CrossTech Magazine - B2B Payments is The New Frontier (13th Edition May 2023)

Executive Spotlight:

ASHLEY

MALLETT Head of B2B Division,

Paysend

Around the Globe: Priscilla D’Oliveira Friedman CrossTech, COO

Industry Leader:

Alberto Guerra UniTeller, CEO

Industry Innovator: Hebert Hernández Bantrab, CEO

Coming Out: Jennifer Holguín CrossTech, Lead Consultant

B2B PAYMENTS IS THE NEW FRONTIER

Inside Job: Arina Anapolskaya CashQ, Co-Founder & COO

To Keep in Mind: CrossTech

13th edition

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EDITOR’S LETTER

Hugo Cuevas-Mohr is the founder of CrossTech, and The Platinum Network, Inc (PNET).

The company that developed and manages the IMTC Conferences, founded in 2010 and Mohr World Consulting (MWC), founded in 2001.

Welcome to the CrossTech Payments 2023 Magazine Edition. We could not have done this with out the support of all our partners, sponsors and exhibitors.

We are so excited to bring together our industry leaders with incredible discussions, panels, workshops and we can't forget, networking!

In this edition, you can expect insights from our industry's leading organizations like UniTeller, Bantrab, Paysend, CashQ, and many more.

One benefit of our industry is the close ties between companies and people that open the door to a wide range of opportunities, giving birth to many solutions and, above all, connecting and improving the lives of families in all senses.

We also want to mention the importance to remember the intimacy of our events and the platform that it becomes to leverage your company, your goals and your future projects in 2023. Let the networking begin!

HUGO CUEVAS-MOHR CEO, CrossTech

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BUY YOUR BOOK

COMPRE AHORA!

ENVIANDO DINERO

CAMBIO, REMESAS, MIGRACIÓN Y LA REVOLUCIÓN FINTECH La Evolución de la Industria de Servicios Financieros Internacionales.

Esta obra compendia los conocimientos y experiencias de Hugo Cuevas-Mohr - Especialista en Transferencias de Dinero en torno a la provision de servicios financieros internacionales y las tendencias tecnologicas que permitieron su fortalecimiento y evolución.

En sus paginas se cuenta, con decenas de testimonios de los emprendedores que hicieron posible esta industria, la crónica de visionarios que han hecho posible le envio de dinero de migrantes a sus familias y su contribución a la actual revolución fintech.

MAY 2023

AROUND THE GLOBE PRISCILLA D’OLIVEIRA FRIEDMAN Page 10

EXECUTIVE SPOTLIGHT Ashley Mallett Head of B2B Division Paysend

INDUSTRY LEADER ALBERTO GUERRA Page 12

Page 8

INDUSTRY INNOVATOR HERBERT HERNÁNDEZ Page 18 COMING OUT JENNIFER HOLGUÍN Page 24 INSIDE THE JOB ARINA ANAPOLSKAYA Page 26

TO KEEP IN MIND CROSSTECH Page 28

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ASHLEY MALLET - EXECUTIVE SPOTLIGHT Ashley Mallett joined Paysend in January 2021 and leads the delivery and execution of Paysend’s B2B and Enterprise product suites, overseeing revenue and customer acquisition targets. He manages multiple teams under each division, including Product, Sales, Marketing, and Operations.

With over 15 years of experience in financial services, he formerly led sales and business development teams at Geoswift and Western Union, building market strategy and developing and implementing new products.

PRISCILLA D’OLIVEIRA FRIEDMAN - AROUND THE GLOBE Priscilla D’Oliveira Friedman is a senior executive with an extensive background in developing strategies in the payment industry, call center management, and strategy process improvement. Her career started at American Express in 2001 where she led teams across LATAM, US, and Europe. In October 2021, she joined CrossTech formerly known as IMTC/Mohr World Consulting as Chief Operating Officer.

ALBERTO GUERRA - INDUSTRY LEADER Alberto Guerra, CEO of UniTeller Financial Services, a subsidiary of Grupo Financiero Banorte, one of the largest Financial Groups in Latin America and the second-largest in Mexico, began his career with Banorte. During his tenure in Banorte, he held different positions in International Banking, Corporate, and Investment Banking. Alberto was part of Banorte’s M&A and Structured Finance Group that executed GF Banorte’s expansion into the U.S., which resulted in the acquisition of Inter National Bank, a National Chartered Bank in 2006, and UniTeller in 2007. In March of 2007, Alberto became the President & CEO of UniTeller Financial Services.

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HERBERT HERNÁNDEZ - INDUSTRY INNOVATOR Herbert Hernández has more than 25 years of banking experience in Guatemala and the United States, he is a Business Administrator with Masters in Business and Marketing and a certification in Strategic Management of Innovation and Digital Transformation. An expert in designing and executing commercial strategies and channels. He has a superior ability to innovate and manage changes. He has experience in strengthening new markets and implementing corporate projects, as well as leading and developing comercial teams. He has been a panelist and national and international speaker on issues of banking, family remittances, digital and commercial channels. He joined Bantrab in October 2017, with the purpose of modernizing and restructuring the business area.

JENNIFER HOLGUÍN - COMING OUT Jennifer Holguin is a lead consultant with a finance, sales, and marketing background. Jennifer started her career in the banking industry in 2010 with solid experience in business development in LATAM and US market. Since June 2020, Jennifer is the consulting lead for CROSSTECH CONSULTANTS where she manages partner consultancy firms as well as partner companies.

ARINA ANAPOLSKAYA - INSIDE THE JOB Arina Anapolskaya is the Co-Founder & COO of CashQ embedded cross-border payment platform for banks and neobanks. CashQ instant cross-border payment network covers 120+ countries with multiple rails, including traditional bank accounts, neobanks, cards, mobile money providers, and electronic wallets.

CROSSTECH - TO KEEP IN MIND CrossTech offers a range of services and solutions to support businesses in the payment processing industry. With international conferences, businesses can participate in high-impact networking and listen to the best speakers and companies in the field. Our consultants provide in-depth research consultancies to help businesses gain qualitative and quantitative insights and reports to improve their efficiency. Our magazine provides up-to-date news and trends in the remittance payment sector, keeping our readers informed about the latest developments in the industry. Our community appconnects over 8,000 members of our network, allowing them to publish their opinions, receive newsletters, and network digitally. Finally, our awards program recognizes the best companies or individuals in the payment processing industry, providing recognition and prestige to the winners.

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EXECUTIVE SPOTLIGHT

As we continue our rapid expansion, our focus is on enhancing our capabilities in the Americas to meet the increasing demand for seamless, fast, and cost-effective cross-border payments.

As part of this strategy, we are happy to announce that starting this month, the Paysend Business platform will be available in the United States to offer instant and reliable cross-border payments to small and medium-sized enterprises (SMEs). With its intuitive interface and powerful features, Paysend Business makes it easy for SMEs to manage their finances across borders. Businesses can receive, spend, and exchange money in over 30 currencies, without worrying about hidden fees or complicated exchange rates.

Ashley Mallett Head of B2B Division, Paysend

There are many digital payment providers out there, what sets Paysend apart from its competitors, and how do you plan to stay ahead of the curve?

Paysend has expanded rapidly in the last few years, what is your vision for the future of the company, and what markets are you hoping to penetrate?

What sets Paysend apart from its competitors is our unique approach to providing simple, secure, and affordable money transfers across borders. With Paysend, customers can send money to over 170 countries worldwide directly to Visa, Mastercard, China Union Pay and to our own global network of banks, international and local payment systems. Our proprietary technology allows us to offer competitive

Paysend is the next-generation payment platform enabling customers and businesses all around the world to pay, hold and send money online anywhere, anyhow and in any currency. Our mission is to develop the next generation of integrated global payment ecosystem to help people and businesses around the world save time and money.

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This cutting-edge proprietary tech stack is a testament to Paysend's commitment towards innovation and continuous development to provide unparalleled services to its customers. By leveraging our own technology and continuously enhancing our platform, we can offer our customers seamless and efficient solutions tailored for their needs while staying ahead of the competition.

exchange rates with low fees while ensuring that transactions are completed within minutes rather than days.

Additionally, our user-friendly platform makes it easy for customers to send money internationally without any hassle.

To stay ahead of the curve, we continuously invest in research and development to enhance our product offerings and explore new technologies that can improve the overall customer experience. We also closely monitor industry trends and collaborate with strategic partners who share our vision of revolutionizing the digital payments landscape.

Ultimately, Paysend's priority is always focused on delivering an exceptional experience for our customers by providing innovative products that cater directly to their needs while maintaining transparency throughout every step of the process.

In a rapidly changing technological landscape, how do you ensure that Paysend remains at the forefront of innovation and continues to provide the best possible experience for your customers?

To remain at the forefront of innovation in this rapidly changing technological landscape, we have established a dedicated team of experts who are committed to exploring cutting-edge solutions in areas such as blockchain technology, artificial intelligence (AI), big data analytics, and cybersecurity.

Additionally, our brand-new business platform, was designed and built in house to cater the unique requirements of our business customers.

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B2B IS THE NEW FUTURE FOR CROSS-BORDER DIGITAL PAYMENT COMPANIES AROUND THE GLOBE Priscilla D’Oliveira Friedman CrossTech COO

Business payments has transformed how payment companies around the world are positioning their new business model to provide digital services and facilitate the flow of funds internationally.

By connecting businesses and communities with partners and suppliers worldwide, these products and services help create a more dynamic and diverse business ecosystem. This will allow businesses and communities to tap into a wider range of skills, knowledge, and resources to boost their capacity to innovate, grow, and thrive.

Accordingly, to the last report from Deloitte, the global B2B Payment Market is valued at USD 994 Billion in 2022 and is projected to reach USD 2146 Billion by 2030 at a CAGR of 10%.

These figures show a largely untapped opportunity for payment companies.

Looking ahead, the future of B2B cross-border products and services is very promising.

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As the global economy becomes increasingly interconnected, the demand for these products and services will likely continue to grow. Moreover, the ongoing evolution of technology and data analytics is opening new possibilities for more efficient and effective cross-border payments, further enhancing the potential impact of B2B cross-border products and services.

Mid-market and enterprise-level companies can now leverage B2B digital payments to support their growth.

The reason why we decided to host our new conference this year with the theme of B2B is because of this disruption and the new trend in the market.

Some of the companies joined us to explain the state of the market along with new ways of doing business such as Uniteller, Payoneer, Paysend, and Nium have taken the new business opportunity and position themselves as leaders of the market.

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INDUSTRY LEADER

Alberto Guerra UniTeller CEO

What do you see as the biggest challenges facing the cross-border payments industry in the next 5-10 years?

There are still some inefficiencies in the cross-border payments space that need to be addressed. Technologies and products like cryptocurrencies and blockchain are promising but have failed to make an impact, at least for now.

Although some countries have embraced cryptocurrencies and have established clear regulatory frameworks for their use, others have been cautious by imposing restrictions or bans altogether.

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As new technologies emerge, it will be important to ensure they can work seamlessly with existing payment systems to provide secure and cost-effective cross-border payment solutions for individuals and businesses.

With the world becoming increasingly interconnected each day, there's a growing need for efficiency in the industry to facilitate real-time, low-cost, and transparent cross-border payments.

Cross-border payments have a significant impact on our global economy, and partnerships among entities such as Banks, Payment Processors, Corporations, and Fintechs play an important role.

Lastly, the regulatory landscape for cross-border payments is constantly changing. It will continue to be challenging, costly, and time-consuming for businesses to keep up with the evolving requirements. Settlement costs, liquidity issues, and financial inclusion also pose significant challenges that affect these efficiencies.

Such partnerships will continue to facilitate how cross-border payment transactions are paid and collected, not only for individuals but also for businesses and between them.

Therefore, partnerships and interoperability between different, new, and existing technologies are crucial for the development and growth of the industry.

How has UniTeller adapted to the changing landscape of cross-border payments in recent years?

Digital Capabilities: We invested considerably in improving our Digital Capabilities not only for the consumers but also by offering them to our business partners who can leverage our technology and licensing to serve their customer base.

10 years ago, we envisioned the potential factors and changes that would allow us to play a positive role in the industry. Based on that analysis, we then decided to invest primarily in the following areas:

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Strengthen our compliance function: We not only take compliance very seriously, but we also believe that it may be a key differentiator that brings added value to the table. Businesses that demonstrate a strong commitment to compliance can build trust with their clients and partners, which can lead to increased loyalty and long-term success.

However, having a global presence is easier said than done. It goes far beyond just having a global footprint.

It’s about having a global footprint with local capabilities.

Business Payments: The efficiencies that we witness in the P2P payments arena should be leveraged for business payments as well. In fact, there are significant opportunities to improve business payments using P2P channels and technologies.

AI and data analytics: Proper and active use of AI and data analytics brings significant value as these technologies help identify trends, optimize processes, and improve decision-making.

UniTeller has already seen the benefits of these technologies, and we still see a lot more potential in the near future.

It is because of all these efforts and investments that have helped transform the capabilities of UniTeller into one of the top 100 Companies in cross-border payments by FXC Intelligence. Being ranked at this level is a testament to our commitment as we continue to deliver value to our clients and business partners.

Global Reach: We believe that niche regional players will find it challenging to compete with global providers.

How does UniTeller differentiate itself from other players in the cross-border payments industry?

We are a solution provider for all types of companies. We are not just a network aggregator providing a regional network. We provide a full umbrella of solutions and a global network not just for P2P remittance payments but for all types of cross-border payment needs.

From licensing, compliance, settlement, risk underwriting, and multi-channel digital capabilities to a global payment network, UniTeller has become the go-to solution for digital and processing services, not only for the consumer, but also for Fintechs, Neo-Banks, Telcos, and Corporations that seek a comprehensive solution to access cross-border payments efficiently.

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What inspired you to pursue a career in the payments industry, and how did you get your start in this field?

My first visit to a Hispanic commercial street in California was an eye-opener into a world I had not previously seen. I learned about the importance of remittances.

I understood the critical role that payments play in supporting individuals and communities around the world. It made me realize that remittances were indeed a crucial source of income for many people, particularly those who live in developing countries or regions with limited economic opportunities.

I was captivated by the ability to facilitate money transfers from a small bodega in LA to a rural community in Oaxaca, Mexico on the same day. I was drawn to study the opportunities and advances in technology and innovation to deliver a more efficient experience to consumers and businesses. To provide a system that offers greater convenience, speed, and flexibility than the traditional methods.

It was this experience, a simple visit to a bodega, that inspired my passion for payments and the thought that I could play a part in providing real-life solutions to real-life problems.

The payments industry is ultimately about people. Getting to know people from different backgrounds and cultures with the same ideals and goals was an enriching experience for me in my early days. I truly believe that it all comes down to being open to new experiences and recognizing the potential for innovation.

What are the key qualities that you believe have contributed to your success as a CEO? There’s no simple answer to this question because there is a combination of attributes that come into play. However, if I were to narrow it down to a few contributors to my career as CEO, it would be:

- Read, read, and read some more.

- Be humble. Learn. Adapt.

- Lastly but most importantly, interpret what you see, read, and learn, and translate that into a strategic vision of the future with very clear action plans to achieve them.

- Building a great team. A team with diverse skills and values is important, as it allows for a more well-rounded approach to problem solving and decision making.

- Listen to your team. They often have valuable insights and perspectives that can inform your strategy.

- Listen to your Business Partners and your Customers. This is related to the point above. Get to the bottom of the needs of your customers and business partners.

Don’t invent the wheel from your corner office. Instead, get out of your box and take the time to understand the market, and focus on understanding what drives the needle. Sometimes, it’s easy to get lost in a given idea or a trend published by someone, but understanding the needs of the market and the industry is key.

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INDUSTRY INNOVATOR Herbert Hernández Bantrab CEO

With the rise of fintech and digital banking, how do you see traditional cross-border banking evolving to stay relevant in the coming years?

Traditional cross-border banking began to evolve in the late 1980s when travelers still carried money as parcels. Later, this was transformed into money orders, which gave way to electronic transfers.

There were more innovations, but electronic transfers represented one of the best inventions for banking. This advance has caused large companies such as Google, Apple, and Meta to be part of the financial ecosystem. I am sure its involvement in the financial arena will bring more breakthroughs and innovations. In the near future, I see that Super apps will generate new business models and be a fundamental part of cross-border banking.

How is Bantrab addressing the challenge of foreign exchange rates and currency volatility in cross-border payments? What tools or solutions are you offering to mitigate this risk for customers?

It must be understood that the exchange rate is affected by internal and external factors. For example, in California, United States; Guatemala must have a fixed exchange rate. On the other hand, some companies buy Quetzals, Pesos, and Dollars through their treasuries and execute their financial planning when they see the remittance flows to Latin America.

On the contrary, the banks have an established plan based on the volume received, which the financial industry already records as part of its day-to-day activities. This means that it does not have a major impact on the exchange rate of each operation.

In the case of Bantrab, we already have an established schedule, which allows us to have the necessary flow two months in advance to respond to the family remittance business properly.

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We must also highlight in this analysis that the nominal exchange rate in Guatemala is free, determined by the supply and demand of foreign currency in the market. According to the Banco de Guatemala, it is characterized by low volatility, which reflects public confidence in the national currency and the country's macroeconomic strength.

What partnerships or collaborations has Bantrab established with other organizations or community groups to further support the Latin community in the United States, and what impact have these partnerships had?

Bantrab has approached this issue from two perspectives. The first is from the financial field, which has allowed us to design technological and innovative solutions, such as the Bantrab Remittances App; an application for residents of the United States to send money, free of charge and in real-time, to their family and friends in Guatemala.

In addition, we provide free insurance that provides the repatriation and funeral assistance service, while your family member in Guatemala has access to unlimited medical consultations with a general practitioner and preferential cost with specialists and laboratory diagnostic tests, among other benefits.

We also have YoLo, our electronic wallet, which allows Guatemalans living in the USA to open accounts from a cell phone. This application won a silver award for best Disruptive Innovation from the CMM Awards and a gold in the Disruptive Innovation in Financial Services category from the Awards for Financial Innovators in the Americas.

Our second front is strategic alliances. We recently partnered with the Guatemalan Consulate in Los Angeles, California, to guide Guatemalans for free in improving their financial health and using digital tools to open accounts and send remittances. The credit part complements this effort because family remittances can already serve as a guarantee to apply for a loan and cover their financing needs for housing or improvements in their lifestyle.

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Priscilla D'Oliveira Friedman

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UNLOCKING GROWTH AND MITIGATING RISKS: The Importance of Collaborations and Partnerships in the Cross-Border Industry

Furthermore, partnerships can help businesses to access new markets and customer segments.

As the world continues to evolve into a global village, cross-border collaboration and partnerships have become increasingly essential for businesses operating in this space. In the cross-border industry, collaborations and partnerships can help to mitigate risks, foster innovation, and create new growth opportunities. In this article, we will explore the importance of collaborations and partnerships in the cross-border industry from the perspective of an experienced consultant.

By partnering with established companies in foreign markets, businesses can leverage their partners' existing customer base and local expertise to grow their brand and increase their market share. For example, a company that specializes in cross-border payments could partner with a local bank to offer its services to the bank's customers, creating a win-win situation for both companies.

Collaborations and partnerships are critical in the cross-border industry because it is a complex and highly regulated space. For example, businesses must comply with different laws and regulations in each country they operate in, which can be challenging to navigate without the support of local partners.

Collaborating with local partners can help businesses to overcome these challenges and establish a strong presence in foreign markets.

Partnerships can also help businesses to foster innovation and bring new products and services to market faster. By collaborating with other companies in the cross-border industry, businesses can share knowledge, resources, and expertise to develop new solutions that meet the evolving needs of customers. For example, a company specializing in cross-border remittances could partner with a blockchain startup to develop a more secure and efficient payment solution for its customers.

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COMING OUT

Collaborations and partnerships are also essential for mitigating risks in the cross-border industry. Businesses face many risks when operating in foreign markets, such as currency fluctuations, political instability, political instability, and regulatory changes. By partnering with local companies, businesses can better understand and manage these risks.

For example, a company that operates in the cross-border e-commerce space could partner with a local logistics provider to ensure that its products are delivered on time and in good condition.

Jennifer Holguín CrossTech Lead Consultant

In conclusion, collaborations and partnerships are essential for businesses operating in the cross-border industry. By partnering with local companies, businesses can access new markets, foster innovation, mitigate risks, and create new growth opportunities. As an experienced consultant in the cross-border industry, I have seen firsthand the benefits of collaborations and partnerships and would encourage businesses operating in this space to embrace these opportunities.

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INSIDE JOB Arina Anapolskaya Co-Founder & COO CashQ

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The Cross-Border Payments Industry is Set to Take Off with the CashQ API convenience while retaining control over the funds.

The world of cross-border payments has long been plagued with outdated technology, high costs, and slow transaction times. Banks like Bank of America and Citi still use SWIFT, resulting in long delivery times that can take up to several days and a lot of information required for origination. Meanwhile, neobanks like Chime and CashApp may not offer cross-border payments.

CashQ API was developed to meet the demands of a rapidly changing market, and it's already making waves in the industry. Its advanced technology eliminates the need for SWIFT, resulting in faster and cheaper transactions. And because it's so user-friendly, customers won't need to provide much information to get started, making cross-border payments more accessible than ever before.

The market for outbound cross-border payments, including personal remittances and gig payments, is estimated to reach $1.2 trillion by the end of 2022. But even though over 95% of households in the US have access to a bank, they still need access to convenient cross-border payment options. As a result, customers turn to third-party companies for cross-border payments, leading to bank revenue leakage.

The cross-border payments industry is poised for massive growth in the coming years, and CashQ API is perfectly positioned to capitalize on that growth. With its advanced technology and user-friendly interface, CashQ API is the future of cross-border payments, and banks that adopt it now will be ahead of the curve.

That's where CashQ API comes in - a global push payments platform changing the game for banks and neobanks. CashQ API enables funds to be sent instantly, seamlessly, and securely to any account using card or phone numbers. With CashQ API, banks and neobanks can offer their customers the necessary

So if you're a bank or neobank looking to stay ahead of the curve, it's time to consider CashQ API. Its cutting-edge technology and proven track record make it the perfect solution for banks and neobanks looking to take their cross-border payments to the next level.

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Exploring the Digital Transformation of Cross-Border Payment Solutions AI can be used to improve the accuracy of fraud detection, reduce processing times, and automate many of the manual tasks involved in payment processing.For example, machine learning algorithms can analyze large volumes of data to identify fraudulent transactions and flag them for further review, reducing the risk of business financial losses.

As the demands of customers change and technology continues to advance, the cross-border payments industry is undergoing rapid evolution. To meet the needs of businesses expanding their operations across borders, reliable and efficient payment solutions that can keep up with market growth and evolution are necessary.

Digital transformation is at the heart of the cross-border payments industry's evolution, with businesses looking to leverage technology to deliver innovative and seamless payment solutions. One of the most significant trends in the industry is the adoption of blockchain technology, which offers secure and transparent payment processing while reducing costs and improving speed. Blockchain technology can also help to reduce fraud and enhance compliance, making it an attractive option for businesses that operate in highly regulated markets.

Mobile technology is another area where cross-border payment solutions are embracing digital transformation. With the rise of mobile devices, businesses are looking to offer customers the ability to make payments on the go. Mobile payments are convenient, fast, and secure, making them an attractive option for businesses that want to expand their customer base.

However, while digital transformation offers many benefits, it presents new risks that businesses must be aware of. Cybersecurity is a growing concern in the cross-border payments industry, with hackers looking to exploit vulnerabilities in payment systems to steal data and funds.

Another area where technology is driving change in the cross-border payments industry is artificial intelligence (AI).

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TO KEEP IN MIND

Businesses must invest in robust cybersecurity measures to protect their payment systems and customer data from cyber attacks.

The cross-border payments industry embraces digital transformation and the latest technologies to respond to the market's evolving needs.

Blockchain technology, artificial intelligence, and mobile payments are just a few examples of how businesses leverage technology to deliver innovative and seamless payment solutions. However, as businesses embrace these technologies, they must also be aware of the new risks they present and invest in robust cybersecurity measures to protect their payment systems and customer data. As the market continues to grow and evolve, businesses that embrace digital transformation and technology will be best positioned to succeed in the cross-border payments industry.

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AGENDA DAY 1

May 11, 2023

08:15 - 09:00

Registration is open

09:00 - 09:15

WELCOME PARTICIPANTS

09:15 - 10:00

Fireside Chat - Global State of the B2B Cross-Border Payment Industry

10:00 - 10:15

UniTeller Business Payments Announcement

10:15 - 11:15

NETWORKING BREAK

11:15 - 12:00

B2B Cross-Border Payment Corridors

12:00 - 12:45

Crypto & Blockchain Solutions for Cross-Border B2B Payments

12:45 - 2:00

LUNCH

02:00 - 02:45

Navigating the Cross-Border Payments B2B Industry, Fintech Revolution and Future Trends

02:45 - 04:00

NETWORKING BREAK

04:00 - 04:45

04:45 - 05:30

05:30 - 09:00

Women in Leadership:

Fintech Track:

Innovations in Cross-Border Payment Fintech: Unlocking growth potential

Banking Track: Bridging the Gap: Bank-Fintech Partnerships for Cross-Border

WELCOME RECEPTION 34

Business Session

Welcome

Closing

Lunch

Compliance Session

Networking

Registration is open

09:00 – 09:15

WELCOME PARTICIPANTS

09:15 – 10:00

B2B Compliance Workshop - Session 1

10:00 – 10:15

UniTeller Business Payments Announcement

10:15 – 11:15

NETWORKING BREAK

11:15 – 12:00

B2B Compliance Workshop - Session 2

12:00 – 12:45

B2B Compliance Workshop - Session 3

12:45 – 02:00

LUNCH

02:00 – 02:45

02:45 – 04:00

04:00 – 04:45

04:45 – 05:30

B2B Payments Workshop: The Potential Market and its Challenges - Session 1

NETWORKING BREAK B2B Payments Workshop: The Market - Session 2

B2B Payments Workshop: The Partners - Session 3

WELCOME RECEPTION 35

AGENDA DAY 2

May 12, 2023

08:15 - 09:00

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09:00 – 09:15

WELCOME PARTICIPANTS

09:15 – 10:00

Size of the Market and Consumer Demand for B2B Cross-Border Payment

10:00 – 10:45

Miami the New Innovation Fintech Hub

10:45 – 11:45

COFFEE BREAK

11:45 – 12:30

Products & Technology for the B2B Cross-Border Market

12:30 – 01:15

Successful Partnerships in Cross-Border B2B

01:15 – 02:30

LUNCH

02:30 – 03:15

04:15 – 05:00

Roundtable: Evolución del Mercado Latinoamericano de Pagos (Español/Spanish)

Roundtable: FINTECHs Revolutionizing the Instant Payment Method in Brazil (Português/Portuguese)

CLOSING

05:00 – 08:00

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Registration is open

09:00 – 09:15

WELCOME PARTICIPANTS

09:15 – 10:00

Compliance Officers Discussion Forum: US Regulation

10:00 – 10:45

Compliance Officers Discussion Forum: Crypto Compliance Trends and Best Practices

37

FIRESIDE CHAT - GLOBAL STATE OF THE B2B CROSSBORDER PAYMENT INDUSTRY

SUCCESSFUL PARTNERSHIPS IN CROSS-BORDER B2B BUSINESS SESSION

12:00 PM – 12:45 PM

BUSINESS SESSION

SPEAKERS:

Hugo Cuevas-Mohr CrossTech CEO

Alberto Guerra UniTeller CEO

SPEAKERS:

Luis Cambronero Managing Director Head of Partnerships and API Sales AZA Finance

Phillip Daniel Regional Director Americas TerraPay

Hugo Cuevas-Mohr CrossTech CEO

DESCRIPTION

Brian Frankel Director, Compliance Program Office Payoneer

Ashley Mallett Head of B2B Division Paysend

The new face of the cross-border payment industry, the new business payments market, is explored in this presentation which will launch our CROSSTECH PAYMENTS event in 2023.

The Global State of the B2B Cross-Border Payment Industry is a panel session that brings together experts and industry leaders to discuss the current state of the B2B cross-border payment industry worldwide. The panel aims to provide attendees with insights into the industry's latest trends, challenges, and opportunities and explore the future direction of B2B cross-border payments.

Partnerships: What partnerships are needed to be successful? Will NBFIs doing domestic business payments or foreign exchange firms be the best partners? What Banks are willing to cater to crosstechs and build a channel that is not wire-transfer based? Are card payment networks such as Mastercard or Visa the partners that you need for B2B payments?

The panelists will likely cover various topics related to the B2B cross-border payment industry, including the latest technological advancements, regulatory changes, and emerging market trends. They may also discuss the challenges and opportunities businesses face when making cross-border payments and share insights into the best practices for businesses to adopt.

WOMEN IN LEADERSHIP: NAVIGATING THE CROSS-BORDER PAYMENTS B2B INDUSTRY, FINTECH REVOLUTION AND FUTURE TRENDS

The session is expected to be highly informative, providing attendees with a deep understanding of the current state of the B2B cross-border payment industry worldwide. The panel is likely to interest professionals in finance, technology, and business, as well as anyone interested in learning more about cross-border payments for businesses.

By the end of the session, attendees will better understand the global landscape of B2B cross-border payments and be better equipped to navigate the challenges and opportunities in this growing industry.

2:00 PM – 2:45 PM

SPEAKERS:

WELCOME RECEPTION WELCOME Priscilla Doliveira COO CrossTech

Allison Barbosa Head of Americas RTGS.global

Lindsay Lehr Managing Director PCMI

DESCRIPTION

Industry leaders discuss the strategies and best practices for building successful partnerships in cross-border business.

The panel could cover a range of partnership topics, such as identifying the right partners, building trust, negotiating agreements, and managing the partnership relationship over time.

BUSINESS SESSION

9:15 AM – 10:00 AM

Christina Hutchinson Head of Sales & Business Development LATAM NIUM

Marcela Gonzalez Board Member CrossTech

DESCRIPTION Women leaders in the payments and fintech industries come together to discuss their experiences, insights, and strategies for navigating the challenges and opportunities in these rapidly evolving fields.

38

5:30 PM – 9:00 PM

SIZE OF THE MARKET AND CONSUMER DEMAND FOR B2B CROSS-BORDER PAYMENT BUSINESS SESSION

PRODUCTS & SERVICES FOR THE B2B CROSS-BORDER MARKET BUSINESS SESSION

SPEAKERS:

9:15 AM – 10:00 AM

SPEAKERS:

Hugo Cuevas-Mohr CrossTech CEO

Alberto Guerra UniTeller CEO

Ashley Mallett Head of B2B Division Paysend

Mariano Dall'Orso Board Member CrossTech

Christina Hutchinson Head of Sales & Business Development LATAM NIUM

Alex Voronovich Founder and CEO CashQ

Discover valuable insights into the various solutions available for cross-border payments, as well as the latest trends and innovations in this space. This panel will help businesses and professionals in the payment industry make more informed decisions about which products and services to use to meet their specific needs and challenges in the global marketplace.

The Size of the Market and Consumer Demand for B2B Cross-Border Payment Panel is a session that brings together experts and thought leaders in the field of cross-border payments for businesses. The panel aims to discuss the current state of the market, including its size and growth potential, as well as the changing consumer demand for cross-border payment solutions.

Products & Services (P&S): Do these P&S need to be targeted to specific types of clients, corridors, trades? Should the growing SMB payments market be the primary focus? Or will all-around crosstech B2Bs succeed? How might these P&S be differentiated from bank wire transfers, besides speed, cost, and foreign exchange margins? How might sending disbursements cross-border be handled when you mix payments for businesses and individuals?

The panelists are likely to discuss a range of topics related to B2B cross-border payments, including the latest trends, challenges, and opportunities. They may also share insights on the impact of regulatory and technological developments on the industry and explore the best practices for businesses to adopt when navigating the cross-border payments landscape.

The session is expected to be informative and engaging, providing attendees with a comprehensive understanding of the market and consumer demand for B2B cross-border payments. The panel is likely to be of interest to professionals in finance, technology, and business, as well as anyone interested in learning more about cross-border payments for businesses.

CRYPTO & BLOCKCHAIN SOLUTIONS FOR CROSS-BORDER B2B PAYMENTS

COMPLIANCE OFFICERS DISCUSSION FORUM: US REGULATION

BUSINESS SESSION

12:30 PM – 1:15 PM

SPEAKERS:

9:15 AM – 10:00 AM

SPEAKERS:

Marina Olman-Pal Greenberg Traurig LLP Shareholder

Fernanda Zago CEO Wepayments

DESCRIPTION

DESCRIPTION

COMPLIANCE SESSION

10:00 AM – 10:45 AM

Brian Frankel Director, Compliance Program Office Payoneer

Erick Schneider Board Member CrossTech

Zachary Plotkin Head of Compliance, Legal & Privacy Madison Davis

Joe Ciccolo Founder BitAML

Jose Lapadula Global Regulatory Affairs and Compliance Jose Lapadula

Aaron Sears Managing Director, Americas Ripple

Rocelo Lopes CEO SmartPay

DESCRIPTION

Daniel Wood Pillsbury Winthrop Shaw Pittman LLP Counsel

Understand the role of cryptocurrencies and blockchain technology in facilitating cross-border B2B payments, as well as the benefits and challenges associated with these emerging technologies.

DESCRIPTION The forum is designed for compliance officers from financial institutions, fintech companies, and other payment providers to come together and discuss the latest regulatory developments and how they impact the industry.

Crypto & Blockchain Solutions: I believe, as do a number of colleagues in the industry, that the use of Crypto & Blockchain Solutions (CBSs) is a growing trend in back-office and treasury management. Is the advent of crosstechs building their rails using CBSs the way forward?

Are stablecoins the best solution available? How will these solutions interact with the rest of the ecosystem?

The forum will focus on compliance in cross-border payments, including anti-money laundering (AML), know-your-customer (KYC) requirements, sanctions, and data protection. Participants will be able to share their experiences and insights on these topics and learn from others in the industry.

39

SPEAKERS

Hugo Cuevas-Mohr CEO CrossTech

Priscilla Friedman COO CrossTech

Nabil Kabbani CEO Neofie

Erick Schneider Board Member CrossTech

Mariano Dall'Orso Board Member CrossTech

Marcela Gonzalez Board Member CrossTech

Alberto Guerra CEO UniTeller

Herbert Hernández CEO Bantrab

Lindsay Lehr Managin Director PCMI

Jose Lapadula Regional Compliance Officer

Vivian Portella Founder IZZI Remesas

Brian Frankel Director, Compliance Program Office Payoneer

Christina Hutchinson Head of Sales & Business Development LATAM NIUM

Ashley Mallett Head of B2B Division Paysend

Alex Pereira CEO PMI Americas

40

Robin Garrison Strategic Innovations Director of Compliance, VP First Bank

Edel Gonzalez Senior Consultant Bates Group

SPEAKERS

Daniel Wood Counsel Pillsbury Winthrop Shaw Pittman LLP

Joe Ciccolo Founder BitAML

Marina Olman-Pal Shareholder GT Law

Zachary Plotkin MD, Head of Compliance, Legal and Privacy Madison Davis

Todd Maher President BitSource AML Solutions

Oscar Moreno SVP Business Development UniTeller

Philip Daniel Regional DirectorAmericas TerraPay

Luis Cambronero Managing Director Head of Partnerships and API Sales AZA Finance

Fernanda Zago CEO Wepayments

Naushad Contractor CEO Fable Fintech

Ines Fernandez Vice President of Solutions Engineering, Institutional Sales Aquanow

Logan Lemberger Global Financial Partnerships MassPay

Licely Sanchez Gerente de Remesas Familiares Bantrab

Elisabete Botinas Chief Compliance Officer E Cocone US, Inc.

Daniel Ayala Cross-border Payments Expert 999 Global Ventures LLC

Allison Barbosa Head of Americas RTGS.global

Alex Voronovich CEO and Co-Founder CashQ

Raphael Wander Senior Sales Engineer TethaRay

41

Register now!

Nov 14 - 16

Seminole Hard Rock Hotel & Casino Mami, USA

Juan Posada Director of Business Intelligence

Jennifer Holguin Lead Consultant

Ana González Content Director

Isabel Cortes UK Consultant

David Lederman Marketing Director

Lourdes Soto Spain SpainTech CCO

Maria A. Garcia Sales & Community Manager

Marcela Molina Creative Manager

Diana Jofre Executive Assistant & HR Coordinator

Virginia Martínez Technology & Online Events Admin

We are thankful to all our staff and the supporting team of collaborators who help us develop our conferences in each of the cities and regions we select to host them. Without their help, it would be impossible for us to give all the participants in our in-person and virtual events the unique experience we strive to give everyone attending.

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