Roberto Garavaglia at glance. Quick description of consultancy proposal.

1. Roberto Garavaglia e/m Payments Consultant http://www.closetopay.com - rgaravaglia@closetopay.com HOW CAN I HELP YOU

2. Roberto Garavaglia at glance Over 20 years of experience inmarketing & business development Industries: e-Payments; m-Payments, Cards; POS, bank payments services, e-Commerce,retail payments, loyalty , ICT services Competence area: European regulatory for SEPA (PSD, e-Money Directive, etc.), strategic consultancy in payments systems/services Author of CloseToPay (www.closetopay.com)‏ Independent journalist/columnist for magazines focused on new payments business Chairman and/or keynote speaker at conference/seminar/workshop

3. Professional experience 2003 onwards: Independent Senior Management Consultant e/m-PaymentsStrategic Marketing; Business Dev.; Business Analysis; IT strategies; Management consultancy 2000- 2003: SMARTEL S.p.A.Business Soutions Manager 1995- 2000: IPM S.r.l.Marketing Manager; Technical Manager 1993- 1995: SECETI S.p.A.Technical consultancy for innovative projects fit into e-Payments area 1989- 1993: PHILIPS S.p.A.Marketing and Pre-Sales Support 1986- 1989: DATAMONT S.p.A.Data Communications Project Engineer

4. Main achievements Strategic consultancy for banking institute and new-comers who are interesting to compete in the Retail Payment Services market as Payment Institutions, EMIs, Card Issuers/Acquirers or processors Business Developmentin Italy for foreign e-payment companies Technical managing directions of Cross-Border Acquiring project in Italy (2002)‏ Conceiving the "PAGAMENTI 2.0" concept, evolution of a Payment Services along the social-economic scenarios of the emerging architecture of participation, defining the role of the "Payment Services Consumer" (2007)‏ Creation of the first Italian payment gateway for Internet e-commerce (1995)‏

5. Areas of expertise European Regulatory SEPA (PSD, EMD, ...)‏ e-Commerce Mobile Payment Retail Payment Card Payment GSMA VisionariesFinancialServices Loyalty c-less (NFC, 2DCode)‏

6. Areas of competence Business Development ICT control & strategy StrategicMarketing Start-ups Product Management Team Management Coaching

7. I can help you: the reason why leadership team player self starter decision maker problem-solver analytical think results-oriented great seniority long term vision