11:00 AM - 1:30 PM

WORKSHOP A

Mobile Payments: It's Not Just About Payments; it's About Business Model Innovation

In this workshop, you'll discover new ways to understand and compete in mobile payments. The competition for mobile payments is being shaped by companies such as Apple, Google and Nokia who are investing billions to create the dominant business models for mobile lifestyles. The resulting business models could redefine the online and offline payments business. This workshop will answer:

• What business models are the mobile lifestyle competitors testing?
• Where does payments fit into their business models?
• What are the implications and opportunities for issuers, merchants, merchant acquirers and networks?

Workshop Leaders:

Frank Sui

Principal

Deloitte Consulting, LLP

Howard Weinberg

Principal

Deloitte Consulting, LLP

1:45 PM - 4:15 PM

WORKSHOP C

Loyalty by the Numbers: Financial Planning and Measuring Return on Investment

Everyone knows that loyalty marketing programs, designed to engender customer loyalty and increase sales from your best customers are an ideal way to gain competitive marketplace advantage. Yet while loyalty programs produce increases in revenue, and reduce customer attrition, they come with a price tag and require accounting for ongoing program costs and reward liability.

• The financial basics of loyalty marketing including the components of start up costs, ongoing program administration, customer service, operations, rewards and more
• A Loyalty Program Evaluation Tool (a $199 value), which you can use to quantify the Return on Investment (ROI) of your loyalty initiative and build a solid business case to "sell" your program to senior management.

Workshop Leaders:

Kelly Hlavinka

Partner

COLLOQUY

Dennis Armbruster

Contributing Editor

COLLOQUY

Managing Partner

LoyaltyOne Consulting

1:45 PM - 4:15 PM

WORKSHOP D

The Business Impact of the Current Legal Environment: Some Practical Guidance

In this workshop, we will discuss the current legal environment and its impact on the card business. Topics will include privacy and data security in the U.S. and abroad, new unfair and deceptive credit card practices rules, predatory lending risk, the latest plaintiff claims likely to be made against card issuers, potential claims to invalidate arbitration clauses and other timely topics. In today's economic environment, regulations are tightening and lawsuits are becoming more plentiful, forcing card issuers and processors to be more diligent than ever from a compliance and risk management perspective.
This workshop will address:

• How to structure card offerings in anticipation of new regulations
• How to mitigate risks and control costs relating to security breaches and data protection around the world
• How to best protect yourself from the inevitable next wave of lawsuits

Kathryn C. Kling

Partner

Jon A. Neiditz

Partner

John D. ReVeal

Partner

Nelson Mullins Riley & Scarborough LLP

4:30 PM - 5:15 PM

Opening Keynote Session

A Strategic Review of the Card Business

Now is one of the most challenging times for the card business: volume growth is declining, acquisition costs are up, delinquencies are rising sharply, and access to capital for funding is significantly more expensive. This downturn demands new ways to operate and to compete. Offering insights for credit card and debit card issuers, this presentation will discuss the end-to-end management of the card business - from acquisition to portfolio management to collections. Additionally, this session will include new proprietary data on cardholder behavior and the likely outlook for credit and debit activity.

Tony Hayes

Partner

Oliver Wyman

Peter Carroll

Partner

Oliver Wyman

5:15 PM - 6:30 PM

Welcome Reception in the Exhibit Hall

1:30 PM - 2:15 PM

Analyst Roundtable: Impact of the Credit Crisis on Consumers and your Card Business

Leading payments analysts will share market research data demonstrating how consumers are impacted by the recent credit crisis, particularly with respect to card-based payments. Each participant will provide their insights into changes in consumer opinion and behavior and how this will affect the payments industry in the near and long-term future.

Moderator:

Jeffrey Green

Editor-in-Chief

Cards&Payments

Panelists:

Megan Bramlette

Managing Associate

Auriemma Consulting Group

Ken Paterson

Director, Credit Advisory Service

Mercator Advisory Group

2:20 PM - 3:05 PM

Prepaid Benefits Distribution: Results to Date, Lessons Learned, Future Plans

In June of 2008, the U.S. Treasury formally introduced the Direct Express prepaid debit card for Social Security payments and federal benefits. For the first time, more than 4 million Americans without bank accounts would receive access to a safer, more convenient alternative to paper checks. This session will provide the first in-depth look at the program's success, including: the strategy behind implementing the largest prepaid U.S. social benefits program;how Direct Express benefits all stakeholders involved, from the federal government to the end user; and the research findings and marketing best practices that continue to help shape the program's direction.

Nora Arpin

Vice President & Director, Government Electronic Solutions

Comerica Bank

Laura Kelly

SVP, Global Prepaid & Debit Solutions

MasterCard Worldwide

Michael Langenohl

Vice President, ACS Government and Community Services

Electronic Payment Services

Brett Smith

Agency Enterprise Solutions Program Manager

U.S. Department of the Treasury

3:05 PM - 3:35 PM

Afternoon Networking Break

3:35 PM - 4:20 PM

Global Debit Trends

Consumer demand for a more efficient, convenient and safe way to access ready funds has fueled debit growth in the United States. This presentation will cover strategies that led to U.S. debit growth, including rewards programs, innovation and market segmentation, which can provide helpful learnings for expansion of debit programs in global marketplaces. Presenters will also offer insights from around the world that can help inform established debit programs in the U.S.

Edward M. Kadletz

EVP, Head of Debit and Prepaid Cards

Wells Fargo

Stacey Pinkerd

Global Head of Debit Products

Visa Inc.

4:25 PM - 5:10 PM

Keeping Pace with Card-Based Payments Industry Legislation and Regulation

The days of laissez faire in the payment systems industry appear increasingly distant as legislators and regulators seem intent on reining in perceived industry abuses. From interchange controls to new consumer protections, this session will focus on key legislative and regulatory initiatives (both proposed and recently enacted) affecting constituents in the card-based electronic payments industry. In this session we will also examine what you need to do to keep on the right side of compliance with these existing and proposed requirements

Duncan Douglass

Partner

Alston & Bird LLP

5:10 PM - 6:30 PM

Networking Reception

1:30 PM - 2:15 PM

Dealing with Changing Customer Behavior in an Uncertain Economy

Good customers can very quickly become bad customers, and bad customers can quickly become write-offs. In order to successfully understand and predict customer behavior, a robust, holistic view of the customer is required - simply focusing on one relationship or one product is not sufficient. Hear a panel of bankers and card issuers describe how they have used a 360-degree view of the customer to successfully track - and predict - customer behavior in order to navigate through the stormy seas of the current economy.

Moderator:

Joel Stanton

Senior Analyst

Lightspeed Research, Inc.

Ryan Garton

VP of Customer Insights

Discover Card

2:20 PM - 3:05 PM

Reaching the Hispanic Market

Hispanics comprise the fastest growing population segment in the U.S. They are also a somewhat unique segment - particularly when it comes to personal finance. According to recent research, three quarters of Hispanics say that cash is their preferred method of payment. This represents a significant opportunity, as long as we have an understanding of their individual needs and preferences and a plan to provide them with relevant information on the benefits of credit, debit and prepaid for their everyday purchases. You'll hear about this rapidly growing segment and provide a case example of programs that are efficiently reaching this sought-after segment.

Mercedes Garcia

Senior Business Leader, Product Management, Global Consumer Credit

MasterCard Worldwide

3:05 PM - 3:35 PM

Afternoon Networking Break

3:35 PM - 4:20 PM

Tapping the Payments Potential in Small Business

Small business offers great growth opportunities and powerful profit potential to a payments strategy. Learn from small business leaders about how to target opportunities that fit your franchise, leverage field sales and non-traditional channels, and build competitive advantage into your card products and programs.

Moderator:

Campbell Edlund

President

EMI Strategic Marketing

Panelists:

Kerry Brashears

Group VP, Debit Card and Prepaid Products Group

SunTrust Banks, Inc.

Georgeana (Gigi) Neff

Formerly Senior Director, Small Business Credit Card

Barclays Bank

Paul Siegfried

VP, Bankcard

Fifth Third Bank

4:25 PM - 5:10 PM

Utilizing Technology-Driven Solutions to Differentiate your Card Offerings

Banking executives will share innovative and cost-effective merchant-funded strategies to drive usage, specifically addressing the potential of web, email and mobile platforms and discussing implementation options and testing results. You'll hear about community-based models that increase cardholder relevance, value and immediacy and capture everyday spend. Attendees will take away tactics to increase card differentiation, offset mounting pressures on fee revenue and effectively evaluate "build or partner" scenarios when developing a merchant coalition that employs these technologies.

Cindy Smith

SVP, Bank Card Operations

Zions Bank

Kelly Passey

EVP, Incentives and Loyalty

Access Development, Inc.

5:10 PM - 6:30 PM

Networking Reception

1:30 PM - 2:15 PM

Enhancing Traditional Rewards Programs

In addition to a full set of rewards benefits, consumers look for additional reward earning opportunities that are relevant to them - that means merchant networks that include both in-store and online players to show consumers the points. Throw in "always-on" merchant offers and compelling content, it's a win-win. This panel will open up the playbook on merchant-funded rewards programs that win vs. strategies that miss the mark.

Stef Erik Anderson

VP, Loyalty and Rewards

SunTrust Banks, Inc.

Lars Holmquist

CMO

Vesdia Corporation

Laura Kreutzer

Regional Sales & Marketing Manager

Hard Rock International

2:20 PM - 3:05 PM

Moving from a Product-Centric to a Customer-Centric Loyalty Approach

Global bank, RBC Royal Bank of Canada, focused on increasing its debit and credit card base, both business and consumer. Through bank acquisition and increased marketing efforts, it's onboarding a substantial number of new customers. You'll hear how the bank assessed the business P&L, redesigned the program value proposition (earn and burn equation), and built a relationship banking strategy with innovative elements like "user-generated" pooling and householding, moving toward a true relationship rewards strategy.

Michael Hemsey

President

Kobie Marketing, Inc.

Margaret Meraw

Senior Manager, Cards Vendor Management

RBC Royal Bank of Canada

3:05 PM - 3:35 PM

Afternoon Networking Break

3:35 PM - 4:20 PM

Driving Profits and Relationships in the New Debit Environment

As any retail banker knows, the industry is facing significant challenges and the need to drive profits has never been greater. Debit cards and debit rewards can be a key profit engine and relationship driver for financial institutions, if implemented properly. Two case studies will be examined to help you define the keys to driving profits and relationships in the new debit environment.

Susan Abbott

EVP, Chief Retail Officer

Busey Bank

Cindy J. Draper

Director of Sales & Marketing

First National of Nebraska

Bob Giltner

Consulting Partner

My Rewards

4:25 PM - 5:10 PM

Recession Marketing Silver Bullets: Driving Differentiation and Loyalty

Today's headlines read like a horror story for financial services institutions and consumers alike. In today's recession, consumers are increasingly budget conscious and expecting more from financial institutions in return for their loyalty. Marketing budgets are being squeezed at the same time that loyalty marketing is increasingly important in driving customer activation, spend, and retention. What can and should financial services marketers do? In this session, we will look at various successful strategies and tactics that organizations have employed during this recession with their loyalty programs to defend and grow loyalty, such as the rapid growth in popularity of merchant-funded rewards. Wachovia will discuss the planning, launch, and learnings from their new Wachovia Possibilities Rewards® loyalty program for debit and credit customers.

Tom Beecher

CEO

Mall Networks

Doug Rappoport

Wachovia

5:10 PM - 6:30 PM

Networking Reception

1:30 PM - 2:15 PM

Mobile Payments Update: Where are we Now?

Mobile payments remains one of the most talked about emerging payments opportunities in the industry, and activity among payment and banking service providers remains robust. However, just as a number of banks began rolling out services and P2P payment services gained traction, the question remains: what are the business models, and where are the revenue generating opportunities for stakeholders?

Moderator:

Brent Samuels

Manager

First Annapolis Consulting

Panelists:

Joseph Salesky

Chairman and Chief Strategy Officer

Clairmail

Ann Jonsrud

SVP of Business Development

Monitise

Steve Mott

President

BetterBuyDesign

2:20 PM - 3:05 PM

Where is Contactless Acceptance?

Globally, contactless acceptance is spreading. In the U.S. and acceptance for contactless payments has picked up, particularly in the transit sector. This session will cover the outlook for contactless in North America, where the opportunities for growth lie, and what it will take for acceptance to grow.

Charlie Walton

EVP, Payments Business Line

Inside Contactless

3:05 PM - 3:35 PM

Afternoon Networking Break

3:35 PM - 4:20 PM

Funds Transfer and Remittances

This year promises to deliver more options for U.S. consumers to safely and conveniently send money to family and friends, both within the U.S. and abroad. What is the opportunity for card-based funds transfers? How can consumers and banks benefit? You'll hear about a money transfer trial currently underway in the United States, and provide insight into the opportunity, challenges and benefits.

Kelly M. Alpert

Head, Global Money Transfer Initiative

Visa Inc.

4:25 PM - 5:10 PM

Global Opportunities in Emerging Payments through 2012

You'll receive global analysis to explore questions such as payment models that will weather the consumer credit crunch and future perspectives for mobile payments through 2012. Which emerging payment innovations will thrive during the economic downturn? Where? A spotlight on BRIC and Middle East and African markets will provide insight into the payment habits of new consumers and growing opportunities.

Laura Flamm

Research Analyst

Euromonitor International

5:10 PM - 6:30 PM

Networking Reception

10:15 AM - 11:00 AM

How to Improve Risk Management During Tough Financial Times

Consumer confidence and financial market conditions are at historic lows, but organizations can improve risk management performance while improving revenue, managing costs and building innovative solutions. This session covers how organizations can navigate volatile times by understanding risks, from origination through life cycle management of consumer relationships, to achieve stronger consumer relationships, brand integrity, business growth and industry leadership after the financial crisis.

Moderator:

Bruce Cundiff

Director Payments Research and Consulting

Javelin Strategy and Research

Panelists:

Don Davey

Director, Professional Services Receivables Management

First Data Corporation

Brad Jolson

Senior Director, Global Customer Management Solutions

Fair Isaac Corporation

Krista Tedder

Product Owner/Business Analyst, Fraud and Risk Management

First Data

11:05 AM - 10:50 AM

Debit Card Fraud: A Financial Institution and Consumer Case Study

At this session you will hear the results of case studies that were designed to provide financial institution and cardholder perspectives on debit card behavior. The case studies will provide useful insights on how your financial institution can maximize your risk management philosophy and solutions.

JB Rambaud

EVP, Chief Security & Risk Officer

Fiserv EFT

11:50 AM - 12:35 PM

Customer Data Protection and Theft Prevention

While media coverage last year focused the public's attention on dramatic incidents of payment card security breaches at large merchants, the less sensational story is that this year, breach incidents among larger merchants declined. It's no coincidence that compliance with the Payment Card Industry Data Security Standard (PCI DSS) has increased among the largest merchants. Adherence to PCI DSS significantly reduces their vulnerability to a compromise. Yet even as we recognize recent progress, we must also recognize that there is much that we can do to better secure our customers' data. Recent trends in data compromise events and what strategies and tools issuers and acquirers can employ to mitigate their impact.

Jennifer Fischer, CISSP

Senior Business Leader, Payment System Risk

Visa Inc.

10:15 AM - 11:00 AM

Maximizing your Portfolio

While prepaid continues to grow through new channels and products across the industry, there remains significant opportunity for issuers to both expand participation in the segment, and identify new opportunities to drive growth. In this session, you'll gain insights on leveraging the prepaid opportunity, including: how prepaid can complement an issuer's debit / credit offering; using prepaid to attract new customers; and key US / global learnings and best practices

Brian Triplett

Global Head of Prepaid

Visa Inc.

11:05 AM - 11:50 AM

Card Personalization Driving Usage and Retention

The card industry is at a turning point in the way cards are designed, manufactured and marketed. The convergence of new technologies and strong consumer demand for personalization has changed the sector irreversibly. Improving cardholder choice and driving online response rates, reducing manufacturing and inventory costs, and boosting ROI for card programs. This case study presentation will go over how customized credit and debit cards have increased transaction volumes by more than 50 per cent and increased balances by more than eight percent.

Rick Claypoole

SVP, Consumer Deposits

BBVA Compass

Gareth Jones

SVP

Severside Group

Sharon Pazlar

Marketing Manager

Fiserv

11:50 AM - 12:35 PM

Prepaid Processing Session

Prepaid card issuance has undergone an explosion in recent years, and all indications are that this trend will continue. Prepaid issuers--whether new to the marketplace or experiencing growth beyond the capacity of their current processor--must carefully consider the role and the capabilities of that processor to realize the full potential of their prepaid program. Learn what challenges an issuer faces when building a prepaid program, what will characterize the evolution of prepaid cards and how will impact on issuer processing needs, the various components of an effective prepaid processing program and common misconceptions/myths about issuer processing that can impact your ability to evolve with market and business needs.

Moderator:

Bruce Cundiff

Director Payments Research and Consulting

Javelin Strategy and Research

Panelists:

Chris Truelson

SVP

TSYS Prepaid

Anil Aggarwal

Chairman and CEO

TxVia

10:15 AM - 11:00 AM

The Future of Cards: Creating New Acceptance Channels Across Merchant Categories

Innovations in this area enable a range of card-based bill payment solutions online where checks have been the predominant payment form. Consumer bill payments represent over $1.8 trillion in direct-to-consumer expenditures, with relatively low card penetration - less than three percent. Adding to their attractiveness is the understanding that, since bill payments are a regular expenditure, they provide a stable revenue stream across all different kinds of economic conditions.

Steve Carnevale

U.S. Commerce Development

MasterCard Worldwide

11:05 AM - 11:50 AM

Opportunities in Health Care Card Products-Debit and Prepaid

The healthcare payment market is in a state of dramatic transformation. The combined trends of rising costs and consumerism in the healthcare market will directly impact the healthcare payments opportunity. U.S. government officials have estimated healthcare spending at $4.3 trillion by 2017--nearly 20% of GDP. These market dynamics are creating opportunities well beyond Health Savings Accounts and Flexible Spending Accounts. The real future in these applications will be making sure that consumers can actually access and use these accounts--and ALL cards - in the way they want. Patient-responsible amounts are increasing as employers continue to shift costs and insurance plans migrate from fixed co-pay to variable co-insurance models. This session will discuss how we as an industry can ensure that cards are an accepted means to pay for those bills.

Daniel Cohen

Director, Healthcare Solutions

MasterCard Worldwide

11:50 AM - 12:35 PM

Driving Growth in a Contracting Economy

The payments industry is facing an unprecedented economic environment that is disrupting consumer spending across all payment forms. Traditional strategies, marketing programs and tactics are in a state of forced evolution to deal with the new economies of our industry. We must drive our strategies and tactics with improved information to achieve more efficient and effective marketing and sales programs that build share in a contracting environment. This session will cover:

• Understanding how much is being spent;
• where spending is occurring in terms of industry sector and geography;
• and when spending occurs down to the day

Michael McNamara

VP, MasterCard SpendingPulse

MasterCard Advisors

10:15 AM - 11:00 AM

Credit Card Dialogue

Facilitator:

Peter Carroll

Partner

Oliver Wyman

11:05 AM - 11:50 AM

Debit Dialogue

Facilitator:

Tony Hayes

Partner

Oliver Wyman

11:15 AM - 12:35 PM

Emerging Payments Dialogue

Facilitator:

Bart Narter

SVP, Banking Group

Celent

12:35 PM

Conference Adjourns