For the latest COVID-19 Travel restrictions and recommendations please click here

SMi are proud to present their 10th Annual... 

Nordic Card Markets Conference 2011


"The Nordic payments market remains one of the most advanced and fast-paced payments markets in the world. Opportunities for development and growth are unsurpassed and it remains a region set to lead the way in the global payments sector. Developments in regulation, standardisation and security as well as contactless, mobile payment and prepaid sustain its position as a leader in the world payments market."  


SMi’s 10th annual Nordic Card Markets conference provides an unmissable opportunity to learn from the leading experts and network with high level officials from all sections of the Nordic payments market. Now in its 10th year the event has established itself as the market leader for those looking to stay up to date with all the key issues in the Nordic region and beyond in this crucial time of economic instability.






Benefits of Attending:


  • Update your knowledge on the Nordic payments market and all the key developments over the last 12 months

  • Learn through firsthand accounts what the big issues are and what they mean for your organization  

  • Evaluate the latest trends and developments in the industry

  • Discover what the future holds in this rapidly evolving market and the impact of new regulation  and technology

  • Network with all the key personnel in the Nordic payments market


An unrivalled speaker line-up together with excellent networking opportunities provides you with the must attend event in the Nordic payments market.


For speaking and sponsorship opportunities please contact:

Speaking: smiproduction@smi-online.co.uk

Sponsorship: sponsorshipdept@smi-online.co.uk 


Heads, Managers and Directors of: 

Smart Card Programme
Smart Ticketing
Mobile Payments
Card Development
Financial Associations
Card Technology Manufacturers
Retail Directors
Law Firms
Public Sector Transport Projects
Heads of Private Finance and Equity firms
Economic Analysts
Card Acquiring  


Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Norbert Bielefeld

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

9:10 How Costs and Business Models Will Help the Internal Market for Cards

Norbert Bielefeld

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

·         Some baseline facts and data

·         SEPA: a politically mandated discontinuity

·         A need to revisit the “tourist test”

·         A prime necessity: understanding the societal cost of POS payments throughout the EU

·         Cash – the silent dominant instrument

·         Options for card issuing and acquiring

·         Will the EU be able to compete economically on the world scene?

9:40 Managing Payments in a Changing Payments Landscape

Ketil  Fridheim

Ketil Fridheim , Managing Director Nordic Region, Elavon Merchant Services

·         Elavon snapshot

·         The value of global reach and consolidation

·         Keeping up with security and fraud

·         White label acquiring -  you can eat your cake and keep it too

10:20 Morning Coffee

10:50 Trends in the ATM Market

Richard Dear

Richard Dear , Sales Director, VocaLink

·         Key drivers in the ATM channel

·         Impact of reduced cash usage

·         Cash recycling

·         Pooling resources

·         Reuse of interoperability

11:20 Payment Cards are no Longer a Piece of Plastic; Welcome to the New Digital Economy

Johan  Löfmark

Johan Löfmark, Digital Business Advisor, Tieto

·         Changing consumer behavior is driving for new payment business models

·         Innovations are centered around real-time transactions

·         New actors entering the ecosystem (e.g. iTunes, Beacon and Square)

·         The power of social media (e.g. Social Lending and Merchant rating systems)

12:00 A Single European Cards Market: The Retail View

Ruth Milligan

Ruth Milligan, Legal Adviser on Payment Systems, EuroCommerce

·         The cost of cards: a failure to deal?

·         The competition cases: state of play

·         Current interchange theory - the real story on cash v cards

·         Remaining problems and future prospects

12:30 Networking Lunch

13:30 The Key Challenges and Benefits of a 3rd Payment Scheme

Dominique Buysschaert

Dominique Buysschaert, CEO, PayFair

  • Offering global coverage and a cost efficient market implementation for issuers, acquirers and processors
  • Achieving sustainability of the card and electronic payment industry
  • Increase the innovation dynamic in the market with a view to increasing the industry’s profitability
  • Reducing fraud costs inherent to current offerings and the scheme’s legacies
  • 14:10 DIY Payments - The Only Alternative Left for Retail?

    Andreas Melan

    Andreas Melan, Group Payments Card Manager, Ikea

     ·         What is payment?

    o    Credit?

    o    Fraud?

    ·         One internal market for payment

    ·         True cross border acquiring - why EU should act

    ·         Solution: DIY

    14:40 Prepaid Opportunities

    Thor Ragnar Klevstuen

    Thor Ragnar Klevstuen, Business Developer Cards and Payments, Sparebank 1

    ·         Why prepaid cards?

    ·         Status after two years

    ·         Moving to contactless prepaid cards, our Blunk pilot project

    ·         Further development regarding prepaid and contactless

    15:10 Combining Prepaid and Øresund: Towards a Better Integration around the Sound

    Pia Tworek

    Pia Tworek, Business Unit Manager Nordic and Baltic, Ekspres Bank A/S

    ·         Key figures and facts about Øresundsregion – short summary

    ·         How would Prepaid facilitate economical growth and integration?

    ·         Enabling more cross boarder sales for companies

    ·         Facilitating daily life for students

    15:40 Afternoon Tea

    16:05 The Changing Dynamics of the Card Payment Market

    Pierre  Antonio

    Pierre Antonio , Vice-President Business Development, Clear2Pay

    ·         The card payment sphere: history and ongoing evolution

    ·         Diverse requirements (geographical, technological, applicative) and the
    impact on payment systems

    ·         Defining the future of payments and answering today's market demand

    ·         Case study

    16:45 Developing a Strategy to Facilitate European Card Fraud Prevention and Detection in 2011

    Malcolm  French

    Malcolm French, Former Head of Fraud Risk Management, National Fraud Authority

    ·         The Importance of a Fraud Awareness Culture 

    ·         'Fraud Risk Management Strategy' and 'Risk Appetite'

    ·         Key Issues and Solutions

    ·         Critical Success Factors 

    17:15 The Vision of DNB with Respect to SEPA for Cards

    Michiel Van Doeveren

    Michiel Van Doeveren, Senior Policy Advisor, De Nederlandsche Bank N V

    ·         Actual developments in the European Cards Market

    ·         The Dutch migration to EMV-cards

    ·         E-payments in the Netherlands

    ·         Policy issues

    ·         Vision of DNB on SEPA for Cards

    17:45 Chairman’s Closing Remarks and Close of Day One

    8:30 Registration & Coffee

    9:00 Chairman's Opening Remarks

    Francesco  Burelli

    Francesco Burelli, Principal, Value Partners

    9:05 Contactless Cards – Is there a Business Case for the Issuer?

    Kasimir  Hirn

    Kasimir Hirn, Head of Cards, OP-Pohjola

    ·         What are the prerequisites for investment in contactless technology?

    ·         Is anybody ready to pay for it?

    ·         The chicken and egg problem

    9:35 Cards and Mobile - Hand in Hand?

    Bent Bentsen

    Bent Bentsen, Senior Advisor, Group Payments and Infrastructure, DnB NOR Bank

    ·         What are the main drivers for mobile payments?

    ·         How to build a mobile payments business case - for all stakeholders

    ·         Mobile payments is the evolution of cards

    ·         Mobile payments in Norway

    10:05 Mobile Financial Services in Multi-Distribution Strategy

    Juha Risikko

    Juha Risikko, Senior Product Manager, Nordea

    ·         How does the mobile fit in the big picture 

    ·         The latest mobile financial service developments in the Nordics 

    ·         The main altervatives for mobile payments

    10:35 Morning Coffee

    11:00 NFC Proximity Payments: Why Is It (Not) Happening?

    Maarten Bron

    Maarten Bron, Vice President, Collis Innovation Centre, Collis


    ·         What are the progressions

    ·         Opportunities

    ·         Issues for rollout

    ·         What the consumer thinks

    11:40 Profitable Payments Through the Prepaid Ecosystem

    Katrina Beckwith

    Katrina Beckwith, New Business Sales Manager, Fidelity National Information Systems

    12:20 Ensuring Trust in Electronic Payment Media

    Päivi  Heikkinen

    Päivi Heikkinen, Head of Division, Bank Of Finland

    ·         Level playing field in security

    ·         Oversight of payment instruments

    ·         Security and innovation

    12:50 Networking Lunch

    13:50 Is There a Future for Norwegian Domestic Payment Systems?

    Tor Johan  Bjerkedal

    Tor Johan Bjerkedal, Director, Finance Norway (FNO)

    ·         Brief overview of the Norwegian payments landscape

    ·         Characteristics in the Norwegian card market – is it special?

    ·         Will the Norwegian domestic card schemes survive in the future?

    14:20 Barclaycard: Innovation in Payment Acceptance

    Stuart  Blair

    Stuart Blair , International New Business Manager, Barclaycard

    ·         Contactless

    ·         EMV

    ·         Internationalisation

    14:55 Experiences from a Mobile Provider

    Mikko Haikonen

    Mikko Haikonen, Senior Manager, Nokia Solutions Unit, Nokia Corporation

    ·         Nokia NFC experiences

    ·         Payments and ticketing using NFC

    ·         Experiences and lessons learnt from a the pilots

    ·         Commercial rollout

    15:30 Afternoon Tea

    15:55 Market Development from the Mobile Service Provider’s Perspective

    Pekka Markkula

    Pekka Markkula, Head of Service Enablers, TeliaSonera

    ·         How are different card and ticket services approaching mobile versions?

    ·         Status update from GSMA Pay-Buy-Mobile

    ·         Interoperability e2e - how does cards, platforms and applications work together in mobile?

    ·         Future steps towards mobile and NFC services

    16:30 Capturing the Low Value Payment Opportunity with Contactless Payments

    Mark  Austin

    Mark Austin , Head of Contactless , Visa Europe

    ·         The benefits of contactless payments to stakeholders

    ·         Development of contactless payments across Europe

    ·         Lessons learned from early implementations

    ·         Future developments

    17:05 Chairman’s Closing Remarks and Close of Conference



    TSM Mobile Workshop

    TSM Mobile Workshop

    Sheraton Stockholm Hotel and Towers
    18th January 2011
    Stockholm, Sweden

    Fraud Risk Management Strategies for Bank Card Markets

    Fraud Risk Management Strategies for Bank Card Markets

    Sheraton Stockholm Hotel and Towers
    18th January 2011
    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

    Event Title


    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
    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.

    Thank you for visiting our event

    If you would like to receive further information about our events, please fill out the information below.

    By ticking above you are consenting to receive information by email from SMi.
    Full details of our privacy policy can be found here https://www.smi-online.co.uk/privacy-legals/privacy-policy/.
    Should you wish to update your contact preferences at any time you can contact us at data@smi-online.co.uk.
    Should you wish to be removed from any future mailing lists please click on the following link http://www.smi-online.co.uk/opt-out