This unique conference will address the issues that matter, attend to discover the potential and realities of the card market in the Central and Eastern European regions. The total number of debit and credit has tremendously increased in the last couple of years and they are now moving towards using a variety of new card types using new technologies. Understanding future developments is the key to business success, therefore it is essential for all key players - issuing banks, card companies, non-bank issuers & acquirers, technology and service providers - to keep informed of new technology and trends within the card sector by attending this conference.

As a senior industry executive, you will be aware of the importance and potential of this field. We would therefore like to invite you to register for Opportunities in the Central and Eastern European Card Markets. As you will see from the brochure, many case studies have been incorporated to allow real and practical advice to be given and experiences gained.

Please register now to guarantee your place at this important conference.

Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Richard Rolfe

Richard Rolfe, Editor, European Card Review


Roger Swales

Roger Swales, President & CEO, PSI Global

  • What are the barriers to growth for payment cards?
  • Statistics for payment cards in the main countries
  • What are payment cards used for?
  • Most popular brands around central and Eastern European countries
  • Development and future of e-banking
  • Development of the credit card market: still a preference for debit cards?

    Hugo Halter

    Hugo Halter, Chief Operating Officer, ABN AMRO

  • Launch of a new VISA deferred charge card in the Czech Republic
  • Administration and processing alternatives
  • Outsourcing of card issuance, transaction authorization and processing functions
  • Outsourcing of ATM services, management and transaction processing
  • Outsourcing - Delivering high quality services to clients
  • Advantages for centralising and outsourcing key electronic transaction services

    Tony Fekete

    Tony Fekete, Senior Manager, Eastern Europe, Europay

  • Development of Europay's key Eastern European markets over the last twelve months
  • Statistics for cards issuance in the Eastern countries: Maestro, Eurocard-MasterCard
  • Delivering the highest possible level of service to member banks in the region
  • Cross-border EMV chip card transaction
  • Ensuring that the interests of local banking communities and their customers continue to be met at European and global levels
  • Further enhancing Maestro growth in the region
  • 11:00 Morning Coffee


    Mikko Kaarela

    Mikko Kaarela, Senior Business Development Manager, EMEA, Mondex International

  • From magstripe card as ‘a product per se’ into a smart card service enabler - via any channel
    When is a payment card not a payment card?
  • How to develop cuttng-edge services in cash-intensive markets of Eastern Europe
    From search of a killer application to killer combinations of services
  • Developing a product portfolio for new economy - in today’s world
    Payment products and their interrelationships in smartcard era
  • How to cover customers, merchants, access channels and payment needs
    Minimising merchant investment, transaction cost and infrastructure requirements, with smallest number of payment applications - Mission Impossible?
  • Getting started with a winning payment, service and partnership strategy
    From ‘slideware’ to a mature platform - Openness, issuer-control and security
  • Today’s multiple-application projects - implementation examples
    Tomorrow’s developments
  • 12:00 CASE STUDY

    Martin Tyburec

    Martin Tyburec, Security Manager, Ceskoslovenska Obchodni Banka

  • Overview of payment cards industry in the Czech Republic
  • Card fraud case examples
  • Card fraud - non-competitive issue
  • Key measures adopted to combat fraud
  • Fraud trends expected in the Czech market
  • 12:40 Lunch


    Petr Novak

    Petr Novak, Project Manager - Card Product Development, Zivnostenska Banka

  • Overview of the debit card market in Czech Republic
  • Numbers of debit cards, possible evolution of issued cards
  • Marketing strategies for debit cards
  • Future developments in the debit card market
  • Public mentality and payment habits
  • Trends and developments in the debit card market

    Ivanov Sergey

    Ivanov Sergey, Director Plastic Cards, JSB Sobinbank

  • Concept of the moneytravel card: convenient to take out money for short term foreign trips
  • Benefits of Visa Travel Money
  • Brief analysis of Russian cards market
  • An experience of launch and acting
  • Place of the VTM program in the rest of the bank business
  • Market trends
  • 15:00 CARD MARKET

    Zsuzsanna Haraszti

    Zsuzsanna Haraszti, Head of Division, Postabank Kartya Foosztaly

  • Major challenges and limitations for card issuers within the Eastern European card market
  • Driving forces for Banks, Customers, Merchants
  • Product segmentation and customer targeting
  • Profitability issues
  • Products of the new decade: credit and e-business
  • Sinergie possibilities in ATM, POS and e-business networks
  • 15:40 Afternoon Tea


    Graham Frost

    Graham Frost, Deputy Managing Director & Executive Vice-President, Sales and Services, Protonworld

  • Smart cards for secure E-commerce
  • Emerging International standards
  • Role of multi-applications and smart card management systems
  • Relevant case studies

    Jaroslav Kosek

    Jaroslav Kosek, Regional Manager, Datacard

  • Corporate overview
  • Smart card expertise
  • Smart card personnalisation application
  • New technologies
  • 17:00 Chairman’s Closing Remarks and Close of Day One

    17:10 Drinks Reception for Delegates and Speakers

    8:30 Re-registration and Coffee

    9:00 Chairman's Opening Remarks

    Richard Spencer

    Richard Spencer, eCommerce Manager, Datamonitor

    9:10 NEW TRENDS

    Pavel Slepicka, Authorisation Center Manager

    Pavel Slepicka, Authorisation Center Manager, Milan Laitl, Application Development Manager, Muzo

  • Evolution of the chip technology in the Czech Republic
  • What are the barriers to growth for chip cards
  • What is the engine for chip evolution?
  • Card associations support
  • Future trends in the Czech Republic

    Ivan Remsik

    Ivan Remsik, Senior Vice President, VISA CEMEA

  • Retail banking in central Europe
  • Low value vs. high value payments
  • Distribution channels on open networks
  • Smart winners and smart losers
  • 10:20 CASE STUDY - Slovak Savings Bank (SLSP)

    Dusan Jurcak

    Dusan Jurcak, Chairman - President, Slovenska Sporitelna

  • Issuance of Eurocard-Mastercard and Maestro brands
  • Cardholders to use cards to withdraw cash and pay for goods within Slovakia and the global Eurocard-Mastercard acceptance network
  • Significant expansion of the ATM network with the addition of a SLSP's network of 330 ATMs
  • Addition to the range of services offered to customers
  • Opportunities to access funds and pay for goods and services, both at home and abroad
  • Bringing advantages to customers and other banks, which will benefit from the growing number of card transactions
  • 11:00 Morning Coffee

    11:20 CARD FRAUD

    Dr Lidia Laufer

    Dr Lidia Laufer, Head of Compliants, Fraud and Risk Department, OTP Bank

  • Card fraud is becoming an increasing problem
  • Fraud from Eastern Europe is on internationally issued cards
  • What are the main reasons for card fraud?
  • Examples of organised card fraud in Hungary: solutions and future prevention
  • Questions about security of credit card data, particularly when transmitted over the Internet
  • Overview of strategies to tackle card fraud
  • 12:00 CASE STUDY: CESKA SPORITERLNA (CSB) - A member of Erste Group

    Jiri Pavlicek

    Jiri Pavlicek, Director Card Centre, Ceska Sporitelna

  • Overview of card market in the Czech Republic and position of CSB on it
  • Card business under new conditions in CSB - CSB is a member of Erste Group
  • Trends and development in the card market from the view of Erste Group
  • Central European card market as a part of European card market - Erste group view
  • 12:40 Lunch


    Radim Hradilek

    Radim Hradilek, Partner, PricewaterhouseCoopers

  • Current use of cards and habits in Czech Republic
  • Examples of co-branded products developed through Investicni a Postovni Banka
  • Examples of loyalty cards developed with businesses: what type of businesses/cards etc.
  • How to set up the right partnership for loyalty cards
  • Marketing strategies
  • Lessons learned and future developments

    Judit Drimmer

    Judit Drimmer, Senior Consultant, KPMG

  • Current situation of E-commerce in Hungary
  • Launch of e-commerce and online banking service: what are the expectations?
  • Use of the ‘virtual wallet’ or credit cards to shop at E-commerce sites
  • The future of E-mobile service in Hungary
  • How the growth of E-Commerce will impact on the card market
  • What are the challenges and limitations of Internet banking
  • 15:20 Afternoon Tea


    Nicolas Raffin

    Nicolas Raffin, Marketing Manager Northern & Eastern Europe, E-Payments Solutions EMEA, Schlumberger

  • Take advantage of Chip Migration to launch multi-application card programmes
  • Technological overview : which chip, closed or open platform?
  • What Open Platforms can bring to multi-application
  • Market opportunities, case studies
  • Business and Technical elements to consider before launching a multi-application card programme
  • 16:20 CASE STUDY - BGS

    Leonis Delberg

    Leonis Delberg, Chief Executive Officer, BGS Smartcard systems

  • Statistics on the circulation of international cards in Russia
  • Electronic products represent the majority of international banking cards issued
  • National interbank systems: three national level multi-issuer payment systems existing
  • State of the infrastructure for card servicing in Russia
  • The market for processing services has been dynamically developing
  • Development and prospects: enhancing systems in order to foster new segments of the market
  • 17:00 Chairman's Closing Remarks and Close of Conference


    Corinthia Towers Hotel

    Kongresova 1
    Prague 14069
    Czech Republic

    Corinthia Towers Hotel



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    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.


    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.


    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SAE Media Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.


    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@saemediagroup.com

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