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Following on from our successful 2009 conference, SMi are pleased to present their 9th annual Nordic Card Markets conference.  This year, we will focus on the perspective of banks and retailers, particularly with a look at profitability issues in the current changing economic climate.

Hear case studies from banks and retailers on topics such as the impact of the enforcement of the PSD, new potential profitability drains for businesses, and contactless, NFC, mobile technology, as well as the developments of SEPA across the region.  Learn from industry experts where the market trends lie, the latest developments in acquiring markets, and the strength of cross-border partnerships.

Don't miss out on this opportunity to discuss in a leading industry forum the latest topics surrounding cards and payments in the Nordic region.  Put this event in your diary now and book early to avoid disappointment!


HEAR leading case studies from banks and retailers

DISCOVER the profitable aspects of loyalty schemes

LEARN how new technologies such as contactless and mobile payments are developing across the Nordic region

DISCUSS with leading experts the impact of the PSD and how it could affect your business

TAKE advantage of the fantastic networking opportunities with key senior level industry players

ADVANCE your professional development with this CPD accredited course

·          Commercial Directors of Banks

·          Financial Directors from Banks

·            Head of Card Acquiring

·            Head of Retail

·            Director of Smart Card Programme

·            Project Manager for Smart Ticketing

·            Mobile Payments Director

·            Head of Cards

·          Chief Executives from Banks and financial associations

·          Chief Executives from card technology manufacturers

·          Retail Directors

·          Partners from law firms (focussing on legal implications of fraud etc)

·          Project managers from public sector transport projects

·          Heads of Private Finance and Equity firms

·          Economic analysts



Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Maarten Bron

Maarten Bron, Vice President, Collis Innovation Centre, Collis

9:10 The Effect of EU Payment Regulations and Directives Now and in the Future

Harry Leinonen

Harry Leinonen, Advisor to the Board, Financial Markets and Statistics, Bank Of Finland

9:50 Giving Customers What They Want

Caroline Birchinall

Caroline Birchinall, Senior Manager, Head of Proposition Development, VISA Europe

·         A profitable business in difficult times

·         The PSD and its effects on Prepaid

·         Keeping customers happy and nurturing growth

·         What the future holds - the customer is always right

10:30 Morning Coffee

11:00 A Merchant Case Study - The Impact of Fees and Payments

Martin Weiderstrand

Martin Weiderstrand, Manager EU Affairs and Advisor Payment Cards, Ikea

·         What fees are involved from the retailer perspective?

·         How do they impact upon merchants?

·         Why is regulation important, and how does it affect the cost to the merchant?

·         Examples of profitable aspects of payments for retailers


11:40 Profitability Dynamics of Card Payments

Francesco Burelli

Francesco Burelli, Director, Payments, Deloitte

·         Revenue compression and raising costs

·         The pros and cons of interchange reduction

·         Passing the cost onto the customer – will this affect payment type preference?

·         Increasing revenues and reducing costs, how to improve the bottom line


12:20 Networking Lunch

13:20 Time to Change Cash for Cards?

Lars Nyberg

Lars Nyberg, Deputy Governor, Sveriges Riksbank

  • The Riksbanks role - past and future
  • New regulations, how does it affect the use of cards?
  • Challenges for the card industry
  • 14:00 EAPS the European Card Solution for SEPA

    Ugo Bechis

    Ugo Bechis, Chairman of the EAPS Board of Directors, European Alliance of Payment Schemes

    14:40 Afternoon Tea

    15:10 Payment Cards Business: Ensuring Tomorrow’s Loyalty Today

    Sebastien Slim

    Sebastien Slim, VP Global Pre-sales and Product Marketing, Welcome Real-time

  • How card issuers and merchants can optimise the value of loyalty offerings
  • Avoiding Commoditization: Innovative ways to reach out to your customers to encourage trust and loyalty
  • Loyalty marketing in practice- successful case studies from around the world
  • 15:50 Cardif Card Affinity Solution

    Nathalie Le Couteur

    Nathalie Le Couteur, Retailers & Utilities Companies Distribution Manager, Cardif Nordic


  • The Nordics insurance card market
  • Comparison with the French and UK markets
  • Cardif Card Affinity solution: a tailor-made offer  
  • 16:30 Increased Efficiency in the Back-Office Dispute and Fraud Processing

    Christer Lydig

    Christer Lydig, Sales Executive, Tieto

  • Challenges
  • What to do
  • Case Study
  • 17:10 Fraud Prevention Under the PSD: A New Balance of Rights and Obligations

    Norbert Bielefeld

    Norbert Bielefeld, Deputy Director Payment Systems, World Savings Banks Institute / European Savings Banks Group

    • The Payments Services Directive: highlights, transposition status
    • Obligations for payment service providers
    • The key fraud issues for the next 3 years
    • Where further dialogue between stakeholders will be required

    17:50 Chairman’s Closing Remarks and Close of Day One

    8:30 Registration & Coffee

    9:00 Chairman's Opening Remarks

    David Birch

    David Birch, Director, Consult Hyperion

    9:10 The Importance of Mobile Payments in the Retail Landscape

    Mette Munck

    Mette Munck, Business Developer, Danske Bank

    ·         The benefits of mobile payments in increasing payment traffic in shorter times

    ·         Operational costs - do they affect profitability?

    ·         M-payments versus cash

    ·         Why has the rollout of m-payments been slower than anticipated?


    9:50 Mobile Payments in Norway

    Bent Bentsen

    Bent Bentsen, Senior Advisor, DnB NOR Bank

  • Mobile PayPass trial in Oslo - learnings
  • Mobile payments, opportunities beyond NFC
  • Market demands and changes in user behaviour
  • Mobile Financial Services - basic groundrule : cooperation
  • 10:30 The Convergence of Cards and Mobile Payments

    Juha Risikko

    Juha Risikko, Senior Product Manager, Nordea

    ·          Mobile channel for banking services: products and channel mix

    ·          Banking initiatives and mobile operators financial services offering

    ·          Payment Services Directive – emerging competition

    ·          Convergence: ways forward


    11:10 Morning Coffee

    11:30 NFC In Transportation

    Maarten Bron

    Maarten Bron, Vice President, Collis Innovation Centre, Collis

    ·         NFC practices

    ·         Migrating legacy applications into NFC

    ·         NFC and interoperability

    ·         Do’s and don’ts of NFC


    12:10 Driving Payment Innovation in the Nordic Region

    Carlos Rodriguez

    Carlos Rodriguez, General Manager, Nordic Countries, Mastercard Europe

    ·         Market environment and end-user needs

    ·         Creating Win:Win situations

    ·         Contactless and beyond


    12:50 Networking Lunch

    13:50 Mobile Payments: When Will the Pilot Phase End?

    Jan De Meester

    Jan De Meester, General Manager clear2pay Card Division, Integri

    ·         A complex and fragmented market

    ·         Barriers for commercial roll-out

    ·         The need for a viable solution covering multiple payment types

    ·         Demonstrator and scenarios

    14:30 Acquirer Risk Management and Fraud Prevention Best Practices

    Simon Dean

    Simon Dean, Senior Business Consultant, The ai Corporation

  • Merchant sign up practices
  • Assessing credit exposure
  • Minimising Chargeback losses
  • Fraud prevention tactics
  • Credit and Fraud loss Case Studies
  • 15:10 Trends in Acquiring

    Raulis Uksvarav

    Raulis Uksvarav, Director of Acquiring, Swedbank

    ·         How trends in acquiring have changed in recent months

    ·         Trend 1 – banks leaving the acquiring business

    ·         Trend 2 – consolidation in the Industry

    ·         Trend 3 – New business in acquiring

    ·         Which markets to watch


    15:50 Afternoon Tea

    16:10 Fraud Prevention: A Case Study

    Ann Rilbe

    Ann Rilbe, Head of Card Fraud, Handelsbanken Finans

    • The retailer perspective on fraud – where the problems lie
    • Typical errors and solutions
    • A case study overview of successful fraud prevention from a merchant perspective
    • Future fraud prevention possibilities


    16:50 The Vision of De Nederlandsche Bank on SEPA for Cards

    Michael van Doeveren

    Michael van Doeveren, Senior Policy Analyst, De Nederlandsche Bank

    ·         Trends in the European Markets

    ·         The efficiency of POS-payments

    ·          How to realise SEPA for cards?

    ·         The status of implementation of SEPA for cards


    17:30 Chairman’s Closing Remarks and Close of Day Two



    Mobile and Contactless Payment: From EMV to NFC

    Mobile and Contactless Payment: From EMV to NFC

    Sheraton Stockholm Hotel and Towers
    19th January 2010
    Stockholm, Sweden

    Sheraton Stockholm Hotel and Towers

    Tegelbacken 6
    PO Box 195
    Stockholm SE-101 23

    Sheraton Stockholm Hotel and Towers



    speaker image






    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.


    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.


    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.


    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

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