Alma is Bamcard’s CEO since 2010. Prior to when it was popular for women to consider a career in Fin Tech, Alma was given a chance to be a female pioneer in the payment industry in Bosnia and Herzegovina after being recognized in the banking industry for building new brands, driving business and stimulating innovation. For her it was love at first sight and entering this dynamic industry with her Austrian result-oriented mentality she recognized possibilities to make payments more accessible and less expensive.

Since Alma joined Bamcard – and thanks to her vast experience in the Fin Tech, payment and banking industry – Alma has served as a role model and mentor for many women and men at Bamcard and in the industry. Customers, colleagues and partners feel her excitement and positive approach. She oversees a large team of both women and men and encourages all of them through supportive guidance.

Under her leadership, several initiatives were launched, including KVIKO – the first Instant Payment Platform in the region. At the moment KVIKO offers 3 services KVIKO cash (mobile cardless ATM withdrawals), KVIKO instant (P2P instant inter-bank transactions) and KVIKO top up (GSM top up) and it is planned to offer KVIKO Pay until the end of this year (QR Code hardwareless interbank payments). In the previous years she was the strategy leader for the development and implementation of other advanced services and products in Bosnia and Herzegovina and in the SEE region such as the first ATM Sharing Network, the first Anti-Fraud Prevention mobile application and a Host Authorization Processing and Personalization Software.

Andrea Dunlop is Managing Director, The Access Group, leading their payment division. She is also a co-founder of, an angel investor and non-executive Director.  Andrea is highly-regarded in the payments industry; she has been recognised with numerous industry awards including being named one of the ‘Most Influential Women in Payments in 2018’, and appearing in Payments Power 10, a list of the top ten influential contributors to the payments industry in 2016/17/18/19. Andrea is the Chairwoman of the Emerging Payments Association’s Advisory Board and Board member of the European Women in Payments Network. Andrea previous roles include establishing a successful UK/EU merchant acquiring business, as well as running her own consultancy in financial services and payments sectors. Previously she served 13 years in the Royal Air Force. She is a passionate speaker and supporter of diversity and inclusion, as well as financial inclusion, championing and challenging the industry to deliver better financial products for the benefit of all. 

Dr. Christine Bailey is the founder of Sophia Marketing Ltd, delivering practical wisdom and insights-based marketing services to the technology and FinTech sectors.  She is also the CMO of PassFort, a SaaS solution provider defining the next wave of RegTech with its human touch to compliance automation.

She has spent her career in various B2B marketing roles, including leading European marketing functions for Hewlett-Packard and Cisco Systems, as well as for pre-IPO companies.  Most recently she was Managing Director, SMB UK and Ireland, as well as Chief Marketing Officer for Valitor, a European payment solutions company.

A respected thought leader and public speaker with two TEDx Talks ‘Unconventional Career Advice’ and Break Free of Your Comfort Zone Christine has been voted #1 Woman in Tech by B2B Marketing, #3 female influencer in UK B2B Marketing by Onalytica and one of 150 women B2B thought leaders you should follow in 2021 by Thinkers360.

Christine has a doctorate (DBA) in customer insight from Cranfield School of Management.  Her book Customer Insight Strategies: how to understand your audience and create remarkable marketing was published in Nov 2020 and she was a contributing author of The PAYTECH book published in Jan 2020.   She is a Senior Fellow of The Conference Board and an advisor for EWPN.


Mélisande Mual is publisher and owner of The Paypers, the leading source of news and analysis for professionals in the global payments and ecommerce industry. The portfolio of The Paypers includes news, market guides, reports, databases, expert opinions, and interviews.

Mélisande has extensive experience in driving growth for international software and media companies in an increasingly social and mobile world. Prior to The Paypers, Mélisande held several leadership positions in global media (Wolters Kluwer) and telecommunication (KPN) companies.

Viola is the Co-founder & President, Ovamba,an Emerging markets focused marketplace funding and investment platform. Ovamba matches investors who want to invest in qualified African SMEs who need short term funding. Previous to this Viola was the co-founder and Managing Partner of Praxis Management Advisors LLC, and the Executive Director of Investor Communications and Marketing at Praxis Asset Management Advisors, LLC.

Silvia is a Senior Vice President in Banking & Payments in Europe for FIS. She was previously the General Manager Europe Processors & Networks at ACI Worldwide. Silvia is an old veteran in the payments spectrum, having worked within the industry since 2000. She brings on board years of expertise on multiple sub-sectors within the industry. Her knowledge of the industry, trends, issues and challenges faced by financial institutions as well as women working within the industry, will be a huge benefit to WIPN and members in general.

Beatrice Bouju believes that payments are at the cusp of major evolutionary changes, affecting for the banking sector, merchants and payment providers. Led by new technologies (including Distributed Ledger Technology), and legal changes (PSD2’s introduction of AISPs and PISPs), international payments will quickly become faster, cheaper and more secure. Payments are a very exciting space to be part of!

Beatrice joins EWPN with 20 years of experience in the payments industry and brings a wealth of expertise in global remittances, capital markets, payments, international cash management and banking. Her first exposure to international payments came with Western Union. Beatrice led the team launching the European versions of QuickPay and QuickCash, making Western Union’s instant money transfer services available to corporates and banks – the beginnings of Western Union Business Solutions in Europe.

For the past 12 years, Beatrice has worked in transactional FX where she was responsible for Natwest Markets’s automated foreign exchange management services for corporates and financial institutions in Europe. She focused on addressing the payments and cash management needs of global merchants, marketplaces, PSPs, merchant acquirers, and card issuers. Beatrice started her career in New York City with Diageo Plc which provided first-hand experience in sales, international trade and distribution agreements. She is now looking to broaden her remit.

Beatrice holds an MBA in International Business and is fluent in English, French and German. She is a keen skier and divides her time between London and Switzerland.

She is a keen advocate of diversity, including women representation in the corporate world.