2013 Agenda Preview
The 21st Annual ATM, Debit & Prepaid Forum is your trusted destination for cutting-edge, focused content on debit and prepaid cards; mobile and emerging payments; and innovations in ATM and self-service delivery. The 2013 agenda is shaping up to the best year yet.
Youll experience four days of enlightening discussions at the industrys premier retail payments conference. You'll gain insights that will have real-world applications for years to come. Heres just a sneak peak of what you can expect.
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Workshops are classroom style sessions, designed to provide attendees with a deep dive into topics, and an opportunity to have their challenges addressed in an interactive format.
Separate registration is required for workshops. Seating is limited. You must specify the workshops you plan to attend.
Conference Check-in and Registration Opens
2:00 PM - 4:00 PM
Launching a Prepaid Program: Weighing the Risks and Rewards
Regulatory changes and actions have had a noticeable chilling effect on the traditional program manager/BIN sponsorship card issuance model. Prepaid card processors and program managers are frustrated by their inability to find BIN sponsors for new card programs. The lack of BIN sponsors in the US is now at a crisis level.
Philliou Partners recently met with regulators, issuers and program managers about this crisis yielding a detailed understanding of what is required to be a BIN sponsor in this new environment.
During this workshop you'll understand the new requirements and procedures for BIN sponsorship and address the redefined role of a BIN sponsor; and focus on operational, financial and regulatory requirements.
Phil Philliou, Partner, Philliou Partners, LLC
Melissa Lavery, Senior Director, Product Marketing and Strategy, Philliou Partners, LLC
Legislative and Regulatory Developments in Payments: A 2013 Review and 2014 Preview
The legislative and regulatory landscape surrounding payments is in a state of flux as lawmakers grapple with privacy concerns, risk concerns and rapidly-advancing technology. This year is shaping up to be a pivotal year; learn what transpired so far in 2013 and what remains on the agenda as Congress tackles these issues as they simultaneously ready for next year's mid-term elections.
This session will examine Interchange/Regulation II, Consumer Financial Protection Bureau possible regulations on overdraft protection and extending Regulation E protection to general use prepaid cards, FFIEC guidance on social media, Do Not Track and geo-location legislation, mobile payments and big data.
Dennis Ambach, Government Relations Liaison, Early Warning
Kim Ford, VP Public Affairs, First Data
4:00 PM 6:00 PM
Crypto-what!? What You Need to Know About the Digital Economy and Social Media Payments
The rise of social media and the e-commerce market has led to the birth of the digital economy and massive changes in the payments arena. From Bitcoin to Amazon Coins to Ripple, players big and small are entering the digital and social media space, each vying for a piece of the lucrative payments pie. While some traditional financial services providers and payments companies have already entered the market, many still view the digital economy with a combination of confusion and skepticism.
You'll gain a better understanding of the digital economy, payment trends and virtual currencies, and a profile of the consumers who make social media payments. You'll learn about the real world value and real world threats of this budding industry.
Aleia Van Dyke, Payments Analyst, Javelin Strategy & Research
PCI Compliance: Maintaining the Security of your Customer's Payments Data
The Payment Card Industry (PCI) has established a set of standards to maintain the security of payment card information across the value chain, from merchant/ATM to processor to issuer. You'll hear about the practical requirements for banks and processors and recommendations for organizations in order to safeguard payment data.
This workshop will cover the essentials of PCI compliance including how standards are enforced, the consequences if compliance isnt met, enforcement and recommendations for all entities in the payments chain.
Troy Leach, CTO, PCI Council
Payments Innovation Day
The PiD demonstration showcase will feature cutting-edge solutions driving innovation in payments. Youll see demonstrations in quick-fire format from dozens of up-and-coming companies, giving you the scoop on potential game changers in payments.
Its a great compliment to the line-up of sessions during the rest of the conference, providing you with exposure to the broadest range of companies and people in payments today.
Conference Keynote Sessions Including:
CO-OP Network - Jim Hanisch, EVP
MasterCard - Leland Englebardt, Group Head, Global Network Products
NYCE - Neil Marcous, President
PULSE - Dave Schneider, President
Star - Pete Korpady, General Manager
Visa - Bob Whyte, Head of Consumer Debit Products, North America
Conference Keynotes and Breakout sessions
General sessions include:
Delivering an Enhanced ATM Customer Experience
Jonathan Velline, EVP, Wells Fargo
Debit Leaders Panel
Ben Stewart, Head of Debit, Bank of America
Cecilia Frew, SVP, Head of Debit and Prepaid, PNC
Ed Kadletz, EVP, Head of Debit & Prepaid, Wells Fargo
ACH: Friend or Foe?
Jan Estep, President & CEO, NACHA The Electronic Payments Association
Leaders in Prepaid Panel
Alpesh Chokshi, President of Global Payment Options, American Express
Jon Wilk, Head of Product & Marketing Consumer Bank, Chase
Steve Streit, CEO, Green Dot
Industry Outlook - Investment Analysts Panel
Glenn Fodor, Partner/Research Analyst - Payments & Processors, Autonomous Research
Ashwin Shirvaikar, Director, Computer Services & IT Consulting, Citi
Tim Willi, Managing Director, Wells Fargo Securities
Breakout sessions run across four concurrent tracks:
Prepaid: Positioning Banks to Succeed in Prepaid
Debit: Adjusting to the New Normal
ATM: Customer Experience Innovations and Enhancements
Mobile: Developments in Mobile Wallets and Payments
Sessions include keen analysis of annual surveys youve come to know and trust, including:
The Annual Debit Issuer Study
The Debit Issuer Study is the most comprehensive benchmarking study of debit issuers in the U.S. The 2013 study draws its insights from interviews with and data from 64 debit issuers, who collectively issue more than 140 million debit cards and represent 45 percent of U.S. debit transactions. Two topics will be the focus of this session the new normal associated with debit post-Durbin, and adjacent developments that are affecting debit. On the first topic, presenters will review what issuers are doing to adjust to life post-Durbin. Are issuers still as focused on debit? How are the key performance metrics such as penetration, activation and usage holding up? What are issuers doing about rewards? On the second topic, presenters will review developments in prepaid, EMV and mobile payments. Are any exciting developments in these areas likely to sustain themselves? To what degree are issuers planning to invest in, or support these developments?
Judith McGuire, SVP, PULSE
Inderpreet Batra, Partner, Oliver Wyman
The Economics of Prepaid
Economics have significantly altered the shape of the prepaid market. Only two independent GPR program managers with significant volume remain, with other large prepaid programs either vertically integrated or now a division of a larger enterprise. This session will utilize results from a pro forma analysis of a Prepaid Financial Services portfolio to identify the economics and demonstrate the challenges confronting independent program managers, banks and credit unions entering the prepaid market.
Tim Sloane, VP Client Services / Director, Prepaid Advisory Service
Inside the U.S. Credit/Debit Dynamic: Exploring Shifts in Consumer Spending and Saving Behavior
The United States continues to witness sustained growth in payment card volumes despite a stop-and-start recovery. This growth is due to smarter spending and saving by consumers, evolving strategies on the part of financial institutions and merchants, and continued migration to electronic media at the expense of cash and checks. MasterCards latest research on consumer spending and saving trends shows that, while there was some shift from debit to credit card usage at the height of the recession, the pendulum began to swing back towards increased debit usage in 2012. Viewing consumers by segments is essential to understanding this behavior. Those who have managed to maintain their income, accumulate savings, and pay down a significant amount of debt are now looking for ways to conserve their savings, get more value out of spending, and achieve higher returns on their liquid assets. Those who are still struggling to reduce debt while managing to save remain focused on digging outnot by cutting spending, but by optimizing the way they use available resources. MasterCard will discuss its latest research on consumers shifting behavior around spending, and saving and how its affecting the dynamic between credit and debit. Only by positioning their profitability measurement, product design, and marketing and segmentation in ways that capture these changes in consumer behavior can institutions and merchants remain profitable in the new reality.
Ted Iacobuzio, Vice President, Global Insights, MasterCard
Thought-provoking panel discussions highlight a variety of perspectives from banks and influential and innovative payment companies:
Is It Time We Start Thinking of Prepaid As Just Another Deposit Product?
Prepaid emerged with banks in third-party sponsorship roles behind program managers and marketing agents. As prepaid has becoming a mainstream financial product, the legacy of issues remaining from the third-party sponsor model have left concerns about prepaid among financial institutions. Some institutions shy away from the product altogether; others are content to limit their participation to a reseller role.
This session will start with a presentation exploring the fundamental differences between prepaid under the old model vs. prepaid as a new bank deposit product. It will highlight the market and revenue opportunity for selling prepaid to bank customers, as well as the impact on customer relationships. It will explore the operational and compliance responsibilities of prepaid compared with other deposit products. This panel of community and regional bankers will relay the decision factors that led their institutions into prepaid, and share their experiences now that they have incorporated prepaid into their deposit product line.
Cathy Corby Parker, Chief Revenue Officer, Transcard
Jane Haskin, President & CEO, First Bethany Bank & Trust
Scott Bivens, VP Electronic Payments, City Bank Texas
Travis D. Colquett, CRCM, VP/Compliance Officer, First Citizens Bank
How Prepaid Innovation is Driving Future Advances in Financial Services
Innovations in prepaid are driving expansion in financial inclusion and creating a new payments infrastructure that will ultimately bring the benefits of security, speed, simplicity and fee transparency to all consumers, not just the underbanked. This group of panelists, representing the heads of companies driving such innovations as remote servicing, instant money movement, mobile acceptance and electronification of bill payments will discuss how the emergence of new technologies and services are accelerating the growth of prepaid and driving the payment industry forward.
Lisa McFarlane, Visa, Inc.
Drew Edwards, CEO, InGo Money
Youri Bebic, General Manager, NFC Prepaid Services, Device Fidelity
Hamed Shahbazi, Founder, TIO Networks Corp
Dave Alvarez, CEO, NEXXO
Prepaid Matures as an Industry Whats in it for you?
Do you wonder what you're missing, asking yourself, whats in it for me, when it comes to prepaid? Prepaid has become increasingly mainstream, and is broadening into specific markets with enhanced product offerings. This creates the possibility of longer-term, more profitable customers, and cements the value of prepaid for both traditional financial services firms as well as early stage innovators. Hear from this panel on the evolving value of prepaid as the market matures, and how it will continue to provide value as more traditional financial services companies offer prepaid.
Kirsten Trusko, President and Executive Director, Network Branded Prepaid Card Association
Juli Spottiswood, President & CEO, Parago
Wendy Harp-Lewis, Chief Compliance Officer, InteliSpend
Katherine Yee, SVP, Prepaid Cards, Wells Fargo
Case study-based presentations demonstrate how banks are operating in the shifting payments landscape, as well as how innovation is playing out in the real world:
How Instant Issuance is Shaping Customer Service
Within the past few years, card payments have increased significantly, replacing cash as the go-to method for consumers' transactions. However, the inconvenience of a lost or stolen card far outweighs the convenience of using the card itself. Traditionally, a new or replacement card can take up to two weeks to deliver - resulting in dissatisfaction for the cardholder and a loss for the financial institution. For financial institutions, the ability to instantly issue cards is a crucial differentiator, transforming the branch into a super customer service center by providing cards within seconds - not weeks. More than 75 percent of cards issued instantly are used within the first eight hours, preventing a lapse in service and increasing revenue generation. Hear how instantly issuing cards establishes your institution as superior in providing convenient, responsive service, as well as:
Improve cardholder satisfaction and loyalty
Increase activation rates
Maximize interchange revenue
Bill Dinker, President, EFT Source
Jeremy Miller, Regional VP, Western Central Region, Centier Bank
Disputes and Chargebacks - Bringing The Risk Down?
Its easier than ever for customers to dispute transactions. Given this new dymanic, issuers must be prepared to resolve transactions quickly before they miss critical turnaround parameters. Presenters share best practices so you can learn how to reduce operating timeframes, internal handling expense and manage account workflows.
Paul McMeekin, Senior Product Marketing Manager, ACI
Andrew Paur, EVP & Corporate Operations Officer, Woodforest National Bank
Cracking the Conversion: Best Practices in Switching Debit Processors
Changing processors is challenging and can be disruptive to customers, which is why its not something banks do regularly. But, with the Durbin Amendment implementation dates approaching, KeyBank knew that it was time for a change. The bank reviewed all of its ATM and debit network and processing agreements, and decided to consolidate its debit business with fewer partners to bring more capabilities and better service to its customers, as well as improve its operating costs.
In this session, KeyBank and MasterCard IPS will discuss how they approached the conversion, best practices discovered through the conversion process, and share some lessons learned for other financial institutions that may be considering changing networks or processors.
Kelli Jones, VP, MasterCard IPS
Dave Sanderson, VP, Debit Card Manager, Key Bank