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 CONFERENCE AGENDA
Track Sessions
 Sunday, April 06, 2008
Pre-Conference WorkshopsMonday, April 07, 2008
Marketing and Branding Strategies TrackAlternative Payments Track Customer Loyalty and Retention Track Trends in Credit, Debit and Prepaid Track Tuesday, April 08, 2008
Fraud and Risk TrackIndustry Roundtables New Product Development Track Trends in Credit, Debit and Prepaid Track
Sunday, April 06, 2008
These interactive, classroom-style sessions are designed to address your day-to-day business challenges. Workshop leaders take you on a deep dive into the topic, and provide practical information you can use when you return to the office. Each session is separately bookable.
1:00 PM - 2:30 PM Workshop 1 Alternative Payments 101 If you're confused about all the emerging technologies and alternate payment systems entering the market, you're not alone. With mobile, person-to-person, contactless and even ACH, it's hard to keep track of all the players and understand what their impact on your business will be. This in-depth session will outline:
Brian Shniderman Director Deloitte Consulting, LLP Joseph Alt Manager Deloitte Consulting, LLP Carl Hugener Principal Deloitte Consulting, LLP 2:30 PM - 4:30 PM Workshop 2 So you Have a Points Program ... Now What? A Systematic Approach for Planning your Program's Evolution This workshop will deliver an approach for evolving the program you have, and will allow you the opportunity to apply that approach in an interactive workshop complete with a financial modeling simulator. Special emphasis will be given to:
 Barry Kirk Strategic Consultant Maritz Loyalty Marketing Norbert Schumacher Director of Research Maritz Loyalty Marketing J.R. Slubowski Strategic Consultant Maritz Loyalty Marketing 2:30 PM - 4:30 PM Workshop 3 Turning Data into Insight: Using Customer Modeling to Predict Customer Behavior and Increase Revenue Learn how custom modeling can turn raw abstract data into predictive marketing intelligence. Using real-life examples from the financial services industry, you'll discover how to:
Kelly Hlavinka Director COLLOQUY Ken Kuschei Senior Manager, Market Intelligence Loyalty One 3:45 PM - 4:45 PM Birds of a Feather Lounge Find old friends and make new ones at the Card Forum Meet and Greet lounge. Share the conference experience with your peers who have similar interests. You can form teams and divide up who should attend different concurrent sessions. Then huddle up again during or after the conference to share information and insights. Feel free to come and go as you please. Open to attendees only. 5:00 PM - 6:00 PM Conference Opening Call to Action: Defining your Role in the New Cards and Payments Ecosystem In a short span on of time, the cards and payments industry has been witness to the rise of debit and prepaid card markets, the introduction of alternative payments, and dramatic changes in the business architectures that support traditional transaction relationships. But signs of a slowdown are on the rise, and with it a new awareness of risk. In this climate, what are the areas of growth? Is it the international market? Can issuers, service providers, and associations innovate when uncertainties in the market are prevailing? Hear how industry players can focus on growth opportunities, take advantage of new relationships, and understand the stakes in this dynamic business environment. David Evans Founder Market Platform Dynamics 6:00 PM - 8:00 PM Opening Reception
Monday, April 07, 2008
Registration & Breakfast 8:00 AM - 8:15 AM Chairman's Welcome and Opening Remarks David Evans Founder Market Platform Dynamics 8:15 AM - 9:00 AM Know Your Customer Market data and research on specific customer segments is becoming increasingly sophisticated. Now banks have a much better understanding of not just transaction habits, but also the behaviors and specific needs of customers. This means that information can be translated into effective business strategies. Responsible for the travel, affluent and youth markets within Citi's North American credit cards division, Terri O'Neil addresses how specific audiences can be reached, how to find the right brand partners, and the potential for growth in these segments in a maturing credit card market. Terry O'Neil EVP Citi Cards 9:00 AM - 9:45 AM Driving Development of a Cashless Society through Insight, Process and Innovation In the drive towards a cashless society, financial institutions, payments companies and merchants and their partners must work together to develop and deliver products. Market insights and an intimate knowledge of preferences and needs, not only for end-users but every party in the value chain, fuel smarter brand and marketing decisions and encourage nimble product development. Each is a component contributing to successful innovations that will ensure payments continue to evolve and deliver real business value for all players. This keynote will take a holistic look at the components driving the future of the payments industry and specifically discuss how financial institutions, payments companies and merchants can work together to evolve the next generation of payments based on consumer behaviors and preferences. Tim Murphy President, U.S. Region MasterCard Worldwide 9:45 AM - 10:30 AM Networking Break 10:30 AM - 11:15 AM Decoupled Debit: Creativity and Competition in the Debit Card Market Banks are no longer bound to their physical footprint, but can expand either through direct marketing to consumers regardless of where they bank, or develop co-labeled products with major merchants and other organizations. Tempo initiated the concept in 2000 primarily as a merchant-oriented lower cost payment network and more recently as a commercial, hosted service offering for financial institutions and other issuers. HSBC developed its own OptiPay multi-application payment card product based on the Tempo technology and network and CapitalOne has begun its own independently developed decoupled debit program. This session will:
Moderator: Megan Bramlette Auriemma Consulting Panelists: Daniel Eckert Head of Venture, Acquisition and Development HSBC Mike Grossman CEO Tempo Kent Ivanoff EVP, Payments Capital One 11:15 AM - 12:00 PM A Risk Outlook for the Payments Industry Large scale customer data security breaches and anticipation of slower growth on the horizon is heightening the industry's sense of risk. Additionally, the rippling effects of the subprime mortgage collapse on financial institutions and consumers alike are impacting decisions among those in the payments industry. What lessons have issuers learned in the past year, and how will they be applied to strategic risk management decisions? Leading experts talk about the state of the art in how banks and card issuers can control their risk and minimize losses. Moderator: Tony Hayes Director Oliver Wyman Financial Services Panelists: Chaomei Chen Vice Chairman and Chief Risk Officer Washington Mutual Card Services Brian Connolly SVP, Director of Business Strategy Citizens Bank Eric Wasserstrom Executive Director and Senior Equity Analyst UBS Securities 12:00 PM - 1:30 PM Networking Lunch Sponsored by: 
12:00 PM - 1:30 PM Industry Innovation Session Solve the Mystery of Identity Theft Presenters: Frank Abagnale, Author, Lecturer and Consultant Tom Rusin, President and CEO, Affinion North America Sponsored by: 
12:00 PM - 1:30 PM Industry Innovation Session Just Rewards: What's Working, What's Not and What's Next Presenter: Brian Riley, Senior Analyst, TowerGroup Sponsored by: 
12:00 PM - 1:30 PM Industry Innovation Session Setting Your Debit Card Strategy: Managing Profits, Segments, Rewards, Merchant Funding and Decoupling Presenter: Bob Giltner, President, Furnace, Giltner & Associates Sponsored by: 
12:00 PM - 1:30 PM Industry Innovation Session The Middle Seat - a Case Study in Product Innovation Presenters: William Brown, Senior Vice President, Citibank Global Transaction Service Chris Truelson, Senior Vice President, TSYS Prepaid Services Sponsored by: 
Marketing and Branding Strategies Track 1:30 PM - 2:15 PM Marketing and Branding Strategies Reaching out to Young Adults and Gen Y Capturing the attention of the young adult market is poses as many challenges as it does opportunity. With so many marketing mediums and brands vying for their attention, knowledge about where to invest time and resources is a crucial factor in reaching this audience.
Moderator: Teresa Tschida Global Practice Leader, Financial Services Industry Gallup Organization Panelists: Thomas O'Donnell GM Chase Card Services Mike Shepard Vice President, Consumer Credit and Debit Products US Bank 2:25 PM - 3:10 PM Best Practices in Field Marketing As direct marketing response rates decline, and credit card competition continues to increase, effective field sales and marketing programs can make the difference between success and failure. Learn how leading financial institutions leverage their sales organizations to cross sell cards to customers and drive prospect acquisition, and how to:
Moderator: Campbell Edlund President and Founder EMI Strategic Marketing Panelists: Timothy C. Finkenstaedt Director, Commercial Marketing Merrill Lynch Global Bank Group R. Mark Ford SVP National City Corporation Group Product Manager - Credit Card Diane Murphy Director, Campaigns and Local Marketing Sovereign Bank 3:10 PM - 3:55 PM Afternoon Networking Break 3:55 PM - 4:40 PM Marketing to the Affluent Meet the new affluent, they spend money but look for value; they're time-starved, but crave experiences; and they love rewards, but demand recognition. Meeting their needs has never been harder and that's why companies have turned to loyalty and database marketing strategies to meet the challenge. Moderator: Rick Ferguson Editorial Director COLLOQUY Panelists: Eva Dowds Director, Customer Development Saks Fifth Avenue Geri Green Director of Rewards & Benefits Barclays Bank Delaware Cheryl Guerin VP, Promotions & Interactive Marketing MasterCard Worldwide Linda M. Jenkinson Chief Executive Officer LesConcierges, Inc. Simon P. Kahn Vice President, Premium Products & Experiences Team American Express Company 4:50 PM - 5:35 PM Marketing and Branding To Underbanked Consumers Emerging markets are a key area of future growth for the card sector, from traditional credit cards to the latest innovations in prepaid products. New approaches are necessary to effectively reach these consumers and nurture the customer relationship, as well as fresh thinking about the opportunities available to build a strong brand identity with customers with the proven potential for long-term loyalty. This "talk show" style session on how to develop a comprehensive strategy to reach underbanked consumers by identifying and designing product features, communications strategies, and new marketing approaches that will enable companies to enhance their brand and their bottom line.
Panelists: Kimberly Gartner Associate Director Center for Financial Services Innovation Lynn Heitman SVP, Credit and Debit Cards US Bank William Sowell VP Prepaid Products GE Money Alternative Payments Track 1:30 PM - 2:15 PM Understanding the New Dynamic of Alternative Payments Alternate payments are changing the landscape of the payments industry. When will these types of payments hit the mainstream, with widespread adoption and consumer and merchant acceptance? What types of payment options are likely to dominate and what options are likely to recede? What do issuers need to do to adapt, and what are some of the new product offering they can develop? These questions, and key points will be addressed:
Presenter: David Dove Managing Vice President Hitachi Consulting 2:25 PM - 3:10 PM Mobile Banking Implementation Experiences and Best Practices Mobile banking is entering the mainstream. What was just an idea a few years ago has become a reality as banks have rapidly adopted this new technology. Mobile Banking has quickly become a value-added differentiator for the banks who have implemented this technology as evidenced by the numerous bank advertisements which lead with mobile banking. This panel of providers and banks who have recently implemented mobile banking will discuss:
Moderator: Chris Allen Sr. Manager Dove Consulting Panelists: Tammy Buck VP, Marketing Wachovia Kelly Buday Director of Marketing Firethorn, a Qualcomm Company Jeff McLaughlin Monitise Americas EVP of Mobile Strategy 3:10 PM - 3:55 PM Afternoon Networking Break 3:55 PM - 4:40 PM What's Hindering Contactless Payments Adoption? The technology for contactless payments has been vastly improved, even migrating from cards and wands to imbedded chips in mobile phones. But some projections demonstrate flat growth in contactless. With such enabling technologies, benefit to the consumer, what's hindering widespread acceptance of this payment type?
Presenter: Bruce Cundiff Senior Analyst Javelin Strategy & Research 4:50 PM - 5:35 PM The Next Generation of Payments Who are the companies and what are the solutions driving alternative payments usage? What are the differing value propositions that they bring to the players in the payments eco-system? This panel discussion will focus on:
Moderator: Bob Hedges Founder, Managing Partner Mercatus, LLC Panelists: Rene Pelegero Senior Director, External Relations PayPal, Inc. Rodney Robinson Vice President, Business Solutions Obopay, Inc. Jason Hogg President & CEO Revolution Money Customer Loyalty and Retention Track 1:30 PM - 2:15 PM Maximizing the ROI of Your Loyalty Program As bank loyalty and rewards programs mature, a key area of differentiation to drive consumer participation is through the addition of a merchant-funded reward network. By creating a joint partnership between the financial and retail sectors to provide a better value proposition to consumers, all parties benefit and mutual goals are achieved:
Moderator: Bill Hanifin Customer Growth LLC Panelists: Lars Holmquist Chief Marketing Officer Vesdia Corporation Kathie Henderson Manager, Incentive Sales Eddie Bauer Mark Shipley SVP, Global Loyalty MasterCard Advisors 2:25 PM - 3:10 PM Solutions for Loyalty Fatigue Loyalty programs must continually bring fresh and innovative content to keep customers engaged and minimize loyalty fatigue. In this increasingly complex arena, the importance of brand and convenience are paramount. Moderator: Bill Hanifin Customer Growth LLC Panelists: Martin Hood SVP, Sales American Express Incentive Services William W. Shaw President, Credit Cards First Citizens Bank Kevin Lewis VP, Customer Relationship Manager TSYS Loyalty 3:10 PM - 3:55 PM Afternoon Networking Break 3:55 PM - 4:40 PM The Enterprise Approach: Expanding a Rewards Program Across the Bank TSFG, parent company for Carolina First and Mercantile Bank, and Affinity have partnered to offer debit cardholders the widest array of national, regional, and online retailers with offers up to 25% back for using their bank card at those retailers. The next evolution of the program includes merchant-funded rewards across multiple bank products designed to reward customers for their holistic relationship with the bank. This session will share best practices on transforming a card loyalty program into a groundbreaking relationship rewards solution by:
Presenters: Margaret Pettyjohn Senior Vice President of Retail Delivery The South Financial Group Jonathan Gagliano EVP Affinity Solutions 4:50 PM - 5:35 PM The Power of Community-Based Rewards The value of a rewards program is measured by the relevance it delivers to its cardholders. It is estimated that 80% of consumer disposable income is spent within a 10-mile radius of one's home. Local-market rewards programs that partner with retailers offering 'everyday spend' opportunities deliver both the relevance and the value necessary to engage cardholders and drive truly rewarding usage.
Presenters: Jeremy Curtis Affiliate Manager Overstock.com Brian McCaul VP Bankcard Sales & Marketing Zions Bank Kelly Passey VP Incentive & Loyalty Services Access Development Trends in Credit, Debit and Prepaid Track 1:30 PM - 2:15 PM Issuer Viewpoints Given the stresses created by the sub-prime mortgage crisis, a softening economy, and the potential for increases in credit card delinquencies, issuers feel more pressure than ever to produce revenue and reduce costs. This panel will discuss:
Moderator: David Evans Founder Market Platform Dynamics Panelists: Scott Peterson SVP Wells Fargo Scott Grimes CEO and Founder Cardlytics, LLC Pat Foy President, Card Services Fiserv 2:25 PM - 3:10 PM Trends Driving Innovation in Credit, Debit and Prepaid Will debit and prepaid continue their ascendancy? If so, where are the areas for growth in those sectors? If the credit market is maturing, what are some of newer strategies besides points programs that will be utilized? Moderator: Frank Andrews Manager, Card Issuing Practice First Annapolis Panelists: Trish Preston Group Head, Debit Product Management & Development MasterCard Worldwide Paul Tomasofsky Executive Vice President and Acting COO Network Branded Prepaid Card Association Dale Daley Senior Director, Relationship Management TSYS 3:10 PM - 3:55 PM Afternoon Networking Break 3:55 PM - 4:40 PM A Mobile Reality Check Excitement and confusion about mobile commerce are swirling about the financial services sector. While information abounds on mobile commerce, those within the payments ecosystem struggle to get beyond the hype. What are the realistic objectives? Should the emphasis be on brand building or lead generation? How can FIs and card systems capitalize on this new channel and do so with an eye on the bottom line? Moderator: Karen Webster President Market Platform Dynamics Panelists: Damien Balsan Director, NFC Nokia John Squire VP, Strategy mFoundry Beth Horowitz VP Product Management Discover Financial 4:50 PM - 5:35 PM Global Financial Cards Trends and Emerging Markets In this global focus presentation, Euromonitor International will provide a review of countries and regions making an immediate and future impact on the industry including China, India, Latin America and Eastern Europe where opportunities for growth are tremendous. Moving on from emerging regions Euromonitor will discuss the global financial card market, forecasts for the industry through 2011 and the trends that will make a difference for years to come. This presentation would include data and analysis on many different segments including ATMs, credit, charge, debit, e-purse, and store cards, as well as:
Presenter: Jon Fisher Research Analyst Euromonitor International 5:35 PM - 7:00 PM Networking Reception
Tuesday, April 08, 2008
Breakfast 8:00 AM - 8:15 AM Recognition of the second annual Best in Payments Awards, presented by Cards&Payments Best Marketing Campaign Best New Product Best Technology Implementation Outstanding Payments Executive Editor's Choice Award 8:15 AM - 9:00 AM The Wachovia Story: Taking Advantage of the Expanding Payments Landscape After only 18 months back in the credit card business, Wachovia Corporation recently announced an expansion of its credit card division that will position the company to take advantage of growing payment opportunities throughout the U.S. This newly created business unit within Wachovia will be responsible for product development of bill payment services, pre-paid services (stored value and gift cards, travelers checks, etc), money movement services (ACH, wire, remittances) and other existing payment products. The team will also be responsible for exploring and commercializing new payment services relating to developments in handheld devices, healthcare needs, and web-based payments Steve Boehm President Wachovia Card Services 9:00 AM - 9:45 AM Innovation and Big Trends in Prepaid The prepaid sector is still on an upward swing, and innovation and diversity of products on the marketplace is proof of its increasing acceptance as a mainstream payment option. As the segment matures, the industry has been able to build awareness of network branded prepaid over traditional stored value cards, delivered technological advances and diversified its product offerings. Risk awareness has also increased with government regulations on the horizon, as well as addressing concerns about managing prepaid risk effectively for consumers. This session will provide a roadmap of prepaid trends and how to effectively take advantage of opportunities as well as manage risk. Harit Talwar EVP Discover Financial Services 9:45 AM - 10:15 AM Networking Break Fraud and Risk Track 10:15 AM - 11:00 AM Customer Data Protection and Fraud Prevention Due to the confusion and fear of consumers, identity fraud protection services are a marketer's dream: three out of four consumers believe that identity fraud is on the rise, despite steady declines in the crime over the past three years. The industry has responded to this growing awareness and concern with an array of direct-to-consumer services, such as credit monitoring, fraud alerts, data mining and most recently, credit freezes. This session provides an assessment of:
Presenter: Bruce Cundiff Senior Analyst Javelin Strategy & Research 11:00 AM - 11:45 AM Compliance and Regulation in Card Portfolios and Payment Programs Legal considerations in structuring payment card products is essential - from compliance with the Bank Secrecy Act/Customer identification; preemption of state laws by nationally - and federally - chartered banks offering the payment cards, through money service business registration for nonbank participants. Consideration of regulatory and legislative initiatives is essential in structuring payment card programs Presenter: Lawrence D. Kaplan Paul, Hastings, Janofsky & Walker LLP 11:45 AM - 12:30 PM Debit Card Fraud: Charting a Course for Effective Risk Management This session will share with you the realities of fraud affecting the debit industry with a focus on how you can prepare your institution with the right roadmap for risk management. Attendees will hear "best practice" recommendations and learn about available solutions to protect your institution and cardholders from fraudulent activities. This information will be invaluable to protecting your interests in the future. Presenter: JB Rambaud EVP, Chief Security & Risk Officer Fiserv Industry Roundtables Open discussion roundtables led by industry experts.
10:15 AM - 11:00 AM Payments Trends Roundtable
Moderator: Jeff Green Editor-in-Chief Cards&Payments 11:00 AM - 11:45 AM Alternative Payments Roundtable
Moderator: Chris Allen Sr. Manager Dove Consulting 11:45 AM - 12:30 PM Marketing Strategy Roundtable
Moderators: David Furnace CEO Furnace, Giltner & Associates Bob Giltner President Furnace, Giltner & Associates New Product Development Track 10:15 AM - 11:00 AM The New Product Development Process-Effective Means of Bringing your Products to Market Many issuers struggle with the challenge of making sure their new product offerings match the overall strategic objectives of their company's business goals. Are their ideas actually aligning with the business's priorities? Then there's the question about the resources involved in bringing a product to market-both time and money. Panelists discuss various product development processes, the pros and cons of each as well as:
Moderator: Ken Paterson Director, Credit Advisory Services Mercator Advisory Group Panelists: Beth Horowitz VP Product Management Discover Financial Karen Lanfranki VP, Product Development, Card Services Wells Fargo 11:00 AM - 11:45 AM Co-brand's New Frontier - Product Innovation Beyond Rewards This session will take a multi-dimensional look at expanding co-brand customer relationships. Topics will include re-evaluating the consumer market to assess usage patterns, tradeoffs and untapped relationships; and using segment insights in product design and bundling, and targeted marketing initiatives.
George F. Schmelzel Senior Vice President, Card Services UMB Financial Ron Mazursky Managing Director Novantas LLC Paul DeSaulniers Director of Credit Decisioning LexisNexis 11:45 AM - 12:30 PM Branded Reloadable Prepaid Cards: Market Developments, the Promises, the Challenges Branded prepaid cards targeted at the unbanked are enjoying market expansion, but growth is coming from an unlikely source. Nontraditional and nonbanks such as NetSpend, Wal-Mart, & Home Depot have taken a strategic approach by supplanting bank accounts with prepaid card accounts while offering the same ancillary services as retail banks (e.g., direct deposit, ATM access, overdraft protection, remittance services, & mobile features). These cards constitute 'gateway' financial products for the unbanked population, and banks would do well by learning from the nontraditional/nonbanks.
Presenter: Red Gillen Senior Analyst Celent Trends in Credit, Debit and Prepaid Track 10:15 AM - 11:00 AM Card-Funded Bill Payments - The Last Greenfield for Card Acceptance? With online bill payments continuing to grow at a fast clip, it seems certain that many of these future card-funded payments will be made using the online channel. This session will explore:
Presenters: David Driscoll Product Manager - Senior CheckFree - now a part of Fiserv Dennis Lee Senior Product Manager, Internet Services Pacific Gas & Electric 11:00 AM - 11:45 AM Case Study: The Future of Contactless Payments in the Transit Sector As the adoption of contactless payments continues to gain popularity worldwide, the transit sector has quickly emerged as a crucial growth market with transportation agencies seeking to offer commuters increased speed, convenience and flexibility of payment. In this session, MasterCard will outline the impact of contactless payments on the transit industry, including a case study of a consumer trial of its PayPass contactless payment technology with New York's Metropolitan Transportation Authority (MTA). In addition, MasterCard will discuss the future of contactless technology in the transit industry, strategy for long-term growth, partnership development, priorities, hurdles and opportunities for 2008 and beyond. Adam Gluck Senior Business Leader, Advanced Payments MasterCard Worldwide 11:45 AM - 12:30 PM Creating a Personalized Experience for the Customer Presenter: Pam McHugh General Manager, Research Operations Mintel International Group 12:30 PM Conference Adjourns |
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