This document provides information on two post-conference workshops at the Nordic Card Markets and Future Payment Solutions conference on January 27th, 2016 in Copenhagen, Denmark. The first full-day workshop titled "The Future of Payments" will give attendees an in-depth overview of the payments landscape, including new products, regulations, and key players. The workshop will be led by Robert Courtneidge and examine issues like virtual payment cards, merchant acquiring models, and cryptocurrencies. The second half-day workshop titled "Payments Future: What next for Cards & POS?" will look at how card payments and the acceptance environment have evolved and may change in the Nordic region, driven by regulation. Led by

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

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