Cards_12

Conference & exhibition

www.efma.com/cards

Cards and payments, 10

anniversary A new age of speed, efficiency and connected customers th

Paris, 25-26 September 2012 Concorde La Fayette hotel Best practices in retail financial services more information on www.efma.com

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Cards and payments, 10 th anniversary A new age of speed, efficiency and connected customers Scan this QR Code on your phone and access event regular updates.

Payments world

There has never been a better time for connected key banking industries to share a common vision of growth in cards, payments and mobile transactions and tackle challenges to go beyond economic instability.

This year, Efma has developed a new venue offering a one-stop Payments world agenda:

Cards and payments Mobile and advanced payments These two conferences aim to re-define the payments universe in one cost-effective event format. The agenda will gather experts to discuss emerging innovations and best practices in a new era of payments.

The Efma annual Cards and payments conference is Europe’s leading industry forum for this important sector.

Over the past ten years, we have welcomed over 3,000 leading payments professionals and have provided a 360 degree perspective across the whole payments value chain.

A time of transformation Unprecedented changes are sweeping the payments industry. There is growing competition and pricing pressure, increasing regulation, an unstable macroeconomic outlook and changing customer demands. Only those organisations that are able to adapt, transform and link their businesses to more efficient operating g models will prosper in this emerging payments landscape.

New dimensions to enhance the core focus The agenda explores the payments universe, examining emerging trends and nd the growth of payments revenues across international channels. Regulation and standardisation continue to be important issues. The conference will discuss topics, including the question of whether the full replacement off the fragmented national payments systems with SEPA can be achieved without further regulation. The core focuss will continue to be on debit versus credit, card acquisition strategies and e-commerce solutions for growth.

This year’s conference will focus on various topics, including: • • • • • •

How SEPA will deliver its full potential and provide greater benefits for all The optimum mix of payments instruments across cards and e-paymentss Relationships with retailers, challenges in cross-border acquisition evenues How to build the best mix across credit, corporate, cash and payment revenues Key ways to gain market share in the digital financial services payments sector Innovation and growth potential in prepaid, gift and reloadable cards

Study presentation Key findings from this year’s report will be presented: World payments report 2012 by Capgemini, RBS and Efma

www.efma.com/cards

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Wednesday 26 September 2012

Tuesday 25 September 2012 8:15

Welcome coffee and registration

8:15

Welcome coffee

9:00

Opening address

9:00

Opening address

9:10

Javier Perez MasterCard Europe

9:10

Nina Bibby Barclaycard

9:30

Gary Greenwald Citi

9:35

Algirdas Shakmanas Promsvyazbank

9:50

Questions & answers

10:00

Questions & answers

10:10

World payments report 2012 Capgemini, RBS and Efma

10:30

Break

10:40

Break

11:00

Pedram Tadayon Nets

11:10

Tarek El Yafi Standard Chartered Bank

11:20

Eric Tak ING

11:30

Aivars Belis Tieto

11:40

Michiel Steeman Nyenrode University Esther Liskamp Philips Electronics

11:50

Questions & answers

12:00

Questions & answers

12:10

Andy Makkinje Equens

12:30

Lunch

12:35

Interactive discussion

13:50

Fiona Duncan Western Union

13:10

Lunch

14:10

Isabella Artioli UniCredit

14:30

Paul Marriott-Clarke Metro Bank

14:30

Questions & answers

14:50

Amy Parsons Discover Network

14:50

Break

15:10

Hasan Erdal TEB

15:20

Ceu Pereira The World Bank Group

15:30

Questions & answers

15:40

Serigne Dioum MTN Mobile Money

16:00

Break

16:00

Questions & answers

16:30

Javier Santamaría EPC

16:20

End of conference

16:50

Jean-François Denis BNP Paribas Fortis

17:10

Questions & answers

17:30

End of day one

www.efma.com/cards

Tuesday 25 September 2012

Morning

Advances in global growth: present and future changes Javier Perez President MasterCard Europe Belgium

Gary Greenwald Managing Director Digital Money Services Citi Global Enterprise Payments United States

Managing growth in payments: harnessing innovation – safe, simple and smart choices for today’s consumer - Pioneering safe and convenient new ways to pay - Supporting sustainable business models - New customer loyalty and meeting the new customer experience challenge

Setting up a global payments proposition around the digital economy - Convergence as a driver for the global digital economy - How to survive and capitalise on new world opportunities - Re-gaining power in transactional capability - Case study: setting up a new business, Citi Enterprise Payments

Study presentation Jean Lassignardie Global Head of Sales and Marketing Capgemini Global Financial Services Simon Newstead Head of FI Market and Business Strategy RBS International Banking World payments report 2012: the dynamics of regulation and innovation in the payments market - Global and regional payment trends including developments in non-cash instrument usage - The relationship between regulation and innovation - Payments innovation from banks and non-bank players - Creating differentiation while meeting future business and customer needs

Innovation and growth Tarek El Yafi Managing Director Global Head, Cash Transformation and Corporate Payments Standard Chartered Bank Singapore

Aivars Belis Lead Business Architect, Cards Tieto Latvia

Andy Makkinje Executive Advisor Equens Netherlands

Underpinning innovation and new product launches: modernising payment systems - Making the case for change - Key barriers to change and how these can be overcome - Accelerating new product development and shortening time-to-market - Growing payment receivables across branches, online and other channels

Implementing next generation payment management systems - Payment market consolidation: the key drivers – PSD, SEPA and PCI compliance - What infrastructure is needed now? Underpinning change to compete - Increasing customer service and faster time-to-market - Transformation via new delivery models payment hubs

Industry focus interview - Contactless: the last physical step in card acceptance?

- M-commerce: is it full of dreams for the future ?

- International acquiring: is anyone prepared to pay the bill?

Cards & payments leadership discussion: Innovation, performance and competition Jean Lassignardie Global Head of Sales and Marketing Capgemini Global Financial Services Simon Newstead Head of FI Market and Business Strategy RBS International Banking Tarek El Yafi Managing Director, Global Head, Cash Transformation and Corporate Payments Standard Chartered Bank Ruth Wandhöfer GTS Head of Regulatory and Market Strategy Citi Global Transaction Services Guido Heyns Executive Advisor Group Payments KBC Global Services

www.efma.com/cards

Tuesday 25 September 2012

Afternoon

Card issuing: portfolio optimisation among higher stakes Driving growth in local banking with service and convenience - Using service and convenience to drive acquisition - Value not price - Investing in surprise and delight (instant issue cards and cheque books) - Fans not customers

Paul Marriott-Clarke Commercial Director Metro Bank United Kingdom

Future trends and business opportunities in credit cards - The impact of the recession: debit vs. credit usage - Consumer debt and a new role for credit cards - Working with merchants and financial institutions to provide new experiences - New credit card product offerings for the emerging credit consumer

Amy Parsons Vice President of International Acceptance Discover Network United States

TEB-Total card: using card innovation as a driver for rewarding customer experiences - Developing innovations around card applications and POS machine - Joint retailer and bank rewards: bringing back card rewards with a twist - TEB-Total card case study: 250,000 new customers in the first year

Hasan Erdal Vice President Card Payment Systems TEB Turkey

SEPA bootcamp: are we ready yet? A time of transition Javier Santamaría Chairman European Payments Council & Senior Vice President Santander Spain

Jean-François Denis Head of Payments and Local Offer Cash Management BNP Paribas Fortis Belgium

Best practice strategy and roll-out models - Benefits to corporate customers: what does SEPA offer, early vs. late adopters?

- Examples of organisations who are already winning with SEPA

SEPA: managing the transition - SEPA, becoming a frontrunner: what have been the key barriers so far?

- Addressing the challenges and building the right team - The end date: what are the scenario’s

www.efma.com/cards

Wednesday 26 September 2012 Morning Customer payment experiences: loyalty, the forward journey 360 consumer loyalty: marketing from branch to digital channels - Shifting gear across 360 channels - Changes to acquisition, retention and customer service - Embracing social media to improve consumer experience and engagement - Key marketing tools in cards, payments and mobile

Nina Bibby Global Chief Marketing Officer Barclaycard United Kingdom

Product launches and customer experiences: creating a ‘social bank’ in Russia - Taking the first steps towards a truly social bank - Dealing with expectation mismatches: realignment of top management - Building social into a cross-channel, customer loyalty strategies - Deepening loyalty in a highly penetrated traditional market - Costs: managing the need to win back ‘social spend’

Algirdas Sakmanas Head of Retail Internet Banking Promsvyazbank Russian Federation

Card acquiring: partnering for innovation

Pedram Tadayon Senior Vice President Business Expansion Nets Denmark

Eric Tak Global Head Cards, Cash and New Business ING Bank Netherlands

Michiel Steeman Senior Researcher Nyenrode University & Esther Liskamp Vice President Procurement Philips Electronics Netherlands

www.efma.com/cards

Emerging strategies for acquirers: repositioning products, partnerships and operations - PSPs and processors: forming a new base for expansion - Forcing transparency in operating procedures and pricing - Integration of infrastructure and IT: achieving economies of scale - Innovations in converged payments and the implications for merchants

Connecting cross-border acquiring with needs of multinational merchants - Acceptance of all relevant payment cards including non-Visa/MasterCard domestic schemes - Combining acquirer and processor efficiencies to build critical mass - Impact of the different levels of PSD implementation in Europe - Consolidated payment flows

Supply chain finance: getting there first or… losing out - Exploring the scope of supply chain finance, what does it really mean?

- Dominant multinationals: their true role in financial supply chain optimisation - How do large multinationals leverage their purchase power?

- How will the banking sector benefit?

- What is the need for cooperation and collaboration?

Wednesday 26 September 2012 Afternoon Prepaid: re-set for growth Innovative ways to engage consumers and increase prepaid adoption - Identifying key drivers for consumer engagement and prepaid adoption motivations - Which value added services could make your product stand out ?

- Charges and fees: how does your offer compare with competitors?

- What brand initiatives offer optimum ROI ?

Fiona Duncan Vice President, Prepaid Western Union United Kingdom

Isabella Artioli Head of Debit, Credit and Prepaid Cards Italy Global F&Sme Payments UniCredit Italy

Prepaid strategy evolution: from consumer products to business products - Italian card market overview - Prepaid cards strategy overview - UniCredit card “Business Easy”: new UniCredit prepaid card for business with innovative features - Cross-selling: users of business prepaid cards as potential new customers

Expanding your reach across mass market underbanked growth sectors

Ceu Pereira Senior Payment Systems Expert Financial and Private Sector Development The World Bank Group United States

Serigne Dioum General Manager Mobile Money for WECA MTN Mobile Money South Africa

Reducing the cost of international remittances: the CPSS/WB general principles for international remittances services - International remittances: definition and worldwide trends - The “5 X 5 objective”: international efforts towards the cost reduction - The role of the World Bank and the general principles - New technologies and international remittances: current situation and future scenarios

Building transactional growth through innovative mobile remittances and bank partnerships - Overcoming issues around credit worthiness: targeting the unbanked - The advance of mobile banking and payments domestically and impact on remittance market - Opportunities and challenges faced in shifting traditional remittance channels to mobile alternatives on the send and receive side of the transactions - Working with the regulators to define the business models for cross-border remittances

Interactive discussion: building the next generation of payment groups and services Critical success factors in microfinance and government payment partnerships

- Opportunities in government sectors for banks, card issuers and the payment industry - Financial inclusion and microfinance initiatives: comparing mature vs new sectors of growth - Adoption of epayment and smart cards in place of cash and cheque payments - Growth areas for multi-application smart cards - CGAP and the role of the world bank - Adoption strategies and lessons so far...

Exhibition hall An exhibition will present maximum opportunity for delegates to interact with innovative companies offering tried and tested products and services. This exhibition will be an opportunity for participants to keep abreast of the latest developments and market trends.

Simultaneous translation Simultaneous translation in English and French will be provided during the sessions and debates.

Chairperson This event will be chaired by: Annich McIntosh Managing Editor for Card & Payments World

We thank our partners for their support Sponsors, partners and exhibitors: Capgemini Discover Network Equens Nets Denmark SiNSYS Tieto Latvia

Media partners: Banking Automation Bulletin Banking Technology Card & Payments World Cartes MAG Eurasia Insights European Payments Council EUROSMART Finance on Windows Fraud Watch Payments Cards & Mobile Point Banque Smart Insights Smart Payment Association The Paypers

www.efma.com/cards

Key reasons to attend Payments world events Tailor your agenda ‘Mix and match’ sessions* Meet and share Networking opportunities Exchange with peers Q&A and interactive sessions Learn Featuring in-depth case study Update Free access to speakers’ presentations and events’ summaries

NEW

Download the ts A pp* Efma Events App* • Plan your visit befo before, ore e, d during uring g and after the conference onfference e • Access regular pr programme rogramme updates and alerts ertts • Ask questions and nd rreact eact in n real-time with speakers peak kers & delegates during event g the ee vent *Subject to seat availability in the Mobile payments conference room *Cards App available! Download d the App on www.efma.com/ www.efma.com/app /app pp pp

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Registration form Cards and payments, 10th anniversary Paris, 25-26 September 2012 Scan me and register online now

A T T E NDE E ’ S INF O RM A T I ON

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Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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PRACTI C AL INF O RMA T I ON

Location Hôtel Concorde La Fayette 3, Place du Général Kœnig - 75017 Paris - France Tel.: +33 1 40 68 50 68 - Fax: +33 1 40 68 50 43 www.concorde-lafayette.com/en A free wireless connection will be available in the conference room.

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Languages Simultaneous translation in English and French will be provided.

night is 228.20 euros, 248.48 euros for a double room (including breakfast and taxes). Once you have registered and received a confirmation from Efma the day after, an accommodation form will be available for download on www.efma.com/myregistrations, your personal space on our website. To book your room, please complete and return this form to the hotel until Thursday 23 August 2012. After this date the hotel cannot guarantee either room availability or prices.

The hotel will automatically bill unoccupied rooms or late cancellations.

Registration The registration fee covers participation in the conference, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event. We welcome late-bookers, but credit card information must be provided.

Accommodation Each participant must pay the cost of his or her accommodation directly to the hotel before departure. Rooms have been provisionally reserved for the nights of Monday 24 September and Tuesday 25 September 2012 at the hotel Concorde La Fayette. The cost of a single room per

Cancellations All cancellations must be received in writing. A 20% cancellation fee will be charged for all cancellations received on or before Tuesday 11 September 2012. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided. Substitutions are accepted at any time.

Payment

Registration fee

By bank transfer to Efma Sarl bank account IBAN: FR 76 3000 7999 9904 2252 7800 001 BIC: NATXFRPPXXX Natixis, FE3 - Unité 3B/747 BP 4, F- 75060 Paris Cedex 2.

All registrations are strictly personal.

By credit card: MasterCard

Visa

American Express

2,400 euros + VAT 19.6% = 2,870.40 euros for representatives of non-member institutions.

If you are interested but you cannot attend the conference, ask for the event’s summary at marketing@efma.com

Card n°

400 euros (+ VAT 19.6%) = 478.40 euros for members 600 euros (+ VAT 19.6%) = 717.60 euros for non-members

Expiry date Date

1,600 euros + VAT 19.6% = 1,913.60 euros for representatives of Efma member institutions.

Signature

Efma 8, rue Bayen 75017 Paris France Tel.: + 33 1 47 42 52 72 Fax: + 33 1 47 42 56 76 www.efma.com APE: 8230Z - VAT ID: FR 38 313 062 788 - Efma sarl company with registered capital of EUR 15,000 - RC Paris 313 062 788 In accordance with Article 27 of the law on the processing of personal data of 6.1.78, the information which you are requested to provide is necessary to enable us to process your registration and is intended for Efma’s services. You may access this information and request that it be rectified if necessary.

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Dates The conference will begin with a welcome coffee on Tuesday 25 September 2012 at 8:15 a.m. and will end on Wednesday 26 September 2012 around 5:30 p.m.