PCM Vol.1 - Issue 6

Brand New! Design with many exciting stories about the payment industry| + Expert Interviews
PCM
Vol 1. Issue 6
Nov. 2015
YOUR GATEWAY TO THE WORLD OF PAYMENTS
The power of
Technology

Welcome to the 6th issue!
You are reading the sixth issue of the Payments & Cards Magazine. In order to
keep our clients, associates, subscribers and all payments professionals in the
loop, we have decided to create a monthly magazine, now already in it’s sixth
issue.
The sixth issue features events in the payments industry, thought leaders articles,
top jobs and much more! The magazine is currently expanding its scope and will
cover topics such as, Q&A, product/ service reviews, statistics & facts, educational
articles and other great content in the following editions!
The magazine is also a good way for you to keep in touch with what is happening
in the Payments world as well as like minded professionals. If you haven’t checked
in with us lately, we think you will be surprised and excited about all the wonderful
things happening in the industry.We hope to hear from you soon, and we welcome
your feedback!
Throughout each issue, there will be descriptions and lists of events within the
payments industry happening this month, as well as announcements and latest
developments and partnerships. If you are a thought leader and would like to be
featured or present your thoughts, please get in touch.
On the other hand, as a business, the magazine offers you various advertising
possibilities. Want to learn more? Just contact us!
If you have any questions, suggestions, or concerns, please address them to the
editors:
Amir Abdin - amir@paymentsandcardsnetwork.com
Duc Dang - duc@paymentsandcardsnetwork.com
The Payments & Cards Network team wishes you good reading!
002

Contents
thoughtleaders
spotlight
11
3
6 9 14
STORIES
3
6
8
9
Thought Leaders: Mobile Payments in Sub-Sahara
Jide Akindele continues the series about the development of the
mobile payments industry in a promising part of Africa.
Thought Leaders: the online payment market
Peter Lyster talks about the latest development in the online
payment market and gives an insight into PayPal’s new strategy.
Thought Leaders: Fintech vs. Banking
Son Nguyen discusses the emerging importance of Fintech
companies in the payment industry.
Expert Interview: Welcome to the world of PAPISPs
Francesc Altisent shines a light on the new Payment Service
Directive 2 (PSD2) and its impact on the payments sector.
12
14
15
Spotlight: Sign2Pay
We signed up and talked to one of the most
pomising and innovative start-up companies.
Hot Jobs
Looking for a new role and exciting challenges?
Check out our latest job opportunities!
Events
Here we showcase the most exciting upcoming
events in the payment industry.
003

By Jide Akindele
November 2, 2015
Thought Leaders Corner
global
business
This is the second edition of Jide Akindele’s series
on the payment market in Sub-Sahara Africa
© SES S.A
Mobile Payments
in Sub-Sahara Africa
The Sub-Saharan mobile payment ecosystem is booming,
with over 64 million mobile wallets (World Bank report).
The majority of mobile payments are micro, used for
local services, however, a revolution is occurring on the
international scene.
Mobile payments for services such as digital content are now
being adopted on some international websites as a payment
option geared towards Sub-Sahara consumers, who now
use mobile wallets instead of card payments. Thanks to
innovative and collaborative work of a few forward thinking
companies, such as BBM, SmartVOD, Talk360, WhoTrades
and others coming on board.
More international players like Apple, Google, Amazon,
Facebook, need to adopt the mobile wallet payment option in
004

MMIT, Mobile Media Info Tech, is a mobile payment processor with a mission to
revolutionize the mobile payment process.
MMIT focuses on the Sub-Sahara Africa market and partners with financial institutions
and international merchants to provide value added services to mobile wallet providers
and users. Please visit MMIT at www.mmitonline.com.
Jide Akindele, Founder,
MMIT
Jide is a visionary entrepreneur with a deep and wide
knowledge of technologies based in the mobile money and
payment transaction space. Mr. Akindele has held various
directorship positions for companies in West Africa and has
worked in USA, Nigeria and the UK since 2007.
Sub-Sahara Africa in order to tap into the huge
1 billion plus consumer base.
A typical day in the African mobile wallet
payment space; location: Nigeria; bought
airtime, bought bandwidth, paid bills, bought
VOIP for long distant calls, bought stickers on
an app store, subscribed to international Video
on Demand content; I am an average African
consumer, within the highest demographic, now
that’s amazing, and this is not fiction! Bring me
more content, a typical cry of millions of young
savvy African content hungry consumers across
the continent.
In contrast, tried to buy an APP with a card,
DENIED! Tried to buy an educational e-book,
DENIED! Tried to buy an e-Gift card, DENIED!
Tried to buy gaming tokens DENIED! “This service
is not available in your region” (Miserable day).
This is a very typical experience across Sub-
Sahara Africa. This however, begs the question,
why are Facebook, Apple, Amazon and Google
not operating in this space? These brands have
huge amounts of followers in the Sub-Sahara
region, however, consumers are let down by
the lack of enablement on the m-commerce
front and payment option capabilities. This very
surprising when Sub-Sahara Africa still accounts
for the majority of live mobile payment services
globally, estimated at (53%) according to a
GMSA report.
Sub-Sahara Africa mobile payments is no
longer just a payment option for unbanked,
but is emerging to a de-facto payment option
for goods and services across borders. Most
developed regions of the world use mobile
wallet payments for convenience, Africa being a
“mobile first” region uses it as a standard tool
of choice. Therefore, rapid adoption of Mobile
payments in Sub-Sahara markets will be the
main driving force of m-commerce growth.
Mobile payments will be a strategic business
enabler for international brands wanting to
expand into the Sub-Saharan markets.
005

eCommerce
commerce
Africa
Africa Confex
17 & 18 FEBRUARY 2016 | THE CTICC, CAPE TOWN
WWW.ECOMMERCE-AFRICA.COM
Solutions
PRE-CONFERENCE WORKSHOPS
DISRUPT COMMERCE 2016 | 16 FEBRUARY
DISRUPT
COMMERCE
CARDS, PAYMENTS, MOBILE MONEY
creative innovation
PROUDLY PRODUCED BY:
Follow @eCommerceConfex and @KineticEventsSA on
Twitter for daily updates and news feeds.

Is the online payment market growing as expected?
© picjumbo
Trends online payment market
Peter Lyster, Marketing Manager at Nochex, speaks about the latest deveopments in the online payment market
For anyone looking to be employed
within the payments industry a
recent article that appeared on
the Internet Retailing website,
might have made them think that the
online payments market was grinding
to a halt. The headline read “Online
and offline sales slump as consumers
less willing to spend”, but the article
went onto talk about how online sales
had only slowed down; the market
was still growing at an eye-wateringly
impressive 11.5% per annum.
Now 11.5% is down from those heady
days when growth was measured in
three-digits, but double digit growth
is still something most businesses
would give their eye-teeth for. And,
while it is tempting to think that
online payment is becoming the
ugly sister to mobile payment’s
Cinderella, the reality is very different.
Of course, all the eye-catching stories
are often about mobile payments and
how the latest technology is being
harnessed in some new way to exploit
it. In fact, there is a great deal going-on
with online payments as the market
gears-up for what are certain to be
Online sales
continue to grow.
challenging times ahead. In the US that
bastion of online payments eBay has
parted company with PayPal. Although
they are still locked together for a fixed
period to protect both their interests,
PayPal has had to make adjustments
since it is now a publicly quoted
company in its own right and has to bow
to its investors, with no protection from
its previously doting parent company.
© pixabay
007

Paypal
under
pressure
© pressmaster - Fotolia.com
#57550673
PayPal recently announced a 30%+ increase
in charges for internet merchants that have
less than $1.2 million turnover per annum.
Such an announcement has not gone
unnoticed in the UK and many online businesses
are now apprehensive about their future, should
PayPal apply the same increase here. Such a
big rise signals a very different attitude going
forward, and will be a cause of considerable
disappointment to those many online sellers
who have remained loyal supporters of PayPal
over the years. PayPal knows it must continue to
compete in its traditional markets, while at the
same time satisfying its new investors. However,
industry observers observe that there is a view
within PayPal that believes it has reached a point
where merchants who use PayPal have little
choice but to continue using it – even when it
raises its charges so dramatically. But PayPal
has no room for complacency. The market has
seen a plethora of new entrants and all of them
really must have a substantial share of the pie
to placate their backers. In the past month
there have been major announcements by
Amazon, Facebook and Twitter, amongst others,
indicating that they will not let PayPal play
the game entirely in its own way. Meanwhile,
the global card schemes have shown their
willingness to put their considerable money
where their mouths are, launching their own
electronic wallet solutions, and in Visa’s case,
deciding to rebrand what was already a very
new e-wallet product. This jostling for position
has been driven by the huge rewards at stake
to the winners. How this will work out and who
will come out on top will take time to unfold, but
there can be little doubt that there are to be
major implications for anyone employed in or
who is looking to be employed within the online
payments industry.
About Nochex
Nochex is the UK’s leading independent online
payments company, concentrating on several specialist
areas that are challenging spaces for the large internet
payments corporations to operate. It has recently
become a leader in the provision of payment service
solutions to networks operators, where multiple
smaller organisations and individuals use the services
of a master account holder to leverage competitive
advantage. Such networks include websites catering for
auctions, advertising, communities, education, markets,
sports, clubs, and entertainments.
Peter Lyster,
CMO, Nochex
With more years’ experience in marketing financial and
frontier technology companies than he cares to admit,
Peter is the CMO of Nochex, he is a member of the
Chartered Institute of Marketing, and happily provides
straightforward guidance to many online ecommerce
businesses ranging from mid-tier internet retailers
through to one-person operated websites.
008

Fintech vs. Banking
By Son Nguyen
November 2, 2015
© picjumbo
Fintech is the future of the bank industry, not their nemesis. In the financial industry, a new type of start-ups have spawned and
Rampaged in a once stronlgy protected and highly regulated market. We know them as Fintech.
These players have initiated new markets or revamping old
aging business. Their targets usually focus on business where
banks have a high margin and where traditional institutions
can’t keep with the need and innovation coming from the
digital space. In a defensive posture, many banks are trying
to protect their assets and somehow become reluctant to
interact with these new actors. However, Fintech did and
will bring agility and innovation where there were limited
successes in these traditional sectors. The paragon would
be that a new breed of financial services create and provide
consumers real innovation and create a bridge between
traditional bank and financial services and those new digital
services.
From a higher overview, the outcome might be different.
If we look back, 15 years ago another sector did face the
same issue, i.e. the Retail. 15 years later, 8 out of 10 largest
e-commerce players are owned by Retail. Even during these
years, some believed that e-commerce would kill the retail
now history has proven it probably will not be the case.
Digital, entrepreneurship and investments allow the sector to
grow faster and mutate to the next generation of consumers
services. Afterwards, since the traditional actors would be
able to acquire the Fintech, it will only benefit them and in
competitive way in comparison to if they’ve tried to innovate
themselves.
Of course, amidst the pack a few players will become the
“Amazon” of the Fintechs but the rest of the industry will
probably still be (or be owned) by the same names we
already know. So Fintech might be more of an evolution of
the Financial Industry rather than a Spin-Off. This is of course
a very personal take, but let’s rendezvous in 15 years to see
Son Nguyen
Program Director at
Vente-privee
Son Nguyen oversees strategic plans
for Finance and in particular Payment
and Fraud. He’s part the MRC European
Advisory Board and of the FEVAD for
payment commission and along with
other regulatory commissions with
French authorities.
009

Experts Interviews
Welcome to the
world of PAPISPs
The Payments & Cards Network dived deep into
PSD2, what it entails and what it means for the
payments industry. We sat down with Francesc
Altisent, payments expert with a great deal of
knowledge on PSD gathered by years of professional
working experience in the industry. We discussed
various points of attention regarding the Directive
and here is what he has to tell us.
010
Francesc Altisent
Payment Advisor and
Solution Expert, SlimPay
When the Payment Services
Directive (PSD2) replaces the
existing PSD it will have a wider
scope than only harmonising European
Economic Area payments to ensure
consistency of processing between
countries. It also seeks to open the
marketplace and thus cover the many
new innovative payments services.
What is PSD2?
The PSD2 is the second Payment Service
Directive approved by the European
Union that is expected to regulate
and define the framework of activity
of banks and financial institutions in
the years to come. It is important to
mention the letter D from Directive,
which means that after the official
approval was given by the European
parliament at the beginning of October,
every local parliament in the European
Union has 24 months to transpose it
to the local regulation. That is when
the PSD2 will start to mean something
very specific for PSPs, banks, other
payment institutions and ultimately
for Customers and Merchants.
What is the main purpose of PSD2
with regards to consumers and
organisations?
As for many other initiatives raised
by the European Union, this directive
is two fold (legal security of certain
practices & foster free market as well
as competition through the EU). On
one hand, it is intended to provide
legal security to certain payment
initiatives and practices that have been
generalised in the market in the last few
years such as account aggregation by
third parties or payment instructions on
behalf (i.e. money in the supermarket)
of the consumer (i.e. Sofort); it will
protect both the service providers and
the consumers using them. On the
other hand, it will open up the European
market and allow customers and
merchants with a new (or so it would
seem) set of competitive payment
instruments that are challenging
the already existing established
payment methods like cards. Simply
put, customers and merchants from
anywhere in Europe will be able to enjoy
a new host of competitive instruments
originally created for other markets.
What are the most relevant changes
introduced by PSD2 and what is
your personal opinion on these?
As most of the analysts in payments
I consider that the most relevant is
the creation of two very well defined
entities and the roles that these
can perform. The AISP (Account
Information Service Provider ) and PISP
(Payment Initiation Service Provider), by
themselves have the power to capsize
the current payment ecosystem. AISP
will be allowed to provide aggregated
Account information to the Customer
that has been collected from one or
more Payment Institutions. The PISP
will be allowed to instruct payments on
behalf of the Consumer through their
bank account. All this will be possible
through a mandated subset of APIs
that the account holder institutions
(mostly banks) will be required to
define and standardise according
to what the EBA will define in a year

and a half from now. The best part
is that the Consumer will be allowed
to provide recurring authorisation
to receive these services over time.
Would you consider it more of a
threat or an opportunity?
In my opinion, it really depends on how
you look at it. Looking at compliance
projects (PSD2 is one of them) as
something that you are forced to do, is
not the right way of viewing compliance.
My approach to compliance is
“compliance++”, in the sense that
financial institutions are mandated
to create/control/modify/etc., but
they should not stay there if they are
willing to lead in the post-compliance
scenario. What the regulator does not
say, and this is where advisors play
an important role, is how the same
regulation or directive can be pushed
to its limits to provide new business
cases and new revenue streams for
financial institutions and also banks.
A specific example in relation to
what we discussed in the previous
question, PSD2 defines the mandatory
existence of a subset of APIs for the
banks to offer account information and
payment initiation. Why banks would
not think also about offering APIs to
provide identification services (based
on the KYC they already collected for
years)? As side note, while payment
transaction costs are in the cents or
tenths of cents, identity transactions
are in the euros or tens of euros.
Do you think PSD2 should be
discussed more in the payments
community as we do not hear much
about it, even though its going to be
put into effect soon?
I think that slowly the payment
community is getting more and more
aware of the existence of PSD2. Maybe
because now it is a reality. And well, a
lot of people still think that PSD2 will
be like SEPA, something that was done
last minute. However, I think that the
first in the class are already starting
to take positions for the race and
start to propose how the status quo
can be leveraged before the deadline
approaches. I have been in discussions
with various large European players and
most of them are already taking specific
actions towards taking advantage of
the new PSD2 regulations. Let’s keep
in mind one thought, the early thought
leaders of today are going to be the ones
with a bigger advantage tomorrow.
PSD2 is trending to follow technical
innovation, what will the biggest
impact be on payment companies
and how will it affect them in
general?
PSD1 was followed by the apparition
of plenty of alternative payment
methods and PSPs, due to the clearly
defined framework that followed
that directive. I think that PSD2 will
bring to the payments market the API
hubs. Why this and not something
else? Everything comes from tight to
impossible deadlines defined to all
parties by these directives (18 months
to define the standard by the EBA and
6 additional months for the going live)
and the uncertainty surrounding them.
Dynamic organisations are needed
to provide a steady interface with the
existing banking players that can be
adapted once the regulation appears
and requires to do things a certain way.
Welcome to the world of the PAPISPs
(Payment API Service Providers).
If you were asked to give advice to
payment companies to best prepare
for it, what would you tell them?
PSD2 represents an unprecedented
ocean of opportunities for new
entrants in the payment ecosystem.
Creative thinking will allow existing
payment institutions to diversify their
business and prepare for the future in
a steady way. Compliance ++ is the way
to go, anything else is exposing oneself
to loss of business in the years to come.
What does this mean for banks?
Will they take a piece of the cake or
will it just be another blow out for
them?
If they will or if they won’t is up to them.
I think that they should, otherwise they
risk losing a large part of revenue. And
honestly, PSD2 has been approved only
a few months later than the MIF and in
conjunction with the instant payment
debate. I think that there are too many
risks in these three topics for not taking
them into account, evaluating them and
providing an aggressive business plan
to leverage what they can bring to the
banking ecosystem.
As a professional in the payment
industry, do you think it is necessary
or not to have such directive in
effect?
Customers and merchants are still
suffering today from the banking
practices that started 50 years ago.
The European Union has created this
directive to open the market to new
players, I think that the application of
this directive will only bring good things
to the final stakeholders eg. customers
and merchants. It may come with some
suffering from the banks, but they now
have the choice to suffer or to leverage. It
is ultimately up to them what they prefer.
“...the early thought
leaders of today
are going to be
the ones with”
bigger advantage
tomorrow.”
011

Spotlight
In this brand new section in the PCM we’ll take a close
look at some of the most innovative and promising
startup companies in the payment industry.
Using Your

Caption from left to right: Nicolas Mertens, Tom
Schouteden and Nick Lloyd. Sign2Pay was founded
in November 2013 by Nicolas. Joining him were
co-founders Nick Lloyd and Tom Schouteden, and
Joost Baaij, VP Engineering.
The FinTech sector expands
continuously and therefore
becomes more and more
competitive. Many start-ups are
looking to innovate and differentiate
themselves in every aspect of the
industry. One battle ground is the
payment authentication process.
We speak to Nicolas Mertens, CEO
and founder at Sign2Pay, about
the company’s development in the
market and their next big steps.
Where did the idea for Sign2Pay
come from?
Sign2Pay is a company providing a
secure and convenient mobile payment
method that allows consumers to
use their touchscreen device to pay
with their bank account number
and personal signature. In late 2013,
observations indicated that the mobile
traffic was increasing but there were
no transactions. Next to that our
generation is more impulsive and wants
to manage things “on-the-go”. That’s
where the idea originated. We wanted
to cope with the predominant impulsive
purchasing behavior our generation
is so fond of but at the same time it
needed to be easy to use and secure.
How does your payments method
differ from others?
Our payment method is based on
our consumers’ unique signatures.
We utilize real-time signatures input
as they provide the possibility to be
used on any touch-enabled mobile
device, anywhere, at any time. Due to
the complexity of Sign2Pay’s biometric
authentication in the form of a signature
it ensures its users a maximum level
of security and in fact it is even safer
than fingerprint or facial recognition.
What we do is using customers
signature to track their gestures
and the signature as a whole is a
long password. To be more specific,
Sign2Pay’s payment method measures
1200 parameters, which combine
for a unique reference set in order to
guarantee the safety of the password.
So, our company strives to bring
mobile payment security to the
next level while making it very
user friendly at the same time.
What is more, our payment method
allows users to pay with their debit
card, which is mostly preferred by
Europeans to pay with. By removing
usual obstacles such as card readers,
redirects and external apps, we
also always stay within the trusted
web environment of the merchant.
Based on that Sign2Pay can provide
merchants with higher conversion
rates. Ultimately, we want to make
both consumers and merchants happy.
Do you think Sign2Pay can compete
with other popular payment service
like Apple Pay?
Well, we don’t see Apple Pay as a
competitor because we are a close
loop payment method. That means
that we find and acquire the merchants
and transactions from merchants but
we also allow the consumer to set up
an account with us connected to their
local bank. So we play both games.
What Apple Pay and Android Pay
do is more being an authentication
mechanism, which signals that it’s this
specific phone, which wants to start a
transaction. You still need an acquiring
partner behind it for a merchant and as
a consumer you need to upload your
bank card details, which means a point
of issuing that card also needs to be
in place already. In the end, payment
services like Apple Pay function more
as a facilitator. However, what we would
like to do when Apple Pay arrives at
the European shore is to collaborate
with them in terms of integrating our
Sign2Pay accounts with the Apple
Pay mechanism if they are interested.
Would you also consider to add
other technical functionalities to
your provided payment service?
That depends on how the market
evolves. Right now we are very focused
on pursuing signature recognition
advancement as the signature
verification also holds a lot more use
options. For example, think of people
in the U.S where consumers give their
credit card to their kids or other parties
and one bank card could hold many
signatures. These are many possibilities
which are yet to be explored and
developed. We are always eager to
013

learn about new technologies to see
what fits best for out clients, though.
Are there significant milestones
Sign2Pay has already achieved?
One of the most significant milestones
within Sign2Pay is the maturing of the
technology we are able to utilize. We
have a great team of data scientists
and developers who are constantly
improving the algorithms to provide
the very best user experience for
our consumers. Next to that the
onboarding of the very first client was
very important to us as is the setup
of our sales team, which is almost
approaching its six-month anniversary.
It’s a slow but fruitful process while
getting acquainted with how to manage
sales to our targeted customers. We also
see our efforts and growing potential
approved since our initial investors
are double-down for this project.
What is your outlook for the near
future?
Our goal is to become the market
leader worldwide in digital signatures
by 2018. The reason why we think
we can become a big global player is
that nowadays nobody authenticates
digital signatures excluding certificate
signatures. Other companies working
with digital signatures mostly use blank
canvas where you draw something on,
then it’s captured, stored and there
it ends. Whereas, we actually look
at the data on that canvas and do a
verification on the signature. And as
far as we can tell, Sign2Pay is the only
commercial company applying that
process and our technology is also the
most advanced in authenticating what
you write down on that blank canvas.
Are there other exciting projects
Sign2Pay is currently working on?
Yes, I actually have some fairly
exciting happening coming up. When
looking at micro-payments, which are
e-commerce transactions involving a
very small sum of money in exchange
for something made available online.
Just imagine for example you would do
a text payment to a gateway in Belgium
or the Netherlands. Then you would
have to pay about 50% to KPN or the
mobile gateway. That means there is a
lot of money involved. We are working
on that extensive cost structure and
came up with a plan, which for now only
focuses on non-profit organizations.
In November 2015 we want to offer
a micro-payments service for them
so that any transaction below 3 Euro
will be free of charge. This will allow
to process and receive 100% of the
micro-payment transaction. However,
the carrier costs will influence those
transactions as well. Who knows yet,
but Sign2Pay will keep developing
that algorithm to possibly offer that
service to other parties as well.
“A fast and secure mobile checkout: only rotate your
device, sign on the screen - and that’s it!”
014

Hot Jobs
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Head of payment
Berlin
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Sales Executive
Johannesburg, South Africa
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Amsterdam
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Payment Expert
Germany
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Benelux & CE
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APAC
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Managing Director
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Payments Product Manager
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015

Events
Date: March 6-8, 2016 | USA
This executive three day event
is full of relevant topics such as
building customer trust around
mobile security, converting mobile
traffic into sales by implementing a
seamless mobile payment process
and more! This event is designed for
senior-level executives responsible
for the mobile payment strategy
within their organisations.
Date: Nov 25th, 2015 | London, UK
This is a one day conference for
the payments industry to explore
the latest innovations in emerging
payments. Heroes in payments
will share their stories of how they
successfully launched new and
innovative payment products.
Following that, an innovative
showcase featuring their new
trailblazers of the payments
industry.
016
Date: Nov 10-11, 2015 | Berlin
ISSE is Europe’s leading
independent, interdisciplinary,
security conference. The event
is designed to educate & inform
on the latest developments in
technology, solutions, market
trends and best practices. It is a
two day, four track programme
which provides rich, educational
content for both government and
commercial end-users.
Date: Nov 12-13, 2015 | Sao Paulo
This two day event in Sao
Paolo focuses on strategic
partnerships that allow you to
scale your payments channel,
discovering market trends &
growth opportunities in the
Americas’ cards & payments
networks and more! Card security,
interoperability, and financial
inclusion in the age of payments
system automation and finality of
real-time settlements.

Events
Date: Nov 17-19, 2015 | Paris
Now in it’s 30th anniversary,
Cartes is the leading event in the
global market of secure payment
solutions, identification &
mobility, serving users, matching
their current ways of living
and proposing new and more
convenient solutions. Gathering
attendees from the Financial,
Retail, Government, Identity &
Access, Telecommunications and
Transportations sectors.
Date: Nov 24-25, 2015 | Zurich
This is an annual platform
addressing the topic of payment
transactions in Switzerland. It is
the meeting point for all those who
are interested in payment trends.
This two day conference offers
insight into mobile payments,
mobile commerce, mobile banking
and innovative payment models.
Date: Nov 18-19, 2015 | Instanbul
Date: Nov 10-11, 2015 | Amsterdam
An executive conference focused
on the connected home ecosystem
& the Internet of Things. It is a two
day summit which examines the
impact of connected devices and
services, including entertainment,
controls, digital media, security
and cloud services. Offering insight
into new and innovative business
strategies and partnerships,
current & future technologies and
much more!
This is a special event paving
the future of digital economy,
welcoming thousands of C-level
global leaders, digital & tech
entrepreneurs and founders
from 110 countries. The event
focuses on Media, Advertising,
Digital Entertainment, Internet
of Things. BigData, Cloud, Money
and Payments. Bridging the world
of enterprise and startup for
innovative collaboration.
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You think you are a good match or know
someone who is?
Apply Now!

Payments and
Cards Network
Driving Innovation through Innovation
You
have any suggestions or ideas for the
next issue of our PCM eMagazine?
Get in touch today and maybe you will
be featured in the next edition:
Amsterdam Office
Herengracht 576
1017 CJ
Amsterdam
The Netherlands
Email: info@
paymentsandcardsnetwork.com
Tel: +31 20 3030 257
Fax: +31 20 8208 295
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