keep up with the expanding world of payments...friend or foe? attend this session to decide for...

Presented by:

Keep up with the expanding world of payments

Use code oW for an exclUsive $300 off!

www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 3RegisteR today!

EMV Routing Compromise Complicated

by Judge’s Swipe-Fee Ruling

4

Payments Startups Remain Stifled by California Licensing LawExecutives from payment networks, processors, merchant acquirers and ATM manufacturers also provide their viewpoints on sustaining a healthy business while embracing the new. The

annual Payments Innovation Day showcase provides you with new crop of clever, groundbreaking ideas in payments. And new this year is the Digital Money track, a group of sessions which explores

virtual currencies, how merchants and consumers are using them, and the impact of this new ecosystemviewpoints on sustaining a healthy business while embra

Wells Fargo Beefs Up Card

Account Management at ATMs

AmericAn BAnker

TSYS to Buy NetSpend in ‘Transformational’ $1.4B Prepaid Deal

For the processor Total System Services, buying the prepaid card marketer NetSpend

is transformational. For NetSpend it’s going to be business as

usual, the companies say. Buying th

More Bitcoin Companies

Provide Ways to Micro-PayFed’s Debit-Card Swipe-Fee Rules Rejected by U.S. Judge

Reductions in Interchange

Income Concern ATM Deployers

FeBruAry 26, 2013

You’ve got a tricky mandate: discover the next big thing in payments, and maintain a firm handle on your existing business.

In this rapidly developing industry, juggling both is a challenge. You want to preserve and expand your debit business and your ATM network. You also need to explore opportunities in prepaid, mobile payments and maybe even Bitcoin.

Join other bankers and payment technology innovators sharing up-to-date business insights and cutting edge ideas.

Executives from payment networks, processors, merchant acquirers and ATM manufacturers provide their viewpoints on sustaining a healthy business while embracing the new.

The annual Payments Innovation Day showcase provides you with a new crop of clever, groundbreaking ideas in payments.

New this year-Digital Money track. This group of sessions explores virtual currencies, how merchants and consumers are using them, and the impact of this new ecosystem on banks.

You can rely on keen analysis from respected annual surveys as well as advice from best-practice banks that are putting new ideas to the test.

Plan your tip to Vegas to experience it first hand. We can’t wait to see you there.

An industry in Flux Inside: Expert Advice; First-Hand Experiences

Tony Hayes Partner

Conference Chairman


3:30 p.m. – 4:15 p.m.Delivering an Enhanced ATM and Store ExperienceA powerful design and engaging customer experience can deliver great service that builds loyalty. Deep integration with teller and digital channels creates opportunities to delight customers and increase team member engagement. Jonathan Velline will address why you want to consider overall design, workflow, and cross channel integration. Learn how Wells Fargo’s focus on experience delivers more than efficiency strategies alone. See how this approach can lead to innovative store formats, like Wells Fargo’s new neighborhood bank, which delivers more distribution convenience in a smaller footprint.

8:15 a.m. - 9:00 a.m.Leaders in DebitIn this important keynote session, the heads of some of the nation’s largest debit issuers discuss their business in a post-Regulation II environment. Given the recent court ruling on the Fed’s interpretation of the Durbin Amendment, debit regulations may change again, making this discussion especially timely. Some of the critical issues to be explored by this panel include, new debit strategies, new cost paradigms, new debit transactions and new technologies.

Leadership Insights

PRESEnTER: Jonathan Velline, EVP, and Head of ATM Banking and Store Strategy, WELLS FArgo

MoDERAToR: Tony Hayes, Partner, oLivEr WyMAnPAnELISTS: Leland Englebardt, Group Head, Global network Products, MASTErCArD WorLDWiDEJim Hanisch, EVP, Co-oP nETWorkPete Korpady, General Manager, STArneil Marcous, President, nyCEDave Schneider, President, PULSEBob Whyte, Head of Consumer Debit Products, north America, viSA

MoDERAToR: Tony Hayes, Partner, oLivEr WyMAnPAnELISTS: Cecilia Frew, SVP, Head of Debit & Prepaid, PnCEd Kadletz, EVP, Head of Debit & Prepaid, WELLS FArgoBen Stewart, Head of Debit, BAnk oF AMEriCA

MoDERAToR: Dodd Roberts, Executive, MErChAnT CUSToMEr ExChAngE (MCx)PAnELISTS: Sandy Estep, VP and Controller, PUBLix SUPEr MArkETSJohn Manna, VP and operational Controller, LoWES Marie Perry, VP of Accounting & Finance, BrinkEr inTErnATionALJonathan Wallgren, Director, Bank Services , kohL’S DEPArTMEnT STorES

Leland Englebardt

Sandy Estep

Cecilia Frew

Jim hanisch

Tony hayes

Ed kadletz

Pete korpady

John Manna

neil Marcous

Marie Perry

Dodd roberts

Dave Schneider

Bob Whyte

Ben Stewart

Jonathan velline

MonDAy oCToBEr 21

TUESDAy oCToBEr 22

9:00 a.m. – 9:45 a.m.MCx: Who, What, When, Why and how?Merchant Customer Exchange (MCX) is a consortium of the top retailers across the country working to build a new mobile commerce platform, spanning payments, marketing, loyalty, and numerous other features that will revolutionize the shopping experience. And in the process, MCX is seeking to establish win-win partnerships with banks. Following a presentation covering MCX’s approach, a panel discussion will follow with four of MCX’s participating retailers. These merchants will discuss how they think about mobile commerce; why they chose to build their own mobile platform; what they see as the opportunities to build greater loyalty with customers, as well as the challenges of mobile commerce, such as the risk of disintermediation by wallet intermediaries.

4:15 p.m. – 5:15 p.m.network Showcaseone of the highlights of the ATM, Debit & Prepaid Forum is the annual network Showcase, bringing together the top payments networks all on one stage at the same time. As regulated and exempt issuers alike grapple with growth, new technologies and an uncertain regulatory environment, this keynote session provides an unparalleled opportunity to hear from the organizations shaping the future of the payments market.

PULSE BAnk oF AMEriCA WELLS FArgo viSA

MASTErCArD WorLDWiDE PUBLix SUPEr MArkETS PnC Co-oP nETWork oLivEr WyMAn WELLS FArgo STAr LoWES nyCE BrinkEr inTErnATionAL. MCx

http://register.sourcemediaconferences.com/iebms/reg/reg_p1_form.aspx?oc=10&ct=BR&eventid=5911


11:15 a.m. – 12:00 p.m.open and Secure Mobile Payments Leading banks are collaborating on an exciting new dynamic payment tokenization solution to improve the security of emerging mobile and digital payments. In this session, The Clearing House and founding bank executives will describe the “Secure Cloud” program and discuss the case for industry action to protect the integrity of the payments system and to encourage open innovation.

10:30 a.m. – 11:15 a.m.ACh: Friend or Foe?Customers drive payment choice. never before has that been a truer statement. As innovation continues and the payments system as we know it evolves, the services that directly meet end users’ needs are those that will emerge as tomorrow’s solutions. In this regard, the ACH network is an enabler. As the backbone for safe, secure and reliable direct account-to-account payments, the ACH network offers opportunities from settlement and business payments, to P2P and point-of-sale solutions. Many see this and are capitalizing on ACH network strengths to meet customer demands. Does that make the ACH network a complement or a competitor? Friend or foe? Attend this session to decide for yourself. Determine how you want to position your offerings alongside this backbone payments network.

8:00 a.m. – 8:45 a.m.Leaders in PrepaidThe general purpose reloadable (GPR) prepaid space is growing very quickly, offering a convenient, low-cost banking and payments option for millions of consumers. This panel discussion with some of the country’s top GPR program managers will explore the evolving economics of the GPR space, including the potential impact of Reg II and whether GPR’s exemption is critical to its business case. Panelists will share their view on the newest bank prepaid offerings and their advice for new entrants, as well as the unique fraud considerations for GPR cards.

PRESEnTER: Jan Estep, President & CEo, nAChA-ThE ELECTroniC PAyMEnTS ASSoCiATion

PRESEnTERS: Richard Char, Head of Digital networks and Merchant Relations, CiTi EnTErPriSE PAyMEnTS Vin D’Agostino, SVP, Payment Strategy, JPMorgAn ChASEDavid Fortney, SVP, new Product Development, ThE CLEAring hoUSE

MoDERAToR: Andy Dresner, Partner, oLivEr WyMAnPAnELISTS: Alpesh Chokshi, President of Global Payment options, AMEriCAn ExPrESS Chuck Harris, President, nETSPEnDSteve Streit, Chairman & CEo, grEEn DoT

MoDERAToR: Michael Zeltkevic, Partner, oLivEr WyMAnPAnELISTS: Glenn Fodor, Partner/Research Analyst - Payments & Processors, AUTonoMoUS rESEArChAshwin Shirvaikar, Director, Computer Services & IT Consulting, CiTiTim Willi, Managing Director, WELLS FArgo SECUriTiES

Leadership InsightsAlpesh

ChokshiAndy

DresnerJan

Estep

glenn Fodor

David Fortney

Ashwin Shirvaikar

Steve Streit

Tim Willi

Michael Zeltkevic

WEDnESDAy oCToBEr 23TUESDAy

oCToBEr 22 Continued8:45 a.m. – 9:30 a.m.industry outlook-investment Analyst PanelThe payments sector is one of the most vibrant in the equity market, spanning large cap stocks, such as MasterCard and Visa, to smaller startup payment technology firms, to various challengers looking to grow in payments, such as Apple, AT&T, eBay, Google and MCX. And, with strong growth rates, recurring revenue, healthy margins and attractive free cash flow, payments companies tend to command high P/E ratios. This panel of top-rated investment analysts will discuss the payments sector and share their views of the best opportunities.

richard Char

AMEriCAn ExPrESSCiTi

vin D’Agostino

JPMorgAn ChASE

AUTonoMoUS rESEArCh

nAChA

ThE CLEAring hoUSE

Chuck harris

CiTi grEEn DoT WELLS FArgo SECUriTiES oLivEr WyMAnnETSPEnDoLivEr WyMAn



ATM: Present and Future Sponsored by

TUESDAy, oCToBEr 22

1:30 p.m. – 2:15 p.m.The new Consumer ATM Experience: Before, During and After the TransactionIn a world where consumer attention seems forever fixed on a screen—smartphones, TVs, tablets, laptops—It’s important to remember the attention-getting quality of a screen known to many demographics—the ATM screen. Consumers continue to remain deeply engaged throughout an ATM transaction, and for good reason. That screen is telling them about their money. This session covers how financial institutions are leveraging the ATM screen, and the oldest self-service channel, to create a memorable and valuable consumer experience.

2:20 p.m. – 3:05 p.m.ATM 2020: Bridge to Digital or “Branch” of the FutureThe industry is abuzz with network transformation concepts as banks strive to better match legacy infrastructure to customer wants and needs. The ATM is often suggested as a perfect supplement or substitute. But how persistent will the need for physical distribution be at all? Will ATMs need to be culled in the next round of cuts? How do partnerships vs. owner ATMs play a role? This panel will use a combination of proprietary research, industry case studies, and direct learnings from banks to examine this issue.

3:05 p.m. – 3:20 p.m.networking Break

3:20 p.m. – 4:05 p.m.Driving innovation to impact All Customers: Making ATM and Banking Services Available to People with DisabilitiesPark yourself at the intersection of innovation and learn about the legal obligations related to making your ATM and banking services accessible to people with disabilities. By designing accessible services, you’ll achieve innovation in your service delivery, better user interfaces, an expanded customer base, and fulfillment of legal obligations under the Americans with Disabilities Act. You can unlock the secret to why there is Braille on drive-up ATMs and learn about partnership opportunities with the national Federation of the Blind.

4:10 p.m. – 4:55 p.m.The intersection of Mobile and ATMs: Cardless Cash Access By the end of the year, Wintrust Financial Corp. plans to deploy 180 ATMs that let customers withdraw cash without a plastic card by using the FIS mobile wallet installed on their mobile phone. once the wallet app is opened and the user is authenticated, they’ll scan a QR code on the ATM to access their cash. An electronic receipt is then delivered to the smart phone. Hear about the bank’s initial pilots in this presentation.

WEDnESDAy, oCToBEr 23

10:15 a.m. – 11:00 a.m. Leveraging video to Enhance the ATM ExperienceThe collision of technology advancements and changing demographics is dramatically impacting the way consumers expect to interact with banking channels. Montana’s Missoula Federal Credit Union will share how it is leveraging video as a key element of the ATM experience. For Missoula, video represents the next step in delivering greater personalized service, enhancing self-service capabilities and enabling members to complete more transactions outside the branch. You’ll discover how to create a go-to-market plan for video and get tips for using video technology to enhance the ATM experience.

11:00 a.m. – 11:45 a.m.Merchant Cash ManagementDespite increasing adoption of card payments, cash usage is still on the rise. Banks are actively managing consumer migration away from cash, and working with merchants to enable electronic transactions. But what about merchant cash management? How much does it cost merchants to process cash? What are the solutions for them and what role can banks play in providing this service? Presenters discuss innovative solutions and the opportunity for banks and their customers.

11:45 a.m. – 12:30 p.m.Spotlight on the ATM Channel: new Technologies, new Services, and new regulations Along with exciting new technologies comes a host of new services designed to make ATM management more cost-effective and customer-friendly. new regulations, from EMV to PCI and Windows 7 and volatile interchange rates are presenting a different set of challenges. But new ATM capabilities can play an important role in increasing efficiencies and bank profitability.

PRESEnTERS:Sally Reilly, Director, ATM Channel, SovErEign SAnTAnDErRick Updyke, President, U.S. Business Group, CArDTroniCS

MoDERAToRS: Ethan Teas, Principal, novAnTAS, inC.Kevin Travis, Managing Director, novAnTAS, inC.PAnELISTS: Mark Gilder, Payment Services Business Manager, CiTi Beth Hale, SVP, Retail network Strategy, BAnk oF ThE WESTKarla Mizelle, SVP Product & Channel Strategy, FirST CiTiZEnS BAnkSteven nowaczyk, VP ATM Self-Service Channel Manager, BMo hArriS

PRESEnTERS:Mark A. Riccobono, Executive Director, JErnigAn inSTiTUTE, nATionAL FEDErATion oF ThE BLinD; First Blind Driver at the Daytona International SpeedwayMehgan Sidhu, General Counsel, nATionAL FEDErATion oF ThE BLinD

PRESEnTERS:Mychal Kempt, VP, north American operations, DiEBoLDBill St. John, VP, Branch Manager and Commercial Loan officer, MiSSoULA FEDErAL CrEDiT Union

PRESEnTERS: Harry Brandicourt, SVP, Managing Director, Strategic Planning Group, Director of Innovation, FiFTh ThirD BAnkBen Hoffman, Partner, oLivEr WyMAn

PRESEnTERS: Douglas Brown, SVP & GM, FiS MoBiLETom ormseth, SVP, WinTrUST FinAnCiAL

MoDERAToR: Ed o’Brien, Director of Banking Channels Advisory Services, MErCATor ADviSory groUPPAnELISTS: Laura Jones, SVP Compliance & Risk Management, ELAn FinAnCiAL SErviCESScott Post, SVP, hAnSCoM FEDErAL CrEDiT Union David Tente, Executive Director, ATMiAJustin Zawaly, SVP, FI Sales & Account Management, ELAn FinAnCiAL SErviCES


http://www.paymentssource.com/conferences/1_18/track_1/


Sponsored by

TUESDAy, oCToBEr 221:30 p.m. – 2:15 p.m.The Annual Debit issuer StudyThe Debit Issuer Study is the most comprehensive benchmarking study of debit issuers in the U.S. The 2013 study draws its insights from interviews with and data from 64 debit issuers, that collectively issue more than 140 million debit cards and represent 45 percent of U.S. debit transactions. Two topics will be the focus of this session – the “new normal” associated with debit post-Durbin, and “adjacent” developments that are affecting debit. Are issuers still as focused on debit? What are issuers doing about rewards? Presenters will also review developments in prepaid, EMV and mobile payments.

2:20 p.m. – 3:05 p.m.Cracking the Conversion: Best Practices in Switching Debit ProcessorsChanging processors is challenging and can be disruptive to customers, which is why it’s not something banks do regularly. But, with the Durbin Amendment implementation dates approaching, KeyBank knew that it was time for a change. In this session, KeyBank and MasterCard IPS will discuss how they approached the conversion, best practices discovered through the conversion process, and share some lessons learned for other financial institutions considering a change in networks or processors. 3:05 p.m. – 3:20 p.m.networking Break

3:20 p.m. – 4:05 p.m.how instant issuance is Shaping Customer ServiceThe inconvenience of a lost or stolen card negates the actual convenience of using the card. A new or replacement card can take up to two weeks to deliver, resulting in cardholder dissatisfaction and a loss for the financial institution. The ability to instantly issue cards can be a crucial differentiator, transforming the branch into a super customer service center by providing cards within seconds, not weeks. Hear how instantly issuing cards establishes your institution as superior in providing convenient, responsive service.

4:10 p.m. – 4:55 p.m.Disputes and Chargebacks - Bringing The risk Down?It’s easier than ever for customers to dispute transactions. Given this new dymanic, issuers must be prepared to resolve transactions quickly before they miss critical turnaround parameters. Presenters share best practices so you can learn how to reduce operating timeframes, internal handling expense and manage account workflows.

PRESEnTERS: Inderpreet Batra, Partner, oLivEr WyMAnJudith McGuire, EVP, PULSE

PRESEnTERS:Kelli Jones, VP, MASTErCArD iPSDave Sanderson, VP, Debit Card Manager, kEyBAnk

PRESEnTERS:Bill Dinker, President, EFT SoUrCE Jeremy Miller, Regional VP, Western Central Region, CEnTiEr BAnk

WEDnESDAy, oCToBEr 2310:15 a.m. – 11:00 a.m. Deals and Data: Driving relevant interactions with Card Members Through Targeted offersFinancial Institutions are continually looking for new ways to drive value for today’s connected customers. Card-linked offers are among the newest trends in the banking industry, marrying bankcards with merchant offers, intelligently targeted to drive consumer usage. The ability for near-instant redemption and credit could provide a powerful advantage for banks.

11:00 a.m. – 11:45 a.m.Broadening the view to Better identify Compromised Card AccountsCompromised credit and debit accounts continue to cost the industry billions of dollars in losses each year. What’s needed is a more complete picture of consumer activity by drawing on a host of data including deposit activity, debit and credit card activity, and ATM transactions as well as analytics to more quickly—and accurately—pinpoint compromised or questionable accounts. Hear the results of this effort, and how the findings could provide the card industry with a more enhanced solution to compromises in the future.

11:45 a.m. – 12:30 p.m.inside the U.S. Credit/Debit Dynamic: Exploring Shifts in Consumer Spending and Saving BehaviorThe United States continues to witness sustained growth in payment card volumes despite a stop-and-start recovery. This presentation will share research on consumers’ shifting behavior around spending, and saving and how it’s affecting the dynamic between credit and debit. only by positioning their profitability measurement, product design, and marketing and segmentation in ways that capture these changes in consumer behavior can institutions and merchants remain profitable in the new reality.

PRESEnTERS: Steve Kietz, EVP/ GM, Strategic Partnerships, EDo inTErACTivE Stephanie Polen, Director, Client Portfolio optimization, vAnTiv

PRESEnTERS:neill Haskin, SVP, Global Consumer Fraud, BAnk oF AMEriCARobert Hill, VP, Market Strategy, EArLy WArning

PRESEnTER: Ted Iacobuzio, VP, Global Insights, MASTErCArD

PRESEnTERS:Paul McMeekin, Senior Product Marketing Manager, ACiAndrew Paur, EVP & Corporate operations officer, WooDForEST nATionAL BAnk

Debit Dynamics




TUESDAy, oCToBEr 221:30 p.m. – 2:15 p.m.The Economics of PrepaidEconomics have significantly altered the shape of the prepaid market. only two independent GPR program managers with significant volume remain, with other large prepaid programs either vertically integrated or now a division of a larger enterprise. This session will utilize results from a pro forma analysis of a Prepaid Financial Services portfolio to identify the economics and demonstrate the challenges confronting independent program managers, banks and credit unions entering the prepaid market.

2:20 p.m. – 3:05 p.m.Prepaid Matures as an industry – What’s in it for you?Do you wonder what you’re missing, asking yourself, “what’s in it for me?” when it comes to prepaid? Prepaid has become increasingly mainstream, and is broadening into specific markets with enhanced product offerings. This creates the possibility of longer-term, more profitable customers, and cements the value of prepaid for both traditional financial services firms as well as early-stage innovators. Hear from this panel on the evolving value of prepaid as the market matures.


3:20 p.m. – 4:05 p.m.Payroll Card Programs: how new Technology is Changing the Consumer MindsetWhile electronic payroll has seen significant adoption, challenges still exist for employers looking to achieve 100 percent electronic pay. This session will explore the ways technology—mobile, social and web-based—are changing the payroll card market. The case study will also cover the importance of employee-focused tools in boosting adoption, retention and satisfaction. And you’ll hear about top features to look for when considering a prepaid payroll provider.

4:10 p.m. – 4:55 p.m.how Prepaid innovation is Driving Future Advances in Financial ServicesInnovations in prepaid are driving expansion in financial inclusion and creating a new payments infrastructure that will ultimately bring the benefits of security, speed, simplicity and fee transparency to all consumers, not just the underbanked. This group of panelists, representing the heads of companies driving such innovations as remote servicing, instant money movement, mobile acceptance and electronification of bill payments will discuss how the emergence of new technologies and services are accelerating the growth of prepaid.

PRESEnTER: Tim Sloane, VP Client Services & Director, Prepaid Advisory Service, MErCATor ADviSory groUP

MoDERAToR: Kirsten Trusko, President and Executive Director, nETWork BrAnDED PrEPAiD CArD ASSoCiATionPAnELISTS: Juli Spottiswood, President & CEo, PArAgoWendy Harp-Lewis, Chief Compliance officer inTELiSPEnDKatherine Yee, SVP, Prepaid Cards, WELLS FArgo

PRESEnTERS: Gary Lott, Division VP and GM, ADP Linda Pappillion, Sr. Director - Payroll, HRIS, & Employee Records, PACiFiC SUnWEAr

WEDnESDAy, oCToBEr 2310:15 a.m. – 11:00 a.m. is it Time We Start Thinking of Prepaid As Just Another Deposit Product?This session will explore the fundamental differences between prepaid under the old model vs. prepaid as a new bank deposit product. It will highlight the market and revenue opportunity for selling prepaid to bank customers, the impact on customer relationships, we well as operational and compliance responsibilities of prepaid compared with other deposit products. This panel of community and regional bankers will relay the decision factors that led their institutions into prepaid, and share their experiences now that they have incorporated prepaid into their deposit product line.

11:00 a.m. – 11:45 a.m.Separating your Prepaid Card From the PackWith the dramatic growth of the prepaid industry expected to continue, and as more prepaid players enter the market, prepaid card features will be key in separating the pack. Anu Shultes, Blackhawk network General Manager of Financial Services, will discuss the best prepaid features and what the industry can expect to see in future products as consumers begin to demand more flexibility, tools and amenities from their cards.

11:45 a.m. – 12:30 p.m.how to Launch a Prepaid Card Program: A Case StudyQuestion: How can you offer card-based payments in a region with a high unbanked population and no domestic payments scheme? Answer: By developing and launching a prepaid payroll program and a new domestic payments network. Come hear how network International (nI), the leading payments company in the Middle East, successfully brought both to market this year. The session will discuss the various cards that can be deployed, the economic rationale for each, and their applicability to different types of markets. Additionally, nI will share how a domestic payments scheme can be established and the advantages that such a scheme provides.

MoDERAToR: Cathy Corby Parker, Chief Revenue officer, TrAnSCArDPAnELISTS: Scott Bivens, VP Electronic Payments, CiTy BAnk TExAS Travis Colquett, VP/Compliance officer FirST CiTiZEnS BAnkJane Haskin, President & CEo FirST BEThAny BAnk & TrUST

PRESEnTER: Anu Shultes, General Manager, Financial Services and Telecom, BLACkhAWk nETWork

PRESEnTER: Paolo Zambonini, EVP, Product and Marketing, nETWork inTErnATionAL

MoDERAToR: Lisa McFarland, Head of Consumer Prepaid Products, viSAPAnELISTS: Dave Alvarez, CEo, nExxoYouri Bebic, General Manager, nFC Prepaid Services, DEviCE FiDELiTyDrew Edwards, CEo, ingo MonEy Hamed Shahbazi, Founder, Tio nETWorkS CorP.

Prepaid On The Rise




Sponsored by

TUESDAy, oCToBEr 22

1:30 p.m. – 2:15 p.m.The Future of PaymentsWhy should you offer an EMV program? Are checks even relevant anymore? To nFC or not to nFC? What does it take for credit unions to prepare for the next level of payments? This presentation will provide clarity to the current payments picture and offer a glimpse into what a dynamically changing payments ecosystem will bear out in the coming years. You’ll hear about the demands that consumers are placing on the mobile payments channel and shine a light on several key mega payment trends.

2:20 p.m. – 3:05 p.m.Mobile imaging and the new Customer Experience for PrepaidMany financial institutions are in the process of adopting or evaluating mobile remote deposit capture as part of their suite of mobile services. This presentation will review the current trends and adoption of mobile imaging, including mobile deposit and bill pay. The session will explore the impact of these trends on prepaid, in particular how these applications are beneficial to the underbanked. Critical success factors for adopting mobile imaging will be outlined.


3:20 p.m. – 4:05 p.m.Policy issues in Mobile PaymentsThe business of mobile payments will undoubtedly be impacted by the business of government. This panel will address top legal and policy issues that companies in the mobile payments chain should be watching. The panel will address legislation on Capitol Hill that will impact mobile payments, what state and federal government agencies are doing to help or hinder the deployment of mobile payments. And in particular, how the Consumer Financial Protection Bureau and Federal Trade Commission are looking at mobile payments.

4:10 p.m. – 4:55 p.m.Will retailers ignite Mobile Payments at the PoS?nFC models haven’t taken hold. With the exception of Starbucks successful mobile PoS, there aren’t many widespread success stories of consumer adoption of mobile payments, despite the available technology. But retailer apps might spark adoption. This panel will address these why retailer apps are attractive to customers, and whether there will be a huge proliferation of apps as a result. The session will also cover the implications for banks and card schemes such as private label.

WEDnESDAy, oCToBEr 23

10:15 a.m. – 11:00 a.m. google glass: Wearable Devices and its impact on Mobile CommerceThe advent of Google Glass might be the next great device form factor—the wearable device. The Internet sparked online banking and financial management. The cell phone ushered in a whole new generation of mobile financial services that led to smartphone and tablet banking and transactions. With this in mind, what potential financial services applications for wearable devices like Google Glass are possible? What are the security, functional and design implications? A panel of app developers address these and other forward looking issues.

11:00 a.m. – 11:45 a.m.The Evolution of Person-to-Person Payments As real-time payments become available, and as usage shifts from online to mobile devices, banks and credit unions are seeing different use cases evolve for P2P. This session will explore how bank and credit union account holders are using person-to-person payments, including details on transaction types, amounts and user demographics, how these factors have changed over the last 12 months, and how they are anticipated to shift in the next 12 months.

11:45 a.m. – 12:30 p.m.Mobile Wallet Legal issues from A to ZAs the mobile wallet evolves, so do the legal issues relating to the development, implementation and operation of mobile wallets and other mobile payments platforms. This session will help you to spot potential legal issues and pitfalls. It will particularly help emerging businesses adopt corporate forms and contractual relationships that minimize legal and regulatory exposures and compliance costs.

PRESEnTER: Michael J. Kelly, President, PSCU

PRESEnTERS:Michael Strange, CTo, MiTEkJon Rosner, VP, new Product Development, AMEriCAn ExPrESS

PRESEnTER: Jason oxman, CEo, ELECTroniC TrAnSACTionS ASSoCiATionAdditional Presenters to be Announced

MoDERAToR: Sean Sposito, Tech Reporter, AmericAn BAnkerPAnELISTS: Bradley Leimer, VP, online and Mobile Strategy, MEChAniCS BAnkJim Marous, SVP, Corporate Development, nEW ConTroLRobert Peck, Managing Director, SUnTrUST

PRESEnTERS: Tom Roberts, SVP, Marketing, CashEdge Division, FiSErvAdditional Presenters to be Announced

PRESEnTER: Brooks E. Harlow, Principal/Mobile Payments Counsel, LUkAS, nACE, gUTiErrEZ & SAChS, LLP

PAnELISTS: Zilvinas Bareisis, Senior Analyst, CELEnTAdditional Presenters to be Announced

Mobile Opportunities




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TUESDAy, oCToBEr 221:30 p.m. – 2:15 p.m.Bitcoin for Bankers: virtual Currency overviewThe hype about Bitcoin and other virtual currencies often misses the real significance to the financial services industry. Cut through the noise about the Winklevoss twins and the whipsawing price of Bitcoins, and you’ll find a seriously disruptive technology. As a payment system, as a means of exchange, Bitcoin competes with PayPal, Western Union, MoneyGram, Visa and MasterCard, and to some extent with banks themselves. This session will explain what Bitcoin is, how it works, and the real reasons bankers should pay attention.

2:20 p.m. – 3:05 p.m.Compliance and AMLFor startups in the virtual currency space, and the banks and other traditional providers that serve them, it has become critical to understand the regulatory requirements from anti-money laundering and know-your customer rules. The Fincen guidance released this year, however, left a number of questions unanswered, and recent state regulatory actions, such as California’s “cease and desist” warning to the nonprofit Bitcoin Foundation, have only confounded matters. This session will look at the risks – and opportunities – for bankers and other financial services veterans who want to work with the new players to navigate the blurry regulatory landscape.


3:20 p.m. – 4:05 p.m.The Merchant Perspective on Digital MoneyFor merchants, Bitcoin’s appeal is twofold: The fees are much lower than for traditional payment networks, and like cash, Bitcoin does not have chargeback risk. For merchants that want to avoid the volatility of Bitcoin’s exchange rate with the dollar, there are services that will take the currency risk for them, for a fee that still beats the legacy systems. This panel will discuss the types of merchants where virtual currencies are gaining traction, and why.

4:10 p.m. – 4:55 p.m.Beyond Bitcoin – other new MoniesLitecoin, Ripplecoin, opencoin, namecoin, PPCoin, Freicoin – it seems the virtual currency space spawns a new “alt coin” every day. Some of these are rivals to Bitcoin, some complement it. This session will explain some of the major “alternatives to the alternative” and their relative strengths and weaknesses.

PRESEnTER: George Peabody, Senior Advisor, gLEnBrook PArTnErS

PAnELISTS: Constance Choi, General Counsel, PAyWArDJuan Llanos, Co-founder, EVP and Compliance officer, UniDoS FinAnCiAL Adam Shapiro, Director, ProMonTory FinAnCiAL

PRESEnTERS: Maria Sparagis, President, DirECTPAynETAdditional Presenters to be Announced

PRESEnTERS:Chris Larsen, CEo & Co-Founder, oPEnCoinShamoon Siddiqui, CEo & Co-Founder, CryPTo STrEET

MonDAy, oCToBEr 21, 2013

CoMPAnY: ACCULynkPRoDUCT: PAyZUr“Payzur is the type of innovation that makes you say: ‘That’s so simple; why have we been trying to make it so complicated when the solution was there all along?’ The secret is in the PIn.”

CoMPAnY: CorDUroPRoDUCT: hAnDS-FrEE PAyMEnTS “Most big companies want a mobile strategy but struggle with innovation around their existing investments. We will show big companies a way to get a mobile payments strategy launched in days vs. months.”

CoMPAnY: FiSErvPRoDUCT: SPoTPAy “The key differentiator with our solutions versus the plethora of new apps on the market today is that Fiserv solutions keep banks at the center of the payments chain.”

CoMPAnY: inETCo SySTEMSPRoDUCT: inETCo inSighT “InETCo Insight is the first and only vendor-agnostic transaction monitoring solution to provide end-to-end visibility into every consumer transaction initiated through client applications resident on mobile devices, through to their back-end payments processing applications and third party telco service provider connections.”

CoMPAnY: FExCo & FirST DATAPRoDUCT: MoBiLE ATM WiThDrAWAL“The service is of interest to ATM networks because of the simplicity of integration. no card required. Quick and convenient for customers”.

CoMPAnY: LoyLogiC PRoDUCT: PoinTSPAy“Different from other wallets, our wallets do address a consumer need and issue that has not been solved in the last decade: Can I use my miles and points wherever and whenever I want? We solved it by providing an app that allows converting miles and points into cash, loaded on a re-loadable virtual or plastic prepaid card.”

CoMPAnY: onBUDgETPRoDUCT: onBUDgET PrEPAiD CArD“onBudget’s innovative prepaid card product addresses the fastest growing and most lucrative market segment of the prepaid debit card market, the middle income banked consumer segment. “

CoMPAnY: MArqETAPRoDUCT: +M PLATForM“Marqeta is powering a new kind of commerce for consumers, merchants and enterprises in the way business is conducted and relationships are valued in the marketplace.”

CoMPAnY: MASTErCArD WorLDWiDE PRoDUCT: SoUTh AFriCAn SoCiAL SECUriTy AgEnCy (SASSA) DEBiT MASTErCArD“Its use of biometric and voice recognition technology are a significant step forward for security, privacy and fraud prevention.”

1:00 p.m.Audience voting Those attending can vote: “Technology most likely to succeed.” The winner will be announced during lunch.

1:00 p.m. - 2:15 p.m.Lunch and Announcement of Winner

The annual Payments Innovation Day (PiD) demonstration showcase will feature cutting-edge solutions driving innovation in payments. You’ll see demonstrations in quick-fire format from up-and-coming companies, giving you the scoop on potential game changers in payments. Audience members will be asked to vote on their favorite solution, crowning the winning company “most likely to succeed.”

here is just a hint of what’s to come from each company:

Digital Money: A New Payments Paradigm NEw THIs

YEAR!Who is the next disruptor? or the technology that will help reduce friction in the payment process? The one that will make a breakthrough in payments? or the start-up that changes how consumers pay for things?

9:30 a.m. - 11:00 a.m. 11:30 a.m. - 1:00 p.m.

For the detailed agenda of Payments Innovation day see page 19.




Workshops: key ConCepts 2:00 p.m. – 4:00 p.m.WorkShoP A: Launching a Prepaid Program: Weighing the risks and rewards Regulatory changes and actions have had a noticeable chilling effect on the traditional program manager/BIn sponsorship card issuance model. Prepaid card processors and program managers are frustrated by their inability to find BIn sponsors for new card programs. The lack of BIn sponsors in the US is now at a crisis level.Philliou Partners recently met with regulators, issuers and program managers about this crisis yielding a detailed understanding of what is required to be a BIn sponsor in this new environment.KEY TAKEAWAYS: Understand the new requirements and procedures for BIn sponsorship. You’ll learn about the redefined role of a BIn sponsor and focus on operational, financial and regulatory requirements. WoRKSHoP LEADERS: Phil Philliou, Partner, PhiLLioU PArTnErSMelissa Lavery, Senior Director, Product Marketing and Strategy, PhiLLioU PArTnErS

4:00 p.m. – 6:00 p.m.WorkShoP C: Crypto-what? What you need to know About the Digital Economy and Social Media Payments The rise of social media and the e-commerce market has led to the birth of the digital economy and massive changes in the payments arena. From Bitcoin to Amazon Coins to Ripple, players big and small are entering the digital and social media space, each vying for a piece of the lucrative payments pie. While some traditional financial services providers and payments companies have already entered the market, many still view the digital economy with a combination of confusion and skepticism. KEY TAKEAWAYS: Better understand the digital economy, payment trends and virtual currencies, and the consumers who make social media payments. You’ll learn about the real world value and real world threats of this budding industry.WoRKSHoP LEADERS: Aleia Van Dyke, Payments Analyst, JAvELin STrATEgy & rESEArChDan Schatt, ForMErLy WiTh PAyPAL

Workshops: neW rules 2:00 p.m. – 4:00 p.m.WorkShoP B: Legislative and regulatory Developments in Payments: A 2013 review and 2014 PreviewThe legislative and regulatory landscape surrounding payments is in a state of flux as lawmakers grapple with privacy concerns, risk concerns and rapidly-advancing technology. This year is shaping up to be a pivotal year. Learn what transpired so far in 2013 and what remains on the agenda as Congress tackles these issues as they simultaneously prepare for next year’s mid-term elections. KEY TAKEAWAYS: This session will examine the state of interchange/Regulation II; the role of the Consumer Financial Protection Bureau; extending Regulation E protection to general use prepaid cards; FFIEC guidance on social media; Do not Track and geo-location legislation; mobile payments; and big data.WoRKSHoP LEADERS: Dennis Ambach, Government Relations Liaison EArLy WArningKim Ford, VP Public Affairs, FirST DATAJohn Hagy, Chief Legal officer, METABAnk

4:00 p.m. – 6:00 p.m.WorkShoP D: PCi Compliance: Maintaining the Security of your Customer’s Payments DataThe Payment Card Industry (PCI) has established a set of standards to maintain the security of payment card information across the value chain— from merchant to ATM to processor to issuer. You’ll hear about the practical requirements for banks and processors and recommendations for organizations in order to safeguard payment data.KEY TAKEAWAYS:Cover the essentials of PCI compliance including how standards are enforced, the consequences if compliance isn’t met, enforcement and recommendations for all entities in the payments chain. WoRKSHoP LEADER: Troy Leach, CTo, PCi CoUnCiL

SUnDAy, oCToBEr 20, 2013

workshop Day1:00 p.m. | Conference Check-in and registration opens

Agenda at-a-GlanceSUn | oCT 20 wORKsHOP DAY1:00 p.m. registration opens

Sponsored by

2:00 p.m. - 4:00 p.m. Workshops A or B

4:00 p.m. - 6:00 p.m. Workshops C or D

6:00 p.m. - 7:00 p.m. Wine and Cheese reception

Mon | oCT 21 8:00 a.m. registration opens

Sponsored by

8:00 a.m. Continental Breakfast

9:30 a.m. introduction and Welcome

9:30 a.m. - 11:00 a.m. Payments innovation Day: Part 1

11:00 a.m. - 11:30 a.m. networking Break

11:30 a.m. - 1:00 p.m. Payments innovation Day: Part 2

1:00 p.m. voting Commences

1:00 p.m. - 2:15 p.m. Lunch and Announcement of Winner 2:15 p.m. - 3:15 p.m. networking Break

3:30 p.m. Full Conference Commences

3:30 p.m. - 5:15 p.m. keynote and Featured Sessions

5:15 p.m. - 7:00 p.m. opening reception in the Exhibit hall

TUE | oCT 22 CONFERENCE DAY7:00 a.m. registration opens

Sponsored by

7:00 a.m. - 8:00 a.m. Continental Breakfast8:00 a.m. - 9:45 a.m. keynote Sessions 9:45 a.m. - 10:30 a.m. networking Break in the Exhibit hall10:30 a.m. - 12:00 p.m. keynote Sessions

12:00 p.m. - 1:00 p.m. networking and industry innovation Lunches1:00 p.m. - 1:30 p.m. Dessert in the Exhibit hall1:30 p.m. - 3:05 p.m. Concurrent Sessions

ATM: Present and Future Mobile Opportunities Debit Dynamics Prepaid on the Rise Digital Money

3:05 p.m. - 3:20 p.m. networking Break3:20 p.m. - 4:55 p.m. Concurrent Sessions

ATM: Present and Future Mobile Opportunities Debit Dynamics Prepaid on the Rise Digital Money

5:00 p.m. - 7:00 p.m. networking reception in the Exhibit hall7:00 p.m. Dinner with Conference Chairman

WED | oCT 23 CONFERENCE DAY7:00 a.m. registration opens

Sponsored by

7:00 a.m. - 8:00 a.m. Continental Breakfast8:00 a.m. - 9:30 a.m. keynote Session

9:30 a.m. - 10:15 a.m. networking Break in the Exhibit hall

10:15 a.m. - 12:30 p.m. Concurrent Sessions ATM: Present and Future Mobile Opportunities Debit Dynamics Prepaid on the Rise

12:30 p.m. Conference Concludes


http://www.paymentssource.com/conferences/1_18/


Exhibit Hall Floor PlanNetworking and special Events

Exhibitors * As of 8/23/2013.

EFT Source inc ........................................ 100 Pendum .................................................... 101 visa inc. .................................................... 104 Monitise ................................................... 108 ingo Money, inc. ..................................... 110 nexxo Financial Corporation ............................................ 112 FiS .............................................................. 113 Access iS ................................................. 114 odyssey information Services ................................................... 119 TSyS ......................................................... 121 Phoenix interactive Design inc. .............................................. 122 nCr Corporation ................................... 125 Jumio, inc. ................................................ 132 Paragon Application Systems ................................................... 133 kAL ............................................................ 200 Cardtronics ............................................. 205 nautilus hyosung ................................. 213 Trusted Security Solutions ............... 214 MEi ............................................................. 218 vantiv ........................................................ 219 Perfect Plastic Printing ...................... 225 rewardsnoW, inc. ................................ 227 heritage industries .............................. 301 MasterCard Worldwide ...................... 305 ventus Wireless .................................... 313 Clear2Pay ................................................ 319

Chetu ......................................................... 321 MagTek, inc. ........................................... 324 Better ATM Services, inc. .................. 325 Compass Plus ........................................ 329 PULSE ....................................................... 331 Datacard group ..................................... 400 Sargent and greenleaf, inc. .............. 402 Elan-MoneyPass ................................... 405 netspend Corporation ........................ 407 Diebold, inc. ............................................ 413 Cummins Allison ................................... 418 Fiserv ........................................................ 419 Arroweye Solutions ............................. 420 r&P group .............................................. 424 Bancsource ............................................. 425 Burroughs, inc. ....................................... 427 Firstview ................................................. 428 Euronet Worldwide .............................. 500 Augeo ........................................................ 505 MT&L Card Products .......................... 511 Strategic resource Management .......................................... 515 Custom Card Systems ........................ 517 globalvision Systems inc. ................ 518 Western Union ....................................... 520 PSCU ......................................................... 523 Source one Direct ................................ 524PwC ............................................................ 527

CoMPAny BooTh # CoMPAny BooTh #

The Forum is all about interaction -- with exhibitors, potential business partners and old colleagues. Meet them during many of these networking opportunities.

MonDAy, oCToBEr 21 1:00 p.m. Lunch and Announcement of WinnerCelebrate the “Technology the most likely to succeed.”

5:15 p.m. Welcome reception in the Exhibit hall We will officially welcome our attendees, speakers, exhibitors and sponsors on Monday night. Enjoy reconnecting with old friends and meeting new ones over a glass of wine. We’ll see you there!

TUESDAy, oCToBEr 22 12:00 p.m. networking Lunch in the Exhibit hall 12:00 p.m. industry innovation Luncheons Hosted by

Gain insight into the latest technology advancements. Hosted by the industry’s leading solution providers, these presentations are a great way to maximize your learning experience. Lunch will be served.

1:00 p.m. Dessert in the Exhibit hall Satisfy your sweet tooth while reviewing new products and services.

5:00 p.m. networking reception in the Exhibit hall Unwind after the full day of learning, exchange your experiences, feedback and ideas.

7:00 p.m. Chairman’s Dinner REsERvE

YOuR sEAT NOw!

Join our annual dinner with conference chairman, Tony Hayes and his oliver Wyman partners. Hear Tony’s views on the evolving ATM and payments markets, and where there are opportunities for profitable growth. Come prepared to ask questions in a collegial forum.

WEDnESDAy, oCToBEr 23 9:30 a.m. networking Break in the Exhibit hall Fuel up for the remaining of the conference. This is your last chance to talk to our solution providers before they pack up.



sponsors and Exhibitors * As of 8/23/2013.

Platinum Sponsor

gold Sponsors

Silver Sponsors

Bronze Sponsors

®

®

Registration

Hotel Accommodations

rEgiSTEr noW For BEST rATES!

2 Easy Ways to RegisteronLInE: www.atmdebitprepaidforum.com CALL: Ingrid Olsen at (212) 803-8456 or Joe Frega at (212) 803-8348

Bellagio 3600 Las Vegas Blvd South Las Vegas, nV 89109

Website: bellagio.com

Reserve by phone: (888) 987-6667

Attire: Business Casual

Rate: Starting from $199/night + tax, plus a daily $25 resort fee

(Resort fee includes in-room internet access, access to The Spa at Bellagio, Fitness Center, Airline Boarding Pass Printing in Hotel’s Business Services Center, and Local Calls and Toll Free Phone Calls.)

SourceMedia has secured a block of rooms at the Bellagio for the nights of october 19-23, 2013 exclusive to conference attendees. When booking your room, please be sure to reference ATM Debit & Prepaid to receive the discounted room rate. rooms will be available on a first come first served basis—there’s no guarantee that rooms will be available after the cutoff date of September 25, 2013.

Attendee Type Best Rates Before 9/20/13 After 9/20/13 On site

Card Issuer/ Merchant $1,395 $1,595 $1,795

Credit Union $1,395 $1,595 $1,795

All others $1,595 $1,795 $1,995

Pre-Conference workshops

Individual Workshop $149 $149 $149

Workshop Combo $249 $249 $249

Dinner with Conference Chairman $75 $75 $75

Limited sponsorship opportunities still available. To find out how to customize a sponsorship/exhibit package which is most appropriate for your organization, please contact Melissa Sefic at (212) 803-6067 or email: [email protected].


http://www.paymentssource.com/conferences/atmdebit/sponsors.html


www.atmdebitprepaidforum

.com | (212) 803-8456 | (212) 803-8348

onE M

EETing PLACE…

50+ sessions: Inform

ation on pressing issues in debit, prepaid, mobile, ATM

s and digital money.

100+ speakers: Financial services innovators, new

smakers and veterans off

er their invaluable expertise on navigating new

regulations, new technologies and new

strategies.

1100+ att

endees: Exchange ideas and form business partnerships w

ith executives from banks, m

erchants, networks, and

payment technology innovators.

...AnD CoUnTLESS iDEAS To

TAkE BACk WiTh yo

U.

ThiS yEAr’S FrESh ConTEnT

Explore a new paym

ents paradigm and att

end the Digital M

oney sessionsA new

crop of payments and ATM

innovators roll out their latest technologies at PiD

rEgiSTEr ToDAy Fo

r EArLy BirD rATES

one State Street Plaza, 27th floor

new

York, nY 10004


keep up with the expanding world of payments...friend or foe? attend this session to decide for...

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