The document announces an upcoming conference called "Retail Banking Africa 2011" being held in Johannesburg, South Africa on July 26-27, 2011. The conference will explore opportunities in Africa's consumer banking sector and leverage opportunities for retail banks. It will include panels and presentations on topics like Islamic retail banking, product innovation, optimizing retail delivery channels, and increasing Africa's bankable population. Senior executives from banks across Africa will discuss best practices for driving sustainability and growth in the African retail banking business. The document provides details on the event agenda, speaker lineup, and registration information to encourage banking professionals to attend.
1. visit our website:
www.fleminggulf.com
Explore a variety of opportunities for retail banking
across Africa.
Analyze how Islamic Retail Banking can change
customer experience and be an influence for new
business growth
Optimize your retail delivery channels via best use of
technology and business systems
Understand how new product development and
marketing strategies influence growth in your existing
retail banking business
Witness best practices and case studies on how to
increase the bankable population through new and
improved business models
Increase business productivity with state of the art
technology and improved electronic & mobile
payment
transfer systems
Meet and Network with the best of the best from
Africa’s retail banking sector
26th
and 27th
July 2011
Post Conference Workshop on 28th
July 2011
Hyatt Regency, Johannesburg, South Africa
Leveraging Opportunities in Africa’s Consumer Business
FIND YOUR REASONS TO ATTEND
Gold Sponsor:Platinum Sponsor: Silver Sponsors:
“Retail Banking Opportunities for Africa”
CEO Panel – “Driving Sustainability in Africa’s Retail
Banking Business”
Islamic Banking Panel – Expanding the Islamic Retail
Banking Business across Africa
GURU Panel – Product Innovation as the Key to New
Business Growth
PANEL DISCUSSION – Sustaining Profitability and
Generating New Business by Banking the Poorest of
the Poor
HOT SPOTS
Retail Banking Africa 2011
CONFIRMEDSPEAKERS&PANELISTS
Tawanda Nyambirai, TN Holdings Ltd, Zimbabwe
Group Chief Executive Officer
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
James Benoit, AfrAsia Bank Limited, Mauritius
Chief Executive Officer
Sanjeev Anand, Banque Commerciale du Rwanda Ltd, Rwanda
Managing Director
Pieter Van Asperen, First National Bank, South Africa
Chief Executive Officer | FNB Branch Segment
Brian Richardson, WIZZIT, South Africa
Managing Director and Chief Executive Officer
Mohammad Ashraf Esmael
The Mauritius Leasing Company Limited, Mauritius
Chief Executive Officer
Guy Pearce, JD Group, South Africa
Chief Executive: New Business Development
Gavin Savala, BancABC | African Banking Corporation, Botswana
Country Head of Retail and SME Banking Division
Ashish Bhugra, Citibank NA, Egypt
Business Manager – Retail Bank
Faustin Byishimo, Banque Commerciale du Rwanda Ltd, Rwanda
Head of Retail Banking
Regan Adams, RCS Group, South Africa
Chief Commercial Officer
Ismail Ali, ITS, Kuwait
Senior Manager, Marketing and Global Operation – Financial Industry
Vinayak Pillai, SunTec
Senior Vice President and Head of Sales, EMEA
Kelechi Dozie, Pay4Me Services Limited, Nigeria
Managing Director
Sathish N, SunTec
Customer Engagement Director – EMEA
Michael Schrader, Top Image Systems™ (TIS™), Germany
Managing Director: Europe, Middle East & Africa
Clive Williams, Top Image Systems™ (TIS™), United Kingdom
Senior Vice President, Global Banking
Leila Fourie, Standard Bank of South Africa
Director: Card Division
Uchenna Okwodu, Bank PHB Plc, Nigeria
Vice President | Group Head – eBusiness & Card Services
Hennie van Rensburg, Standard Bank
Senior Manager: Business Integration, Core Banking Pricing
Fazal Saib, Standard Bank Africa, South Africa
Director – Shari’ah Banking
Javed Abbasi, GISBA Group, Saudi Arabia
Principal Consultant and Founder
Mohamed Saloojee
Senior Retail Banking Executive
John Aldridge
Payment Consultant
2. When we talk about opportunities and emerging markets, Africa is the first region that comes in mind. Ever since the success of the FIFA
World Cup 2010 in South Africa, Africa has gained an international recognition as a land of opportunities and new business growth.
From a retail banking context, Africa is a destination where retail banks and emphasis on new product development and enhancing
their consumer financial services with service, business, process and product innovation.
It is true that Africa is still harnessing an unbanked population which covers nearly 70% or more of the continent’s overall population.
Banks do find it a challenge to increase the accessibility of financial services to the unbanked population.
The true story here is that retail banks should leverage opportunities in the region’s consumer sector.
With a series of success in Cairo and in Johannesburg, Fleming Gulf Conferences announces its return to the financial capital of Africa
“Johannesburg” with the 3rd
Edition of retail banking conference in Africa in the name of “Retail Banking Africa 2011”. This year’s
trend is based upon leveraging opportunities in Africa’s consumer business.
EVENT OVERVIEW
WHO MUST ATTEND
5 REASONS
TO WHY YOU CAN’T MISS THIS PREMIUM EVENT
2010 ATTENDEES BREAKDOWN
CEO, COO, CMO, Managing Directors, Senior Vice Presidents, Senior Managers and Group Heads of:
Retail Banking, Consumer Banking, Personal Banking, Retail Assets, Retail Liabilities, Retail Credit, Retail Distribution, Branch Banking, Re-
tail Marketing, Retail Sales, Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Retail Payments, Cards
Business, Debit Cards, Credit Cards, Prepaid Cards, Smart Cards, Personal Finance, Consumer Finance, Consumer Lending, Consumer
Risk Management, Islamic Retail Banking, Remittances, Retail Strategy, Retail Portfolio Management, Delivery Channels, Retail Customer
Management, Customer Experience, Retail Loans, Secured Lending, Unsecured Lending, Retail Product Management, Retail Operations
and Micro Financing.
100+ Senior Retail Banking Executives attended in 2010
24 Countries represented in 2010
49 Banks represented in 2010
The most targeted and focused conference on the Growth
of the African Retail Banking business
Listen to Valuable Case Studies and Presentations from the
Region’s Retail Banking GURUs
Dear Retail Bankers:
Retail Banking regardless to say is the ultimate source of
profitability for a commercial bank is now in a phase where
redefining and realigning growth opportunities is the key to
drive monetary excellence.
Fleming Gulf is back with the series of Retail Banking Africa
in 2011 where regional leaders in retail banking will gather
across 2 days and will “Explore Opportunities in Africa’s
Consumer Business.” Discussions based on best practices,
successful stories, case studies, strategies and new business
models will be the highlight of this epic event.
Benefit by attending the Retail Banking Africa 2011 and
utilize the face to face networking opportunities with the
industry leaders and gurus in retail banking.
I look forward to meeting with you at the event in July 2011!
Best Regards,
Fahd Ali Akmal
Senior Conference Producer
Retail Banking and Finance Division
THE ADVISORY COUNCIL
The advisory council will aid in the quest for providing high quality education on the most significant topics to ever impact the region’s
retail banking sector.
Ebrahim (Ebi) Ahmed Patel, First National Bank, South
Africa
Chief Executive Officer | FNB & Wesbank Islamic Finance
Ashish Bhugra, Citibank NA, Egypt
Business Manager – Retail Bank
Ismail Ali, ITS, Kuwait
Senior Manager, Marketing and Global Operation – Financial
Industry
Chidi Okpala, United Bank for Africa Plc, Nigeria
Head of Group Retail Banking Division
Kevin Kihara, Family Bank, Kenya
Senior Manager – Innovation & Strategic Partnerships
David Lawson, Ghana
Private Business Consultant
Media Partners:
Islamic Finance
GLOBAL
magazine
Islamic Finance
GLOBAL
magazine
Drive Traffic To Your Business
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com
3. 8:00 Registration and Coffee
8:45 Welcome Note from Fleming Gulf
8:50 Opening Remarks from the Chair
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
CRAFTING AFRICA’S IDEAL RETAIL BANKING BUSINESS
MODEL
9:00 KEYNOTE Africa Outlook – Transforming Africa’s
Retail Banking Business Model
• Transforming Retail Banking to a Reflect New Economic Environment
• Recent developments in Multi-Channel Management across Africa
• Channel Innovation for Banking the Unbanked
• Access points – Electronic Channels or the Branch?
• Client Acquisition and Retention
• How would different markets behave to an altered retail banking business
model?
• Strategic role to attain Profitability and the way forward
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
9:30 “Retail Banking Opportunities for Africa”
• Global Retail Banking – Yesterday, Today and Tomorrow
• The Present & Future... Africa’s Retail Banking business
• Macro Drivers for the region’s Retail Banking Business
• The Consumer Business overview and New Trends for Africa
• Current Business Model adapted across Africa’s Retail Banking sector
• How should Retail Banks organize for success and profitable growth?
• Effective Retail Banking Delivery Models
• The Way Forward
Tawanda Nyambirai, TN Holdings Ltd, Zimbabwe
Group Chief Executive Officer
10:00 CEO Panel – “Driving Sustainability in Africa’s Retail
Banking Business”
Panel Discussion:
• Banking the unbanked is still a challenge – Any bright ideas?
• Market Segmentation – Its Importance
• Learning from Experience and the Best
• Scope of bringing Innovative services across Electronic Payments and Cards
• Enhancing retail investments and wealth management products and service
innovation to affluent and HNW individuals
• Business Expansion and Growth Opportunities in New Markets
Featured Panelists:
Tawanda Nyambirai, TN Holdings Ltd, Zimbabwe
Group Chief Executive Officer
James Benoit, AfrAsia Bank Limited, Mauritius
Chief Executive Officer
Sanjeev Anand, Banque Commerciale du Rwanda Ltd, Rwanda
Managing Director
Pieter Van Asperen, First National Bank, South Africa
Chief Executive Officer | FNB Branch Segment
Moderator:
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
10:45 Morning Coffee Break, Exhibition and Networking
REINVENTING BANKING WITH THE ISLAMIC BANKING
BUSINESS MODEL
11:15 Enabling IT to grow the Islamic Retail Banking business
• The technology model adaptive to the Islamic Banking business
• Differentiation of the Islamic Banking IT Model with the Conventional Banking
IT Model
• Process Improvement, Controls & Achieving Operational Excellence
• Deriving Service, Process and Product Innovation in Islamic Retail Banking
through technology
• Case studies and best practices
Ismail Ali, ITS, Kuwait
Senior Manager, Marketing and Global Operation – Financial Industry
11:45 Structuring Innovative Islamic Consumer Financial
Products
• Islamic approach to Consumer Finance
• Methodology and Islamic Models for Product Development
• Transaction & Approval Process in Shari’ah Structuring of Products
• Major Challenges and Risk Management issues
• Case Study: Structuring an Islamic Credit Card
Javed Abbasi, GISBA Group, Saudi Arabia
Principal Consultant and Founder
12:15 Islamic Banking Panel – Expanding the Islamic Retail
Banking Business across Africa
KEYNOTE Increasing Market Share by Leveraging Opportunities in
Islamic Retail Banking
Javed Abbasi, GISBA Group, Saudi Arabia
Principal Consultant and Founder
12:30 Panel Discussion:
• Almost 50% or more of Africa’s population are Muslims. Why Islamic Banking is
not so heavily exposed?
• Educating clients the competitive edge that Islamic Financing has as compared
to the conventional system
• How can Islamic Retail Financial Services benefit customers from segments such
as the poorest of the poor, the unbanked and under-banked?
• What innovations can Islamic Retail Banking bring to Africa as a whole?
• Improvising with Technology to expand the Islamic Retail Banking network
• Driving product and service innovation in the Individual Islamic Leasing &
Financing business
Featured Panelists:
Ismail Ali, ITS, Kuwait
Senior Manager, Marketing and Global Operation – Financial Industry
Mohammad Ashraf Esmael, The Mauritius Leasing Company Limited,
Mauritius
Chief Executive Officer
Fazal Saib, Standard Bank Africa, South Africa
Director – Shari’ah Banking
Moderator:
Javed Abbasi, GISBA Group, Saudi Arabia
Principal Consultant and Founder
13:00 Lunch – Hosted By: TN Bank Ltd
ACHIEVING PROCESS, BUSINESS & PRODUCT
EXCELLENCE IN RETAIL BANKING
14:30 CASE STUDY Optimizing Retail Delivery Channels –
Business & Technology Strategy Alignment
• Leveraging with new technology developments in business planning
• Role of the retail banking heads and technology heads to understand the
business strategies and plans
• Integrating business and technology strategies to support business initiatives
• Deploying innovative branch layouts for service excellence
• Delivering similar or improved quality of customer information across delivery
channels
Gavin Savala, BancABC | African Banking Corporation, Botswana
Country Head of Retail and SME Banking Division
15:00 Retail Banking in Africa calls for Product and Pricing
Innovation
• Retail banking in Africa out to new business – FIs embrace segment-based
approach
• Banks need to address unbanked segment; leverage alternative channels
• Launching new products, satisfying needs of segments is the challenge
• Paradigm shift in pricing approach required-product-centric to customer-centric
• Customer-centricity through innovative product offerings; pricing
methodologies
Hennie van Rensburg, Standard Bank
Senior Manager: Business Integration, Core Banking Pricing
15:20 Enabling pricing innovation through technology
• Relationship-based Pricing enables customer wallet share, profitability and
business growth
• Ensuring customer profitability
• Segmentation and differentiation through product and pricing strategies
• Predictability has previous value: future of pricing innovation
Sathish N, SunTec
Customer Engagement Director – EMEA
15:30 Afternoon Coffee Break, Exhibition and Networking
16:00 Adapting to a Customer Centric Platform in Retail
Banking Services
• Importance of balancing market research and customer feedback
• Use of the VOC model to enhance and improve product development
• Cost and value management
• Organizational cultural change management
• Case Study
Ashish Bhugra, Citibank NA, Egypt
Business Manager – Retail Bank
16:30 Ensuring Card Business Profitability
• Co-branding and Partnerships
o Trends of co-branded cards in South Africa
o How important is the co-brand for new business development?
o Managing Liquidity, Profits and Losses between the bank and the co-
branding partner
o Dos and Don’ts in co-branding during a time of liquidity crisis, lessons
learned
o Case Study
• Managing for profit through the cycle
o Managing through the cycle
o Managing long term profitability
o Counter-cycle growth
o Key indicators through the cycle
Leila Fourie, Standard Bank of South Africa
Director: Card Division
17:00 GURU Panel – Product Innovation as the Key to New
Business Growth
Panel Discussion:
• Opportunities to buy and invest in a Global Village
• The role of Brand Management to drive Business Excellence in Consumer
Products
• How has the modern consumer payment systems been applauded by retail
customers?
• Best and Practical CRM Strategy
• Adapting to Client Centricity approach for Innovation
• How will product innovation help in new business expansion?
Featured Panelists:
Gavin Savala, BancABC | African Banking Corporation, Botswana
Country Head of Retail and SME Banking Division
Ashish Bhugra, Citibank NA, Egypt
Business Manager – Retail Bank
Faustin Byishimo, Banque Commerciale du Rwanda Ltd, Rwanda
Head of Retail Banking
Regan Adams, RCS Group, South Africa
Chief Commercial Officer
Vinayak Pillai, SunTec
Senior Vice President and Head of Sales, EMEA
Moderator:
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
17:30 Closing Remarks from the Chair
17:40 End of Day 1
Speakers & Delegates are cordially invited to a
Networking Cocktail Reception
Day 1: 26th
July 2011
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com
4. 8:00 Registration and Coffee
8:50 Opening Remarks from the Chair
Mohamed Saloojee, Senior Retail Banking Executive
INCREASING AFRICA’S BANKABLE POPULATION
AND ADAPTING TO NEW & SECURED TRENDS
WITHIN ELECTRONIC PAYMENTS
9:00 CASE STUDY Generating a Lucrative Prepaid
Payments Business
• Overview of Africa’s Prepaid Payments Business Model
• How will the Prepaid Payment Business hail the Domestic Credit
Business?
• What methodologies of New Product Development can be used
to ensure an after sale Client Satisfaction?
• How will the Prepaid Payment Business create a Landscape of
Innovation – Towards a Cashless Society?
Kelechi Dozie, Pay4Me Services Limited, Nigeria
Managing Director
9:30 Free Banking for the Unbanked
The paper will show established mobile internet services can be
coupled with a basic bank account to provide a comprehensive
payment mechanism for the previously unbanked. An established
financial model shows that charging retailers less than card fees
can cover all costs and enable a bank to provide free banking to
the individual. Further discussion points include:
• Minimal capex – GPRS cell phones are the banking terminal.
(80% of African Handsets)
• Push transactions to a retailer ECR/Printer…. Not card terminal.
• Deliver and pay for all Internet Services – digital content...
merchants… WASPs…
• Secure dot.mobi applications.
• Profitable account option for Banks.
John Aldridge
Payment Consultant
10:00 Interpreting the BRICs Economic Opportunity as
Future African Corporate, SME and Retail Banking
Opportunities
• The meaning behind BRICs and the irrelevance of the BRICs
anomaly
• The scope for future opportunities beyond optimization,
innovation and market share capture
• Africa at the centre of the world economy in the context of the
CIVETS, preferred destinations for Foreign Direct Investment,
and multiple Gateways to Africa
• Implications for Corporate Banking (primary industry)
• Implications for SME Banking and SME development (secondary
and tertiary industry)
• Implications for Retail Banking (consumption economics),
and the challenges of a typical banking operating model in a
multinational retail banking context
• What’s next?
Guy Pearce, JD Group, South Africa
Chief Executive: New Business Development
10:30 Morning Coffee Break, Exhibition and Networking
11:00 Managing Risk whilst Gaining Competitive Advantage
– The Application an Enterprise Content Management
Platform for Banking
• Business Drivers and ECM Trends in Retail Banking
• The Application of a Banking ECM Platform
• Banking Applications and Case Studies
o Fraud Prevention and Detection
o Mobile Banking
o The Digital Mailroom
o Case Studies
- Retail and Transaction Banking
- Digital Mailroom in Retail
Michael Schrader, Top Image Systems™ (TIS™), Germany
Managing Director: Europe, Middle East & Africa
Joint Presenter:
Clive Williams, Top Image Systems™ (TIS™), United Kingdom
Senior Vice President, Global Banking
11:30 Eliminating Fraud & Financial Crime by deriving a
Secured Payment System
• Overview of Africa’s Payment Security Landscape
• Information Security & Fraud Trend
• Setting the context of Fraud Risk Management
• Eliminating EMV & Chip Fraud
• Implications of PCI DSS and its advantages
• Innovations in Fraud Control
• Case Study
Uchenna Okwodu, Bank PHB Plc, Nigeria
Vice President | Group Head – eBusiness & Card Services
12:00 CASE STUDY Mobile Payments Story
• Genesis of the Mobile Payments Product – The Business Model
• Product Structuring and Relevance to Targeted Customer
Segment(s)
• Key Drivers of Change in context to the Technical Infrastructure
and usability
• Fraud Detection & Prevention Policy
• Key take-away
Brian Richardson, WIZZIT, South Africa
Managing Director and Chief Executive Officer
12:30 PANEL DISCUSSION – Sustaining Profitability and
Generating New Business by Banking the Poorest of
the Poor
• Looking at alternate methods to bank the poorest of the poor
• Improving the existing mobile commerce business and its
technological infrastructure
• Driving growth via innovations in terms of service, process and
products
• Dealing with non-financial institutions to deliver basic financial
services to the poorest of the poor
• Importance of client retention and its mechanism
Featured Panelists:
Brian Richardson, WIZZIT, South Africa
Managing Director and Chief Executive Officer
Kelechi Dozie, Pay4Me Services Limited, Nigeria
Managing Director
Uchenna Okwodu, Bank PHB Plc, Nigeria
Vice President | Group Head – eBusiness & Card Services
Guy Pearce, JD Group, South Africa
Chief Executive: New Business Development
John Aldridge
Payment Consultant
Moderator:
Mohamed Saloojee
Senior Retail Banking Executive
13:00 Lunch – Hosted By: TN Bank Ltd
INTERACTIVE BREAKOUT SESSION
14:00 “Banking the Poorest of the Poor”
Africa is harnessing a population of over 70% unbanked and
under-banked people that includes a segment of the poorest
of the poor. Given that there is a potential of new business
development within this segment, commercial banks can identify
various opportunities here and can come up with innovative
products and services to the this segment. The session will address
the following key issues:
• From intelligence to insight...
• Ensuring relevance and sustainability...
• Leveraging innovation and creativity for new age enablement...
• Opening new frontiers for long term viability...
• Creating partnerships in order to manage for value...
• Leading with inspiration...
Mohamed Saloojee
Senior Retail Banking Executive
15:00 Close of the Conference & Closing Remarks from the Chair
Farewell Coffee and Networking
I would like to thank everyone who has helped with the research
and organization of this event, especially the speakers for their
support and commitment.
Fahd Ali Akmal, Senior Conference Producer
fahd.ali@fleminggulf.com
Day 2: 27th
July 2011
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com
5. Retail Banking Innovation & Operations Training Workshop
Introduction:
Africa has been in the spotlight of many foreign investors. Local, regional and foreign commercial banks have pumped in a lot
financial options to their consumers but still research shows that despite the efforts made by these commercial banks, Africa
is still harnessing an unbanked population of over 70% from the continent’s total population. The challenges that commercial
banks face are mainly in the technical, operations, innovation, distribution and product development arena. It is time that
commercial banks enhance their financial services to the unbanked population by improving the accessibility and the products
through innovation. Despite bringing innovations to your products and services the challenge for a retail bank is “how to retain
existing customers?” Retail banks certainly are investing into several projects where they can bank the unbanked customers and
retain these customers in the bankable domain.
Course Director Profile:
Javed Abbasi, GISBA Group, Saudi Arabia, Principal Consultant and Founder
Javed Abbasi MBA Bi-major (Finance & MIS), DIBI (IIBI, UK), IFQ (SII, UK), CIPA (AAOIFI) is Principal Consultant at GISBA. (GISBA was
nominated in two of the best in its class categories by CPI Financial in 2009). His consulting assignments are across three continents
from Switzerland, KSA, Bahrain, UAE, Kuwait, Nigeria and Malaysia. Mr. Abbasi is a prominent consultant with expertise in Islamic
Finance vertical. Mr. Abbasi is conducting the Strategic session for Senior Executives of banks for quite some time. He is considered as
an authority on how the “Blue Ocean Strategy” can be applied in the banking environment.
9:00 Session 1: Overview
• Introduction to retail banking products globally
• Identifying common and fast moving retail banking products
across Africa
• Understanding customer response on these fast moving
products
• Identifying why the remaining product portfolio are not selling
• Learning of Deep customer insight
10:30 Coffee and Tea Break
10:45 Session 2: Product Innovation
• Understanding key drivers of product innovation in retail
banking
• How product innovation has changed retail banking globally?
• Impact of product innovation pre and post financial crisis
• Key methodologies for product innovation
• Measuring and eliminating risks during product development
• Importance of new ideas to generate innovative products
• Crafting an client centric business model to generate consumer
products
• Learning of customer priorities to generate client centric retail
products
• Significance of Islamic Retail Financial Products & Services
• Designing a client centric retail product:-
o Credit Cards
o Personal Loans
o Deposits and Saving Investments
o Home Finance
o Consumer Payment Products
o Electronic Banking Services
o Wealth Management Solutions
o Micro and Consumer Financing
12:00 Session 3: Client Centricity and Retention
Strategies
• Learning human psyche and analyzing potential areas to retain
clients
• Deriving technology as a source to enhance customer
experience and maintain client retention
• Strategies on how to increase productivity through a new and
improved client retention system
• Best use of Lean and Six Sigma to improve service quality that
results in client retention
• Identifying various business and operating models for an
effective client retention system
• Improvising with the Islamic approach to client retention in
retail banking and identifying how effective the approach is to
retain customers
13:00 Lunch
14:00 Session 4: Retail Banking Operations &
Distribution Improvement
• Current operational excellence trends in retail banking
• Creating a distribution strategy that best suits your region
• Identifying best ways to reach the unbanked population
• Improving these methods of reaching the unbanked population
• Opportunities & various strategies in partnering with
non-financial institutions to deliver financial services to the
unbanked community
• Strategies on distribution and product innovation
• Identifying a multi-channel approach to product distribution
15:00 Session 5: Group Exercise & Team Building
• Practical use of concepts
• Idea sharing and networking
• Case Studies and exercises
• Round table discussions
• Team Presentation on exercises
15:30 Conclusion: Challenges, Issues and
the Way Forward
• Winning New Product Development Strategies in Retail
Banking
• The importance of building a New Product Development
Culture
• Importance of using technology to develop and serve better
products to Africa’s customers
• Value of consumer insights during product development
• Importance of methods, metrics and operating models in
achieving operational excellence
16:00 Close of Workshop and Farewell
POST CONFERENCE WORKSHOP
Day 3: 28th
July 2011
6. MEET OUR PRESTIGIOUS SPEAKER PANEL
Gautam Vir, State Bank of Mauritius, Mauritius
Chief Executive Officer
Gautam Vir is a veteran consumer banker with over 32 years of experience in this field spanning across
India, Asia-Pacific, North America, Middle East and Europe. He is currently the Chief Executive of the
State Bank of Mauritius Group since 2009. Gautam started his banking career with the Bank of America
in 1978 and later moved to Citibank India in 1987 where he had seven year tenure in the consumer
banking domain across India and Singapore. After Citibank in 1994 Gautam moved to Dubai and was
the Head of Personal Banking for the Southern Gulf Region for Standard Chartered Bank. Gautam took
up his first role as CEO with HEBROS Bank in Sofia – Bulgaria back in 2001. He remained CEO, Executive
Director and the Chairman of the bank’s Management Board. In 2005, Gautam moved back to India to
join the Development Credit Bank as the bank’s Managing Director and Chief Executive Officer. Courtesy
his intelligence the Development Credit Bank got listed on the Bombay Stock Exchange and the National
Stock Exchange. Gautam holds an MBA from the Indian Institute of Management, Kolkata, India and a
B.A. (Hons.) Economics from St. Xavier‘s College, Kolkata. He is married and is a father of 2 children.
Tawanda Nyambirai, TN Holdings Ltd, Zimbabwe
Group Chief Executive Officer
Tawanda holds a Bachelor of Laws Honours Degree from the University of Zimbabwe and a certificate
in International Conflict Resolution Studies from the University of Uppsala Sweden and is a registered
legal practitioner, having practised as a partner of Kantor and Immerman Legal Practitioners until
March 1998. He is also a registered Estate Administrator. Tawanda is a Partner of Mtetwa & Nyambirai
Legal Practitioners. He is the Chairman of Econet Wireless Holdings Zimbabwe. In 2001, he founded
TN Financial Holdings Limited, a financial Services Group that now includes TN Asset Management,
TN Financial Services, TN Medical Benefit Funds and TN Bank Limited, a registered Commercial Bank.
Tawanda led the reverse takeover of Tedco Limited, a company listed on the Zimbabwe Stock Exchange
since 1973 and which is the leading furniture manufacturer and retailer in Zimbabwe that has a country
wide distribution network. The result of the transaction was a reverse listing under TN Holdings Limited on
4 January 2010. Tawanda is the Group Chief Executive Officer of TN Holdings Limited. The group has
a unique banking model that leverages on the furniture business. This model attracted the attention of
CNN and is captured in an interview posted on the CNN website under the following link: http://edition.
cnn.com/video/data/2.0/video/international/2010/10/28/mpa.nyambirai.tn.bk.b.cnn.html
Tawanda has won awards for outstanding achievement at personal level as well as for TN Holdings
Limited. These include the “Zimbabwe National Chamber of Commerce (“ZNCC”) Businessman of
the year award for Harare for 2010”, the “ZNCC Businessman of the year National Award for 2010”.
Under his guidance, TN Holdings Limited also got “The Platinum Technology Award for Quality & Best
Trade Name”, an international award conferred on TN Holdings Limited in Geneva in December 2010
in absentia. TN Holdings also won the award for the best display in the Commercial Sector of Zimbabwe
at the centennial Zimbabwe Agricultural show held in August 2010. This July, TN Holdings Ltd will
be receiving the ‘Majestic Five Continents Award for Quality and Excellence’ from the ‘OMAC’ Other
ways Management Association Club – Paris. This international Award has been created in Europe to
reward firms all over the world who have distinguished themselves in the field of Quality and Excellence.
He has been the theme speaker at the ICAZ 2010 winter school under the “Zimbabwe, the Uncut
Gemstone”. He was a panelist at the Economist conference on Zimbabwe under the topic “Ethics of
Investing in Zimbabwe”. He has also presented a lecture on Indegenisation Legislation at the 2010
Kemptom Makamure Memorial Lecture. He was a mentor on a popular TV series, “My Own Boss” that
was intended to nature entrepreneurial talent in young Zimbabweans and Zambians. On the 8th of
March this year, over 800 policy-makers and investors attended the Euro money Zimbabwe Investment
Forum of which Tawanda participated as a moderator for a panel of four senior Zimbabwean Executives,
discussing over the theme ‘Inducing consumer demand in an illiquid dollarized environment’. He set the
topic, selected the speakers, and moderated the workshop. The survey conducted by Euromoney after
the event and published in a conference Report Dated 6 April 2011 showed that this workshop “B”, was
rated the best workshop of the conference by the delegates. Under his guidance, TN Holdings Ltd was
recently awarded the Bronze Award at the ‘ZITF’ Zimbabwe International Trade Fair; where over a 100
companies participated in showcasing their products to local and international delegates. The trade fair is
an annual event, regionally rated amongst the paramount events within Southern Africa. Each year, over
4000 individuals attend this show.
James Benoit, AfrAsia Bank Limited, Mauritius
Chief Executive Officer
James Benoit is CEO and Director of AfrAsia Bank Limited, a regional corporate and private bank which
is part of the largest conglomerate in Mauritius. In less than three years, AfrAsia has rapidly established
operations/alliances in Cape Town, Johannesburg, Durban, India and Singapore. The bank quadrupled
its capital base adding private equity firms from South Africa and Singapore and recently the French
development institution, Agence Francaise de Developpement, via its private arm, PROPARCO. The
vision is to serve the growing Africa – Asia trade and investment corridor based in the Mauritius Financial
Services centre. James was previously a global executive with HSBC Group in China, Philippines,
Hong Kong, Middle East, Canada and Mauritius in which he has developed, implemented and grown
leading consumer banking, wealth management, credit cards and corporate banking businesses. He
is current President of the local Chapter of CFA Institute which has won global awards for membership
revitalization.
Ismail Ali, ITS, Kuwait
Senior Manager, Marketing and Global Operation – Financial Industry
Ismail Ali began his career on a path that is rare among other IT executives. Having earned his Bachelor’s
degree in Mathematics from one of the Middle Eastern’ s top universities, and armed with his MBA
degree from university of Wales, UK, Ismail’s goal was to complement his natural technical savvy with a
strong foundation in business and Islamic banking. Ismail Ali offers 15+ years of financial and technology
experience, strong background of Islamic banking industry solutions, challenges, markets’ drivers as well
as financial institutions’ needs. Setting and executing Islamic banking solution strategy with specifics
on transformation into Islamic banking and applying Islamic windows. Ismail is responsible for the
marketing, product development and global expansion of the financial industry within ITS group. Ismail
earned his MBA degree from University of Wales, UK, pursing Doctorate of Business management degree
from university of Atlanta, USA, and earned his Bachelor degree of Mathematics from University of Cairo,
Egypt.
Javed Abbasi, GISBA Group, Saudi Arabia
Principal Consultant and Founder
Javed Abbasi MBA Bi-major (Finance & MIS), DIBI (IIBI, UK), IFQ (SII, UK), CIPA (AAOIFI) is Principal
Consultant at GISBA. (GISBA was nominated in two of the best in its class categories by CPI Financial in
2009). His consulting assignments are across three continents from Switzerland, KSA, Bahrain, UAE,
Kuwait, Nigeria and Malaysia. Mr. Abbasi is a prominent consultant with expertise in Islamic Finance
vertical. Mr. Abbasi is conducting the Strategic session for Senior Executives of banks for quite some
time. He is considered as an authority on how the “Blue Ocean Strategy” can be applied in the banking
environment.
Mohammad Ashraf Esmael, The Mauritius Leasing Company Limited,
Mauritius
Chief Executive Officer
Mr Esmael, 43 is the Chief Executive Officer of The Mauritius Leasing Company Limited, the pioneer
leasing company in Mauritius since 1987. Mr Esmael is an experienced and strategically minded business
person who has the privilege of leading the largest, most innovative and the only Asset Finance Company
listed on the Stock Exchange of Mauritius. Mauritius Leasing is part of the British American Investment
Group, 2nd largest Conglomerate in Mauritius. Prior to joining British American Investment in 2001, of
which Mauritius Leasing is a subsidiary, he held a number of senior positions with large companies and
multinationals in diverse business sectors such as financial services, information technology, consulting,
FMCG and corporate investments. Within the British American Investment Group, Mr Esmael served
in successive roles as Head of Information Services, Vice President – Central Services and Vice President
-Projects where he handled and monitored a number of corporate investment projects of the Group as
well as the setting up of new companies. In 2004, he initiated the structuring and setting up of the first
and only specialised fleet management operation in Mauritius to provide full maintenance lease solutions
to corporate fleet owners. More recently he successfully led industry breaking new developments in Islamic
financial services (Ijaarah, Murabaha and Mudharaba based solutions) including real estate leasing and
floor plan financing solutions in Mauritius. Mr Esmael participates in various professional and business
associations such as the Mauritian Institute of Management and the Mauritian Chamber of Commerce
& Industry and he is presently the Chairman of the Association of Leasing Companies in Mauritius. He
has also acted as panel member and speaker in financial services workshops organised by the Financial
Services Commission and the Central Bank in Mauritius on topics such as Broadening Access to Financial
Services and Islamic Finance & Capital Markets. He holds a Master in Business Administration from the
Surrey European Management School with specialization in Marketing and Project Management. He also
holds other qualifications in Management Accountancy and Information Technology. He is married with
2 children.
Hennie van Rensburg, Standard Bank
Senior Manager: Business Integration, Core Banking Pricing
Hennie has been handling the business integration of pricing for the Core Banking replacement project
at Standard Bank Africa since July 2010. He is a seasoned retail banking product manager and has wide
knowledge and rich experience, spanning almost two decades, in product development, pricing and
profitability management. Prior to this assignment, Hennie managed the liability product portfolio at
Standard Bank Africa. He has also worked as pricing manager at Ford Motor Company. Hennie holds an
MBA from Bond University, Australia.
Sathish N, SunTec
Customer Engagement Director – EMEA
Sathish drives SunTec‘s customer experience practice for the EMEA region. His primary focus is on
handling program delivery, pre-sales and consulting. Sathish is a techno-functional expert with rich global
experience in delivering enterprise pricing and billing and core banking transformation for tier-1 and tier-2
banks. He has had long stints with large banks, leading their transformation projects in Tokyo, London,
Copenhagen, Dubai, New York and South Africa. Sathish holds a BE from Bharathiar university, India.
Ashish Bhugra, Citibank NA, Egypt
Business Manager – Retail Bank
Ashish has had a 20 year association with Citibank having worked in India, Saudi Arabia, UAE &
Bahrain and has gathered a diverse experience in Wealth Management, Branch Operations, Marketing
& Business Management. In 2004, he was designated as the Country Business Manager for Citibank
in Bahrain, where he has grown the franchise by 30% annually thereby making significant inroads into
the Retail Banking space in the country. Ashish is also a member of the Retail Banking committee of the
Bankers Society of Bahrain. In this role he was actively engaged on behalf of the Central Bank of Bahrain
in designing & implementing the ‘code of best practices’ for Retail Banks. Citibank Bahrain has received
the Best Internet Bank award by Global Finance in 2005, 2006, 2007 & 2008. Additionally, in 2007
Citibank Bahrain was felicitated with the ‘Best workplace award’ and in 2008 for the ‘Best Loans portfolio’
in EMEA. The business also received 4 Regional awards in 2008 on their Cards portfolio. Effective Aug
2009, Ashish has moved to a new assignment in Cairo as the Country Business Manager for Citi’s Global
Consumer Group, Egypt. Ashish joined Citibank in 1990 in India. He holds a double MBA degree from
Birla Institute of Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.
Leila Fourie, Standard Bank of South Africa
Director: Card Division
Leila, a director at Standard Bank Group is responsible for the Card Division for South Africa. She overseas
R21 billion in assets and 3 million card holders. The card division contributes in excess of R700m in
headline earnings and R3.7bn in operating income. Leila overseas the consumer and commercial card
portfolios, Bluebean, Edcon and British Airways cards as well as the Diners Club organisation in South
Africa. Leila is the chairman of the Diners Club South Africa board and is a Discover International board
member. Standard Bank is the largest credit card issuer in South Africa, contributing to 34% of the market
share by balances. After graduating with a bachelor degree from RAU and an Honours Cum Laude at
Unisa, Leila completed her MCOM Economics at the University of Johannesburg where she moderates
honours students in Financial and Investment Analysis during her spare time. She spent 8 years in
consulting at various companies, finally at Accenture for five years. After working in multiple industries
in consulting, Leila specialised in capital markets, consulting to the Johannesburg Stock Exchange for 4
years. Leila moved to Standard Bank Corporate and Investment Bank in 2004 where she led a global unit
responsible for Credit Analytics and Portfolio Reporting. Leila moved to her current role at the Personal and
Business Bank in mid 2008 to head the Card Division, the largest of its kind in South Africa.
Regan Adams, RCS Group, South Africa
Chief Commercial Officer
Regan completed his BSc Engineering degree at the University of Cape Town and started in an engineering
capacity at PPC Cement. Whilst working at PPC, Regan completed a BComm degree through UNISA
to further his keen interest in business management. He subsequently became involved in a business
process re-engineering project at PPC which led to him moving to their head office in Johannesburg. After
spending some time in the manufacturing industry Regan decided to pursue a career in financial services
and joined Capital One Financial Corporation. In their company‘s Joint Venture with Nedcor Bank, Regan
initially worked on the Peoples Bank Lending business prior to working in the UK at the Capital One
Head office. On his return to South Africa he worked as Business Manager for American Express Cards.
Regan left American Express to gain experience in the risk management consulting field by joining PIC
Solutions prior to starting his career at the RCS Group. Whilst at RCS, Regan completed his BCom (Hons)
in Financial Analysis & Portfolio Management. Currently Regan is the Chief Commercial Officer within the
RCS Group responsible for all the commercial aspects of the business inclusive of all the various business
and product lines within the Group.
Faustin Byishimo, Banque Commerciale du Rwanda Ltd, Rwanda
Head of Retail Banking
Faustin Byishimo has over 10 years experience working with Banque Commerciale du Rwanda, (BCR) -
one of the largest Commercial Banks in Rwanda. He has in-depth Strategic Management and operational
experience that has been acquired through various roles that include; Finance, Internal Audit, Branches
Operations and Business Development and since 2 years the Head of Retail Banking. His current role
comprises of strategic business units such as; Retail Sales Management, Credit Management, Collections,
Strategic Marketing and Products Development.
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com
7. MEET OUR PRESTIGIOUS SPEAKER PANEL
Vinayak Pillai, SunTec
Senior Vice President and Head of Sales, EMEA
Vinayak Pillai drives SunTec’s strategy, sales and business development. With over 17 years of projects,
sales and marketing experience, Vinayak brings a fresh perspective to the dynamic requirements of the
financial services industry. He is passionate of the pricing and billing domain, and has played a key role
in evangelizing the concept to the financial services realm. Having worked with the world’s leading core
banking solution provider, Vinayak has extensive experience in the sales of core banking platforms in
Europe. An engineer by profession, he also has a Master’s Degree from one of India’s premier business
institutions.Vinayak has had a successful track record of partnering with tier-one institutions across all
geographies throughout his career. Under his leadership, SunTec’s flagship product TBMS-F is today
directly involved with three of the world’s largest banking transformation/integration programs.
Mohamed Saloojee
Senior Retail Banking Executive
Mohamed has been in the banking world for over twenty years, most of this time spent in executive roles
within the Nedbank Group. He is described as an ‚Economic Soldier‘ and is passionate about contributing
to a sustainable South Africa post apartheid and committed to making a difference in the lives of people.
It is in this context that he has ensured that his expertise is in building lasting and sustainable solutions
aimed at the unbanked and under-banked individuals and communities both in rural and urban
geographies. Recognised as a specialist in transforming intelligence into insights, client value networks,
client value propositions, innovative enablement and creative alliances he has held various executive
roles in the industry. His career highlights spans from 1989 till present where he has been into research,
community relations, stakeholder alignment, socio economic empowerment, business strategy re-
engineering, private banking, consumer finance, and retail banking. He has worked with Interface Africa
Public Affairs Consulting, Perm Bank, People’s Bank, Nedbank, Teba Bank and UBank.
Kelechi Dozie, Pay4Me Services Limited, Nigeria
Managing Director
Mr Kelechi Dozie is a graduate of the University of North Carolina, Chapel Hill. In 2002, he started his
career in the Commercial Banking unit of Broad Bank and later moved to Standard Chartered Bank,
where he worked in Cash Management. In 2004, Mr Dozie joined Diamond Bank Nigeria PLC as an
E-payments Associate where he rose to the position of Head of Payments. He left Diamond Bank in 2006
to become Chief Marketing Officer at Smartswitch, Nigeria. Until September 2009, Mr Kelechi Dozie was
the Chief Marketing Officer and Acting Managing Director at Smartswitch Nigeria before proceeding to
join Pay4Me Services Nigeria as the Managing Director in 2010. Mr Dozie is an alumnus of the University
of North Carolina and Bimel University London. He has also attended various specialist and executive
development courses in both Nigeria and abroad. He is an avid Tennis Player.“
Guy Pearce, JD Group, South Africa
Chief Executive: New Business Development
Guy is a graduate of both Commerce and Science. He is passionate about banking, an outcome of which
has been the creation of over R1.1b in value over the last few years by growing revenue, decreasing
cost or mitigating risk. He is a regular invitee to business and academic conferences around the world,
thriving on peer review at the highest levels of commerce and academia. He is a proven global thought
leader, having been interviewed by Newsweek for the Davos special edition, is a member of Stanford’s
Who’s Who, and has been invited to be a Future Global 100 roundtable leader with some of the biggest
companies in the world.
Chidi Okpala, United Bank for Africa Plc, Nigeria
Head of Group Retail Banking Division
Chidi Okpala holds a B.Sc Finance and an MBA from the University of Nigeria. He also has the Sloan Msc
in Strategic Leadership and Management from the London Business School, one of Europe’s elite business
schools. He has enjoyed a distinguished career of over 18years in Banking and Consulting; currently the
Head of Retail Banking Division in United Bank for Africa Plc, overseeing Retail Banking business across
18 countries. While in Accenture between 1999 and 2001, he functioned as a Senior Consultant in
Strategy. He is a Non Executive Director in CRC Credit Bureau and a Member of the Trade, Investment
and Competitiveness Commission of the Nigerian Economic Summit Group (NESG). Chidi is a Chevening
Scholar and a Fellow of the Nigerian Leadership Initiative.
Michael Schrader, Top Image Systems™ (TIS™), Germany
Managing Director: Europe, Middle East & Africa
Michael Schrader has served as the manager of TIS’s German operation since 2004. In this position,
Mr. Schrader successfully established a solid operation with skilled sales and engineering teams able to
respond to the demands of a highly competitive market, and develop superior standardized applications.
Mr. Schrader has been with TIS since 1999, and has rapidly progressed within the company, serving as a
software engineer, a technical team leader, an international strategic project manager and as the director
of engineering for Europe. Prior to joining TIS, Mr. Schrader was a software engineer at Siemens and
owned a Document Management consulting and development business. Mr. Schrader holds a B.Sc. of
Business Engineering / Administration and is an Associate Engineer of Siemens Technical College.
Clive Williams, Top Image Systems™ (TIS™), United Kingdom
Senior Vice President, Global Banking
Clive Williams joined TIS as Senior Vice President to lead the Global Banking Unit in November 2010.
Clive has over 20 years of executive management experience in the banking and financial services
market. Prior to joining TIS, Clive served with Misys International Banking Systems plc, a leading global
application software and services provider to the Banking industry. At Misys Clive was a Senior Solutions
Director for Enterprise Retail Banking, Wealth Management and Compliance and Risk. In that post Clive
was responsible for Strategy, Development and Delivery of Misys’ solutions and related business activities.
Clive also served as member of Misys’ Banking Solutions Operating Board and Strategy Council. Prior to
joining Misys Clive held a number of Senior Management and Board roles at The Highams Group plc, a
leading software and services provider to the international Banking and Insurance markets. His positions
there included Group Business Development Director, and Head of Strategy and Divisional Managing
Director. Before The Highams Group Clive was an Executive Director with The Enterprise Group Plc, an
international Technology Services Group. Clive is a Chartered Engineer, Chartered IT Practitioner, a Fellow
of the Institute of Marketing and holds an M.B.A from Henley Business School (HBS) in the UK.
Uchenna Okwodu, Bank PHB Plc, Nigeria
Vice President | Group Head – eBusiness & Card Services
Uchenna Okwodu is the Vice President / Group Head – E-Business & Card Services at Bank PHB PLC. She
has an extensive management experience that spans over 18 years, in strategic cross functional areas of
banking. She designed, implemented and issued the first International Prepaid Card in Nigeria, and led
the team that issued the first 10,000 International Cards in Nigeria. An expert in Card Business, Retail
and Consumer Banking, with strong competence in dissecting business models and reconfiguring them
to exploit growth opportunities. A recognized pioneer in the development of Electronic Banking in Nigeria
with active roles in defining and implementing strategies for utilizing electronic services and channels
to penetrate and develop new markets. Uchenna holds a Bachelor of Arts degree in English from the
University Of Benin, she has an MBA (Marketing) from Esut Business School. She is a member of the
Central Bank of Nigeria Electronic Payment Card Working Group. She is an Alumni of Senior Management
Programme of Lagos Business School, and has attended various courses and Executive Programmes at
Columbia University USA, IDI Dublin Island, Visa Bankcard Business School Cambridge England, and
Visa Bank Card Management School Virginia USA. She is widely travelled and speaks on International
Conferences. Her day-to-day focus is on how over 140 million population in Nigeria can conveniently use
cards as a means of payment.
Brian Richardson, WIZZIT, South Africa
Managing Director and Chief Executive Officer
Educated at Wits with a BCom and an MBA. Currently a Founding Director and CEO of WIZZIT, a recently
launched bank aimed at the unbanked and under banked segment of the population. WIZZIT was
launched in November 2004 and in providing affordable banking to the mass market was the first to
launch as part of its offering, cell phone banking that works across all the networks and all phones and
SIM cards. WIZZIT solves not only an accessibility and affordability issue but from a convenience point
of view offers 24/7 real time transactions and hence is “Your Bank in Your Pocket.” WIZZIT is recognized
as the global pioneer in mobile banking. Brian is listed in Who’s Who of South African Business as well as
the International Biography of Distinguished Leaders. He is an Ashoka Fellow – a global network of social
entrepreneurs. He has lectured and presented at seminars and conferences throughout the world and
was recently invited by the Clinton Global Initiative to present the WIZZIT model as a means to “Bank a
Billion”. In South Africa, WIZZIT operates as a division of the South African Bank of Athens limited but we
have launched mobile Banking in Zambia, Tanzania, Rwanda and Romania with other countries in the
process of being finalised. Brian is married to an equally entrepreneurial wife and has 2 daughters and
twin boys.
John Aldridge
Payment Consultant
John has lived in Johannesburg for 20 years since moving from the UK. He has over 30 years marketing
payment solutions, and branch applications have included cheques, credit cards, debit cards and EMV
with roles at Hypercom and Schlumberger. This enabled him to set up Cybernet Korea operations in Africa
and form his own company in 2003. This followed 12 years in the UK managing branch systems for
Olivetti and Nixdorf. Experience with GPRS card terminals since 2003 enabled John to document his vision
of Internet banking for the individual and have that vision approved by FICA – the SA Banking Regulatory
Authorities. John graduated from Hertfordshire University in Computer Science, and through banking
roles has kept at the forefront of payment technology initially in the 90s producing a paper showing
how signatures can be reduced to 4 digits, and then an anti-fraud patent for magstripe cards. The FICA
acceptance of his vision further confirms his grasp of payment technology.
SPONSOR PROFILE
Platinum Sponsor: TN Bank Ltd
TN Bank is a Commercial Bank that provides its products and services as part of
product bundles that include furniture manufactured by TN Harlequin Luxaire,
telecommunications products offered by Econet Wireless, consumer goods sold by
the Meikles Department stores, pharmaceuticals and medical insurance products
distributed by TN Health Care and TN Medical Benefit Funds. It has a nationwide
distribution network branded as Bank Malls that sell furniture, pharmaceuticals, and
telecommunications products alongside banking services. It also has a presence in
Meikles Limited Department Stores. Its banking model is based on delivering convenience to customers by
enabling them to access banking services at the point of commercial activity.
Gold Sponsor: ITS
ITS Group has been the leading ICT solutions provider for Islamic banks and Islamic
finance organizations for over two decades, and is a member of AAOIFI and IFX. The
ITS Universal Islamic Banking solution is Shariah compliant, and specifically designed
to fulfill the needs of the Islamic banking and finance sector. ITS‘s Universal Islamic
Banking solution is based on the first „Islamic Instrument Definition Engine“ which allows Financial
organizations to create their own Shariah compliant products, workflow, and processes. In addition, it is
based on Service Oriented Architecture & is adopting IFX Massaging Protocol. The ITS Universal Islamic
banking solutions cover Consumer Financing, Trade Finance, Retail Islamic Banking, Ejarah Card Product,
Treasury/Investment, Internet Banking, Risk Management with BASEL II Compliance, and Banking
Delivery Channels. ITS has a keen understanding of what its customers really need from an ICT partner;
in short, to enable technology utilization in order to allow your business to grow. ITS implements cutting
edge solutions for numerous valued clients in the Middle East, North African and East Asian regions,
through our resource pool of over 2400 skilled IT professionals based in 24 offices worldwide.
For more information, please visit: www.its.ws
Silver Sponsor: Pay4Me Services Limited
Pay4Me is an E-commerce solutions provider that delivers payments
and collection solutions via its products: E-wallet, Pay4me Mobile,
Pay@Bank & Pay4Bill. Pay4Me is currently deploying solutions that
target online retail commerce and rural branchless banking and Money Transfer. Pay4Me is currently
expanding into Africa and international Partnerships
Silver Sponsor: Top Image Systems™ (TIS™)
Accelerate your document-driven business processes. Top Image Systems™ Ltd (TIS™)
is a leading global provider in the Enterprise Content Management (ECM) solutions
market. We provide you with the technology to automatically transform any information
entering your organization into useful and accessible electronic data, delivering it
into the applications that drive your business. eFLOW™ is our powerful, proven and
homegrown technology that has earned a reputation for its innovative ‘One platform.
Multiple choices’ approach. eFLOW offers customers modular or comprehensive solutions to best meet
their specific industry and business process needs.
Silver Sponsor: SunTec
SunTec (www.suntecgroup.com) is a leading provider of Relationship-based
Pricing and Centralized Billing solutions for Banking, Financial Services
& Insurance (BFSI), and convergent charging and billing solutions for
Communication, Media & Entertainment (CME) and other industries. Our products and solutions provide
a comprehensive platform for measuring and monitoring end-to-end transaction value and profitability at
various levels. Our pricing and billing platform for the BFSI vertical - the TBMS-F suite - has been deployed
for global leaders in the financial services realm, such as HSBC, ICICI, ING, Lloyds Banking Group, Axis
Bank and DBS. Bahrain Telecom and Dubai Port World are among our clients in other verticals.
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com