Home
overview

The card and payments solutions market is at an important tipping point. Technological innovation has yet to be translated into concrete commercial opportunities by card issuers. In the Nordic region there is little activity in contactless payments and mobile solutions have yet to settle on a technology and delivery method. The payments market as a whole is in flux and is being disrupted by innovation from new payment entrants.


For contactless the biggest obstacle to take up across the region has been the adoption of NFC terminals and who should pay for them. In addition, in an economically challenging period resistance from smaller merchants poses a problem. Mobile could be said to be supporting a cashless society but where’s the benefit? For merchants it’s quicker transaction times but how much more cashless does there need to be? What’s the benefit at all of mobile or contactless for smaller merchants?


Nordic Card Markets and Future Payments Solutions 2014 will examine how the various players in the industry will have to overcome merchant rejection and deal with consumer apathy. With case study example the conference will set out how to apply the right technological solutions and the right benefit proposition to both groups.
 

Delegates to the conference will gain a comprehensive understanding of market and technology developments for the card services and payment solutions sector in the Nordic region by hearing from experienced product, strategy, and innovation leaders giving presentations in the following 6 sections of the event.

1. Market drivers: Putting the consumer at the heart of card services strategy
2. Market drivers: Delivering the right technology and looking ahead to new regulation
3. Future payment solutions strategy: Choosing your path to m-payments
4. Consumer insight and research: How will customers want to pay in the cashless society?
5. International branding and m-payments product development case studies
6. How Big Data and predictive analytics can help mature the payments market
 

   

The core audience for the conference will come from banks, card issuers, mobile telecom, and non-bank payments market entrants with responsibility for the following:

  • Card Services
  • Payment Systems and Infrastructure
  • Product Development/Marketing
  • Contactless/NFC
  • m-payments
  • Card Services/Payments Innovation and Strategy

Previous delegates have been drawn from the following companies:

ABN AMRO Bank; Accenture; ACI Worldwide; Austria Card; BPC Banking Technologies ; CDI Associates; Cerdo Bankpartner; COMMISSION ON MONETARY POLICY, FINANCE, BANKING, FRAUD AND TECHNOLOGY; Compass Plus; Danish Competition and Consumer Authority; Danske Bank; De Nederlandsche Bank N V; DNB; DNB Bank ASA ; EDB ErgoGroup; Ekspres Bank A/S; Equens SE; Euromonitor International; European Commission; Flytoget AS; GWR Consult; Ingenico; Konkurrensverket (Swedish Competition Authority) (Sverige); Lloyds Banking Group; Mastercard Europe; MasterCard Worldwide; Mobey Forum; Nets A/S; Nordea; Nordea Bank Danmark A/S; Nordea Bank Danmark A/S; PARLIAMENTARY COMMITTEE ON PUBLIC FINANCE, BANKING, COMMUNICATIONS, ICT; Paymint AG; Savantor Limited; SEB KORT; SEB Merchant Banking; Signicat; SIGNICAT AS; SiNSYS NV/SA; SpareBank 1 SMN; Swedbank Card Services; TECHSQUARE NIGERIA LIMITED ; Telrock; Tieto; TSYS Card Tech Services Ltd; TSYS International; Value Partners; VISA Europe; Visa Norge Bankgruppe;

Conference programme

8:30 Registration & coffee

8:55 Chairman's opening remarks

Niklas Arvidson

Niklas Arvidson, Associate Professor, Royal Institute of Technology

9:00 Delivering cards and payment solutions that customers actually want

Fredrik  Sauter

Fredrik Sauter , General Manager Nordics, American Express Ltd, Proprietary Card Services

 

·         Has too much emphasis been placed on technology rather than consumer insight?
·         How does branding and market positioning drive card uptake and e-payment usage?
·         How do different market segments respond to different card/payments propositions?
·         What role do benefit packages play in making products and solutions more attractive?

9:35 The Mobile Wallet: Strategic options for banks

Kristian Thure  Sørensen

Kristian Thure Sørensen, Senior Manager, Mobile Payments and E-commerce , Nets
View Bio

 

  • Who is actually competing in the mobile wallet war and for what?
  • What a mobile wallet really is
  • The strategic options this offers banks
  • How an understanding of the surrounding ecosystem is key to success

10:15 Getting the business case right - Identifying the prerequisites for success for card and future payment solution activation and usage

Jan-Olof Brunila

Jan-Olof Brunila, Deputy Director, Group Cards, Swedbank

 

·         How to drive new business and revenue streams
·         Changing the customer’s mindset – a great product is not enough
·         Faster payments – not an added value but a prerequisite
·         How the slide between traditional payments methods adds complexity and competition
·         What regulatory requirements are on the horizon that may inhibit product development?

10:50 Morning coffee

11:10 Servicing the small businesses and merchant sector effectively on mobile

Richard Johnson

Richard Johnson, SVP, Strategy , Monitise

 

·         Mobile money for financial institutions - the opportunity and the threat!
·         What mobile money means for small businesses and merchants
·         Driving 'Top of wallet' for financial institutions
·         SME mobile banking: value-added services and new revenue streams

11:50 Panel discussion: Is the contactless card dead and if not what will resurrect it?

 

·         The uptake of NFC terminals and who should pay for them, merchant or card issuer?
·         Is the retail market environment in the Nordics and elsewhere just too fragmented for the cost of contactless infrastructure ever to be economically viable?
·         How much more cashless does Northern Europe need to be? What are the benefits and why should smaller merchants care?
Axel Beune

Axel Beune, Business Manager Retail Cards & Payments , ABN AMRO Bank

Niklas Arvidson

Niklas Arvidson, Associate Professor, Royal Institute of Technology

Mats  Henriksson

Mats Henriksson, , Independent Consultant

Jan Staal Rasmussen

Jan Staal Rasmussen, First Vice President, Nykredit

12:25 Retail Payments post 1st February 2014 and the next phase for SEPA

Michiel Van Doeveren

Michiel Van Doeveren, Senior Policy Advisor, De Nederlandsche Bank (Dutch Central Bank)

 

·         What is the status of migration to SEPA in the Netherlands and the EU?
·         Changes in the European payments landscape due to SEPA (PSD2, products, channels, players)?
·         Cross-border payments behaviour of Dutch consumers abroad
·         What is the vision of DNB with respect to the dynamics of e and m payments – can any new SEPA arrangements keep pace with change? 

13:00 Networking lunch

14:10 Mobile (wallet) payment solutions security - What should banks, acquirers, and merchants be planning for?

Jeremy King

Jeremy King, European Director, PCI Security Standards Council, LLC

 

·         How will security issues differ from the past?
·         What sort of new challenges might stakeholders expect in the future?
·         How will SEPA rules impact on security policies?

14:45 Enhancing the user experience across digital channels

Arne Vidar Haug

Arne Vidar Haug, Vice President, Co-Founder, Signicat

 

·         Delivering on customers’ expectation of fast and convenient access anywhere, anytime and on any device
·         Meeting this customer demand without compromising security, compliance and cost
·         Increasing the adoption and usage of online and mobile banking services leading to significant operational and capital cost savings

15:25 Afternoon tea

15:45 Future payments research - how will customers handle new payments methods?

Mikkel Freltoft Krogsholm

Mikkel Freltoft Krogsholm, Head of Danish Payments Lab, Future of Money, CFIR (Copenhagen Finance IT Region)

 

·         What does research tell us about how consumers view current payment methods?
·         What are consumers looking for in the payment solutions of the future?
·         What do the results tell us about how the payments market needs to adapt to engage with consumers?

16:20 Payment card issuing and acquiring - the Nordics vs the rest of Europe

Marianna De Silvo

Marianna De Silvo, Senior Research Analyst , RBR London

 

·         Overview of the payment card issuing and acquiring in Europe
·         Analysis of key characteristics of cards markets in the Nordics
·         The impact of the internet and mobile banking on payment cards in Europe

16:55 Chairman’s closing remarks

Niklas Arvidson

Niklas Arvidson, Associate Professor, Royal Institute of Technology

17:00 Drinks reception hosted by nets

18:30 End of day one

8:30 Registration & coffee

9:10 Chairman's opening remarks

Mats  Henriksson

Mats Henriksson, , Independent Consultant

9:15 VALYOU - launching NFC services in Norway

Tor	 Jacobsen

Tor Jacobsen , Chief Executive Officer, TSM Nordic

 

·         Do customers want to get rid of their physical wallet?
·         What is the full potential of NFC-enabled mobiles? Results from the launch of VALYOU and the NFC City Tromsø pilot
·         What are the knock-on implications for payment solutions providers?

9:50 How will Bitcoin disrupt the future payments market topology?

Michael  Gronager

Michael Gronager, Chief Operating Officer, Payward

 

·         Will the Nordic region champion and drive Bitcoin adoption owing to its aversion to credit and instinct for payment on demand?
·         Are m-payments and Bitcoin a perfect match?
·         Will low-denomination, person-to-person transfers drive Bitcoin acceptance?

10:25 Morning coffee

10:50 Payments at the heart of the user experience: Case studies from the retail, automotive, and banking sectors

Michel-Ange  Camhi

Michel-Ange Camhi, Senior Consultant, Strategic Projects, Worldline

  • From traditional “bricks & mortar” to innovative multichannel
  • Beyond multichannel, unexpected payment experiences
  • How banks can drive the payments at the heart of the user experience
  • 11:30 How would you like to pay: card, phone or cloud? - An introduction to “secure element in the cloud”

    Jan Dart

    Jan Dart, Advisory Director, Bell ID

     

    ·         The evolution of the TSM
    ·         The emergence of an alternative - cloud 
    ·         Principles, advantages & disadvantages of cloud
    ·         How might it be implemented now and in the future

    12:10 Networking lunch

    13:20 Successful acquirer collaboration on PCI: A Nordic case study

    Mats  Henriksson

    Mats Henriksson, , Independent Consultant

     

    ·         Allowing for transfer of monies between individuals without having to know their bank account details
    ·         Beyond making it easy to split a bill at a restaurant can SWIPP drive electronic payment use?
    ·         What are the benefits of this payment solution over other mobile or e-payments?

    13:55 Case Study: Mobiel Betalen Nederland (MBN) partnership

    Michel Drupsteen

    Michel Drupsteen, Senior Business Consultant, ING
    View Bio

     

    ·         Ensuring a smooth introduction for mobile payments to the Netherlands – the Leiden pilot
    ·         Establishing an open and accessible payment infrastructure
    ·         How has collaboration between traditional card market players (ABN AMRO, ING and Rabobank)driven innovation?

    14:30 Afternoon tea

    14:55 Case study: Danske Bank’s MobilePay

    Bo Tolstrup Christensen

    Bo Tolstrup Christensen , Chief Consultant, Danske Bank Group

     

    ·         How were customer needs integrated into the execution of MobilePay?
    ·         How has MobilePay differentiated itself from other mobile app payment offerings?

    15:30 How to migrate to virtual cards for mobile

    Kasimir	 	 Hirn

    Kasimir Hirn, Vice President, Head of Cards, OP Pohjola Group

     

    ·         How should you decide between SIM based, handset based, or cloud based solutions?
    ·         What additional services do you need to provide to increase uptake of m-payments?
    ·         Will ease of use overcome any concerns over security for consumers?

    16:05 Chairman’s closing remarks and close of day two

    Mats  Henriksson

    Mats Henriksson, , Independent Consultant

    +

    FEATURED SPEAKERS

    Bo Tolstrup Christensen

    Bo Tolstrup Christensen

    Chief Consultant, Danske Bank Group
    Fredrik  Sauter

    Fredrik Sauter

    General Manager Nordics, American Express Ltd, Proprietary Card Services
    Jan Staal Rasmussen

    Jan Staal Rasmussen

    First Vice President, Nykredit
    Kasimir	 	 Hirn

    Kasimir Hirn

    Vice President, Head of Cards, OP Pohjola Group
    Kristian Thure  Sørensen

    Kristian Thure Sørensen

    Senior Manager, Mobile Payments and E-commerce , Nets
    Richard Johnson

    Richard Johnson

    SVP, Strategy , Monitise

    Arne Vidar Haug

    Vice President, Co-Founder, Signicat
    Arne Vidar Haug

    Axel Beune

    Business Manager Retail Cards & Payments , ABN AMRO Bank
    Axel Beune

    Bo Tolstrup Christensen

    Chief Consultant, Danske Bank Group
    Bo Tolstrup Christensen

    Fredrik Sauter

    General Manager Nordics, American Express Ltd, Proprietary Card Services
    Fredrik  Sauter

    Jan Dart

    Advisory Director, Bell ID
    Jan Dart

    Jan Staal Rasmussen

    First Vice President, Nykredit
    Jan Staal Rasmussen

    Jan-Olof Brunila

    Deputy Director, Group Cards, Swedbank
    Jan-Olof Brunila

    Jeremy King

    European Director, PCI Security Standards Council, LLC
    Jeremy King

    Kasimir Hirn

    Vice President, Head of Cards, OP Pohjola Group
    Kasimir	 	 Hirn

    Kristian Thure Sørensen

    Senior Manager, Mobile Payments and E-commerce , Nets
    Kristian Thure  Sørensen

    Kristian serves as Senior Manager for Mobile Payments and E-commerce in Nets (www.nets.eu), a leading Northern European payment solutions provider, where he leads the strategic initiatives within Mobile Wallet services across the Nordic countries. Kristian is board member of the Mobey Forum (www.mobeyforum.org) and active contributor to Mobey Forum’s highly successful series of whitepapers on Mobile Wallets. Kristian holds degrees in communication and psychology, but has been working with digital solutions since the mid-90s and online financial services since 2002. His work has made him a frequent international speaker and panellist on the topic of mobile financial services.

    Marianna De Silvo

    Senior Research Analyst , RBR London
    Marianna De Silvo

    Mats Henriksson

    , Independent Consultant
    Mats  Henriksson

    Michael Gronager

    Chief Operating Officer, Payward
    Michael  Gronager

    Michel Drupsteen

    Senior Business Consultant, ING
    Michel Drupsteen

    Michel Drupsteen has worked for ING since 2002. He started his working career in 1995 at the Dutch network operator PTT Telecom and in 1997 he started working for Chipper, the Joint Venture between PTT Telecom and Dutch Postbank. After Chipper he worked as a business development manager at the smart card division of ACI Worldwide before joining ING.
    Michel has more than 15 years of experience in the payment and financial services domain with a focus on strategic, business development and/or inter-banking projects and initiatives, either in a consultancy or in a lead role. Currently Michel is representing ING in the Dutch Mobile payments initiative “MBN”, the program of the three Dutch banks with the objective to realize the first steps in bringing mobile payments to the Netherlands.
    Michel obtained his master degree Business Informatics at the Amsterdam University in 1994 and his MBA at the Rotterdam School of Management in 2002.

    Michel-Ange Camhi

    Senior Consultant, Strategic Projects, Worldline
    Michel-Ange  Camhi

    Michiel Van Doeveren

    Senior Policy Advisor, De Nederlandsche Bank (Dutch Central Bank)
    Michiel Van Doeveren

    Mikkel Freltoft Krogsholm

    Head of Danish Payments Lab, Future of Money, CFIR (Copenhagen Finance IT Region)
    Mikkel Freltoft Krogsholm

    Niklas Arvidson

    Associate Professor, Royal Institute of Technology
    Niklas Arvidson

    Richard Johnson

    SVP, Strategy , Monitise
    Richard Johnson

    Tor Jacobsen

    Chief Executive Officer, TSM Nordic
    Tor	 Jacobsen

    Radisson Blu Royal Hotel

    Hammerichsgade 1
    Copenhagen 1611
    Denmark

    Radisson Blu Royal Hotel

    Radisson Blu creates iconic buildings with individual interiors invoking an inviting, exciting ambiance and offering a holistic hospitality experience that is totally relevant to now. Radisson Blu flagship properties can be found in prime locations, including major cities, airport gateways and leisure destinations around the world. Radisson Blu Hotels & Resorts, part of the Rezidor Hotel Group, currently operates more than 230 hotels worldwide, with another 51 projects under development. Radisson Blu is a first class full service hotel brand with key differentiators such as the 100% Guest Satisfaction Guarantee and the Yes I Can! spirit of service. Carlson, a privately held, global hospitality and travel company, based in Minneapolis (USA), is the majority shareholder of The Rezidor Hotel Group. Together, Carlson and Rezidor have hotels in more than 90 different countries, 1,070 hotels in operation and 240 hotels under development.
    HOTEL BOOKING FORM

    Title

    SubTitle
    speaker image

    Content


    Title


    Description

    Download


    WHAT IS CPD?

    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.

    CPD AND PROFESSIONAL INSTITUTES

    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.

    TYPICAL CPD SCHEMES AND RECORDING OF CPD (CPD points and hours)

    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SMI Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.

    GLOBAL CPD

    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@smi-online.co.uk

    Event Title

    Headline

    Text
    Read More

    I would like to speak at an event

    I would like to attend an event

    I would like to sponsor/exhibit at an event

    SIGN UP OR LOGIN

    Sign up
    Forgotten Password?

    Contact SMi GROUP LTD

    UK Office
    Opening Hours: 9.00 - 17.30 (local time)
    SMi Group Ltd, 1 Westminster Bridge Road, London, SE1 7XW, United Kingdom
    Tel: +44 (0) 20 7827 6000 Fax: +44 (0) 20 7827 6001
    Website: http://www.smi-online.co.uk Email: events@smi-online.co.uk
    Registered in England No: 3779287 VAT No: GB 976 2951 71




    Forgotten Password

    Please enter the email address you registered with. We will email you a new password.