The event is attended by experts within the Cards, Mobile & Prepaid cards industry, banking & finance industry, retail, government sector, telecoms industry, utilities as well as card issuers, manufacturers & vendors.
The event is Africa’s largest Cards conference with opportunity to learn:
• How to have consistency in cross border transactions
• How to accesses untapped potential of the middle class
• How to choose the correct technology
• How to increase your average revenue per unit
• How to find the right mix between open and closed loop systems
The event also offers extensive networking opportunities through speed networking and our online system ‘contact’ which enables you to set up meetings during the course of the event with any of the participants.
Mobile phones continue to be at the forefront of financial service innovation in Southern Africa. With high mobile penetration and many rural populations, mobile financial services provide opportunities to reach underserved communities. However, adoption of mobile payments and mPOS technologies has been slow. The conference aims to explore challenges and opportunities in mobile financial services, including convergence and interoperability issues between stakeholders. It will analyze trends, debate strategies to move the industry forward, and identify remaining untapped potential.
Contactless payments in african countriesAdityaAdapaa
Contactless payments in Africa is growing on par with the growing smartphone usage and telecom connectivity. Countries like South Africa, Nigeria, Egypt, Morocco are some of the countries monitored by Qual2Quant in Africa.
The document is the December 2015 issue of the Payments & Cards Magazine. It provides an overview of the contents of the issue which includes thought leader articles on topics in the payments industry, job opportunities, and upcoming events. It also contains advertisements and information for businesses and thought leaders looking to get involved by advertising or contributing articles. The issue features events, thought pieces, jobs, and more to keep readers informed on the payments industry. The magazine is expanding its coverage and welcomes feedback and contributions from payments professionals.
The document discusses the basics of mobile payments including:
- An overview of the history and current landscape of payments from ancient times to modern digital payments.
- Key use cases for mobile payments including donations, content purchases, and mobile point-of-sale.
- Emerging trends driving growth in mobile payments such as increased global adoption, new use cases like location-based services, and improvements in payment security.
The document discusses the successes and challenges of the mobile payment industry in Indonesia and outlines Telkomsel's strategy to create an integrated mobile payment ecosystem. It notes that while Indonesia has high mobile penetration, current e-money offerings remain fragmented, and it analyzes how Telkomsel aims to leverage partnerships with banks to modernize payments and help Indonesia transition to a cashless society through a single mobile money platform.
This document compares cards, mobile payments, and mobile money in Nigeria and discusses opportunities and challenges for each. It summarizes that while cards and electronic payments have grown in Nigeria, penetration remains low compared to other countries due to issues like fraud, technology problems, and lack of awareness. Mobile payments were seen as an opportunity due to high mobile penetration but have also faced slow adoption. The document outlines strategies like incentives, partnerships, and technology improvements that could help cards and mobile payments better penetrate the Nigerian market.
1) Electronic payments in India have grown significantly in recent years, with transactions growing 26.8% from fiscal year 2011 to 2012. Debit cards are the most common card used, with over 102 million in circulation.
2) Mobile banking is also growing rapidly, enabled by India's large mobile phone subscriber base. Services include SMS, IVR, mobile apps, and WAP-based access to bank accounts.
3) The Indian electronic payments market is projected to more than double in size from 2011 to 2012, indicating continued rapid growth in digital payments and reduced reliance on cash.
This document provides an overview and analysis of the mobile payments industry in June 2013. It discusses the size and growth forecasts of the global and US mobile payments markets. While mCommerce growth is expected to be realistic, proximity payments growth is more speculative. Consumer concerns about security and lack of perceived benefits are barriers. Digital wallets need to demonstrate strong security and additional value beyond tap-to-pay. International proximity payment adoption has also been underwhelming despite large NFC device install bases. Google is seen as the front runner in the US wallet war but faces challenges, while card networks and banks may look to defend incumbent arrangements through partnerships and own wallet offerings.
Mobile phones continue to be at the forefront of financial service innovation in Southern Africa. With high mobile penetration and many rural populations, mobile financial services provide opportunities to reach underserved communities. However, adoption of mobile payments and mPOS technologies has been slow. The conference aims to explore challenges and opportunities in mobile financial services, including convergence and interoperability issues between stakeholders. It will analyze trends, debate strategies to move the industry forward, and identify remaining untapped potential.
Contactless payments in african countriesAdityaAdapaa
Contactless payments in Africa is growing on par with the growing smartphone usage and telecom connectivity. Countries like South Africa, Nigeria, Egypt, Morocco are some of the countries monitored by Qual2Quant in Africa.
The document is the December 2015 issue of the Payments & Cards Magazine. It provides an overview of the contents of the issue which includes thought leader articles on topics in the payments industry, job opportunities, and upcoming events. It also contains advertisements and information for businesses and thought leaders looking to get involved by advertising or contributing articles. The issue features events, thought pieces, jobs, and more to keep readers informed on the payments industry. The magazine is expanding its coverage and welcomes feedback and contributions from payments professionals.
The document discusses the basics of mobile payments including:
- An overview of the history and current landscape of payments from ancient times to modern digital payments.
- Key use cases for mobile payments including donations, content purchases, and mobile point-of-sale.
- Emerging trends driving growth in mobile payments such as increased global adoption, new use cases like location-based services, and improvements in payment security.
The document discusses the successes and challenges of the mobile payment industry in Indonesia and outlines Telkomsel's strategy to create an integrated mobile payment ecosystem. It notes that while Indonesia has high mobile penetration, current e-money offerings remain fragmented, and it analyzes how Telkomsel aims to leverage partnerships with banks to modernize payments and help Indonesia transition to a cashless society through a single mobile money platform.
This document compares cards, mobile payments, and mobile money in Nigeria and discusses opportunities and challenges for each. It summarizes that while cards and electronic payments have grown in Nigeria, penetration remains low compared to other countries due to issues like fraud, technology problems, and lack of awareness. Mobile payments were seen as an opportunity due to high mobile penetration but have also faced slow adoption. The document outlines strategies like incentives, partnerships, and technology improvements that could help cards and mobile payments better penetrate the Nigerian market.
1) Electronic payments in India have grown significantly in recent years, with transactions growing 26.8% from fiscal year 2011 to 2012. Debit cards are the most common card used, with over 102 million in circulation.
2) Mobile banking is also growing rapidly, enabled by India's large mobile phone subscriber base. Services include SMS, IVR, mobile apps, and WAP-based access to bank accounts.
3) The Indian electronic payments market is projected to more than double in size from 2011 to 2012, indicating continued rapid growth in digital payments and reduced reliance on cash.
This document provides an overview and analysis of the mobile payments industry in June 2013. It discusses the size and growth forecasts of the global and US mobile payments markets. While mCommerce growth is expected to be realistic, proximity payments growth is more speculative. Consumer concerns about security and lack of perceived benefits are barriers. Digital wallets need to demonstrate strong security and additional value beyond tap-to-pay. International proximity payment adoption has also been underwhelming despite large NFC device install bases. Google is seen as the front runner in the US wallet war but faces challenges, while card networks and banks may look to defend incumbent arrangements through partnerships and own wallet offerings.
Digital Banking Innovation - "a Look of Tomorrow"HongLeongBank
Hong Leong Islamic Bank MD/CEO, Raja Teh Maimunah Raja Abdul Aziz delivered a 1-hr talk at NICE2014, organised by MOSTI, on how banking has evolved from the day trading began thousands of years ago, to how digital banking will be at the forefront of all customer engagements.
Mobile payments in India are poised for significant growth. Currently, mobile wallets like PayTM and MobiKwik lead the market and are expected to replace credit cards as the primary non-cash payment model in India. While adoption is growing, there are still gaps like a lack of focus on the consumer experience that need to be addressed. A US bank could enter the market by acquiring a stake in a mobile wallet provider and using customer data and location to offer discounts, credits, and loans that enrich the consumer experience and drive further adoption of mobile payments.
Market intelligence report on mobile walletsAshish Anand
This document provides an overview of the mobile wallet landscape in India. It discusses the environment and infrastructure supporting mobile payments, including smartphone and banking penetration. Mobile wallet readiness in India is lower than other developing nations like Kenya. Transaction growth has been highest for IMPS and mobile wallets, indicating consumer acceptance of new payment innovations. Regulations require banks or banking correspondents to back high-value transactions. Overall, there is significant potential for growth in mobile payments in India as penetration of phones, internet and banking increases.
This document provides an overview of fintech startups in sub-Saharan Africa. It discusses the growth of mobile technology and financial services in the region, which has created opportunities for fintech innovation. Notable fintech startups in South Africa, Kenya, and Nigeria are highlighted, including Yoco, Snapscan, and M-Pesa, which provide payment solutions that have increased access to financial services. The document also notes that international investors are increasingly interested in the sub-Saharan African fintech sector.
This document discusses India's transition to a cashless society through currency demonetization. It outlines what a cashless society entails, the major drawbacks of cash, and challenges to implementing a cashless payment system. It also details how demonetization has boosted cashless payments in India by necessity, with companies like Paytm seeing major increases in digital transactions. However, moving to a fully cashless economy still faces constraints like lack of banking access, internet connectivity issues, and cost barriers to digital payment infrastructure for merchants.
The document discusses India's transition to a cashless economy. It notes that a cashless economy relies on digital money transfers rather than physical currency. Some countries like Sweden and Canada are leaders in cashless economies. India is also moving in this direction since demonetization. Electronic methods of payment like debit cards, mobile wallets, and UPI payments are promoting this shift. A cashless economy can curb black money, reduce tax avoidance, and promote financial inclusion. However, challenges remain like digital illiteracy, infrastructure issues, and changing public attitudes and behaviors. The government is taking steps like promoting e-commerce, payment banks, and financial literacy to further the transition.
The Future of Mobile Payments – Role of mobile wallets in consumer purchase j...Data N Charts
This report will look into why US consumers aren’t warming up to mobile payment services and how mobile wallets can integrate shopping and peer-to-peer transfers to make payments relevant with smartphone owners for wider adoption.
Mobile Wallets in India: Growth OpportunitiesFiras Durri
An overview of features to drive growth in mobile wallets (social payments, instant purchases, personalized offers, balance coupons) and expansion opportunities into market categories: consumer app, rural economy, data and finance.
This document provides an overview of India's progress towards becoming a cashless economy. It defines a cashless economy as one where digital means are used for all transactions and physical currency circulation is minimal. The document outlines India's steps over the past few decades to move in this direction, including the introduction of technologies like ATMs, credit cards, and mobile payment systems. It notes that while progress has been made, India still relies heavily on cash compared to other countries. The government's recent demonetization initiative and incentives for digital payments are discussed as efforts to reduce cash usage. However, challenges for rural areas with lack of infrastructure are also acknowledged. The document concludes that a completely cashless society may not be possible but India can continue
Stone and Chalk is a Sydney FinTech community seeded by KPMG with participation from the majority of the Australian Banking community plus others
Moroku is keen to participate to grow the community and ourselves
Over the last decade, Africa has become a global leader in mobile money with the rate of smartphone adoption at twice the global scale. But what challenges is the industry facing and how can these be overcome? Our new article, sponsored by Mazars, explores.
1) The global prepaid airtime and digital economy continues to grow fueled by the billions of people who are unbanked and live in cash-based economies. Managing growing inventories of prepaid airtime scratch cards was becoming problematic for retailers.
2) Movotek created an e-voucher system as a turn-key solution for prepaid airtime top-up to address the needs of informal trade in emerging markets. The system provides a digital alternative to physical scratch cards.
3) There is huge demand for prepaid airtime pins from financial institutions to enable consumers to access digital services using cash, such as loading funds to digital wallets or paying online merchants. Movotek enables
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Which societies are going cashless, and what models are they adopting? How can technology support governments, consumers and merchants in going cashless?
Smart mobility in the financial sector has helped financial institutions to reach millions of customers through mobile services. Mobility adoption has helped financial industry to provide enhanced services to their customers like mobile banking, mobile money, mobile payment of utility bills, and much more.
This document discusses managing a banking distribution mix to be fit for purpose. It notes that customer behavior is shifting, with more information gathering and purchases happening online. While branches remain important, they are an expensive channel. The document recommends using technology to provide an assisted customer experience across channels. It highlights Shinsei Bank's experience in Japan transitioning to more online and remote services while maintaining in-person assistance. This includes initiatives like cashless tellers and remote processing to reduce branch costs while still serving customers.
This document provides a case study of Garanti, Turkey's largest bank. It discusses Garanti's transformation into a technology-focused bank that pioneered digital banking services in Turkey. Garanti invested heavily in its technology subsidiary to develop innovative mobile and online banking solutions. This helped Garanti differentiate itself in Turkey's highly competitive and regulated banking sector. It now provides seamless, omnichannel banking experiences across all digital platforms with a strong focus on mobile as the central channel.
Tafari Capital is an integrated financial services and e-commerce platform focused on underserved communities in Africa. It was founded by 85 successful entrepreneurs and professionals concerned with financial inclusion. Tafari will launch eChankura, a digital platform that offers payment services, savings and credit accounts, remittances, online marketplace and stores to give users access to financial products and services. The platform aims to bring subsistence entrepreneurs into the formal economy by creating an alternative credit record and helping them start online businesses. Tafari expects to generate over $100 million in revenue within 5 years by charging small fees on transactions and providing value-added services to its growing customer base.
The document summarizes an upcoming conference on Mobile Money Transfer (MMT) called MMT Africa that will take place on May 5-6 in Johannesburg. The conference will provide practical advice from industry practitioners, keynote speeches from CEOs, and networking opportunities. It will also feature a new Mobile Money Academy comprising workshops on key challenges in MMT project management. Over 40 speakers will present from organizations pioneering MMT in Africa.
Digital Banking Innovation - "a Look of Tomorrow"HongLeongBank
Hong Leong Islamic Bank MD/CEO, Raja Teh Maimunah Raja Abdul Aziz delivered a 1-hr talk at NICE2014, organised by MOSTI, on how banking has evolved from the day trading began thousands of years ago, to how digital banking will be at the forefront of all customer engagements.
Mobile payments in India are poised for significant growth. Currently, mobile wallets like PayTM and MobiKwik lead the market and are expected to replace credit cards as the primary non-cash payment model in India. While adoption is growing, there are still gaps like a lack of focus on the consumer experience that need to be addressed. A US bank could enter the market by acquiring a stake in a mobile wallet provider and using customer data and location to offer discounts, credits, and loans that enrich the consumer experience and drive further adoption of mobile payments.
Market intelligence report on mobile walletsAshish Anand
This document provides an overview of the mobile wallet landscape in India. It discusses the environment and infrastructure supporting mobile payments, including smartphone and banking penetration. Mobile wallet readiness in India is lower than other developing nations like Kenya. Transaction growth has been highest for IMPS and mobile wallets, indicating consumer acceptance of new payment innovations. Regulations require banks or banking correspondents to back high-value transactions. Overall, there is significant potential for growth in mobile payments in India as penetration of phones, internet and banking increases.
This document provides an overview of fintech startups in sub-Saharan Africa. It discusses the growth of mobile technology and financial services in the region, which has created opportunities for fintech innovation. Notable fintech startups in South Africa, Kenya, and Nigeria are highlighted, including Yoco, Snapscan, and M-Pesa, which provide payment solutions that have increased access to financial services. The document also notes that international investors are increasingly interested in the sub-Saharan African fintech sector.
This document discusses India's transition to a cashless society through currency demonetization. It outlines what a cashless society entails, the major drawbacks of cash, and challenges to implementing a cashless payment system. It also details how demonetization has boosted cashless payments in India by necessity, with companies like Paytm seeing major increases in digital transactions. However, moving to a fully cashless economy still faces constraints like lack of banking access, internet connectivity issues, and cost barriers to digital payment infrastructure for merchants.
The document discusses India's transition to a cashless economy. It notes that a cashless economy relies on digital money transfers rather than physical currency. Some countries like Sweden and Canada are leaders in cashless economies. India is also moving in this direction since demonetization. Electronic methods of payment like debit cards, mobile wallets, and UPI payments are promoting this shift. A cashless economy can curb black money, reduce tax avoidance, and promote financial inclusion. However, challenges remain like digital illiteracy, infrastructure issues, and changing public attitudes and behaviors. The government is taking steps like promoting e-commerce, payment banks, and financial literacy to further the transition.
The Future of Mobile Payments – Role of mobile wallets in consumer purchase j...Data N Charts
This report will look into why US consumers aren’t warming up to mobile payment services and how mobile wallets can integrate shopping and peer-to-peer transfers to make payments relevant with smartphone owners for wider adoption.
Mobile Wallets in India: Growth OpportunitiesFiras Durri
An overview of features to drive growth in mobile wallets (social payments, instant purchases, personalized offers, balance coupons) and expansion opportunities into market categories: consumer app, rural economy, data and finance.
This document provides an overview of India's progress towards becoming a cashless economy. It defines a cashless economy as one where digital means are used for all transactions and physical currency circulation is minimal. The document outlines India's steps over the past few decades to move in this direction, including the introduction of technologies like ATMs, credit cards, and mobile payment systems. It notes that while progress has been made, India still relies heavily on cash compared to other countries. The government's recent demonetization initiative and incentives for digital payments are discussed as efforts to reduce cash usage. However, challenges for rural areas with lack of infrastructure are also acknowledged. The document concludes that a completely cashless society may not be possible but India can continue
Stone and Chalk is a Sydney FinTech community seeded by KPMG with participation from the majority of the Australian Banking community plus others
Moroku is keen to participate to grow the community and ourselves
Over the last decade, Africa has become a global leader in mobile money with the rate of smartphone adoption at twice the global scale. But what challenges is the industry facing and how can these be overcome? Our new article, sponsored by Mazars, explores.
1) The global prepaid airtime and digital economy continues to grow fueled by the billions of people who are unbanked and live in cash-based economies. Managing growing inventories of prepaid airtime scratch cards was becoming problematic for retailers.
2) Movotek created an e-voucher system as a turn-key solution for prepaid airtime top-up to address the needs of informal trade in emerging markets. The system provides a digital alternative to physical scratch cards.
3) There is huge demand for prepaid airtime pins from financial institutions to enable consumers to access digital services using cash, such as loading funds to digital wallets or paying online merchants. Movotek enables
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Which societies are going cashless, and what models are they adopting? How can technology support governments, consumers and merchants in going cashless?
Smart mobility in the financial sector has helped financial institutions to reach millions of customers through mobile services. Mobility adoption has helped financial industry to provide enhanced services to their customers like mobile banking, mobile money, mobile payment of utility bills, and much more.
This document discusses managing a banking distribution mix to be fit for purpose. It notes that customer behavior is shifting, with more information gathering and purchases happening online. While branches remain important, they are an expensive channel. The document recommends using technology to provide an assisted customer experience across channels. It highlights Shinsei Bank's experience in Japan transitioning to more online and remote services while maintaining in-person assistance. This includes initiatives like cashless tellers and remote processing to reduce branch costs while still serving customers.
This document provides a case study of Garanti, Turkey's largest bank. It discusses Garanti's transformation into a technology-focused bank that pioneered digital banking services in Turkey. Garanti invested heavily in its technology subsidiary to develop innovative mobile and online banking solutions. This helped Garanti differentiate itself in Turkey's highly competitive and regulated banking sector. It now provides seamless, omnichannel banking experiences across all digital platforms with a strong focus on mobile as the central channel.
Tafari Capital is an integrated financial services and e-commerce platform focused on underserved communities in Africa. It was founded by 85 successful entrepreneurs and professionals concerned with financial inclusion. Tafari will launch eChankura, a digital platform that offers payment services, savings and credit accounts, remittances, online marketplace and stores to give users access to financial products and services. The platform aims to bring subsistence entrepreneurs into the formal economy by creating an alternative credit record and helping them start online businesses. Tafari expects to generate over $100 million in revenue within 5 years by charging small fees on transactions and providing value-added services to its growing customer base.
The document summarizes an upcoming conference on Mobile Money Transfer (MMT) called MMT Africa that will take place on May 5-6 in Johannesburg. The conference will provide practical advice from industry practitioners, keynote speeches from CEOs, and networking opportunities. It will also feature a new Mobile Money Academy comprising workshops on key challenges in MMT project management. Over 40 speakers will present from organizations pioneering MMT in Africa.
South Africa: A Digital Innovation Hub for Financial ServicesSeymourSloan
South Africa is fast becoming one of the leading digital players in financial services along with Kenya and Tanzania. This piece explores how they have succeeded where others have stalled.
Mobile banking has great potential to promote financial inclusion in Africa. By reducing geographic and cost barriers, mobile banking allows commercial banks to expand into new areas at low cost. Kenya and South Africa have been leaders in mobile banking, with services like M-Pesa in Kenya growing exponentially and bringing millions of unbanked individuals into the formal financial system. Partnerships between mobile operators, banks, and microfinance institutions can further expand access to affordable financial services across Africa through mobile phones.
This document provides an overview of channels and technology for enabling financial inclusion. It discusses the mobile and branchless banking ecosystem, including key players such as mobile network operators, banks, technology providers, agents, retailers, and regulators. Digital financial services like mobile money are described as combining branchless banking and mobile financial services to deliver financial products via technology outside of conventional branches. The predominant leader is noted as being mobile money, especially in developing countries.
Electronic banking, or e-banking, describes transactions that take place between companies, organizations, individuals, and their banking institutions using electronic communication channels. While some banks offered early forms of e-banking in the 1980s, growth was slow due to lack of interested users and high costs. However, the rise of the internet in the late 1990s made people more comfortable conducting transactions online, helping e-banking to expand.
The document discusses how financial technology (Fintech) has benefited various sectors like healthcare, agriculture, transportation, e-commerce, education, and retail in East African countries. It highlights how Kenya is recognized as the home of mobile money in East Africa, with many companies digitizing operations to enable digital payments. Fintech has grown significantly in Kenya and Rwanda, contributing to increased financial access, while countries like Somalia have opportunities to collaborate more with banks to gain broader market access. The growth and collaboration between banks and Fintech companies in providing digital financial services has boosted financial inclusion across East Africa.
The document discusses innovations in payment systems and remittances to Africa. It notes that previously, remitting money to Africa involved many risks, inconveniences, and high costs, but that eTranzact has enabled money transfer operators (MTOs) with more robust sending options like ATMs, bank accounts, and mobile. This provides 24/7 access for senders and recipients with greater security, convenience and lower costs. The document also discusses how linking remittances to bank accounts can encourage financial inclusion and a savings culture by allowing remittances to be sent directly to accounts, mobile wallets or prepaid cards. eTranzact's remittance hub connects MTOs to over 50 commercial banks
eTranzact has enabled money transfer organizations (MTOs) with more robust sending options and channels like ATMs, bank accounts, and mobile phones to provide 24/7 access for senders and recipients. This increases security, convenience and lowers costs for all stakeholders. eTranzact's remittance hub connects MTOs to over 50 commercial banks, 350 microfinance institutions and 200 million mobile phone users across Africa to directly send remittances to bank accounts, mobile wallets or prepaid cards. This encourages financial inclusion and a savings culture. The process is now secure, convenient and cost-effective for both senders and recipients.
2nd Retail Banking Africa 2010 - South AfricaAshish Bhugra
This document summarizes an upcoming retail banking conference in Johannesburg, South Africa focused on exploring new opportunities to sustain profitable retail banking businesses for African banks. The conference will explore topics like retail banking strategies, trends in retail payments and cards, building profitable retail portfolios, managing debt, improving customer experience, and building financial services for underserved populations. It provides an agenda with sessions on segments like Islamic retail banking, branchless banking, mobile payments, credit management, and more. The goal is for banks to learn strategies from other African and international banks to grow their retail businesses.
The document discusses the successes and challenges of the mobile payment industry in Indonesia, noting high mobile penetration but low bank penetration, creating potential for mobile payments. It analyzes Indonesia's goals of becoming a cashless society and the benefits this could provide, as well as the current fragmented state of electronic money offerings. Finally, it outlines Telkomsel's strategy to create an integrated mobile payment ecosystem in Indonesia through partnerships between banks and telecom companies.
Innovation of Products & Services in BankingSaad Sair
The document discusses the innovations in the Pakistani banking industry brought about by information technology. It outlines various digital banking services that have emerged, including automated teller machines (ATMs), point of sale (POS) terminals, mobile banking, smart cards, online and offline debit cards, and e-banking/internet banking. It also mentions several examples of Pakistani banks adopting new technologies or partnering with telecom companies to expand digital services.
OnFrontiers Webinar: The New Wave of Innovations in Africa's Mobile Financial...OnFrontiers
In this OnFrontiers Webinar, OnFrontiers Expert and Managing Director of Circle Payments, Charles Niehaus, leads a discussion on the future of mobile finance in Africa with OnFrontiers Experts Chidi Okpala, Chief Digital Officer at Atlas Mara, and Mike Quinn, CEO at Zoona.
This document discusses the evolution of technology in banking in Bangladesh over three generations: (1) use of technology in back-office functions like ledger and cash management, (2) offline transaction processing using systems like ATMs and check verification, and (3) online transaction processing and internet banking. It also outlines some common technology-enabled banking services available in Bangladesh like 24/7 cash withdrawal from ATMs, funds transfer between accounts, and bill payment. The document notes some challenges to expanding technology-driven banking in Bangladesh including limited infrastructure, computer literacy, and skilled labor.
Mobile money for youth and children aflatounTonny Omwansa
This document discusses the potential for mobile money products for youth and children in Africa. It provides background on the growth of mobile money across Africa, where mobile money accounts now outnumber bank accounts in many countries. The document then discusses challenges in developing mobile money for youth, as child-friendly accounts have not been linked to mobile platforms and regulations are limited. However, it outlines possibilities for mobile money to be used by students, including allowing access to proxy accounts while out of school. Developing mobile money for youth will require partnerships between various organizations and education efforts.
This document discusses the evolution of digital engagement and e-banking opportunities in Africa and Ethiopia. It notes that customers are increasingly using digital channels for transactions and interactions and expect rising convenience. While digital channels can reduce costs for banks, they also face challenges from complex technologies and new competitors. The document argues that banks must adopt the customer's perspective and focus on understanding individual needs in order to succeed in the digital world.
With the ubiquity of the mobile phone, there is lot of interest in using this medium to deliver financial services. This document is a white paper on this field and tries to give the reader, a general understanding of the topic
A cashless society describes an economic state whereby financial transactions are not conducted with money in the form of physical banknotes or coins, but rather through the transfer of digital information (usually an electronic representation of money) between the transacting parties.[2] Cashless societies have existed from the time when human society came into existence, based on barter and other methods of exchange, and cashless transactions have also become possible in modern times using digital currencies such as bitcoin. However this article discusses and focuses on the term "cashless society" in the sense of a move towards, and implications of, a society where cash is replaced by its digital equivalent - in other words, legal tender (money) exists, is recorded, and is exchanged only in electronic digital form.
1. Limited offer!
Save up to R5370
per delegate ticket
until 31 December 2010
Prices, packages
and booking form
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BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
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The cash free generation is taking Africa by storm!
Cards Africa, Prepaid Cards Africa and Mobile Money World Africa are partnering with Africa to
usher in a whole new era in payments! page 6>>
The prepaid card has made payments easier and faster!
Learn from those who are making bank with payment innovation in Africa page 5>>
Is the full potential of mobile money to reach the unbanked
being realised?
Discover how next generation mobile payment systems are leading to great profits page 8>>
Africa
Cards
Payment innovation for banks, retailers and
government
Get smart
Conference: 22 - 25 March 2011 Exhibition: 23 - 24 March 2011
Sandton Convention Centre, Johannesburg, South Africa
Hear from
Uchenna Okwodu
Vice-President
e-Business
Bank PHB, Nigeria
Nassoro Hamza
Head of Global
Transaction Services
Citibank, Tanzania
Simon Just
Director Consumer
Issuing
ABSA Card,
South Africa
Fatai Baruwa
Head of Payment
Strategy and Cards
Stanbic, Nigeria
Lydia
Bediako-Asare
Head of Card
Centre
Ecobank, Ghana
Nvalaye Kourouma
Chief Executive
Officer
Afric Xpress
Services Inc, Ghana
Randell Hato
Chief Financial
Officer
Vodafone,
Ghana
Binesh Mangar
Head of Cards
The Mauritius
Commercial Bank,
Mauritius
Ilze Wagenar
Head Retail
Payments and
Interbank
Nedbank,
South Africa
Carol Realini
Chief Executive
Officer
Obopay Inc,
Senegal and Kenya
More highlights Page 3 >>
Full programme Page 5 - 8 >>
Demand for advanced payments and
the evolving regulatory frameworks
22 March 2011 >> Details on Page 9
Workshop 1 Workshop 2
Smart technology for smart people:
prepaid card functionality
25 March 2011 >> Details on Page 9
AND
Co-located with:
Gold Sponsor:Platinum Sponsor:
2. Who’s attending?Who’s attending?
Africa
Cards
• Retail & commercial banks
• Telco’s
• Entertainment & online gaming
• Government & utilities
• Transport & hospitality
operators
• Money transfer operators
• Prepaid card vendors
• Retailers & shopping centres
• Retail & commercial banks
• Micro-financiers
• Mobile telecom operators
• Mobile payment providers
• Mobile transfer remittance
companies
• Mobile payment vendors
• Retail &
commercial banks
• Reserve /central
banks
• Retailers & credit
card issuers
• Foreign exchange
bureaus
• Government
• Card issuers,
manufacturers
& vendors
• Payment systems
providers
• Telco’s
• Major billing
companies
• Micro-financiers
Cards Africa 2011book early and save
The combined desire for faster transactions processing
and the emergence of mobile money and prepaid cards
is drastically changing the cards landscape. In addition,
card fraud has not abated and new ways of attacking
the systems are constantly appearing.
With credit, debit and smart cards experiencing
tremendous growth in Africa, Cards Africa 2011
provides a platform for you to discuss pertinent issues
in this business sector.
Now is the time to gain a host of new skills,
by attending you learn:
• How to increase ARU
• How to make cross-border transactions easier
• How to gain a part of the untapped potential
• How to have a full grasp on EMV migration
• How to minimise fraud
• How to increase your scope in the face of ageing
infrastructure
• How to ensure revenue streams through mobile
money
Africa’s prepaid cards and mobile money
revolution
Learn how Africa is swiftly taking up the most talked
about payments industry potential: The un-banked!
The un-banked population and diaspora has become
a major driver in the business models for bankers
and non-bankers alike. Non-financial businesses are
offering financial services and the sector is growing at
an unprecedented rate globally.
Why Cards Africa 2011?
We have Africa’s most successful money moving
stories. These will change the way you do banking,
retail transactions and payments. Reserve your place
now to ensure you don’t miss out on this interactive
learning opportunity!
2
Vimbayi Kanyonganise
Conference Manager
Terrapinn Limited
5-day Platinum
pass
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I enjoyed
the event.
Extremely
interesting to
know what
is going on
in the rest of
Africa and in
the world on
card payments.
I enjoyed the
conference.
Karen Smith
EDC / eFuel
Marketing Manager
Engen Petroleum
Limited
BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
Cards Africa – unique networking experience
Cards Africa
3. www.terrapinn.com/2011/cardsza book early and save
3
“Now people
will be able to
go to a bank
or other
financial
institution,
obtain a
contactless
chip card and
carry this in
their wallets
instead of
cash”
Times
June 9, 2010
CardsAfrica
istheonly
conference
inAfrica
exploringall
thedifferent
payments
systemsthat
aretaking
Africaby
storm
online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW!
Prepaid Cards Day
Day One Tuesday, 22 March 2011
Prepaid card revolution
• Identifying prepaid opportunities in the developing
world
• The evolution of prepaid in today’s market
Innovation
• Transport, loyalty, parking and credit card. How to
make it work together
• Multifunction prepaid cards – what’s the business
case for them?
• Semi-closed loop environments vs. closed loop
prepaid cards
Business models
• Unraveling the potential – prepaid retail vs. corporate
cards
• Blended products: Gautrain
• Prepaid card scheme for the un-banked in Namibia:
Namibian case study
Security & regulation
• Securing your business good will through securing
your prepaid cards
• Understanding regulation that affects the prepaid
sphere
Mobile Money Day
Day Four Friday, 25 March 2011
A brave new mobile world
• Turning your mobile money business challenges into
opportunities
• The birth of Obopay in the African market
• Exploring suitable reforms for regulating Africa’s
mobile money markets
Business models
• M-commerce – a brave new world or just one more
channel?
• Partnering up – profitable relationships for MNOs and
banks
• Making green tape out of red tape: Setting up a
mobile money system
• The remittances market – effectively banking money
from abroad
• Afric Xpress- Txt’n’pay, money moving through your
finger tips
Infrastructure
• Technology evolution. Mobile services and financial
services
• Cross-border capabilities
Legislation
• Addressing AML laws and finding cost-effective
protection
• Fraud and risk management
Cards Africa 2011
Day Two & Three
Wednesday, 23 & Thursday, 24 March 2011
The cashfree generation
• The card revolution and what it means for Africa’s
banking sphere
• Inter-operability – Africa’s cross-border transactions
made easier
• The potential of Africa’s un-banked population
Business models
• Multi functional cards
• Credit cards as a revenue source again post-recession
• Untapped markets - domestic vs. international – card
applications
Collaborations
• Mapping the way forward for retailers in Africa
• Co-branding, branding and loyalty – Trust Chemists
• Competing with non-traditional financial services,
financial institutions
Cards and payments regulation
• Card interoperability- the trends and opportunities
• Fee structures, finding balance between merchant,
customer and bank
Next generation payments
• Strategy and analytics in the card business
• The emergence of Get Cash ‘one tap’ banking as a
payments solution
• Migration of cards to mobile – The future of
consumer payments in Africa
Payment convergence
• Identifying the “profit centre” payment systems in
Africa
• Bringing your infrastructure up to speed with your
operations
• Regional report on EMV migration
Fraud and security
• Global security and fraud trends in the cards payment
industry
• Fighting fraud – taking the chip off the shoulder
Technology and innovation
• IT as the future of cards payments, taking a sneak
preview into tomorrow
• Chip technology implementation
Conference highlights
Your event contact is Brian Shabangu
+27 (0)11 463 6001
enquiry.za@terrapinn.com
“There is a
need to walk
in the shoes
of people
with different
needs to bring
first financial
to the
previously
un-banked.”
Business Day
July 30, 2010
Post-conference workshops
Demand for advanced payments and the
evolving regulatory frameworks
OR
Smart technology for smart people: Prepaid
card functionality
4. Catherine
Mogambi
Head of Card
Services
Commercial
Bank of Africa,
Kenya
Kingsley Ogbonna
Head of Card
Business
Bank PHB,
Nigeria
Graeme Holmes
Head Consumer
Cards
Nedbank,
South Africa
Cards Africa 2011book early and save
4
“Considering
that
something
like 17
percent of all
remittances
from UK last
year were
going to
Nigeria, you
can see the
potential.”
Financial Times
September 30,
2010
“We are
planning
nothing
short of a
mobile money
revolution
in the
country,”
Vodacom CEO
Pieter Uys
Business Day
July 30, 2010
BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
A-list of industry experts
Abeyu Mengesha
Head of Card
Centre
Wegagen Bank,
Ethiopia
Francis
Matseketsa
Mobile Money
Executive
Econet Wireless,
Zimbabwe
Aderonke Kuye
General Manager
e-Business & Card
Services Guaranty
Trust Bank Plc,
Nigeria
Bezant Chongo
Regional
Microfinance
Specialist
PlaNet Finance,
South Africa
Gavin Savala
Regional Head of
Card Issuing and
Acquiring
BancABC,
Southern Africa
Olusegun Falana
Group Head Card
Services
Fin Bank,
Nigeria
Susan Potgieter
General Manager
Commercial Crime
Office
South African Banking
Risk Information
Centre (SABRIC)
Mark Taylor
Managing Executive
Terminals Financial
and On-Line
Services M-PESA
Vodacom,
South Africa
Karen Jordaan
Regional Director
Northern and
Southern Africa
Western Union
Africa
Patrick Gordon
Group CEO
Mobicash,
South Africa
Yolande van Wyk
CEO Smart Services
FNB Mobile and
Transact Solutions,
South Africa
Agatha Yowela
Head of
Acquiring Cards
Barclays Bank
of Zambia,
Zambia
Hoda Shoukry
Chief Executive
Officer
Mediterranean
Smart Cards
Company,
Egypt
Chris Reddish
Chairman
Prepaid
Forum, UK
Dr Matthews
Mtumbuka
Head of Technical
Services
Malswitch,
Malawi
Brad Gillis
Chief Executive
Officer Regulated
Products Cluster
BankservAfrica,
South Africa
Norman
Roberts-York
Head Payment
Solutions
Transaction
Payment Solutions,
London
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Terrapinn events create exciting places to...
• interact and grow knowledge
• meet and make contacts
• become inspired and re-energised.
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Cards Africa
2011 is bring-
ing together
all the leaders
in payments
from around
Africa!
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Book before 31 December to save 20%
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Prepaid Cards Day Tuesday, 22nd of March 2011
07:30 Registration and refreshments
08:30 Chairperson’s opening remarks
Philip Froom, CEO, Draw Card, South Africa
Prepaid Card Revolution
08:45 Keynote address: The evolution of prepaid in today’s market
• The evolution from pay now, to pay later and pay before
• Prepaid and it’s effects on cash flow
• Exploring available avenues of increased investment into prepaid
• What the outlook is for prepaid adoption and how it will make
your business make sense
Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and
Preposition, ABSA, South Africa
09:15 Keynote address: Identifying prepaid opportunities in the
developing world
• The un-banked market – how can the prepaid card gain market
share?
• Reaching lower-end markets through infrastructure investment
• Value added services that appeal to the market and tap into
undiscovered revenues
• Prepaid business models – uncovering Africa’s unique market
opportunities
Chris Reddish, Chairman, Prepaid International Forum, UK
Innovation
09:45 Panel session:Mapping the way forward for retailers in Africa
• Staying on the safe side, legal issues around liability for retailers.
• Retailers partnering with banking sector to create unique
products
• How the retail sector will be incorporating prepaid cards into
their strategic plans
Errol Braithwaite, Technical Executive, Bombela Concession
Company, South Africa
Nishid Dosa, General Manager Claims, Hollard, South Africa
Zaida Africa, Gift Currency Specialist, Old Mutual, South Africa
10:30 Morning refreshments
11:00 Panel session: Multifunction prepaid cards – what’s the
business case for them?
• Extending card account life through adding value to the cards,
adding profits to your bottom line
• Understanding which functional partnerships will increase brand
strength and profits
• Using brand loyalty to increase card uptake and result in greater
market share
Vinayak Prasad, Head of Cards, Yes Bank, India
Peter Sidenius, Director, Prepaid International Forum, UK
Fatai Baruwa, Head of Cards and Strategy, Stanbic, Nigeria
11:45 Panel session: Semi-closed loop environments vs. closed loop
prepaid cards
• The business case in having open loop cards, finding revenue
streams in Africa’s low infrastructure market
• The business case for closed loop cards, providing security and
convenience in high transaction markets
• How both card implications can reach divergent markets, and
ensure that all potential profits are being made
Paul Nzimande, Head of Debit Cards, Ithala Bank, South Africa
Kingsley Ogbonna, Head Card Business, PHB Bank, Nigeria
Aderonke Kuye, General Manager e-Business and Card Services,
Guaranty Trust Bank, Nigeria
12:15 Case study: Unraveling the potential – successful smart card
implementations
• Overview and history of smart card use in retail and corporate
settings
• Finding the correct model to suit your resources and target
market
• Building the best relationship with retail and corporate to create
a strengthened prepaid card
Richard Poynder, CEO, Smartex, UK
13:00 Networking luncheon
14:00 Case study: Blended products Gautrain
• A new era of technology comes to Africa, what this means for
the economy
• The card as an access system, payment method and security
feature, getting the most out of it
• Report on how the card has revolutionised travel in South Africa
• Financing channels and ensuring continued investment
Errol Braithwaite, Technical Executive, Bombela Concession
CompanyEvolution of prepaid
14:30 Case study: Prepaid Card Scheme for the un-banked in
Namibia
• What challenges do the un-banked face in Namibia
• Overview of the prepaid card scheme
• Opportunities and challenges ahead
• Policy response in this regard
Albert Matongela, Principal Payment System Analyst Banking
Supervision, Bank of Namibia
15:00 Afternoon refreshments
Security & Regulation
15:30 Panel session: Securing your business good will through
securing your prepaid cards
• Best practice for security in prepaid cards
• Ways of improving security without compromising on prepaid
convenience and accessibility
• Security features being implemented to protect users and
issuers of prepaid cards
Uchenna Okwodu, Group Head eBusiness, Phb Bank, Nigeria
Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and
Preposition, ABSA, South Africa
Binesh Mangar, Head of Cards, Mauritius Commercial Bank,
Mauritius
16:15 Panel session: Understanding regulation that affects the
prepaid sphere
• The regulatory environment around prepaid cards and how to
make it count towards your effectiveness
• Getting FICA right in prepaid transacting
• Finding your footing with the Consumer Protection Bill and
making it work as a business tool
• Access for non-banks into the prepaid payment sector
Kumaran Selvarajalu, Head of Payments Regulation, FirstRand
Bank, South Africa
Albert Matongela, Principal Payment System Analyst: Banking
Supervision, Bank of Namibia, Namibia
17:00 Chairperson’s closing remarks and close of Prepaid Cards Day
6. Day One Wednesday, 23rd of March 2011
08:30 Chairperson’s opening remarks
The Cashfree Generation
08:45 Opening keynote address: The card revolution and what it
means for Africa’s banking sphere
• Overview of cards usage and implementation and how it has
changed the way we do business
• New technology being implemented internationally and how to
make it work for you
• Infrastructure investment and assuming efficient technology
waves
Alice Zanza, Payments Systems Specialist, World Bank, USA
09:15 Keynote address: The potential of Africa’s un-banked
population?
• How to achieve the highest profits, the business case for
volume over margins
• Increasing market share, market dynamics and understanding
the specific market needs
• Developmental vs profit orientated business models
Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria
09:45 Keynote address: Inter-operability – Africa’s cross-border
transactions made easier
• African banks working towards a common goal to achieve higher
market efficiency
• Cross-border transactions simplified and made cost-effective
• Uniformity in technological implementation & consistency i
regulation to ensure transactional ease
Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria
10:15 Morning tea and refreshments
Business Models
10:45 Case study: The advantages of multi-functional cards in
contemporary banking
• Understanding customer kinetics, the customer insight that
influences business plans
• Blended products, getting the most value and benefit per card
• Cards as an engine for ecomonic independance
Gavin Savala, Regional Head of Cards Southern Africa, BancABC
Southern Africa
11:15 Panel session: Credit cards as a revenue source again – post
recession
• Finding the credit opportunity post payment following prepaid
and current payment upswing
• Expanding into new markets and regaining market share through
unique positioning
• Protecting your credit model from risks arising from credit
Vinayak Prasad, Head of Cards, Yes Bank, India
Simon Just, Director Consumer Issuing, ABSA Card, South
Africa
Agatha Yowela, Head of Cards, Barclays Bank, Zambia
12:00 Case study: Untapped markets - domestic vs. international –
card applications
• Benchmarking with successful business models in cards &
payments
• Recognising potential in markets and pioneering within budget
• Untapped markets in Africa and the way forward to reach and
conquer them
Hoda Shoukry, CEO, Mediterranean Smart Cards Company,
Egypt
12:30 Reducing total cost of ownership by outsourcing your
payment processing
• Rising costs, how to stay ahead and keep your business ahead
• Outsourcing the pros and cons
• What to look for in an outsourcing firm
Norman Roberts-York, Head Payment Solutions, Transaction
Payment Solutions, London
13:15 Networking luncheon
Collaborations
14:00 Case study: Co-branding, branding and loyalty – Trust Chemists
• What can Africa learn from more established markets
• Customer-driven diversification that yields high profits
• What more for the sector, keeping cards relevant and cutting edge
Nittin Chittal, Vice President Direct Banking, Axis Bank, India
14:30 Panel session: Competing with non-traditional financial
services financial institutions
• Moving away from financial services and systems that are
becoming obsolete
• Finding the right mix in card functionality, swipe vs. withdrawal
• Ingenuity for future generations, finding new ways to add value
Aderonke Kuye, General Manager eBusiness and Card Services,
Guaranty Trust Bank, Nigeria
Gavin Savala, Regional Head of Cards Southern Africa, BancABC,
Southern Africa
Catherine Mogambi, Head of Cards and Channel Support,
Commercial Bank of Africa, Kenya
Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia
Patrick Gordon, Group CEO, MobiCash, South Africa
15:15 Networking & afternoon refreshments
Cards and Payments Regulation
16:00 Presentation: Card interoperability trends and opportunities
• Card payments interoperability and regulation and how to
overcome the challenges facing the continent
• Facts, figures and trends – statistics to explore card payments
interoperability activities and stay ahead and competitive
• The good, the bad, the ugly – Interoperability: project successes,
failures and lessons
• Where to from here, new innovations and opportunities - from a
card interoperability perspective
Brad Gillis, CEO Regulated Payments Cluster, BankservAfrica,
South Africa
16:30 Panel session: Fee structures, finding balance between
merchant customer and bank
• Customer needs and how these can be translated into revenue
• Bank fee structure that increase market share and profit margins
• Finding mutually beneficial merchant partnerships
Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya
Olusegan Falana, Group Head Card Services, Fin Bank, Nigeria
Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana
Alice Zanza, Senior Payment Systems Specialist, Southern Africa
World Bank, USA
Albert Matongela, Principal Payment System Analyst, Namibia
17:15 Chairperson’s closing remarks and close of Cards Africa day one
17:30 Cocktail Function – Morrocan Theme
Cards Africa 2011book early and save
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Day Two Thursday, 24th of March 2011
08:30 Chairperson’s opening remarks
Brad Gillis, Chief Executive Officer Regulated Products Cluster,
BankservAfrica, South Africa
Next generation payments
08:45 Keynote address: Get Cash – The emergence of Get Cash ‘one
tap’ banking as a payments solution
• Find new solutions to old problems through innovative strategies
• Marketing your brand name with breakthrough products that
increase your customer base
• Where to from here, new areas that Get Cash will be
implementing its smart technology
Simon Just, Director Consumer Issuing, ABSA Card, South Africa
09:15 Keynote address: Strategy and analytics in the African card
business
• Strategy in the cards industry that puts you ahead of the pack
• Analytics as a back bone of the cards business: Sharing in the
MCB success story
• New ideas that grow your portfolio and give your card business a
unique position
Binesh Mangar, Head of Cards, Mauritius Commercial Bank,
Mauritius
09:45 Morning refreshments and exhibition viewing
10:15 Keynote address: Migration of cards to mobile – The future of
consumer payments in Africa
• A model for examining payments opportunities and a
perspective on the likely winners and losers
• The “Big 5”, or is it “Big 6”? Game changing innovations in retail
payments over the past 50 years
• The drivers of change in the way consumers pay vs. the absolute
laws of payments
Graeme Holmes, Head Consumer Cards, Nedbank, South Africa
Payment convergence
10:45 Regional Panel Session: Identifying the “profit centre”
payment systems in Africa
• Identifying the payment patterns to ensure that your business
positioning is accurate
• Discover which payments are resulting in higher profits and
more account openings
• Map the way forward to strengthen Africa’s overall payment scene
Paul Nzimande, Head Debit Card, Ithala, South Africa
Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya
Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria
Catherine Mogambi, Head of Cards and Channel Support,
Commercial Bank of Africa, Kenya
11:30 Case study: Bringing your infrastructure up to speed with your
operations
• Telecommunications report on Africa, where we are moving
towards
• Having the correct resources to implement multi payment
systems for business growth
• Staying ahead of competition by staying one step ahead of
technological changes
Dr Matthews Mtumbuka, Head of Technical Services, Malswitch,
Malawi
12:00 Panel session: Re-aligning your product offerings to sustain
competitiveness
• Regional reports on EMV compliance and its effects
• Issues being encountered regionally in terms of investment
technology or regulation
• The business case for moving away from proprietary cards
Agatha Yowela, Head of Cards, Barclays, Zambia
Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana
Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia
Kingsley Ogbonna, Head Card Business, Bank PHB, Nigeria
12:45 Networking luncheon
14:00
Fraud and Security
14:30 Presentation: Global security and fraud trends in the cards
payment industry
• Exploring the dynamics around security and authentication
common practice
• Understanding and staying ahead of emerging crime patterns
• Best practices for curtailing fraud, through anticipatory skills
• Efforts, skills and systems required to combat these trends
Susan Potgieter, General Manager Commercial Crime Office,
SABRIC, South Africa
15:00 Panel session: Fighting fraud – taking the chip off the shoulder
• Magnetic stripe to chip migration and what it means for security
and fraud management
• Infrastructure required to support chip use
• Understanding the implications of liability shift on merchants and
banks and the international impact on clientele
Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya
Olusegun Falana, Group Head Card Services, Fin bank, Nigeria
Agatha Yowela, Head of Cards, Barclays, Zambia
15:45 Afternoon refreshments
Technology and Innovation
16:15 Case study: IT as the future of cards payments, taking a sneak
preview into tomorrow
• African infrastructure funding report, discovering avenues for
accessing finance
• Card payment innovations currently in the pipeline and how they
will impact the sector
• Innovation today, common place tomorrow, how to stay ahead
of tomorrow
Anne Daffey, Head of Innovation and New Business, ABSA,
South Africa
16:45 Panel session: Chip Technology implementation
• Is chip technology encouraging or inhibiting African card growth
• How banks invest in this technology in the face of budget cuts
• What are the pipeline technologies and spin off from chip card
Nassoro Hamza, Vice President and Head of Global Transaction
Services, Tanzania
Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria
Dr Matthews Mtumbuka, Head of Technical Services, Malswitch,
Malawi
17:00 Chairperson’s closing remarks and close of Cards Africa day two
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Things that keep you awake at night
You have voted for these topics! Your chosen speakers
will now offer you real-time, spontaneous solutions
and commentary on the issues that keep you awake at
night. Bring your questions to this discussion.
8. Mobile Money Day Friday, 25th of March 2011
08:30 Chairperson’s opening remarks
A brave new mobile world
08:45 Keynote address: Turning your mobile money business
challenges into opportunities
• Find the right business model and profits from ‘lower end’
market transactions
• Critical mass is as a necessity to make profits in Africa
• Attract and stimulate the correct investment into infrastructure
Moses Opeto, National Manager Mobile Money, MTN, Uganda
09:15 Keynote address: The birth of Obopay in the African market
• Obopay in the Senegalese market and future expansion
• How Obopay is capturing the remittances market in the diaspora
• Overcome regulatory issues between and within countries
Carol Realini, CEO, Obopay Senegal, Kenya
09:45 Keynote address: The business case for mobile money in
Africa
• Understand financial and business factors that will influence
mobile money
• Find the correct product mix for your business to sustain a
product launch
• Protect enterprise goodwill and telco core business to ensure
long term success
Randell Hato, Chief Financial Officer, Vodafone, Ghana
10:15 Morning refreshments and networking
Business Models
10:45 Keynote address: m-Commerce – a brave new world or just
one more channel
• Is the mobile payments channel a disruptive business change?
Find answers to business challenges
• How mobile payments really replace the cash economy
• Explore mobile payments as a part of mainstream consumer
payments infrastructure
• Success factors for mobile access to banking infrastructure
Yolande van Wyk, CEO, Smart Services FNB Mobile and
Transact Solutions, South Africa
11:15 Case study: Partnering up M-Pesa Vodacom South Africa
• Value adding partnerships that lead to higher profits
• The success of network use in mobile money
• The pending need for bank-led transfers, KYC (Know Your
Customer) systems as a security tool
Ilze Wagenar, Head Retail Payments and Interbank, Nedbank,
South Africa
11:35 Case study: Setting up a mobile money system
• Understand the legalities in setting up a mobile money system
• Launch a financial product in a non financial business
• M-Pesa South Africa as at March 2011 and where to from here
Mark Taylor, Managing Executive Terminals Financial and
On-Line Services M-PESA, Vodacom, South Africa
11:55 Presentation: The remittances market – effectively banking
money from abroad
• The remittances market and its potential in Africa
• The economic structures necessary for a remittance market
• Customer orientated services, understand the demographical
needs that bring in revenue
Karen Jordan, Regional Director Northern and Southern Africa,
Western Union
12:25 Case study: Mobile banking – the outreach model – creating
virtual banks for the micro market
• Mobile as a channel to increase access to financial services
• A business model that creates inclusive banking and increases
your market share
• Lessons to be learnt from bank and telco-led models
Bezant Chongo, Regional Micro Finance Specialist, PlaNet
Finance, Southern Africa
13:00 Networking luncheon
Infrastructure
14:00 Case study: Afric Xpress: Success story
• Txt’n’pay and success in the Ghanaian market
• Business growth from partnering with Vodafone and others
• Where we are taking mobile money in the future?
Nvalaye Kourouma, CEO, Afric Xpress, Ghana
14:45 Panel session: Technology evolution: mobile and financial
services
• Investment, upgrading and maintenance of telecoms systems
• Technologically dependant new markets
• Moving towards cross telecom network money transfer and how
that will open new markets
Paul Stemmet, General Manager, MXIT Lifestyle, South Africa
Pious Musabaila, Head of eBusiness Mobile Payments and
Transactional Services, Zanaco, Zambia
Brian Richardson, MD and CEO, Wizzit, South Africa
Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe
Patrick Gordon, Group CEO, MobiCash, South Africa
15:15
16:00 Case study: Signposts for mobile money
• Highlights from the Mobility 2011 research project
• The role of mobile money in driving the mobile internet
• Steps taken for the rise in the digital participation curve
Arthur Goldstruck, Managing Director, World Wide Worx, South
Africa
Legislation
16:15 Presentation: Addressing AML laws and finding cost effective
protection
• Foreign exchange regulation and its role in the securing of
mobile money systems
• How regulation will change the face of mobile money
• How to get the most out of bank infrastructure
Nassoro Hamza, Vice President, Citi Bank, Tanzania
17:00 Panel session: Fraud and risk management
• Strong control systems by mobile operators (PIN) to protect both
customer and service provider
• Debt-managements and incentive cards, using them as a risk
manager
• Bank-led models and their advantages, KYC and AML
identification, how these issues are increasingly becoming
national security issues
Kumaran Selvarajalu, Head of Payments Regulation, First Rand
Bank, South Africa
Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe
Nvalaye Kourouma, CEO, Afric Xpress Ghana
Lee Albertyn, Managing Executive Digital Channels, ABSA, South
Africa
17:45 Chairperson’s closing remarks and close of conference
Networking & afternoon refreshments
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and exchanging details.
Arrange meetings
online before you
arrive. Access event
resources, such as
white papers and
presentations, after
you’ve left.
More than listening,
interact with our
panelists
This is your chance to
shape the conference
agenda. You select the
topic and presenters.
So bring along your
ideas and get ready
to make a name for
yourself.
We lessen this
brochure’s impact on
the environment by
using environmentally
friendly paper.
Get the
most
from your
conference
Workshop 1 – Tuesday 22 March 2011 Workshop 2 – Friday 25 March 2011
Conference Workshops
Your workshop leader
Your workshop leader
Peter Sidenius
Director | Edgar Dunn & Company,
United Kingdom
Peter has over 18 years of experience
in consulting in strategic consulting to a
variety of leading industry clients in financial
services, with wide geographical experience
across the European, North American,
Middle Eastern, and African markets.
Craig Kilfoil
CEO I ExactSwitch SA
Craig has over a decades expertise in
new technologies and payment systems.
His expertise is built on actual experience
through the deployment of new payment
technologies into developing markets with
the view of achieving efficient payments
and financial service deepening in “banking
the un-banked”, focused largely in Africa.
Mobile money payment demands – business
effects and evolving regulatory frameworks
Objective
The relationship between demand for new payment
solutions and the increased focus on regulatory
developments applied to mobile payment solutions will
be explored in this interactive workshop. Participants
will be provided with an in-depth overview of advanced
mobile payment developments globally and the
regulatory developments and trends that affect the
sector. The workshop will then illustrate how new
services can flourish in this environment, by turning
to how players in mobile payments can involve
themselves in the regulatory framework developments
through engaging in industry bodies.
08:30 Registration and refreshments
09:00 Introduction to mobile money
• Main regulatory concepts of financial regulation
• Mobile money models
• Regulatory factors affecting each mobile
money model
• Diagnostic approaches: What is the right
mobile money model in the given regulatory
environment?
10:30 Morning refreshments and networking
11:00 How do we scale the mobile frontier,
leveraging technology and partnership
for sustainable development and financial
inclusion?
12:30 Networking lunch
13:30 m-Banking, m-payment, and electronic
remittance systems
• Systems that are being implemented and their
success stories
• Case studies
15:00 Afternoon refreshments and networking
15:30 Pro-actively engaging in shaping the
regulatory environment. An in-depth review
of regulatory developments in regions driving
the development of mobile money regulation:
A look at the leading countries.
• Interacting with regulatory bodies
• Engaging with industry bodies
• Consumer rights/protection
• AML, KYC
17:00 End of workshop
Smart technology for smart people:
prepaid card functionality
Objective
This session will introduce the use of smart cards and
will explain the smart card family of technologies and
generic attributes available and appropriate for likely
applications to be supported, special attention and
comments will be given to the “Prepaid Card” together
with their respective strengths, weaknesses and cost
implications.
08:30 Registration and refreshments
09:00 Smart card technologies
• An analysis of chip types and performance,
card types including memory, micro-processor,
combi and hybrid cards together with their
performance and usage
• Description of the typical operation of each
card type
10:30 Morning refreshments and networking
11:00 Security
• A description of security features of different
card types, together with an explanation of
encryption and decryption routines
12:30 Networking lunch
13:30 The business and financial case for prepaid
cards
• An explanation of the issues relating to the
development of business and financial cases
and plans for smart card-based schemes, and
the identification of the main areas of cost and
revenue
15:00 Afternoon refreshments and networking
15:30 Prepaid card business models
• This session considers the politics and
practicalities of the biggest emerging market
sectors- transport etc
• A technical and commercial description of
e-payment systems and products for which
prepaid cards can be used
17:00 End of workshop
OR
10. Sponsor or Exhibit
Contact Mark Anderson +27 (0)11 516 4038
mark.anderson@terrapinn.co.za
Cards Africa 2011book early and save
10
About our sponsors
BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
Get acquainted with key industry decision makers
Only conference and expo in Africa
incorporating cards & payments,
mobile and prepaid
Banks and financial institutions need to ensure
sustainable performance in customer acquisition
and retention through the use of 21st
century
card, mobile and prepaid technologies.
Suppliers are now offering solutions to help operators
reach more customers and satisfy more needs. They
want to manage risks and implement these solutions.
Where does your company fit in?
What is the risk of your company not being
present at Cards Africa?
• Losing market share to your competitors
• Not meeting standards and being replaced
• Clients forgeting that you offer those specific
services because EMV is taking a while to be
implemented
• Becoming invisible
Why Cards Africa 2011?
• A chance for all players in the local regional market
to meet, network and discuss the key issues
• Learn from developed markets and counter-parts
• Develop key policy and ideas to move the industry
forward
• Direct access to key buyers and sellers within the
market all under one roof
• Find out how to tailor-make your solutions across
cards, prepaid and mobile commerce in Africa
Who should exhibit?
• SIM and chip
manufacturers
• Mobile payment
platform providers
• Mobile banking
solution providers
• Secure payment
providers
• Mobile payments
consultants
Who should exhibit?
• Card issuers and
manufacturers
• Payment systems
providers
• Smart card software
providers
• Cards hardware
(readers /printers /
writers / terminals
& card testing
equipment)
• Magnetic stripe
cards software
• Card security
providers
Africa
Cards
Africa
Cards
Who should exhibit?
• Prepaid card
manufacturers –
hardware
• Prepaid card
manufacturers –
software
• Loyalty and gift card
companies
• Card marketers
• Payment networks
and processing
Why should you exhibit at the show?
For sponsors or exhibitors:
• Increase your brand recognition at the Cards
Africa’s exhibition
• Get face to face interaction with the top buyers
for your services in Africa’s payments landscape
• Grow essential relationships with those wishing
to expand their portfolio and upgrade their
offerings
• Communicate your expertise across the prepaid,
mobile and card payments industries.
Gold sponsor
An innovative technology company that
provides payments solutions to banks,
retailers and utility companies. Reseller
of S1 (Postilion) transaction and switching platform, Ingenico
and VeriFone POS terminals and Stratus servers.
Platinum sponsor
Mediterranean Smart Cards Company
provides high quality, smart card
payment processing services to banks
across Africa. Present in 25 countries with 75 clients across
the region, MSCC offers the latest card payment services.
Exhibitors:
expo
11. Book before 31 December
to save 20%
Fax the registration form to +27 (0)11 463 6903
Official Travel Partner
Voted best travel
company to work for
in SA!
We would like to take
care of all your travel
needs. Contact us and
you are guaranteed
superior service and
the best rates.
michelle.govender@
flightcentre.co.za
+27 (0)11 778 1363
Something to say?
Talk to us
about speaker
opportunities
Call Mark
Anderson
+27 (0)11 516
4038
www.terrapinn.com/2011/cardsza book early and save
online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! 11
It would seem
mobile banking
will certainly be
remembered as
one of the key
determinants
that helped spur
the economic
development of
the continent.
Imara Africa
Securities Team
October 2010
“Therealeffect
ofMobileMoney
ismuchmore
thanrevenues.It
helpstoreduce
churn[customer
turnover].”
This is Africa
(online)
July 2010
Sponsors and delegates enjoying plenty of networking opportunities
1. Explore the potential of Africa’s payments
landscape
Hear successful case studies on how
payments companies are exploring potential
beyond debit and credit cards
2. Hear how banks and telcos are successfully
repositioning themselves
Discover innovative strategies and benchmark
your company against your competitors
3. Challenge your bottom line and unlock the
potential of your business
Find out what Africa’s post recession profit
centres are
4. Discover the most innovative uses of
prepaid and mobile payments
There’s far more to these exciting methods
than prepaid utilities and remittances- learn
how you can diversify your offering
5. Get ahead using the intelligence gathered
by payment industry leaders
Investigate current trends shaping Africa’s
payments landscape and explore the
underlying factors driving the sector
6. Get a sneak peek into the future
Learn from those who have gotten it right –
maximise your profits and minimise the risks
of electronic payments
7. Be part of extensive networking opportu-
nities with the best payments specialists
Meet all the right people during our networking
sessions at the Cards Africa exhibition
8. Learn the best practice for your cards and
payments portfolio
Learn from the industry leaders and innovators
who are taking the African payments sphere
by storm
8 Reasons why you should attend Cards Africa 2011
The venue
Sandton Convention Centre
South Africa’s largest and most prestigious
multi-purpose exhibition and convention centre.
The Sandton Convention Centre is strategically
situated in Maude Street, Sandton CBD.
Tel +27 11 779 0000
www.saconvention.co.za
Endorser:
Endorser of Cards Africa and Prepaid Cards:
Official Media Partners:
Media partners:
12. 2820 Designed and produced by Terrapinn.
Please fax back to Melissa Jogannah on +27 (0)86 714 9220 or contact
her on +27 (0)11 516 4060 or email melissa.jogannah@terrapinn.co.za or
simply register online at https://secure.terrapinn.com/V5/rCalc.aspx?E=
3645&DS=1919&SalesRep=Jogannah
1. Should you be unable to attend, a substitute delegate
is welcome at no extra charge
2. Terrapinn does not provide refunds for cancellations.
Invoiced sums are payable in full, except in cases where
Terrapinn has been able to mitigate loss
3. Terrapinn will make available course documentation
to a delegate who is unable to attend and who has paid
4. Terrapinn reserves the right to alter the programme
without notice including the substitution, alteration
or cancellation of speakers and / or topics and / or the
alteration of the dates of the event
5. Terrapinn is not responsible for any loss or damage as
a result of a substitution, alternation, postponement or
cancellation of an event
6. A complimentary ticket cannot be used by a person
already registered for the event, no refund can be given
respectively and the registered person will be held
liable for the full payment
Terrapinn may contact you about products and services
offered by Terrapinn and its group companies, which
Terrapinn believes may be of interest to you, or about
relevant products and services offered by reputable
third parties. Please tick the appropriate box if
you do not wish to receive information from or your
information to be disclosed to:
the Terrapinn group; or reputable third parties.
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or duplicated, please fax all corrected labels to
+27 (0)11 463 6903. These corrections will be handled
as quickly as possible.
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Terms and conditions
www.terrapinn.com/2011/cardsza.
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ticket and buy multiple tickets.The calculator
automatically selects the most favourable discount
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+27 (0)11 463 6903 or complete this form and fax
to +27 (0)11 463 6903 or call +27 (0)11 463 6001
and we’ll take your booking over the phone
Why not send your team and save more.
Send 3 delegates and save 10%
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To register a group either go online,
call +27 (0)11 463 6001 or
fax this form to +27 (0)11 463 6903
Payment is due in 14 days. By signing and returning this form you are accepting our terms and conditions. If you reserve your ticket but pay by invoice
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Card number - - - Expiry date: ____/____/______
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Payment details
Cards Africa 2011book early and save
BOOK NOW! online www.terrapinn.com/2011cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 690312
22 - 25 March 2011
Sandton Convention Centre, Johannesburg, South Africa
How to book your ticket
If you reserve your ticket but pay by
invoice or bank transfer, payment must
be received in 14 days
Offline
Group bookings
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Your voucher code
Register now
Package Before 31 Dec 10 Before 11 Feb 11 Before 4 Mar 11 After 4 Mar 11 How many Calculate your ticket
Platinum Pass (5 days) R24 150 + VAT R26 835 + VAT R28 175 + VAT R29 520 + VAT
*Please indicated below which = R27 531.00 = R30 591.90 = R32 119.50 = R33 652.80
workshop you will be attending (Save R6 121) (Save R3 060) (Save R1 506)
Gold Pass (Any 4 days) R20 885 + VAT R23 205 + VAT R24 365+ VAT R25 525 + VAT
*Please indicated below which days = R23 808.90 = R26 453.70 = R27 776.10 = R29 098.50
you will be attending (Save R5 289) (Save R2 644) (Save R1 322)
Silver Pass (Any 3 days) R16 625 + VAT R18 470 + VAT R19 395 + VAT R20 315 + VAT
*Please indicated below which days = R18 952.50 = R21 055.80 = R22 110.30 = R23 159.10
you will be attending (Save R4 206) (Save R2 103) (Save R1 048)
Standard Pass R11 185+ VAT R12 425 + VAT R13 045 + VAT R13 607 + VAT
2 Day Cards Africa Conference = R12 750.90 = R14 164.50 = R14 871.30 = R15 512.00
(Save R2 761) (Save R1 347) (Save R640)
* Prepaid Cards Day (22 March) Cards Africa 2010 (23-24 March)
Mobile Money Day (25 March) Workshop 1 (22 March) Workshop 2 (25 March)
TotalAll tickets include refreshments, lunch and full conference documentation. The fee does not
include hotel accommodation. Please photocopy for group bookings.
Delegate name..........................................................................................................................................................................................................................
Job title............................................................................................................Organisation....................................................................................................
Industry.............................................................................................................VAT registration number.................................................................................
Address .....................................................................................................................................................................................................................................
Post code..........................................................................................................Country............................................................................................................
Tel.....................................................................................................................Fax...................................................................................................................
Email.................................................................................................................Dietary requirements Halaal Kosher ...........................................
Authorising manager........................................................................................Authorising manager signature......................................................................
Job title............................................................................................................Email ...............................................................................................................
Your details
Africa
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