Cashless World - Transforming Payment with Digital & Fintech | Nov. 7-9, 2016 – Brussels, Belgium

Program

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Update: November 5, 2016

DAY 1 - Monday Nov. 7

10.00am: Welcome Coffee | 10.15am – 12.30am: Break-out session

PRE-CONFERENCE TUTORIAL

Shape your future in Digital Retail Banking!

Opening
The opening session examines the major trends of retail banking in the digital era. From customer-centric approach to new revenue models, from payment disruptions to new regulations impact, the role technology plays in the banking industry transformation today and tomorrow will be explored.
Day 1
07 Nov 2016
John Broxis

KEYNOTE Banks going digital: the key is the customer account

  • Every bank know they have to “Go digital” but nobody is quite sure how
  • Banks and other Payments Service Providers can go digital by reclaiming the customer relationship and offer services that solve their customers’ problems
  • Enabling the banks to enable their customers by using the customer account to provide services in the digital age.
Koen Vanderhoydonk

KEYNOTE Banking Innovation: how to start-up

Impacts of Digital on the Banking Professions
Built in partnership with  

This workshop led by Payments & Cards Network will analyze the impact of the new technologies on retail banking jobs and explore how banks and bankers can take advantage of digital. Based on market data, case studies and testimonials, the workshop will gather on stage banking and payment HR experts and practitioners. The attendees will be invited to share their own experience and views.

With Lewis Michael Howard, Senior Recruitment Consultant, UK & IRE Country Manager and Rogier Rouppe van der Voort, VP Global Consulting, Payments & Cards Network, Thomas Hagenaers, HR Business Partner, Technology & Platforms, Ingenico ePayments
12.30 – 2.00pm: Lunch – Networking | 2.00 – 6.45pm: Break-out Sessions | 4.30 – 5.00pm: Coffee & Refreshments Break – Networking

CONFERENCE OPENING

2016 Global Digital Payment Landscape
Session Chair: Dr. Windsor Holden, Head of Forecasting & Consultancy, Juniper Research, UK
Cashless payments are globally growing at an estimated annual rate of 8.9%: 5% in developed markets and 20% in emerging markets. Beyond rates, after a long migration from cash to card and online transactions, payments stakeholders are engaged in a new wave of digitization. It entails much more than a new form factor or payment channel: the whole banking and financial ecosystem is undergoing the digital transformation seen in every other industry. This session will give the global picture of where, how and why globally traditional payment technologies and business models are disrupted by a broad range of digital players, from the smallest start-up to established Internet giants, all part of the Fintech/Paytech booming market.
Day 1
07 Nov 2016
Dr. Windsor Holden

KEYNOTE Disruptive Technologies in Digital Commerce & Fintech

Fintech is emerging as one of the fastest growing, innovative and most promising industries in the world today. This presentation provides an assessment of the emerging technologies that, individually and collectively, are taking digital commerce in fresh and exciting new directions. It examines how these digital commerce technologies will affect the consumer and B2B experience, alongside an in-depth analysis of critical barriers and ecosystem readiness.
Tony Craddock

KEYNOTE The Source of Breakthrough Innovations in Emerging Payments

  • What is driving innovation in payments?
  • How is global payments growing?
  • Where do innovation breakthroughs come from?
  • Where can you go to accelerate your own innovation performance?
Mike Gillespie
David Swan

KEYNOTE Cyber Attack Trends & Forecasts for Payment Industry

  • What are the current cyber attacks on the financial industry with particular focus on the payment sector as observed by the CSCSS?
  • Cyber Intelligence Defence Centre?
  • What are the attack trends?
  • What is the security forecast for the industry?
Thierry Spanjaard

mWallets to Meet European Adoption

  • Payments ecosystem – where are we coming from?
  • The introduction of mWallets – technologies, stakeholders, value‐chain, security architecture…
  • A strong influence coming from the US: Apple Pay, Android Pay, Samsung Pay, and others “Pay”
  • European mWallet market: trends and forecasts
Eddy Van de Velde

KEYNOTE NFC Mobile Payments 2016 – What’s Next?

>As more smartphone, wearable and Internet-of-Things devices become NFC equipped, the mobile payment industry will go through a revolutionary shift from payment-only transaction technologies to value-added, connected world services. Here's a look at a handful of innovative ways NFC mobile payments technologies will evolve to meet demands for interacting and transacting in a connected-world.

Risk & Compliance: Optimizing IT for PSD2
Built in partnership with  

Facing the growing costs and requirements of regulatory compliance, banks’ IT systems need a permanent update. This session focuses on the new Payment Services Directive II implications:
– Risk or opportunities for the digital finance evolutions?
– What are the challenges PSD2 presents to banks’ internal architectures?
– Data security: impact of PSD2 ‘Access to Account’ (XS2A) rule on verifying the identities of payment service users? Security issues related to reputation of Banks through using TPP’s?
Other Risks:- Data security for internal processes: intelligence tools to detect new threats

With John Broxis, Managing Director, MyBank, Preta; Cyril Dougier, Head of Business Development, MyBank – EBA Clearing

OPEN DISCUSSION
Interactive session with the audience to review key takeaways.

2016 Global Digital Payment Landscape – Part 2
Session Chair: Dr. Windsor Holden, Head of Forecasting & Consultancy, Juniper Research, UK
Day 1
07 Nov 2016
Dr. Windsor Holden
John Broxis
Tony Craddock
Thierry Spanjaard

PANEL: Toward a Cashless Society: “How Close Are We from the End of Cash?”

  • Pioneer countries' lessons, in the first place the Nordics
  • What are the key technology enablers leading to the end of cash
  • Impacts of and challenges ahead for (Digital) Payment stakeholders

DAY 2 - Tuesday Nov. 8

9.00am - 1.00pm: Break-out Sessions | 10.50 - 11.20am: Coffee & Refreshments Break – Networking

Retail & e-Commerce:
Addressing the Connected Consumer
With 2.6 billion smartphone users in the world expected by 2018, mobile and contactless technologies are able to provide the connected consumer “anytime, anywhere, any device” payments. Yet, the revolution of shopping experiences, consumer behaviours, client relationships is not as fast as expected. In particular, changing behaviour is a key challenge for all new payment methods from Apple Pay, Samsung Pay and Android Pay to the long list of digital wallets.
The stakes of the digital wallet go well beyond providing frictionless payment at the PoS and online: the value lies in connecting payments to consumer’s data for marketing & advertising purpose. Payment data appears just as the starting point for delivering value added-services. This session will review both the latest innovations in connected payment and their value added services through concrete case studies.
Day 1
08 Nov 2016
John Broxis

KEYNOTE The accelerating pace of change in cashless payments: Riding the Cashless Roundabout

Never has there been such a focus on ‘Cashless Payments’. As our world becomes ever more connected e-commerce has shown impressive and stable growth. Here in 2016, the industry is seeing new waves of innovation and technology. Mobile is changing the expectations and behaviours of consumers and businesses. At the same time regulators are getting interested and setting rules aimed to promote safety, innovation and reach. As these forces drive us faster and faster are we accelerating into a brave new world of cashless payments, or simply spinning out of control?
Lorenzo Gaston

Cashless Society: Contactless the Best Way Forward? (Title TBC)

  • The cashless context – the past and present market overview
  • The consumer, retailer, bank and regulator benefits of transition
  • The ‘good and bad’ of different cashless options: debit, mobile, contactless
  • The role of contactless as the primary driver for transition
  • Best practices in accelerating migration and acceptance of e-payments
Aude Schapiro

Mobile Payment, the New Paradigm

  • Mobile payment and new shopping experiences
  • Mobile payment and consumer relationship
  • Visibility for retailers on consumers’ smartphone
  • Mobile payment and data
Christian von Hammel-Bonten

Why Data is the New Holy Grail for Payment? Orange Cash Case Study

  • Orange Cash: Driving consumer and merchant engagement through data
  • A classification: X‐merchant pay (like Orange Cash) vs wallets (like ApplePay) vs RetailerPay
  • Why the “Pay” is the key to deliver a true omni‐channel experience

Retail & e-Commerce – Part 2
Day 1
08 Nov 2016
Martin Christl

Digital Loyalty in a New Mobile First World – Loyalty Made Easy

  • Mobile loyalty and personal couponing as enabler for consumers and retailers
  • Creating open and interconnected environments as a new state of the art
  • Beacons and location awareness pushes customer journey to an exclusive level
  • One‐time checkout enriches customer experience, addressing loyalty and payment at once
Silvana Pintao

Invisible Payments Key to Omni-Channel Commerce

  • The payment industry: issues and trends
  • Payments innovation: bringing value to merchants
  • Invisible payments: eliminating friction from payments
  • Disruptive solutions for in‐store, eCommerce and mCommerce ‐ forecasts
Lorenzo Gaston
John Broxis
Martin Christl
Aude Schapiro
Christian von Hammel-Bonten
Silvana Pintao

PANEL: Connecting Payments to Consumer’s Data: the Road Ahead

  • What are the commerce payment winning business models and technologies
  • How to encourage both buyers and sellers to embrace “invisible” payment techs
  • Millennial impact on payments and engagement

Emerging Markets Cashless Models
Money Transfer, m-Commerce & Inclusion
Over 2 billion people do not have a bank account, most of them in developing economies. The fast growth of mobile money especially Africa has shown mobile payment/banking’s key role for financial inclusion and socio-economic development for millions of people. Beyond the expansion of electronic payment systems, how the developing world can also replicate mobile commerce successes? Who are the key stakeholders and their business models? What can the other regions can learn from these roll-out?
Day 1
08 Nov 2016
Charles Damen

KEYNOTE How Mobile is Disrupting Cash in Emerging Markets

  • Mobile Money as a means for driving financial inclusion
  • 1 Billion Mobile Money users by 2020
  • Vulnerabilities of cash vs. security & transparency of mobile money
Rudi Sunarno

Providing Digital Fintech Platform for Empowering Unbanked Societies

  • Leveraging social and cooperative welfare
  • Designing, developing and implementing the digital financial technology in a cooperative
  • Enhancing public knowledge about the use and role of technology
  • Facilitating the public to conduct financial transactions
John Mahasi

The Place, Value and Challenges of Mobile Payment and Mobile Money Transfer: The Emerging Market Success Story

  • The trends in mobile telephony technology and mobile money transfer
  • The major success stories in mobile money and the driver of success
  • The challenges with mobile money and m‐commerce. How the developing world can replicate mobile commerce successes of the developing world?
  • The role of government regulation in ensuring soundness of the system and financial sector stability
1.00 – 2.00pm: Lunch – Networking | 2.00 – 6.45pm: Break-out Sessions | 3.50 – 4.30pm: Coffee & Refreshments Break – Networking

Digital Payment Security
Session Chair: Thierry Spanjaard, CEO, Smart Insights
In order to boost in-store and in-app sales with a mobile phone the user experience has to be absolutely frictionless. The concept of cloud-based payment credentials has proven to be an exciting new way to make this a reality: a simple app-download is sufficient for the digital enablement of a consumer’s bank card into his mobile phone. This convenience goes with multiple challenges to ensure adequately secure transactions. A high level of trust is also needed when transacting online. How secure are digital payments? What are the risk mitigation efforts needed to make and keep their mobile payments applications secure? This session will also assess how biometric technology can provide an additional layer of security in mobile payments while making the entire process more convenient for the user.
Day 1
08 Nov 2016
Jan Rochat

New Ways of Identification, Authentication & Digital Signing

  • The need for seamless experience with any device on any platform
  • All‐in‐one solution which maintains trust, privacy and security for users
  • Identification, authentication and digital signing possible and scalable world wide
David Poole

Examining Authentication: Addressing Digital Security Needs

  • How security and authentication methods can work together rather than against each other
  • What PSD2 means for the traditional banking sector versus alternative market entrants
  • Balancing security with convenience and cost for authentication across multiple platforms
  • Upgrading banks legacy systems to ensure regulatory compliance with minimal disruption and cost
Lauri Pesonen

HCE Issuer Wallets – Security with Great User Experience

  • End-to-end overview of cloud based payments for HCE enabled devices
  • Principles for a system wide multi-layered security design
  • Use of tokenization for HCE Issuer Wallets
  • Essentials for creation of great user experience
John Erik Setsaas

Identity Assurance – The art of knowing your customers

  • The need to establish certainty and proof of the customers identity
  • Balance between convenience for the user and information to ensure trust
  • Methods for digital customer on-boarding with reasonable assurance

Banks Transformation
Digital Payment & Fintech Challenges
Session Chair: Samee Zafar, Director London Office, Edgar Dunn & Associates
The payment landscape has considerably evolved in the past three years. New players (Telcos, Fintech, mobile manufacturers, etc.) have entered the field, the Internet giants have patiently built up their payment services, new technologies (HCE, Secure elements, biometrics, tokenization, blockchain, instant payment…) allowed the emergence of new payment providers disrupting the core infrastructure. In this competition along with new and alternative payment methods, banks are still in a strong position to develop innovations covering broadly customer’s needs. What is the role of banks in the new mobile payment value chain? What are the best routes to achieve reach and remain relevant to their customers in the mobile payment industry?
Day 1
08 Nov 2016
Samee Zafar

KEYNOTE Disruption and Impact on Financial Services

Florian Moser

Fidor – Better Banking for a Digital World

  • 100% digital Banking approach incl. a community and 60 seconds banking STP products
  • Banking‐Service/API enabler for various FinTech business models
  • Enabler of mobile banking business models through a unique banking API infrastructure
  • Real‐time Transactions to e‐Mail, Mobile Phone, nickname, Twitter accounts
Jan Nezbeda

CSOB Mobile Wallet – Vision and Lessons Learnt

  • CSOB Mobile Wallet: key pillar of beyond‐banking strategy in shopping and entertainment
  • Key to successful delivery is well‐balanced usability vs security, phasing and clever agile development
  • Innovation requires new ways of communication
  • Mobile Wallet war: Not certain we will win against tech giants, but we have to fight ‐ and we know how

Banks Transformation – Part 2 & Panel
Digital Payment & Fintech Challenges
Session Chair: Samee Zafar, Director London Office, Edgar Dunn & Associates
Day 1
08 Nov 2016
Jonathan Prince

Payments in the Digital Age: New Challenges for Banks

  • The main challenges banks have to face today in payments
  • Digital deeply impacts the payments industry ‐ Customers are seizing control
  • The EU political willingness is to boost the rise of electronic payments but also foster competition
Koen Vanderhoydonk

KEYNOTE Where Fin Tech Innovation Will Drive The Customer Experience

Samee Zafar
Florian Moser
Jan Nezbeda
Jonathan Prince
Koen Vanderhoydonk

PANEL: Why and how traditional financial sector players should reinvent themselves?

Chaired and moderated by Samee Zafar
Panellists will include Florian Moser, Jan Nezbeda, Jonathan Prince, Koen Vanderhoydonk

DAY 3 - Wednesday Nov. 9

9.00 – 10.50am: Break-out Sessions | 10.50 – 11.20am: Coffee & Refreshments Break – Networking | 11.20am – 1.00pm: Break-out Sessions

PSD2: New Roles for Financial Institutions in Europe
Session Chair: Pierre Combelles, Head of Mobile Commerce, GSMA
The EU’s Payment Services Directive 2 (PDS2) is setting up a new deal for banks, insurances and other financial institutions in Europe. By fostering the rise of electronic payments, by ensuring more transparency through more traceability PSD2 is also increasing non‐bank competition. PSD2 is thus a challenge is many respects (legal, security…) but also a tremendous opportunity to create a truly secure environment for all. How can Banks best play their game? What will be the impact of the new roles, the AISP and the PISP? What to expect for the 2018 European payments market?
Day 1
09 Nov 2016
Dennis Raabe

KEYNOTE Strategic impacts of PSD2 for a bank

  • PSD2 a game changer in where and how customers will be interacting with banks
  • PSD2 the accelerator of an already changing market environment for banks
  • Major strategies: Do nothing or change the bank?
  • Case study
Pascale-Marie Brien

PSD2, Challenges and Opportunities

  • Challenges introduced by PSD2
  • Opportunities to move forward for banks and Fintech
  • and to make Europe a champion…again in delivering seamless payment experience
Cyril Dougier

Does PSD2 make credit transfers the future of payments?

  • Sepa / PSD2 / instant payment : the big change in European payment landscape
  • The value proposition of Sepa Credit Transfers
  • Proven business cases
Christian von Hammel-Bonten

The PSD2 and Lego!

  • PSD2 creates new opportunities as well as threats
  • PSD2 creates new roles which will be more consumer‐facing: AISP and the PISP
  • Banks, insurances and other financial institutions will be product factories
  • How does this relate to Lego

Driving m-Payment Innovation
The high penetration of mobile subscriptions and increased adoption of smartphones allowed the emergence of a wide range of services such as mobile wallets, mobile money transfer, mobile POS. In most cases, they rely on contactless technologies. Despite a steep market ramp-up, mobile services architectures and ecosystems still require improvement to achieve full interoperability, best performance of various devices from different manufacturers in very diverse applications. And the end-user approval is the key factor to commercial success. Insights and best practices for successful rollouts.
Day 1
09 Nov 2016
Swantje Missfeldt

Cashless is Contactless – and Mobile! – How Open is Low Level Testing?

  • Mobile payment is a core driver for cashless checkout – why is compliance on the physical level still a challenge?
  • Telecommunication and payment worlds have converged ‐ but have the test standards done so?
  • How does varying contactless testing from NFC Forum, EMVCo and GSMA impact both worlds?
Danish Naeem

Securing the QoS of Mobile Payments

  • Insights into leading & established mobile payments systems
  • QoS as a new key differentiator of mobile payment systems
  • Cross industry and multinational payment insights
  • Leading QoS & QoE analysis and solutions & case studies
Oleksii Iavorskyi

Bank4U Tax Free

Brian Roeten

CopSonic – A New Standard for Contactless Payments by Ultrasounds

  • A complement or alternative to NFC/Bluetooth for lots of use cases
  • An SDK to enable the integration of the solution into the existing applications of our partners
  • The first use case to go public end 2016: SwipeSonic, universal solution for online payment

PSD2 – Part 2 & Panel
Session Chair: Pierre Combelles, Head of Mobile Commerce, GSMA
Day 1
09 Nov 2016
Pierre Combelles

Mobile Operators and PSD2: Any connections?

  • impact and challenges of PSD2:
    • Fostering innovation for many industries – not just finance
    • Need to build a secure ecosystem at scale
  • why are operators interested
    • For their own services
    • To offer new services
    • To enable PISP/AISPs
Pierre Combelles
Dennis Raabe
Pascale-Marie Brien
Cyril Dougier
Christian von Hammel-Bonten

PANEL: How to make Europe a showcase for payment systems?

1.00 – 2.00pm: Lunch – Networking | 2.00 – 4.30pm: Break-out Sessions

Real Time Payment Opportunities
The increasingly digital customer pushes innovation towards how money moves. The first wave of mobile money transfer is now amplified by fintech P2P payment solutions. Yet, debiting one bank account and crediting another often takes longer than the physical movement of the goods. Real-time payments are seen as the next step forward and systems and infrastructures are being planned or already rolled out in more and more countries, about 30 today. These new instant payment schemes remain within relatively consolidated banking markets as it involves close cooperation between the stakeholders. What are the lessons from the implementation of real-time payment systems around the world and how long is the road ahead?
Day 1
09 Nov 2016
Elie Lasker

KEYNOTE Making Instant Payments Work

The financial industry has witnessed a flurry of instant payments initiatives taking off over the last 1-2 years.  Whilst banks recognize there is no  short-term financial return on investment to implement instant payments, we now see a number of  financial communities embarking on such large scale projects.
What is driving these initiatives?
What are the ingredients for success?
How can value be created in the longer run?
During this session we will try to address these important questions with the participation of distinguished industry experts.
Begoña Blanco Sánchez
Elie Lasker
Pierre Noizat

PANEL: Will instant payments revolutionize the payments market?

Real-time or “instant” payments are seen as the next step forward as for how money moves. Whilst banks recognize there is no short-term financial return on investment to implement instant payments, we now see a number of financial communities embarking on such large scale projects in over 30 countries today. During this panel, experts from the financial industry will assess the real potential of instant payments:
  • What are the success factors that can drive adoption? What can we learn from other real-time payment systems around the world?
  • Given the short-term absence of business case for banks, what can be done to alleviate the initial “pain” and how could banks capture value in the longer term
  • Potential and ramifications of the “PSD2+instant payments” cocktail
  • Achieving a true Pan-European solution for instant payments, what are the key challenges? Can we guarantee instant finality when crossing borders?
  • Instant cross-border payments, is this too far fetched? How far?

Blockchain & Distributed Ledger Beyond the Hype
Still in a proof-of-concept stage, the Blockchain technology has the potential to re-shape the payments market. Its key features – transparency, decentralization and security– hold promises to improve the efficiency of financial transactions and transform the global financial network. In addition to decentralised virtual currencies –Bitcoins and others–, the extension of distributed ledgers to various digital assets such as bonds or loans are also very promising. What are the core technologies involved and how can they bring real value to financial organizations? What are the actual current initiatives in this field? Who will drive the collaboration and standardisation? Through insights and case studies this session will explore the real value to expect from Blockchain and outline scenarios for the coming years.
Day 1
09 Nov 2016
Jon Matonis

KEYNOTE Understanding the Blockchain

Jon Matonis
Pierre Noizat
Arnaud Le Hors
Koen Vingerhoets
Jean Wallemacq

PANEL: The Blockchain Revolution – Separating Hype from Reality

  • What is blockchain and why is it important? Discussion around the concept of distributed ledgers
  • How do distributed ledgers support Bitcoin and virtual currencies in general?
  • Is it all hype? When will we see real world applications?
  • Will distributed ledgers / blockchain technologies create a new kind of "distributed autonomous organisations" – smart entities that govern themselves?
  • Security around distributed ledger based systems
End of the conference 4.30pm