www.nordiccardevent.co.ukRegister online or alternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711

“Very valuable quality of speakers” Entercard

“Good value.” Luottokunta

NORDIC CARD MARKETSTowards payment systems convergence21 - 22 January 2013, Radisson Blu Royal Hotel, Copenhagen, Denmark

SMi present their 12th annual…

EARLY BIRD DISCOUNTSBOOK BY 28TH SEPTEMBER SAVE £300BOOK BY 31ST OCTOBER SAVE £100

CONFERENCE CHAIR: The Nordic region is one of the most dynamic regions in Europe, with the highest levels of non cash transactions per inhabitant in Europe. Governments and the Banks in the Nordic countries have made a concerted effort to drive the adoption of new electronic payment technologies.

Join us to meet the key players, movers and shakers in the cards and payments community, and to explore the latest card trends and opportunities in the Nordic region!

Attend this conference to hear about the latest on: • TheEuropeanCommission’sgreenpaper

onanintegratedEuropeanmarketforcard,mobileandinternetpayments

• Theshifttowardsbankingappsandsocialmedia

• Cardinnovation• Thelatestcardproductsintheregion• Crosssellingstrategies• Thelatestcardloyaltyprogrammes• Mobile,internetandcontactlesspayments

Francesco Burelli, Partner, Value Partners, UK

SPEAKER PANEL INCLUDES:

Rita Wezenbeek, HeadofPaymentsUnit,DGCompetition,FinancialServicesDirectorate,European Commission

Liisa Kanniainen, VicePresidentPaymentsInfrastructure, TransactionProducts, Nordea, Finland

Nils Petter Johnsen, HeadofProductDevelopment, Sparebank, Norway

Bjorn Flismark,SeniorVicePresident,SEB, Sweden

Michael van Doeveren, SeniorPolicyAdvisor, De Nederlandsche Bank, Netherlands

John Moller, HeadofCards,Nordea, Denmark

Henrik Bergman, SeniorManager,Market&Infrastructure,SEB, Sweden

Bent Bentsen, SeniorAdvisor,GroupPaymentsandInfrastructure,DNB Bank, Norway

Jim Bannerman, HeadofRestaurantSolutions, McDonald’s, UK

Sirpa Nordlund, ChiefExecutiveOfficer,Mobey Forum, Finland

Pasi Hannonen, SeniorResearchAnalyst,Euromonitor International, Lithuania

Tuuli Perkio,BusinessLeader,DebitEurope,Mastercard, Finland

PLUS TWO HALF-DAY POST-CONFERENCE WORKSHOPS - 23 JANUARY 2013

A: The (R)evolution of FraudLed by: Stefan Claeser, CEO, Paymint

8.30am - 12.30pm

B: NFC and Contactless – What’s in it for me and my Company?

Led by: Gerhard Romen, NFCGuru, GWR Consult1.00pm - 5.00pm

NORDIC CARD MARKETSDAY ONE I 21 JANUARY 2013 www.nordiccardevent.co.uk

“The conference was very well organised.” Visa Europe

Supported by

Register online at www.nordiccardevent.co.uk • Alternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711 • GROUP DISCOUNTS AVAILABLE

8.30REGISTRATION & COFFEE

9.00Chairman’s Opening Remarks

Francesco Burelli,Partner,

Value Partners, UK

9.10The new green paper on card, internet and mobile payments• Whatarethemainissues?• Howdoesthecommissionproposetoaddressthem?• Whatwillthismeanforcompetitioninthepayments

markets?Rita Wezenbeek, HeadofPaymentsUnit,DGCompetition,FinancialServicesDirectorate,European Commission

9.50

SEPA from a Swedish and an international perspective

•SEPAFoundations:selfregulationandlegislation

•ThegeographicalreachofSEPAandtheimpactofthePayment

ServiceDirective

•SEPAmigrationintheNordicregion

•Remainingchallengesandnewlyemergingpolicies

•Governanceandfuturedriversofinnovation

Henrik Bergman, GlobalProductManagerSEPA,SEB, Sweden

10.30MORNING COFFEE

11.00Future of payments - from pilots to commercial projects • Thedisruptiveforcesonthepaymentsmarket• Internationalandnon-bankpaymentcompetitors• Istherearoleforbanksinthefutureofpayments?• Whicharetheadvantagesthatbankscanbuildon?

Liisa Kanniainen, VicePresident,PaymentsInfrastructure,TransactionProducts,Nordea, Sweden

11.40E-commerce in Europe – new payment solutions and challenges• Trendsandprogressfore-commerce–Europe’sDigitalAgenda• MyBankinitiative• Europewidee-paymentservice• Overviewofpilotprojectsandthenextphase• Theevolutionofservices• Overlaypaymentservices• Whatitit?Benefitsandrisks?

Bjorn Flismark,SeniorVicePresident,SEB, Sweden

12.20NETWORKING LUNCH

1.40Mobile shopping: will the retail and payments industries manage to deliver the promises?• Thepromiseofanextendedshoppingexperience• UsingmobilephonesandNFCtechnology• Experiencesfromthepastseveralyears• Whatisholdingtheevolutionback?

Bent Bentsen,SeniorAdvisor,GroupPaymentsandInfrastructure,DNB Bank, Norway

2.20Case study – the introduction of contactless payments in the UK• Improvingcustomerexperience• Expectations:slowbutsteadygrowthleadingtoincreased

revenue• Utilisingtheadvantagesofcontactlessnearfieldtechnologyin

ordertodrivesalesforward• Providinganewoutletforthecompany’smarketingstrategy:

Loyaltyspace,promotionsandvoucheringJim Bannerman,HeadofRestaurantSolutions,McDonald’s, UK

3.00 AFTERNOON TEA

3.30

When Worlds Collide - Payments Meets Mobile• Paymentsandmobile• Whatmakesusthinkthatitwillbedifferentthistime?• Whathaschangedintermsoftechnology,consumerappetite,

marketplayersandbusinessmodels?

• Why2013isapivotalyearandexpectationsfor2020

Mark Austin, HeadofVisapayWave,

Visa Europe4.10What is the future of payments?• Convergence,competitionandcollaboration• Developingacomprehensivepaymentstrategy• Thechangingcustomer• Technologyandcardinnovation• Theconvergenceofestablishedandnewpaymentplatforms

Gerhard Romen, NFCGuru, GWR ConsultSirpa Nordlund, ChiefExecutiveOfficer,Mobey Forum, Finland

4.50CHAIRMAN’S CLOSING REMARKS AND CLOSE OF DAY ONE

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www.nordiccardevent.co.uk“The conference was very well organised.” Visa Europe NORDIC CARD MARKETS

DAY TWO I 22 JANUARY 2013

Register online at www.nordiccardevent.co.uk • Alternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711 • GROUP DISCOUNTS AVAILABLE

SMi’s Event Communities – NEW to 2012SMi Groupisaglobaleventsorganiserspecialisinginbusinesstobusinessconferences,workshopsandmasterclasses.TofurtherenhancetheSMiexperience,wehavelaunchedourveryownSMiEventCommunities.Thesewillbeexclusive,privateandsecurecommunitiesinwhichourclientswilllearn,share,engageandnetwork.TheSMiEventCommunitieswillbuildandexpandyourexperiencebeyondtheconference,workshopormasterclassthatyouattend.Notjustanother“socialnetwork”,SMi’sEventCommunitieshavebeenspecificallydesignedaroundtheneedsofourdelegates,speakersandsponsors,allowingallofourclientstofosterlonger-termrelationshipswithotherattendeesforyearroundengagementbeyondtheevent.To take part all you need to do is register for this event.

8.30

REGISTRATION & COFFEE

9.00

Chairman’s Opening Remarks

Francesco Burelli, Partner,

Value Partners, UK

9.10

SpareBank 1 SMN - open loop as a focus area

•FromagoodideatoNordicambitions

•Theimportanceofdistribution

•ExpandingintheNordics

•Productdevelopmentinafastmovingmarked

Nils Petter Johnsen, BusinessDeveloper,

SpareBank, Norway

9.50

Session reserved for sponsor

• Strenghteningandbroadeningcardprogrammesintheregion

• Contactlessandmobilesolutions

Senior representative from a sponsor

10.30

MORNING COFFEE

11.00

Banks & new opportunities in mobile payments

• Futurepayments

• Theconceptandvaluepropositionsofmobilewallet

• Controlpointsandopportunities

• Thecrucialelement:point-of-sale

• Fragmentationorconvergenceofmobilepayments

Sirpa Nordlund, ChiefExecutiveOfficer,

Mobey Forum, Finland

11.40

Trends in the Nordic card acquiring market

• TheNordiccardacquiringmarket

• ContactlessinNordea

• TrendsintherolesofPSPs

• Newplayersinthemarket

John Moller, FirstVicePresident,Cards,

Nordea, Denmark

12.20

NETWORKING LUNCH

1.40

Creating a Debit Card Payment Habit

• Howdoconsumersovercomerelianceoncashandadoptacard

paymenthabit–inaLVPenvironmentandelsewhere

• Howcanbanksacceleratethisadoptionprocess

• Whataretheuniversaltruthsthefinancialinstitutionsshouldbe

mindfulofastheytrytoencouragecardusage

• Whataresomeofthemostsuccessfulcampaignsthathave

beenundertakentoadvocateadebitpaymentforpointofsale

transactionsandwhy

Tuuli Perkio, BusinessLeader,DebitEurope,

Mastercard, Finland

2.10

The vision of De Nederlandsche Bank on SEPA for Cards

• TheEuropeanCardsMarket

• SEPA-monitoroftheDutchmarket

• ThefunctioningofiDEAL

• DevelopmentswithrespecttoE-andM-Payments

• Policyissues

Michiel van Doeveren,SeniorPolicyAdvisor,

De Nederlandsche Bank, Netherlands

2.50

AFTERNOON TEA

3.20

Global payment patterns in times of uncertainty

• Nordiccountries-anadvancedregioninthepaymentsmarket

• Importantregionalvariationsregardingpaymentstoday,withsome

marketsmorereliantoncardsandothermodernpaymenttypes

thanothers

• Whichregions,emergingfromalowbase,arecurrentlyseeingthe

fastestgrowthinnon-cashpayments?

• VariationsinEurope:howdoNordic,MediterraneanandEastern

Europeanmarketsbehaveinatimeofeconomicuncertaintyonthe

continent

• Whatistheglobalforecastforthenextfiveyears?

• Examplesofinterestingsolutionsworldwide

Pasi Hannonen,SeniorResearchAnalyst,

Euromonitor International, Lithuania

4.00

CHAIRMAN’S CLOSING REMARKS AND CLOSE OF DAY TWO

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POST-CONFERENCE WORKSHOP A23 January 2013

8.30am - 12.30pm

THE (R)EVOLUTION IN FRAUD PREVENTION

Workshop overviewFraud-Management has recently been in the focus in theGerman market due to regulatory changes. Many banks andservice providers have implemented new, advanced tools toenhance their fraud protection. But the current situation oflowfraudratesresultsinageneralhesitationtoactrightnow.There are, however, considerable business challenges andrisks that require modern, agile solutions. Focusing on themobilepaymentsbusiness,thisworkshopwilldiscussboththeevolution of fraud and fraud prevention solutions highlightingthebenefitsofautomaticdataanalysisandfraudrulecreation:Betterperformance(Detectionrateandfalse/positiveratio)atmuchlowercostsarepromised.

Why you should attendTheworkshopisaimedateveryonewhoisinvolvedinfraudandrisk management, fraud prevention or compliance. Delegateswill gain a broad understanding of current and future trendsin fraud-management. This will help them to evaluate andmake informed decisions regarding the selection of fraudpreventionsolutions.Bypresentingacustomercasestudyweprovideinsightsoftherealexperiencewhensettingupmobilepayments,focusingonallaspectsoffraud&riskrequirements.

Agenda

8.30 Registration and Coffee

9.00 Opening Remarks and Introduction

9.10 Development of fraud – Current Situation

and Trends

9.30 Fraud in the mobile payments world

10.00 Fraud & Risk requirements and challenges

10.15 Coffee Break

10.35 Evolution of Fraud Prevention

11.00 New Solutions vs. more of the same

11.35 Customer Case study

12.30 Conclusions and Close of Workshop

About your Workshop HostsStefan Klaeser started his career in 1992 in thebanking-IT business and after two years joined astartup Issuing Processor. Within the organizationdepartment, he was responsible for a number ofprojects.From1999until2004,heledtheDisputeandFraudManagement team.Before foundingPAYMINT

in early 2009, he was responsible for product management offraud, dispute and case management systems at the marketleaderofpaymentsystemsworldwidefrom2005–2008

Erwin Petschisahighlyexperiencedprofessionalwith23years in internationalcardbusiness.Employedatseveral large banking groups, mostly in CEE (suchasRaiffeisen,Unicredit,etc.)until2008,hehasbeenheading nearly all back office operational units

(Authorisations,ChargeBack,Fraud,CustomerService,etc.) forIssuingandAcquiring.Inearly2009heestablishedhisowncardconsulting enterprise. Prior to joining PAYMINT as senior cardconsultant, he has been predominantly involved with projects intheGermanmarket(Fraudprevention,DebitCardoperations,etc.)formajorfinancialinstitutionssuchasCommerzbank.

About the Company:Since2009PAYMINTisasolutionprovidertotheglobalpaymentsindustry.Wedevelopstateoftheartsoftwaresolutionsinitiallyaddressing payments fraud. We offer business and technicalsupport for the entire payment value chain – from transactionto dispute management. Our proven technology, combined withthe know-how and experience in payment systems provides auniquepropositionforcustomerstoachievesubstantialsavings.MINTifyisourrevolutionarysolutionbasedonlatestdataminingtechnology that provides data analysis and automatic fraud rulecreationforallrulebasedfraudpreventionssystems.www.paymint.com

HOSTED BY:

Want to know how to get involved? Interested in promoting your finance services

to this market? Contact Kiran Sharma, SMi Marketing on

+44 (0)20 7827 6050 or email: ksharma@smi-online.co.uk

POST-CONFERENCE WORKSHOP B23 January 2013

1.00pm - 5.00pm

NFC AND CONTACTLESS – WHAT’S IN IT FOR ME AND MY COMPANY?

Key topic will include:• Howtocreateasolidbasisforunderstanding

contactlesspayments,methodologies,capabilitiesandimplementationoptions

• Whoarethekeyplayersinthemarket

• Howtodevelopvaluemodelsfromabusinesspointofview

• Howtoreviewimplementationoptionsandbenefits.

Agenda

1.00 Registration and Coffee

1.30 Opening Remarks and Introduction

1.45 NFC – What is it?

2.00 Technology and applications

2.30 Standards status

2.45 Afternoon Tea

3.00 Development and Future

3.30 NFC Players and Implementations

4.00 Consumers vs B2B

4.30 Ecosystem

4.45 Case studies

5.00 Close of Workshop

About your Workshop Host

Gerhard Romen contributesyearsofin-depthexperiences within the mobile financialsolutions and services. Before joining GWRConsult,hedevelopedinNokianewbusinesssolutions, driving, incubating and bringing tomarket mobile solutions, such as Nokia´s

early stage mobile banking platform in 1999, its emailofferingin2001andNokiasNFC-basedofferingsfrom2004onwards.HehasbeenservingontheNFCForumsBoardofDirectorsandasaViceChairmanoftheNFCForumformorethan5yearsaswellasamemberoftheboardof theMobeyForumandas itsChairmanof theMarketingCommittee.From2008onwardsuntilrecentlyGerhard was Director of Nokia’s Mobile FinancialServicesencompassingallaspectsofmobilepayments.

About the Company:GWRConsult´sbusinessfocusesonallaspectsofMobileMoney,MobilePaymentandNFCprovidingboardleveladvisoryaswellaprojectplanningandimplementations.

HOSTED BY: GWR Consult

SPONSORSHIP AND EXHIBITION OPPORTUNITIESSMi 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, SMi Sponsorship on (0)20 7827 6168 or email: amalick@smi-online.co.uk

If you have any further queries please call the Events Team on tel +44 (0) 870 9090 711 or you can email them at events@smi-online.co.uk

NORDIC CARD MARKETS Conference: 21-22 January 2013, Radisson Blu Royal Hotel, Copenhagen Workshops: 23 January 2013

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