Roberto Garavaglia e/m Payments Consultant HOW CAN I HELP YOU http://www.closetopay.com - rgaravaglia@closetopay.com Milan, 7 May 2009

Roberto Garavaglia at glance Over 20 years of experience in marketing & 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/columnis t for magazines focused on new payments business Chairman and/or keynote speaker at conference/seminar/workshop

Professional experience 2003 onwards : Independent Senior Management Consultant e/m-Payments Strategic 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

Main achievements Business Development in Italy for INTEGRI and Clear2Pay 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 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)‏

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

Areas of competence Business Development ICT control & strategy Coaching Strategic Marketing Team Management Product Management Start-ups

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