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Digital Finance Summit 27 NOVEMBER 2019
S H ERATO N B RUSS ELS AIR PO RT
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B-Hive is a European collabora-
The initiators
tive innovation fintech platform that brings together major banks, insurers and market infrastructure players. Together, we work on common innovation challenges and build bridges to the start-up and scale-up community. We aim to put Brussels on the map as the smart gateway to Europe and leverage on the opportunities offered by the digital transformation for the financial services industry. We believe that building bridges between important fintech hubs and the Eurozone enables both European and non-European companies to grow and expand. www.b-hive.eu
European Banking Federation is the voice of the
European banking sector, bringing together 32 national banking associations in Europe that collectively represent some 3,500 banks – large and small, wholesale and retail, local and international – employing approximately two million people. EBF members represent banks that make available loans to the European economy in excess of €20 trillion and that securely handle more than 400 million payment transactions per day. Launched in 1960, the EBF is committed to creating a single market for financial services in the European Union and to supporting policies that foster economic growth. www.ebf.eu
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Febelfin represents the Belgian
financial sector. In collaboration with the banks, Febelfin is developing a social, safe and more digital banking system. Innovations range from sustainable investments and diversity in banking staff to instant mobile payments. From pension savings and a strong integrity policy in banks to new career opportunities for employees of the financial sector in other sectors. From social loans and a basic banking service for refugees to continuing financial training for individuals and entrepreneurs.
FinTech Belgium is a
non-profit organisation created in 2015 by and for FinTech companies in Belgium. It is the first and largest community of FinTechers in Belgium, gathering financial professionals, startup entrepreneurs and investors, who are interested in discovering and discussing disruptive business models and new technology for the financial services industry. www.fintechbelgium.be
www.febelfin.be
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Fabian Vandenreydt, Executive Chairman B-Hive:
Quotes of the initiators
“Change is happening fast, fueled by continuous tech solutions. However, innovation is not only about technology.The ultimate impact of these emerging tech solutions will be felt by the end-users:consumers, households, businesses and employees in the financial sector. That is why it is important to bring the entire European fintech world together. Hosted in the capital of European policy setters, the Digital Finance Summit is the perfect platform for global innovators to share insights and to be inspired by a unique blend of industry leaders. The objective is to turbo boost the European fintech ecosystem.”
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Sebastien de Brouwer, Chief Policy Officer at EBF:
“Bringing together so many financial innovators provides a unique opportunity for the global fintech community to visit Brussels. We see that regulation is changing fast and the ecosystem keeps on growing, especially the access to artificial intelligence solutions and the growing data economy. We are looking forward to pushing the European fintech potential to new heights with policy experts and entrepreneurs.”
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Karel Van Eetvelt,
Jean Louis Van Houwe,
CEO Febelfin:
“Open banking, collapsing business models, Libra,… the financial services industry is facing unseen challenges. Tackling those will require an all-hands effort by the financial institutions, fintechs and regulators alike. Brussels as EU capital is halfway between London and Frankfurt and less than 2 hours from any European financial regulator. This conference is also intended to be a strong signal to the new EU Commission and financial regulators: Let us work together to create a business environment that guarantees that European citizens and SMEs can continue to rely on a strong and competitive European financial sector for access to financial services.”
Chairman FinTech Belgium:
“Changes in the financial, insurance and regulatory fields are accelerating with the emergence of new challenges, new opportunities and new players. It is important that at least once a year all stakeholders can meet to keep up-to-date, hear the latest trends and establish collaborations in this fast-growing environment. After 3 successful editions of the FinTech Belgium Summit, we are very happy to now be combining forces with other organizations to organize 2019’s major FinTech event in the capital of Europe: the Digital Finance Summit.”
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Belfast, Co. Antrim
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An unbeatable combination of world-class talent, competitive operating costs and research excellence has fuelled the growth of Northern Ireland’s financial technology sector. Deep expertise in trading and payments technologies, regtech, analytics and cyber security together with pioneering activity in disruptive technologies such as blockchain and AI, underpins the region’s global reputation as a location of choice for FinTech investment and as a top 3 FinTech location of the future (FT fDi Markets, 2019).
Paid. Protected. Mastercard.
A host of financial services giants including Citi, CME Group, Visa, Vela and TPICAP, as well as home-grown entrepreneurs, First Derivatives, Datactics and FSCOM all thrive in an entrepreneurial ecosystem in which collaboration and innovation is encouraged and supported by government.
Thanks to the Zero Liability Protection, valid on all Mastercard and Maestro cards, you are protected from any unauthorized transactions in store and online. In case of fraudulent use of your personal data you are 100% reimbursed and have no franchise to pay.
Get more info about our Zero Liability Protection on mastercard.be.
Invest Northern Ireland, the region’s economic development agency, works with investors to offer advice and financial assistance to support business establishment, growth, capability development and international competitiveness. investni.com
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For further information and conditions, please consult the terms and conditions of your bank or card issuer.
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CM
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FUEL YOUR DIGITAL FUTURE, NOW.
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Appian’s low-code platform helps financial institutions turn great ideas into impactful business applications—fast. We guarantee it.
appian.com/finserv The Appian Guarantee is available to new Appian customer developing and deploying in the cloud who purchase Appian software with an annual contract value in excess of an Appian-set minimum, who agree to fully use standard Appian features and prioritize scope according to the guidelines as qualified by Appian Professional Services. These guidelines are best practices for fast delivery as they relate to project delivery methodology, integrations, data manipulation, and data design. The 10-day design course fees are not included in the first application project cost.
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Program 9.30
Plenary Session
10.00 11.00 11.30 12.30 14.00 15.00 15.30
Parallel Sessions
16.30
Plenary Session
17.00
Networking Drink
Terminal 1
Terminal 2
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Terminal 3
Opening Insurance
Banking
Society
Coffee Break Coffee Break
Parallel Sessions
Banking
Insurance
Society
Lunch Break Lunch Break
Parallel Sessions
Technology
Regulations
Ecosystems
Coffee Break Coffee Break
Parallel Sessions
Technology
Regulations Closing
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Ecosystems
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Aamand, Michael
Speakers
Besse, Amaury
Danske bank
Senior Business Manager Tink
Abruzzini, Arnaldo
Bornshtain, Lior
Affre, Alexandre
Boydens, Patricia
Secretary General Eurochambres
Director for the Industrial Affairs, Entrepreneurship & SMEs BusinessEurope
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CEO Otly!
CCO Harmoney
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Transferwise
Bradbury, Karen
Head of Financial and Professional Services Invest Nl
Bruyneel, Jan Product Manager KBC
Carlucci, Edoardo
Policy & Research Officer BETTER FINANCE
Cassini, Cédric
Dadoun, Dave
CMO Treezer
Assistant General Counsel Microsoft
Casteleyn, Tom
De Croo, Alexander
Coleman, Flora
De Jong, Michel
Global Head of Custody BNY Mellon Asset Servicing
Global Head of Government Relations Transwise
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Minister of Finance Belgian Government
Sales Executive Onegini
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De Kimpe, Raf
Director BD & Ecosystem B-Hive
De Montaigu, Grégoire
Della Faille, Elisa
Françoisse, Kevin
Derval, Thomas
Garré, Bart
Product Owner KUBE Isabel Group
Client Partner Ninety Consulting
Associate lawyer Simont Braun
De Smet, Jeremy
Dewaerheijd, Henri
CEO Moneytrans
Country Manager Mastercard
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CEO & co-founder Sagacify
Legal Counsel for Strategic and Innovative Projects Euroclear
Goderis, Jonathan
Co-founder Keypoint BVBA
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Quatar FC
Haben, Piers
Director Markets, Innovation and Consumers EBA
Holvoet, Tine BNP Paribas Fortis
Johnson, Jennifer
Koch, Nicola
Kerstens, Peter
Laidlaw, Jennifer
Secretary General EU Mortage Federation
Adviser DG Fisma Co-Chair of Fintech Taskforce
Hoogendoorn. Henk Jan Kestens, Davy Managing Director of Financial Sector Office
Founder and CEO Cake
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Project Manager 2° Investing Initiative
Reporter S&P Global MI
Mijs, Wim CEO EBF
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Neubourg, Jonathan
Head of digital innovation & channel strategy Belfius Bank & Insurance
Niculae, Ana
Senior RPA Banking Expert UiPath
Ongena, Didier
Managing Director Microsoft Belux
Podevyn, Stephan
Rosselli, Jeremy
Remans, Wilfried
Sarafidis, Christian
CEO The Wave
Director CSR & Public Affairs BNP Paribas Fortis
Rosseel, Frederik CEO Docbyte
General Manager N26
Chief Business Development Officer Worldwide Financial Microsoft
Schickler, Jack
Senior Financial Services Correspondent
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Seaward, Kieran
Toledo, Marc
Van Houwe, Jean-Louis
Soviany. Cristina
Van Avendonk, Dennis
Vanderoost, David
Tamkivi, Taavi
Van Eetvelt, Karel
Vanderhoydonk, Koen
Sales Manager Datactics
Founder Features Analytics
Founder & CEO Salv
Managing Director Bit4you
Consultant Projective
CEO Febelfin
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President FinTech Belgium
CEO Approach
CEO Blanco
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Vandooren, Pietjan
Vermeire, Johannes
Velge, Jean-Charles
Voller, Benedikt
Founder RockEstate
Co Founder Qover
CEO POM
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Zilgalvis, Peteris
Head of Unit, Digital Innovation and Blockchain, Digital Single Market, DG CONNECT European Comission
Head Of Europe Raisin
Raisin
Verlinden, Jan
Senior Director, Insurance Leader Belgium. Core Insurance Transformation Champion Capgemini Financial Services
Zaraket, Mohamad EMEA Digital Lead BNY Mellon
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*Check out our website or mobile app to have the latest updates.
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Main sponsor
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Empowering intelligent banking and insurance Modernize core banking, manage risk, combat financial crime, build trust through security and compliance.
aka.ms/intelligentbanking
MSFT-2Pager-Digital_Finance_Summit-V4.indd 1
aka.ms/intelligentinsurance
11/11/2019 17:12
MSFT-
19 17:12
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11/11/2019 17:12
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Platinum sponsor
Isabel Group has evolved through the years to Belgium’s largest Fintech. We digitalize the financial supply chain of our professional users by enabling the seamless and secure exchange of documents, payments and identities. We form a reliable link between the businesses, accounting firms, banks and suppliers. By offering a number of solutions and services that enable digital finance transformation, Isabel Group is known as a trusted partner for: •Multibanking via the Isabel6 & Seven-platform •Exchange of financial and transactional documents via Zoomit, CodaBox and ClearFacts •Open Banking via the Ibanity API-store & Ponto •Security Solutions via SignHere and Kube
With more than 300 experts and intensive focus on the business world, Isabel Group generated a turnover of €68 million in 2018. The company is headquartered in the heart of Brussels. For more information, go to www.isabelgroup.eu www.isabel.be
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Gold sponsors Docbyte is a digital transformation pioneer and innovator in developing and deploying completely digital solutions to enhance the efficiency of our customers’ business processes. Thanks to our digital onboarding you will never have to let your customers wait. A customer expects a modern and quick – almost instant – experience when they open an account or apply for a service. With clever use of intelligent technologies such as machine learning, we reduce the time spent on onboarding from days to minutes. Moreover, our solution improves overall
regulatory compliance and is available in a fully modular and customizable package.
solution, they won’t have to run to your offices multiple times to fill in or sign a slew of paper documents.
Application forms, verification, approval, signing and more – we ensure everything is available on the go. Clients have come to expect a mobile-first mindset from their online service providers. With mobile capture in our onboarding
Contact us for a demo at docbyte.com
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Invest Northern Ireland
An unbeatable combination of world-class talent, competitive operating costs and research excellence has fuelled the growth of Northern Ireland’s financial technology sector. Deep expertise in trading and payments technologies, regtech, analytics and cyber security together with pioneering activity in disruptive technologies such as blockchain and AI, underpins the region’s global reputation as a location of choice for FinTech investment and as a top 3 FinTech location of the future (FT fDi Markets, 2019).
all thrive in an entrepreneurial ecosystem in which collaboration and innovation is encouraged and supported by government. Invest Northern Ireland, the region’s economic development agency, works with investors to offer advice and financial assistance to support business establishment, growth, capability development and international competitiveness.
A host of financial services giants including Citi, CME Group, Visa, Vela and TPICAP, as well as home-grown entrepreneurs, First Derivatives, Datactics and FSCOM
investni.com
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Internal
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KBC is one of the leading financial groups in Europe. It is a multi-channel bankinsurance group catering mainly to retail clients, SMEs and local midcaps.
As bank-insurer, our purpose is to help all our stakeholders realise their dreams and protect them. We aspire at being far more than a bank and an insurance: we want to enable and protect the dreams of our clients. Even more: we want to inspire, boost and stimulate those who count on us, day after day. What we do, we do it so that others can grow and achieve their respective goals: we enable our retail clients to plan and realise their projects, and help them to then protect them; we cooperate with our business clients so that they can grow and develop in the long term; we drive local economies so that communities can further develop, we offer services to their citizens, opportunities for their young people; we are preparing for tomorrow’s challenges, so that our current and future employees can develop their potential.
Our vision: to be the reference for bank-insurance in all our core markets KBC is a group of 42 000 talented employees in different countries who work together and share a common culture. Our culture is the fertile and energizing soil on which we build our strategy, consisting of 4 cornerstones, interacting with each other:
Who are we?
• • • • • •
Formed in 1998 after the merger of two Belgian banks (Kredietbank and CERA Bank) and a Belgian insurance company (ABB Insurance). Principal activity: integrated bank-insurance. Clients: > 11 million.
• •
We strive to offer our clients an unique bank insurance experience
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We put our clients’ interests at the heart of what we do and strive to offer them at all times a high quality service and relevant solutions
•
Core markets: Belgium, the Czech Republic, Slovakia, Hungary, Bulgaria and Ireland. Also present, to a limited extent, in other countries. Network: ca. 1 400 bank branches, insurance sales via own agents and other channels, various electronic channels.
We develop our group with a long term perspective and therefore achieve sustainable and profitable growth
We take our responsibility towards society and local economies very seriously and aim to reflect that in our everyday activities
We are convinced that our strategy - powered by our culture and with the contribution of our people–helps us earn, keep and grow trust day by day and therefore makes us become the reference in our core markets.
Employees: 42 000
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Mastercard
is a technology company in the global payments industry. Our global payments processing network connects consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Mastercard provides superior network capabilities for businesses whose performance is integrally tied to their payment network. It ensures it’s able to continually adapt to shifting consumer demand.
Mastercard is the only network provider that has end-to-end proprietary loyalty solutions, coupled with expertise in both payments and consumer insights. Moreover, Mastercard is constantly innovating and investing in the future of (digital) payment, through Mastercard Labs and collaboration with start-ups. When it comes to safety and security, Mastercard is proactive instead of
reactive. Mastercard is changing the focus from fraud detection to an enhanced and safer consumer experience, with data insights that are only available through the global Mastercard network. Mastercard Belgium has its offices in Waterloo. Follow us on Twitter @MastercardBE_NL or @ MastercardBE_FR or take a look on our newsroom for the latest news. mastercard.be
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DIGITAL IDENTITY AS A FOUNDATION FOR THE FUTURE Onegini
European Customer Identity and Access Management (CIAM) leader Onegini, trusted by 45 million users and 200 labels, empowers financials to accelerate
DIGITAL IDENTITY AS A FOUNDATION FOR THE FUTURE. by building strong digital identities for their customers, digital transformation partners and brokers across all digital channels.
European Customer Identity and Access Management (CIAM) leader Onegini, trusted by 45 million users and 200 labels, empowers financials to accelerate digital transformation by building strong digital identities for their customers, partners and brokers across all digital channels. The Out-of-the-box Onegini Connect platforms supports web, mobile, chat, email to securely interact across those channels while staying compliant.
Key functionality is securing the customers digital and engage them The Out-of-the-box Onegini Connect platforms supports web, mobile, chat, digital identity and digital onboardin a meaningful way. That’s why 61% email to securely interactcustomacross those channels staying compliant. ing of new and existing of allwhile enterprises are planning to Keyatfunctionality is securing and digitalaonboarding new and ers the right level in line the withdigital identity implement Customer of Identity regulations. Access Management solution. and existing customers at the right level in line with regulations. If you want to be successful as a financial, you have to make your onegini.be If you want to be successful as a financial, you have to make your customers digital and engage them in a meaningful way. That’s why 61% of all enterprises are planning to implement a Customer Identity and Access Management solution. Clients include:
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Thales
Thales (Euronext Paris: HO) is a global technology leader shaping the world of tomorrow today.
The Group provides solutions, services and products to customers in the aeronautics, space, transport, digital identity and security, and defence markets.
Big Data, artificial intelligence and cybersecurity technologies that support businesses, organisations and governments in their decisive moments.
With 80,000 employees in 68 countries, Thales generated sales of 19 billion in 2018 (on a pro forma basis including Gemalto).
www.thalesgroup.com
Thales is investing in particular in digital innovations connectivity,
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Appian
Before Appian was a company, it was an idea. Not about a product or a market, but about the culture needed to sustain innovation and value. Appian was founded on the belief that talented and passionate people, given the power to be heard and the autonomy to excel, will deliver amazing results. Today, Appian is a recognized global leader in multiple enterprise technology markets. Markets called intelligent business process management systems (iBPMS), dynamic case management (DCM), digital process automation (DPA),
and low-code development. Regardless of what you call it, our mission is the same. We’re here to simplify what it takes to turn great ideas into powerful business applications that deliver significant value. www.appian.com
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Silver sponsors
Board
is a revolutionary All-in-One tool made by Finance people for Finance people. The goal of the platform is to help you modernize, digitalize and harmonize the way your Finance team is working. Come meet us to get an overview of all your possibilities and how you can build the Future of Finance within your Company ! www.board.com
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REINVENTING INVOICING AND PAYMENT
Digiteal
DLA Piper
Digiteal is also TPP (AIS/PIS). #payment QR code #scan2pay #ebilling #epayment
www.dlapiper.com
Finally a real alternative to paper bills! By mixing two existing worlds (bill’s presentation and payment), Digiteal brings to any organisation sending bills to consumers new innovative solutions that allow them to get paid faster, on a more regular basis and at a lower cost. Digiteal is certified as payment institution by the National Bank of Belgium and accepted by all the other National Banks of the SEPA zone.
DLA Piper’s unrivalled global platform allows us to provide our clients with strategic legal advice in each of their key markets and geographies, which takes into account legislative changes linked to geopolitical developments such as Brexit. Our full-service capability allows us to provide that one-stop service for all our client’s legal needs and affords us a deeper understanding of our clients’ businesses, enabling us to deliver enhanced value through more commercially focused advice.
www.digiteal.eu
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Ergomania
Gambit
Ergomania Product Design (Gold partner of FinTech Belgium) specialises in FinTech. Our team consists of 25 UX and UI experts. Our biggest achievement was introducing a Product Design framework to OTP Banking Group. Other clients include BNP Paribas Fortis, KBC, TresaurUp, Erste, Unicredit, and Western Union. We believe our clients are our partners, and only together can we form satisfying solutions. We offer UX research and design, UX concepts, Service design, UI design, and Frontend development.
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Gambit is a leading fintech providing digital investment advisory solutions, headquartered in Belgium with operations across Europe, Asia and Latin America. Financial institutions that put their trust in Gambit range from banks of various sizes, asset managers and insurance companies. Our customers operate in an industry that changes rapidly, that lead to their short- and long-term positions being challenged.Our bank grade technology has been demonstrated through various MIFID compliant deployments in both leading institutions as well as local challengers, e.g. BNP Paribas, Groupe BPCE, AXA bank, Beobank and Keytrade Bank.
www.ergomania.eu
www.gambit-finance.com
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Look&Fin
Projective
Look&Fin, is one of the top SME crowdlender in the European area of Belgium, Luxembourg and France with €70 million in loans to 230 SMEs. Selected companies can borrow from €50,000 to €5 million for any type of need. Lenders are retail investors and institutional investors. Some €30 million have already been repaid with an average annual net default rate of 5.5%.
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Together with our clients, we transform the financial industry by coaching and delivering the necessary innovations and changes. Our objectivity, pragmatic approach, network and unparalleled experience in the financial industry ensures the quick and successful delivery of our clients’ projects and programmes. You can find us in Brussels, London, Amsterdam, Frankfurt and Paris. We get the job done, on time and within budget.
www.lookandfin.com
www.projectivegroup.be
INDIVIDUALS FINANCE YOUR BUSINESS UP TO 5 MILLION € 34
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ROCKESTATE
Qover
Rockestate
Qover created the first global “Insurance-As-AService” platform. Qover operates as a digital wholesaler for insurance contracts that can be sold under another brand. Qover enables any insurer or bank to easily digitise insurance products or integrate them into their digital ecosystem through open APIs.
is a data science startup founded in 2017 in Brussels, Belgium. Rockestate builds products that help mortgage lenders and property insurers improve their risk management and make the customer journey of the products they offer frictionless. The starting point for doing this is open geo-data which Rockestate uses to calculate 3D models and building characteristics for each and every house in Belgium (and possibly Europe in the future).
www.qover.be
www.rockestate.be
Digitise your client experience & open new distribution channels Visit qover.com
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DIGITAL FINANCE
Simont Braun
Tink
Simont Braun is the pioneer FinTech law firm in Belgium. Since 2014 onwards our Digital Finance Team gathers renowned experts combining experience in tech, financial law, ICT and data protection, to assist both start-up disruptors and traditional financial institutions switching to the digital age. The team is deeply integrated into the local financial ecosystem, specialised in guiding foreign entrants through the Belgian regulatory landscape and very well connected with regulators and the academic world.
Tink launched in 2012 with the aim of making banking better, pioneering technology that creates improved customer experiences and brings more financial clarity. What began with a consumer app has today become a platform that offers the tools to let anyone build the future of financial services across Europe. www.tink.com
www.simontbraun.eu
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Treezor
UI Path
Treezor is a certified French e-Money Institution, which benefits from the European passporting to rollout its services across the EEA. Launched in 2016 (acquired in 2019 by Societe Generale) the Bankingas-a-Service platform offers white label payment solutions by API. It allows companies to integrate the banking services they need, regardless of their project: digital banking, card program, expense management…. Treezor gives the ability to outsource payment services to one single partner, managing the entire payment chain from acquiring to issuing: SEPA processing, card processing/issuing/acquiring, KYC…It accelerates the time-to-market of Fintechs and Financial Institutions.
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UiPath helps companies automate repetitive rulesbased business processes using software robots. Financial companies have been the earliest adopters of our AI-powered Robotic Process Automation (RPA) platform, leveraging automation to increase efficiency and compliance, reduce errors, and drive employee satisfaction. Our robots can tackle anything from data entry and cash applications to complex tasks that require the introduction of AI, ML and cognitive technologies, while achieving a ROI in as little as 2 months. www.uipath.com
www.treezor.com
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Moneytrans
Monizze
www.moneytrans.eu
www.monizze.be
Based in Europe & Africa, Moneytrans is a reputed payment institution, duly licensed in Europe and Africa with 20 years of experience in connecting people and enabling families to transfer money in the most convenient way and at the most affordable prices. Over the years, we have widened our range of services: FX solutions, bill payments, prepaid cards, mobile top up and customized payment accounts in IBAN format to hence further contribute to the financial inclusion of our underbanked migrant customers.
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Monizze connects people and companies by developing management and transaction platforms that contribute to their wellbeing and performance. Employees get a single card containing all their extra-legal benefits (meal, eco and gift vouchers). It entered the market to provide an alternative to companies by focusing on a digital and easy-touse solution, a competitive pricing and an excellent service. Monizze simplifies the daily life of its 35.000 companies, 25.000 merchants and 400.000 employees.
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Bronze sponsors Sagacify
Sagacify is a company specialized in artificial intelligence. We help organizations in their transitions to AI by developing and integrating customized solutions. In particular, we help companies automate repetitive and mundane tasks and increase people’s expertise, allowing people to focus on higher value-added tasks that cannot still be delegated to machines today. We specialize in the insurance & accounting sector, including automation in the field of customer support and claims management.
Degroof
Degroof Petercam is a reference financial institution with a history dating back to 1871. As an independent group owned by family shareholders with a long term commitment, we serve private and institutional investors.
Headquartered in Brussels, we employ around 1 400 professionals through offices in Belgium, Luxemburg, France, Switzerland, Spain, The Netherlands, Germany and Italy.
www.safacify.com
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Remove Watermark Parkeerplaats betalen Maaltijd- & ecocheques checken Deelfietsen huren
Treintrambusticket fiksen
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Dienstencheques bestellen
KBC MOBILE. ZOVEEL MEER DAN BANKIEREN ALLEEN. Word klant en download KBC Mobile.
kbc.be/mobile
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Floor plan
Terminal 3
Terminal 2
Terminal 1
Expo
Speaker Lounge
Business Lounge
Networking area Cloakroom
Buffet
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