Nordic Card Markets : Finance : All

Conference Overview

SAE Media Group are proud to present their 10th Annual...

Nordic Card Markets Conference 2011

"The Nordic payments market remains one of the most advanced and fast-paced payments markets in the world. Opportunities for development and growth are unsurpassed and it remains a region set to lead the way in the global payments sector. Developments in regulation, standardisation and security as well as contactless, mobile payment and prepaid sustain its position as a leader in the world payments market."

SAE Media Group’s 10th annual Nordic Card Markets conference provides an unmissable opportunity to learn from the leading experts and network with high level officials from all sections of the Nordic payments market. Now in its 10th year the event has established itself as the market leader for those looking to stay up to date with all the key issues in the Nordic region and beyond in this crucial time of economic instability.

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Benefits of Attending:

Update your knowledge on the Nordic payments market and all the key developments over the last 12 months
Learn through firsthand accounts what the big issues are and what they mean for your organization
Evaluate the latest trends and developments in the industry
Discover what the future holds in this rapidly evolving market and the impact of new regulation and technology
Network with all the key personnel in the Nordic payments market

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An unrivalled speaker line-up together with excellent networking opportunities provides you with the must attend event in the Nordic payments market.

Päivi Heikkinen

Head of Division

Bank of Finland


Michiel van Doeveren

Senior Policy Advisor, Payments Systems Division

De Nederlandsche Bank



Juha Risikko

Senior Product Manager

Nordea Bank

Norbert Bielefeld

Deputy Director - Payment Systems

World Savings Banks Institute

European Savings Banks Group

Thor-Ragnar Klevstuen

Business Developer e-Business & Payment Solutions

SpareBank

Kasimir Hirn

Head of Cards

OP-Pohjola Bank

Martin Weiderstrand

Manager EU Affairs and Advisor Payment Cards

IKEA

Bent Bentsen
Senior Advisor, Group Payments and Infrastructure

DnB NOR Bank ASA

  Xavier R Durieu

Secretary General

EuroCommerce

Tor Johan Bjerkedal

Director

Finance Norway (FNO)

Stuart Blair

International New Business Manager

Barclaycard

Pekka Markkula

Head of Service Enablers

TeliaSonera

Mark Austin

Head of Contactless

Visa Europe

Malcolm French

Former Head of Fraud Risk Management

National Fraud Authority

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Our expert line-up also includes:

♦ Christine Bottemanne, Head of Market Development, Ekspres Bank A/S

♦ Mikko Haikonen, Senior Manager, Nokia Solutions Unit, Nokia Corporation

♦ Warren Gardiner, Head of Products and Strategy, Clear2Pay

♦ Johan Löfmark, Digital Business Advisor, Tieto

♦ Ketil Fridheim, Managing Director Nordic Region, Elavon Merchant Services

♦ Maarten Bron, Vice President, Collis Innovation Centre, Collis

Conference agenda

8:30

Registration & Coffee

9:00

Introductions, Agenda and Workshop Objectives

9:20

Managing your Customer Risk - KYC (Know Your Customer) fraud control issues

Managing your Customer Risk - KYC fraud control issues
What is 'know your customer' in the fraud control context?
Who are your customers and how do you treat them in terms of products, services and risk profile?
Fraud control policies by distribution channel
Mitigating the risk of fraud vs. bad debt

9:50

Mitigating the Internal Fraud Risk - KYE (Know Your Employee) fraud control issues

Mitigating the Internal Fraud Risk - KYE fraud control issues.
What is 'know your customer' in the fraud control context?
Importance of staff vetting for new and existing staff
Audit trails and mandating
Alternative approaches to minimising staff fraud
The importance of whistle blowing and drawing up an approach

10:20

Creating a Fraud Control Culture

Identifying existing cultural issues relating to risk
Drawing up the principles of a positive change in behavior
Obtaining buy-in at every level of the organisation
Practical steps to achieving a proactive culture

10:50

Morning Coffee

11:10

Developing a Fraud Risk Management Strategy

Who is responsible and accountable?
How should this be developed?
What a typical fraud strategy should look like?
Structure, format and governance

11:40

Alternative Fraud Detection Solutions

The business case for implementing detection solutions
Use of alternative models and their advantages and pitfalls
Measurement of ongoing benefits
The importance of project management skill sets

12:10

Fraud Policy and Contingency Planning

Defining a "fraud"
Documenting your fraud policies
Agreeing an investigations policy
Measurement of Risk - prevention, exposure, loss and risk appetite

12:40

Review and Summary

13:00

Close of Workshop

13:30

Registration and Coffee

14:00

Welcome and Introductions

14:10

NFC: The Bigger ‘Scheme’ of Things

This first presentation of this training starts with an exploratory overview of the so-called ‘NFC ecosystem’. All relevant roles, terminology and technology will be described and placed so as to give the attendees of this course a common baseline of knowledge

14:45

Over The Air Provisioning

This presentation explains the concept behind Over-The-Air (OTA) provisioning

15:00

Demonstration

During this demonstration, the attendees will get the chance to see a real personalization of a UICC Secure Element recorded OTA. Using advanced tracing and monitoring tools, the attendees will get to see theory turned into reality when the communication between UICC and Mobile handset is visualized.

15:30

Afternoon Tea

16:00

Secure Elements and Security Domains

16:30

Putting it all Together: TSM!

The attendees are familiar with all relevant concepts and technologies that play a role in the NFC ecosystem, we will finally be able to put the missing piece in the puzzle: the TSM!

17:00

Close of Workshop

8:30

Registration & Coffee

9:00

Chairman's Opening Remarks

Norbert Bielefeld, Deputy Director Payment Systems, World Savings Banks Institute / European Savings Banks Group

9:10

How Costs and Business Models Will Help the Internal Market for Cards

Norbert Bielefeld, Deputy Director Payment Systems, World Savings Banks Institute / European Savings Banks Group

· Some baseline facts and data

· SEPA: a politically mandated discontinuity

· A need to revisit the “tourist test”

· A prime necessity: understanding the societal cost of POS payments throughout the EU

· Cash – the silent dominant instrument

· Options for card issuing and acquiring

· Will the EU be able to compete economically on the world scene?

9:40

Managing Payments in a Changing Payments Landscape

Ketil Fridheim , Managing Director Nordic Region, Elavon Merchant Services

· Elavon snapshot

· The value of global reach and consolidation

· Keeping up with security and fraud

· White label acquiring - you can eat your cake and keep it too

10:20

Morning Coffee

10:50

Trends in the ATM Market

Richard Dear , Sales Director, VocaLink

· Key drivers in the ATM channel

· Impact of reduced cash usage

· Cash recycling

· Pooling resources

· Reuse of interoperability

11:20

Payment Cards are no Longer a Piece of Plastic; Welcome to the New Digital Economy

Johan Löfmark, Digital Business Advisor, Tieto

· Changing consumer behavior is driving for new payment business models

· Innovations are centered around real-time transactions

· New actors entering the ecosystem (e.g. iTunes, Beacon and Square)

· The power of social media (e.g. Social Lending and Merchant rating systems)

12:00

A Single European Cards Market: The Retail View

Ruth Milligan, Legal Adviser on Payment Systems, EuroCommerce

· The cost of cards: a failure to deal?

· The competition cases: state of play

· Current interchange theory - the real story on cash v cards

· Remaining problems and future prospects

12:30

Networking Lunch

13:30

The Key Challenges and Benefits of a 3rd Payment Scheme

Dominique Buysschaert, CEO, PayFair

Offering global coverage and a cost efficient market implementation for issuers, acquirers and processors

Achieving sustainability of the card and electronic payment industry

Increase the innovation dynamic in the market with a view to increasing the industry’s profitability

Reducing fraud costs inherent to current offerings and the scheme’s legacies

14:10

DIY Payments - The Only Alternative Left for Retail?

Andreas Melan, Group Payments Card Manager, Ikea

· What is payment?

o Credit?

o Fraud?

· One internal market for payment

· True cross border acquiring - why EU should act

· Solution: DIY

14:40

Prepaid Opportunities

Thor Ragnar Klevstuen, Business Developer Cards and Payments, Sparebank 1

· Why prepaid cards?

· Status after two years

· Moving to contactless prepaid cards, our Blunk pilot project

· Further development regarding prepaid and contactless

15:10

Combining Prepaid and Øresund: Towards a Better Integration around the Sound

Pia Tworek, Business Unit Manager Nordic and Baltic, Ekspres Bank A/S

· Key figures and facts about Øresundsregion – short summary

· How would Prepaid facilitate economical growth and integration?

· Enabling more cross boarder sales for companies

· Facilitating daily life for students

15:40

Afternoon Tea

16:05

The Changing Dynamics of the Card Payment Market

Pierre Antonio , Vice-President Business Development, Clear2Pay

·         The card payment sphere: history and ongoing evolution

·         Diverse requirements (geographical, technological, applicative) and the
impact on payment systems

·         Defining the future of payments and answering today's market demand

·         Case study

16:45

Developing a Strategy to Facilitate European Card Fraud Prevention and Detection in 2011

Malcolm French, Former Head of Fraud Risk Management, National Fraud Authority

· The Importance of a Fraud Awareness Culture

· 'Fraud Risk Management Strategy' and 'Risk Appetite'

· Key Issues and Solutions

· Critical Success Factors

17:15

The Vision of DNB with Respect to SEPA for Cards

Michiel Van Doeveren, Senior Policy Advisor, De Nederlandsche Bank N V

· Actual developments in the European Cards Market

· The Dutch migration to EMV-cards

· E-payments in the Netherlands

· Policy issues

· Vision of DNB on SEPA for Cards

17:45

Chairman’s Closing Remarks and Close of Day One

8:30

Registration & Coffee

9:00

Chairman's Opening Remarks

Francesco Burelli, Principal, Value Partners

9:05

Contactless Cards – Is there a Business Case for the Issuer?

Kasimir Hirn, Head of Cards, OP-Pohjola

· What are the prerequisites for investment in contactless technology?

· Is anybody ready to pay for it?

· The chicken and egg problem

9:35

Cards and Mobile - Hand in Hand?

Bent Bentsen, Senior Advisor, Group Payments and Infrastructure, DnB NOR Bank

· What are the main drivers for mobile payments?

· How to build a mobile payments business case - for all stakeholders

· Mobile payments is the evolution of cards

· Mobile payments in Norway

10:05

Mobile Financial Services in Multi-Distribution Strategy

Juha Risikko, Senior Product Manager, Nordea

· How does the mobile fit in the big picture

· The latest mobile financial service developments in the Nordics

· The main altervatives for mobile payments

10:35

Morning Coffee

11:00

NFC Proximity Payments: Why Is It (Not) Happening?

Maarten Bron, Vice President, Collis Innovation Centre, Collis

· What are the progressions

· Opportunities

· Issues for rollout

· What the consumer thinks

11:40

Profitable Payments Through the Prepaid Ecosystem

Katrina Beckwith, New Business Sales Manager, Fidelity National Information Systems

12:20

Ensuring Trust in Electronic Payment Media

Päivi Heikkinen, Head of Division, Bank Of Finland

· Level playing field in security

· Oversight of payment instruments

· Security and innovation

12:50

Networking Lunch

13:50

Is There a Future for Norwegian Domestic Payment Systems?

Tor Johan Bjerkedal, Director, Finance Norway (FNO)

· Brief overview of the Norwegian payments landscape

· Characteristics in the Norwegian card market – is it special?

· Will the Norwegian domestic card schemes survive in the future?

14:20

Barclaycard: Innovation in Payment Acceptance

Stuart Blair , International New Business Manager, Barclaycard

· Contactless

· EMV

· Internationalisation

14:55

Experiences from a Mobile Provider

Mikko Haikonen, Senior Manager, Nokia Solutions Unit, Nokia Corporation

· Nokia NFC experiences

· Payments and ticketing using NFC

· Experiences and lessons learnt from a the pilots

· Commercial rollout

15:30

Afternoon Tea

15:55

Market Development from the Mobile Service Provider’s Perspective

Pekka Markkula, Head of Service Enablers, TeliaSonera

· How are different card and ticket services approaching mobile versions?

· Status update from GSMA Pay-Buy-Mobile

· Interoperability e2e - how does cards, platforms and applications work together in mobile?

· Future steps towards mobile and NFC services

16:30

Capturing the Low Value Payment Opportunity with Contactless Payments

Mark Austin , Head of Contactless , Visa Europe

· The benefits of contactless payments to stakeholders

· Development of contactless payments across Europe

· Lessons learned from early implementations

· Future developments

17:05

Chairman’s Closing Remarks and Close of Conference

Workshops

TSM Mobile Workshop

Sheraton Stockholm Hotel and Towers
18 January 2011
Stockholm, Sweden

Fraud Risk Management Strategies for Bank Card Markets

Sheraton Stockholm Hotel and Towers
18 January 2011
Stockholm, Sweden

Päivi Heikkinen Head of Division Bank of Finland		Michiel van Doeveren Senior Policy Advisor, Payments Systems Division De Nederlandsche Bank
	Juha Risikko Senior Product Manager Nordea Bank		Norbert Bielefeld Deputy Director - Payment Systems World Savings Banks Institute European Savings Banks Group
Thor-Ragnar Klevstuen Business Developer e-Business & Payment Solutions SpareBank		Kasimir Hirn Head of Cards OP-Pohjola Bank
	Martin Weiderstrand Manager EU Affairs and Advisor Payment Cards IKEA		Bent Bentsen Senior Advisor, Group Payments and Infrastructure DnB NOR Bank ASA
Xavier R Durieu Secretary General EuroCommerce		Tor Johan Bjerkedal Director Finance Norway (FNO)
	Stuart Blair International New Business Manager Barclaycard		Pekka Markkula Head of Service Enablers TeliaSonera
Mark Austin Head of Contactless Visa Europe		Malcolm French Former Head of Fraud Risk Management National Fraud Authority

Nordic Card Markets

19 January - 20 January 2011 Stockholm, Sweden

Conference Overview

________________________________________________________________________

Our expert line-up also includes:

♦ Christine Bottemanne, Head of Market Development, Ekspres Bank A/S

♦ Mikko Haikonen, Senior Manager, Nokia Solutions Unit, Nokia Corporation

♦ Warren Gardiner, Head of Products and Strategy, Clear2Pay

♦ Johan Löfmark, Digital Business Advisor, Tieto

♦ Ketil Fridheim, Managing Director Nordic Region, Elavon Merchant Services

♦ Maarten Bron, Vice President, Collis Innovation Centre, Collis

Conference agenda

8:30

Registration & Coffee

9:00

Introductions, Agenda and Workshop Objectives

9:20

Managing your Customer Risk - KYC (Know Your Customer) fraud control issues

9:50

Mitigating the Internal Fraud Risk - KYE (Know Your Employee) fraud control issues

10:20

Creating a Fraud Control Culture

10:50

Morning Coffee

11:10

Developing a Fraud Risk Management Strategy

11:40

Alternative Fraud Detection Solutions

12:10

Fraud Policy and Contingency Planning

12:40

Review and Summary

13:00

Close of Workshop

13:30

Registration and Coffee

14:00

Welcome and Introductions

14:10

NFC: The Bigger ‘Scheme’ of Things

14:45

Over The Air Provisioning

15:00

Demonstration

15:30

Afternoon Tea

16:00

Secure Elements and Security Domains

16:30

Putting it all Together: TSM!

17:00

Close of Workshop

8:30

Registration & Coffee

9:00

Chairman's Opening Remarks

9:10

How Costs and Business Models Will Help the Internal Market for Cards

9:40

Managing Payments in a Changing Payments Landscape

10:20

Morning Coffee

10:50

Trends in the ATM Market

11:20

Payment Cards are no Longer a Piece of Plastic; Welcome to the New Digital Economy

12:00

A Single European Cards Market: The Retail View

· The cost of cards: a failure to deal?

· The competition cases: state of play

· Current interchange theory - the real story on cash v cards

· Remaining problems and future prospects

12:30

Networking Lunch

13:30

The Key Challenges and Benefits of a 3rd Payment Scheme

14:10

DIY Payments - The Only Alternative Left for Retail?

14:40

Prepaid Opportunities

19 January - 20 January 2011
Stockholm, Sweden

· The card payment sphere: history and ongoing evolution

· Diverse requirements (geographical, technological, applicative) and the
impact on payment systems

· Defining the future of payments and answering today's market demand

· Case study