Expanding the value proposition of Mobile Money

Expanding the valueproposition of Mobile MoneyThe mobile moneyopportunitycontinues to increaseexponentiallyacross Asia as moreinnovators roll outgame-changing mobilepayment initiatives.Many of today’s social media users have skippedthe PC stage to access the internet on theirmobile devices. E-commerce revenues, includingm-commerce, are rising exponentially.Economic and technological disparities meanthat there is still a huge opportunity for mobilenetwork operators and banks to increaseaccess to financial services to millions of underbanked mobile phone users. Cash-in cash- outtransactions, airtime top-up and internationalremittances remain key drivers of growth acrosscore Asian marketplaces.As POS technologies are being deployed anddebated, questions of scale, sustainability andregulation still dominate the discourse for mobilemoney practitioners across the region.Mobile Money Asia is your best opportunity to findout how to expand your service offering in thiscomplex marketplace. Whether you are looking toroll out your first mobile money service, expandyour existing offering or tap into the potential ofAsia’s increasingly tech savvy consumer base,Mobile Money Asia is the definitive event for you.Attending will equip you with the knowledgeto propel your strategy into the next generationof mCommerce.Benefits of Attending3 Key Benefits for Your Business• Prepare your business for thenext generation of mCommerce.Explore strategy from supporting disciplinesand discover new avenues of driving revenuefrom the mobile channelNEW 2013Delegate 1-2-1 meetingsystem for all registrants.Book now and startnetworking!• Balance all players’ expectations to ensure the maximumdelivery on your deployment for all stakeholders• Understand where new opportunities are arising as themobile continues to transform the payments ecosystem3 Key Benefits for You• Discover new ideas and challenge the norm: Haveyour assumptions re-defined in a series of engaging,forward-thinking conference sessions• Meet the revolutionaries driving the next generation ofmobile payments: Not only can our panel of experiencedindustry experts offer you practical, hands on adviceto inform and develop your mobile strategy, they arepreparing for the future – and taking you with them• Join the discussion! Network with and learn from yourpeers in an interactive conference experience. This yearfeatures more panel discussion, question and answersessions and roundtables than ever before!Who you will meet at Mobile Money Asia 2013Job function Regional attendance Industry attendance• CEO, MDs,General Managers 21%• Mobile Moneyproject leaders 20%• Heads of NFCpayments 20%• Mobile Bankingexecutives 15%• Technical &Operations 8%• Marketing & BusinessDevelopment 11%• Finance &Compliance 5%• Asia 60%• Southern 35%• ROW 5%• MNOs 29%• Banks & MFIs 25%• Retailers 11%• 3rd party operators 3%• MTNs andExchange houses 7%• mWallet developers 12%• Hubs 2%• Investors 3%• Regulators 5%• NGOs 3%w. www.mobile-money-gateway.com/asiamm

I learned a lot at MMT from quality attendees and speakers who had relevantknowledge and on-the-field experience. We also fast-tracked our businessstrategy with meetings with the right vendors and prospective partnersMitchel Roda, Senior Product Manager, Marketing, duConference Day One – Tuesday 29 January 20139:00 Chairperson’s opening remarks13:30 LunchPANEL9:10 An examination of telco and bank-led business models:Developing a framework for success• Alignment of stakeholder objectives: Making the business case work• Can third party providers fill gaps in existing business models?• Creating an ‘economy of service’ which will focus on the consumerValue Proposition• Partnership strategies for achieving scale and sustainabilityJakirul Islam, Assistant Vice President & Head of Operations-MobileBanking, Dutch Bangla BankKaran Henrik Ponndurai, Chief Innovation, Online and Digital ServicesOfficer, CelcomNitin Chittal, Vice President & Head, Direct Banking GroupNaveed Ahmed Choudhury, Head of M-Commerce and VAS, CitycellPANEL14:30 Driving Consumer Adoption• Bringing mobile money to market in a fast paced environment• Differing “Go to Market” strategies: Success stories and leaningsPrashant Gokran, Chief Strategy and Planning Officer, IndosatPakiza Mohammed, Manager Enterprise Solutions & Mobile Payment, Zain15:00 Regulatory Frameworks: Best Practice and Strategy• Mobile and payments: Regulatory challenges• Data, consumers, trust and regulators: The tsunami compliance• Regulatory frameworks: Multiple countries, multiple demandsJB McCarthy, Development Director, Financial Services Innovation CentrePANELPANEL10:00 Supply chain disintermediation: Balancing all players’ expectations• Forecasting ROI: How much should you expect and how quickly• Examining the business case for banking the un and underbanked• Should mobile money be best viewed as augmenting not replacing cash?Fariq Cader, Senior General Manager and New Business Developmentfor M-commerce, Dialog TelecomSenior Representative, Citi Bank Malaysia10:30 Inform and develop your mobile money strategy using insightfrom consumer trend analysis• Developing per active user models to obtain accurate profiles ofcustomer usage• Grey market services: What can be learned from how these services buildrelationships and integrate themselves into the remittance ecosystem?• Responding to changes in consumer purchase behaviour in yourmobile strategyMichael Kuehner, CEO, Robi Axiata Limited11:15 Coffee and networking11:45 Social Mobile Wallets: Igniting a banking-led transformationfrom an emerging market’s perspective• The arrival of the socially connected payment solutions• The art of making scale and spreading innovations• Constructing ‘behaviour’ changing versus ‘need’ based payment solutionsQuasif Shahid, Head of Remote Banking & Business Development,MCB Bank Pakistan12:15 Social mobile payments: The next generation of e-commerce?• What is the market significance of the move to purchasing physicalgoods via social networks• Examining the effect of in-app payments and social group couponson the bottom line• What is the role of search engines and social networks in drivingpayment innovationQuasif Shahid, Head of Remote Banking & Business Development,MCB Bank PakistanFariq Cader, Senior General Manager and New Business Developmentfor M-commerce, Dialog Telecom12:45 Social media and the virtual goods economy• Examining the effect of virtual goods on the value proposition ofmobile money• How much will social networkers and gamers drive the future ofmobile money?• How will the development of social mobile payments affect traditionalrevenue models for mobile paymentsPANELPANEL15:30 Risk management: Balancing innovation with security,regulation and data protection• Developing holistic risk management strategies which protect theinterests of stakeholders and consumers• Paperless KYC: Simplifying the process or increasing the riskof fraud?• Standardised IT security: What is the role of each stakeholder increating a secure payment system?Joey V. Mendoza, Mobile Money & Branchless Banking Result Leader,USAIDSamee Zafar, Global Lead Partner: Advanced Payments, Edgar DunnSaiful Kazi Alam, General Regulatory Manager, Grameenphone16:00 Coffee and networking16:30 Developing credit ratings to extend financial services tothe underbanked• Examining the use case for mobile-usage data-mapping as a creditratings system• Scale up access to finance and achieve development goals throughmobile technology• Building a fuller credit history for underbanked consumers throughinnovative financial productsOmar Moeen Malik, EasyPaisa Business Manager, Telenor Pakistan17:00 Leveraging Mobile Technology for Microfinance: A CARD BankCase Study• Re-engineering operations for maximum efficiencies• Challenges and opportunities in implementing mobile technologiesfor microfinance• Building a sustainable future for rural and underbanked communitiesLeo Tobias, Technology Program Manager, Grameen Foundation17:30 Expanding distribution channels: What’s the scope for MobileMoney?• What channels exist beyond agent networks?• Building a holistic map of your consumers’ purchase behaviourin order to identify lucrative channels• What are the implications for mobile money in a commercialenvironment?David Kleiman, Consultant, Bank of South PacificPaolo Baltao, President of G-Xchange, Globe TelecomFariq Cader, Senior General Manager and New Business Developmentfor M-commerce, Dialog TelecomKaran Henrik Ponndurai, Chief Innovation, Online and Digital ServicesOfficer, CelcomRegistration now open. SAVE up to £500 when you book by Friday 23 November 2012 – Book your place at the Mobile Money event of the year.

Conference Day Two – Wednesday 30 January 201309:00 Chairperson’s opening remarks13:00 LunchPANELPANEL09:10 Moving beyond transaction fees: Driving revenue frommobile money• Leveraging existing mobile money services to drive VAS adoption• Assessing the opportunities for premium SMS as part of your mobilemoney strategy• What can be done to maximise revenue opportunities in moretraditional P2P, B2B, C2C business models• What are the marketing, rewards and loyalty opportunities that canbe leveraged using mobile payments channelsAshis K. Sharma, Head of Payment Solutions, Siddhartha Bank LimitedPaolo Baltao, President of G-Xchange, Globe TelecomOmar Moeen Malik, EasyPaisa Business Manager, Telenor Pakistan10:00 Mobile payments and POS technology: Examining thedevelopments driving mobile trends• Evaluating recent POS deployments and assessing their effectivenessand uptake• How will POS technologies develop and how will this developmentaffect different verticals?• Understanding how different POS technologies will impact mobilemoney adoptionNaveed Ahmed Choudhury, Head of M-Commerce and VAS, Citycell10:30 Introducing the next generation of mobile credit and prepaidtransit card services in Korea• Innovations between NFC payments and transit technologies• Implications for the widespread adoption of mobile wallets acrossdifferent verticals• Driving adoption of new services across the entire customer baseEunseok Kim, Deputy Director, Korea TelecomPANEL14:30 Building an interoperable cross-network serviceswhich ensures maximum reach and sustainabilityof your agent network• Balancing competition concerns against market incentives tomanage your investment when creating agent networks• Developing a framework to ensure that agent networks meet allplayers’ standards of compliance• Interoperability as a tool for overcoming stagnant growth andentering new marketplacesAshish Desai, Head of Retail Banking, First Rand Bank15:00 Selecting, recruiting and incentivising a network of mobilemoney agents• Leveraging airtime distribution channels, engaging a field supportagency, or adopting aggregator models: What should your agentnetwork look like?• Homogeneity vs. heterogeneity: Why key market players are choosingto diverge from the mPesa model• Advantages and disadvantages of in-house and outsourced agentrecruitment strategies• Building consumer trust through agent selection and branding• Collaborating with donor funded development projects to leveragetheir status as trusted intermediariesJoey V. Mendoza, Mobile Money & Branchless Banking Result Leader,USAIDJakirul Islam, Assistant Vice President & Head of Operations-MobileBanking, Dutch Bangla BankNitin Chittal, Vice President & Head, Direct Banking GroupPrashant Gokran, Chief Strategy and Planning Officer, Indosat15:30 Coffee and networkingPANEL11:00 Coffee and networking11:30 What is the business case for NFC?• Re-creating the merchant acceptance network vs. POS rollout• What lessons can emerging marketplaces take from the NFC giantsof the developed world?• Understanding where and how NFC should be deployed in thepayments network to give greatest returnTricia Dizon, Head of Smart Financial Services, Smart12:00 Cloud-based wallets: Examining different approaches andimplications for adoption• In which markets have cloud based wallets seen the highest uptakerate and why• Comparing cloud based wallets to device/sim based wallets• Examining the business case for the delivery of targetedadvertisements in-app12:30 The Future of Contactless• Which technologies will ‘win’ and what factors will determinetheir success?• Which is the right solution for increasing the adoption ofmobile payments?• What is the right ‘go-to-marke’ strategy for contactlesspayment initiatives?Tricia Dizon, Head of Smart Financial Services, SmartQuasif Shahid, Head of Remote Banking & Business Development,MCB Bank PakistanEunseok Kim, Deputy Director, Korea TelecomPANEL16:00 Efficiently managing agent networks• Taking the business case for the agent into account when discussingagent sharing strategies• Agent incentivisation: Best practice strategies to drive agent adoption• Agent training strategies and management: Whoassumes responsibility?• Determining what percentage of total revenue should be allocated toyour agentsDavid Kleiman, Consultant, Bank of South PacificAshish Desai, Head of Retail Banking, First Rand BankMichael Kuehner, CEO, Robi Axiata Limited16:30 Utilising advertising models to monetise outside of yoursubscriber base• Examining the move of mCommerce from the point of sale to thepoint of decision• Using predictive and propensity models to deliver a range of valueadded services• Maximising the commercial/revenue potential of location basedmobile marketing servicest. +44 (0) 20 7384 7993

MOBILEMONEYACADEMYMake the most of your conference experience by attendingour pre- and post-conference workshops. Receive handson,practical advice from key players in the mobile moneymarketplace; understand the movements of the market and how best to adaptyour strategy to address the pressing regional concerns.PRE-CONFERENCE WORKSHOP• Efficient strategies for recruiting, managing andincentivising your agent networks• Overcoming the barriers surrounding regulatoryframeworks – no matter the marketplace• Business models and best practice strategies forrolling out your mobile money service• Driving consumer adoption: Building frameworksfor successPOST-CONFERENCE WORKSHOP• mCommerce: Preparing your strategy for the nextgeneration of payments• Social mobile payments: Social wallets, in-apppayments, gaming and virtual goods: How tomonetise them efficiently• NFC: Maximising applications in retail, transportand beyond!• Non-traditional revenue streams in mobile money:Monetising outside of transaction feesSponsors and Exhibitors:Sponsorship OpportunitiesParticipate in Mobile Money ASIA Conference &Expo 2013 to put more qualified leads into yoursales pipeline.Talk to us TODAY about securing your place atour forthcoming events. Contact Manoj Nardani,Commercial Director on +44 (0) 20 7384 7949 ormanoj.nardani@clarionevents.comAssociations and Media Partners:w. www.mobile-money-gateway.com/asiamm t. +44 (0) 20 7384 7993

Group discountRegister twodelegates and get thethird half price.Register by Friday 23rd November 2012 and SAVE up to £500 – Book now!T: +44(0) 20 7384 7993 E: mmtapac@clarionevents.com W: www.mobile-money-gateway.com/asiammRegular visitors to the Mobile Money Asia eventAccentureAccion InternationalAfghan Wireless TSIAlalay Sa Kaunlaran ASKI IncAlliance for FinancialInclusionAmanah Ikhtiar MalaysiaAmarante ConsultingAmdocs Billing PteAMK Co LtdANZ Banking GroupAsian Development BankAvisotech IncAvorniga Technologies LtdBakrie TelecomBanco De OroBangko KabayanBangko Sentral Ng PilipinasBanglalinkBank AndaraBank Negara MalaysiaBank Of CeylonBank Of IndonesiaBank of South PacificBank of South Pacific LimitedBank of the Philippine IslandsBarclayCardBharti AirtelBICS SABloomberg NewsBusiness BreakthroughUniversityBusinesswise SaCantillan BankCarnegie Mellon UniversityCatolica Lisbon School OfBusiness And EconomicsCelcom Malaysia BerhadCellular OperatorsAssociation of IndiaCGAPCitiCitibankCitycellCommercial Bank of CeylonPLCCP All Public Company LtdDeutsche BankDeutsche GesellschaftFur InternationaleZusammenarbeit GmbhDhasatraDialog AxiataDialog Telekom PlcDiGi CommunicationsDigicel Pacific LtdDomain ConsultingduDutch Bangla BankEastNets RemittanceCompanyEdgar Dunn and CompanyEko India Financial ServicesPrivate LtdeServ GlobaleServ Global IndonesiaEtisalat AfghanistanExiconExperian Singapore Pte LtdExperian MicroanalyticsFairchild McMorranFinancial Inclusion Network& Operations (FINO)First Rand BankFirstMutual MicroFinanceBankFISFlexpacificGFG GroupGlobe Telecom IncGM BankGrameen FoundationGrameenphone LimitedGreen BankGTZ Bank IndonesiaG-XchangeICICI Bank LtdIFC - World BankIndosat IndonesiaInfocomm DevelopmentAuthority of SingaporeInsaInterflex Co, LtdKorea TelecomKVBKYLa Poste SaLoose WireM Servise JSCMABS Program PhilippinesMargdarshakMasterCard WorldwideMaxis CommunicationsBerhadMaybankMCB BankMindanao EconomicDevelopment CouncilMobiFinanceMobifinance NBFIMobile Financial.ComMobile Payment Forum ofIndia (MPFI)Mobile Union LtdMobilink Telecom GroupNational Bank of EgyptNationwide Microbank LtdNepal TelecomNokiaNTT DocomoNusantara Artha MobileOceanic CommunicationsLtd GroupOrange LabsPayment ExchangePetra Financial LtdPhilippine Rural BankingCorpPlanet GuaranteePost PNGPT Indosat TbkPT Smartfren Telecom TbkPT. Mobile Coin AsiaPunjab National BankQspan Technologies LtdReserve Bank Of FijiReserve Bank of IndiaRobi AxiataRural Bankers Association OfThe PhilippinesRural Bankers Research &Development Foundation IncSafaricomSalaam Africa BankSaraswat BankSeidco Communications LlcSelcom WirelessShoreBank International LtdSicap Asia Pacific Pte. Ltd.SiemensSingtelSky BroadbandSmart Communications IncSmart Telecom PTSoftbank JapanSoftbank Payment ServiceSpiceDigitalStandard Chartered BankStarHubState Bank of PakistanState Bank Of VietnamSTCSwaadhaar Finserve PTY LTDSwiftTatatelTelecomWatchTelekom PNG LtdTelenorTelesomTelstraTelstra Entrprise andGovernmentTelupay Philippines IncTenGer Solutions LLCTiaxa LtdTimes of MoneyT-mobile InternationalTootPay Sdn Bhd.Trinity Finance - SFdP GroupTulay sa Pag-Unlad, Inc.U Generation MobileSolutions Pvt LtdUkashUnion Mobile Pay LtdUnionbankUnionbank of the PhilippinesUnited Bank LtdUnited States Agency forInternational DevelopmentUSAIDVisaVisesh Infotecnics ltd.VIVA BahrainVodafone EssarVodafone Fiji LtdWells FargoWestern Telecom LtdWestern UnionWing CambodiaWorld BankXAC BankXoom CorpXpressmoneyYes BankZainJoin over 6000 Mobile Money pioneers in our FREE LinkedIn Mobile Money Groupwww.linkedin.com/e/gis/1137767