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Nordic Card Markets and Future Payment Solutions
20 January - 21 January 2014
Nordic Card Markets and Future Payment Solutions

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.
 

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

Conference agenda

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8:30

Registration & coffee

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8:55

Chairman's opening remarks

Niklas Arvidson

Niklas Arvidson, Associate Professor, Royal Institute of Technology

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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?
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9:35

The Mobile Wallet: Strategic options for banks

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

 

  • 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
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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?
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10:50

Morning coffee

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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
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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

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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? 
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13:00

Networking lunch

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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?
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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
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15:25

Afternoon tea

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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?
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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
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16:55

Chairman’s closing remarks

Niklas Arvidson

Niklas Arvidson, Associate Professor, Royal Institute of Technology

clock

17:00

Drinks reception hosted by nets

All delegates are invited to relax at the end of an informative first day discussing the topics and challenges posed by today's speakers.

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18:30

End of day one

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8:30

Registration & coffee

clock

9:10

Chairman's opening remarks

Mats  Henriksson

Mats Henriksson, , Independent Consultant

clock

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?
clock

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?
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10:25

Morning coffee

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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
  • clock

    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
    clock

    12:10

    Networking lunch

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    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?
    clock

    13:55

    Case Study: Mobiel Betalen Nederland (MBN) partnership

    Michel Drupsteen, Senior Business Consultant, ING

     

    ·         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?
    clock

    14:30

    Afternoon tea

    clock

    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?
    clock

    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?
    clock

    16:05

    Chairman’s closing remarks and close of day two

    Mats  Henriksson

    Mats Henriksson, , Independent Consultant


    Vice President, Co-Founder
    Signicat
    Senior Manager, Mobile Payments and E-commerce
    Nets
    Senior Research Analyst
    RBR London
    Independent Consultant
    Chief Operating Officer
    Payward
    Senior Business Consultant
    ING
    Senior Consultant, Strategic Projects
    Worldline
    Senior Policy Advisor
    De Nederlandsche Bank (Dutch Central Bank)
    Head of Danish Payments Lab, Future of Money
    CFIR (Copenhagen Finance IT Region)
    Associate Professor
    Royal Institute of Technology
    SVP, Strategy
    Monitise
    Business Manager Retail Cards & Payments
    ABN AMRO Bank
    Chief Executive Officer
    TSM Nordic
    Chief Consultant
    Danske Bank Group
    General Manager Nordics
    American Express Ltd, Proprietary Card Services
    Advisory Director
    Bell ID
    First Vice President
    Nykredit
    Deputy Director, Group Cards
    Swedbank
    European Director
    PCI Security Standards Council, LLC
    Vice President, Head of Cards
    OP Pohjola Group

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