The Future of Cards & Payments
Marketforce and the IEA's 5th Annual Conference: Discuss advanced payments and hear from leading market innovators at the UK’s premier strategic event
27th & 28th June 2012, One Whitehall Place, London
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Conference Agenda
Print ProgrammeWednesday 27 June 2012, One Whitehall Place, London
The Future of Cards and Payments Day One
Introduction to the IEA
Chairman’s opening remarks
SESSION ONE: STRATEGIC INSIGHT FOR A PROFITABLE FUTURE
Focus on the future: ensuring a continually innovative payments market

Steve Perry
Commercial Director, Visa Europe
Steve Perry
Commercial Director, Visa Europe
Biography
Dr Steve Perry joined Visa in 1990 and is Executive Vice President and Commercial Director for Visa Europe, based in London. He is responsible for delivering Visa's business plans and strategies in 36 markets, with a team present in 20 countries.
Steve was previously Executive Vice President, Chief Financial Officer, Visa Europe. Steve is a member of the Visa Europe Executive Management Committee.
Steve directed Visa's preparations for the single European currency, working with Visa's members to ensure the transition was smooth and cost-effective and made the world's first euro transaction in 1999. Prior to joining Visa, Steve was Group Economist for the TSB group.
He holds a Masters degree in economics from the University of London and a doctorate in the same subject from the University of Keele.
Steve is also a Non Executive Director and Chair of the ARF of E-ACT, a fast growing foundation established to promote excellence in education and learning in City Academies. He is also a Board Member of the CBI Financial Services Council, the 2012 Social Legacy Board and TheCityUK.
Steve was awarded the title of Cavaliere by the President of Italy in July 2005.
Payment evolution: how advanced payments are changing the market

Rob Harper
Head of Retail Services EMEA, PaypalStrategies for success: examining the card market’s opportunities and challenges

Simon Cadbury
Head of Strategy & New Technology, Credit Cards, Lloyds Banking GroupPANEL DISCUSSION: Visions for the year ahead details
- What will the big changes be as we move towards 2013?
- Will this be the year contactless becomes the norm?
- How will new entrants affect the existing market structure?
- How can we establish the infrastructure needed for advanced payments?
- How can industry co-operation become a practical reality?
- Which companies will be best suited to embracing new technologies?
- What scenario would lead to a return to profitability in the credit cards market?
- How serious is it for banks to fall behind in the online wallets space?
- Is there a pressing need to improve operational efficiency in the industry?
Questions will be taken from the floor.

Steve Perry
Commercial Director, Visa Europe
Steve Perry
Commercial Director, Visa Europe
Biography
Dr Steve Perry joined Visa in 1990 and is Executive Vice President and Commercial Director for Visa Europe, based in London. He is responsible for delivering Visa's business plans and strategies in 36 markets, with a team present in 20 countries.
Steve was previously Executive Vice President, Chief Financial Officer, Visa Europe. Steve is a member of the Visa Europe Executive Management Committee.
Steve directed Visa's preparations for the single European currency, working with Visa's members to ensure the transition was smooth and cost-effective and made the world's first euro transaction in 1999. Prior to joining Visa, Steve was Group Economist for the TSB group.
He holds a Masters degree in economics from the University of London and a doctorate in the same subject from the University of Keele.
Steve is also a Non Executive Director and Chair of the ARF of E-ACT, a fast growing foundation established to promote excellence in education and learning in City Academies. He is also a Board Member of the CBI Financial Services Council, the 2012 Social Legacy Board and TheCityUK.
Steve was awarded the title of Cavaliere by the President of Italy in July 2005.

Rob Harper
Head of Retail Services EMEA, Paypal
Simon Cadbury
Head of Strategy & New Technology, Credit Cards, Lloyds Banking GroupRefreshments
SESSION TWO: CONTACTLESS – ADVANCED PAYMENTS IN PRACTICE
Gaining traction on the ground: taking contactless into the mainstream details
- Have customers embraced contactless technology?
- Will the Olympics be the push required to unlock consumer appetite?
- What can be done to persuade merchants to take up contactless technologies?
- How can the industry work better to embed these technologies?
- How can consumers be persuaded of the safety of contactless?

Dave Reynolds
Head of Debit Cards, Barclays BankEmbracing the contactless transition details
- The London Olympics: a contactless success story
- QR codes and NFC apps: two visions for mobile contactless payments
- How can we use contactless to deliver demonstrable consumer benefits?
- Growing the market: looking to the future of contactless

Ian Benn
Managing Director, FIS GlobalCase Study: EAT details
EAT have been one of the biggest early proponents of contactless payments. Here they discuss why they’ve adopted this strategy, how it has worked in stores so far, the customer response and their vision for the future of contactless.

Rene Batsford
Head of Information Technology, EATQuestions
SESSION THREE: PREPAID CARDS – OVERCOMING CONSUMER RESISTENCE
Boosting the uptake of prepaid: ensuring a compelling proposition details
- What changes can prepaid issuers make that will update and differentiate prepaid cards?
- What opportunities exist for prepaid in the mobile payments sphere?
- Will increased adoption of other advanced payments boost prepaid uptake?
- How do changes in consumer spending patterns affect the popularity of prepaid cards?
- Will security concerns around advanced payments encourage consumers to use prepaid?

Matthew Mayo
Head, Market Expansion & Expert Sales, Mastercard
Matthew Mayo
Head, Market Expansion & Expert Sales, Mastercard
Biography
Matthew joined MasterCard in 2010 and is Head of Market Expansion and Expert Sales for UK and Ireland. In the Market Expansion team, Matthew is responsible for maximising business development opportunities with new customers in traditional and non-traditional sectors in the UK and Ireland division. Matthew is also responsible for the Expert Sales team, with focus on Core Payments looking after Debit, Credit, PrePaid and Commercial products. His team work to identify, develop and deliver customer led opportunities for MasterCard’s existing customer base.
Questions
Case Study: Orange Cash details
Orange cash prepaid cards are contactless and provide consumers with top-up rewards for their phones when they are used instead of cash or debit cards. Here, Orange explains what benefits this system has for them and their customers, and how it can open up business opportunities with younger customers.

Karen Walsh
Head of Orange Cash, OrangeQuestions
Lunch hosted by HP
SESSION FOUR: FRAUD IN A CHANGING PAYMENTS MARKET
Keynote Address: Examining the true impact of fraud in emerging payment types

Stephen Harrison
Chief Executive, National Fraud AuthorityQuestions
Advisory Session
PANEL DISCUSSION: Anticipating new threats in advanced payment methods details
- How have advanced payments affected fraud trends?
- Where will the greatest challenges in fraud come from this year?
- Have people become complacent about fraud?
- As all payments have risks, is there such thing as an acceptable level of fraud?
- Who is responsible for losses due to fraud on a mobile phone?
- Are online wallets a significant fraud risk?
Questions will be taken from the floor.

Debbie Strickland
Functional Leader, Strategy & Fraud Management, Co-operative Financial Services
Karen Tyler
Head of Fraud Strategy, Santander
Stephen Harrison
Chief Executive, National Fraud AuthorityRefreshments
SESSION FIVE: TAKING ONLINE PAYMENTS TO THE NEXT STAGE
Building consumer confidence in advanced payments details
- From marketing campaigns to better fraud software: how can consumers be reassured?
- How can each player across the value chain best help boost uptake?
- How can we balance security and convenience?
- How can hurdles encountered to date be avoided with future product launches?
Innovating to win in the advanced payments battleground details
- Telcos, retailers and banks go head to head: collaborate or compete?
- Lessons from m-commerce delivery projects in US and Europe
- Creating bespoke offers for customers: changing the loyalty proposition
- Harnessing unstructured data: a best practice approach
- Augmented Reality: how will AR alter provider/consumer interaction?

Ed Adshead Grant
Card & Payment BPO Lead, EMEA, HPAre online wallets the next big payments revolution? details
- What will entrants such as Google do to the online payments market?
- What do online wallets offer customers that will make them popular?
- Mobile wallets: opportunities in convenience vs concerns regarding security
- Unification of remote and proximity payments

Max Geerling
Head of Card & iDEAL Payments, Currence
Max Geerling
Head of Card & iDEAL Payments, Currence
Biography
Since 2011, Max Geerling is Head of Cards and iDEAL Payments at Currence, the owner of the Dutch electronic payment products and online payments system iDEAL.
Following his study in computing science, Geerling started his career as a researcher and architect.
From 2002, he held a management position at a software & electronics engineering company, where he was responsible for projects in e-payments, mobile payments and payment terminals.
Next, Geerling was a managing consultant, acting in various roles and projects, most recently concerning SEPA products and cards (acquiring & processing).
Geerling holds a PhD in Computing Science from the University of Nijmegen.
Questions
Chairman’s closing remarks and end of day one
Thursday 28 June 2012, One Whitehall Place, London
The Future of Cards and Payments Day Two
Chairman’s opening remarks
SESSION SIX: INNOVATION – WHERE DO WE GO FROM HERE?
INTERACTIVE SESSION: THE LONG VIEW details
Our experts will present scenarios for 2022. Delegates will then discuss these in their groups, record their thoughts and will feed these back to the panel for further insights.
Towards a mobile world

Daniel Angel
Head of Mobile Payments, Everything EverywhereThe online world in ten years

Tom Gregory
Head of Digital Payments, Barclaycard
Tom Gregory
Head of Digital Payments, Barclaycard
Biography
Tom Gregory is responsible for the digital payments strategy at Barclaycard UK, including NFC / mobile payments, online payments, and adjacent areas in the payments cycle. He was previously head of change at the card company, tasked with overhauling the merchant acquiring, commercial and international lending and issuing business, which included integrating 1.5 million Goldfish card customers into Barclaycard's operations. Prior to joining the firm he worked at FirstCaribbean Bank in 2003 where he oversaw the merger of Barclays Caribbean and CIBC to create the new entity.
Title to be confirmed

Senior representative
AdeptraPanel Discussion: The future of advanced payments technology details
- What difference will new entrants have made to the market by 2022?
- Will we have seen a wholesale shift to advanced payment methods?
- Do signs like the cancellation of the end migration date for cheques show that consumers will stick with existing payments methods?
- What will be the key turning points over the next decade?
- Will government provide any thought leadership or guidance to change the market?
- What are the potential pitfalls with new payment methods?
- Will we be any closer to a cashless society by 2022?

Daniel Angel
Head of Mobile Payments, Everything Everywhere
Tom Gregory
Head of Digital Payments, Barclaycard
Tom Gregory
Head of Digital Payments, Barclaycard
Biography
Tom Gregory is responsible for the digital payments strategy at Barclaycard UK, including NFC / mobile payments, online payments, and adjacent areas in the payments cycle. He was previously head of change at the card company, tasked with overhauling the merchant acquiring, commercial and international lending and issuing business, which included integrating 1.5 million Goldfish card customers into Barclaycard's operations. Prior to joining the firm he worked at FirstCaribbean Bank in 2003 where he oversaw the merger of Barclays Caribbean and CIBC to create the new entity.
CASE STUDY: iZettle details
Swedish startup iZettle is causing a stir with its easy to use payment processing technology. Here, Johan Bendz explains how iZettle will change the game in the mobile payments market, why consumers trust their technology, and what their vision for the project is.

Johan Bendz
Chief Marketing Officer, iZettleQuestions
Refeshments
SESSION SEVEN: INNOVATIVE STRATEGIES FOR CUSTOMER RETENTION
Creating a successful customer loyalty scheme details
- What do customers look for in loyalty schemes?
- What aspects of loyalty schemes lead to long-term customer retention?
- How important is a strong brand identity to retaining customers?
- How has continued economic uncertainty affected the success of loyalty schemes?

Jan Pieter Lips
Managing Director, NectarCASE STUDY: Tesco Clubcard details
Tesco has seen continued success of its loyalty programmes over time. This presentation will explore how it chooses rewards, how it has varied its offering across demographics and how it is expanding its loyalty programmes with the growth in take up of advanced payments.

Janet Smith
Clubcard Director, Tesco Stores
Janet Smith
Clubcard Director, Tesco Stores
Biography
Janet is the Group Clubcard Director at Tesco - accountable for both Tesco UK Clubcard Operation and also for developing the Clubcard strategy and Operating Model for the Tesco Group. Janet has worked at Tesco for 17 years and prior to working on Clubcard was Space, Range and Merchandising Director and Price, Promotions and Trade Planning Director.
Earlier in her career Janet was a buyer in fresh food and qualified as a Management Accountant starting her career in Finance at Nestle and Mars confectionery.
Janet graduated from Loughborough University in Economics and Accountancy, where she was able to pursue her love of Athletics in which she represented Great Britain in the 1988 Seoul Olympics.
Advisory session
Engaging consumers with social media details
- What new opportunities does social media offer for engagement?
- Are consumers willing to engage via social media?
- How does the use of social media for loyalty need to differ from general use?
- What will be the next social media innovation?

Yann Gourvennec
Director – Web, Digital & Social Media, Orange GroupQuestions
Lunch
SESSION NINE: THE MOBILE PAYMENTS REVOLUTION
Peer to Peer Discussion details
Delegates will discuss in four facilitated groups their experience and ideas around the following topics:
- Raising consumer awareness: marketing campaigns or media exposure?
- How can players across the value chain work together to boost uptake?
- Is emphasising fraud software enough to allay security concerns?
- What is the key to driving consumer demand?
Facilitators will then feed back to the chair their group’s main points of discussion and conclusions
CASE STUDY: Pingit details
Barclays’ flagship new mobile payments system is the first of its kind in the UK. Here, Phil Sowter will explain what made Barclays take the leap into peer-to-peer payments, why it will be attractive to customers and the future applications of this kind of innovation.

Phil Sowter
Director, Mobile Banking, BarclaysAdvisory Session
Mobile payments: an update on a rapidly growing technology details
- What are the main roadblocks to mobile payment implementation?
- Which technologies are likely to become dominant?
- What percentage of mobile-enabled phones are being used for mobile payments?
- How can issuers improve retailer take-up?

Gerhard Romen
Mobile Financial Services Director, NokiaQuestions
Chairman’s closing remarks and end of conference
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