4th Retail Banking Africa 2012 - South Africa

visit our website:
www.fleminggulf.com
10, 11 & 12 July 2012, Hyatt Regency, Johannesburg – South Africa
 Strategically changing Africa’s Retail Banking Landscape 
Beating the competition in Africa by thinking out of the box in
retail banking
Significance of changing the governance of retail banking across
Africa
Analyze how Islamic Retail Banking can change customer
experience and be an influence for new business growth
Make new customers, retain old customers and make loyal
customers from a revised and improved retail strategy
Adapt to best customer loyalty experiences from outside the
banking industry
Understand how new product development and marketing
strategies influence growth in your existing retail banking business
Best practices in electronic payments to serving the poorest
of the poor and enhancing the region’s microfinance and SME
businesses
Improve your operating and business models by reducing cost
and benefit from process outsourcing
Understand the significant social purpose of retail banks in the
region
Meet and Network with the best of the best from Africa’s retail
banking sector
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, Retail Marketing, Retail Sales,
Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Mobile Financial Services, 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, SME, Retail Operations and Micro Financing.
FIND YOUR REASONS TO ATTEND
WHO MUST ATTEND
The 4th
Retail Banking Africa 2012
Sanjeev Anand, Banque Commerciale du
Rwanda Ltd, Managing Director
Yolande van Wyk, First National Bank
Chief Executive Officer: eWallet Solutions
Tineyi Mawocha, Standard Bank Swaziland,
Managing Director
Brian Richardson, WIZZIT, Founder Director and
Chief Executive Officer
Adrian Harris, Marang Financial Services
Managing Director
Hennie Ferreira, MicroFinance South Africa
Ashraf Esmael, Bramer Bank
Chief Operating Officer | CEO – The Mauritius Leasing
Company Ltd
Thami Bolani, National Consumer Forum,
South Africa, Chairman
Andrea Prazakova, BancABC | African Banking
Corporation
Group Head – Retail and SME Banking
Ashish Bhugra, Citibank NA, Egypt Country
Business Manager: Global Consumer Group
Nabeel Malik, First City Monument Bank Plc,
Executive Director – Retail Banking Group
Sandeep Sharma, Fina Bank
Head of Retail Banking
Sonny Zulu, Standard Chartered Bank Zambia
Plc, Head of Consumer Banking
Dotun Adeniyi, Skye Bank Plc, Executive Director |
Enterprise Risk Management
Haitham Abdou, ITS
Group Director – Marketing
Ozkan ERENER, VERiPARK
General Manager: VeriPark Gulf
Bruce Nicholson, Microsoft
Dynamics CRM Architect
Ram Rastogi, National Payments Corporation
of India (NPCI)
Head of Mobile Payments and Financial Inclusion
Kevin Carty, FEXCO Merchant Services
Business Development Manager: Southern Asia, Middle
East and Africa
Brian Timothy Quarrie, Network International
Executive Vice President | Sales and Client
Management
Lana Strydom, First National Bank
Head of Digital Marketing and Media: FNB Brand
Management
Reg Swart, Fundamo – A Visa Company
Senior Vice President: Central Europe, Africa and
Middle East
Leoni Groenewald, JD Group
Chief Information Officer: New Business Division
Marc Joubert, JD Group
Financial Services Marketing Executive
Roy S. Akalah, KCB Bank Group
Director: Back Office & Customer Service
Deborah Aspoas, Cell C
Head of Customer Care
Chantel Botha, Sanlam Limited, Customer
Experience Evangelist: Sanlam Personal Finance
Lincoln Mali, Standard Bank of South Africa,
Director: Customer Channels
Gustav Vermaas, Standard Bank Africa
Head of Payments & Acquiring
Ica van Eeden, Sun International Limited
Chief Customer Officer
Cathy Rutivi, Consumer International, Africa,
Project & Member Services Officer
Mohamed Saloojee, Consumer Finance Specialist
CONFIRMED SPEAKERS & PANELISTS
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Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589
email: fahd.ali@fleminggulf.com, www.fleminggulf.com

8:00 Registration and Morning Coffee
8:50 Welcome Note from Fleming Gulf
9:00 Opening Remarks from the Chair
REINVENTING THE AFRICAN RETAIL BANKING MODEL
9:10 KEYNOTE Africa Retail Banking – The New Order
• Existing size of consumer financing products and services Pan-Africa perspective
• Political Challenges and outcome in the continent’s financial sector
• Emerging Trends: Consumer and Regulatory
• The New Retail Banking Order
9:40 CEO Panel | The Future of Retail Banking: Retailer’s
Competitive Movement
Global economy has witnessed a trend where local and international players have
direct link with the consumer are now entering a phase of supplying financial
services to basic consumers. Retailers, Telcos, and Agencies are slowly becoming a
threat for retail banks to entertain customers in basic financial services. Keeping an
eye on these threats, what will be the future of retail banking in Africa? This panel
discussion session will feature visionary CEOs to take you through on crafting a
competitive strategy to become leaders in retail banking and the world of retail. The
panel discussion will feature:-
• Retail banking today and tomorrow...
• Think as Retailers for a change...
• Methods on gaining consumer confidence and trust...
• Alternate methods to strengthen retail banking services...
• The role of branches and other alternate channels to beat the competition...
• Trying to be more of ethical rather than conventional in serving consumers...
• Revamping the retail banking business model...
• Telcos and Mobile will lead in the future... are retail banks prepared for the
competition?
• What have Retail Banks done to entertain the SME sector...
• Understanding the Ethical and Social Purposes of Banking in today’s world...
• What can Retail Banking Learn from Corporate Banking tactics?
Featured Panelists:
Sanjeev Anand, Banque Commerciale du Rwanda Ltd
Managing Director
Tineyi Mawocha, Standard Bank Swaziland
Managing Director
Brian Richardson, WIZZIT
Founder Director and Chief Executive Officer
Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd
Moderated By:
10:30 Morning Coffee Break, Exhibition Viewing and Networking
11:00 Transforming the Landscape of Governance in Retail Banking
• Understanding the existing portfolio of Retail Banking in Africa: Consumer
Finance, Wealth Management, Personal Finance, Business Banking
• Contribution made by the Larger Players against the Smaller ones
• Where are we going wrong in the Governance of Retail Banking?
• How can Political and Super Power influence substantial growth in Africa’s Retail
Banking business
• Where do we go here on?
Sonny Zulu, Standard Chartered Bank Zambia Plc
Head of Consumer Banking
11:30 Retail Banking Marketing – Africa’s New Order
• What drives Sales?
º Word of mouth
º Advertising
º Previous experience
º Narrowing gap between sales and service
º Back room to the boardroom – for better decision making
• Consumer Decision Journey
º Align sales and marketing activities to CDJ
º Analytics to combine pulse of the market to pulse of the customer to
enhances purchasing funnel
• Moving up the Analytics curve
º Analytical novice to leader
º Prospect targeting models to improve acquisition
º SoLoMo analytics – Right person, right time and right place for relationship
building
º Voice analytics for retention
Nabeel Malik, First City Monument Bank Plc
12:00 Budget Banking Models – Growth Enabler
• Mobile as one mechanism for affordable banking business models
• Different examples of mobile banking and mobile money
• Gaps and opportunities
• FNB case study with FNB Cellphone Banking compared against FNB eWallet?
12:30 “How the Card Payments Industry can Leverage the
Opportunities of International Tourism to Africa”
Understanding the economic and business impacts of international travel on cities
and countries that are popular destinations of international travel, and how these
market forces create new opportunities for the Card Payments Industry – especially
in Africa.
• Tourism in Africa
• Emerging Niche Markets
• Opportunities for Card Payment Providers
Business Development Manager: Southern Asia, Middle East and Africa
13:00 Luncheon
14:15 Cross Selling at every Opportunity
• Targeting customers with offers
• Online selling
• Inbound selling
• SMS and E-mail driven product sales
Ozkan ERENER, VERiPARK
General Manager: VeriPark Gulf
Joint Presenter:
15:00 “Let’s talk about Reaching the Customer... Effectively!”
• Text Book Business Models vs. Practical Experience...
• The Customer Lifestyle and the Client Lifecycle... “Let’s switch gears and come
up with new ideas.”
• Products and Services: Being Innovative is Good... Being Proactive is Better.
• Strengthening to Expanding your Retail Distribution Channel Network.
• Effective Marketing Strategies to reach out to your Clients...
• Best Practices and Learning
Ashish Bhugra, Citibank NA, Egypt
Country Business Manager: Global Consumer Group
15:30 Afternoon Coffee Break, Exhibition Viewing and Networking
16:00 Loyalty Strategies to Drive Customers: Improving the
Customer Experience
• Customer Segments – Do you know who you are targeting?
• Customer Psychology – Taking the psyche of a customer from a Loyalty
perspective
• The Strategy vs. The Competition – Where will you stand?
• Touch Points – How does it work?
• Touch Points – Educating and Motivating employees to touch points priorities
and expectations
• Performance Measurement and Monitoring – Pinpoint the areas of
Improvement
• Best Practices and Key Take Away
Chantel Botha, Sanlam Limited
Customer Experience Evangelist: Sanlam Personal Finance
16:30 Winning New Product Development Strategies in Retail
Banking
• Building a Profitable NPD Culture
• Product Packaging and Bundling Techniques
• Product development : Back to the Future
• NDP Innovative thinking vs Execution
• Case Study and Learning
17:00 GURU Panel | “Opportunities lined up in Retail Product
Development: The Big Picture!”
• Facilitating Customer with Client Centric Solutions
• Adapting to Loyalty Programs – Successful Stories from overseas
• Facilitating basic financial solutions and services to micro customer segments
ranging from the low income earners to the poorest of the poor
• What’s new in Electronic Payments?
• Exploring Innovation in the Cards Portfolio
• Enhancing your distribution reach beyond the branch towards agencies, mobile
kiosk, mobile phones and other innovative mediums
• Retail Leasing and Financing Opportunities
• Adapting to New Avenues: Islamic Retail Financial Services... Being Socially
Responsible
• Bancassurance and Wealth Management Solutions
• Exploring new frontiers and markets to expand the retail business development
Featured Panelists:
Executive Vice President | Sales and Client Management
Moderated By:
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: 10th
July 2012

8:50 Welcome Note from the Chair
THE CUSTOMER IS ALWAYS RIGHT
9:00 PANEL DISCUSSION | Protecting the Consumer’s Interest in
African Retail Banking
Global banking has witnessed a change in business models as today’s market is
more of a customer driven than product driven. They say the customer is king or
the customer is your boss. Fair trade, competition and consumer rights are the key
in modern day retail banking. This panel session will feature consumer lawmakers
from Africa where they will highlight:-
• The Existing Legislation and Infrastructure in Consumer Protection
• The Future of Consumer Protection where competition can be viable in the
interest of the consumer
• Key developments to ensure better and fair trade
• The Consumer Protection Law’s impact on Retail Banking
• Applied lessons learnt and key take away
Featured Panelists:
Thami Bolani, National Consumer Forum, South Africa
Chairman
Cathy Rutivi, Consumer International, Africa
Moderated By:
9:30 Impact of Technology on Customer Centric Solutions Roll Out
• Are you ready for customer centric solution?
• Role of integrated technology in customer centric strategy
• Importance of data for customer centric solutions
Andrea Prazakova, BancABC | African Banking Corporation
10:00 Transforming to Electronic Finance & Commerce
As technology innovations are constantly and rapidly changing, this has direct
effect on the operations of financial institutions. To maintain their competitive
edge financial institutions must be agile in developing, marketing, and selling
financial products in a timely manner. Utilizing the latest technology architectures
(SOA), software solutions can now enable the business user to define and maintain
financial products, Accounting flows, marketing and cross selling rules based on
“KYC”. Technology enables local and global organizational growth.
• Universal Banking Drivers
• Banking Industry Challenges
• Trends in Technology Transformations
• ITS Applying the Technology for Islamic Financial Institutions (Example)
Haitham Abdou, ITS
10:30 Morning Coffee Break, Exhibition Viewing and
Networking
11:00 Customer Experience: Telecom Perspective
11:20 Customer Experience: Retailers Perspective
11:40 Customer Experience: Hospitality Perspective
12:00 PANEL DISCUSSION | “Let’s learn from our Friends...
Enhancing Customer Experience in Consumer Financial
Services”
• Significance of Customer Experience and how it influences the power of sales
and revenue to a company...
• The Front Office – How do you make the front office staffs deal with customers?
• Delivery Channel – Improvising quality across all channels of service delivery
• Leverage the VOC for Customer Intelligence
• Providing a 360 Degree view Customer Services
• Client Retention Techniques and Operating Models
Featured Panelists:
Andrea Prazakova, BancABC | African Banking Corporation
Moderated By:
12:30 NFC – Components of Success: Customer Experience &
Challenges
13:00 Luncheon
ENHANCING DELIVERY CHANNELS TO SERVE
CUSTOMERS BETTER
14:30 Social Banking: Retail Bank 2.0
• Banking for Tomorrow: Generation Y
• How Customer Behaviour will Change Future Retail Banking?
• Challenges for Retail Banks to adapt to 2.0 Technology
• Best Practices & Case Studies
Head of Digital Marketing and Media: FNB Brand Management
15:00 CASE STUDY “The King of all Channels – The Branch”
• The Front Office Experience: Improving the Role of the Customer Service
Officers and Relationship Managers
• Branch Experience as per Customer Segments: Mass Market, Affluent, Priority &
Preferred Clients
• The Response Time – Efficiency in Self Service and Customer Service
• Marketing and Branding in Branches: The Ambiance
Lincoln Mali, Standard Bank of South Africa
15:30 Afternoon Coffee Break, Exhibition Viewing and
Networking
16:00 Centralizing Retail Banking Operations: Outsourcing and
Shared Services
• The importance of centralized operations
• Key drivers of being centralized
• Process improvement
• Outsourcing as a Competitive Strategy
• Minimizing the allocating risk in 3rd party outsourcing transactions
• Centralized Back Office VS Decentralized Systems
• The role of STP in Central Operations
• Vendor Management and Performance Improvement
16:30 Potential Technologies to Support Africa’s Consumer Finance
Business
• Broad Picture of Consumer Finance in Africa
• Existing Technological Trend in Africa’s Consumer Finance Sector
• Legislative approaches to Technological infrastructures that can support
Consumer Finance
• Being more agile in the business with Cloud Computing
• Infrastructural support for Mobile, Cards and the Internet
• Emerging Technological Trends: Google Mobile NFC Payments
• What’s next in eBanking websites?
17:00 PANEL DISCUSSION | Leveraging a Balanced Scorecard to
Deliver Retail Operational Excellence
• What should businesses strive for besides profitable growth?
• Path of Progression: What comes first?
• Revisiting Operational Excellence Procedures in Retail Banking
• Production Management – Satisfying Back Office and Front Office applications
• Significance of Continuous Process Improvement: How does it help?
• Delivering operational advantage through consumer transaction lifecycle
management
Featured Panelists:
Moderated By:
17:30 Closing Remarks from the Chair
17:40 End of Day 2
Day 2: 11th
July 2012

8:50 Welcome Note from the Chair
PAYMENTS & RETAIL PRODUCTS IN AFRICA
9:00 Growing the Retail Assets Business
Amongst all products in the retail portfolio, the profitability
contribution from retail assets is significantly the highest. Still
many banks had recorded a significant number of bad loans during
the financial crisis. The ones who haven’t still have a competitive
edge. This presentation will take you through a cautious manner of
growing the retail assets business:-
• Clean up of Loan Portfolio
• Liquidity Management in Secured & Unsecured Assets
• Consumer Credit Risk
• Case Study
Dotun Adeniyi, Skye Bank Plc
Executive Director | Enterprise Risk Management
9:30 Mobile Remittances – Case Study of IMPS
• Global Remittance Landscape
• Mobile Payment Revolution
• Geographical Distribution
• Indian Mobile Payment Market
• Interbank Mobile Payments System – IMPS
• Case Study and Key Take-away
Ram Rastogi, National Payments Corporation of India (NPCI)
10:00 Interoperability between MobileMoney Schemes
The beneficial network effect of open loop payment schemes and how to
achieve this...
Senior Vice President: Central Europe, Africa and Middle East
10:30 Morning Coffee Break, Exhibition Viewing and
Networking
OPPORTUNITIES IN THE SME & MICROFINANCE
SECTOR OF AFRICA
11:00 Exploring New Frontiers to Grow the Microfinance
Business
• Mobile Services in Microfinance: Products, Services and
Technology
• The Unbanked Market – What more can Microfinance offer?
• Innovation in Microfinance
• Risks and Barriers to Innovation
• Shifting the Microfinance Customer to SME or Retail Banking
• Case Studies, Best Practices and Key take-away
11:30 Islamic Retail Banking: Changing the Consumer
Lending Business Models
• The importance of Islamic banking to revitalise consumer
confidence
• Islamic banking has the capacity to reach out to 70-80%
unbanked in Africa
• Asset-backed nature of Shariah Banking has more resilience
• Islamic Banking model focuses on real assets, not on speculation
• More risk taking and credit accessibility to the poor
communities
• Reliance on Shariah as the unique value proposition is fast
eroding
• Tangible customer benefits v/s Shariah compliance- based
differentiation
• Improvement of product development cycles, marketing
communication, operational excellence and distribution system
Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd
12:00 Prospects for SME Growth in Africa
Banks need to think out of the box to boost entrepreneurship
in the region rather than closing a sales deal for an SME credit
loan. Business Banking in Africa have to change their approach in
developing the region’s SME sector overall. This presentation will
feature:-
• SMEs in Africa – The Market Size & Trends
• Driving Innovation & New Ideas to Improve the SME Sector
• Successful SME Banking Model – Become Business Partners not
just a Financial Provider
• Maintaining Risk in SME Credit Loans
• SME Banking – Story
• Knowledge Sharing Exercises to Develop a successful SME
Business: Start-ups and Expansion
Managing Director
12:30 PANEL DISCUSSION | Growth Opportunities within the
Next Generation Payment Systems
• New platforms, new players, new challenges
• Expanding Battlefield: Trends in Mobile and Online Payments
• Exploring the future payment landscape
• Payment innovations: From new products to disruptive /
paradigm shifting propositions
• Providing different customers with seamless access to their
preferred transaction medium
• Loyalty Strategies to grow the Card & Payments Business
• Re-aligning Business Models to meet local and international
Payment Gateway challenges
• Capitalizing on eCommerce to Boost New Payment Business
Growth
• Fostering growth in the Remittances, Worker Remittances and
Mobile Remittances business Africa-wide
Featured Panelists:
Haitham Abdou, ITS
Moderated By:
13:00 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, Conference Production Specialist
fahd.ali@fleminggulf.com
Day 3: 12th
July 2012

Mohamed has been in the banking world for over twenty years, most of this
time spent in executive roles within the Nedbank Group and more recently
at UBANK. He is passionate 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 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 been instrumental
in finding relevant, sustainable and economically viable solutions whilst remaining socially
responsible and developmentally conscious within the various organisations he has served
and the broader socio-economic and political environment he has operated in.
Tineyi Mawocha, Standard Bank Swaziland
Managing Director
Tineyi Mawocha, is Managing Director at Standard Bank Swaziland
Limited. He holds an HND in Hotel & Catering Management from Bulawayo
Polytechnic, an MBA from University of Zimbabwe and a Masters in
Development Finance (cum-laude) from University of Stellenbosch. He has
over 6 years experience in international hospitality management. In 1995, he was appointed
Managing Director of Nando’s Zimbabwe. He was later promoted to Regional Developments
Director for Innscor Africa. Tineyi started fast food retail operations in Zambia, Mozambique,
Kenya, Uganda and Tanzania. He joined Standard Bank in 2001 as Area Business Manager
and was promoted to Director Branch Network in 2002. In December 2005, he was
transferred and promoted to Swaziland. Tineyi was Chairman of SADC Banking Association
from 2009 till early 2012 and is the current President of the Federation of Swaziland
Employers & Chamber of Commerce.
Sanjeev Anand, Banque Commerciale du Rwanda Ltd
Managing Director
Sanjeev Anand was appointed as Managing Director of BCR in May, 2009.
Prior to joining BCR, he was employed as an international staff with Citibank
where he worked in various businesses globally and held a number of CEO
and other senior appointments with Citibank across Asia, Africa and Europe.
In all he has over 25 years of experience in corporate, investment and retail banking. During
his career, Sanjeev has been associated with several landmark transactions in sectors such
as oil, gas, telecommunications, power, consumer, food products and airlines in different
countries. He provided leadership in pioneering the introduction of electronic payment system
systems, SME financing programs, entrepreneur development facilities and other important
financial initiatives. He was engaged in the formation of Lusaka and Uganda Stock exchanges
and the Capital Markets Authority in Uganda as well as legislative enactments such as
mortgage law, listing guidelines, commercial paper guidelines. He was a member of the BASEL
task force in Poland. Sanjeev has worked along with governments, private and public sector,
DFI’s and multilateral agencies on handling sovereign debt issues, infrastructure financing
and other development initiatives in Africa. He is currently the Chairman of Rwanda Leasing
Association, deputy Chairman of Rwanda Bankers Association and a member of the Steering
Committee for East Africa Association Monetary Union. He is also the Rwanda Chairman of
East Africa Association. Under his leadership, the Bank has won The Global Finance award
for two successive years. Sanjeev holds a First Class Honors degree in Commerce from Delhi
University and is a Chartered Accountant from the Institute of Chartered Accountants of
India.
Petrus Hendrik (Hennie) Ferreira is the Chief Executive Officer for
MicroFinance South Africa. He is a seasoned microfinance specialist in the
region. A sociologist from the University of Stellenbosch, Hennie studied
microfinance from Colarado and Harvard Business School in the US. Hennie
has held various senior positions on the:-
• Banking Sector Education & Training Authority (BANKSETA)
• National Debt Mediation Association (NDMA)
• Debt Review Advisory Committee (DRAC)
• Payment System Stakeholder Forum for Early Debit Orders (PSSF)
• National Payment System Strategy Body (NPSSB)
• National Credit Industry Steering Committee (NISC)
• Voluntary Debt Mediation Service Project (VDMS)
Hennie is a South African and was raised in Port Elizabeth.
Brian Richardson, WIZZIT
Founder 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 un 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.
Sonny Zulu, Standard Chartered Bank Zambia Plc
Head of Consumer Banking
Sonny is the Head of the Consumer Banking Business for Standard Chartered
Bank in Zambia. Most recently he was the General Manager in charge of
Distribution and Alternate Channels for the Bank in Southern Africa covering
Botswana, Zambia and Zimbabwe. Sonny joined Standard Chartered Bank
in 2003 in the Consumer Banking business and in 2004, he moved to Corporate Affairs in an
acting capacity until he was later appointed as country Head of Corporate Affairs in 2005.
In 2007, he moved back into the main business stream as country General Manager for all
Distribution channels until 2011 when he was appointed General Manager for Southern
Africa in charge of Distribution and Alternate Channels. As Head of Consumer Banking, Sonny
is responsible for managing the Bank’s retail banking business with responsibilities over both
the personal banking business and the Small and Medium Enterprises (SMEs). He has wide
experience and knowledge in managing Distribution Channels which include Branch Banking,
Online Banking, Mobile Banking, ATMs and Contact Centres. Sonny holds an MBA from
Manchester Business School and he also has a degree in Metallurgy from the University of
Zambia. He is married to Ngosa and he has two sons – Joshua and Josiah. Outside the work
arena, Sonny enjoys travelling, space science, natural history and following latest natural
and science discoveries.
Yolande van Wyk is the CEO for eWallet Solutions at FNB. Yolande and her
highly skilled and dedicated team are responsible for the development of
innovative alternative banking solutions such as FNB’s eWallet business.
Yolande joined FNB in 2004 and was part of the original Cellphone
Banking team that revolutionised mobile banking in South Africa. Her roles included
Product Development, Strategic Projects as well as the role-out of mobile banking in FNB’s
African subsidiaries In 2009 the FNB eWallet Solutions team was created with Yolande at
the helm. Yolande’s active interest in mobile telecoms and technology has enabled her to
develop various innovative mobile financial products, three of which have won the coveted
annual FNB Innovators competition. As a qualified Industrial Engineer, Yolande has worked
in consulting, mobile telecoms, software development and now mobile money. She has also
completed her Masters in Business Administration at UCT at the Graduate School of Business.
Yolande is a dynamic, fun, loving and caring individual who has worked in various interesting
markets such as Nigeria, Zambia and India. Yolande is a leading expert in mobile financial
services and financial inclusion. With her extensive experience she is a regular speaker at
innovation and banking conferences around the world. Yolande is a prime example of a
Biographies – Speakers & Guest Panelists
Gautam Vir
State Bank of Mauritius, Mauritius
Group Chief Executive Officer
Guy Pearce
The Global Banking Board, Canada
Emad El Sahhar
Banque Misr, Egypt
General Manager – Islamic Banking Sector
Ashish Bhugra
Citibank NA, Egypt
Nabeel Malik
First City Monument Bank Plc, Nigeria
Mohamed Saloojee
Consumer Finance Specialist, South Africa
The advisory council will aid in the quest for providing high quality education on the most significant topics to ever impact Africa’s retail banking sector.
THE ADVISORY COUNCIL

woman in IT and Financial Services that has become a leading thinker on mobile technologies
and mobile banking who truly embraces the world of change and bridging the gap between
ICT and Business
Ashish joined Citi in 1990 & has acquired diverse experience in Wealth
Management, Branch Operations, Marketing & Business Management
during the last 21 years in the company. He started his career in Calcutta
and has thereafter managed several challenging assignments in Mumbai,
Saudi Arabia, Bahrain, UAE & Egypt. After successfully managing the NRI Business in Middle
East (UAE, Bahrain, Kuwait, Qatar & Saudi) for 8 years, Ashish was appointed as the Country
Business Manager for Citibank in Bahrain in 2004. He excelled in this assignment having a
delivered an annual growth of 25% for 6 years, thereby making a strong mark for himself
& for Citi in Bahrain. Ashish launched several new products including the online banking
platform. Citibank Bahrain 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. In recognition of his contributions
to the retail banking space in Bahrain, the Bankers Society of Bahrain nominated Ashish as
the Chairman of its Retail Banking committee. In this role he was actively engaged on behalf
of the Central Bank of Bahrain in designing & implementing the ‘code of best practices’
for all Retail Banks. In 2009, Ashish moved to Cairo as the Country Business Manager of
Citi’s Global Consumer Group in Egypt. Citi is one of Egypt’s leading banks with over 700
employees and has been running its consumer business since 1999. It offers the full range
of banking products & services with market leadership positions in Cards, Loans & Global
Wealth Management. Citibank Egypt received the Best Internet Bank award by Global
Finance in 2009, 2010 & 2011. Ashish holds a double MBA degree from Birla Institute of
Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.
Brian Quarrie is the Executive Vice President for Sales and Client
Management, at Network International, where he holds responsibility for
all business development activities across the complete spectrum of the
organization’ extensive payment solutions. Brian has extensive international
IT, banking and payment systems experience having worked with many well established
financial and retail organizations within the Middle East, Europe, Asia, and Africa.
Ozkan ERENER, VeriPark
General Manager | VeriPark Gulf
Ozkan Erener is the president and a co-founder of VeriPark, a software
house specialised in delivering solutions for financial institutions. His area of
expertise is building delivery channels and integrating these channels with
the CRM and BPM architectures to achieve a unified process and 360 degree
view of a customer across all the customer touch points. He has been involved in building
channel strategy of numerous banks for the last ten years. Delivery channels coupled with
CRM and BPM capabilities are becoming preferred mediums for providing less costly and
more responsive customer service. These channels are also becoming preferred mediums for
increasing transaction fee revenues from the existing customer base and selling thousands of
new products to the existing customer base. Ozkan Erener is heading VeriPark since 1998 and
he is actively involved in designing software solutions for delivering the highlighted channel
strategy. He is born in 1970 in Turkey and received B.Sc degree in Electronics Engineering from
Bogazici University in Istanbul.
Bruce Nicholson is a Dynamics CRM Architect at Microsoft Consulting
Services South Africa. Bruce has 8 years experience implementing CRM
technologies and was also the first Microsoft Valued Professional for CRM in
South Africa. Bruce has implemented CRM across the majority of industries
with strong experience in retail banking, specifically in Customer Care as well and Customer
Data Management. Bruce’s experience in aligning the organization’s Channel and Customer
Relationship Management strategy with technology along with emerging trends and new
channels such as Social CRM provides valuable lessons for those on similar journeys.
Nabeel is the Executive Director in charge of Retail banking at First City
Monument Bank Plc. (FCMB), Nigeria. He joined FCMB in January 2009
from Mashreq, Dubai, where he was Senior Vice President responsible
for business development and strategy for international markets, overall
governance of existing businesses and retail expansion internationally. He was also Chief
Marketing Officer while at Mashreq. Prior to these appointments, he was with Citibank,
where his posts included Regional Marketing Director for CitiGold (Europe, Middle East and
Africa) and Regional Head of Consumer Banking for the Gulf and Pakistan. Nabeel has
also worked with ABN AMRO as country manager of retail banking in Greece, Taiwan and
Pakistan. Nabeel holds a Bachelor’s degree from Princeton University and a Master’s degree
from the Yale School of Management.
Business Development Manager: Southern Asia, Middle East
and Africa
Kevin is the Regional Business Development Manager of FEXCO based in
Dubai responsible for The Middle East, Africa and Southern Asia, promoting
FEXCO’s Tourism Related Financial Services –especially Dynamic Currency
Conversion (DCC). His prior experience include being Director of Strategy at Raseen Mobile
Technologies in Abu Dhabi where his role was to provide payment solutions that leverage the
convergence between telecoms, banking and emerging digital life-styles. He has also been
the Regional Director for EuroCommerce in Dublin, Ireland (Now a DataCash/MasterCard
Company). Card Not Present payment and risk solutions for e-commerce focusing on the
airline and travel industry. He was Partner and Founder of Global Health Services in Boston
USA where the business was into Telemedicine and Global Patient Advocacy Services. He has
also remained a Founder and Managing Director of Mercuri International (M.E.) Dubai – UAE.
A Franchisee of Europe’s leading sales and management training consultancy
Chantel has been consulting to businesses in the Sanlam Group on Customer
Experience differentiation for the last 5 years. She led a Customer Experience
program that included the design of a voice of the customer program, design
of experiences across the customer life cycle and awareness and training
of over a 1000 people. This program delivered great results in terms of Net promoter score
improvement, reduction in complaints and increase in qualified leads. She holds a B.Sc degree
in Mathematics and Business Economics. She is a speaker at various international Customer
Experience conferences as well as a guest lecturer at the University Stellenbosch Business
School. She is the founder and chairwomen of BrandLove, a non-profit customer experience
networking group that promotes customer experience skills development and knowledge
sharing across industries.
Gustav is a B.Com graduate and qualified via CiMA (ACMA UK) in 1995.
He joined Standard bank in 2011 to head the Electronic Payment initiatives
in Africa. His current portfolio includes: Card, Mobile, Remittance and
the related partnerships. Before that he spend 6 years with Blue Label to
initially consolidate the group’s field support teams into what became Activi Technology
Services. During 2007 to 2009 he was instrumental in the consolidation of the technology
and operational teams in Blue Label and early in 2010 became the Blue Label Distribution:
Chief Commercial Officer. His 20 years’ experience has been focused on solving business
problems by integrating strategy, technology, business processes and people interventions,
while retaining a strong operational focus. Before joining Blue Label he was the co-founder
of IQ Commerce, the CEO of Nashua Connect and a member of The IQ Business Group
International Exco. He started his career in the Anglo American Corporation, later joining
TOTAL, where he spent seven years in the petroleum industry.
Mr. Sandeep Sharma is a professional banker with over 16 years experience
with domain expertise in International, Domestic and Rural Banking,
along with knowledge of the Life Insurance Industry. He has worked with
institutions such as HDFC Bank, ICICI Bank and HDFC Standard Life
Insurance Company. He has extensive experience in the area of Consumer Banking, Sales,
Marketing, Operations & Service Delivery, Strategic Planning, Information Technology, Audit
& Controls, Training, Project Management, Innovations and Customer Service. Mr. Sandeep
holds a Bachelors Degree in Science with specialization in Electronics, and a Post Graduate
Diploma in Business Administration with dual specialization in Finance & Marketing. He
joined Fina Bank Rwanda in September 2011 as Head of Retail.
Cathy Rutivi, Consumer International, Africa
Cathy has a background in Finance and Policy studies and has worked in
financial management of corporate, regional and international development
organizations. She is currently with Consumers International working on
programmes and campaigns on various themes including financial services
and consumer rights protection issues. She has worked on a project on ‘strengthening
consumer protection for economic and social justice’ and currently on ‘consumer citizens as
drivers of pro poor development looking at consumer protection and legal empowerment of
the consumer in Southern Africa. She also coordinated a programme on Financial Capability
and Inclusion in East Africa through consumer education and protection delivery working with
economically disadvantaged consumers.
Haitham Abdou, ITS
Haitham Abdou has over 15 years of IT experience in the Banking and
Finance Industry. Expertise in IT Strategies for financial institutions based on
the latest service oriented architectures. Haitham has expertise in architecting
technology to meet the requirements of Islamic financial institutions. His

expertise lies in Bank Automation Projects, Branch Delivery, Core Replacements, Islamic
Financing, AML, Electronic Banking and Payment Systems.
Andrea Prazakova, BancABC | African Banking
Corporation
Andrea Prazakova is a seasoned banker with over 20 years of experience
in the field of retail banking across Europe and Africa. She has held various
senior management roles in these regions. Andrea is the Group Head for
Retail and SME Banking for BancABC that is the African Banking Corporation based out
Johannesburg in South Africa. In the current position, Andrea is responsible for the design, roll
out and management of the Retail strategy in Zimbabwe, Zambia, Mozambique, Tanzania
and Botswana. Her responsibility covers Strategy development and management, Sales
and Channels management, CRM implementation and management, Issuing & Acquiring,
Retail Product development and management, Segment management, Retail controlling and
financial management, Service Quality. Having worked in senior management level across
14 countries in Central and Eastern Europe, Austria, and South Africa, Andrea has extensive
experience in the following areas:
• Project Management
• Business Development
• Sales Management
• Product Development / Management
• Training
• Channel Management
• CRM and Operational Marketing such as branding, campaign management and
merchandising
Based in South Africa, Andrea has worked in Nigeria, Kenya, Mozambique, Burkina Faso, and
Malawi. Andrea has various achievements to her name such as developing a retail banking
strategy and implementation of a full retail bank in Zimbabwe, Zambia, Mozambique,
Tanzania and Botswana. Prior to BancABC, Andrea has worked for RZB, Erste Bank, UniCredit
Group, and IFC.
Marc is a strategic marketer with a passion for relevancy, marketing
innovation and business collaboration. Marc has worked in marketing for
over 16 years of which the last 7 years have been focused on the financial
services industry. Marc has worked on both sides of the advertising/
marketing industry as an advertising agency account executive with Publicis and Lesoba
Difference, as the Financial Services Marketing Manager for Edgars and more recently the
Marketing Executive at Maravedi (Pty) Ltd. Marc’s most recent business experience has been
in the area of change management and marketing that affects the customer experience.
Ica currently holds the position of Chief Customer Officer (CCO) at Sun
International after having joined the group in 2006. She is responsible for
driving the group’s Customer Management (CM) strategy which consists
of 8 strategic group projects. She holds a Master of Commerce (M.Com)
degree in Marketing and has 20 years of experience across a wide business spectrum. In the
past few years, she has been responsible for a massive staff service engagement program
across all 27 of Sun International’s properties to engage 21,000 staff members, she designed
and implemented their customer service experiences standards across the various Hotel and
Casino Touch Points and championed their large scale CRM technology implementation to
enable 2,500 frontline with relevant customer information in a single view of a customer
across the group.
Head of Digital Marketing and Media: FNB Brand
Management
Lana Strydom currently holds the position of Head of Digital Marketing and
Media in the Brand Management unit at First National Bank, a subsidiary
of First Rand Bank. Listed on the Johannesburg Stock Exchange, First Rand
Limited is one of South Africa’s largest financial institutions with R790.8bn assets under
management. FNB is wholly owned subsidiary of First Rand Bank and services more than
8 million customers in South Africa. In her position at FNB she is responsible for campaign
development, display media, sponsored media, search engine marketing, online reputation
management and all FNB social media channels, on both strategic and operational
levels. Lana has more than 15 years experience in a wide range of digital disciplines and
was previously employed by Absa as Channel Manager Mobile Portals responsible for the
management of Absa’s mobile presence and by MTN SA as Senior Manager Portals and
Interactive, responsible for the MTN Loaded mobile portal, MTN Internet and touch screen
network. Earlier in her career, she founded and managed a through-the-line advertising
agency and spent some time with technology company Paracon Holdings, as Divisional
Manager for Business Solutions.
Lincoln has 15 years in the industry and joined Standard Bank 10 years
ago. He is responsible for Physical Channels (Branches, Business and Private
Banking Suites), Direct Channels (Customer Contact (Call) Centres, ATMs,
Internet Banking, and Mobile/Cellphone Banking), Alternative Channels
(Access Points, Loan Centres, Sales staff on variable pay), and all remaining sales forces
including Financial Planners. Over the last four years he has lead the 14000-plus staff
complement along a unique, extremely ambitious ‘Channel Convenience journey’ which
aims to integrate the myriad of channels and make banking a ‘seamless’, even enjoyable,
experience. The journey involves huge challenges, changes and exciting developments for
people, processes and systems. His main focus is on driving Sales, Customer Experience,
People Management, and Leadership. He holds a BA, LLB and an MBA and has various other
academic qualifications. Lincoln is married to Sva and they have three children.
Roy Akalah is the Director for KCB’s Back Office and Customer Services
division. He joined the bank in December 2009 as Head Shared Services
Centre after having worked for 12 years at Standard Chartered Bank
(Kenya) serving in various capacities as an Audit Manager, Head of Support
and Compliance and the Head of Consumer Banking Operations within the Shared Services
Centre. He has a Bachelor of Science Degree from Pune University India and a Post Graduate
Diploma in Computer Science from Nairobi University School of informatics and computer
science. He holds a Certified Information’s Systems Auditor (CISA) certification and is the
current President of ISACA Kenya chapter. He was previously the Head of the Shared Service
Centre KCB Group.
Leoni first ventured into the financial services industry by means of actuarial
studies, working at Hollard Life. It was there, by being part of establishing
Hollard Direct Solutions that Leone was exposed to IT and developed a
love for ICT. Leone moved to the UK where she pursued this passion and
formalised training in this discipline. Upon completion of her studies Leone started a business
very much focused on internet technologies and strategies, developing micro-sites for big
name companies such as Shell and Coca-Cola. After 8 years in the UK, Leone returned to
South Africa where she focused on consulting engagements mostly pertaining to Business
Process Optimisation and related IT implementations across the telecoms, banking and retail
and financial industry sectors. Leone was asked to join the JD Group as an IT executive and
finally got the position of CIO for the New Business Division of JDG where the focus was on
innovative banking practices and payment methods.
Dotun Adeniyi, Skye Bank Plc
Executive Director | Enterprise Risk Management
Dotun Adeniyi is an Executive Director and is currently Chief Risk Officer at
Skye Bank. He has over 25 years banking experience, spanning Corporate,
Commercial and Retail Banking. Prior to his appointment as Chief Risk
Officer in 2010, Dotun was Executive Director in charge of Retail banking,
where he led several initiatives and played a pivotal role in the bank’s retail strategy. Dotun
also sits on the board of Skye Bank Gambia as well as a Discount House and an Insurance
Company in Nigeria. He holds a Bsc and MBA degree and is an Alumnus of INSEAD and the
London Business School.
Mr Ram Rastogi, Head -Mobile Payments and Financial Inclusion in National Payments
Corporation of India (NPCI) www.npci.org since August 2010. He is driving next generation,
24*7 real-time, remittance service - Interbank Mobile Payment Service. NPCI has been set up
by banks in India under the aegis of Indian Banks’ Association, and support and guidance of
Reserve Bank of India to provide central infrastructure for various retail payment systems in
the country including card payments. Mr Rastogi is having more than three decade’s hand-
on experience in the areas of banking and emerging banking technologies in State Bank
of India, one of the largest bank in Asia. He was also closely associated with State Bank’s
strategies in the area of design and implementation of Payment systems - ATM Deployment,
Debit cards, Prepaid cards, Merchant Acquiring Business and Mobile Banking Service “State
Bank Freedom”.
Reg brings many successful years of executive and technology experience to
Fundamo. He heads up the Central Europe, Middle East and Africa Region
overseeing strategy and execution. Over the past 7 years he has been
instrumental in the deployment of over 22 mobile financial service projects.
Some of these cutting edge projects have been the foundation of the industry as we see it
today. Reg holds an Honors degree in Business Science from the University of Cape Town as
well as a post-graduate diploma from Harvard Business School.

Chief Operating Officer | CEO – The Mauritius Leasing
Company Ltd
Mr Ashraf Esmael, 44 is the Chief Operating Officer with Bramer Bank and
at the same time he is the Chief Executive Officer of The Mauritius Leasing
Company Limited, the pioneer leasing company in Mauritius since 1987and
the only Asset Finance Company listed on the Stock Exchange of Mauritius. Mauritius
Leasing is part of the British American Investment Group, one of the largest conglomerates in
Mauritius with investments in Banking, Asset Management and Insurance amongst others.
During his tenure with Mauritius Leasing, 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, floor plan financing and Micro 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, the Central Bank in Mauritius and Global Conferences in
the African and EMEA region on topics such as Broadening Access to Financial Services and
Islamic Finance & Capital Markets. Mr Esmael is an experienced and strategically minded
business person with proven capabilities in leadership and innovation. He holds qualifications
in Management Accountancy and Information Technology including a Master in Business
Administration from the Surrey European Management School. He is married with 2 children.
Managing Director
ADRIAN HARRIS (B Comm. BTech. ABP MBA) is a seasoned financial
services strategist and business advisor and entrepreneur, specialising in
micro financial and inclusive banking solutions primarily in enterprise and
housing solutions. He is a non-executive Director of Charter Consulting,
a company specializing in strategic financial services solutions for the emerging market.
Charter has consulted on microfinance solutions in South Africa, Ghana, Sierra Leone and
Botswana. Adrian is a valued advisor and consultant to board members, investors, and
top-tier executives. He has been appointed as MD of Marang Financial Services, a leading
micro finance company focussed on women in rural economies in South Africa; to effect a
turnaround of the organisation. As CEO of Xiriuz Systems (a proprietary software solution for
the banking sector), he led the development of the company in both local and internationally
markets. The company expanded with customers in Switzerland, Belgium before it was
sold. He also led Invest again; a residential property development company which has been
recognised as a leader in inner city rejuvenation. Previous executive positions include Vice-
President of Channel Life Ltd (Sanlam) where was responsible for the micro insurance division
and Director of Cash Bank Ltd, a specialist housing bank for low income consumers. At
Standard Bank he was the Director of Emerging Markets and was responsible for the strategy
and operations of the micro lending and emerging business divisions.
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
Premium Silver Sponsor: VERiPARK
VeriPark is a software house specialized in
providing multichannel delivery and
CRM solutions to financial institutions.
The company employs 130 staff and it is
headquartered in Istanbul and has branch offices in Dubai and Cairo. The company has
specializations in the following areas:
• CRM implementations for retail and corporate banking which covers new customer
enrolment, 360 single view, contact center and branch automation.
• Internet banking, call center, kiosk and mobile banking applications including iPhone and
iPad
VeriPark is a Microsoft Gold Partner and received the “2010 Dynamics Partner of the Year
Award” in the world for Financial Services Industry. VeriPark’s major customers are Akbank,
ING Bank Turkey, Mashreq Bank UAE, İs Bankasi, Denizbank and DubaiBank.
Premium Silver Sponsor: Microsoft
Microsoft South Africa is a subsidiary of the world’s
largest independent software and services
provider, and focuses on providing devices,
services and solutions that help government, people and businesses realize their full potential
through technology. A proudly South African company with a Level 2 BBBEE rating, Microsoft
SA has been recognized globally as a high-performance region. The company’s long-term
sustainability is based on the contribution it makes to the local economy, both through its
7000-strong partner ecosystem and its broad array of citizenship activities - for which it
received the Best Corporate Social Responsibility award at the 2011 African Business Awards.
Associate Sponsor: Network International
Network International (NI) a leading payment
processor, provides innovative products and
services for governments, financial institutions,
large and small businesses, and vertical sectors.
More than 60 institutions put their trust in NI and benefit from a state-of-the-art electronic
payment platform. Our main focus is to provide a one-stop-shop solution through sets of
products and services ranging from conventional solutions to the latest most sophisticated
electronic payment solutions. We believe in the security and comfort that electronic payment
means have to offer, and we are therefore, dedicated to providing our customers with all the
ingredients to build strong, long lasting, and profitable customer relationships. Our ready-to-
deploy solutions are key to reducing the time to market for our customers enabling them to
innovate and seize market opportunities. Network International is a Principal Member of
MasterCard Worldwide and VISA inc., offering its customers the most comprehensive range of
payment products and services in the MEA region. Offerings include credit and debit card
hosting, transaction processing services, Card production, ATM management and monitoring,
Card acceptance and Authorization, Point of Sale (POS) terminals and connectivity, Merchant
Settlement and Chargeback Services.
Supporting Sponsor: FEXCO Merchant Services
EstablishedinIrelandin1981FEXCOisan
internationally focused organisation,
employing over 1650 people across its
operations in Europe, the Americas, the
Middle East and Asia Pacific. FEXCO introduced the world’s first Dynamic Currency Conversion
(DCC) service in 1996 and today lead the market, providing solutions to over 45,000
merchants together with over 30 multi currency enabled acquiring banks worldwide. For
more information about FEXCO and our products, please visit www.fexcoms.com.
Conference Sponsor: KESDEE
KESDEE is the world’s largest financial e-learning
company. KESDEE’s off-the-shelf catalogue consists of 750
accredited e-learning courses on various topics in Banking,
Finance, Accounting, Insurance and Risk Management. In
addition, KESDEE offers ecoaches, the web-based tutorials
for Certification Exams in Risk Management and Financial Analysis. KESDEE’s e-learning
solutions are relevant for the providers of financial services, as well as for users, regulators,
advisors and educators of financial services.
KESDEE’s clients are from following verticals:-
1. Banking and Financial Services Industry (BFSI)
2. Regulators of Financial Services
3. Large Corporations
4. Small and Medium Enterprises
5. Consultancy Firms
6. Technology Companies
7. Educational Institutions
8. Professionals Associations
KESDEE’s e-Learning courses are available both in English & Spanish.
For more information visit: www.kesdee.com or e-mail us at info@kesdee.com
SPONSORS PROFILE

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