nordic card markets and future payment solutions

Chairman:

Key Speakers Include:

Benefits of Attending:• Understand how to navigate the

rapidly changing payment landscape

• Discuss new forms of payment

including E-Signature and Cloud Wallet

• Discover the ways to tailor services to

how your customers want to pay

• Hear from the Nordic Banks leading the

way in payment innovation

PLUS TWO INTERACTIVE POST-CONFERENCE WORKSHOPSWednesday 27th January 2016, Radisson Blu Royal Hotel, Copenhagen, Denmark

A: The Future of PaymentsWorkshop Leader: Robert Courtneidge, Global Head of Cards &

Payments, Locke Lord LLP8.30am - 4.00pm

B: Payments Future: What next for Cards & POS?

Workshop Leader: Luke Purser, Principle Consultant, PSE Consulting

8.30am - 12.30pm

Francesco Burelli, Partner, Innovalue Management Advisors

• Wiebe Ruttenberg, Head of Market Integration Division, Directorate General

Market Infrastructure & Payments, European Central Bank

• Peter Dalsgaard, First Vice President, Card Systems, Group IT, Danske Bank

• Jukka Salonen, COO, Nordea

• Thomas Glimstedt, Head of Payments, Länsförsäkringar Bank

• Jes Rasmussen, Senior Advisor, Business Development, Eurocard AB

• Henrik Bergman, Senior Manager Market Infrastructure, Transaction Banking, SEB

SMi presents the 15th annual conference…

25th - 26th

JAN

2016Radisson Blu Royal Hotel, Copenhagen, Denmark

Nordic Card Markets and Future Payment Solutions

www.nordiccardevent.co.ukRegister online or fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711

ACADEMIC & GROUPS DISCOUNTS AVAILABLE

BOOK BY 30TH SEPTEMBER AND SAVE £400 • BOOK BY 30TH OCTOBER AND SAVE £200 • BOOK BY 30TH NOVEMBER AND SAVE £100

@SMiFinance#NordiccardSMi

Register online at: www.nordiccardevent.co.uk • Alternatively fax your registration to +44 (0)870 9090 712 or call +44 (0)870 9090 711

Nordic Card Markets and Future Payment Solutions Day One I Monday 25th January 2016 www.nordiccardevent.co.uk

8.30 Registration & Coffee

9.00 Chairman’s Opening Remarks

Francesco Burelli, Partner, Innovalue Management

Advisors

THE FUTURE IN REAL TIME PAYMENTS

KEYNOTE ADDRESS:

9.10 The next frontier: Instant payments for Europe

• The need for instant payments

• The focus on pan-European instant payment solutions

• The Euro Retail Payments Board driving payment innovation

Wiebe Ruttenberg, Head of Market Integration Division,

Directorate General Market Infrastructure & Payments,

European Central Bank

9.50 Real time payment solutions and the effect on card payments

• What are the impacts of real time payment solutions on the

card market?

• How consumers view this service

• How can banks deal with the impact on the banking

infrastructure?

•Commercialisingtheprocess:howcanthisfitintothe

banking business model?

David Rockliff, Head of Payments, Payments, Tesco Bank

10.30 Morning Coffee

MARKET OVERVIEW AND ENSURING THAT BANKS REMAIN

RELEVANT IN THE PAYMENT MARKET

10.50 Payments in Sweden - a look in the rear view mirror and into

the future

• The banking landscape in Sweden has changed

significantlyinthelastdecades

• Internet is everywhere but traditional bank branches are

hardtofind

• Is cash still king?

• How will we pay in the future?

Magnus Eneskär, Process Manager, Cards & Payments,

Sparbanken Öresund

11.30 Understanding the market: Ensuring that banks aren’t out

played

• Are the new regulations, technology and rapidly changing

payments landscape a threat or an opportunity to banks?

• How to evolve alongside the new players in the payment

sphere

•Thenewskillsrequiredofbanks:flexibilitytorapidly

emerging changes

• The big question: are new entrants really a threat or can

they be ignored?

Henrik Bergman, Senior Manager Market Infrastructure,

Transaction Banking, SEB

12.10 Networking Lunch

1.30 Evolving European payments landscape: opportunities and

challenges for incumbents and newcomers

•Howwilldigitalisationaffecttheplayingfieldinretail

payment markets?

• National payment solutions or pan-European solutions: agile

implementation versus economies of scale

• What role the incumbents (banks) can play in the future

retail payment markets?

• Will the newcomers from other industries conquer the whole

market?

Kari Kemppainen, Advisor, Financial Stability and Statistics,

Bank of Finland

ESSENTIAL INNOVATION IN KEEPING UP WITH THE PAYMENTS INDUSTRY

2.10 Commerce disrupters

•Commercedisruptors:Thefiveforcesthatwilldisruptretail

• Global, but local – increase of cross border transactions

• Function and form of bricks and mortar retail is evolving -

The role of stores will change as more purchases are carried

out online

• Smart Stores - technology will disrupt retail in a big way

• Payments and digital wallets – frictionless shopping

• What retailers need to do next

Martin Ten Houten, Managing Director Nordics and Baltics,

Visa Europe

2.50 Afternoon Tea

3.20 Customer experience: the biggest challenge for customer

retention

• What makes a superior customer experience?

• Using technology to facilitate an outstanding experience

• Allowing the customer distance: the e-signature

•Thecorebenefitstothee-signatureandhowitcanbe

implemented

Jes Rasmussen, Senior Advisor, Business Development,

Eurocard AB

4.00 PANEL DISCUSSION:

Who will be the winners and the losers in the

fintech world?

• With so many players; who are the ones to watch?

• What do telecom companies offer to consumers that banks

don’t?

• What will be the deciding factors?

• Making sure that your bank keeps on the winning side


David Rockliff, Head of Payments, Payments, Tesco Bank

Peter Dalsgaard, First Vice President, Card Systems, Group IT,

Danske Bank

Bob Ford, Industry Expert in the UK’s Payment Sector,

Bob Ford Associates

4.40 Chairman’s Closing Remarks and Close of Day One

Register online at: www.nordiccardevent.co.uk • Alternatively fax your registration to +44 (0)870 9090 712 or call +44 (0)870 9090 711

Nordic Card Markets and Future Payment SolutionsDay Two I Tuesday 26th January 2016 www.nordiccardevent.co.uk


9.00 Chairman’s Opening Remarks


THE IMPACT OF REGULATION AND THE OPPORTUNITIES IT PRESENTS

OPENING ADDRESS:

9.10 Business issues & opportunities of the PSD2 & EU MIF legislation

• How can Nordic banks navigate the new world?

• Ensuring that your bank is compliant

• Using regulatory changes to your advantage

Luke Purser, Principle Consultant, PSE Consulting

9.50 Protecting the bank’s interests in an interchange fee

free world

• How can banks source revenue without the help of the

interchange fee – a few suggestions

• Understanding how these changes will affect the banks

long term

• Using this as an opportunity for innovation



10.50 Deriving business benefit from regulatory oversight

• Review major regulations

• Determine business potential

• Build the opportunities

Bob Ford, Industry expert in the UK’s payment sector,

Bob Ford Associates

MOBILE PAYMENTS: AN OVERVIEW OF INNOVATION

11.30 The next step for mobile payments: preparing customers for

mobile proximity payments

• Understanding how consumers are using mobile payments

• How can mobile payments be utilised as a stepping stone

• Encouraging customers to adopt mobile payments for P2P,

biller and retailer payments

• Preparing for non-card NFP payments?

Thomas Glimstedt, Head of Payments, Länsförsäkringar Bank


1.30 Forward thinking innovations in the online payment sphere

• What are the important user trends that must inform

payment thinking?

• How online payments have developed and where we

believe they are going.

• Mobile Payments: Understanding what consumers really

want

• Making digital interfaces innovative yet simple

• How the Nordic markets differs from other European areas

Mårtin Barkman, Managing Director Scandinavia,

PayPal

INNOVATING TECHNOLOGIES TO PROGRESS THE BANKING

PAYMENT INDUSTRY

2.10 Transforming banking business to the future – approach to

technologies

• How customers and regulators are driving the change

•Whatsimplificationmeansasthetoolfortransformation

• Which approach to use for data, payments and core

banking platforms

• What are future banking models?

Jukka Salonen, COO, Nordea

2.50 Afternoon Tea

3.20 Designing the underlying infrastructure to deal with

adaptability

•Whatwilltheessentialrequirementsforafinancial

institution’s infrastructure be in the future?

• How can this be achieved in a cost-effective way?

• In a rapidly changing market: how can adaptability be

ensured?

Peter Dalsgaard, First Vice President, Card Systems, Group IT,

Danske Bank

4.00 Payment methods and future innovations: from a legal

perspective

• An overview of the players in the card & payment industry:

how may roles evolve?

• A look into virtual payment cards

• Bitcoin and cryptocurrencies: is there any substance

behind the hype?

• Applications of bitcoin in the banking industry

Robert Courtneidge, Global Head of Cards and Payments,

Locke Lord LLP

4.40 Chairman’s Closing Remarks and Close of Day Two

Overview of workshop:

This workshop has been designed to give attendees a detailed overview of the payments landscape looking at everything that is developing and what the future will look like. We take a look at how new products on the market are built up to understand how they work and their implications. Attendees will get an in depth understanding of howtheindustryfitstogetherandwhotheimportantplayersare.Inaddition,participantswillgainapeekbehindthe scenes at what is new and what is hot in payments.

Why you should attend:

This workshop will allow you an in depth understanding of the payments industry including a deep understanding of the current regulation and where they are going. This workshop will give you unparalleled understanding of new competitive players and products on the market from virtual cards to new acquiring models and from the regulatedworldoffiatcurrenciesintotheun/lessregulatedworldofcryptocurrenciesandtheblockchain.

About the workshop host:

Robert Courtneidge is the Global Head of Cards and Payments at Locke Lord LLP. He is noted for his knowledge andexperienceinthee-moneyarea,wherehehasactedonmattersformajorfinancialinstitutionsaroundtheworld, as well as for internationally well-known technology providers. He has more than 20 years of experience in thecardsandpayment systemsand is skilled inallaspectsofconsumerfinance issues, includingconsumerprotection, banking regulation and compliance and data protection. Mr. Courtneidge works closely with The Payments Council, HM Treasury and the Financial Services Association and other compliance and industry bodies to ensure compliance for his clients. He places special emphasis on working with high tech industries and products in thefinancialservices industry,embracingnewtechnologicaland legislative/regulatorydevelopments.Manyof his clients have new products, and he is able to guide them in the process of bringing them to the market.Mr. Courtneidge is named as one of the Top 10 Payments Lawyers by Paybefore in 2015, the key publication and information provider to the prepaid, mobile and emerging payments industry. He is the only non-North American based lawyer to be recognised and is honoured for his commitment to the progress of emerging payments and his passion for his work in the industry. He was also named Best Industry Contributor at The Prepaid Awards 2011, recognising his achievements and commitment to the industry. He is Chairman of the Prepaid International Forum.Mr. Courtneidge is a frequent spokesperson on current issues facing the European Payments’ Industry including the Payment Services Directive, SEPA, Third Money Laundering Directive and the second E-money Directive and regularly speaks worldwide on prepaid cards and its technology.

About the Organisation:

Locke Lord is a full-service, international law firm that ranks among TheAmerican Lawyer’s Top U.S law firms.Our team of approximately 1,000 lawyers has earned a solid reputation in complex litigation, regulatory and transactionalwork.Weserveourclient’sinteretsfirstandtheseclientsrangefromFortune500andmiddlemarketpublic and private companies to start-ups and emerging businesses. Through its wide-ranging international footprint, Locke Lord has recieved numerous industry recognitions as a global leader in the middle market sector.

Overview of workshop:The objective of the workshop is to look at how card payments & the acceptance environment has evolved and what the landscape will look in the next few years across the Nordic region ultimately driven by changes in the regulatory environment. ThesessionissplitintotwofocusingfirstontheCard–Issuers/cardholderandsecondly,the Acceptance environment – acquirers/merchants. The workshop will involveparticipants considering the changing environment of consumer payment habits and how it relates to the Nordic region.

Why you should attend:•Anyoneinterestedonhowtheregulatoryenvironmentwill/is/maychangethe

future payments landscape across the Nordic Region•Theregulatoryimpacttobothconsumers/merchants–co-branding,honourall

cards, card scheme licenses etc• Group activities discussing the future evolution of the card payment and

acceptance environment across the Nordics

About the workshop host:

Luke Purser, Principal Consultant, is an acquiring specialist with over 25 years’ in banking, cards and acquiring. Of these, 20 years have been spent in the acquiring business with LloydsTSB, Citigroup Merchant Services and Elavon Financial Services. He has a thorough and detailed knowledge of all aspects of the acquiring business. Recent assignments have included: support for a large Nordic/Scandinavianmulti-country bank card processing outsourcing strategy; developing an acquiring strategy for Russia’s second largest bank; conducting an acquiring RFP for an online currency dealing bank; a RFP for the EU’s second largest low cost airline; for the EU’s largest acquirer a study to optimize interchange processing; for EU’s second largets acquirer development of interchange optimisation (smart routing) designed to minimise interchange fees across their portfolio.

About PSE Consulting:

PSE Consulting (PSE) is a long established (23 years) payments consulting specialist, having completed over 800 assignments in 40 countries for 170 clients. We offer specialisations in acquiring, card processing, prepaid, e-commerce and mobile innovation.

The Future of Payments

Payments Future: What next for Cards & POS?

Workshop Leader: Robert Courtneidge, Global Head of Cards & Payments, Locke Lord LLP

Workshop Leader: Luke Purser, Principle Consultant, PSE Consulting

FULL DAY POST CONFERENCE WORKSHOP AWednesday 27th January 2016 I 8.30am – 4.00pm I Radisson Blu Royal Hotel, Copenhagen, Denmark

HALF DAY POST CONFERENCE WORKSHOP BWednesday 27th January 2016 I 8.30am - 12.30pm I Radisson Blu Royal Hotel, Copenhagen, Denmark

Programme:


9.00 Opening remarks and introductions

9.10 Explanation of the major stakeholders, providers and participants in the Cards & payments industry

9.50 Virtual payment cards (single use) e.g. known as Single use ghost accounts and VANS (Virtual Account Numbers)


11.00 The middle men in merchant acquring ISO’s/ payment facilitators/ master merchants

11.40 Agents and distributers of payment service providers


1.30 Tokenisation of payment instruments - “all cards in

“1” e-wallets”

2.10 Bitcoin and cryptocurrencies

2.50 What have we learned? (Roundup)

3.20 The future of payments

4.00 Closing Remarks

Programme:8.30 Registration9.00 Opening remarks and introductions 9.10 Session 1 – Card payments – briefing

• How will card payments evolve in the coming years based on the new regulatory environment? Will the plastic card survive? A fun look at how card payments have evolved.

• What impact will alternative payments and multiple brands have on consumer behaviour?

• How will consumer choice drive the future payments strategy?9.50 Session 2 – Card payments – group exercise

• The group will be asked to work in teams to consider how the Nordic payments environment will evolve from a consumer perspective when considering the regulatory changes?

• Each group will be required to present (up to 5 mins) their views on future developments in payments within the Nordic Region.

10.30 Coffee11.00 Session 3 – Acceptance environment – regulatory challenge

• How will the acceptance environment evolve in the coming years based on new regulation? Will the POS device survive? Evolution of acceptance devices.

• What impact will alternative payments have on acceptance?• What challenges are posed by the new EU legislation

- merchant steering, removal of honour all cards, alternative payments, payment guarantees etc

11.40 Session 4 – Acceptance environment – group exercise• The group will be asked to work in teams to consider how the

Nordic payments environment will evolve from an acceptance perspective when considering the regulatory changes?

• Each group will be required to present (up to 5 mins) their views on future developments in payments within the Nordic Region.

12.20 Closing Remarks12.30 End of Workshop

www.nordiccardevent.co.uk

SPONSORSHIP AND EXHIBITION OPPORTUNITIESSMi offer sponsorship, exhibition, advertising and branding packages, uniquely tailored to complement your company’s marketing strategy. Primenetworking opportunities exist to entertain, enhance and expand your client base within the context of an independent discussion specific to your

industry. Should you wish to join the increasing number of companies benefiting from sponsoring our conferences please call: Alia Malick, Director on+44 (0) 20 7827 6168 or email: [email protected]

Want to know how you can get involved?Interested in promoting your services to this market? Contact Ina Luft, SMi Marketing on

+44 (0) 207 827 6732, or email: [email protected]

Supported by

Nordic Card Markets and Future Payment Solutions www.nordiccardevent.co.uk

Audience Profile:

The participants of the Nordic Card Market and Future Payment Solutions Conference will be themostseniordecisionmakersandinfluencesresponsible for the technological and strategic developments within the card payment industry. Banks that are focusing on progression and modernisation of their card payment service industry will meet to discuss the major challenges they are facing and to foster industry discussion and communication aimed at overcoming these.

If this is a market that you would be interested in meeting and doing business with, don’t miss an opportunity to meet and network with high-level decision makers who are shaping the future of Nordic banking.

The audience will include: but not be limited to:

• COO

• Vice presidents

• Executive Director, Nordics and Baltics

• Head of Payments

• Head of Development

• Head of Digital Strategy

• Head of Digital Channels

Benefits of Sponsoring Nordic Card Market and Future Payment Solutions 2016

1. Launch new products or services at the Nordic Card Market and Future Payment Solutions Conference

2. Educate the market on your company’s capability and make the business case for how they can solve your potential customers challenges and requirements

3. Build your brand so your solutions are front of mind when your respective customers are putting potential solution providers on their short list

4. Meet and network with active buyers while thereisstillachancetoinfluencetheirpurchasing decisions

5. Generate new leads through meeting new prospects from a variety of new countries and programmes

Which Countries the 2015 Attendees came from: Industry Sector that 2015 Attendees Came From:

Scandinavia: 65.4%

Banks: 46%

Other: 8%

Academics and Media: 4%

Consultants: 4% Associations: 10%

Solutions Providers: 28%

Rest of World: 3.8%

Baltics: 11.5%

Northern Europe: 19.2%

FAX your booking form to +44 (0) 870 9090 712 PHONE on +44 (0) 870 9090 711

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If you have any further queries please call the Events Team on tel +44 (0) 870 9090 711 or you can email them at [email protected]

NORDIC CARD MARKETS AND FUTURE PAYMENT SOLUTIONSConference: Monday 25th January 2016 - Tuesday 26th January 2016, Radisson Blu Royal Hotel, Copenhagen, Denmark I Workshops: Wednesday 27th January 2016

4 WAYS TO REGISTERONLINE www.nordiccardevent.co.uk

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