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Nordic Card Markets and Future Payment Solutions

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SMi introduces its 15th Annual Nordic Card Market Conference. The Nordic Card Payments industry is an area which is currently undergoing major change. There are new regulatory demands coming from the EU, which is impacting the banks business revenue models in payments meaning banks need to be more creative to ensure their services are still economically viable. The importance of a good strategy has also never been more important as there has also been a large increase in new market players competing with the traditional banks. Finally, Fintech is an increasingly important area for Nordic Banks to keep pace with, as new technologies including wallets, E-Signature and mobile payments are becoming available effectively increasing competition. Questions that arise from this such as customer retention and keeping the banks place in the market will be discussed in depth at this well-established conference.

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Nordic Card Markets and Future Payment Solutions

  1. 1. Chairman: Key Speakers Include: Benefits of Attending: • Understand how to navigate the rapidly changing payment landscape • Discuss new forms of payment including E-Signature and Cloud Wallet • Discover the ways to tailor services to how your customers want to pay • Hear from the Nordic Banks leading the way in payment innovation PLUS TWO INTERACTIVE POST-CONFERENCE WORKSHOPS Wednesday 27th January 2016, Radisson Blu Royal Hotel, Copenhagen, Denmark A: The Future of Payments Workshop Leader: Robert Courtneidge, Global Head of Cards & Payments, Locke Lord LLP 8.30am - 4.00pm B: Payments Future: What next for Cards & POS? Workshop Leader: Luke Purser, Principle Consultant, PSE Consulting 8.30am - 12.30pm Francesco Burelli, Partner, Innovalue Management Advisors • Wiebe Ruttenberg, Head of Market Integration Division, Directorate General Market Infrastructure & Payments, European Central Bank • Peter Dalsgaard, First Vice President, Card Systems, Group IT, Danske Bank • Jukka Salonen, COO, Nordea • Thomas Glimstedt, Head of Payments, Länsförsäkringar Bank • Jes Rasmussen, Senior Advisor, Business Development, Eurocard AB • Henrik Bergman, Senior Manager Market Infrastructure, Transaction Banking, SEB SMi presents the 15th annual conference… 25th - 26th JAN 2016Radisson Blu Royal Hotel, Copenhagen, Denmark Nordic Card Markets and Future Payment Solutions www.nordiccardevent.co.uk Register online or fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711 ACADEMIC & GROUPS DISCOUNTS AVAILABLE BOOK BY 30TH SEPTEMBER AND SAVE £400 • BOOK BY 30TH OCTOBER AND SAVE £200 • BOOK BY 30TH NOVEMBER AND SAVE £100 @SMiFinance #NordiccardSMi
  2. 2. Register online at: www.nordiccardevent.co.uk • Alternatively fax y Nordic Card Markets and Future Payment Solutions Day One I Monday 25th January 2016 www.nordicca 8.30 Registration & Coffee 9.00 Chairman’s Opening Remarks Francesco Burelli, Partner, Innovalue Management Advisors THE FUTURE IN REAL TIME PAYMENTS KEYNOTE ADDRESS: 9.10 The next frontier: Instant payments for Europe • The need for instant payments • The focus on pan-European instant payment solutions • The Euro Retail Payments Board driving payment innovation Wiebe Ruttenberg, Head of Market Integration Division, Directorate General Market Infrastructure & Payments, European Central Bank 9.50 Real time payment solutions and the effect on card payments • What are the impacts of real time payment solutions on the card market? • How consumers view this service • How can banks deal with the impact on the banking infrastructure? • Commercialising the process: how can this fit into the banking business model? David Rockliff, Head of Payments, Payments, Tesco Bank 10.30 Morning Coffee MARKET OVERVIEW AND ENSURING THAT BANKS REMAIN RELEVANT IN THE PAYMENT MARKET 10.50 Payments in Sweden - a look in the rear view mirror and into the future • The banking landscape in Sweden has changed significantly in the last decades • Internet is everywhere but traditional bank branches are hard to find • Is cash still king? • How will we pay in the future? Magnus Eneskär, Process Manager, Cards & Payments, Sparbanken Öresund 11.30 Understanding the market: Ensuring that banks aren’t out played • Are the new regulations, technology and rapidly changing payments landscape a threat or an opportunity to banks? • How to evolve alongside the new players in the payment sphere • The new skills required of banks: flexibility to rapidly emerging changes • The big question: are new entrants really a threat or can they be ignored? Henrik Bergman, Senior Manager Market Infrastructure, Transaction Banking, SEB 12.10 Networking Lunch 1.30 Evolving European payments landscape: opportunities and challenges for incumbents and newcomers • How will digitalisation affect the playing field in retail payment markets? • National payment solutions or pan-European solutions: agile implementation versus economies of scale • What role the incumbents (banks) can play in the future retail payment markets? • Will the newcomers from other industries conquer the whole market? Kari Kemppainen, Advisor, Financial Stability and Statistics, Bank of Finland ESSENTIAL INNOVATION IN KEEPING UP WITH THE PAYMENTS INDUSTRY 2.10 Commerce disrupters • Commerce disruptors: The five forces that will disrupt retail • Global, but local – increase of cross border transactions                               • Function and form of bricks and mortar retail is evolving - The role of stores will change as more purchases are carried out online • Smart Stores  - technology will disrupt retail in a big way                                       • Payments and digital wallets  – frictionless shopping                                          • What retailers need to do next Martin Ten Houten, Managing Director Nordics and Baltics, Visa Europe 2.50 Afternoon Tea 3.20 Customer experience: the biggest challenge for customer retention • What makes a superior customer experience? • Using technology to facilitate an outstanding experience • Allowing the customer distance: the e-signature • The core benefits to the e-signature and how it can be implemented Jes Rasmussen, Senior Advisor, Business Development, Eurocard AB 4.00 PANEL DISCUSSION: Who will be the winners and the losers in the fintech world? • With so many players; who are the ones to watch? • What do telecom companies offer to consumers that banks don’t? • What will be the deciding factors? • Making sure that your bank keeps on the winning side Francesco Burelli, Partner, Innovalue Management Advisors David Rockliff, Head of Payments, Payments, Tesco Bank Peter Dalsgaard, First Vice President, Card Systems, Group IT, Danske Bank Bob Ford, Industry Expert in the UK’s Payment Sector, Bob Ford Associates 4.40 Chairman’s Closing Remarks and Close of Day One
  3. 3. your registration to +44 (0)870 9090 712 or call +44 (0)870 9090 711 Nordic Card Markets and Future Payment Solutions Day Two I Tuesday 26th January 2016ardevent.co.uk 8.30 Registration & Coffee 9.00 Chairman’s Opening Remarks Francesco Burelli, Partner, Innovalue Management Advisors THE IMPACT OF REGULATION AND THE OPPORTUNITIES IT PRESENTS OPENING ADDRESS: 9.10 Business issues & opportunities of the PSD2 & EU MIF legislation • How can Nordic banks navigate the new world? • Ensuring that your bank is compliant • Using regulatory changes to your advantage Luke Purser, Principle Consultant, PSE Consulting 9.50 Protecting the bank’s interests in an interchange fee free world • How can banks source revenue without the help of the interchange fee – a few suggestions • Understanding how these changes will affect the banks long term • Using this as an opportunity for innovation Francesco Burelli, Partner, Innovalue Management Advisors 10.30 Morning Coffee 10.50 Deriving business benefit from regulatory oversight • Review major regulations • Determine business potential • Build the opportunities Bob Ford, Industry expert in the UK’s payment sector, Bob Ford Associates MOBILE PAYMENTS: AN OVERVIEW OF INNOVATION 11.30 The next step for mobile payments: preparing customers for mobile proximity payments • Understanding how consumers are using mobile payments • How can mobile payments be utilised as a stepping stone • Encouraging customers to adopt mobile payments for P2P, biller and retailer payments • Preparing for non-card NFP payments? Thomas Glimstedt, Head of Payments, Länsförsäkringar Bank 12.10 Networking Lunch 1.30 Forward thinking innovations in the online payment sphere • What are the important user trends that must inform payment thinking? • How online payments have developed and where we believe they are going. • Mobile Payments: Understanding what consumers really want • Making digital interfaces innovative yet simple • How the Nordic markets differs from other European areas Mårtin Barkman, Managing Director Scandinavia, PayPal INNOVATING TECHNOLOGIES TO PROGRESS THE BANKING PAYMENT INDUSTRY 2.10 Transforming banking business to the future – approach to technologies • How customers and regulators are driving the change • What simplification means as the tool for transformation • Which approach to use for data, payments and core banking platforms • What are future banking models? Jukka Salonen, COO, Nordea 2.50 Afternoon Tea 3.20 Designing the underlying infrastructure to deal with adaptability • What will the essential requirements for a financial institution’s infrastructure be in the future? • How can this be achieved in a cost-effective way? • In a rapidly changing market: how can adaptability be ensured? Peter Dalsgaard, First Vice President, Card Systems, Group IT, Danske Bank 4.00 Payment methods and future innovations: from a legal perspective • An overview of the players in the card & payment industry: how may roles evolve? • A look into virtual payment cards • Bitcoin and cryptocurrencies: is there any substance behind the hype? • Applications of bitcoin in the banking industry Robert Courtneidge, Global Head of Cards and Payments, Locke Lord LLP 4.40 Chairman’s Closing Remarks and Close of Day Two
  4. 4. Overview of workshop: This workshop has been designed to give attendees a detailed overview of the payments landscape looking at everything that is developing and what the future will look like. We take a look at how new products on the market are built up to understand how they work and their implications. Attendees will get an in depth understanding of how the industry fits together and who the important players are. In addition, participants will gain a peek behind the scenes at what is new and what is hot in payments. Why you should attend: This workshop will allow you an in depth understanding of the payments industry including a deep understanding of the current regulation and where they are going. This workshop will give you unparalleled understanding of new competitive players and products on the market from virtual cards to new acquiring models and from the regulated world of fiat currencies into the un/less regulated world of cryptocurrencies and the blockchain. About the workshop host: Robert Courtneidge is the Global Head of Cards and Payments at Locke Lord LLP. He is noted for his knowledge and experience in the e-money area, where he has acted on matters for major financial institutions around the world, as well as for internationally well-known technology providers. He has more than 20 years of experience in the cards and payment systems and is skilled in all aspects of consumer finance issues, including consumer protection, banking regulation and compliance and data protection. Mr. Courtneidge works closely with The Payments Council, HM Treasury and the Financial Services Association and other compliance and industry bodies to ensure compliance for his clients. He places special emphasis on working with high tech industries and products in the financial services industry, embracing new technological and legislative/regulatory developments. Many of his clients have new products, and he is able to guide them in the process of bringing them to the market.Mr. Courtneidge is named as one of the Top 10 Payments Lawyers by Paybefore in 2015, the key publication and information provider to the prepaid, mobile and emerging payments industry. He is the only non-North American based lawyer to be recognised and is honoured for his commitment to the progress of emerging payments and his passion for his work in the industry. He was also named Best Industry Contributor at The Prepaid Awards 2011, recognising his achievements and commitment to the industry. He is Chairman of the Prepaid International Forum. Mr. Courtneidge is a frequent spokesperson on current issues facing the European Payments’ Industry including the Payment Services Directive, SEPA, Third Money Laundering Directive and the second E-money Directive and regularly speaks worldwide on prepaid cards and its technology. About the Organisation: Locke Lord is a full-service, international law firm that ranks among The American Lawyer’s Top U.S law firms. Our team of approximately 1,000 lawyers has earned a solid reputation in complex litigation, regulatory and transactional work. We serve our client’s interets first and these clients range from Fortune 500 and middle market public and private companies to start-ups and emerging businesses. Through its wide-ranging international footprint, Locke Lord has recieved numerous industry recognitions as a global leader in the middle market sector. Overview of workshop: The objective of the workshop is to look at how card payments & the acceptance environment has evolved and what the landscape will look in the next few years across the Nordic region ultimately driven by changes in the regulatory environment. The session is split into two focusing first on the Card – Issuers/cardholder and secondly, the Acceptance environment – acquirers/merchants. The workshop will involve participants considering the changing environment of consumer payment habits and how it relates to the Nordic region. Why you should attend: • Anyone interested on how the regulatory environment will/is/may change the future payments landscape across the Nordic Region • The regulatory impact to both consumers/merchants – co-branding, honour all cards, card scheme licenses etc • Group activities discussing the future evolution of the card payment and acceptance environment across the Nordics About the workshop host: Luke Purser, Principal Consultant, is an acquiring specialist with over 25 years’ in banking, cards and acquiring. Of these, 20 years have been spent in the acquiring business with LloydsTSB, Citigroup Merchant Services and Elavon Financial Services. He has a thorough and detailed knowledge of all aspects of the acquiring business. Recent assignments have included: support for a large Nordic/Scandinavian multi- country bank card processing outsourcing strategy; developing an acquiring strategy for Russia’s second largest bank; conducting an acquiring RFP for an online currency dealing bank; a RFP for the EU’s second largest low cost airline; for the EU’s largest acquirer a study to optimize interchange processing; for EU’s second largets acquirer development of interchange optimisation (smart routing) designed to minimise interchange fees across their portfolio. About PSE Consulting: PSE Consulting (PSE) is a long established (23 years) payments consulting specialist, having completed over 800 assignments in 40 countries for 170 clients. We offer specialisations in acquiring, card processing, prepaid, e-commerce and mobile innovation. The Future of Payments Payments Future: What next for Cards & POS? Workshop Leader: Robert Courtneidge, Global Head of Cards & Payments, Locke Lord LLP Workshop Leader: Luke Purser, Principle Consultant, PSE Consulting FULL DAY POST CONFERENCE WORKSHOP A Wednesday 27th January 2016 I 8.30am – 4.00pm I Radisson Blu Royal Hotel, Copenhagen, Denmark HALF DAY POST CONFERENCE WORKSHOP B Wednesday 27th January 2016 I 8.30am - 12.30pm I Radisson Blu Royal Hotel, Copenhagen, Denmark Programme: 8.30 Registration & Coffee 9.00 Opening remarks and introductions 9.10 Explanation of the major stakeholders, providers and participants in the Cards & payments industry 9.50 Virtual payment cards (single use) e.g. known as Single use ghost accounts and VANS (Virtual Account Numbers) 10.30 Morning Coffee 11.00 The middle men in merchant acquring ISO’s/ payment facilitators/ master merchants 11.40 Agents and distributers of payment service providers 12.30 Networking Lunch 1.30 Tokenisation of payment instruments - “all cards in “1” e-wallets” 2.10 Bitcoin and cryptocurrencies 2.50 What have we learned? (Roundup) 3.20 The future of payments 4.00 Closing Remarks Programme: 8.30 Registration 9.00 Opening remarks and introductions 9.10 Session 1 – Card payments – briefing • How will card payments evolve in the coming years based on the new regulatory environment? Will the plastic card survive? A fun look at how card payments have evolved. • What impact will alternative payments and multiple brands have on consumer behaviour? • How will consumer choice drive the future payments strategy? 9.50 Session 2 – Card payments – group exercise • The group will be asked to work in teams to consider how the Nordic payments environment will evolve from a consumer perspective when considering the regulatory changes? • Each group will be required to present (up to 5 mins) their views on future developments in payments within the Nordic Region. 10.30 Coffee 11.00 Session 3 – Acceptance environment – regulatory challenge • How will the acceptance environment evolve in the coming years based on new regulation? Will the POS device survive? Evolution of acceptance devices. • What impact will alternative payments have on acceptance? • What challenges are posed by the new EU legislation - merchant steering, removal of honour all cards, alternative payments, payment guarantees etc 11.40 Session 4 – Acceptance environment – group exercise • The group will be asked to work in teams to consider how the Nordic payments environment will evolve from an acceptance perspective when considering the regulatory changes? • Each group will be required to present (up to 5 mins) their views on future developments in payments within the Nordic Region. 12.20 Closing Remarks 12.30 End of Workshop www.nordiccardevent.co.uk
  5. 5. SPONSORSHIP AND EXHIBITION OPPORTUNITIES SMi offer sponsorship, exhibition, advertising and branding packages, uniquely tailored to complement your company’s marketing strategy. Prime networking opportunities exist to entertain, enhance and expand your client base within the context of an independent discussion specific to your industry. Should you wish to join the increasing number of companies benefiting from sponsoring our conferences please call: Alia Malick, Director on+44 (0) 20 7827 6168 or email: amalick@smi-online.co.uk Want to know how you can get involved? Interested in promoting your services to this market? Contact Ina Luft, SMi Marketing on +44 (0) 207 827 6732, or email: iluft@smi-online.co.uk Supported by Nordic Card Markets and Future Payment Solutions www.nordiccardevent.co.uk Audience Profile: The participants of the Nordic Card Market and Future Payment Solutions Conference will be the most senior decision makers and influences responsible for the technological and strategic developments within the card payment industry. Banks that are focusing on progression and modernisation of their card payment service industry will meet to discuss the major challenges they are facing and to foster industry discussion and communication aimed at overcoming these. If this is a market that you would be interested in meeting and doing business with, don’t miss an opportunity to meet and network with high-level decision makers who are shaping the future of Nordic banking. The audience will include: but not be limited to: • COO • Vice presidents • Executive Director, Nordics and Baltics • Head of Payments • Head of Development • Head of Digital Strategy • Head of Digital Channels Benefits of Sponsoring Nordic Card Market and Future Payment Solutions 2016 1. Launch new products or services at the Nordic Card Market and Future Payment Solutions Conference 2. Educate the market on your company’s capability and make the business case for how they can solve your potential customers challenges and requirements 3. Build your brand so your solutions are front of mind when your respective customers are putting potential solution providers on their short list 4. Meet and network with active buyers while there is still a chance to influence their purchasing decisions 5. Generate new leads through meeting new prospects from a variety of new countries and programmes Which Countries the 2015 Attendees came from: Industry Sector that 2015 Attendees Came From: Scandinavia: 65.4% Banks: 46% Other: 8% Academics and Media: 4% Consultants: 4% Associations: 10% Solutions Providers: 28% Rest of World: 3.8% Baltics: 11.5% Northern Europe: 19.2%
  6. 6. FAX your booking form to +44 (0) 870 9090 712 PHONE on +44 (0) 870 9090 711 POST your booking form to: Events Team, SMi Group Ltd, 2nd Floor South, Harling House, 47-51 Great Suffolk Street, London, SE1 0BS, UK If you have any further queries please call the Events Team on tel +44 (0) 870 9090 711 or you can email them at events@smi-online.co.uk NORDIC CARD MARKETS AND FUTURE PAYMENT SOLUTIONS Conference: Monday 25th January 2016 - Tuesday 26th January 2016, Radisson Blu Royal Hotel, Copenhagen, Denmark I Workshops: Wednesday 27th January 2016 4 WAYS TO REGISTER ONLINE www.nordiccardevent.co.uk Payment: If payment is not made at the time of booking, then an invoice will be issued and must be paid immediately and prior to the start of the event. If payment has not been received then credit card details will be requested and payment taken before entry to the event. Bookings within 7 days of event require payment on booking. Access to the Document Portal will not be given until payment has been received. Substitutions/Name Changes: If you are unable to attend you may nominate, in writing, another delegate to take your place at any time prior to the start of the event. Two or more delegates may not ‘share’ a place at an event. Please make separate bookings for each delegate. Cancellation: If you wish to cancel your attendance at an event and you are unable to send a substitute, then we will refund/credit 50% of the due fee less a £50 administration charge, providing that cancellation is made in writing and received at least 28 days prior to the start of the event. Regretfully cancellation after this time cannot be accepted. We will however provide the conferences documentation via the Document Portal to any delegate who has paid but is unable to attend for any reason. Due to the interactive nature of the Briefings we are not normally able to provide documentation in these circumstances. We cannot accept cancellations of orders placed for Documentation or the Document Portal as these are reproduced specifically to order. If we have to cancel the event for any reason, then we will make a full refund immediately, but disclaim any further liability. Alterations: It may become necessary for us to make alterations to the content, speakers, timing, venue or date of the event compared to the advertised programme. Data Protection: The SMi Group gathers personal data in accordance with the UK Data Protection Act 1998 and we may use this to contact you by telephone, fax, post or email to tell you about other products and services. Unless you tick here □ we may also share your data with third parties offering complementary products or services. If you have any queries or want to update any of the data that we hold then please contact our Database Manager databasemanager@smi- online.co.ukorvisitourwebsitewww.smi-online.co.uk/updatesquotingtheURNasdetailedabove your address on the attached letter. Unique Reference Number Our Reference F-026 Terms and Conditions of Booking DELEGATE DETAILS Please complete fully and clearly in capital letters. Please photocopy for additional delegates. Title: Forename: Surname: Job Title: Department/Division: Company/Organisation: Email: Company VAT Number: Address: Town/City: Post/Zip Code: Country: Direct Tel: Direct Fax: Mobile: Switchboard: Signature: Date: I agree to be bound by SMi’s Terms and Conditions of Booking. ACCOUNTS DEPT Title: Forename: Surname: Email: Address (if different from above): Town/City: Post/Zip Code: Country: Direct Tel: Direct Fax: Payment must be made to SMi Group Ltd, and received before the event, by one of the following methods quoting reference F-026 and the delegate’s name. Bookings made within 7 days of the event require payment on booking, methods of payment are below. Please indicate method of payment: □ UK BACS Sort Code 30-00-09, Account 00936418 □ Wire Transfer Lloyds TSB Bank Plc, 39 Threadneedle Street, London, EC2R 8AU Swift (BIC): LOYDGB21013, Account 00936418 IBAN GB48 LOYD 3000 0900 9364 18 □ Cheque We can only accept Sterling cheques drawn on a UK bank. □ Credit Card □ Visa □ MasterCard □ American Express All credit card payments will be subject to standard credit card charges. Card No: □□□□ □□□□ □□□□ □□□□ Valid From □□/□□ Expiry Date □□/□□ CVV Number □□□□ 3 digit security on reverse of card, 4 digits for AMEX card Cardholder’s Name: Signature: Date: I agree to be bound by SMi’s Terms and Conditions of Booking. Card Billing Address (If different from above): DOCUMENTATION I cannot attend but would like to purchase the following document portal/paper copy documentation. Price Total □ Access to the conference documentation on the Document Portal £499.00 + VAT £598.80 □ The Conference Presentations – paper copy £499.00 - £499.00 (or only £300 if ordered with the Document Portal) PAYMENT □ Book by 30th September to receive £400 off the conference price □ Book by 30th October to receive £200 off the conference price □ Book by 30th November to receive £100 off the conference price EARLY BIRD DISCOUNT VAT VAT at 20% is charged on the attendance fees for all delegates. VAT is also charged on Document Portal and Literature distribution for all UK Customers and for those EU Customers not supplying a registration number for their own country here: CONFERENCE PRICES GROUP DISCOUNTS AVAILABLE I would like to attend: (Please tick as appropriate) Fee Total □ Conference 1 Workshop □ A □ B £2098.00 +VAT £2622.50 □ Conference only £1499.00 +VAT £1873.75 □ 1 workshop only □ A □ B £599.00 +VAT £748.75 PROMOTIONAL LITERATURE DISTRIBUTION □ Distribution of your company’s promotional literature to all conference attendees £999.00 + VAT £1198.80 The conference fee includes refreshments, lunch, conference papers, and access to the Document Portal. Presentations that are available for download will be subject to distribution rights by speakers. Please note that some presentations may not be available for download. Access information for the document portal will be sent to the e-mail address provided during registration. Details are sent within 24 hours post conference. VENUE Radisson Blu Royal Hotel, Hammerichsgade 1, 1611 Copenhagen, Denmark □ Please contact me to book my hotel Alternatively call us on +44 (0) 870 9090 711, email: events@smi-online.co.uk or fax +44 (0) 870 9090 712

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