfurt based Fintech ecosystem), EY’s representative in the Cologne based insurlab insurtech ecosystem and is the curator of EY Start-up Academy, EY’s Frankfurt based start-up accelerator program. Chris frequently publishes and holds conference speeches on open banking, platform economy and digital ecosystems in Financial Services. He is a lecturer at Frankfurt School of Finance for FinTech and M&A and a member of Silicon Valley Bank’s non-executive advisory board.

Ludmila Andreeva | Policy Officer in the Digital Finance Unit in the European Commission's Directorate General for Financial Stability, Financial Services and Capital Markets Union (DG FISMA)

Prior to her current role, she was working in the Banking Unit, directly involved in developing the Banking Union and other key projects in financial services aiming at restoring financial stability since the crisis. She was also working in the Directorate General for Research, Development and Innovation dealing with financial management for international projects. Before joining the Commission, she had worked in the public sector as a diplomat in NATO and in the bilateral Embassy of Bulgaria to Belgium and Luxembourg as an Economic and Policy Officer, as well as a Project officer in the Ministry of Regional Affairs and Transport.  She had also several positions in the private sector in a leading FMCG company and in a biotech start-up in Sofia, Brussels and Geneva. She is holding an MBA degree from Solvay Business School.

Helene Panzarino | Associate Director with the Centre for Digital Banking and Finance in LIBF

An experienced FinTech Programme Director, exited entrepreneur, educator and author. Her career boasts a number of ‘firsts’, including the creation of the FinTech Scale Colab Programme for Rainmaking, the Inaugural Programme of Education and Events for Innovate Finance, the FinTech on the Entrepreneurship Masters’ for UCL. Board and advisory roles include the Spanish digital identity scale up, Biid, the UK safeguarding RegTech, Kalgera, and the SME payments company, TomatoPay.  Helene was named on the Computer Weekly 100 Women in Tech Award, the Innovate Finance Women in FinTech Power List, and the Fintech Magazine 100 Women in Fintech list. She was also part of the FCA 2020 Data Sprint on SME Lending, and the recipient of the FT/Google Digital Pioneer Award. Her new book ‘Reinventing Banking & Finance: Frameworks to navigate global fintech innovation’ (Kogan) came out in November 2020, and was named the number one banking book for 2021 by Investopedia.


Theo Dix | Senior Manager with EY-Parthenon, Malta Strategy Consulting Leader 

Theo is an experienced consulting professional, leading EY-Parthenon (the strategy consulting arm of EY) in Malta, where he helps corporate and public sector clients develop actionable strategies that maximise the opportunities ahead. Theo has led various projects in the digital sphere and is passionate about identifying growth, transformation, value creation and new business model opportunities in a digital world. He was seconded to EY's EMEIA FinTech Strategy team in London in 2016 and represents Malta in EY's EMEIA Fintech Network. He is also a member of a the newly formed Malta Financial Services Council Committee for FinTech and AI.  


Webinar: FinTech in Europe and Malta: The trends and a regulatory perspective

Time your local time