Central and Eastern European Card Markets - SIA

Enhance your knowledge of developing card marketsCentral and EasternEuropean Card MarketsMonday 16th & Tuesday 17th March 2009, Radisson SAS Béke Hotel, BudapestWorkshop B Sponsored bySponsored bySupported byListen to industry leaders and card market experts such as:• Josef Langer, Head of NFC Research Lab, Hagenberg University, Austria• Erwin Petsch, Senior Project Manager, Shared Service Centre and Country Co-ordinator,Raiffeisen International Bank• Dr. Julia Glidden, Non Executive Director, The European Centre of Excellence ForAutomatic Identification and Data Capture• Frantisek Jungr, Cards Department Manager, UniCredit Group• Mikko Haikonen, Senior Manager, Nokia Devices• Jörg Lunkenheimer, Economist and Coordinator Management Divisions, Rhein-Main-Verkehrsverbund, Frankfurt• Nur Ölçer, Senior Vice President, Strategic Business Development, Garanti Bank, Turkey• Lazlo Krisan, CEO, KA-VOSZ Zrt.• Maarten Bron, Associate, CollisBenefits of attending:• DISCOVER new developments in the card markets within the CEE region• HEAR key experts talk on the progress of SEPA• LEARN the implications of new technologies entering the payments market• DISCUSS with industry leaders the hottest topics in the card marketsPLUS TWO POST-CONFERENCE WORKSHOPSWednesday 18th March 2009, BudapestWorkshop ANear Field CommunicationTechnology WorkshopWednesday 18th March 2009, BudapestIn association with:Workshop BMobile and ContactlessPaymentFrom EMV to NFCIn association with:www.smi-online.co.uk/09ceecards.aspRegister online and receive full information on all of SMi’s conferencesAlternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711

Register online at www.smi-online.co.uk/09ceecards.aspAlternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711GROUP DISCOUNTS AVAILABLEDay One Monday 16 March 20098.30 Registration & Coffee9.00 Chairman's Opening RemarksErwin Petsch, Senior Card Consultant, Marathon CardConsulting, formerly Senior Project Manager, RaiffeisenInternational Bank9.10 EMV - THE PLATFORM FOR GLOBAL PAYMENTINTEROPERABILITY• Introduction of EMVCo• Past Accomplishments• Managing Global Interoperability• Overview of Common InitiativesChristian Delporte, EMVCo Board of Managers, EMVCo9.50 DEPLOYING YOUR QUALITY SEPA PROJECT• EMV, the pre-requisite for SEPA• Similarities with the EMV migration• Increasing demand for complex file transfer testing• Automated testing explained• Certification and self-certificationPeter Theunis, Director Large Accounts, Integri10.30 Morning Coffee11.00 SEPA – CHALLENGES AND SOLUTIONS FOR THE CARDSBUSINESS IN EUROPE• SEPA for cards – is it necessary?• Where are the challenges on the way for a SEPA for cards• The needs of banks• Euro Alliance of Payment Schemes – The SEPA solution• Is there a need for a new SEPA cards processinginfrastructure?Oliver Hommel, Chairman, Euro Alliance of Payment Schemes11.40 THE EUROSYSTEM ON SEPA FOR CARDS• What is the Eurosystem?• The banking perspective• Where SEPA will benefit• What are the problems?• The future of SEPAMichael Van Doeveren, Senior Business Analyst,De Nederlandsche Bank12.20 Networking Lunch1.50 Contactless Payment: Convenience Pays• Customer case study (Turkey)• Contactless payment on top of EMV roll-out• Convergence with transit• Practical implementation and business modelsChristoph Siegelin, Business Development Director, Gemalto2.30 INFORMATION, BOOKING AND PAYMENT SERVICES BY CARDSAND MOBILE DEVICESCustomer orientation by integrated services• Smart card vs. mobile device: one philosophy and differentpossibilities• Near Field Communication (NFC): an up and comingtechnology’and new chances• Multiple applications and partnering - a key factor of success• NFC - what ever will be - an outlookJörg Lunkenheimer, Economist and Coordinator ManagementDivisions, Rhein-Main-Verkehrsverbund, Frankfurt3.10 Independent Payment Service Providers or In-House Solutions?• Recent European integreation trends in the bankcardindustry• CEE payment service provider landscape• European-wide in-house solutions• Separation of banking and payment services• SEPA and integration• SIA-SSB and GBC as an independent payment service providerFabrizio Canedoli, CEO GBC, Corporate Strategy &Development Director, SIA-SSB3.50 Afternoon Tea4.20 WHERE IS THE CARD BUSINESS GOING IN THE CEE?• Does revolving credit skyrocket?• CEE- The marketplace for prepaid products?• What happens with Acquiring• ATMs – still the main communication hub in communicatingwith the client?Erwin Petsch, Senior Card Consultant, Marathon CardConsulting, formerly Senior Project Manager, RaiffeisenInternational Bank5.00 OPENCARD: DEPLOYMENT OF A MULTI-APPLICATIONMUNICIPALITY SMART CARD• Concept of Opencard – Prague municipality multi-applicationsmart card• Deployment of Opencard in public transport• Contactless payments – approaches• Technology edge versus Service model – lessons learnedPetr Stranksy, Senior Associate, HAGUESS5.40 Chairman’s Closing Remarks and Close of Day One2008 Central and Eastern European Card Markets delegate breakdown:Sector RolesCountry of OriginSupported by

Register online at www.smi-online.co.uk/09ceecards.aspAlternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711GROUP DISCOUNTS AVAILABLEDay Two Tuesday 17th March 20098.30 Re-registration & Coffee9.00 Chairman's Opening RemarksFrantišek Jungr, Cards Department Manager, Segment andProduct Division, Unicredit9.10 NFC USED TODAY• Analysis of past NFC Trials• NFC Voucher Systems• NFC Mobile Data Akquisition• NFC Event Management• Trends in NFC ResearchJosef Langer, Head of NFC Research Lab, Hagenberg University9.50 NFC AND MOBILE PAYMENTS• New developments in NFC• Using NFC technology in conjunction with new mobile phoneapplications• Problems posed and overcome in m-payments and NFC• The furture of m-paymentsMaarten Bron, Associate, Collis1.50 LOYALTY SCHEMES• The presence of bonus cards in the life of daily consumers• Using bonus schemes to increase customer purchase power• Dealing with a saturated market – brand licensing• Exporting the bonus card abroadNur Ölçer, Senior Vice President, Strategic BusinessDevelopment, Garanti Bank2.30 TRANSACTION FRAUD DETECTION AND PREVENTION ASINTEGRATED PROCESSES• The business context• The processes involved• The key issues of fraud detection and fraud prevention• How to move from a defensive to an offensive approachRoberto Longhi, Card Solutions Director, CRIF3.10 BANKING AND CO-BRANDING BUSINESS• Pros/cons of co-branding in CEE – typical mistakes• When to co-brand and when to sell own bank credit card• Co-branding as a tool for cross-selling and alternative“branch” network• Loyalty program as a retention tool for the partner andtransaction toll for the bank• Is the time ready for cross-border co-branding and loyalty?Frantisek Jungr, Cards Department Manager, Segment andProduct Management Division, UniCredit Group10.20 NOKIA NEAR FIELD COMMUNICATIONS EXPERIENCE• NFC use cases• NFC payment• Payment trial experiences• The future for NFC and mobile technologyMikko Haikonen, Senior Manager, Nokia Devices11.00 Morning coffee3.50 Afternoon Tea4.30 TARGETING SMALL AND MEDIUM ENTERPRISES• Problems of SMEs• What is Szechenyi card?• The basic conditions• The funding structure – who is involved, and where?• The success of Szechenyi card schemeLazlo Krisan, CEO, KA-VOSZ Zrt.11.40 CASAGRAS AND THE INTERNET OF THINGS: DEVELOPING ASUCCESSFUL PAN-EUROPEAN ECO-SYSTEM• The CASAGRAS project and its role in Europe• What is the Internet Of Things?• The future for CASAGRASDr. Julia Glidden, Non Executive Director, The European Centreof Excellence For Automatic Identification and Data Capture5.10 ROLE OF BUREAUS FOR CREDIT CARDS BUSINESS IN THE CEE• Current status and developments of CEE region creditbureaus• Recent trends in credit reporting industry• How financial institutions use credit bureau data for Creditcards business• Effective credit risk and credit limit managementMarlena Hurley, Business Development Consultant, CzechCredit Bureau12.20 Networking Lunch5.50 Chairman's Closing Remarks and Close of ConferenceSPONSORSHIP AND EXHIBITION OPPORTUNITIESSMi offer sponsorship, exhibition, advertising and branding packages, uniquely tailored to complement your company'smarketing strategy. Prime networking opportunities exist to entertain, enhance and expand your client base within the contextof an independent discussion specific to your industry. Should you wish to join the increasing number of companies benefitingfrom sponsoring our conferences please call: Alia Malick, SMi Sponsorship on +44 (0)20 7827 6168 oremail amalick@smi-online.co.ukWant to know how to get involved? Interested in promoting your financial services to this market?Contact Nikki Poole, SMi Marketing onTel: +44 (0)20 7827 6058 or Email: npoole@smi-online.co.uk

HALF DAY POST CONFERENCE INTERACTIVE WORKSHOP ANear Field Communication TechnologyWednesday 18th March 2009, BudapestIn association with:Overview:Near Field Communication is becoming increasingly important for contactless andmobile payment technologies. Attending this workshop will enable you tounderstand the applications and processes involved with NFC technologies andhow to use them to best effect for new payment strategies.You will learn the details of NFC technology from an expert with many years'experience in a field of research that has yet to be fully implemented by majorpan-European infrastrucutres. By attending, you will gain an insight into thefuture of NFC and how it will benefit your company in the coming years; byunderstanding the technology, you will have a greater grasp on the implicationsit may have for progressing your business opportunities in the payment markets.The schedule for the day will be as follows:8.30 Registration and Coffee9.00 Session I: Technology, Integration, Tags9.35 Session II: Ecosystem, OTA System, Players10.10 Morning Coffee10.45 Session III: Scenarios & Demos11.20 Session IV: Security and OutlookAbout your speakerJosef Langer has worked more than10 years in the smart card andterminal hardware area. He studiedelectrical engineering at the TUVienna and RWTH Aachen andreceived his PhD in ComputerScience from the Johannes KeplerUniversity in Linz. Josef also holds aMasters degree in Philosophy andHistory from the University of Vienna.Josef has held the position of professor formicroprocessor engineering at the University OfApplied Sciences Of Upper Austria since January2003. In 2007 he was appointed as Chief TechnologyOfficer at NEXPERTS GmbH, a leading NFC solutionsprovider, based in Hagenberg, Austria.Josef is Head of the NFC Research Lab and Head ofthe Research Group Embedded Systems at hisuniversity. He is the author of morethan 30 publications. His current research interestsare Near Field Communication and embedded realtime systems.12.00 Close of WorkshopHALF DAY POST CONFERENCE INTERACTIVE WORKSHOP BMobile and Contactless PaymentFrom EMV to NFCWednesday 18th March 2009, BudapestIn association with:Overview:Collis are proud to host their second workshop on Mobile and Contactlesspayment, following on from a successfully received class at SMi’s 2009 Nordic CardMarkets conference in January. This workshop will cover the latest developmentsfor mobile and contactless payment, giving you a hands-on and an up close lookat how the newest technologies are being implemented. Learn from an expert inthe field and further the knowledge you take from the two day Contactless Cardsand Payments conference to discover the effects these developments are havingon the payments industry.The schedule for the day will be as follows:12.45 Registration and Coffee1.00 Mobile Payment, Contactless Payment and NFC explained1.45 The Different Technologies Involved2.30 Afternoon Tea3.00 The Latest Developments And Key Players3.45 A European NFC Pilot4.30 The Do’s and Don’ts of NFC5.00 Discussion and Questions: Review of the Session5.30 Close of WorkshopAbout your speakerMaarten BronVice President / Manager PaymentCompetence CentreMaarten manages the Payment CompetenceCentre and founded the Collis TrainingAcademy in 2002. A highly experiencedpayments professional, Maarten has beenleading turn-key Payment & EMV consultancy projectsworldwide. Maarten’s extensive qualifications and experienceinclude a double degree majoring in Bachelor of ComputerEngineering and Business Administration.About CollisCollis is a market leader in the design and testing of smart cardbased electronic transaction systems. Collis is a group ofcompetence centers the combined knowledge, expertise andexperience of which makes Collis strong. This allows us to offerprofessional services and to develop state-of-the art productsto the global market. Collis bridges the gap between businessand technology. Valuing customer satisfaction and quality ofproducts and services delivered above all. Established in 1997,Collis enjoys official recognition of credit card paymentassociations (Visa, MasterCard, JCB, and others as well asEMVCo) and is an ISO 9001:2000 certified company. This statusconfirms that Collis customers can rely on continuous highquality of standards and services. It also proves that Collis hasa strong customer focus and aims at maximum customersatisfaction in all activities. For more information visitwww.collis.nl

Register online at www.smi-online.co.uk/09ceecards.aspAlternatively fax your registration to +44 (0) 870 9090 712 or call +44 (0) 870 9090 711GROUP DISCOUNTS AVAILABLEWorkshop B Sponsored bySponsored byCollis is a market leader in the design and testing of smart card based electronic transaction systems. Collis is agroup of competence centers the combined knowledge, expertise and experience of which makes Collis strong.This allows us to offer professional services and to develop state-of-the art products to the global market. Collisbridges the gap between business and technology. Valuing customer satisfaction and quality of products andservices delivered above all. Collis has delivered significant contributions to the EMV, e-ID and Mobile marketsfor over a decade. Collis is an official Visa Chip Migration Partner, member of the MasterCard Vendor Programand GlobalPlatform. Collis testing tools and consulting services are used by financial institutions (banks),government (research) departments and by Telco’s as well as card and terminal vendors. Collis is an official VisaChip Migration Partner and a member of the MasterCard Vendor Program as well as GlobalPlatform. Establishedin 1997, Collis enjoys official recognition of credit card payment associations (Visa, MasterCard, JCB, and othersas well as EMVCo) and is an ISO 9001:2000 certified company. This status confirms that Collis customers can relyon continuous high quality of standards and services. It also proves that Collis has a strong customer focus andaims at maximum customer satisfaction in all activities. For more information visit www.collis.nlBarnes Smartcard Test Tools and Consultancy. The global choice for ISO 7816 & ISO 14443 Contactless testingincluding for Mobile and other devices; EMV Personalisation Validation & EMV Level 1 Test Tools; SPYcommunications monitor for ISO 7816, GSM/3G & EMV; Barnes offers the quickest and most thorough Test Toolsavailable.Integri specialises in test solutions for payment, smart card and mobile applications. With more than 15 years ofexpertise, we make sure that cards, hosts, terminals or mobile applications are reliable and of the highest quality.Integri offers both off-the-shelf test tools and tailor-made test suites matching specific customer requirements.All solutions are easy-to-use and flexible as they are based on the INQ® Open Test Framework, a developmentplatform allowing to program simulators, write test scripts and run tests. Integri employs 45 staff, has +200customers and sold +2000 licenses in 35 countries since its inception in 1992. Clients are mainly financialinstitutions, smartcard manufacturers, terminal manufacturers, ticketing operators, mobile operators and systemintegrators active in e- or m-business. Integri is a wholly owned, autonomous business unit of Clear2Pay.GBC - SIA-SSB Group A wholly owned subsidiary of SIA-SSB, GIRO Bankkàrtya ZRt (GBC) is based in Budapest andprovides financial institutions, payment cards issuers and acquirers with management services for ATM and POSterminals, transaction switching, fraud control and other services for payment systems. Leveraging on itsexpertise as Competence Center for terminal handling, GBC extends its portfolio with new POS-related servicesthat include software development, terminal installation, service and maintenance, merchant management, a24hr help desk and other value-added services. GBC's comprehensive solution will be provided to current andprospective clients in Hungary and will be extended, in the near future, also to other Central and EasternEuropean countries, among which Romania, Croatia, Slovenia, Slovakia and Czech Republic. Through GBC thecapital market, the payments and the network services of SIA-SSB Group are also available. Visit www.gbc.huand www.siassb.euGemalto is the leader in digital security with 2007 annual revenues of over €1.6 billion, more than 85 offices in40 countries and about 10,000 employees including 1,300 R&D engineers. In a world where the digital revolutionis increasingly transforming our lives, Gemalto’s solutions are designed to make personal digital interactionsmore convenient, secure and enjoyable. Gemalto provides end-to-end digital security solutions, from thedevelopment of software applications through design and production of secure personal devices. More than abillion people worldwide use the company's products and services for financial services, e-government, identitymanagement, multimedia content, digital rights management, telecommunications, IT security, mass transit andmany other applications. Gemalto was formed in June 2006 by the combination of Axalto and Gemplus. For moreinformation please visit www.gemalto.comSwiss Post Solutions GmbH – Division Cards is an international full-service specialist for the production of highqualityPrepaid Cards, Telephone Cards, Chip Cards and Multi PINs made of various materials. The company hashighly modern technical equipment at its disposal and guarantees quick, reliable and flexible order processing.The range of products includes also Credit Cards and Debit Cards with VISA and MASTERCARD certification, aswell as Voucher Cards and Customer Cards. Swiss Post Solutions GmbH – Division Cards is a wholly ownedsubsidiary of Swiss Post.SMI FINANCE FORWARD SCHEDULERetail and Transport Cards, London 13/14 May 2009Discover the breakthrough technologies from leading transport operators and retail merchants. Find out howcards are being merged into mainstream payments and use this forum to discuss with leading experts the futureof transport and retail cards.Branch Banking, London 1/2 June 2009Listen to case studies from banks across the globe on their innovations and strategies to adapt to the changingmarket. Speakers from FNB in South Africa, Ixe Banco in Mexico, Caja Navarra in Portugal, permanent tsb inIreland and Nationwide in the UK will demonstrate the global necessity to redesign your approach to branchstrategy.Contactless Cards and Payments, London 22/23 June 2009Now in its 7th consecutive year, this event will take a look at the latest developments in contactless, NFC and RFIDtechnologies. The focus will be on the impact of risk and regulation – the perceived risks and the perspective ofregulatory bodies will be represented by an expert speaker line-up.www.smi-online.co.uk/finance.asp

CENTRAL AND EASTERN EUROPEAN CARD MARKETSConference: Monday 16th & Tuesday 17th March 2009, Radisson SAS Béke Hotel, Budapest4 WAYS TO REGISTERWorkshops: Wednesday 18th March 2009, Budapestwww.smi-online.co.uk/09ceecards.aspFAX your booking form to +44 (0) 870 9090 712 POST your booking form to: Events Team, SMi Group Ltd, GreatGuildford Business Square, 30 Great Guildford Street London, SE1 0HS, UKPHONE on +44 (0) 870 9090 711CONFERENCE PRICESLocal rate available – for further information call+44 (0) 207 827 6000I would like to attend: (Please tick as appropriate)CONFERENCE FEEUnique Reference NumberOur ReferenceLVV22DELEGATE DETAILSPlease complete fully and clearly in capital letters. Please photocopy for additional delegates.Title:Forename:Surname:Job Title:Department/Division:Company/Organisation:Email:Address:□ Conference only £1299.00□ Conference & 1 Workshop (please specify) □ A □ B £1798.00□ Conference & 2 Workshops £2297.00□ 1 Workshop only (please specify) □ A □ B £499.00□ 2 Workshops only£998.00PROMOTIONAL LITERATURE DISTRIBUTION□ Distribution of your company’s promotionalliterature to all conference attendees £999.00 + VAT £1173.83GROUP DISCOUNTS AVAILABLEThe Conference fee includes refreshments, lunch, conference papers andCD ROM containing all of the presentations.Town/City:Post/Zip Code:Direct Tel:Mobile:Switchboard:Signature:Country:Direct Fax:I agree to be bound by SMi's Terms and Conditions of Booking.ACCOUNTS DEPTTitle:Surname:Email:Forename:Address (if different from above):Town/City:Post/Zip Code:Direct Tel:Country:Direct Fax:Date:Terms and Conditions of BookingPayment: If payment is not made at the time of booking, then an invoice will be issued and must bepaid immediately and prior to the start of the event. If payment has not been received then credit carddetails will be requested before entry to the event. CD ROMs will not be despatched until paymenthas been received.Substitutions/Name Changes: If you are unable to attend you may nominate, in writing, anotherdelegate to take your place at any time prior to the start of the event. Two or more delegates maynot ‘share’ a place at an event. Please make separate bookings for each delegate.Cancellation: If you wish to cancel your attendance at a Conference and/or Briefing and you areunable to send a substitute, then we will refund/credit 50% of the due fee less a £50 administrationcharge, providing that cancellation is made in writing and received at least 28 days prior to the startof the event. Regretfully cancellation after this time cannot be accepted. We will however provide theConference documentation on CD ROM to any delegate who has paid but is unable to attend for anyreason. Due to the interactive nature of the Briefings we are not normally able to providedocumentation in these circumstances. We cannot accept cancellations of orders placed forDocumentation or CD ROM as these are reproduced specifically to order. If we have to cancel the eventfor any reason, then we will make a full refund immediately, but disclaim any further liability.Alterations: It may become necessary for us to make alterations to the content, speakers, timing,venue or date of the event compared to the advertised programme.Data Protection: The SMi Group gathers personal data in accordance with the UK Data Protection Act1998 and we may use this to contact you by telephone, fax, post or email to tell you about otherproducts and services. Unless you tick here □ we may also share your data with third parties offeringcomplementary products or services. If you have any queries or want to update any of the data thatwe hold then please contact our Database Manager databasemanager@smi-online.co.uk or visit ourwebsite www.smi-online.co.uk/updates quoting the URN as detailed above your address on theattached letter.CD ROMS/DOCUMENTATIONI cannot attend but would like to purchase the following CD ROMs/paper copydocumentation: (Shipped 10-14 days after the event) PriceTotal□ The Conference Presentations on CD ROM £499.00 + VAT £586.33□ The Conference Presentations - paper copy £499.00 - £499.00(or only £300 if ordered with a CD ROM)PAYMENTPayment must be made to SMi Group Ltd, and received before the event, by one of thefollowing methods quoting reference V22 and the delegate’s name. Bookings within7 days of event requires a credit card as guarantee. Please indicate method of payment:□ UK BACS Sort Code 40-06-21, Account 91618695□ Wire Transfer HSBC Bank plc, 28 Borough High Street, London, SE1 1YBSwift (BIC): MIDLGB22, Account 91618695IBAN GB09MIDL40062191618695□ Cheque We can only accept Sterling cheques drawn on a UK bank.□ Credit Card □ Visa □ MasterCard □ American ExpressAll credit card payments will be subject to standard credit card charges.Card No: □□□□ □□□□ □□□□ □□□□Valid From □□/□□ Expiry Date □□/□□Cardholder’s Name:Signature:I agree to be bound by SMi's Terms and Conditions of Booking.Card Billing Address (If different from above):Date:VENUE Radisson SAS Béke Hotel, Terez Korut, 43 H-1067, BudapestBook your accommodation by calling the hotel directly on tel 0036 1 889 3900,or fax to 0036 1 889 3915 quoting ‘Central and Eastern European CardMarkets’ to guarantee you benefit from the discounted delegate rate.VATVAT is charged on CD ROM’s and Literature Distribution for all UK customers and forthose EU customers not supplying a registration number for their own country here:_______________________If you have any further queries please call the Events Team on tel +44 (0) 870 9090 711 or you can email them at events@smi-online.co.uk