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With more than 18 senior level local and international industry speakers, covering consumer behaviour, case studies from major banks and an insight into credit, debit, loyalty and ID cards, this forum is going to be an unparalleled source of information on the card markets in the Nordic region.

A unique opportunity to learn from leading industry experts including:

  • Rolf Myrhage, Head of Cards, Nordea
  • Jan-Olof Brunila, Director, Strategic Development, Swedbank - FöreningsSparbanken
  • Carlos Rodriguez, General Manager, Nordic Countries, MasterCard Europe
  • Jean Allix, Principal Administrator, European Commission – DG Internal Market
  • Kajsa Rahlén, Research Director & Erik Lindmark, Senior Research Executive, Research International
  • Peter Clason, Vice President, Managing Director, Head of ICSS Nordic, American Express Services Europe
  • Jorgen Bo Andersen, Senior Vice President, Danske Bank
  • Bo Madsen, Division Manager, Danish Bankers Association
  • Thomas Strid, Product Manager, SAS Corporate Card, Scandinavian Airlines System (SAS)
  • Zanda Brivule, Managing Director, BankServiss, Latvia

    Benefits of attending:
    REGIONAL CASE STUDIES: learn from leading industry experts from Sweden, Denmark, Norway, Finland and Latvia
    CONSUMER BEHAVIOUR: understand what the customer really wants and how effective loyalty schemes are
    CROSS BORDER PAYMENTS: gain an insight into the legal aspects from the European Commission
    EMV MIGRATION: identify the lessons learnt from EMV and what the future holds
    MOBILE PAYMENTS: is there room for collaboration between banks and operators in the mobile payments market?
    MEET AND NETWORK with industry leaders in the cards market

  • Conference programme

    8:30 Registration and Coffee

    9:00 Chairman's Opening Remarks

    Markus Edstrom

    Markus Edstrom, Card Managing Director, Swedbank

    9:10 SCANDINAVIAN CARD MARKETS

    Carlos Rodriguez

    Carlos Rodriguez, General Manager, Nordic Countries, MasterCard Europe

  • Current market trends and developments
  • Innovative strategies for the card market
  • Regulations of payment card schemes
  • Future shape of market opportunities
  • 9:40 AN UPDATE OF THE SWEDISH CARD MARKET

    Jan-Olof Brunila

    Jan-Olof Brunila, Director, Strategic Development, Swedbank - FöreningsSparbanken)

  • Overview of the Swedish card market
  • Innovation in products and services
  • Consumer regulations
  • Key success factors
  • Future developments for the Swedish card market
  • 10:20 NORWEGIAN CARD MARKET

    Marianne Meese

    Marianne Meese, Director, Product Development, Teller

  • Assessing the growth opportunities in the Norwegian card market
  • Innovative strategies in the Norwegian card market
  • Current trends within the market
  • Future opportunities in Norway
  • 11:00 Morning Coffee

    11:20 AN OVERVIEW OF THE DANISH CARD MARKET

    Jorgen Bo Andersen

    Jorgen Bo Andersen, Senior Vice President, Danske Bank

  • Danish cards market trend
  • Exploring challenges and limitations for card issuers within the Scandinavian card markets
  • Assessing the growth opportunities in Denmark
  • New technologies in the card market
  • Future opportunities for card issuers in the Danish market
  • Overcoming challenges and obstacles
  • 12:00 PANEL DISCUSSION

    Markus Edstrom

    Markus Edstrom, Card Managing Director, Swedbank

    Carlos Rodriguez

    Carlos Rodriguez, General Manager, Nordic Countries, MasterCard Europe

    Kajsa Rahlén

    Kajsa Rahlén, Research Director , Research International

    Erik Lindmark

    Erik Lindmark, Senior Research Executive, Research International

    Peter Clason

    Peter Clason, Vice President, Managing Director, Head of ICSS Nordic, American Express Services Europe

    12:40 Networking Lunch

    13:40 CONSUMER TRENDS AND BEHAVIOUR

    Mikael Paltschik

    Mikael Paltschik, CEO & Erik Lindmark, Senior Research Executive, Research International

  • Current consumer trend towards paying without cash in Sweden
  • Market shares
  • Usage frequencies
  • Descriptions of heavy users of different card types
  • Changes of the three above during the last year
  • How do you get better consumer understanding?
  • 14:20 CUSTOMER LOYALTY: A BATTLEGROUND FOR THE FUTURE

    Peter Clason

    Peter Clason, Vice President, Managing Director, Head of ICSS Nordic, American Express Services Europe

  • Delivering the right product to the right customer at the right time
  • The role of customers rewards
  • The need to build a ‘relationship’
  • Measuring success
  • 15:00 AIRLINE CARDS

  • Key success factors
  • The latest developments in airline cards
  • Overcoming challenges and difficulties
  • Looking to the future
  • Thomas Strid

    Thomas Strid, Product Manager, SAS Corporate Card, Scandinavian Airlines System (SAS)

    15:40 Afternoon Tea

    16:00 MOBILE PAYMENTS

    Lars Frösslund

    Lars Frösslund, Senior Manager, Payments, TietoEnator Financial Solutions

  • Trends and developments within mobile payments
  • Early wins and proof of concept for mobile payments?
  • Threat or opportunity for banks?
  • Why is it important anyway?
  • Cards vs. mobile payments: co-existence or collaboration?
  • 16:40 MERCHANT OUTSOURCING

    Willie Byrne

    Willie Byrne, Head of Sales & Marketing, euroConex

  • Preferred solution of international clients – drivers
  • Global trends and Nordic markets within Europe
  • Focus on the core business - best of both worlds
  • Strategic options
  • Rational for alliances and partnerships
  • Potential opportunities and shareholder benefits
    Alternatives
  • 17:20 Chairman’s Closing Remarks and Close of Day One

    8:30 Re-registration and Coffee

    9:00 Chairperson's Opening Remarks

    Zanda Brivule

    Zanda Brivule, Managing Director, BankServiss, Latvia

    9:10 LEGAL ASPECTS IN CROSS BORDER PAYMENTS

    Jean Allix

    Jean Allix, Principal Administrator, European Commission – DG Internal Market

  • Creating the Single Payment Area
  • What future for retail payments?
  • Regulatory issues: a new legal framework
  • 9:40 CARD MARKET CHANGES

    Rolf Myrhage

    Rolf Myrhage, Head of Cards, Nordea

  • Market updates
  • What’s going to happen?
  • Larger banks
  • Processors
  • Small banks
  • 10:20 THE DANISH CARD MARKET

    Bo Madsen

    Bo Madsen, Division Manager, Danish Bankers Association

  • Legal problems – changes in the Danish Payments Cards Act
  • Situation before 1st January 2005 and after
  • Consumer regulation
  • 11:00 Morning Coffee

    11:20 LATVIAN CARD MARKET

    Zanda Brivule

    Zanda Brivule, Managing Director, BankServiss, Latvia

  • Latvian market overview and development
  • The need for cost efficient processing
  • BankServiss as a service provider in Latvia
  • Future outlook – Latvia – Baltics - Nordic
  • New services
  • 12:00 RISKS IN THE NORWEGIAN CARD MARKETS

    Eirik Harildstad

    Eirik Harildstad, Product Manager, Union Bank of Norway

  • Overall features
  • Different sorts of fraud
  • Experience with PIN and POS
  • Methods to minimise the risk
  • EMV: pros and cons
  • 12:40 Networking Lunch

    13:40 E-COMMERCE & FRAUD SECURITY

    Henning Gravklev

    Henning Gravklev, Vice President, SECANA Services, Europay Norge

  • An overview of the current e-commerce and fraud security
  • Significant breakthroughs and developments
  • Security issues within the Scandinavian card markets
  • Setting spending limits and restriction
  • Providing a secure transaction
  • Future directions and opportunities
  • 14:20 EMV MIGRATION – CONSUMER IMPACT AND INFRASTRUCTURE REQUIREMENTS

    Torben Ellgaard

    Torben Ellgaard, Manager, Payment Solutions & Strategy, Sagem Denmark

  • EMV infrastructure requirements and opportunities for new services
  • New infrastructure requirements
  • Cross border solutions
  • The Danish experience
  • Security aspects for today and tomorrow
  • EMV security aspects
    The move towards PIN based solutions
  • 15:00 EMV IMPLEMENTATION

    Thomas Strid

    Thomas Strid, Product Manager, SAS Corporate Card, Scandinavian Airlines System (SAS)

  • Decisions
  • Choices
  • Implementation
  • Logistics
  • From pilot to volume
  • 15:40 Afternoon Tea

    16:00 EMV MIGRATION

    Paul Gribbon

    Paul Gribbon, Solutions Consultant, Logica CMG

  • Current situation
  • Issues in Finland
  • Overview of the EMV migration
  • Next steps for the country
  • Lessons learnt
  • Options for other institutions
  • 16:40 EMV CARD ISSUANCE SERVICES

    Timo Rinne

    Timo Rinne, Project Manager, Setec

  • EMV card issuance service components
  • Different service scenarios
  • Defining own level of activity
  • Case studies: full service package vs. in-house operations
  • 17:20 Chairperson's Closing Remarks and Close of Conference

    +

    Workshops

    Case for Outsourcing
    Workshop

    Case for Outsourcing

    Berns Hotel
    23 January 2004
    Stockholm, Sweden

    Berns Hotel

    Berzelii Park
    Nackstromsgatan 8
    PO Box 16340
    Stockholm SE-103 27
    Sweden

    Berns Hotel

    HOTEL BOOKING FORM

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    WHAT IS CPD?

    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.

    CPD AND PROFESSIONAL INSTITUTES

    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.

    TYPICAL CPD SCHEMES AND RECORDING OF CPD (CPD points and hours)

    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SAE Media Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.

    GLOBAL CPD

    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@saemediagroup.com

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