Cards Africa 2011 brochure

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The cash free generation is taking Africa by storm!
Cards Africa, Prepaid Cards Africa and Mobile Money World Africa are partnering with Africa to
usher in a whole new era in payments! page 6>>
The prepaid card has made payments easier and faster!
Learn from those who are making bank with payment innovation in Africa page 5>>
Is the full potential of mobile money to reach the unbanked
being realised?
Discover how next generation mobile payment systems are leading to great profits page 8>>
Africa
Cards
Payment innovation for banks, retailers and
government
Get smart
Conference: 22 - 25 March 2011 Exhibition: 23 - 24 March 2011
Sandton Convention Centre, Johannesburg, South Africa
Hear from
Uchenna Okwodu
Vice-President
e-Business
Bank PHB, Nigeria
Nassoro Hamza
Head of Global
Transaction Services
Citibank, Tanzania
Simon Just
Director Consumer
Issuing
ABSA Card,
South Africa
Fatai Baruwa
Head of Payment
Strategy and Cards
Stanbic, Nigeria
Lydia
Bediako-Asare
Head of Card
Centre
Ecobank, Ghana
Nvalaye Kourouma
Chief Executive
Officer
Afric Xpress
Services Inc, Ghana
Randell Hato
Chief Financial
Officer
Vodafone,
Ghana
Binesh Mangar
Head of Cards
The Mauritius
Commercial Bank,
Mauritius
Ilze Wagenar
Head Retail
Payments and
Interbank
Nedbank,
South Africa
Carol Realini
Chief Executive
Officer
Obopay Inc,
Senegal and Kenya
More highlights Page 3 >>
Full programme Page 5 - 8 >>
Demand for advanced payments and
the evolving regulatory frameworks
22 March 2011 >> Details on Page 9
Workshop 1 Workshop 2
Smart technology for smart people:
prepaid card functionality
25 March 2011 >> Details on Page 9
AND
Co-located with:
Gold Sponsor:Platinum Sponsor:

Who’s attending?Who’s attending?
Africa
Cards
• Retail & commercial banks
• Telco’s
• Entertainment & online gaming
• Government & utilities
• Transport & hospitality
operators
• Money transfer operators
• Prepaid card vendors
• Retailers & shopping centres
• Retail & commercial banks
• Micro-financiers
• Mobile telecom operators
• Mobile payment providers
• Mobile transfer remittance
companies
• Mobile payment vendors
• Retail &
commercial banks
• Reserve /central
banks
• Retailers & credit
card issuers
• Foreign exchange
bureaus
• Government
• Card issuers,
manufacturers
& vendors
• Payment systems
providers
• Telco’s
• Major billing
companies
• Micro-financiers
Cards Africa 2011book early and save
The combined desire for faster transactions processing
and the emergence of mobile money and prepaid cards
is drastically changing the cards landscape. In addition,
card fraud has not abated and new ways of attacking
the systems are constantly appearing.
With credit, debit and smart cards experiencing
tremendous growth in Africa, Cards Africa 2011
provides a platform for you to discuss pertinent issues
in this business sector.
Now is the time to gain a host of new skills,
by attending you learn:
• How to increase ARU
• How to make cross-border transactions easier
• How to gain a part of the untapped potential
• How to have a full grasp on EMV migration
• How to minimise fraud
• How to increase your scope in the face of ageing
infrastructure
• How to ensure revenue streams through mobile
money
Africa’s prepaid cards and mobile money
revolution
Learn how Africa is swiftly taking up the most talked
about payments industry potential: The un-banked!
The un-banked population and diaspora has become
a major driver in the business models for bankers
and non-bankers alike. Non-financial businesses are
offering financial services and the sector is growing at
an unprecedented rate globally.
Why Cards Africa 2011?
We have Africa’s most successful money moving
stories. These will change the way you do banking,
retail transactions and payments. Reserve your place
now to ensure you don’t miss out on this interactive
learning opportunity!
2
Vimbayi Kanyonganise
Conference Manager
Terrapinn Limited
5-day Platinum
pass
Save R5370
if you book
before 31 Dec
See back page
I enjoyed
the event.
Extremely
interesting to
know what
is going on
in the rest of
Africa and in
the world on
card payments.
I enjoyed the
conference.
Karen Smith
EDC / eFuel
Marketing Manager
Engen Petroleum
Limited
Cards Africa – unique networking experience
Cards Africa

www.terrapinn.com/2011/cardsza book early and save
3
“Now people
will be able to
go to a bank
or other
financial
institution,
obtain a
contactless
chip card and
carry this in
their wallets
instead of
cash”
Times
June 9, 2010
CardsAfrica
istheonly
conference
inAfrica
exploringall
thedifferent
payments
systemsthat
aretaking
Africaby
storm
online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW!
Prepaid Cards Day
Day One Tuesday, 22 March 2011
Prepaid card revolution
• Identifying prepaid opportunities in the developing
world
• The evolution of prepaid in today’s market
Innovation
• Transport, loyalty, parking and credit card. How to
make it work together
• Multifunction prepaid cards – what’s the business
case for them?
• Semi-closed loop environments vs. closed loop
prepaid cards
Business models
• Unraveling the potential – prepaid retail vs. corporate
cards
• Blended products: Gautrain
• Prepaid card scheme for the un-banked in Namibia:
Namibian case study
Security & regulation
• Securing your business good will through securing
your prepaid cards
• Understanding regulation that affects the prepaid
sphere
Mobile Money Day
Day Four Friday, 25 March 2011
A brave new mobile world
• Turning your mobile money business challenges into
opportunities
• The birth of Obopay in the African market
• Exploring suitable reforms for regulating Africa’s
mobile money markets
Business models
• M-commerce – a brave new world or just one more
channel?
• Partnering up – profitable relationships for MNOs and
banks
• Making green tape out of red tape: Setting up a
mobile money system
• The remittances market – effectively banking money
from abroad
• Afric Xpress- Txt’n’pay, money moving through your
finger tips
Infrastructure
• Technology evolution. Mobile services and financial
services
• Cross-border capabilities
Legislation
• Addressing AML laws and finding cost-effective
protection
• Fraud and risk management
Cards Africa 2011
Day Two & Three
Wednesday, 23 & Thursday, 24 March 2011
The cashfree generation
• The card revolution and what it means for Africa’s
banking sphere
• Inter-operability – Africa’s cross-border transactions
made easier
• The potential of Africa’s un-banked population
Business models
• Multi functional cards
• Credit cards as a revenue source again post-recession
• Untapped markets - domestic vs. international – card
applications
Collaborations
• Mapping the way forward for retailers in Africa
• Co-branding, branding and loyalty – Trust Chemists
• Competing with non-traditional financial services,
financial institutions
Cards and payments regulation
• Card interoperability- the trends and opportunities
• Fee structures, finding balance between merchant,
customer and bank
Next generation payments
• Strategy and analytics in the card business
• The emergence of Get Cash ‘one tap’ banking as a
payments solution
• Migration of cards to mobile – The future of
consumer payments in Africa
Payment convergence
• Identifying the “profit centre” payment systems in
Africa
• Bringing your infrastructure up to speed with your
operations
• Regional report on EMV migration
Fraud and security
• Global security and fraud trends in the cards payment
industry
• Fighting fraud – taking the chip off the shoulder
Technology and innovation
• IT as the future of cards payments, taking a sneak
preview into tomorrow
• Chip technology implementation
Conference highlights
Your event contact is Brian Shabangu
+27 (0)11 463 6001
enquiry.za@terrapinn.com
“There is a
need to walk
in the shoes
of people
with different
needs to bring
first financial
to the
previously
un-banked.”
Business Day
July 30, 2010
Post-conference workshops
Demand for advanced payments and the
evolving regulatory frameworks
OR
Smart technology for smart people: Prepaid
card functionality

Catherine
Mogambi
Head of Card
Services
Commercial
Bank of Africa,
Kenya
Kingsley Ogbonna
Head of Card
Business
Bank PHB,
Nigeria
Graeme Holmes
Head Consumer
Cards
Nedbank,
South Africa
4
“Considering
that
something
like 17
percent of all
remittances
from UK last
year were
going to
Nigeria, you
can see the
potential.”
Financial Times
September 30,
2010
“We are
planning
nothing
short of a
mobile money
revolution
in the
country,”
Vodacom CEO
Pieter Uys
Business Day
July 30, 2010
A-list of industry experts
Abeyu Mengesha
Head of Card
Centre
Wegagen Bank,
Ethiopia
Francis
Matseketsa
Mobile Money
Executive
Econet Wireless,
Zimbabwe
Aderonke Kuye
General Manager
e-Business & Card
Services Guaranty
Trust Bank Plc,
Nigeria
Bezant Chongo
Regional
Microfinance
Specialist
PlaNet Finance,
South Africa
Gavin Savala
Regional Head of
Card Issuing and
Acquiring
BancABC,
Southern Africa
Olusegun Falana
Group Head Card
Services
Fin Bank,
Nigeria
Susan Potgieter
General Manager
Commercial Crime
Office
South African Banking
Risk Information
Centre (SABRIC)
Mark Taylor
Managing Executive
Terminals Financial
and On-Line
Services M-PESA
Vodacom,
South Africa
Karen Jordaan
Regional Director
Northern and
Southern Africa
Western Union
Africa
Patrick Gordon
Group CEO
Mobicash,
South Africa
Yolande van Wyk
CEO Smart Services
FNB Mobile and
Transact Solutions,
South Africa
Agatha Yowela
Head of
Acquiring Cards
Barclays Bank
of Zambia,
Zambia
Hoda Shoukry
Chief Executive
Officer
Mediterranean
Smart Cards
Company,
Egypt
Chris Reddish
Chairman
Prepaid
Forum, UK
Dr Matthews
Mtumbuka
Head of Technical
Services
Malswitch,
Malawi
Brad Gillis
Chief Executive
Officer Regulated
Products Cluster
BankservAfrica,
South Africa
Norman
Roberts-York
Head Payment
Solutions
Transaction
Payment Solutions,
London
use your brain
The Terrapinn difference
Terrapinn events create exciting places to...
• interact and grow knowledge
• meet and make contacts
• become inspired and re-energised.
5-day Platinum
pass
Save R5370
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before 31 Dec
See back page
Cards Africa
2011 is bring-
ing together
all the leaders
in payments
from around
Africa!

www.terrapinn.com/2011/prepaidza book early and save
5online www.terrapinn.com/2011/prepaidza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW!
Book before 31 December to save 20%
Fax the registration form to +27 (0)11 463 6903
Prepaid Cards Day Tuesday, 22nd of March 2011
07:30 Registration and refreshments
08:30 Chairperson’s opening remarks
Philip Froom, CEO, Draw Card, South Africa
Prepaid Card Revolution
08:45 Keynote address: The evolution of prepaid in today’s market
• The evolution from pay now, to pay later and pay before
• Prepaid and it’s effects on cash flow
• Exploring available avenues of increased investment into prepaid
• What the outlook is for prepaid adoption and how it will make
your business make sense
Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and
Preposition, ABSA, South Africa
09:15 Keynote address: Identifying prepaid opportunities in the
developing world
• The un-banked market – how can the prepaid card gain market
share?
• Reaching lower-end markets through infrastructure investment
• Value added services that appeal to the market and tap into
undiscovered revenues
• Prepaid business models – uncovering Africa’s unique market
opportunities
Chris Reddish, Chairman, Prepaid International Forum, UK
Innovation
09:45 Panel session:Mapping the way forward for retailers in Africa
• Staying on the safe side, legal issues around liability for retailers.
• Retailers partnering with banking sector to create unique
products
• How the retail sector will be incorporating prepaid cards into
their strategic plans
Errol Braithwaite, Technical Executive, Bombela Concession
Company, South Africa
Nishid Dosa, General Manager Claims, Hollard, South Africa
Zaida Africa, Gift Currency Specialist, Old Mutual, South Africa
10:30 Morning refreshments
11:00 Panel session: Multifunction prepaid cards – what’s the
business case for them?
• Extending card account life through adding value to the cards,
adding profits to your bottom line
• Understanding which functional partnerships will increase brand
strength and profits
• Using brand loyalty to increase card uptake and result in greater
market share
Vinayak Prasad, Head of Cards, Yes Bank, India
Peter Sidenius, Director, Prepaid International Forum, UK
Fatai Baruwa, Head of Cards and Strategy, Stanbic, Nigeria
11:45 Panel session: Semi-closed loop environments vs. closed loop
prepaid cards
• The business case in having open loop cards, finding revenue
streams in Africa’s low infrastructure market
• The business case for closed loop cards, providing security and
convenience in high transaction markets
• How both card implications can reach divergent markets, and
ensure that all potential profits are being made
Paul Nzimande, Head of Debit Cards, Ithala Bank, South Africa
Kingsley Ogbonna, Head Card Business, PHB Bank, Nigeria
Aderonke Kuye, General Manager e-Business and Card Services,
Guaranty Trust Bank, Nigeria
12:15 Case study: Unraveling the potential – successful smart card
implementations
• Overview and history of smart card use in retail and corporate
settings
• Finding the correct model to suit your resources and target
market
• Building the best relationship with retail and corporate to create
a strengthened prepaid card
Richard Poynder, CEO, Smartex, UK
13:00 Networking luncheon
14:00 Case study: Blended products Gautrain
• A new era of technology comes to Africa, what this means for
the economy
• The card as an access system, payment method and security
feature, getting the most out of it
• Report on how the card has revolutionised travel in South Africa
• Financing channels and ensuring continued investment
Errol Braithwaite, Technical Executive, Bombela Concession
CompanyEvolution of prepaid
14:30 Case study: Prepaid Card Scheme for the un-banked in
Namibia
• What challenges do the un-banked face in Namibia
• Overview of the prepaid card scheme
• Opportunities and challenges ahead
• Policy response in this regard
Albert Matongela, Principal Payment System Analyst Banking
Supervision, Bank of Namibia
15:00 Afternoon refreshments
Security & Regulation
15:30 Panel session: Securing your business good will through
securing your prepaid cards
• Best practice for security in prepaid cards
• Ways of improving security without compromising on prepaid
convenience and accessibility
• Security features being implemented to protect users and
issuers of prepaid cards
Uchenna Okwodu, Group Head eBusiness, Phb Bank, Nigeria
Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and
Preposition, ABSA, South Africa
Binesh Mangar, Head of Cards, Mauritius Commercial Bank,
Mauritius
16:15 Panel session: Understanding regulation that affects the
prepaid sphere
• The regulatory environment around prepaid cards and how to
make it count towards your effectiveness
• Getting FICA right in prepaid transacting
• Finding your footing with the Consumer Protection Bill and
making it work as a business tool
• Access for non-banks into the prepaid payment sector
Kumaran Selvarajalu, Head of Payments Regulation, FirstRand
Bank, South Africa
Albert Matongela, Principal Payment System Analyst: Banking
Supervision, Bank of Namibia, Namibia
17:00 Chairperson’s closing remarks and close of Prepaid Cards Day

Day One Wednesday, 23rd of March 2011
The Cashfree Generation
08:45 Opening keynote address: The card revolution and what it
means for Africa’s banking sphere
• Overview of cards usage and implementation and how it has
changed the way we do business
• New technology being implemented internationally and how to
make it work for you
• Infrastructure investment and assuming efficient technology
waves
Alice Zanza, Payments Systems Specialist, World Bank, USA
09:15 Keynote address: The potential of Africa’s un-banked
population?
• How to achieve the highest profits, the business case for
volume over margins
• Increasing market share, market dynamics and understanding
the specific market needs
• Developmental vs profit orientated business models
Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria
09:45 Keynote address: Inter-operability – Africa’s cross-border
transactions made easier
• African banks working towards a common goal to achieve higher
market efficiency
• Cross-border transactions simplified and made cost-effective
• Uniformity in technological implementation & consistency i
regulation to ensure transactional ease
Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria
10:15 Morning tea and refreshments
Business Models
10:45 Case study: The advantages of multi-functional cards in
contemporary banking
• Understanding customer kinetics, the customer insight that
influences business plans
• Blended products, getting the most value and benefit per card
• Cards as an engine for ecomonic independance
Gavin Savala, Regional Head of Cards Southern Africa, BancABC
Southern Africa
11:15 Panel session: Credit cards as a revenue source again – post
recession
• Finding the credit opportunity post payment following prepaid
and current payment upswing
• Expanding into new markets and regaining market share through
unique positioning
• Protecting your credit model from risks arising from credit
Vinayak Prasad, Head of Cards, Yes Bank, India
Simon Just, Director Consumer Issuing, ABSA Card, South
Africa
Agatha Yowela, Head of Cards, Barclays Bank, Zambia
12:00 Case study: Untapped markets - domestic vs. international –
card applications
• Benchmarking with successful business models in cards &
payments
• Recognising potential in markets and pioneering within budget
• Untapped markets in Africa and the way forward to reach and
conquer them
Hoda Shoukry, CEO, Mediterranean Smart Cards Company,
Egypt
12:30 Reducing total cost of ownership by outsourcing your
payment processing
• Rising costs, how to stay ahead and keep your business ahead
• Outsourcing the pros and cons
• What to look for in an outsourcing firm
Norman Roberts-York, Head Payment Solutions, Transaction
Payment Solutions, London
Collaborations
14:00 Case study: Co-branding, branding and loyalty – Trust Chemists
• What can Africa learn from more established markets
• Customer-driven diversification that yields high profits
• What more for the sector, keeping cards relevant and cutting edge
Nittin Chittal, Vice President Direct Banking, Axis Bank, India
14:30 Panel session: Competing with non-traditional financial
services financial institutions
• Moving away from financial services and systems that are
becoming obsolete
• Finding the right mix in card functionality, swipe vs. withdrawal
• Ingenuity for future generations, finding new ways to add value
Aderonke Kuye, General Manager eBusiness and Card Services,
Guaranty Trust Bank, Nigeria
Gavin Savala, Regional Head of Cards Southern Africa, BancABC,
Southern Africa
Catherine Mogambi, Head of Cards and Channel Support,
Commercial Bank of Africa, Kenya
Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia
Patrick Gordon, Group CEO, MobiCash, South Africa
15:15 Networking & afternoon refreshments
Cards and Payments Regulation
16:00 Presentation: Card interoperability trends and opportunities
• Card payments interoperability and regulation and how to
overcome the challenges facing the continent
• Facts, figures and trends – statistics to explore card payments
interoperability activities and stay ahead and competitive
• The good, the bad, the ugly – Interoperability: project successes,
failures and lessons
• Where to from here, new innovations and opportunities - from a
card interoperability perspective
Brad Gillis, CEO Regulated Payments Cluster, BankservAfrica,
South Africa
16:30 Panel session: Fee structures, finding balance between
merchant customer and bank
• Customer needs and how these can be translated into revenue
• Bank fee structure that increase market share and profit margins
• Finding mutually beneficial merchant partnerships
Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya
Olusegan Falana, Group Head Card Services, Fin Bank, Nigeria
Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana
Alice Zanza, Senior Payment Systems Specialist, Southern Africa
World Bank, USA
Albert Matongela, Principal Payment System Analyst, Namibia
17:15 Chairperson’s closing remarks and close of Cards Africa day one
17:30 Cocktail Function – Morrocan Theme
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Book before 31 December to save 20%
Day Two Thursday, 24th of March 2011
Brad Gillis, Chief Executive Officer Regulated Products Cluster,
BankservAfrica, South Africa
Next generation payments
08:45 Keynote address: Get Cash – The emergence of Get Cash ‘one
tap’ banking as a payments solution
• Find new solutions to old problems through innovative strategies
• Marketing your brand name with breakthrough products that
increase your customer base
• Where to from here, new areas that Get Cash will be
implementing its smart technology
Simon Just, Director Consumer Issuing, ABSA Card, South Africa
09:15 Keynote address: Strategy and analytics in the African card
business
• Strategy in the cards industry that puts you ahead of the pack
• Analytics as a back bone of the cards business: Sharing in the
MCB success story
• New ideas that grow your portfolio and give your card business a
unique position
Binesh Mangar, Head of Cards, Mauritius Commercial Bank,
Mauritius
09:45 Morning refreshments and exhibition viewing
10:15 Keynote address: Migration of cards to mobile – The future of
consumer payments in Africa
• A model for examining payments opportunities and a
perspective on the likely winners and losers
• The “Big 5”, or is it “Big 6”? Game changing innovations in retail
payments over the past 50 years
• The drivers of change in the way consumers pay vs. the absolute
laws of payments
Graeme Holmes, Head Consumer Cards, Nedbank, South Africa
Payment convergence
10:45 Regional Panel Session: Identifying the “profit centre”
payment systems in Africa
• Identifying the payment patterns to ensure that your business
positioning is accurate
• Discover which payments are resulting in higher profits and
more account openings
• Map the way forward to strengthen Africa’s overall payment scene
Paul Nzimande, Head Debit Card, Ithala, South Africa
Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria
Catherine Mogambi, Head of Cards and Channel Support,
Commercial Bank of Africa, Kenya
11:30 Case study: Bringing your infrastructure up to speed with your
operations
• Telecommunications report on Africa, where we are moving
towards
• Having the correct resources to implement multi payment
systems for business growth
• Staying ahead of competition by staying one step ahead of
technological changes
Dr Matthews Mtumbuka, Head of Technical Services, Malswitch,
Malawi
12:00 Panel session: Re-aligning your product offerings to sustain
competitiveness
• Regional reports on EMV compliance and its effects
• Issues being encountered regionally in terms of investment
technology or regulation
• The business case for moving away from proprietary cards
Agatha Yowela, Head of Cards, Barclays, Zambia
Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana
Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia
Kingsley Ogbonna, Head Card Business, Bank PHB, Nigeria
14:00
Fraud and Security
14:30 Presentation: Global security and fraud trends in the cards
payment industry
• Exploring the dynamics around security and authentication
common practice
• Understanding and staying ahead of emerging crime patterns
• Best practices for curtailing fraud, through anticipatory skills
• Efforts, skills and systems required to combat these trends
Susan Potgieter, General Manager Commercial Crime Office,
SABRIC, South Africa
15:00 Panel session: Fighting fraud – taking the chip off the shoulder
• Magnetic stripe to chip migration and what it means for security
and fraud management
• Infrastructure required to support chip use
• Understanding the implications of liability shift on merchants and
banks and the international impact on clientele
Olusegun Falana, Group Head Card Services, Fin bank, Nigeria
Agatha Yowela, Head of Cards, Barclays, Zambia
15:45 Afternoon refreshments
Technology and Innovation
16:15 Case study: IT as the future of cards payments, taking a sneak
preview into tomorrow
• African infrastructure funding report, discovering avenues for
accessing finance
• Card payment innovations currently in the pipeline and how they
will impact the sector
• Innovation today, common place tomorrow, how to stay ahead
of tomorrow
Anne Daffey, Head of Innovation and New Business, ABSA,
South Africa
16:45 Panel session: Chip Technology implementation
• Is chip technology encouraging or inhibiting African card growth
• How banks invest in this technology in the face of budget cuts
• What are the pipeline technologies and spin off from chip card
Nassoro Hamza, Vice President and Head of Global Transaction
Services, Tanzania
Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria
Dr Matthews Mtumbuka, Head of Technical Services, Malswitch,
Malawi
17:00 Chairperson’s closing remarks and close of Cards Africa day two
7online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW!
Things that keep you awake at night
You have voted for these topics! Your chosen speakers
will now offer you real-time, spontaneous solutions
and commentary on the issues that keep you awake at
night. Bring your questions to this discussion.

Mobile Money Day Friday, 25th of March 2011
A brave new mobile world
08:45 Keynote address: Turning your mobile money business
challenges into opportunities
• Find the right business model and profits from ‘lower end’
market transactions
• Critical mass is as a necessity to make profits in Africa
• Attract and stimulate the correct investment into infrastructure
Moses Opeto, National Manager Mobile Money, MTN, Uganda
09:15 Keynote address: The birth of Obopay in the African market
• Obopay in the Senegalese market and future expansion
• How Obopay is capturing the remittances market in the diaspora
• Overcome regulatory issues between and within countries
Carol Realini, CEO, Obopay Senegal, Kenya
09:45 Keynote address: The business case for mobile money in
Africa
• Understand financial and business factors that will influence
mobile money
• Find the correct product mix for your business to sustain a
product launch
• Protect enterprise goodwill and telco core business to ensure
long term success
Randell Hato, Chief Financial Officer, Vodafone, Ghana
10:15 Morning refreshments and networking
Business Models
10:45 Keynote address: m-Commerce – a brave new world or just
one more channel
• Is the mobile payments channel a disruptive business change?
Find answers to business challenges
• How mobile payments really replace the cash economy
• Explore mobile payments as a part of mainstream consumer
payments infrastructure
• Success factors for mobile access to banking infrastructure
Yolande van Wyk, CEO, Smart Services FNB Mobile and
Transact Solutions, South Africa
11:15 Case study: Partnering up M-Pesa Vodacom South Africa
• Value adding partnerships that lead to higher profits
• The success of network use in mobile money
• The pending need for bank-led transfers, KYC (Know Your
Customer) systems as a security tool
Ilze Wagenar, Head Retail Payments and Interbank, Nedbank,
South Africa
11:35 Case study: Setting up a mobile money system
• Understand the legalities in setting up a mobile money system
• Launch a financial product in a non financial business
• M-Pesa South Africa as at March 2011 and where to from here
Mark Taylor, Managing Executive Terminals Financial and
On-Line Services M-PESA, Vodacom, South Africa
11:55 Presentation: The remittances market – effectively banking
money from abroad
• The remittances market and its potential in Africa
• The economic structures necessary for a remittance market
• Customer orientated services, understand the demographical
needs that bring in revenue
Karen Jordan, Regional Director Northern and Southern Africa,
Western Union
12:25 Case study: Mobile banking – the outreach model – creating
virtual banks for the micro market
• Mobile as a channel to increase access to financial services
• A business model that creates inclusive banking and increases
your market share
• Lessons to be learnt from bank and telco-led models
Bezant Chongo, Regional Micro Finance Specialist, PlaNet
Finance, Southern Africa
Infrastructure
14:00 Case study: Afric Xpress: Success story
• Txt’n’pay and success in the Ghanaian market
• Business growth from partnering with Vodafone and others
• Where we are taking mobile money in the future?
Nvalaye Kourouma, CEO, Afric Xpress, Ghana
14:45 Panel session: Technology evolution: mobile and financial
services
• Investment, upgrading and maintenance of telecoms systems
• Technologically dependant new markets
• Moving towards cross telecom network money transfer and how
that will open new markets
Paul Stemmet, General Manager, MXIT Lifestyle, South Africa
Pious Musabaila, Head of eBusiness Mobile Payments and
Transactional Services, Zanaco, Zambia
Brian Richardson, MD and CEO, Wizzit, South Africa
Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe
Patrick Gordon, Group CEO, MobiCash, South Africa
15:15
16:00 Case study: Signposts for mobile money
• Highlights from the Mobility 2011 research project
• The role of mobile money in driving the mobile internet
• Steps taken for the rise in the digital participation curve
Arthur Goldstruck, Managing Director, World Wide Worx, South
Africa
Legislation
16:15 Presentation: Addressing AML laws and finding cost effective
protection
• Foreign exchange regulation and its role in the securing of
mobile money systems
• How regulation will change the face of mobile money
• How to get the most out of bank infrastructure
Nassoro Hamza, Vice President, Citi Bank, Tanzania
17:00 Panel session: Fraud and risk management
• Strong control systems by mobile operators (PIN) to protect both
customer and service provider
• Debt-managements and incentive cards, using them as a risk
manager
• Bank-led models and their advantages, KYC and AML
identification, how these issues are increasingly becoming
national security issues
Kumaran Selvarajalu, Head of Payments Regulation, First Rand
Bank, South Africa
Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe
Nvalaye Kourouma, CEO, Afric Xpress Ghana
Lee Albertyn, Managing Executive Digital Channels, ABSA, South
Africa
17:45 Chairperson’s closing remarks and close of conference
Networking & afternoon refreshments
Mobile Money World Africa 2011book early and save
8 BOOK NOW! online www.terrapinn.com/2011/mobileza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903

online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! 9
5-day Platinum
pass
Save R5370
if you book
before 31 Dec
See back page
Fun, high-speed
breaks in the
conference day for
making new contacts
and exchanging details.
Arrange meetings
online before you
arrive. Access event
resources, such as
white papers and
presentations, after
you’ve left.
More than listening,
interact with our
panelists
This is your chance to
shape the conference
agenda. You select the
topic and presenters.
So bring along your
ideas and get ready
to make a name for
yourself.
We lessen this
brochure’s impact on
the environment by
using environmentally
friendly paper.
Get the
most
from your
conference
Workshop 1 – Tuesday 22 March 2011 Workshop 2 – Friday 25 March 2011
Conference Workshops
Your workshop leader
Your workshop leader
Peter Sidenius
Director | Edgar Dunn & Company,
United Kingdom
Peter has over 18 years of experience
in consulting in strategic consulting to a
variety of leading industry clients in financial
services, with wide geographical experience
across the European, North American,
Middle Eastern, and African markets.
Craig Kilfoil
CEO I ExactSwitch SA
Craig has over a decades expertise in
new technologies and payment systems.
His expertise is built on actual experience
through the deployment of new payment
technologies into developing markets with
the view of achieving efficient payments
and financial service deepening in “banking
the un-banked”, focused largely in Africa.
Mobile money payment demands – business
effects and evolving regulatory frameworks
Objective
The relationship between demand for new payment
solutions and the increased focus on regulatory
developments applied to mobile payment solutions will
be explored in this interactive workshop. Participants
will be provided with an in-depth overview of advanced
mobile payment developments globally and the
regulatory developments and trends that affect the
sector. The workshop will then illustrate how new
services can flourish in this environment, by turning
to how players in mobile payments can involve
themselves in the regulatory framework developments
through engaging in industry bodies.
09:00 Introduction to mobile money
• Main regulatory concepts of financial regulation
• Mobile money models
• Regulatory factors affecting each mobile
money model
• Diagnostic approaches: What is the right
mobile money model in the given regulatory
environment?
11:00 How do we scale the mobile frontier,
leveraging technology and partnership
for sustainable development and financial
inclusion?
12:30 Networking lunch
13:30 m-Banking, m-payment, and electronic
remittance systems
• Systems that are being implemented and their
success stories
• Case studies
15:00 Afternoon refreshments and networking
15:30 Pro-actively engaging in shaping the
regulatory environment. An in-depth review
of regulatory developments in regions driving
the development of mobile money regulation:
A look at the leading countries.
• Interacting with regulatory bodies
• Engaging with industry bodies
• Consumer rights/protection
• AML, KYC
17:00 End of workshop
Smart technology for smart people:
prepaid card functionality
Objective
This session will introduce the use of smart cards and
will explain the smart card family of technologies and
generic attributes available and appropriate for likely
applications to be supported, special attention and
comments will be given to the “Prepaid Card” together
with their respective strengths, weaknesses and cost
implications.
09:00 Smart card technologies
• An analysis of chip types and performance,
card types including memory, micro-processor,
combi and hybrid cards together with their
performance and usage
• Description of the typical operation of each
card type
11:00 Security
• A description of security features of different
card types, together with an explanation of
encryption and decryption routines
12:30 Networking lunch
13:30 The business and financial case for prepaid
cards
• An explanation of the issues relating to the
development of business and financial cases
and plans for smart card-based schemes, and
the identification of the main areas of cost and
revenue
15:00 Afternoon refreshments and networking
15:30 Prepaid card business models
• This session considers the politics and
practicalities of the biggest emerging market
sectors- transport etc
• A technical and commercial description of
e-payment systems and products for which
prepaid cards can be used
17:00 End of workshop
OR

Sponsor or Exhibit
Contact Mark Anderson +27 (0)11 516 4038
mark.anderson@terrapinn.co.za
10
About our sponsors
Get acquainted with key industry decision makers
Only conference and expo in Africa
incorporating cards & payments,
mobile and prepaid
Banks and financial institutions need to ensure
sustainable performance in customer acquisition
and retention through the use of 21st
century
card, mobile and prepaid technologies.
Suppliers are now offering solutions to help operators
reach more customers and satisfy more needs. They
want to manage risks and implement these solutions.
Where does your company fit in?
What is the risk of your company not being
present at Cards Africa?
• Losing market share to your competitors
• Not meeting standards and being replaced
• Clients forgeting that you offer those specific
services because EMV is taking a while to be
implemented
• Becoming invisible
Why Cards Africa 2011?
• A chance for all players in the local regional market
to meet, network and discuss the key issues
• Learn from developed markets and counter-parts
• Develop key policy and ideas to move the industry
forward
• Direct access to key buyers and sellers within the
market all under one roof
• Find out how to tailor-make your solutions across
cards, prepaid and mobile commerce in Africa
Who should exhibit?
• SIM and chip
manufacturers
• Mobile payment
platform providers
• Mobile banking
solution providers
• Secure payment
providers
• Mobile payments
consultants
Who should exhibit?
• Card issuers and
manufacturers
• Payment systems
providers
• Smart card software
providers
• Cards hardware
(readers /printers /
writers / terminals
& card testing
equipment)
• Magnetic stripe
cards software
• Card security
providers
Africa
Cards
Africa
Cards
Who should exhibit?
• Prepaid card
manufacturers –
hardware
• Prepaid card
manufacturers –
software
• Loyalty and gift card
companies
• Card marketers
• Payment networks
and processing
Why should you exhibit at the show?
For sponsors or exhibitors:
• Increase your brand recognition at the Cards
Africa’s exhibition
• Get face to face interaction with the top buyers
for your services in Africa’s payments landscape
• Grow essential relationships with those wishing
to expand their portfolio and upgrade their
offerings
• Communicate your expertise across the prepaid,
mobile and card payments industries.
Gold sponsor
An innovative technology company that
provides payments solutions to banks,
retailers and utility companies. Reseller
of S1 (Postilion) transaction and switching platform, Ingenico
and VeriFone POS terminals and Stratus servers.
Platinum sponsor
Mediterranean Smart Cards Company
provides high quality, smart card
payment processing services to banks
across Africa. Present in 25 countries with 75 clients across
the region, MSCC offers the latest card payment services.
Exhibitors:
expo

Book before 31 December
to save 20%
Official Travel Partner
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company to work for
in SA!
We would like to take
care of all your travel
needs. Contact us and
you are guaranteed
superior service and
the best rates.
michelle.govender@
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+27 (0)11 778 1363
Something to say?
Talk to us
about speaker
opportunities
Call Mark
Anderson
+27 (0)11 516
4038
online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! 11
It would seem
mobile banking
will certainly be
remembered as
one of the key
determinants
that helped spur
the economic
development of
the continent.
Imara Africa
Securities Team
October 2010
“Therealeffect
ofMobileMoney
ismuchmore
thanrevenues.It
helpstoreduce
churn[customer
turnover].”
This is Africa
(online)
July 2010
Sponsors and delegates enjoying plenty of networking opportunities
1. Explore the potential of Africa’s payments
landscape
Hear successful case studies on how
payments companies are exploring potential
beyond debit and credit cards
2. Hear how banks and telcos are successfully
repositioning themselves
Discover innovative strategies and benchmark
your company against your competitors
3. Challenge your bottom line and unlock the
potential of your business
Find out what Africa’s post recession profit
centres are
4. Discover the most innovative uses of
prepaid and mobile payments
There’s far more to these exciting methods
than prepaid utilities and remittances- learn
how you can diversify your offering
5. Get ahead using the intelligence gathered
by payment industry leaders
Investigate current trends shaping Africa’s
payments landscape and explore the
underlying factors driving the sector
6. Get a sneak peek into the future
Learn from those who have gotten it right –
maximise your profits and minimise the risks
of electronic payments
7. Be part of extensive networking opportu-
nities with the best payments specialists
Meet all the right people during our networking
sessions at the Cards Africa exhibition
8. Learn the best practice for your cards and
payments portfolio
Learn from the industry leaders and innovators
who are taking the African payments sphere
by storm
8 Reasons why you should attend Cards Africa 2011
The venue
Sandton Convention Centre
South Africa’s largest and most prestigious
multi-purpose exhibition and convention centre.
The Sandton Convention Centre is strategically
situated in Maude Street, Sandton CBD.
Tel +27 11 779 0000
www.saconvention.co.za
Endorser:
Endorser of Cards Africa and Prepaid Cards:
Official Media Partners:
Media partners:

2820 Designed and produced by Terrapinn.
Please fax back to Melissa Jogannah on +27 (0)86 714 9220 or contact
her on +27 (0)11 516 4060 or email melissa.jogannah@terrapinn.co.za or
simply register online at https://secure.terrapinn.com/V5/rCalc.aspx?E=
3645&DS=1919&SalesRep=Jogannah
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2. Terrapinn does not provide refunds for cancellations.
Invoiced sums are payable in full, except in cases where
Terrapinn has been able to mitigate loss
3. Terrapinn will make available course documentation
to a delegate who is unable to attend and who has paid
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without notice including the substitution, alteration
or cancellation of speakers and / or topics and / or the
alteration of the dates of the event
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a result of a substitution, alternation, postponement or
cancellation of an event
6. A complimentary ticket cannot be used by a person
already registered for the event, no refund can be given
respectively and the registered person will be held
liable for the full payment
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BOOK NOW! online www.terrapinn.com/2011cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 690312
22 - 25 March 2011
Sandton Convention Centre, Johannesburg, South Africa
How to book your ticket
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invoice or bank transfer, payment must
be received in 14 days
Ofﬂine
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Register now
Package Before 31 Dec 10 Before 11 Feb 11 Before 4 Mar 11 After 4 Mar 11 How many Calculate your ticket
Platinum Pass (5 days) R24 150 + VAT R26 835 + VAT R28 175 + VAT R29 520 + VAT
*Please indicated below which = R27 531.00 = R30 591.90 = R32 119.50 = R33 652.80
workshop you will be attending (Save R6 121) (Save R3 060) (Save R1 506)
Gold Pass (Any 4 days) R20 885 + VAT R23 205 + VAT R24 365+ VAT R25 525 + VAT
*Please indicated below which days = R23 808.90 = R26 453.70 = R27 776.10 = R29 098.50
you will be attending (Save R5 289) (Save R2 644) (Save R1 322)
Silver Pass (Any 3 days) R16 625 + VAT R18 470 + VAT R19 395 + VAT R20 315 + VAT
*Please indicated below which days = R18 952.50 = R21 055.80 = R22 110.30 = R23 159.10
you will be attending (Save R4 206) (Save R2 103) (Save R1 048)
Standard Pass R11 185+ VAT R12 425 + VAT R13 045 + VAT R13 607 + VAT
2 Day Cards Africa Conference = R12 750.90 = R14 164.50 = R14 871.30 = R15 512.00
(Save R2 761) (Save R1 347) (Save R640)
* Prepaid Cards Day (22 March) Cards Africa 2010 (23-24 March)
Mobile Money Day (25 March) Workshop 1 (22 March) Workshop 2 (25 March)
TotalAll tickets include refreshments, lunch and full conference documentation. The fee does not
include hotel accommodation. Please photocopy for group bookings.
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