Amazing contribution to the 5th Annual Medical Tourism Conference in Zagreb

The small anniversary – the 5th edition of the Annual Medical Tourism Confernece & Workshop ( was marked with a record breaking attendance. Held in the Opera room on the 17th floor of Westin Hotel and the Crystal Ball for the Workshop, delegates have enjoyed an extensive an extensive 3 day program and grasped the learning and networking opportunities our event in the beautiful city of Zagreb


The Conference program offered 21 presentations in 7 different sessions on 13th and 14th of March.
The effects of the Cross-border Healthcare Directive (EU Directive 2011/24 ) and new trends in the cross border healthcare services created a perfect blend for a brief Overview of the industry. Illaria Giannico Secretary General of the European Union of Private Hospitals and Elizabeth Ziemba – President Medical Tourism Training. Right after the floor was open for the first panel discussion where Buyers of medical services were discussing the developments in the international medical tourism market.


Right after the networking break, the energetic presentations from Ognjen Bagatin, Clinica Bagatin and Stelious Kouvaris, Iatropolis provided an inside on how Clinics from the Balkans have overcome the challenges and today are recognized as successful case studies of internationally recognized brends.

Ilse Bertels open the 3rd session with presentations on dos and dont’s in use of digital media as a communication channels. Later in the session, the attendees had the opportunity to hear presentation from the pioneers Daniel Coulton Shaw, Global Clinic Rating and Claudia Mika, Temos International on reaching new patients and improving communication and evaluation on customer experience.

The presentations from Irving Stackpole, Stackpole & Associates and Carine Briat – Hilaire & Iulia-Maria Apostu from France Surgery were both dedicated of the possibilities and benefits the Telemedicine offers to patients and clinics. The day was closed with the presentation of Maris Luks from AmberLife Cancer Clinic.

The second day of the Conference was opened with 4 presentations that looked trough the prism of medical traveler. Joe Sweet presented the insides of the patient experience journey and the use of cutting edge technology in Cleveland Clinic’s.

                                                    ” Joe Sweet presenting “Creating a consistent approach to high quality patient experience”

Lutz Lungwitz presented the Wellness market trends, while Dimitris Kavakas from Redia IVF and Tatyana Sokolov from Medica Tour presented insides from the fertility market and the Russian and CIS markets, respectively.

Ognjen Bagatin, Claudia Mika and Maris Luks join the floor again for the panel discussion “How should clinics respond to ever-increasing patient demands?”
Glordana Kalan Zivcec, Medico Veritas and Miljenko Bura, Medic Group and presented on building platforms and conditions for serving international patients.
The last session was marked with successful stories on adapting to new trends in the industry. Sharing their knowledge in the last sessions were Mirna Turcinovic from Gyncare and Vlasta Brozičević from Terme Selce. Kim Katrin Lagoda and Monika Figuerola Martin explained how Helios and Quirónsalud use expertise in patient care and quality management across borders.
The Conference was closed with the presentation of Alexander Zakucia who presented his secrets for customers acquisition and retention.



Participants power meetings at the B2B Workshop

For the first time in 5 years we have hosted a B2B Workshop for partnering clinics with buyers of medical tourism. During the 5 hours of workshop participating clinics and buyers of medical services had the opportunity to have tet-a-tet meetings to discuss possibilities for future collaborations. The event hosted participants from 17 countries offering diverse opportunities to all participants to close new business deals.



The photo album of the 5th edition of the Annual Medical Tourism Conference & Workshop could be find at the following link (



Presses the bank giants: New technology can save the Swedes two billion a year

“If the average interest rate on blank loans is reduced by one percentage point, the Swedes will save two billion a year,” says Nicholas Sundén-Cullberg, CEO and founder of Lendify – who aims to be the largest in the fintech market.

Thanks to new technology, both investors and borrowers can get better conditions – and also gain access to a modern, customer-friendly and completely digital service, with higher transparency between investors and borrowers.

“We take borrowers and investors closer together, we disconnect all unnecessary intermediaries. Instead of the banks making big profits, the borrowers get lower interest rates, and the investors higher returns, ”says Erika Eliasson, IR manager at Lendify.

Cheaper than the bank
The technology cuts costs and creates the conditions for providing a better service and user experience. Lendify is working on a completely digital platform, where no old structures or substandard IT systems are in trouble.

“The banks often have old IT systems. In many cases they have a number of third-party suppliers of IT systems, and I know that if we instead build from scratch, without third-party suppliers, then we will be able to be faster in the changes and keep costs down, ”says Nicholas Sundén-Cullberg.

See the other movie in the miniseries “Challenge the Bank”

Better service
Because the platform is completely digital, unnecessary intermediaries and long processing times are cut – which means that you can invest more in personal service.

“We started the company with an ambition to be a positive force that contributes to improving the economy for Swedish households, precisely by challenging old structures and models. We will reduce the cost of borrowers and this has already begun. We have seen a price pressure on the entire market at the end of 2017, and we believe that we are the driving force, ”concludes Nicholas Sundén-Cullberg.


Exclusive! Expectations for this year’s edition of Medical Tourism Conference from Ognjen Bagatin, Bagatin Clinic’s CEO

Poliklinika Bagatin has been our partner at the Medical Tourism Conference for a while now. What are your expectations for this year’s edition?

Ognjen Bagatin: Yes, we are really proud that this is our third year of partnership with EUROEVENTS and that after our partnership in Warsaw and Berlin we are hosting the 5th Annual Medical Tourism Conference in Zagreb this year. Our goal is to bring top clinics together again, round up the top knowledge from Europe and the world, and to get top facilitators so we can all learn from each other and grow together.


It is the first time we are coming in Croatia with MTC, could you tell us a little bit more how you feel about this, bearing in mind that this is your home country and where Bagatin Clinic is based?

Ognjen Bagatin: Zagreb and Croatia are becoming a medical tourism hotspot and working together on its promotion is something I am really excited about. We are now opening our Clinic in a new location, in the heart of Dalmatia, the beautiful city of Split, and we expect a lot from medical tourism which has great potential in such a tourist city. We wish to raise the quality of medical services for both our domestic clients and the tourists that visit us. The fact that Croatia is a top tourist destination and hotspot according to many tourism and leisure magazines and websites only contributes to the overall attractiveness of the destination and makes it easy for the branding of medical tourism. This is the time when we want to “roll the wheel” and fortify the status of Croatia as a medical tourism friendly and attractive destination, with an ample offer of medical services and options for all types of medical and tourist visitors – all year round.


What is your main focus? Inbound or outbound patients?

Ognjen Bagatin: As we are on the market for 24 years now and are already well-known among domestic clients, we are currently focusing on clients from abroad. Our main focus is patient inbound. Each year we grow 54% in the arrival of foreign clients which only proves our quality and the quality of destination. At the moment we derive most of our patients from the Austrian, Swiss, German, Slovenian and Italian market, and what we are especially excited about is the increase in the number of patients coming from USA, Australia and New Zealand. They are mostly coming for dental treatments and plastic surgery procedures. Last year we had patients coming from 39 countries form all around the world.


How do you think Croatia can become more successful in attracting foreign patients and increasing the numbers?

Ognjen Bagatin: With better positioning and branding of the destination and, before all, communicating more efficiently with 19,000,000 million tourists visiting us almost every year.
We are very optimistic when it comes to the future of medical and health tourism in Croatia. Considering the global medical tourism industry growth is poised for 15-20 % growth year over year, a portion of this domino effect and impact will, in fact, be felt in our country as well. With additional efforts to be made I think there is no doubt about it, and, as for everything else, it takes time but, as I said earlier, I think we are on the right track. Not to mention the fact that the retention of the medical staff and the brightest of the bright at medical schools all over the country as well as in Croatian hospitals and clinics would therefore not be called into question. This is something I will talk about in my presentation.
Several routes exist out there; from B2G options, to facilitator models all the way to insurance companies and large international employers functioning on self-funded health plan/insurance basis. With careful and targeted synergies, research, partnerships, governmental support and planning only the sky is limit for the Croatian medical tourism!


And lastly, could you share some interesting anecdote that you have with international patients at your clinic?

Ognjen Bagatin: Hmh, I can´t actually recall some anecdote (although I´m sure there are many 😊) but what I always do remember are the nice, positive stories of our Clients. One of them is definitely a story about Mr. Carl Faulkner, our Client from USA who came via Qunomedical last year around Christmas. This is a powerful, emotional, life changing story definitely worth reading so that is why I will not go into more detail but will link the story bellow:


If you would like to hear more from Ognjen Bagatin, don’t miss his presentation at our 5th Medical Tourism Conference in Zagreb, March 13th – 14th 2019.

Save the dates and register here:


Following the huge success of our previous two editions, EuroEvents is proud to present this years’ Digital Payments Forum 2019: Shaping the Future of Banking.

The DPF2019 will bring together the leading banking experts which will analyze the challenges that the banks are facing nowadays as well as discuss the different strategies needed to be implemented in order to attract new and retain existing customers.

We will hear the latest industry news, lot of case studies and success stories and, as the implementation deadline approaches, we will take a look at the PSD2’s Regulatory Technical Standard (RTS) and the affect it will have on banking.

Digitization has fundamentally transformed banking as we know it today. Instant payments are changing the global payments landscape since the introduction of today’s electronic payment mechanisms.

With the rise of new digital technologies developed in the last decade by the FinTech, consumers nowadays have a wide range of payment products to choose from and they are quickly adopting them. But how quickly are the banks adjusting to these market changes? Can they keep up with the Tech giants and the challenger banks?
Join us this May in Vienna to find out what the top innovative European banks are doing in order to follow the digital trends, keep their position at the competitive market and how they keep their customers thanks to the innovations that drive their success.

Use this opportunity to network with the industry leaders and to formulate new strategies and business models in order to stay ahead of the competition.


Insurers are now embracing and leveraging new innovations that offer customers the choice and speed they’re looking for.
Today’s insurers must meet the growing customer demands for convenience, choice, a personalized experience, and a faster, automated service across the whole insurance journey, from purchase to first notice of loss (FNOL) to settlement.
At the same time, they have also seen the insurance industry starting its own makeover, from being a late-adopter cautiously eying new technologies, to embracing and leveraging new innovations that offer customers the choice and speed they’re looking for, with the added bonus of reduced loss adjusting expense and more accurate loss estimates.
The 4th Annual Insurance Claims Forum will look to the latest trends and updates from a market view, discussing the potential of AI and all advanced technologies, sharing how the big players are maximizing clients satisfaction and raising their efficiency and quality of their services.


The second edition of the Next Gen Travel Insurance Conference aims to bring together the world’s most prominent industry players to explore the possibilities of lighting the future.
The goal of NGTI 2.0 is to create an environment of empowerment and inspiration, enabling the attendees to leave the venue with a breakthrough in their professional performance. The main topics this year will be the revolution of travel, customer focus, challenges within the industry and the right mix of distribution and sales techniques. The discussion will then continue with fraud management and new application developments, also including aero-medical transport and health risks. The panel discussion on Day II is incorporated in order to extract the maximum of the debate for technological advancements and the role of digitalization as well as cellphone based assistance in the Travel Insurance Industry. Moreover, as an additional value in the program, there will be case studies included, connecting the theory with the practice and taking a sneak peak in the approach of other companies.

NGTI represents the leading boutique and business-oriented event on Travel Insurance in Europe, always focusing on most popular developments within the industry, hosting the best speakers in the field.

Join us in Barcelona to discover a spectrum of opportunities!

Great practical cases and innovative technologies of Blockchain gathered in Frankfurt

Amazing impressions were gained at our first edition of Blockchain Finance Summit. Frankfurt seamed as the perfect venue for such gathering, and the main European finance HUB fulfilled ours and delegates’ expectations; Furthermore, Commerz Bank had a great host-partner role at this Event.
We started the Day 1, focusing on discussion of ‘what’s behind the Blockchain hike, Is it regulated and how much do we know about it? This presentation was done by, Mr. Davor Gasparac, Erste Group – Austria. We warmed up the morning with few presentations focusing on the latest technology innovations, Advanced Blockchain Solutions from Germany, amazing presentation by Ms. Chanmeet Kaur, from ABN AMRONetherlands followed by Mr. Huber from Commerzbank – Germany, as our Chairman of the Conference.

We continued the day with the technical presentations and best practices shared by the leading European organizations, Deutsche Bank – Germany and Swiss Reinsurance from Switzerland. Great impressions and great presentations, very educative and appealing. The Day1 ended with an hour of Panel discussion on the topic: “Collaboration between Banks and their combination based on a different Blockchain platforms.” Panel participants were Ms. Beisenbach from ING Bank Netherlands, Mr. Adamonis from Bank of Lithuania and Ms. Monteverde from Banco Santander, Spain. Moderator of this Panel was Mr. Huber, who did a great job, raising the discussion and covering all the major and hot areas on the topic.

We approached the end of the Day 1, with great impressions, from our delegates and great expectation for the upcoming Day2.

The second day started with an interesting presentation of Mr. Vingerhoets, Belfius Bank & Insurance form Belgium. It was intriguing to hear different perspective of blockchain implementation from a Belgian Bank. We continued with an amazing and very educational presentations in regards to crypto-world, shared by Ms. Kutt from Frankfurt Blockchain Center, and Mr. Knijff, Blockchain & Tocken proposition Builder Company from Netherlands. After the successful networking session, we continued on stage with Matthew Commons of Cambridge Blockchain and the discussion of Mr. Dhar from Lloyds Banking UK, about KYC process. Commerz Bank were an interesting addition of the day with their practical use of blockchain case presented by Ms. Alexandra Rimpu. We ended up the Conference with an open discussion followed by a short presentation of B3i, Mr. Ken Marke, Chief Marketing Officer. This was an impressive discussion and presentation for the consortium and currently running alliances among Insurance Industry.

Special thank you to the Partners and the Chairman Mr. Hans Huber, who brought their efforts for successful completion of the event. Very beneficial for us as organizers, are the great impressions of our delegates and meeting their expectations for both days.

With great example, road-map and experience we are looking forward for the next Blockchain Finance Summit 2019!


Microfinance sector in India and Equitas entrepreneurship programs

Youth is the Future of every nation & inheritors of the earth tomorrow. When a country has a healthy youth population, you will find the country making headway in terms of overall development and progress.
The world today has transited into a ‘Technology Era’. Technology has enabled progress in all fields and all societies. Technological revolution has changed the face of lives of people bringing healthcare, information and connectivity to even the most remote areas that were hereto isolated.

John Alex, Group Head-Social Initiatives from Equitas, Small Finance Bank & Program Director-Equitas Development Initiatives Trust, our speaker at GMS 2019 in Istanbul as an expert in this field shared his opinion about the microfinance sector in India and programs that Equitas bank provides.


  • How is the current microfinance sector running in India? Upsides, downs and potential opportunities for further development?

Microfinance has evolved into a vibrant Industry exhibiting majority and growing into a variety of business models. MFI’s in India exists as Not for Profit entities like Trusts& Societies and for profit institutions like NBFC’s Banks, Cooperative societies, Regional Rural Banks and other larger lenders have played an important role in providing refinance to these MFI’s, many Banks have also leveraged the SHG’s channel either directly or with Government subsidies

With Financial Inclusion emerging as a major policy objective to reach the unreached in the Country, Microfinance has occupied centre stage as a promising conduit for making credit easily available to the unbanked segment of the society. At the same time, the practices followed by certain lenders has subjected the sector to greater scrutiny, which by and large has been welcomed by all stakeholders, in a way the model is now well established and accepted.


  • Since the microfinance sector is changing fast, please tell us what is the future of microfinance?

The microfinance sector is changing fast: the supply continues to grow in loans worldwide and a 5% growth in the number of customers in 2017. Services, actors, regulation and technologic innovations are changing for microfinance tomorrow remains an alternative to banking services for more than 2 billion people still excluded from the traditional banking system globally. The banking sector, the increasing role of new actors, the expansion of services offered to clients, but also the importance of control in a maturing industry will be the big topics of microfinance in the next decade.


Financial inclusion in 10 years?

The sector of inclusive finance will continue to expand beyond traditional microfinance institutions.
New actors such as mobile operators and distribution networks will increase the offers of financial services and products at lower cost to reach the poorest and most isolated populations. The online banks and the new technologies will also market these large scale offers.
The regulations will be more focused on client protection than institutions, processes or products.
The financial inclusion will become a reality in most regions that are currently excluded, with the exception of a few very isolated locations.


Structural changes expected:

Technological advances will cause major structural changes in the sector.
Digital finance and mobile banking allow already a larger number of people to access financial services and products.
Thanks to technological innovations, not only the contribution of financial services is more diversified – offering credit, insurance and savings products – but these new low-cost payment infrastructure also give other services and public facilities more accessible to the poor, such as water pumps or sunlamps.
This type of innovation will rise with the spread of mobile banking services in the developing countries.
Niche actors, such as small financial institutions like Equitas and agent network managers( one stop Banking Outlets), will emerge and try to get a place among the big banks and small customers.
Simple and easily marketable products will be needed because the banks will not be able to train their agents, scattered throughout the country, with specificity of complex products.


  • How to increase the impact of microfinance in poor areas?


1. Better understand the needs of the poor and study their preferences, their financial behavior.
2. Translate this knowledge into products that are better adapted to their individual needs and affordable. It is also necessary to ensure that the services available to the poor enable them to improve their living conditions.
3. Promote the protection of clients in institutions through a combination of insurance, savings, retirement products and develop commitment to customers to develop financial education.

The changes in the sector of microfinance will be carried by newcomers and organizations specifically targeting customers outside the microenterprise segment.
The arrival of these new actors will undoubtedly provide a broader and more diverse customer base, including the poor but also the less fortunate who are still financially excluded. These organizations work with tighter margins than most MFI , but should be able to manage it thanks to higher volumes.
This process will take some time, but by 2020, we will see some of these new financial actors pushing the MFI to become competitive or further specialize in the niche market of micro loans that they perfectly manage. The result will be a healthier, more diverse market, and especially more financial inclusion.
I think there is a very big opportunity waiting out there.


  • What are Equitas Bank entrepreneurship programs covering?


Amt in Crores( 1 crore Indian Rupees=142000/-USD)

(Small business loans includes Housing especially affordable housing to over 10000 clients average loan size will be USD 9500/-)










  • Is it easy to approach them? Who can apply? and What administrative procedure needs to be followed?


While there is still a huge Demand supply gap, we have loan officers with fixed targets to reach out to those that do not have access to easy credit for want of income proof, we have designed a matrix for them and do the credit assessment based on certain key parameters and extend loans that would otherwise be a distant dream as most of these clients would not have financial proof of income, IT clearance but however have a substantial income flow.

Who can apply: any person above the age of 18years to 55 yrs with proof of KYC and either with an existing business or with proven business acumen especially for young and persons with disability( we financed more than 25000 women with disabilities of whom over 4000 are blind women and recently started loans for Transgenders and have included over 200 in group loans.
Typically the time take for processing a loan is from 5-15 days.
All field staff canvassing for loans have Tablets and tech driven, with options to make online mobile/ internet repayments.
For MFI loans it is unsecured and group guarantee for other bigger loans either with primary or collateral security.
For housing loans- clean title of house.
Mortgage loans.

Loans for purchase of used commercial vehicles for first time users.


  • What are yours (Equitas Bank) intentions for International development? In the seance of Central Asia (Caucasus region), Middle-East and Turkey.


Well honestly we do not have any on International expansion plans, the Indian market is so big and with such a huge demand -supply gap, we have our hands full and want to make a name for ourselves as a “BANK THAT UNDERSTANDS SMALL & MICRO ENTREPRENEURS BEST” in a Fair and Transparent manner

If you want to hear more, don’t miss his presentation at our Global Microfinance Summit in Istanbul.


This will be your unique opportunity to meet the experts from microfinance world.


Register here:

For more info please visit our conference website:

Housing Microfinance in Europe – expectations, predictions, programs from Peter Surek – Erste Group

A safe and stable home is an essential requirement for a decent life. It offers a vital foundation for health, education, and the opportunity to work.

For those who own their home, it is also often their greatest financial asset. In the developed world, housing finance is synonymous with mortgage lending. It is a key element of the economy and the banking sector. Housing microfinance loans have relatively short repayment periods, small amounts, and little or no collateral required.

Peter Surek our speaker from Erste Group will exhibit and present about Housing Microfinance in practice and Housing Programs in Central Europe at our 3rd Global Microfinance Summit in Istanbul.

As an expert in this segment he shared his experience about Housing Microfinance in Europe and Erste Group programs:


  • What are your expectations for the GMS_2019 following the experience from last Summit in Vienna?

I am looking forwards to meet again the key European players in microfinance sector and exchange new developments of their activities.

At the same time with extending the regional scope of the conference I expect interesting discussions on the microfinance approaches implemented in the other continents.


  • What do you think about Housing microfinance segment in CEE Europa?

One might think housing microfinance is something for third world countries and has no practical use and therefore no place and in Europe.

Looking at the shocking Eurostat housing deprivation figures of underprivileged Europeans accompanied by stricter regulatory framework disabling mortgage financing for low income people, housing microfinance suddenly appears as one of the helpful tools.


  • Erste group Housing programs and whom they are meant for?

We have initiated Housing program designed for excluded Roma communities in eastern part of Slovakia.

Entering these marginalized communities one would not believe being still on the territory of European Union. Our pilot project holistically embeds multiple components needed to achieve sustainable impact such as social work, financial literacy, regular savings, housing microloan and construction supervision.


  • What are predictions and expectations for 2019-2020 in regards to housing microfinance segment at mentioned region?

Our project requires substantial philanthropic funding for the supporting social services which were until now to high extent covered by ERSTE Foundation. Dependent on support from the public sector we intend to catalyze construction of 100 – 500 houses in the most deprived areas within the upcoming 2 years.


Want to hear more from Mr. Peter Surek? Don’t miss this unique chance to meet him in Istanbul at our 3rd Global Microfinance Summit! Euroevents is pleased to invite you in the inspiring and exciting city of Istanbul on the 24 – 25 January 2019.

Book your seat here: