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Twispay (soon to be xMoney), the first e-money institution from Romania, is the Gold Partner at Banking 4.0

16 noiembrie 2022

Twispay, the first e-money institution, licensed by the National Bank of Romania in 2013, and the only one that has passported its license in the European Economic Area, is the Gold partner of the Banking 4.0 international conference.

This year’s theme of the conference is „Resilience in banking. The answer is embedded!„.

„Embedded finance” is about how banking services and products can be delivered remotely, through channels not necessarily banking, through various platforms, from market places to social media applications.

The financial ecosystem is evolving, driven by the demands of consumers looking for convenience, fast access to money, and seamless experiences. Developing agile solutions is mandatory for worldwide players and doing so may only be done by bringing together vision, talent, and expertise, under an umbrella of regulation and compliance. At Twispay, we place much value on the collaboration between banks, e-money institutions, fintechs, regulators, and product and service providers, this is why we are happy to support Banking 4.0, as a Gold Partner.” – says Augustin Dobre, CEO of Capital Financial Services, a company that operates under the Twispay brand (soon to be xMoney).

With over 15 years of experience in the financial and technology industries and a strong background in IT, operations, risk, compliance, accounting, and sales, Augustin will deliver a keynote speech at Banking 4.0 focused on web 3.0 impact on the future of financial services.

Currently, Augustin is one of the people active in the local/regional fintech market, where he supports the development of the payments field.

At Banking 4.0 is all about the impact of the emerging technologies in banking (AI, machine learning, cloud computing, blockchain, banking as a service, SoftPOS technology, Robotic Process Automation, open banking & open finance), regardless of whether we are talking about new business models or new ways of interacting with consumers.

„I truly believe that innovation and artificial intelligence will be the catalysts for the financial field’s development.” added Augustin.


The Banking 4.0 conference, probably the most relevant event on digital banking in South & Eastern Europe, will take place on November 22 and 23, at the Marmorosch Hotel in Bucharest.

The event is attended by experts from 22 countries (Austria, Belgium, Cyprus, Check Republic, the United Arab Emirates, France, Germany, Greece, Israel, Lithuania, Luxembourg, Norway, Poland, Romania, the Republic of Moldova, Spain, Sweden, the Netherlands, Turkey, Hungary, UK and USA) – confirmations received so far.Make sure you will not missed the event and reserve your seat!

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Cifra/Declaratia zilei

Anders Olofsson – former Head of Payments Finastra

Banking 4.0 – „how was the experience for you”

So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”

Many more interesting quotes in the video below:


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?