2016 DELEGATE MANUAL

Organised by:

CONTACTLESS INTELLIGENCE

Celebrating its 10th anniversary, the Contactless Intel-

ligence Conference delivers the latest in contactless and

mobile activity, providing participants with unparalleled access

to the implementers themselves: transport operators, local

councils, charities, banks and retailers. The Conference will

WE WOULD LIKE TO THANK OUR SPONSORS, SUPPORTING ORGANIZATIONS AND MEDIA PARTNERS

THE 10TH ANNIVERSARY EDITION OF THE CONTACTLESS INTELLIGENCE CONFERENCE

once again mix presentations, panel discussions and work-

groups to provide participants with an informative and

interactive event. We will be reviewing different contactless,

NFC and mobile applications in place and discussing how the

technology can be implemented on a wider scale

As with any technology spiral, (including FinTech) the speed of

development never slows down. On the contrary − it speeds

up. This year we are looking at status quo altering technology

such as the blockchain and even have entries in the Contact-

less & Mobile awards that cover Bitcoin Mobile Wallets − how

time has moved on and how much more accelerated things

have become. To quote the great gonzo journalist, Hunter S.

Thompson − ‘Faster, faster, until the thrill of speed overcomes

the fear of death’ or, ‘now we have everyone hooked on mo-

bile payments − how much farther can we push it?’

Some of our speakers today are about to tell us.

Steve Atkins //

If you are reading this introduction then you are probably

at this year’s Contactless Intelligence Conference. With that

in mind, I would like to welcome you to the tenth edition of

this annual event. Yes, you read that right − the TENTH! Can’t

believe it? Me neither...

But it was ten years ago that we started this gathering of

like-minded people to explore the possibilities of contactless

and NFC technology and what it would mean for the world

− payment in particular. Since that time so long ago, we have

seen so many changes; from contactless ticketing as standard

on the underground and public transport, to contactless pay-

ments in the UK breaking the 1 billion contactless purchase

milestone in 2015, up 228 per cent on the previous year with

spending on contactless cards rising more than three-fold in

2015 to reach £7.75 billion. Ten years ago, we would have

danced for joy to hear that figures like that were possible

in so short a time frame. Well, a decade in the scheme of

things... You know what I mean.

Mobile payments looked like they were going to remain in

the domain of ‘vapourware’ forever until Apple Pay came

along. Whatever you think of Apple, there is no doubt that

they invigorated the market and gave it a much-needed kick

in the pants. Everyone then brought their wallet to the fore

and mobile payments became inexorably linked with the suffix

‘xxx Pay’. That was only about 18 months ago.

And so, I guess, everyone thinks they can relax now. Wrong!

We began ten years ago with payments and a decade later

we are returning to it as a theme for this conference, albeit

under the title of ‘Managing the Convergence of Intelligent

Payment Solutions’. Because that is what payment technol-

ogy has become – intelligent.

WELCOME

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CONFERENCE AGENDATUESDAY 26TH APRIL 2016

09:15 – 09:20

Opening Remarks

Conference Moderator: Ram Banerjee (Transaxiom)

09:20 – 10:00

Industry Key Notes

The convergence of intelligent payment solutions is the next

step for mobile and contactless implementations throughout

Europe. Two leading players are sharing their visions with us

during the opening keynotes:

> Mobile Payments 2020 (Sandra Alzetta – Executive Director

Core Products, Visa Europe)

> From wearables to wallets: a successful strategy through

customer engagement (Tami Hargreaves – Director of

Digital Consumer Payments, Barclaycard)

10:00 – 11:10

SESSION 1: How are digital and contactless technologies

helping our local economies grow?

In this session we’re looking at the changing face of payments

outside of the normal retail environment. While the industry

and local governments are supporting the move towards a

mobile and contactless infrastructure, we’re asking: What is

the reality? Are local economies really growing as a result of

contactless implementations? We have invited spokespersons

from groups representing city centres, market traders, vend-

ing, charity collections as well as taxi drivers to get a realistic

picture of the customer experience.

> Can’t touch this – how contactless is changing the third

sector (Cancer Research UK: Paul Weaver – Digital Innovation

Manager)

> The Impact of Cashless Payment in Soft Drinks Vending

(Lucozade Ribena Suntory: Daphne Stopforth – Chilled So-

lutions Manager)

> Cork Cashes Out – Cork’s move to become Ireland’s first

cash-free city (Cork Cashes Out – a Cork City Centre Forum

initiative: Ciarán Curran – Associate Director)

Confirmed Panelists: Lars Pederson – CEO (Creditcall) |

Ellie Gill (Love Your Local Market – a National Association of

British Market Authorities initiative)

11:10 – 11:40

Networking Break

11:40 – 12:50

SESSION 2: Can contactless ticketing really move beyond

regional silos?

This session looks at the mobility sector: The introduction of

smart ticketing on public transport has fundamentally changed

how passengers around the world pay for and manage their

travel. Beyond that, it has become a reference on how cus-

tomers view public transport services. In this session, we want

to look at how different regions and even different countries,

can work together to improve the customer experience.

> Contactless Transit Collaboration (Richard Koch – Head of

Cards Policy, The UK Cards Association, UK)

> Transport for the North: Integrated and Smart Travel

(Alison Pilling – Programme Director for Integrated and

Smart Travel, TfN – Transport for the North, UK; Steve

Ramsay, TfGM – Transport for Greater Manchester, UK)

> The Belgian Public Transport Card heading for the future

of e-services (Erik Baele, La Société des Transports Inter-

communaux de Bruxelles, Belgium)

> Masabi

Confirmed Panelists: Steve Howes – Managing Director,

Rail Settlement Plan (ATOC – the Association of Train Operating

Companies, UK) | Bjoern Scharfen – Marketing Director,

Infineon Technologies (The OSPT Alliance)

12:50 – 13:50

LUNCH

5

13:50 – 15:05

SESSION 3: The Future of Payment

Payments could be facing a massive upheaval in terms of tech-

nology, and application solutions. From transactions within

specific commerce networks to a traceable global currency

complete with an efficient infrastructure will mean not only a

massive cost reduction for all market participants, it will even

change global banking. The next evolution in payments is

about to begin.

> Driving commerce by bridging the online to offline gap

(Eric Lein – Head of European Operations, TrialPay)

> The Blockchain: What is it and why should you care? (Edan

Yago – CEO, Epiphyte)

> Contactless Payments powered by the Blockchain (Danial

Daychopan – CEO, Plutus.it)

Filling the mobile wallet – augmenting real-time inter-

actions

When is a wallet more than a wallet? When it becomes an en-

abler of day to day interactivity. Payment is not the only aspect

found within a physical wallet and should not be considered

the only element found in the virtual wallet either. While ID

and credentials make up a significant portion of the users day

to day activities, the mobile wallet has yet to catch up. Until it

does so, it will always play second fiddle to a physical wallet.

> The progress of mobile wallets (Claire Maslen – Senior

Financial Services Manager, GSMA)

> Payment security: Tokens, HCE or just better firewalls?

(Jonathan Vaux – Executive Director, Innovation Partner-

ships, Visa Europe)

> Expanding NFC service usage through the Contactless

Companion Platform (Joerg Suchy – Associate Director

Strategic Business Development Chip Card, NFC and Bio-

Processor for EMEA, Samsung)

15:05 – 15:30

Networking Break

15:30 – 16:30

SESSION 4: WORKING GROUPS

GROUP 1: Charity – How can contactless technology be

harnessed by the charity sector to increase donations? What

support is still needed from the contactless industry? Can

the mobile phone (NFC, mobile wallets, apps etc.) add a new

dimension to interaction with donators?

Group Leader: Ian Shayler (The UK Cards Association)

GROUP 2: Beyond bricks & mortar – What benefits can contact-

less / NFC really provide to small businesses, street traders, taxi

drivers and vending operators? How can the different sectors

build on each others’ success stories? What still needs to be

done for contactless to become the payment method of choice?

Group Leader: Richard Warren (Miura Systems)

GROUP 3: Services within the mobility sector – Will the UK

transport sector really be able to agree on a countrywide

scheme? Can we learn from other countries? Can the com-

muter / traveller ever hope to make a cashless journey from

door to door (parking, train, bus, bike hire etc.)?

Group Leader: Kevin Farquharson (Smart Card Networking

Forum)

GROUP 4: Alternative payment methods – We’ve been hearing

about “disruptive players” in the payment industry for many

years now, but who are those players? How can the consumer

benefit from new technologies / processes / ecosystems? What

might our ecosystem look like in the future?

Group Leader: John Devlin (P.A.ID)

GROUP 5: The future of wearables – With major brands

launching their own smart watches, wristbands and NFC ena-

bled clothing, is this a technology fad or a natural evolution

for contactless technology? What are the potential business

cases? Will the older generation be left behind? How can the

functionality move beyond payment and integrate multiple

applications and services for the user?

Group Leader: Phil Sealy (ABI Research)

16:30 – 17:00

WRAP UP

17:00

END

18:30 – 19:00

Drinks reception

19:00 – 22:30

Contactless & Mobile Awards Gala Dinner

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OPEN STANDARDS FORUMWEDNESDAY 27TH APRIL 2016

09:15 – 11:00

SESSION 1: TRANSPORTATION, TICKETING & PARKING

Session moderator: Kevin Farquharson, Smart Card Net-

working Forum

Transport Authorities and Operators as well as MNOs share

challenges and success stories of system migration to open

standards. Focus on mobile ticketing platforms as well as con-

tactless card systems.

09:15 – 09:35

The future of transport ticketing – open standards in

Russian regional solutions

Speaker: Peter Sokolovski, Udobnji Mashrud (Russia)

09:35 – 09:55

Speaker: Laurent Cremer, OSPT Alliance (France)

9:55 – 10:15

Speaker: Erik Baele, La Société des Transports Intercommu-

naux de Bruxelles / Calypso Network Association (Belgium)

10:15 – 10:35

What is possible, permitted, useful and ready in Contact-

less for Unattended – such as Vending, Parking, Trans-

portation, Charities? The session includes technical chal-

lenges, role of standards, rules and restrictions, suitable

solutions.

Speaker: Liz Coode, Creditcall (UK)

10:35 – 11:00

Panel Discussion with speakers and additional panelist

Speaker: Steve Wakeland, ITSO (UK)

11:00 – 11:30

Networking Break

11:30 – 12:15

SESSION 2: STRONG AUTHENTICATION

— Linking Identity and Authentication

— FIDO use cases in healthcare and online service providers

— The role of the FIDO standard for the public sector

Speakers: Michelle Salway, Senior Director Sales EMEA,

Nok Nok Labs | Dr. Rolf Lindemann, Senior Director Product

and Technology, Nok Nok Labs | David Pollington, Head of

Applications & Services, GSMA

12:15 – 13:30

SESSION 3: VAS, PAYMENT CONVERGENCE & RETAIL

Latest use cases for mobile and contactless implementations

beyond smart mobility, such as payment, hospitality and retail.

This session takes a close look at implementations beyond the

mobile wallet and as the mobile offering extends to include

wearables and other form factors. The questions raised in this

session will look at both, open standards based solutions and

proprietary implementations to determine the advantages each

model has to offer to the market.

12:15 – 12:30

Understanding the wearables market

Speaker: Samee Zafar, Edgar Dunn & Co (UK)

12:30 – 12:50

Open standard for contactless: a new approach for con-

venient solutions

Speaker: Sebastien Piolat, Smartlink (Switzerland)

12:50 – 13:05

What impact do new form factors have on NFC deployment?

Speaker: Salim Dhanani, Carta Worldwide (Canada)

13:05 – 13:20

Payment beyond cards

Speaker: Nick Mackie, Visa Europe (UK)

13:20 – 13:30

Panel discussion with all speakers and additional panelist

Speaker: Jörg Suchy, Samsung Semiconductor (Germany)

13:30 – 13:40

Wrap up by moderators

13:40

Networking Lunch

Endorsed by OSPT Alliance

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MOBILE ID FORUMWEDNESDAY 27TH APRIL 2016

09:00

Registration

Moderator: Frank Smith, Chair, e-MOBIDIG

09:15 – 09:35

Collaboration: Public-Private Partnerships

Speaker: Susan J Dawes, Program Manager, Open Identity

Exchange UK

09:35 – 10:05

Germany: Mobile devices as a trust anchor

Speaker: Daniel Augustin, Institut für Informatik / Fachbe-

reich Mathematik und Informatik, Freie Universität Berlin

10:05 – 10:25

The role of mobile for IT security in critical infrastruc-

tures in Europe

Speaker: Dr. Steve Purser, Head of Core Operations Depart-

ment, ENISA – European Network and Information Security

Agency

10:25 – 10:45

Opportunities for a mobile patient identification in

the French private ambulatory care sector

Speaker: Michel Venet, Directeur Identité Numérique, GIE

SESAM-Vitale

10:45 – 11:15

Panel Discussion with all the speakers

11:15 – 11:35

Coffee Break

11:35 – 11:45

Lighting Talk: Yoti – Mobile ID App revolution?

Speaker: Paco Garcia, CTO, Yoti

11:45 – 12:05

Mobile Connect, Authentication at Hand

Speaker: Serge Llorente, Orange / IMT / TECHNOCENTRE / MPA

CMIS

12:05 – 12:25

FIDO & Mobile Connect

Speaker: Claire Maslen, Senior Financial Services Manager,

GSMA

12:25- 12:45

Your identity on your Smartphone – the next step in

the mobile revolution

Speaker: Steven Warne, Director of Solutions Marketing,

Government ID Solutions, HID Global

12:45 – 13:30

Panel discussion with all the speakers

13:30

Lunch

Endorsed by Silicon Trust

In 2015, the Silicon Trust, an international ID security industry platform, will host the first of a series of ID Trends Forums. The objec-

tive of the day is to shed light on a topic the Silicon Trust believes to be key in the coming year. A mixture of international keynote

speakers and industry working groups are the basis of a Silicon Trust Media Statement that will be published after the event.

The first Silicon Trust Forum is focussing on the growing trend of Mobile ID and secure mobile devices. It is going to evaluate the

feasibility of implementations where secure ID attributes and credentials are either stored on the mobile or where the mobile

device acts as a secure reader for a token, such as a smart card.

With two application scenarios in focus, payment and government ID, the experts in this forum will debate to what extent the

public sector can benefit from private sector experiences. We have invited key speakers from both, the world of finance and from

the public sector, to share their insights into the up and coming challenges of Mobile ID.

8

by the 4 Belgian Operators of Public Transport, created with

the mission to develop a common smart card ticketing system

between the Belgian Public Transport Operators.

Before this time, Erik was IT manager at STIB (La Société des

Transports Intercommunaux de Bruxelles), in charge of projects,

development and operations within the business critical IT sys-

tems, including new MoBIB and the old magnetic ticketing,

regulation of traffic, passenger information, fleet management

and security of the Brussels metros, trams and buses. Erik is

also active in Calypso Network Association (CNA) as treasurer.

Ram BanerjeeRam has a passion for Smart Card

technology especially when applied to

Payments, Loyalty and ID. He has co-

founded several companies including ACT – the UK’s largest

supplier of Transit ticketing systems. Since 2010 he has devot-

ed much of his time to TransaXiom, a UK company dedicated

to bringing true electronic cash to mobiles using novel and

patented technologies.

Liz CoodeLiz has a wealth of payments experi-

ence, having worked for Creditcall for

fifteen years and is now Head of Pay-

ment Services. Joining the company from a telecoms back-

ground in 2001 (having spent the first ten years of her work-

ing life in catering, which she refers to as ‘great training for

handling ten impossible deadlines simultaneously while eve-

ryone’s yelling’) she has led the company’s PSP sales for over

a decade, during which time the company has grown from

under a dozen people to almost a hundred.

Liz’s role includes direct sales working with larger clients with

complex projects and a market lead approach helping to ensure

Creditcall’s PSP solutions are available and suited to as many

customers, integrators and manufacturers as possible.

Sandra AlzettaSandra is Executive Director of the

Product Enablement function at Visa

Europe and her current focus is on

leading Visa Europe’s tokenisation programme, enabling secure,

mass market innovation across multiple channels today and,

ultimately, providing the payments platform for the Internet

of Things. She also leads the team responsible for working

with European standards bodies to shape the trajectory of

payments.

Sandra has held multiple leadership roles since joining Visa in

1990, spanning innovation, product development and busi-

ness development. In 2012, Sandra was listed in the Mobile

Power 50 as one of the most influential people in the mobile

industry in the UK. Prior to joining Visa, Sandra worked at

Northern Telecom in their data networks group.

Daniel AugustinDaniel is a PhD student and member of

the work group Identity Management

at the Freie Universität in Berlin. The

work group ID Management researches design, implementa-

tion and evaluation of secure software, as well as IT systems.

The focus is always to provide usable security. Daniel researches,

in particular, secure derived identities on smartphones, smart

watches and other mobile devices. Prior to his employment

at the Freie Universität, Daniel spent the last 10 years as a

software developer and deputy director of a company, de-

veloping equipment for the defense sector. Here he gained

valuable experience with regard to the need for combining

security and usability.

Erik BaeleSince 2012, Erik has been General Man-

ager of BMC – Belgian Mobility Card,

a company jointly owned and governed

SPEAKERS’ BIOS

9

building the volume and velocity of trusted transactions online.

Responsible for managing and co-ordinating UK operations,

including the considerable number of discovery and alpha

projects through the directed funding programme by OIX

Executive member Cabinet Office, in support of the Identity

Assurance programme (GOV.UK Verify).

Sue brings extensive experience working with international

and UK based membership organisations coupled with a back-

ground of European marketing communications and event

management roles for technical companies.

Danial DaychopanDanial is a fintech entrepreneur within

the payments industry that has been

active in the groundbreaking block-

chain and bitcoin ecosystem since 2013. His vision is to create

a next generation payment system by utilising decentralised

applications and harness the true potential hidden between

contactless payments and blockchain technology.

Danial previously led a team to develop and launch a block-

chain-based merchant solution and exchange service. He led

the company during its infancy to provide services aligned

with the needs of the rapidly growing Bitcoin economy.

Danial is currently the Founder & CEO of Plutus.it, an applica-

tion powered by smart contracts to make contactless Bitcoin

payments possible at any NFC-enabled terminal worldwide.

John DevlinJohn is the founder and principal

analyst of P.A.ID Strategies. Here he

focuses on innovation and disrup-

tion across Payments, Authentication, Identity, Security and

Connectivity for devices, people and transactions.

Utilizing over fifteen years of commercial and analyst experi-

ence, he takes a broad view of how different technologies

fit together across multiple segments, understanding and

Laurent CremerLaurent Cremer has held the position

of Executive Director of OSPT Alliance

since its formation in 2011. He has suc-

cessfully driven awareness of the alliance, secured key part-

nerships within the public transport ecosystem and engaged

new members to join and contribute to the work of the body.

Within his role Laurent liaises directly with the OSPT Alliance

Board and members to coordinate and implement its strategic

vision. He works across its various working groups to advance

objectives and represents the alliance externally at industry

meetings and conferences globally.

Laurent joined the OSPT Alliance with more than 20 years’

experience working within the smartcard and RFID sector

across the telecom, transportation, banking and ID markets.

Ciarán CurranCiarán, a marketing communications

professional with 15 years’ experience,

is an associate director of H+A Market-

ing + PR. He worked as part of the ‘Cork Cashes Out’ team,

devising and implementing the creative campaign to support

the initiative positioning Cork as Ireland’s first cash-free city.

‘Cork Cashes Out’ was led by Cork City Centre Forum, a group

comprising key business stakeholders including Cork Chamber

of Commerce, Cork Business Association, Cork City Council and

An Garda Siochana with the support of H+A Marketing + PR.

Ciarán has worked in a number of Irish agencies and has pro-

vided strategic and tactical communications advice to clients

across a broad range of sectors.

Sue DawesSue Dawes is UK Programme Manager

for Open Identity Exchange, a non-

profit trade organisation of leading

competitors from competing business sectors focused on

10

explaining determining factors in market adoption and tech-

nology development. John has a deep understanding of

working with companies to identify their requirements and

determine how these can best be served to answer their

questions and resolve tactical issues. He provides a considered

approach to helping companies tackle the business issues

relating to their strategies for mobile and wireless technology

to realize new business opportunities and deepen engage-

ment with their customers.

Salim DhananiSalim, as Director of Business Develop-

ment (EMEA), is responsible for Carta

Worldwide’s commercial growth initia-

tives within the EMEA region covering, both, the digital ena-

blement and core processing verticals.

Before joining Carta in 2013, Salim started his career work-

ing on economic development projects led by the World Bank

Group in various parts of Latin America. Later, he worked as

an associate with a small-cap private equity fund focused on

emerging markets. Salim holds a degree in Economics and In-

ternational Development from the University of Toronto.

Kevin Farquharson Kevin is a highly experienced Pro-

gramme Manager and Consultant in

the uses and applications of smart

media. He is particularly knowledgeable about payment

applications, mobile technology, contactless cards, smart tick-

eting, resident cards and university card schemes.

Kevin is Managing Director of Smartran which he founded in

2003. He has gained his experience in Government, Transport,

Local Authority, Oil & Gas, Finance, Utility and Technology

sectors. He is also Chair of the Smart Card Networking Fo-

rum for Local Government and a regular contributor to ITSO,

Transport Card Forum and SCNF events. Prior to Smartran,

Kevin was a consulting manager for Accenture (formerly An-

dersen Consulting) and originally began his career as a System

Engineer for BT’s Major Accounts team.

Paco Garcia Paco, Yoti CTO, has a background in

the space industry; he worked at the

European Space Agency and Airbus in

the classified secure testing of the constellation of satellites for

the Galileo navigation system and the assembly, integration

and testing of the fifth satellite payload. He’s been involved

in the cryptography and security aspects of military telecom-

munications satellites.

He holds a degree in Electrical Engineering and a Masters

in Computer Science & Telecommunications from Malaga

University & Virginia Tech.

Ellie GillEllie is the campaign manager for Love

Your Local Market, an initiative coordi-

nated by The National Association of

British Market Authorities (NABMA), which has now spread

into fifteen countries including the US and Canada.

With an environmental science background, Ellie also runs her

own consultancy practice, helping local authorities, charities

and social enterprises get more from their town centres and

was recently recognised by Marcus Jones MP with a Special

Recognition Award in the Great British High Street Awards.

She has introduced contactless and rewards schemes into

a number of markets and worked with central government

to deliver a digital objective aimed at getting more markets

adopting contactless technologies, and market traders a more

Omnichannel approach to retail.

Tami HargreavesBefore joining Barclaycard in 2008

Tami spent 10 years working in the

customer management outsource

business responsible for Service and Account Management,

Bid Development and Transformational Change. Tami joined

Barclaycard as Strategic Supplier Relationship Director to man-

age key supplier relationships and change programmes across

the business. She has delivered major transformation change

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programmes globally over the past 7 years and now runs the

Digital Consumer Payments business. She is responsible for

the bPay wearable payments business, contactless mobile and

contactless payments across the business.

She was responsible for launching the PayTag contactless sticker,

Strategic Partnership with TfL (Transport for London), the busi-

ness wide contactless limit increase and implementation of

other contactless initiatives across the business and industry.

Steve HowesSteve has worked in the field of the ap-

plication of information technology in

the transportation and defence sectors

for more than thirty years, the last twenty of which have been

spent exclusively working in the transport sector. Now at the

Association of Train Operating Companies (ATOC), Steve is

Managing Director of Rail Settlement Plan, responsible for the

design, build and operation of information systems providing

a range of services to the passenger rail operators which

enable its fully interoperable ticketing system. In particular,

he has been closely involved with the introduction of smart

ticketing technology to the railway, sitting on the ITSO Board,

and the ‘ITSO on Prestige’ Project Board, leading the negotia-

tions with TfL on Oyster PAYG, working closely with operators

on the expansion of barcode and EMV based ticketing.

Richard KochRichard joined The UK Cards Associa-

tion in 2011 and took up the role of

head of policy in 2013. He leads the

team responsible for influencing regulation and legislation

through effective, evidence-based policy development, and has

been instrumental in developing our reputation as a proactive

trade association. Richard has over 25 years of experience in

banking, including having worked in a variety of roles in the

card payment business of the Lloyds Banking Group for over a

decade. In various roles he has had responsibility for commer-

cial relationships with payment schemes, interaction with in-

dustry bodies and implementation of industry-wide initiatives.

Eric LeinEric is the Head of European Operations

at TrialPay, where he has managed the

office in Berlin, Germany, since the begin-

ning of 2014. His mission is to connect brand and e-commerce

advertisers with publishers across mobile and web-based social

gaming platforms and alternative payment systems for online

services. Eric was previously a Sales Director for TrialPay, build-

ing up client relationships in South-Western European markets

and the mobile sector. Before TrialPay, Eric worked as Global

Account Manager at zanox, Europe’s leading performance ad-

vertising network, where he was responsible for cross-country

publisher activities. Eric enjoys multi-cultural business environ-

ments, plays piano and speaks five languages fluently.

Dr. Rolf LindemannRolf is senior director of Product and

Technology at Nok Nok Labs and brings

more than 15 years of experience in

product management, R&D and operations from the IT security

industry. He has contributed to numerous FIDO specifications

and has been a frequent speaker at industry events.

Prior to Nok Nok Labs Rolf worked as Senior Director Product

Management in the user authentication group at Symantec

where he was responsible for research and product strategy

on device authentication in smart grids and mobile networks.

Before Symantec’s acquisition of TC TrustCenter, he was

Executive Director Product Strategy at TC TrustCenter GmbH.

Appointed to that position in 2009 he was responsible for

analyzing market trends and aligning the overall product port-

folio to new market opportunities.

Serge LlorenteSerge is Director of Mobile Connect

for Orange. With over 25 years of ex-

perience first in the CADCAM industry

(Dassault System) and later Telecoms (Orange), Serge has been

leading many IT projects covering Storage Architecture master

plans, home network management and mobile connectivity

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solutions or SIM management tools. Mobile Connect is totally

aligned with Orange’s ambition of improving the customer’s

digital experience and Serge has been managing all phases of

this project to make it live in a growing number of countries

across the Orange footprint. Another very important and re-

warding part of this endeavor has been the fruitful co-opera-

tion between the other MNOs and the GSMA, to make Mobile

Connect a global and cross-MNO solution for authentication.

Nick MackieNick Mackie is Head of Contactless and

Mobile Point-of-Sale at Visa Europe.

With many years of experience in the

creation and commercialization of value-added technology

service solutions, Nick currently runs Visa’s contactless prod-

uct team. Nick and his team are responsible for liberating the

full potential of the contactless proposition focusing on strate-

gic sector development and delivery of new product offerings.

Prior to his current role Nick worked as Senior Product Man-

ager of Contactless, focusing on new applications for contact-

less payments in the transit and travel sectors. Nick was Visa’s

product and project lead in delivery of Transport for London’s

groundbreaking contactless rollout. Before joining Visa, Nick

was Head of Business Development at Vianet Group.

Claire MaslenWith over 20 years’ experience at the

forefront of the telecoms industry,

Claire has developed a thought leader-

ship position on m-commerce and identity, and is a subject

matter expert on NFC. Working with mobile operators, regu-

lators & policy makers, banks, payment networks and Fintech

companies at the GSMA, Claire is passionate about fostering

collaboration to deliver innovative mobile consumer experiences.

At the GSMA, Claire is responsible for market development,

and as such is a regular speaker and contributor at major indus-

try conferences and events. Claire has been recognised in the

industry with various awards. Previously, Claire was responsi-

ble for defining the product and technology strategy for NFC

within O2, and led Telefonica’s entry into the market of Near

Field Communications.

Lars PedersonLars joined Creditcall as CEO in 2014 and

is responsible for the company’s global

initiatives, continued growth in the U.S.

and reinforcing its mission to serve as the Heart of Payments. He

has led and grown technology companies around the world, from

California to Copenhagen, and has more than 20 years of experi-

ence across the fintech, wireless, telecommunications, manage-

ment consulting, and offshore sonar equipment industries. Prior

to joining Credticall, Lars has held senior leadership roles serving

as CEO of InnovFocus; CEO of RESON Inc.; President of the

Anritsu Instruments Group based in New York; and Deputy CEO at

NetTest A/S. Currently he is also Chairman of the board of Xena

Networks A/S, and Director of Creditcall Ltd and CardLab A/S.

Alison PillingAlison is currently on secondment from

West Yorkshire Combined Authority

(WYCA) to be Programme Director for

the Integrated and Smart Travel workstream for Transport for

the North (TfN). Alison began her career as a teacher before

moving into transport working first for AGMA before moving

to Metro (as it was then) to manage a European project

delivering a range of travel choices activities. In 2004 she took

on delivery of a 150 vehicle yellow school bus project before

becoming Information and Marketing Manager for WYCA. This

role has incorporated the business change activities around

West Yorkshire’s Smart Card and Information Programme.

Sébastien PiolatSébastien joined the FinTech company

Smartlink SA in 2013 and has moved

across the company contributing in

technical and business roles. He leads in his current role in-

novation projects related to contactless, payment, and weara-

bles. As part of his business development role, he represents

Smartlink during exhibitions and among Smartlink’s partner

organizations. Now, his main focus is driving the evolution of

the Contactless Companion Platform (CCP) in order to make

any contactless service accessible from any device. Sébastien

has an Engineer’s degree in Computer Science.

13

Dr. Steve PurserSteve started work in 1985 in the area

of software development, subsequently

progressing to project management and

consultancy roles. From 1993 to 2008, he occupied the role

of Chief Information Security Officer for a number of financial

institutions. He joined ENISA in December 2008 and is cur-

rently responsible for all operational activities of the Agency.

Steve is currently a member of several Steering Boards and

Advisory Committees, including notably the Steering Board of

the CERT EU and the Programme Board of the EU Cyber Crime

Centre. In the area of standards, he is the ENISA representative

on the ISO SC 27 working group. As Head of Core Operations,

he regularly represents ENISA in international conferences on

information security.

Steve RamsaySteve is an independent consultant

specialising in smart and account

based ticketing. Steve made the jump

from Telecoms to transit in 2008, joining Transport for London

and helping introduce new functionality into the Oyster sys-

tem, including its expansion onto National Rail services.

Steve became the Product Manager for the Future Ticketing

Project (FTP), which delivered an account based back office

and associated services that enabled the acceptance of contact-

less payment cards on the Oyster estate. Involved from incep-

tion to launch, Steve was responsible for the team developing

the technical and functional requirements of the system. Since

becoming an consultant, Steve has provided technical consul-

tancy to the DFT and ATOC, and helped develop the Implemen-

tation Guidelines for the UKCA contactless framework.

Björn ScharfenBjörn has more than 18 years of expe-

rience in the electronic components

industry and is currently holding the

position of Marketing Director, heading the Product Marketing

& Management of the Business Line Secure Mobile & Transac-

tion at Infineon Technologies. He assumes worldwide respon-

sibility for security controllers used in Mobile Communication,

Payment and Transport & Ticketing applications. Prior to this

role he worked for over 10 years in various positions within

the Marketing team of the Security & Chip Card ICs divi-

sion mainly for Payment and Communication. Before joining

Infineon in 2000, he started his professional career in 1997

with the Ceramic Components Division at Epcos AG as Product

Marketing Engineer for automotive, industrial and consumer

applications.

Phil SealyAs part of ABI Research’s Digital Security

research practice, Senior Analyst Phil’s

research focuses on the primary markets

for smart cards and secure ICs, reporting on new and emerging

sectors, products groups and technologies.

The Digital Security Practice focuses on end-to-end security

research, from the silicon all the way up to cyber-based

applications, analysing technology trends as well as industry-

specific implementation.

Ian ShaylerIan joined The UK Cards Association in

Card Payments Policy in August 2006

and works on a wide variety of policy

areas. He facilitated discussion between the cards and tran-

sit industry to develop a contactless transaction acceptance

model for Transport for London’s recent launch of contact-

less. This was followed by a three year programme to bring

together the customer / cardholder experiences that met the

needs of both industries.

Ian worked for NatWest and then The RBS Group for seven-

teen years in Small Businesses, the Retail Bank and New Product

Development and what is now WorldPay for the last four years.

Frank SmithFrank chairs e-MOBIDIG, the EU work-

ing group on mobile solutions for law

enforcement (police, borders, etc.) –

a sub-group of the European Network of Law Enforcement

Technology Services (ENLETS). Frank has represented the UK

14

in European and other international forums including the EU

committee on chip security standards for passports, and the

Management Board of eu-LISA, the European agency for

large IT systems in justice and home affairs. He worked for

37 years in the UK Home Office covering technical and policy

work, new legislation and business change. He has been Pri-

vate Secretary to the Immigration Minister, and has worked

operationally for Border Force in the reserve team of manag-

ers able to undertake front-line border duties.

Peter SokolovskiPeter is CEO of Udobniy Marshrut LLC,

a Russian transportation company. His

focus on IT within the transportation

sector began with the Moscow Underground project in 1999;

his company participated in the development of the Moscow

Social Card and issued more than 6 million contactless bank

cards with a transport application. In 2006 Peter led the

launch of their first full scale transportation project in Russia:

an Automated Fare Collection System called “Getfare”. It is

now used in 45 cities across Russia, covering all types of public

transport – subway, buses, trolleybuses and trams.

Peter is a graduate of the Moscow Institute of Electronic

machinery and worked as an IT manager in the Russian smart

card manufacturer “Rosan Finance” until 1999.

Daphne StopforthDaphne has been the Chilled Solutions

Manager at Lucozade Ribena Suntory

(LRS) since the business was formed

at the start of 2014; before which she did the same role at

GlaxoSmithKline (GSK) for 2 years. Prior to GSK, Daphne spent

over 20 years at Nestlé in various Sales, Trade Marketing and

Project Management roles including 6 years involvement with

confectionery vending. In her current role, Daphne is respon-

sible for the profitable management of LRS’s estate of chillers

and vending machines; and the development of the solutions

offered to LRS’s customers in order to meet their needs and

those of their consumers. Daphne introduced cashless pay-

ment to the vending estate in 2013 in response to consumer

insight and payment trends, and to drive sales growth.

Jörg SuchyJörg is Associate Director Strategic

Business Development Chip Card, NFC

and Bio-Processor for Europe, Middle

East and Africa (EMEA) with Samsung Semiconductor Europe.

He represents the Samsung Smart Card and NFC Controller

domain throughout the entire market value chain, presents

Samsung’s Vision and Market Trends as a speaker at key indus-

try events and has contributed in the development of several

white papers.

Before joining Samsung in 2002, Jörg started his career in

1994 at the Semiconductor Production of Philips RHW in Ham-

burg. In 1997, he joined NEC Electronics (Germany) GmbH in

Düsseldorf. In 1993, Jörg graduated in electrical engineering

from the Hamburg University of Applied Sciences in Germany.

Jonathan VauxJonathan was appointed Executive

Director, Innovation Partnerships by

Visa Europe in 2014 to ensure Visa

remains the preferred payment method as digital technologies

evolve to change the way consumers buy and pay for goods

and services. Jonathan is focused on extending the Visa

acceptance promise into new digital environments – whether

it’s online or in-store, through a mobile or a tablet, in-app or

through a digital wallet – and developing flexible ways for

partners to integrate Visa services into their commerce and

banking platforms.

Jonathan has held a number of roles since 1998 including

Commercial Director of V.me, Head of Processing, Head of

Alternative Payments, Head of Commercial Solutions and Vice

President, Commercial Solutions for Visa International.

Michel VenetMichel is currently Digital Identity

Director at GIE SESAM-Vitale which

manages the billing process of the French

private ambulatory care sector. He is an executive level man-

ager of international companies developing high-technology

products. Michel has co-founded Wiz4com, an independent

mobile phone design house, and created its Chinese subsidiary.

15

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16

Before Wiz4com, Michel was the Vice President of Product

Development at Cellon EMEA, the leader at that time of the

independent mobile phone design houses. He started his

career as project manager of command and control systems

both for the civilian and the military sector.

Michel holds a Master of Science in Electrical Engineering

from the Illinois Institute of Technology and an Engineering

Graduate from Ecole Centrale de Paris.

Steve WakelandSteve has worked in technology risk

management and information security

at various industrial and financial

services organisations for over 30 years.

He joined ITSO Limited in 2011 as Governance Manager to

lead compliance through the implementation of policies and

procedures across the ITSO membership. Steve became Gen-

eral Manager of ITSO Limited in January 2015.

Steve WarneSteve Warne is the Director of Solutions

Marketing, Government ID Solutions

with HID Global, where he is responsible

for the product and solution strategy related to the

development of the company’s global government ID business.

Steve has more than 14 years of experience in the government

identity market encompassing various sales and technical

development roles at HID Global / Aontec Teo (Aontec Teo was

acquired by HID Global in 2007) and Payne Security.

Richard WarrenRichard WarrenRichard has recently

joined Miura systems, the world’s

leading Mobile and Tablet POS hard-

ware provider, where he heads up product management. Prior

to this he was Managing Director at research and marketing

agency FirstPartner. In this role he led strategy, product devel-

opment and marketing projects for a range of clients including

Vodafone, Visa Europe, Oracle, Microsoft, TomTom and Sky.

He has significant experience researching and developing

payments, mobile marketing and commerce propositions on

behalf of payment processors, service providers, vendors and

mobile network operators.

Paul WeaverPaul has worked at Cancer Research

UK for 3 years; firstly in the Innovation

Team before moving to the Digital

Team to explore innovations in technology and ensure CRUK

are utilising new tech / trends to maximise fundraising. During

this time he’s helped launch numerous campaigns including

BBQ for CRUK and World Cancer Day, as well as delivering

digital projects like the sectors’ first virtual reality laboratory

tour. He’s passionate about new technologies and the way

they can improve people’s lives, and believes contactless pay-

ments are integral to the future of fundraising.

Edan YagoEdan is the CEO of Epiphyte. Previously

he was a Senior Product Manager at

Zynga, the world’s largest gaming

company specialising in virtual currency. Managed large teams

developing innovative technologies securely handling pay-

ments for millions of customer. Inventor of multiple patents

and previously co-founder of Memetic Markets, which devel-

oped cutting edge financial exchanges.

Samee ZafarSamee is a director in the London of-

fice of Edgar, Dunn and Company, a

global management consulting firm.

Samee has advised clients in North America, Europe, and Asia

Pacific. He focuses on advanced payments consulting advis-

ing banks, mobile operators, and payment service providers

on internet and mobile commerce / payments. His expertise

includes competitive strategy, operations improvement, finan-

cial management, and risk management. He has also advised

clients on several M & A transactions within the financial ser-

vices sector. Previously he worked at PricewaterhouseCoopers

and Visa in New York and London. He has written widely on

emerging trends in financial services, technologies, and related

areas and also writes a regular blog.

17

Shaping the Future of Payments

Operating out of London’s Tech City, Tel Aviv and Berlin, we explore the new technologies that will shape the future of payments. We offer banks and financial institutions the insight, support and connections to harness their potential, co-creating unique projects alongside an international community of start-up and innovators – working together to shape the new payments landscape.

18

Did you know that the word “contact-

less” was one of the Collins Dictionary’s

words of the year last year? Along with

“manspreading”, “binge-watching” and

“ghosting”, this so-called “new” form

of payment was finally recognised as a

trend. Launched in 2007 to give con-

sumers a quick and convenient way to

pay for low-value items, contactless had

truly humble beginnings in cor-

ner stores and coffee shops.

Fast forward nearly a dec-

ade and Visa Europe reports

there are more than three mil-

lion contactless terminals servic-

ing over 152 million contactless

cards throughout the continent.

And consumers have embraced

contactless with enthusiasm.

Last July, Visa Europe processed

more than 1.1 billion contactless

transactions in the 12 months. Today,

it’s processing that amount every six

months, with the growth continuing in

a sharp upward momentum.

But, while contactless cards currently

have the starring role in this trend, con-

tactless technology is central to the fu-

ture of payments, as well. This is why

Visa Europe has made investment in con-

tactless a priority for the organization –

because innovation doesn’t stand still.

To support the evolution of payments,

Visa has mandated that, by the end

of 2019, all POS terminals will be able

to accept contactless forms of pay-

ment and access for every consumer

to some form of contactless, be it card,

mobile payment service, wearable or a

new piece of tech which has yet to be

unveiled.

Why has Visa placed such an em-

phasis on contactless? Because con-

tactless is rapidly evolving from cards

to other devices as payments become

digitised, with Europeans among the

world’s earliest adopters of these new

technologies. Visa sees a future where

consumers might not even need a plas-

tic card – a future where their account

is digitally available across a plethora of

devices. From the integration of pay-

ment capability into a health tracker so

that someone can stop to buy a water

while they’re on a run to the addition of

a “chip pocket” to a ski jacket sleeve,

simplifying payment for lift tickets to

the design of a range of fashion-

able accessories to wear on the

town, wearables will play a signifi-

cant role in the future of payments

and the contactless infrastructure

will support it.

Last autumn, Visa challenged

five of Central Saint Martins’ young

designers – all either students or

graduates of the MA Industrial De-

sign course – to explore the next

frontier of frictionless commerce,

imagining the form and functionality of

contactless wearable devices by 2020.

The designs had to be geared specifi-

cally towards payments while also chal-

lenging the wearable norms that the

industry has focused on to date.

The project culminated in a presen-

tation of the three co-created design

concepts at the Visa Europe Technology

“In the digital age of ‘overnight success’ stories

such as Facebook, the hard slog is easily overlooked.”

— JAMES DYSON —

by Visa Europe

Contactless:

THE OVERNIGHT SUCCESS STORY 10 YEARS IN THE MAKING.

19

Partner Forum in London and is an ex-

ample of how collaborative innovation

is driving the rapid pace of change in

payments. The finalists were:

“Small Change” is set in the moment

of transition between cash and digi-

tal money, and helps people manage

transactions of smaller denominations

digitally. It aims to facilitate this transi-

tion away from coins by allowing peo-

ple to collect their loose change onto

one wearable device, at the same time

keeping the tangibility that we have

come to expect through thousands of

years of cash usage.

“Budgeteer” is a wearable payment

device placed on the wrist that helps

the user to organise and budget their

expenses at the point of sale, simply by

movement. By making three intuitive

and simple hand gestures, the user can

categorise payments into three catego-

ries (work, me or home), which will be

highlighted in different colours in their

online banking statement.

“Thread” is a fashion-orientated

brooch that bridges the gap between

the online and real-world self through a

Bluetooth-powered augmented reality

app, turning anonymous fashion lovers

into identifiable brand ambassadors.

Spearheading the project, Nick

Mackie, Head of Contactless at Visa

Europe, said: “At Visa, we envisage that

contactless technology will become a

standard feature on many wearable

devices by 2020; in fact, there’s no reason

why the payment function on a wearable

device wouldn’t become as ubiquitous as

the alarm function on a digital watch.”

There is tremendous potential in

the wearable payments space, which

is growing in popularity – especially

among the tech-savvy millennial market.

Wearables take all that’s great about

contactless – the speed, convenience

and simplicity – and make it better still.

The very essence of a wearable is its

physical connection to you at any time,

which by nature eliminates friction and

improves security.

As new products continue to roll

out at a pace that would have seemed

unimaginable when contactless first

launched in 2007, Visa will continue to

partner with companies so that con-

sumers will be able to pay for the items

they want wherever they are and on

whatever device they prefer.

20

We are proud to have an outstanding panel of industry

experts to judge the finalists in all award categories.

This year have decided to combine the categories to a grand

total of just 11 categories; 8 categories are judged by a panel

of industry experts, 1 category is voted for by the industry

and 2 categories are selected by Visa Europe – the winners

being announced at a prestigious evening ceremony organ-

ized in London following the Contactless Intelligence Spring

Conference on evening of the 26th April 2016.

Now in its 10th year, the Contactless & Mobile Awards are

presented to those companies, organizations and retailers who

have done the most to embrace and implement contactless /

NFC technology into their day-to-day operating practices.

These awards represent a real promotional springboard and

give the winners a reputation and credibility for their efforts

within the industry. The competition is open to all imple-

mented contactless applications within the relevant sectors,

regardless of geographic region or size of corporation.

21

Michel BarjanskyMichel is a graduate of Ecole des Hautes

Etudes Commerciales. He joined RATP

(French transport operator) in 1973 hold-

ing a variety of different posts over the years. Since 1992 he has

been associated with the “Projet Telebillettique”, at RATP. That

project, based on the Calypso specification, is now rolled out

under the name of “Navigo”.

In 1998 he joined the SIT department and took responsibility

for the development of services based on contactless tech-

nology; active in research, standardization, final development

and commercial deployment. From 2002 he was head of

the “Business Development” entity, in charge of technology

based new products and services, in the Innovative Customer

Technologies of the Engineering Department. And in 2008

he was the “Innovation” Manager for the whole Engineering

Department.

In October 2010 he retired, but remains associated with

standardization and interoperability bodies for public trans-

port and payment.

John BerryJohn retired from the European Com-

mission-DG MOVE in June 2014 after

completing 24 years on transport policy.

He worked on strategic policy development and for that

gained considerable experience from working closely with key

stakeholders, from EU and Member States’ institutions, po-

litical parties and organisations, business operators and service

providers, international agencies and institutions, standardisa-

tion bodies as well as academia. More recently he has become

a member of the advisory board of ELUPEG, a not for profit

organisation run by volunteers who are ‘evangelists for the

cause of supply chain collaboration’. This explores the freight

transport side of collaboration which compliments passenger

transport facilitation.

Since July 2011 he has worked in the field on ‘Research and

Innovation’ with the brief of developing the Horizon 2020

Wendy Atkins (HEAD JUDGE)

Wendy Atkins is a journalist and com-

mentator in the global business sector.

She is contributing editor with fDi Magazine, The Banker and

This is Africa (all published by the Financial Times) where she

is in frequent contact with leaders in her specialist areas of

emerging markets, technologies and investment.

She has been writing about the smart card, payments and

associated industries for more than 10 years, and is an editor

with Contactless Intelligence, where she is responsible for

turning the latest contactless developments into interesting

and insightful stories. She is also editor of Security Document

World, where she is in constant contact with suppliers and

end-users of government issued security documents. She has

authored White Papers and thought leadership documents

for some of the major players in the smart cards, biometrics,

mobile and financial industries.

Wendy has also been a member of previous judging panels

for the SESAMES Awards at Cartes, Paris, and GSMA global

mobile awards.

Mark AustinMark is Director, Innovation Product

Development & Management and is

responsible for managing Visa Europe’s

contactless product range across Europe. Prior to this position

he was Head of Consumer Credit for Visa Europe.

Mark is an experienced payments professional who joined

Visa in 2006 from Lloyds TSB where he spent three years as

Head of Credit Card Marketing. Prior to joining Lloyds TSB, he

undertook a number of senior roles at Royal Bank of Scotland

Cards. Mark began his career at HSBC, where he worked in

both the retail network and the Credit Card business.

Mark is an associate of the Chartered Institute of Bankers and

is also a member the Financial Services Forum.

JUDGES’ BIOSCONTACTLESS AND MOBILE AWARDS, 26TH APRIL 2016

22

programme for ITS and Logistics and policy development on

smart passenger transport ticketing. He was responsible for

developing the impact assessment for the new Trans-Euro-

pean Transport Network and for freight transport logistics

policy and research. He has been DG TREN / DG MOVE’s

technical expert on road vehicle engineering policy which in-

cluded the vehicle roadworthiness programme, vehicle safe-

ty, biomechanics and environmental issues – he introduced

seat belt and child restraint wearing into EU policy.

Prior to his work in Brussels he was a “Head of Unit” in the

UK’s Department of Transport (Feb. 84 to Sept. 89) and was

responsible for freight transport policy and, as head of the

Chief Engineer’s office developed early energy conservation

policy in road transport and hence gained an early apprecia-

tion of the CO2 / global warming issue.

John holds a BSc Hons. Mechanical Engineering and a BA

Social Sciences from the Open University.

Paul ChamberlainRecognised as the most prolific Con-

venience store visitor worldwide,

Paul seeks best practise as a means

of providing retailers and suppliers a shared experience as

a key part of the Association of Convience Stores member-

ship package. Following a degree in business, Paul worked in

retail and wholesale as well as a number of roles within the

publishing industry.

Hank ChaversMr. Chavers joined GlobalPlatform as

Technical Program Manager in 2014.

He will play a key strategic role in sup-

porting the technical committees, Advisory Council and task

forces, providing assistance with meetings and development

of white papers / requirements, and furthering the associa-

tion’s business development efforts in the United States.

Additionally, Mr. Chavers will support GlobalPlatform’s

Technical and Executive Directors, as well as aiding the de-

velopment of the association’s specifications. He will play an

active role in improving industry knowledge of these specifi-

cations as a GlobalPlatform certified trainer.

Mr. Chavers has over 20 years of experience in the develop-

ment, deployment and convergence of internet and mobile

services. In his previous roles as a near field communication

(NFC) specialist, he has overseen the production of proof-of-

concept demonstrations for NFC enabling wireless technolo-

gies, provided technical management for the first ever imple-

mentation featuring two types of payment cards loaded in

one secure element, crafted the market entry strategy for a

Fortune 50 telecommunications firm to launch a new NFC ser-

vice platform and led the NFC Forum Developer Workgroup and

NFC Global Competition. Mr. Chavers is also the co-author of

‘NFC Reference Guide for Air Travel,’ an IATA and NFC-Forum

joint publication and served as Technical Editor for the book

‘Professional NFC Application Development for Android’.

Kevin FarquharsonKevin is a highly experienced Pro-

gramme Manager and Consultant in

the uses and applications of smart me-

dia. He is particularly knowledgeable about payment applica-

tions, mobile technology, contactless cards, smart ticketing,

resident cards and university card schemes. He has over 25

years wide-ranging experience successfully implementing

and managing multi-million pound IT programmes and pro-

jects. He applies his extensive experience to minimise risks,

save money, reduce leadtimes and ensure delivery of effective

schemes and customer propositions.

Kevin studied Engineering at Trinity Hall, Cambridge where

he gained a Master’s degree. He is a Chartered Engineer and

Member of the IET. He is Chair of the Smart Card Networking

Forum for Local Government and a regular contributor to

ITSO, Transport Card Forum and SCNF events.

Kevin is Managing Director of Smartran which he founded in

2003. He has gained his experience in Government, Transport,

Local Authority, Oil & Gas, Finance, Utility and Technology

sectors. He has helped his clients increase business revenues

and reduce costs by £millions. Prior to Smartran, Kevin was a

consulting manager for Accenture (formerly Andersen Con-

sulting) and originally began his career as a System Engineer

for BT’s Major Accounts team.

23

His recent assignments include Nottingham Trams’ award

winning off tram ticketing project, Norfolk Smart Ticketing

Managed Service, DfT smart ticketing team, introduction of

Glasgow SPT contactless tickets, European MobiWallet pro-

ject and Eco Rewards scheme for green travel choices.

Claire MaslenWith over 20 years’ experience at the

forefront of the telecoms industry,

Claire has developed a thought leader-

ship position on m-commerce and identity, and is a subject

matter expert on NFC. Working with mobile operators, regu-

lators & policy makers, banks, payment networks and Fintech

companies at the GSMA, Claire is passionate about fostering

collaboration to deliver innovative mobile consumer experi-

ences.

Claire was responsible for defining the product and technol-

ogy strategy for NFC within O2, and led Telefonica’s entry into

the market of Near Field Communications. She launched and

managed the successful O2 Wallet NFC trial in London, and

was the creator and advocate of O2’s contactless vision.

At the GSMA, Claire is responsible for market development,

and as such is a regular speaker and contributor at major

industry conferences and events. As a key media spokesperson

for NFC and mobile commerce throughout her career, Claire

regularly collaborates with journalists and analysts in both

trade and consumer PR.

Claire has been recognised in the industry with various awards

including: PC Pro Top Ten Women in Tech 2011, Mobile Maga-

zine Power 50, Mobile Awards Key Influencer 2009. She is

passionate about GSMA’s Connected Women Initiative, and

she created the ‘Women in Technology’ programme at O2.

Claire lobbies regularly with central government leading to

policy and legislation improvement for mobile commerce.

Kristian T. SørensenKristian serves as Head of Market

Development & Strategic Allicances

in Nets, a leading Northern European

payment solutions provider, where he leads the strategy

development related to Nets’ mobile services initiatives

across the Nordic countries. Kristian holds a master’s degree

in Communication and Psychology, but has worked with

online solutions since the early days of the Internet in the

mid-1990s and with online financial services since 2002.

Kristian has participated in Mobey Forum since 2010 and

has been an active contributor to the production of Mobey

Forum’s mobile wallet white papers. He was elected to the

Board and Chairman of the Marketing Work group in 2012.

His work within Mobile Financial services has made him a

frequent speaker and panellist at conferences worldwide.

Samee ZafarSamee is a director in the London of-

fice of Edgar, Dunn and Company, a

global management consulting firm.

Samee has advised clients in North America, Europe, and

Asia Pacific.

He focuses on advanced payments consulting advising banks,

mobile operators, and payment service providers on internet

and mobile commerce / payments. His expertise includes com-

petitive strategy, operations improvement, financial manage-

ment, and risk management. He has also advised clients on

several M & A transactions within the financial services sector.

Previously he worked at PricewaterhouseCoopers and Visa in

New York and London. He has written widely on emerging

trends in financial services, technologies, and related areas and

also writes a regular blog: https://sameeblog.wordpress.com.

24

01 PAYMENT INNOVATION

Awarded for innovative schemes and applications, as well

as technology. This category looks at disruptive approaches

and the smart use of technology in the contactless and mobile

payment space.

02 RETAIL & LOYALTY

The retail industry is the front line for all consumer oriented

technology innovation. Rewarding customers for brand loyalty

is core to the retail industry and there are many innovative

contactless and mobile implementations out there. The judges

are looking for forward thinking, integrated solutions that take

retail and / or loyalty to the next level.

03 TRANSPORT & TICKETING

Awarded for the best use of contactless / NFC technology

within the transportation and ticketing environment. Be it

public transport or tickets for events, this award is aimed at

those companies who have embraced the new contactless /

NFC technology to deliver their specific products to a mass

audience.

04 CONTACTLESS & MOBILE CITY INITIATIVES

Awarded for the most ambitious and widespread initiative

to implement mobile or contactless technology. Applications

can include mobile payment, public transportation, hospitality

and tourist schemes.

05 PAYMENT SECURITY

There is no payment without security. In this category, we are

looking for the most convincing examples of smart security

mechanisms used to secure transactions – from the use of

cryptocurrencies to biometrics.

06 NEXT GENERATION ECOSYSTEM

In this category we are looking at block chain ecosystems and

use cases such as cryptocurrency platforms, supply chain or

identity management. Cutting out ineffective banking inter-

mediaries, these technologies could save billions for consumers

and the financial services industry.

25

07 ID & AUTHENTICATION

Secure Authentication is key when it comes to securing people’s

identity. Contactless and mobile technology adds the conveni-

ence to ID applications, facilitating the use of government and /

or private sector issued schemes. Awarded to the most prolific

secure ID system out there.

08 MOBILE WALLET

Awarded for the smartest, most consumer-friendly and easy-

to-use mobile wallet implementation. Judges will be looking

at security, privacy and stability as well as convenience.

INDUSTRY CHOICE AWARD

This award was introduced in 2013 and proved so popular

that a real battle ensued between the top 3 contenders. The

8 category finalists are automatically entered and the online

voting is open to the whole industry. What will happen in

2016?

VISA CONTACTLESS AWARDS

As a Platinum Sponsor of the Contactless & Mobile Awards,

Visa Europe has created two special awards under the name

of the Visa Contactless Awards. These awards are:

> VISA AWARD FOR CONTRIBUTION

TO CONTACTLESS

> VISA CONTACTLESS BUSINESS LEADER

OF THE YEAR

These special awards are presented during the Contactless &

Mobile Awards Gala dinner and the winners are selected by

a panel of judges at Visa Europe.

25

CATEGORY OVERVIEW

26

01 PAYMENT INNOVATION

BANK PEKAOMULTI-CURRENCY DEBIT CARD (POLAND)

Bank Pekao SA has been in operation for 85 years and is

one of the largest financial institutions in Central and East-

ern Europe. The bank has launched a card that can be used

for multiple accounts in different currencies. The multi-cur-

rency debit card (FCY) is an innovative solution for cashless

transactions in Poland and abroad. The bank has developed

a debit card for its customers that can be used both for a

current account in Poland and for accounts in foreign cur-

rencies – USD, EUR, GBP, CHF. The innovative part of this

card is the transaction settlement system. The card works in

a similar way to mobile “roaming” when abroad. Depend-

ing on the country in which the client makes a payment,

the bank settles the transaction in the currency in which the

specific payment has been made. The card owner doesn’t

even have to remember to switch the card between different

accounts and the bank automatically knows which account

should take the appropriate amount.

SMARTLINKCONTACTLESS COMPANION PLATFORM

(SWITZERLAND)

CCP is a new approach for contactless services based on open

standards, addressing any financial institution and any service

provider, to propose a real user-focused experience for both

payment and services. Contactless transactional abilities using

a wearable is about more than just payment at the Point of

Sale: it’s also the ability to transfer money to a keyfob, having

a transport ticket on a passive wristband, or having a payment

card available from any companion device. This is now feasible

using a unique single platform that extends payment and ser-

vices to new form factors, to address more users in more situ-

ations. It is based on the Smartlink Wallet Server, Samsung’s

new NFC chipset and an open standard called “CIPURSE”,

with the objective of updating everyday objects with payment /

service capabilities. It supports payment such as closed / open

loop, and peer-to-peer transfers (i.e. from one user’s smart-

phone digital wallet to another user’s keyfob). It also supports

any contactless value-added service such as loyalty, transport

ticketing, etc. The open standard approach enables customi-

zation of solutions for any service provider, in order to answer

the market’s needs with a real user-focused product.

BEIJING MOBILE PAYMENT SOLUTIONSMOBILE PAYMENT MODULE (CHINA)

The MPS Mobile Payment Module with integrated payment

chip and NFC functions, allows smart wearables to be payment

ready in a single step. The MPS Mobile Payment Module family is

a combination of integrated electronic design, micro-antenna,

and smart card technology and provides NFC technology in

standard system-in-package modules, with the smallest having

dimensions of only 4mm x 4mm, it is the smallest secure NFC

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payment system of the world. The smart card like function with a

built-in security controller allows both NFC payment and online

payment processes to be added securely and easily for smart

wearable devices. Due to the complete system integration

with the smart card interface and NFC antenna, the modules can

work as a standalone function, only needing the power supply

from the device, or as plug-and-play, integrated in any system.

Thus it is an ideal solution for smart phones, smart watches, key

fobs, bracelets, fitness trackers etc. Many wearable developers

want to include payment functions into their devices, but do not

have the know-how to develop security products or the space in

the design for a full size payment card – this is where the MPS

mobile payment module bridges the gap to make a wearable

more useful by adding contactless intelligence with security.

PAYKEYSOCIAL NETWORK PAYMENT ENABLEMENT (ISRAEL)

PayKey’s first of its kind secured payment keyboard makes

everyday banking easier and more efficient than ever before.

PayKey’s technology puts banks where their customers are –

on social networks (Facebook Messenger, WhatsApp, WeChat

Twitter etc.). Users enjoy instantaneous money transfer capa-

bilities while chatting with their friends and family members.

As consumers become increasingly comfortable conducting

transactions on emerging channels, it is imperative for banks to

offer services that cater to the changing tastes. PayKey’s tech-

nology is the first to bridge this gap between banking (bank

users) and social interactions (social networks). With PayKey,

customers enjoy the security of the trusted banks within their

favourite applications, making everyday banking easier and more

efficient than ever before. PayKey benefit banks in 3 ways: (1)

Position the bank as innovation leader in the market (2) Consti-

tute the strategic driver for market growth and retention of

millennials (3) Increase revenue and EBIT. PayKey technology’s

main differentiators are: (1) Social network agnostic (2) White

label – branded for the bank (3) API level integration – very low

risk (4) Using the bank payment system (no changes to the

current security practices) (5) USPTO patent has been filed for

the technology.

02RETAIL & LOYALTY

VIX TECHNOLOGYVIX SMARTSITE® STADIUM (AUSTRALIA)

With the Vix SmartSite® system, the Melbourne Storm Rugby

League Club at AAMI Park stadium in Melbourne, is an example

of a disruptive retail and loyalty innovation based on contact-

less smart card technology. This new innovation resulted in

Australia’s first ‘smart stadium’ with an integrated loyalty and

fan engagement solution for Melbourne Storm members. In

addition to the logistical conveniences of a retail contactless

payment system, Storm members also enjoy the benefits of

being integrated with the club’s very own Lightning Rewards

program. Members earn loyalty points each time they attend a

game, use their card to make in-stadium purchases, or share

Storm content on their integrated social media accounts. Fans

can redeem their points for money-can’t-buy experiences, in-

cluding taking part in an official team photo, sitting on field for

a game, or even travelling with the team. The Vix SmartSite®

stadium technology has been embedded in all Melbourne

Storm 2015 season membership cards and is supported by

contactless reader hardware deployed across AAMI Park for

the 2015 season, to support integrated payment, access, loy-

alty rewards and patron analytics technology. In the future, it

will allow sporting clubs and stadiums harnessing mobile and

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contactless technology like Bluetooth iBeacons, NFC and EMV

to further improve patrons’ match-day experiences.

RED ANT / HALFORDSSMARTWATCH-ENABLED CLICK-AND-COLLECT

SERVICE (UK)

Developed as a wearable-enabled click-and-collect service for

Halfords (the UK’s largest cycle / car maintenance retailer), Red

Ant’s solution has reduced paperwork, improved service and

increased loyalty. Currently, over 90 % of Halfords online or-

ders are click-and-collect and the store has a reputation for

giving its customers the best possible, most innovative shop-

ping experiences, and wanted to trial the latest technology for

a better click and collect service in its Leamington Spa branch.

Red Ant developed a fully connected click-and-collect service,

based on tablets, phones, fixed displays and smartwatches to

provide a variety of functions: Staff are automatically notified of

incoming customers and their orders on the screens and watch-

es; Staff can use their phone or smartwatch to generate a pick

list, allowing them to put new orders together while they walk

around the store; Customers check in on a touchscreen kiosk

at the front of the store and confirm their order, are shown

any relevant upsell products and are told where to go to

collect their order and Customers can also use the kiosk to

ask for help, which pages a staff member on their phone or

smartwatch.

ADVANCED CARD SYSTEMS LTD.EPLUS (HONG KONG)

Advanced Card Systems Ltd. (ACS) is Asia Pacific’s top supplier

and in the world’s top 3 suppliers of PC-linked smart card read-

ers. ePLUS is a payment system developed for the Philippines,

that revolutionizes the retail payment habits of the public, en-

abling a shift from cash to electronic payment. The innovation

aims to bring the all-in-one card concept to life by enabling

cashless payment acceptance for malls, partner merchants,

transport facilities, major fastfood chain and convenience

store outlets, and other amenities nationwide. ePLUS is ideally

positioned to educate Filipinos on the benefits of smart card-

based technologies. It is an important initial effort in modern-

izing the Philippines’s smart card infrastructure, and given the

system’s reach, has unparalleled potential to encourage NFC

adoption. The Philippines is a persistently cash-based society.

In spite of this, however, ePLUS has gained a lot of traction,

taking care of not only the shopping needs of consumers, but

a variety of leisure activities. The system has also been used

in 2015 for ticketing in the Manila leg of Madonna’s world

tour. Since its launch, it has been used as a payment card in

selected transportation systems in Metro Manila. In 2016, it

will further its involvement in the public transportation sector,

as it becomes used in the first ever BRT project in the Philip-

pines. As it can be used for such a wide range of activities,

unsurprisingly, ePLUS has been widely adopted.

INGENICO GROUP / SCHUHISMP SERIES (UK)

Ingenico Group is supporting schuh (footwear retailer) to trans-

form its in-store customer experience through the roll-out of

an innovative mPOS solution, which will ultimately mark the

end of the cash register within its UK stores. Schuh wants all

of its stores in the UK and Ireland to be cash register free to

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make each customer’s in-store experience richer, more fluid

and personalized. To achieve this, schuh required an mPOS so-

lution which could meet their ambitious plans to transform the

in-store shopping experience. So, schuh approached Ingenico

to develop an innovative payments solution. The partnership

gathered pace just over a year ago, when schuh went live with

Ingenico’s iSMP device – marking the beginning of a journey to

move away from cash desks and offer their customers a mo-

bile payment option. The iSMP works by transforming a smart-

phone or other device into an EMV Chip & PIN secure mobile

payment solution, allowing sales staff to process payments

anywhere in-store. Following the success of the initial roll-out,

Ingenico is now supporting schuh in the very latest mPOS offer-

ing – the iSMPi5 – an evolution of the iSMP series. The iSMPi5

provides additional longevity by addressing the growing num-

ber of mobile operating systems and form factors; connectivity

via Bluetooth removing the need for a hardwire connection;

fulfilment of the latest hardware security requirements in the

market (PCI PTS 3.x); and an integrated 1D and 2D barcode

reader, replacing the need for external readers.

03TRANSPORT & TICKETING

KENTKARTOPEN LOOP NFC PAYMENT (TURKEY)

Kentkart developed and implemented the Open loop NFC

Payment application that enables interoperability between

multiple cities in Turkey. Kentkart’s open loop NFC payment

project started back in January 2015 in the Turkish city of

Manisa and then spread to Kocaeli, Mersin and Niğde. The

System has also been active in Belgrade, Serbia since gDecem-

ber 2015. With this project, Kentkart transferred processes

such as fare calculation, user rights, and ticket management

carried out in the terminals to the host and so initiated the

active application of the account based open loop payment

model in all cities. All passengers with Android based KitKat

4.4 compatible, NFC featured smartphones who install the

free Kentkart Mobile application from the Android Store, can

easily begin using the mobile payment application provided

by Kentkart. Passengers can purchase a virtual card through

a mobile phone and load money online, without being de-

pendent on any one of the GSM operators and then, using it

like any transportation card, can make their payments on all

public transportation vehicles. Kentkart also accomplished in-

tercity ticket integration, providing seasonal tickets alongside

reinforced security measures with an NFC payment system us-

ing HCE (host card emulation) technology. This enables a pas-

senger buying his ticket in Manisa to also take advantage of

public transportation in Kocaeli, Mersin, and Niğde.

MASABIJUSTRIDE (UK)

Masabi has pioneered public transport Mobile Ticketing; from

crafting the UK rail standards for Mobile Ticketing and work-

ing with half of the UK’s Train Operating Companies, to de-

ploying the first US Mobile Ticketing system with MBTA in

Boston before going on to work with Athens, Los Angeles,

New Orleans and is set to launch on New York’s Commuter

Rail and across France later in 2016. Masabi’s JustRide plat-

form is a cloud-based, deployment-proven, end-to-end mo-

bile ticketing and fare collection system. It comprises award-

winning applications for ticket purchase and display, together

with back-end infrastructure for secure payments, ticket man-

30

agement, customer service, reporting and real-time analytics

and a complete validation software suite for use on smart-

phones, gate lines or standalone readers. It has been success-

fully deployed in cities across the world with many more set to

come online throughout 2016.The deployment-proven system

is built with scalability in mind; new customers can be taken

on and deployed within a matter of weeks. Typically, fare col-

lection installations take place over several years, so this rep-

resents a step-change in the ability of transport operators to

innovate and bring greater convenience to customers. Masabi

has also signed strategic partnerships with MasterCard and

Keolis to help accelerate deployments of JustRide.

OBERTHUR TECHNOLOGIES / SMARTLINKMYCITYGO MOBILE APPLICATION

(FRANCE / SWITZERLAND)

The MyCityGo Mobile application provides a multi-modal

(multiple transport network), multi-service (Transit, Loyalty,

Payment) and multi-metropolitan (usable across Transit Au-

thorities in multiple metropolitan areas) solution. The MyCi-

tyGo Mobile is a mobile phone application where the custom-

er subscribes to the transport service, purchases a transport

product with all the means of payment available on the

market and validates his transport ticket at the gate. The My-

CityGo app uses an embedded secure element, paired with

an application running with the open standard CIPURSE. The

transport operator will have the possibility to offer a smart-

card based on CIPURSE to any user not having an NFC mobile

phone. Smartlink is providing the mobile phone application,

the payment platform and an interface with the Public Trans-

port Operator eCommerce platform. Oberthur Technologies is

providing the PEARL to communicate with the handset secure

element, as well as components for the mobile application

to enable the issuance of transit ticketing data to the mobile

phone secure element, and also managing the interfaces with

the Public Transport Operator ticketing system and the hand-

set manufacturer.

PENRILLIANVOYAGER (UK)

Voyager™ is an ITSO-compliant ticketing app created by

Penrillian and enabled by Ecebs Paragon RTD. Voyager allows

public transport operators to offer customers the facility to

buy tickets and instantly top up their ITSO (the national stand-

ard for smart ticketing) smartcard using their mobile’s in-built

Near Field Communication capabilities. Voyager aims to make

travel simpler, quicker and easier; no need to queue at ticket

vending machines or carry old-style paper tickets. The app can

provide seamless and real time transactional capability, com-

bining journey planning, ticket purchase and ticket delivery.

Voyager facilitates ITSO schemes for multiple operators on a

single card and supports multi-modal ticketing – bus, train etc.

This provides the passenger with a simpler more convenient

end-to-end journey.

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04CONTACTLESS & MOBILE CITY INITIATIVES

TEDIPAYMULTIPASS (UK)

TEDIPAY (UK) Ltd, dubbed “the rocket science company”, has

several disruptive innovations in its technology portfolio: “Wild-

card”, an open-API secure platform for wearables; “MultiPass”,

a smart transit ticketing solution based on contactless pay-

ments; and “Magic”, a fully integrated retail platform that uni-

fies payments, loyalty, coupons and receipts into a seamless

single-click user experience. MultiPass enables best-fare smart

transit ticketing using contactless payments, so that transport

operators can benefit from the emerging global macro trend

driven by Apple, Google, Samsung, Visa, MasterCard and

major banks. MultiPass is offered on the unique disruptive “zero

Capex” basis, allowing transport operators to implement smart

ticketing without disrupting their existing operations and

without incurring any capital cost. MultiPass supports both

prepay and post-pay business models. It can be deployed

across the whole network in a matter of weeks. Additional

tangible benefits enabled by MultiPass include flexible fares

and flexible capping, vastly enhanced customer satisfaction,

increased ridership, reduced fraud and overall improvement of

paperless ticketing operations.

ČESKOSLOVENSKÁ OBCHODNÍ BANKAČSOB TICKETING SOLUTION (CZECH REPUBLIC)

Československá obchodní banka (ČSOB) operates as a universal

bank in the Czech Republic, providing its services to retail clients,

small and medium enterprises as well as corporate and institu-

tional clients. ČSOB is the number one provisioner of cashless

payments in public transport in the Czech Republic, gradu-

ally involving more and more carriers to allow passengers to

use various means of transport – even within different cities,

without having to use paper tickets or cards other than pay-

ment cards. The transport solution by ČSOB reflects not only

passenger requirements for comfort and easy application, but

also delivers a number of benefits for the carriers and cities –

minimum cash, simplified transport, and more attractive pub-

lic transport. Public transport plays an essential role in city life;

therefore, our solution might provide the backbone for so-

called smart cities utilizing smart technology to the maximum.

For the purposes of transportation, we have also developed

tokenization to interconnect season stamps with bank cards.

Furthermore, this technology can also be applied to other

fields. We have initiated a project with an important Czech

ice hockey club where the bank card serves as a season ticket;

so fans only have to take their bank card to the game. Our

unique solution is based on a robust acceptance system which

enables virtual tickets to be kept outside the cards. This sig-

nificantly improves security and extends application options.

This year, we intend to pilot this technology in festivals across

the Czech Republic, taking advantage of other opportunities

offered by EMV, NFC and virtualization.

CORK CITY CENTRE FORUMCORK CASHES OUT INITIATIVE (IRELAND)

Cork Cashes Out was a pilot initiative rolled out by Cork City

Centre Forum, supported by the Banking and Payments Fed-

eration Ireland, to make Cork City Ireland’s first cash-free city

and is in line with Cork being a “smart” city. The Cork City

Centre Forum was established by the Cork Chamber in Septem-

ber 2014 and comprises all the major business stakeholders

in Cork City. This includes retailers and business owners from

32

across the city as well as Cork City Council, Cork Chamber

of Commerce, An Garda Siochana and the Cork Business As-

sociation (CBA). As part of its commitment to advance new

innovative opportunities, Cork City Centre Forum launched

the Cork Cashes Out initiative, a pilot scheme, in November

2015. ‘Cork Cashes Out’ was a first of its kind initiative aimed

at encouraging the adoption of cash-free payment options by

consumers and retailers and to position Cork as Ireland’s first

‘cash-free city’. As Ireland’s second largest city with a “smart

city” agenda, Cork was ideal for the roll out of Cork Cashes

Out. To support the initiative an integrated communication

plan was executed to coincide with the initial launch. This

played an important role in raising awareness of the scheme

among businesses and consumers, as well as education for

the wider public about the benefits of using non-cash pay-

ment methods.

TECH MAHINDRAMOBOMONEY (INDIA)

India’s first contactless digital payment eco-system, Mobo-

Money intends to reshape the value chain in the digital pay-

ment ecosystem in India by infusing better user experience,

innovative technology platform solutions with low cost of

deployment. Enabling Digital Payments in a country largely

driven by cash presents a huge socio–economic opportunity

to bring a positive change in the country’s financial system.

MoboMoney is a contactless payment solution developed by

Tech Mahindra, and implements both NFC and a sound based

payment feature. The wallet is issued in the form of an NFC

tag. The option of PIN-less transactions coupled with the sim-

plicity of an NFC enabled Tap-n-Pay experience has helped

consumers and merchants realize the benefits of digital pay-

ments. Sound based payments will enable financial inclusion,

as it requires minimal hardware and works even on feature

phones. Beyond payments at hyperlocal merchant POS, Tech

Mahindra is investing to expand the contactless digital pay-

ment ecosystem, making it the only service provider in the

digital wallet space to build a Digital Payments infrastructure.

With a vision to enable all forms of payment instruments in-

cluding open-loop Bank issued payment cards, this strategy

will narrow the digital divide and leverage socio-economic op-

portunities linked to a ‘cash-less’ ecosystem.

05PAYMENT SECURITY

2C2PONE-TIME-CARD (SINGAPORE)

2C2P’s One-Time-Card (OTC) enables businesses to manage

complex payment transactions with multiple parties through

its virtual card technology. The OTC customer has access to a

dashboard which provides real-time monitoring of the whole

payment process, from issuance of virtual card to card delivery

and charging. The system monitors and manages the various

payment processes with suppliers, agents, service providers

or other business counterparties. This removes the need for

cumbersome and costly wire-transfers. 2C2P built OTC as a

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unique virtual card that can be pre-loaded to match the exact

required amount. The system issues a card in real-time when-

ever the customer has to pay a supplier, providing an efficient

and secure automated solution for business payments. With

OTC, customers can easily access a complete history of pay-

ments and export them to the company’s accounting systems.

To support their operations, 2C2P runs an AWS architecture

centralized in an Amazon Virtual Private Cloud in the Ama-

zon Asia-Pacific (Singapore) region, with the Amazon United

States West (Oregon) region used for disaster recovery. This

allows 2C2P to control which components of its infrastructure

are exposed to the Internet, adding an extra layer of security

and reduces instances of disruption due to overloading.

SPIRE PAYMENTSINSPIRE MPOS API (UK)

In a relatively short period, Spire Payments has shipped large

quantities of chip and PIN mPOS devices (India, UK, Ger-

many, Poland, France, Belgium, Greece, Finland and more).

Much focus is placed on the design of mPOS hardware,

which is, of course, of paramount importance when it comes

to security. However, it is the speed at which a user-friendly,

feature-rich (yet secure) solution can be brought to market

that is the true differentiator. The key to this capability is

a powerful API (Application Programming Interface), such

as that at the heart of Spire Payments’ mPOS proposition

which is the focus of this award entry. The ability for a third

party developer to write a payment application is essential.

The issue is that most operating systems provide open access

to restricted drivers and operating system functions. This in

turn could; create security holes, negatively affect the port-

ability of an application and put the application in the scope

of the device (PCI-PTS) security evaluation, adding costs and

delays on the development and update cycle. The inSpire

mPOS API overcomes all of these issues, since any misuse

(deliberate or not) by a developer does not affect security /

stability / integrity or reveal sensitive information or functions

to the application.

HYPR CORP. HYPR BIOMETRIC TOKENIZATION (USA)

HYPR decentralizes the storage of biometric data to enable

secure authentication across mobile, desktop and IoT systems.

HYPR biometric tokenization secures payments by making

military grade security available to desktop and mobile ap-

plication providers, while offering end users a pristine UX

across these platforms. Enterprises integrate HYPR into exist-

ing architectures to provide a password -less experience for

employees and customers. As a fully interoperable solution,

users may choose from a variety of biometric authentication

methods, by leveraging existing fingerprint sensors, cameras

and microphones on mobile devices. HYPR is readily available

as a cross platform SDK for BYOD deployment, or as a tamper -

-proof security token for mission- critical settings. The HYPR

biometric security platform eliminates passwords, guarantee-

ing a pristine UX that is far more secure than a username /

password scheme, or the same scheme aided by a second

factor (2FA). HYPR Secure application users have no need to

create, remember, securely store, or reset passwords because

there aren’t any passwords in use.

KEYPASCOKEYPASCO PKI SIGN (SWEDEN)

The Keypasco PKI Sign offers Internet Content Providers full

support of PKI (Public Key Infrastructure) in a portable mobile

device. Keypasco has invented, and patented, a new innova-

tive way of using a user’s mobile device as a secure soft car-

rier of private keys. An end user’s private key is divided into

two parts: a client part, and a server part. The client part is

34

encrypted with a secret (PIN) and stored on the mobile de-

vice. The complete private key can only be recreated to sign a

transaction when the correct mobile device and location has

identified itself, and the right PIN is used to retrieve the client

part of the private key. The feature does not require a Trusted

Platform or a Secure Element. Traditionally PKI systems have

been various forms of hardware, and dependent on the end

user as the carrier of the sensitive private key. Keypasco’s PKI

Sign solution is a versatile and customizable soft PKI option

offered to the market of authentication. The PKI Sign is a part

of the unique Keypasco solution, which is designed to be easy

for mass enrolment over different mobile platforms.

06NEXT GENERATION ECOSYSTEM

EPIPHYTECHAIN REACTOR (USA)

Epiphyte provides a blockchain powered SaaS service that

delivers instant settlement and DVP (delivery versus pay-

ment) for financial trades. Their system is being used by

some of the world’s largest financial institutions for FX, com-

modity, private equity trades and others. Epiphyte’s Chain

Reactor takes care of security, AML and transaction rout-

ing over the blockchain. These services are provided over a

powerful set of APIs, providing a single integration point to

build products utilizing open distributed ledgers. Epiphyte’s

first use-case is remittance payments where their solution

has several benefits: real-time transactions, 85 % cost reduc-

tion, the ability to link between banks and non banks (glob-

al coverage), built-in ability to support AML, auditing and

fraud prevention. International bank transactions are riddled

with complexity, cost and risk. The problem is particularly

acute with high volume, low value transactions. Epiphyte has

demonstrated its ability to solve this problem utilizing open

blockchain networks. Unlike competitors, Epiphyte does not

need to build out their own network – utilizing existing net-

works, they provide banks unprecedented flexibility, tracking

and automation of payments.

LEDGERLEDGER BLUE (FRANCE)

Ledger designs trusted hardware solutions for decentralized

applications such as Bitcoin and Blockchain. In the payment

industry, the smartcard is the golden standard for security.

However, it is not adapted to the needs of the Internet, where

general purpose computers are vulnerable to malware. If you

cannot trust your computer’s display, you need a second fac-

tor validation of all the transactions you are signing (otherwise

a malware could switch the payment address before reaching

the smartcard). Ledger’s latest product – the Ledger Blue – di-

rectly addresses this concern by adding a touch screen to the

traditional smartcard. The user can validate all transactions on

a trusted interface, mitigating all phishing and malware at-

tacks. Featuring BLE / NFC / USB communications, the Blue can

35

be interfaced to any modern computer or smartphone. The

Blue has direct application for Bitcoin / Blockchain projects.

The predecessor of the Blue, the Ledger Nano, has been sold

to 10,000 units in more than 100 countries and is considered

by industry experts as the leading solution in the field.

PLUTUS.ITCONTACTLESS PAYMENTS POWERED BY THE

BLOCKCHAIN (UK)

Plutus is a gateway that empowers you to pay with digital

assets such as bitcoin at any existing contactless payment ter-

minal in the world, fueled by a peer-to-peer trading network

called the PlutusDEX, it runs as a smart contract on the im-

mutable Ethereum blockchain. The proposal that Plutus offers

customers is simple – send bitcoins to the address displayed

on the app and they will be converted to a contactless pay-

ments balance on a multi-currency virtual debit card account

that can be used worldwide. This is the most practical way to

pay with digital assets, as the payments process consists only

of holding a mobile device above the merchant’s NFC reader.

As a result, digital currency payments are effectively accepted

by proxy at over 32 million brick & mortar merchants in the

world. This means that consumers don’t have to wait for mer-

chant adoption, they can use Plutus.it instead. The Plutus app

also awards you a rebate on the blockchain for in-store pur-

chases. These are digital tokens called Plutons, they can be

sent to friends or converted into a contactless balance which

can instantly be used towards the next purchase (similar to the

concept of cash back or air miles on a credit card).

YOTI LTD.YOTI DIGITAL IDENTITY SYSTEM (UK)

Yoti is your ID, on your phone. It helps you prove who you

are to companies and individuals, online and in person.

Once the free app is downloaded, it takes minutes to cre-

ate your digital identity: take a selfie, add your mobile num-

ber, scan your photo ID with your phone, and enter a 5

digit PIN. With Yoti, you can securely log into websites us-

ing your face (no password or username needed), instantly

confirm who you’re talking to online (with remote peer

to peer info sharing) and prove your age with your phone

(nightclubs, cinemas etc). Yoti lets businesses quickly confirm

customer identities, and provides the option of replacing user-

names and passwords with a unique, controlled, biometric

login. The biometric login can also be used to control building

access. Both individuals and companies benefit from an audit

trail of all interactions, and a mobile SDK and API is available

for companies. Yoti enables secure authorization, anonymity

and data minimisation, placing the user in control of their de-

tails – who has them, and how much detail they have. The

ecosystem has been built in such a way that even Yoti cannot

see personal user data. Yoti arrives in Summer 2016.

07ID & AUTHENTICATION

BANK PEKAOELECTRONIC STUDENT IDENTITY CARD (POLAND)

Bank Pekao SA is one of the largest financial institutions in Cen-

tral and Eastern Europe and is a part of UniCredit Group, one of

the leading international financial institutions. Bank Pekao S.A.

has developed the Electronic Student Identity Card (ELS), which

combines the functionality of a payment card with an identity

card. Bank Pekao S.A. has developed the solution for universi-

ties – one card for students which has multiple functionality:

36

legitimacy (Identification card), library card, contactless pay-

ment card (which can pay in stores and online, and withdraw

cash from ATMs), act as a key access device to a specific group

of spaces and a communication / transport city card. To start

using the payment functionality of the card the student has to

open an account with Bank Pekao S.A. Katolicki Uniwersytet

Lubelski Jana Pawła II (Catholic University of Lublin John Paul II –

KUL) was the first university to implement this solution in Poland.

TATRA BANKANFC OVERVIEW (SLOVAKIA)

Tatra banka was the first bank in Slovakia that offered its clients

a native mobile banking application, the first in the EU with mo-

bile contactless payments for iPhone users and the first and only

bank in Slovakia with ATM withdrawals via smartphone. “NFC

Overview” (Authentication through Payment Card and NFC) is

the functionality of Tatra banka’s mobile banking application for

Android smartphones with NFC, which displays an account bal-

ance and the last 10 transactions. The functionality uses a stand-

ard contactless payment card as an authentication tool for the

mobile banking application. Functionality is initiated by tapping

the client’s payment card to the smartphone. NFC Overview is

the fastest and easiest method for a client to find out the balance

on his / her account – which is the most requested information in

mobile banking. A client with multiple accounts / cards doesn’t

even need to remember which card has been issued to which

account. If a user wants to use the NFC Overview functionality,

he / she needs to install the application Tatra banka to the Android

smartphone and enable NFC functionality. Then he / she is ready

to tap the payment card to the smartphone in order to see the

information about an account balance and the last transactions.

ORANGEMOBILE CONNECT (FRANCE)

Orange is one of the world’s leading telecommunications op-

erators with sales of 39 billion euros in 2014 and 157,000 em-

ployees worldwide as of September 2015. Mobile Connect is

the new standard in digital authentication: simply by matching

the user to their mobile phone, Mobile Connect allows them a

secure and universal solution to log-in to websites and appli-

cations quickly, without the need to remember passwords and

usernames. It’s safe, secure and no personal information is

shared without the user’s permission. It can be accessed using

a basic mobile phone. Mobile Connect is easy to use: click on

the Mobile Connect logo featured on the web or mobile ser-

vice you are using, a message will then pop up on the mobile

phone. Then type your personal code if the service provider

requests extra security. The Mobile Connect personal code is

set by the user and it is not saved by the sites themselves or

by Mobile Connect; it is simply encrypted on your SIM card.

After this you are logged into to your website or application.

Orange is committed to launch the Mobile Connect service

in Spain, France, Morocco, Egypt and Jordan in the first half

2016 and other Orange countries will follow later in the year.

OBERTHUR TECHNOLOGIES / HATTON NATIONS BANKSATHKARA PENSIONER CARD (SRI LANKA)

Oberthur Technologies has launched the “Sathkara” card

with Hatton Nations Bank (HNB) in Sri Lanka, which combines

37

identity and payment into one card for pensioners. One side is

an ID card with the pensioner’s photo and other demographic

details, while the other side is dedicated to payment (Visa

Debit card). The contactless interface is used for access & loy-

alty. The card was launched by HNB in December 2015 and

the bank aims to reach the 500,000 pensioners in the coun-

try. Several benefits and privileges can be obtained through a

pension ID card combined with the debit facility. The photo

identity of the owner on the surface of the card is linked to

a bank account for the pensioners to withdraw money. Since

it is powered by a strong international card association, pen-

sioners can use this card for purchases around the world. The

card provides the convenience of having all their identifica-

tion details / data in a secure internationally accepted enabled

device, which allows the Department of Pensions to electroni-

cally store all data about the pension holder in the card itself

for speedy transactions.

08

MOBILE WALLET

FASTACASHFASTACASH SOCIAL PLATFORM FOR PAYMENTS

(SINGAPORE)

fastacash’s innovative technology platform brings payments

and money transfer capabilities through social media applica-

tions and networks. It enables fastacash’s partners from dif-

ferent industries such as merchants, banks, money transfer

operators, and mobile operators, and their end consumers

to make payments and share any type of value seamlessly

through key social networks and messaging apps, together

with digital content such as audio, images, and video, to make

the transactions a truly social experience. Social networks cov-

ered by fastacash include Facebook Messenger, WhatsApp,

WeChat, Skype. The fastacash social platform for payments

is designed with the end consumer in mind. By tapping into

existing social behaviour, the company ensures that all trans-

actions are secure, and the payments experience is seamless

and socially enriched. fastacash’s technology supports both

peer-to-peer and person-to-merchant payments. fastacash

has now enabled social payments for millions of consumers

in multiple international markets. Its technology has been

implemented by leading banks, mobile wallet operators, and

money transfer operators in India, Singapore, Vietnam, the

UK, and Indonesia.

CASHCLOUDCASHCLOUD MOBILE WALLET (LUXEMBOURG)

Cashcloud is an international provider of a mobile wallet and

payment solution that operates an open, neutral and integrat-

ed platform which is totally independent of banks, mobile net-

work operators, and device manufacturers; it works smoothly

on IOS and Android operating systems. The Cashcloud mobile

wallet application turns your smartphone into a wallet and

spans all of the key functions needed for shopping, payments,

sending money between friends, collecting bonus points, re-

ceiving coupons and social messaging – both online and of-

fline. The offer is rounded out with a prepaid MasterCard®

and an NFC sticker based on a partnership with MasterCard®,

making cashless and contactless payments even easier than

before. Another innovative highlight within the app is cash-

cloud’s own virtual currency “cashcredits”. While being part

of the cashcloud scheme, the user is able to collect cashcredits

via Social Media and campaign interactions and swap them for

real money. The option “deals and offers” is providing coupons

and vouchers directly to the user’s smartphone. Furthermore

38

parents can open a supervised sub-account for their children

allowing them to know exactly what their children spend their

pocket money on. With Cashcloud users are able to settle

their payments in a simple and mobile way.

POINTSPOINTS LOYALTY WALLET (CANADA)

The Points Loyalty Wallet enables consumers to seamlessly

and securely manage all their digital loyalty programs in one

place; it complements and accelerates the use of mobile wallet

technology by working alongside existing mobile wallets and

loyalty programs, offering a quick-to-market solution which

allows members to track loyalty balances, exchange loyalty

currency from one program to another, and take advantage

of highly personalized geo-targeted merchant offers on-

the-go. For mobile wallets and loyalty programs, the Points

Loyalty Wallet provides a new and quick-to-market solution

for engaging with new and existing members, while driving

incremental revenue from loyalty transactions. Points powers

the loyalty section for their distribution partners – distribu-

tion partners vary from mobile travel apps and sites, to mobile

wallets that use the Points Loyalty Wallet functionality within

their own apps – to include balance tracking and currency ex-

change amongst participating loyalty programs. The platform

will evolve to include redemption, merchant funded offers

and the Buy, Gift and Transfer options. Buy, gift and transfer

allows loyalty program members to reach reward goals faster,

by purchasing and sharing points / miles via their program’s

website.

VUB BANKAVUB WAVE2PAY (SLOVAKIA)

VUB BANKA is the second biggest bank in Slovakia and a part

of Intesa Sanpaolo Group. Their product, Wave2Pay, is a mo-

bile application using HCE technology for mobile payments

and with additional functionalities offers customers an alter-

native to their physical wallet and brings comfort and safety

to the payment process by using their phone for payments.

This solution merges an application for mobile payments on

Android (enabling contactless mobile payments at POS) and /

or a contactless sticker (Android, iOS, Windows Phone). The

application allows users to see both transaction history and

balance enquiry, as well as geolocation of payments. The con-

tactless sticker additionally allows temporary deactivation to

ensure higher safety. VUB BANKA is the first and only bank in

the Slovak market with NFC HCE mobile payments (competi-

tors’ mobile payments are based on a SIM centric solution).

The VUB Wave2Pay is a standalone application (not a part of

their mobile banking offering). The Wave2Pay application only

for stickers was launched back in 2013 and is available for

Android, Windows and iOS phones. In 2014, after less than 1

year of development, VUB upgraded the application for mo-

bile payments using HCE. VUB Wave2Pay is ready for future

development in all fields of innovative mobile wallets.

NOTES

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45593_Visa_Contactless-Intelligence_Ad-A4-AW.indd 1 17/03/2016 10:04