ow in it\'s 11th year, SMi\'s Nordic Card Markets Conference provides a fantastic opportunity to learn from leading experts in this innovative area. Learn about the latest developments in the Cards Market within the Nordic Region. One of the most innovative region when it comes to Card technological developments. This year the event will focus upon the impact of new technologies, including Contactless Cards, and Mobile Payments, upon the Payments marketplace.

1. REGISTER BY SEPTEMBER 30TH 2011 AND RECEIVE A £300 DISCOUNT
REGISTER BY OCTOBER 31ST 2011 AND RECEIVE A £100 DISCOUNT
SMi present their 11th conference on…
Nordic Card Markets
Wednesday 18th January & Thursday 19th January 2012,
Copenhagen Marriott Hotel, Copenhagen, Denmark
Key Speakers Include:
• Hemant Bijal, Payment Systems Development
Group, The World Bank
• Mette Grimm Munck, Senior Manager, Cards
Emerging Payments, NETS
• Norbert Bielefeld, Deputy Director-Payment BENEFITS OF ATTENDING:
Systems, World Savings Bank • Learn about the important case studies taking place for
• Bent Bentsen, Senior Advisor, Group Payments,
Card Payments in the Nordics region
DnB NOR Bank
• Network with the key personnel in the payment
• Michael van Doeveren, Senior Policy Advisor,
De Nederlandsche Bank marketplace in the payment marketplace in the Nordic
• Thor Ragner Klevstuen, Business Developer, region
Cards and Payments, SpareBank • Evaluate the latest trends in the payments industry
• Ugo Pietro Bechis, Chairman, European • Update your knowledge on the developments in the
Payments Council market and focus on the new payment technologies,
• Kurt Gjesten, Senior Vice President, Pan-Nordic
including Mobile Payments and Contactless Cards
Card Association
• Compare the Nordics region with other regions across
• Anneke Kosse, Policy Advisor, Payment Systems
Division, De Nederlandsche Bank Europe
PLUS A HALF-DAY PRE-CONFERENCE WORKSHOP Sponsored by
Tuesday 17th January 2012,
Copenhagen Marriott Hotel, Copenhagen, Denmark
Making the most of the EMV Chip
In association with Savantor
12.30pm – 5.00pm
REGISTER ONLINE AT:
www.nordiccardevent.co.uk
Alternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711

2. NORDIC CARD MARKETS DAY ONE | 18TH JANUARY 2012 www.nordiccardevent.co.uk
8.30 Registration & Coffee 13.50 EPC on SEPA for Cards- Progress and Challenges Ahead
• The SEPA Card Scenario
9.00 Chairman's Opening Remarks - Issues
Francesco Burelli, Principal Consultant, Value Partners
- Players
• EPC activity progress
KEYNOTE ADDRESS 1
Ugo Pietro Bechis, Chairman of the Cards and Payments
9.10 An update on the emerging card payments
• Case story: introduction of a new Nordic mobile payment Working Group, EPC
solution
• Contactless solutions and the experiences in the Nordics 14.30 SEPA for cards: the challenge of balancing standardisation,
• Opportunities within the market innovation and governance is still on!
Mette Grimm Munck, Senior Manager, Cards Emerging • Standardisation, a view from the frontline: why it takes so
Payments, NETS
long to do what seems so obvious
• Innovation: both providers and users must be motivated for
KEYNOTE ADDRESS 2
innovation to prove more than a catchword!
9.50 Development of electronic payments in the Baltic countries
• Legal and regulatory environment for electronic payments • SEPA governance: still a lot of chatting between air traffic
• Opportunities and challenges in future growth controllers and whoever thinks he is in the cockpit!
• Key implications for banks and other payment service • The nirvana of reconciled challenges: examples of vibrant
providers internal markets
Hemant Bijal, Payment Systems Development Group, • But, SEPA for cards: are we sure the destination hasn’t
The World Bank
changed during our journey?
Norbert Bielefeld, Deputy Director - Payment Systems, World
10.30 Morning Coffee
Savings Bank
11.00 Self-service through the use of eSignature
• Making the bank’s products more available 15.10 Afternoon Tea
• 14 million Nordic citizens have an eID
• Improves the applications processes, reducing both cost and CASE STUDIES AND TRIALS
completion time
• No need for physical legitimation or a handwritten signature 15.40 Norwegian NFC Trial
• Delivered through the cloud
• Examine each key trial
Jes Rasmussen, Strategy and Business Development, SEB Cards
• Understand the benefits
Arne Vidar Haug, Business Development Manager, Signicat
• Lessons Learnt
SEPA FOR THE CARD INDUSTRY Bent Bentsen, Senior Advisor Group Payments, DnB NOR
11.40 Current status of SEPA for Cards 16.20 The Blunk Pilot: piloting Visa PayWave in Norway
• Developments in the European Cards Market • Why do a contactless pilot?
• Fourth SEPA-migration monitor of DNB of firms and public • Pilot information
agencies
• Lessons learnt
• Current Developments in E- and M-payments
• Commercial Solutions
• Policy view on SEPA for Cards
Thor Ragnar Klevstuen, Business Developer, Cards and
Michael van Doeveren, Senior Policy Advisor,
De Nederlandsche Bank Payments, SpareBank
12.20 Networking lunch 17.00 Chairman's Closing Remarks and Close of Day One
Register online at www.nordiccardevent.co.uk • Alternatively fax your registrat
Supported by

3. NORDIC CARD MARKETS DAY TWO | 19TH JANUARY 2012 www.nordiccardevent.co.uk
8.30 Re-registration & Coffee 13.50 Developing the Mobile Payments Marketplace
• Current market in Nordic Region
9.00 Chairman's Opening Remarks • How to improve take up of Mobile Payments in the
Francesco Burelli, Principal Consultant, Value Partners marketplace
• What are consumers’ attitudes to Mobile Payments?
OPENING ADDRESS
Pekka Markkula, Head of Service Enablers, TeliaSonera
9.10 The Pan-Nordic Card Association - a Nordic Banking Initiative
• Nordic Coordination
CONSUMERS’ ROLE IN PAYMENT INNOVATION
• SEPA Standardisation
• Knowledge Sharing
14.30 What Factors are Driving Consumer Payment Choices?
- Committees
• Cash and debit card usage: evidence from the Netherlands
- Forums
• Main barriers to consumer payment choices
Kurt Gjesten, Senior Vice President, Pan-Nordic Card
• Impact of newspaper articles about payment card fraud
Association
• Role of socio-demographic and transaction-related factors
9.50 Card Payment’s in Central Banks’ Radar • Role of ethnicity in payment technology adoption
• Role of Card Payments Anneke Kosse, Policy Advisor, Payment Systems Division,
• Standardisation De Nederlandsche Bank
• Existing and Forthcoming regulation and control
Paivi Heikkinen, Head of Department, Bank of Finland 15.10 Afternoon Tea
10.30 Morning Coffee 15.40 The Payments Marketplace from the Retailers’ Perspective
• Understanding the important developments for retailers
11.00 New payment solutions overview • Encouraging retailers to adopt Contactless technology and
• The online world is becoming more pervasive Mobile Payments
• Mobile payments high level overview
• Understand the benefits of the new payments ecosystem for
• The convergence of online and mobile
retailers
• Requirements for industry players adaptation
Andreas Melan, Group Payment Card Manager, IKEA
• Overview of direction and next steps in Europe
Speaker to be confirmed, Compass Plus
16.20 Innovation in Payments
• Recent technological innovations
MOBILE PAYMENTS
• The rise of NFC
• How to ensure innovation in a harmonised payment
11.40 Mobile Payments
• Best definition for Mobile Payments marketplace
• Risks and Opportunities • Where are banks in the innovation of payments?
• Who Benefits? Malin Berge, Head of Cards, ICA Bank*
• Will money ever be mobile?
Mikko Haikonen, Senior Manager, Nokia 17.10 Chairman’s Closing Remarks and Close of Conference
12.20 Networking lunch *Subject to final confirmation
tion to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711 • GROUP DISCOUNTS AVAILABLE
WHO SHOULD ATTEND?
CEOs, Directors, Vice Presidents, Managers and Consultants of
Want to know how to get involved? Interested in
• Card Payments • NFC
promoting your finance services to this market?
• Payments • New Payment Streams
• Contactless Cards • Card Issuers Contact Mark Ram, SMi Marketing on
• Mobile Payments • Telecoms +44 (0)20 7827 6092 or email:
• Payment Innovation • Card Manufacturers
mram@smi-online.co.uk
• Advanced Payment Systems • Card Solution Providers
• E-Payment • Wireless Providers

4. HALF-DAY PRE-CONFERENCE
WORKSHOP
Making the most of
the EMV Chip
Tuesday 17th January 2012
12.30pm – 5.00pm
Copenhagen Marriott Hotel, Copenhagen,
Denmark
In association with
Overview:
This half-day Savantor workshop is designed for
banks and processors wishing to leverage their
investment in the EMV chip and PIN infrastructure
with new, added value propositions in order to
create profitable business growth and gain long
term, sustainable business advantage. The course is
non-technical, highly interactive and suitable for
senior retail banking marketing and product
development staff, as well as card specialists. The
course leader is Dr Nick Collin, a veteran in the field
and an experienced workshop facilitator. Through
presentations, case studies, exercises and discussions
he will encourage attendees to explore how EMV
technology can be used, not just to reduce fraud, but
also to improve customer recruitment and retention,
increase card usage, create new revenue streams,
and gain competitive advantage.
Programme
12.30 Registration & Coffee
1.00 Basics: the what, why and how of EMV chip
1.15 Innovation with EMV chip – infrastructures
and applications
1.45 Discussion: your bank and its markets
2.15 Realising core EMV chip benefits: safer
payments and more payments
2.45 Discussion: EMV deployment at your bank –
addressing issues and managing risks
3.15 Coffee Break
3.30 Beyond payments: leveraging the EMV chip
infrastructure with added value
applications
4.30 Discussion: chip-based business
opportunities at your bank
5.00 Wrap up and action points
About the workshop hosts
Dr Nick Collin, Practice Lead (EMV), Savantor
Nick Collin has over 30 years experience as a consultant to
the banking and payment industry and is an acknowledged
expert on chip and pin added value application.
Rod Nixon, Managing Director, Savantor
Rod Nixon has worked in the payments industry for the past
29 years including First Data, MasterCard International and
Visa EuroDe. He has made a particular contribution to the
development of the industry in the areas of Acceptance
Development, Debit Strategy and Payment Product
Development.
Jarkko Anttiroiko, Principal Consultant, Savantor
Jarkko Anttaroiko has 20 years experience in developing
electronic banking services. As Head of Cards in OPPohjola
Group he had active role in developing EMV based multi-
application cards.
About the organisation
Savantor provides a wide range of strategic advice and
operational implementation, based on detailed knowledge
of the latest thinking within the industry, since 1997 our
team of senior people from financial services, software,
processing and related industries has completed major
projects for many well known banks, card schemes, third
party processors and hardware/software vendors. Savantor
is accredited by Mastercard Worldwide to offer advice and
guidance on EMV implementation.

5. www.nordiccardevent.co.uk
Sponsored by:
Compass Plus provides comprehensive, fully
integrated and flexible payments software and
services that help financial institutions to stay
competitive in today’s market environment. Our
product offering includes card and account
management, processing system, fraud
management, Internet and mobile banking and
other systems necessary for developing and
running successful electronic payment projects of
all scales. www.compassplus.com
Elavon are a leading global provider of payment
services to more than 1 million merchants
worldwide, delivering secure, end-to-end
payment solutions including credit and debit
card processing, multi-currency support, and
cross-border acquiring. With Elavon, merchants
benefit from a single source provider that
manages payment processing across their entire
footprint. www.elavon.com
Signicat is an International award winning
provider of cross-border eID and eSignature
services for mobile and web. Several leading
Nordic companies have chosen Signicat as cloud
provider of strong authentication and binding
agreement confirmation. The customer list
includes SEB Kort, EnterCard, Bank Santander,
Ekspres Bank, PayEx, Bank Norwegian, Tryg,
Skagen Funds. www.signicat.com
SPONSORSHIP AND EXHIBITION OPPORTUNITIES
SMi offer sponsorship, exhibition, advertising
and branding packages, uniquely tailored to
complement your company's marketing
strategy. Prime networking opportunities exist
to entertain, enhance and expand your client
base within the context of an independent
discussion specific to your industry. Should you
wish to join the increasing number of
companies benefiting from sponsoring our
conferences please call: Alia Malick, SMi
Sponsorship on (0)20 7827 6168 or email:
amalick@smi-online.co.uk
SMI FINANCE FORWARD PLANNER
Mobile Payments
12/13 October 2011, Central London, UK
Benelux Infrastructure Forum
23/24 November 2011, Amsterdam,
Netherlands
Nordic Cards Market
18/19 January 2012, Copenhagen, Denmark
CEE Cards 2012
19/20 March 2012, Sofia, Bulgaria

6. NORDIC CARD MARKETS
Conference: 18th January - 19th January 2012, Copenhagen Marriott Hotel, Copenhagen, Denmark Workshop: Tuesday 17th January 2012
4 WAYS TO REGISTER
ONLINE at www.nordiccardevent.co.uk
FAX your booking form to +44 (0) 870 9090 712 POST your booking form to: Events Team, SMi Group Ltd, Great
Guildford Business Square, 30 Great Guildford Street London, SE1 0HS, UK
PHONE on +44 (0) 870 9090 711
EARLY □ REGISTER BY September 30th 2011 and receive a £300 discount
BIRD on the conference price
DISCOUNT □ REGISTER BY October 31st 2011 and receive a £100 discount
on the conference price
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