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The Future of Cards and Payments
3rd Annual Conference: Innovation in a competitive climate: discuss trends, strategies and solutions at Europe’s key event
7th & 8th July 2010, Le Méridien Piccadilly, London
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Conference Agenda
Print ProgrammeWednesday 7 July 2010, Le Méridien Piccadilly, London
Day One
09:10
09:15
Chairman’s opening remarks and start of conference
Session one: Strategic thinking for a sustainable future
09:20
Innovation, efficiency, or both? Prioritising investment in a challenging market
Marc O’Brien
UK Managing Director, Visa Europe09:40
Tapping new revenue streams: opportunities for card companies and customers alike
Roger Lovering
Chief Executive Officer, Santander Cards10:00
Negotiating the new regulatory landscape in cards and payments
Bert Pijls
Country Business Manager, UK Consumer, CitiGroup10:20
Panel discussion details
- From credit to debit: how is changing consumer behaviour affecting card strategies?
- How has the relationship between issuers and customers been affected by the recession?
- New attitudes to risk: who are today’s profitable customers?
- Can debt be managed effectively whilst maintaining a focus on customer-care?
- Do new entrants into the market pose a threat to established players? Could they breathe new life into the industry?
- When are innovations such as contactless and mobile likely to achieve critical mass?
- Can the industry combine a lower cost model with the delivery of customer satisfaction and innovation?
- Examining the future of interchange: are there viable alternatives?
- Feeling the pinch: will regulation further squeeze profit margins?
Questions will be taken throughout the panel discussion
Roger Lovering
Chief Executive Officer, Santander CardsMarc O’Brien
UK Managing Director, Visa EuropeBert Pijls
Country Business Manager, UK Consumer, CitiGroup11:00
Refreshments
Session two: The state we’re in: assessing economic and consumer trends
11:30
Economic factors affecting the cards and payments market details
- Up to the eyeballs? Examining trends in consumer spending and debt levels
- Going up? Examining the future path of interest rates
- Where is inflation heading and with what consequences?
Trevor Williams
Chief Economist, Corporate Markets, Lloyds Banking Group11:50
What will they do next? Examining consumer behaviour details
- The cautious customer: exploring changes in the uptake of credit cards
- Is the switch from credit to debit cards an irreversible trend?
- Chopping and changing: what inspires consumers to switch providers?
- Can clever branding nurture new trust between the industry and its customers?
Steve Willey
Group Head of Product Development, moneysupermarket. com12:10
Questions
12:20
Introduction to the Institute of Economic Affairs
Mark Littlewood
Director General, Institute of Economic Affairs12:25
Lunch hosted by Infosys
Session three: Facing up to fraud
13:40
Keynote Address: an update on key developments in the NFA’s national fraud strategy
Dr Bernard Herdan
Chief Executive, National Fraud Authority14:00
Questions
14:05
Retail Payment Fraud: The path of least resistance details
- Will emerging technologies alone significantly reduce retail payment fraud?
- What business process improvements are being deployed to mitigate payment fraud?
- How do Financial Institutions improve collaboration with their customers to mitigate payment fraud?
Lonny Kaplan
US Business Consulting Head, Cards & Payments, Cognizant14:25
Questions
14:30
Hackers & hustlers: exploring developments in a global crime details
- Pieces of me: how identity theft became the biggest single source of card fraud in the UK
- Decline in lost and stolen: has the success of Chip & PIN and online verification systems reduced total fraud or simply shifted its focus?
- What new challenges will be presented with the mass roll-out of contactless and mobile payments?
Tony Connell
Vice President Risk Product Management, Visa Europe14:50
Panel discussion - Tackling the ever-evolving landscape of card fraud details
- Building an alliance: actively engaging customers in the fight against fraud
- Convenience vs. security: balancing everyday use with customer protection
- Safety in anonymity? Should the quantity of sensitive information involved in on-line transactions be reduced?
- The information maze: where can information be most safely stored?
- Beyond direct financial loss: the wider benefits of fraud prevention
- A cost benefit analysis: is there such a thing as an ‘acceptable’ level of fraud?
- Hand in hand: the symbiosis of fraud prevention and operational excellence
Debbie Strickland
Functional Leader, Strategy & Fraud Management, Co-operative Financial Services
Vikki Williams
Global Head of Fraud Operations, BarclaycardTony Connell
Vice President Risk Product Management, Visa Europe
Pat Carroll
Chief Executive Officer, Validsoft15:40
Questions
15:45
Refreshments
Session four: A card for everyone: promoting card use across the board
16:15
Writing paper out of payments: 2018 and the end of the cheque details
- Will innovation fill the gap left by the cheque?
- How can the industry live up to the goal of ‘financial inclusion’?
- Old dogs, new tricks: educating the public to use a new generation of electronic payments
- Reputable replacements: assuring the public on the security of new systems
Paul Smee
Chief Executive, UK Payments Council16:35
On demand payment cards and personalisation details
- How customisation can increase card usage by over 40%
- Reduce cost and offer choice using on-demand card production
- Case study: TSYS partner with Serverside to launch TSYS’s US card shop
Anthony Lloyd Perks
Sales Director, EMEA, Serverside
Blake Barker
Senior Director, Card Services, TSYS16:55
Marketing towards a brighter future: clever strategies to improve retention and acquisition details
- Should lenders be looking to expand market share or extend card use within their existing customer base?
- Reducing the churn: holding on to customers beyond generous opening offers
- Softening credit caution: can intelligent marketing keep credit cards “front of wallet” in the post-recession age?
- Something in return: the role of the reward scheme in a commercially-savvy market
Stuart McKeggie
Head of Credit Cards, Sainsbury’s Finance17:15
Questions
17:30
Chairman’s closing remarks and end of day one
Thursday 8 July 2010, Le Méridien Piccadilly, London
Day Two
09:15
Chairman’s opening remarks
Alan Ainsworth
Head of Public & Community Affairs, Barclaycard09:20
Keynote address: an update on the EU’s vision for SEPA and the PSD details
- Predicting the state of play by December 2010
- Does a deadline need to be set for the abolition of national payment instruments? If so, by whom?
- Do governments need to lead the way on the use of SEPA-compliant payments?
- Together at last: are we starting to see meaningful pan-European alliances emerging?
Irmfried Schwimann
Director for Markets and cases III: Financial Services, European Commission09:40
Questions
Session five: A threat to margins: tackling regulatory pressures
09:45
Examining the future for interchange and policy interventions across Europe details
- Interchange ad infinitum? Where now for fees in light of the Commission’s recent decisions?
- Market interference: examining the implications of government interventions
- Exploring regulation in cards and payments systems
Christoph Baert
Senior Manager of European & Regulatory Affairs, MasterCard10:05
The global picture in the post-recession cards market details
- Examining threats to margins in the present climate
- In what ways have the attitudes of governments changed towards banks in the past few years? How has this manifested itself in regulatory terms?
- Building bridges: how can the industry improve its reputation and re-establish trust?
Alan Ainsworth
Head of Public & Community Affairs, Barclaycard10:25
Questions
10:35
Refreshments
Session six: Protecting margins with operational efficiency
11:05
Save and protect: applying lean principles as a defence against squeezed profit margins details
- Lean from end-to-end: stripping back to the core whilst maintaining quality and customer focus
- Will increasing regulation create new operational costs for the industry? How can these be addressed?
- Tackling the industry’s ‘spaghetti architecture’: reduction and consolidation in payments
- Is shared processing the way forward?
Neil Lover
Head of Payments Strategy, Nationwide11:25
A changing landscape in payments: exploring the potential of emerging alternative payment solutions
Nicholas Fernandes
Principal Consultant, Infosys Consulting11:45
Questions
Session seven: Bringing innovation to the mainstream
11:55
Prepaid: making the case for paying in advance details
- Is prepaid yet to fulfil its potential? Is a more innovative approach required?
- What new approaches to prepaid might lead to commercial gain whilst avoiding financial pain?
- Examples of winning – and losing – in prepaid
- The global perspective: learning from the prepaid hotspots
Tony Craddock
Chief Executive Officer, Global Prepaid Exchange12:15
Case study: Prepaid cards at Raphaels Bank
Mike Smith
Director, Raphaels Bank12:35
Questions
12:45
Lunch
13:55
Chairman for the afternoon session
Harald Schneider
Head of UK Consumer Cards, Citigroup14:00
Keynote case study - Montpellier: the city where cash is being replaced by the ubiquitous USB stick
Frederic Linossier
Director, Systems Department, Transdev14:20
Questions
14:25
Panel discussion: Exploring developments in alternative payments details
- Making micropayments work for customers and systems providers alike
- The simpler the better: designing payments systems to boost checkout conversion rates
- Storing money online: the rise of the “electronic purse”
- New payments, new fraud: tackling cybercrime
- Factors affecting the regional development of alternative payment systems
Martin Ott
Co-Chief Executive Officer, Moneybookers
Srinivas Kasturi
Head of Consumer eCommerce, Global Innovations Group, Barclaycard
Dan Starr
Executive Vice President of Product, NEOVIA Financial PLC
Paul Coxhill
Marketing Director, UkashCase studies in mobile payments
15:05
The operator perspective: what place in the future of m-banking?
Claire Maslen
Head of Near Field Communication, O215:25
Money in the mobile: Nokia's move into m-payments
Malcolm Vernon
Director, Market Development, EMEA, Nokia15:45
Panel discussion: Moving on up: the rise of mobile banking details
- Security risk? Can m-banking really provide increased flexibility and convenience without compromising security?
- The difficulty of promoting international m-payments between closed national networks
- It’s all down to the iPhone: the Smartphone’s role in the story of m-banking
- Age of the app.: the new competition in the banking applications arena
- Beyond the Smartphone: developing a unique concept to bring m-banking to the mainstream
Claire Maslen
Head of Near Field Communication, O2Malcolm Vernon
Director, Market Development, EMEA, Nokia16:15
Chairman’s closing remarks and close of conference
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