As Head of Product Payment Services & Issuing at paymenttools, Nenad Klarić is responsible for the strategic development of innovative payment solutions for large-scale retail. His particular focus is on the seamless integration of complex payment infrastructures into modern, digital commerce ecosystems. He believes that future-proof payment extends far beyond mere transaction processing and must be deeply embedded as a strategic core component throughout the entire customer journey. With this holistic perspective, he drives the transformation to highly functional payment platforms that meet technical and regulatory requirements without compromising user-friendliness. He actively contributes his expertise to industry discussions at conferences to collaboratively advance the transformation of modern payment transactions.