Consumer habits and preferences change daily – but keeping ahead of their latest wants can not only help issuers and merchants be the brand of choice, it can also help reduce operational costs and chargebacks.

Join Ethoca’s Eva-Maria Baumer, VP, Specialist Sales, and Nikolay Nikolov, Card Projects Manager at Central Cooperative Bank PLC, to explore new industry research that outlines the key features consumers want – like digital receipts and subscription management – and how businesses can leverage these to drive greater levels of engagement.

This session will also look at the digital habits of consumers across the UK, Germany and North America. All attendees will receive a copy of the new 2023 Digital Field Guide mentioned during the webinar.
  • The state of the digital landscape and how consumers are using technology to connect with issuers and merchants.
  • The experience consumers want the most and why.
  • Practical tips for businesses on how they can leverage these insights for their own digital engagement strategies.
Eva -Maria Baumer
VP Specialist Sales, Ethoca, EU & MEA
Eva-Maria is responsible for the overall leadership of Ethoca’s business across Europe, the Middle East and Africa, providing strategic go-to-market direction to meet key financial and operational business goals.

Eva-Maria joined Mastercard in 2013 as part of the Strategy & Operations team, focusing on identifying and executing investment and M&A opportunities. In 2016, she joined the Enterprise Partnerships team to help drive strategic partner relationships before working with Mastercard’s Executive Vice Chair as Chief of Staff. Prior to Mastercard, Eva-Maria worked at Sparkasse, Germany’s largest savings bank, and Rolls-Royce Motor Cars.

She is also a founding member of OPUS, an organization designed to connect and prepare the next generation of young leaders. Eva holds a Master of Management degree from the London Business School.
Nikolay Nikolov
Card Projects Manager at Central Cooperative Bank PLC
My name is Nikolay Nikolov and am currently holding the position of Manager Card Implementation Dept. at the Central Cooperative Bank PLC.
I have experience of around 25 years in the banks, having gone through issuing and processing bank payment and financial instruments, card projects implementation and risk management.
I also have 3 years at the Bulgarian Financial Conduct Authority.
Melisande Mual
Publisher and Managing Director at The Paypers
Mélisande Mual is the publisher and owner of The Paypers, the global leading source of news and intelligence for professionals in payments, fintech and digital commerce. Prior to The Paypers, Mélisande held several leadership positions in leading B2B Publisher (Wolters Kluwer) and Telecom (KPN) companies.
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