2019 Agenda

All Days
Tuesday, May 21
8:00 a.m. - 1:00 p.m.
1:00 p.m.
Main Conference Begins
1:00 p.m. - 1:05 p.m.
1:05 p.m. - 1:35 p.m.
State of the Card Industry: What Does Today’s U.S. Credit Market Mean For Your Card Strategy?
1:35 p.m. - 2:20 p.m.
Credit Issue Disruption: How the New Credit Lending Ecosystem is Changing to Meet Consumer Demand
Banks and fintechs are in battle at the point of sale. As fintechs and partnerships rapidly change the POS lending landscape, bank executives have an opportunity to defend their market share and cater to the needs of today’s consumers. Don’t miss this session from HSBC and Avant that offers insight around creative partnerships to offer unsecured loans to new and existing customers.
2:20 p.m. - 3:00 p.m.
Afternoon Networking & Refreshment Break
3:00 p.m. - 3:30 p.m.
Credit Union Summit
Customer Behavior & Experience
The Changing Dynamics of Consumer Behavior And Performance In The Card Market
Consumer behavior is more dynamic than ever with changing preferences, healthy credit demand and greater access. It is crucial for card issuers to understand how cardmembers perform on cards issued by different issuers serving this market. While national card issuers dominate overall market share, regional banks are focused on winning a larger wallet share of cardmembers they serve within their footprint. Credit unions have begun to prioritize value proposition to monetize on loyalty within their membership base. And, finance companies continue to gain momentum from serving higher-risk consumer segments, who need credit.
Innovation in Cards & Payments
3:30 p.m. - 4:15 p.m.
Credit Union Summit
Top Ten Opportunities to Maximize Member Experience and Optimize Financial Performance
Does your card program seem stagnant? Do you know what questions to ask? In this presentation, we will help:
Innovation in Cards & Payments
The Challenges and Opportunities of Migrating to a Next Generation Platform
Fintech is providing new options for the banking and payments community, including the card issuing business. New (and even some legacy) providers are offering cloud-based platforms that utilize agile processing with a rich set of APIs. These new platforms promise increased flexibility and agility to quickly and cost-effectively deploy highly differentiated, feature-rich credit, debit, and prepaid programs. We will discuss how to ensure the opportunities offered by these next generation platforms are realized as well as address the key challenges with partnering legacy organizations with new fintech providers.
4:15 p.m. - 4:45 p.m.
Credit Union Summit
Creative Ways To Use Data Analytics To Grow Spend And Engagement
If you had a dollar for every time you heard someone say “We’re using data to grow our portfolio,” you’d be retired in your beachfront property. Everyone is using big data – however, many are spending money and getting little profit in return because they’re either ascending the learning curve or they’ve avoided an overwhelming challenge – getting a grip on big data analytics.
Customer Behavior & Experience
Driving New Opportunities For Voice Technology and Overcoming Adoption Challenges
Payments innovations have given every connected device the potential to become a platform for commerce, and consumers are increasingly using new technologies like smart speakers to shop on their terms. To avoid being a passing fad, it’s critical that advancements like voice technology be deployed thoughtfully. In this session, we’ll explore how to drive v-commerce adoption and continued use by strategically anticipating consumer needs and pain points. We’ll discuss:What devices are ripe for voice technology, such as carsWhat consumers will look for next to increase ease, connectivity and efficiencyHow to tailor new technologies to ensure they fit naturally into consumers lives
Innovation in Cards & Payments
Rethinking Distribution Channels for Card-Based Financial Products
When the first prepaid card appeared in-store on a J-hook, it was a revelation in card distribution. For the first time, obtaining a payment card was—from the consumer’s point of view—decoupled from a bank or a credit card company. Today, gift card malls are everywhere and represent a multi-billion-dollar business in the U.S.
4:45 p.m. - 5:30 p.m.
Innovation in Cards & Payments
Innovation for the Battlefield: Stopping Digital Application Fraud in Its Tracks
As issuers and merchants enjoyed the benefits of declining rates of counterfeit card fraud, criminals shifted their focus. Today, digital channels are under siege and application fraud is at record highs.
5:30 p.m. - 6:30 p.m.
Opening Reception
Wednesday, May 22
7:45 a.m.
Breakfast & Networking in the Expo Hall
8:45 a.m. - 9:15 a.m.
The Future of Credit Cards & Payments
Digital First, Security Foremost: When it comes to digital commerce and engagement, consumers want it easy but secure. From cards to identity consumers are demanding a safer way to store and use their details without being bogged down in a process that is overly complicated or takes too long to accomplish. This is leading to a whole new world of products and services that aims at building trust.
10:00 a.m. - 10:30 a.m.
Networking Break
10:30 a.m. - 11:15 a.m.
Card & Payments Innovators: Demo Sessions
View the 2019 Demos
12:45 p.m. - 1:45 p.m.
Industry Innovation Lunch - Drive Financial Performance Through Emotional Loyalty
Marketers ultimately want to create relationships with their customers that result in spending more money with their brands. 
Sponsored by
Industry Innovation Lunch - The State of Alternative Credit Data
Over the past few years alternative data has emerged as a critical best practice for card issuers – offering a more complete picture of consumer credit-worthiness, and with that an opportunity to fine tune competitive lending strategies.
Sponsored by
1:45 p.m. - 2:15 p.m.
Dessert & Networking in the Expo Hall
2:15 p.m. - 2:45 p.m.
Authentication, Card Security & Fraud
Identifying & Preventing Account Takeover Fraud
Funds theft. Targeted email attacks. A data breach. Just a few of the consequences of an account takeover (ATO), where a fraudster steals an organization’s or individual’s account credentials. In this session, Mike Kelley of SunTrust Bank will discuss best practices to identify and mitigate ATO fraud.
Loyalty & Rewards
AI and Analytics: Reimagining Loyalty Programs
The competition to become consumers’ top of wallet card has never been more heated. In this session we share insights on the critical factors influencing the U.S. consumer’s payment choices; and explore the application of AI, big data and personalization to deepen engagement. We learn how to design benefits and redeeming experiences that tap into our customer’s natural instincts for competition, simplicity and curiosity.
2:45 p.m. - 3:30 p.m.
Authentication, Card Security & Fraud
Tokenization and the Evolution of eCommerce
As digital wallets start to gain traction in eCommerce, the introduction of new standards such as tokenization, secure remote commerce, and the W3C Payment Request API continue to change the playing field. In this session hear how the industry views these new initiatives and their impact on the eCommerce customer experience.
3:30 p.m. - 4:00 p.m.
Dessert & Networking in the Expo Hall
4:00 p.m. - 4:30 p.m.
Authentication, Card Security & Fraud
The Hidden Cost of Card Purchase Limits
For nearly ten years, interchange fees have been the lifeblood of noninterest income for banks below the $10 billion Durbin threshold. At the same time, card fraud has been a stubborn threat that siphons off interchange income.
Innovation in Cards & Payments
Integrating Real Time Payments Into Your Payment Strategy
With new payment methods comes uncertainty in how to integrate the new payment channels in ways that lead to higher consumer adoption and profitability. During this session you learn:
Loyalty & Rewards
Building a Card With Rewards Points to Support Small Businesses
Oftentimes, banks launch “new” card products designed for small businesses by making only slight adjustments to consumer card programs and providing a new name, rather than building a card offering with a rewards program focused on small businesses’ needs from scratch. Co-collaboration sessions and focus groups involving small business owners are valuable tools to understanding their preferences. This session will address the keys to offering small business owners a rewards program that they truly value.
5:15 p.m. - 6:45 p.m.
Card Forum 2019 Cocktail Reception
Thursday, May 23
7:30 a.m. - 8:30 a.m.
Breakfast & Networking in the Expo Hall
8:30 a.m. - 9:00 a.m.
Innovation in Cards & Payments
Examining Consumer Behaviors & The Effectiveness of Changes to Credit Lines
9:00 a.m. - 9:45 a.m.
Innovation in Cards & Payments
The Turf War For Payments Use Cases
This panel discussion will contrast the ways cards have extended beyond C2B (e.g. push-to-card in P2P. corporate disbursements. etc) and the ways other payment methods are threatening their hold on the merchant space (e.g. Zelle for Small Biz, RTP at the POS, etc). This session will provide viewpoints on where cards and other payment methods will evolve over the next 5 years. Focal areas for this discussion will be economics, form factor, consumer trends and expectations.
9:45 a.m. - 10:15 a.m.
Morning Coffee & Networking in the Exhibit Hall
10:15 a.m. - 10:45 a.m.
Lessons Learned From Wells Fargo’s R&D Garage
Banks have built great relationships with consumers, but cannot take those relationships for granted. At the same time, new technologies are changing the way that consumers pay and perceive benefits. To remain relevant, banks must harness technology to give customers more control, more choice, and more value. Learn how banks like Wells Fargo are taking this to heart and innovating in places that matter to customers.
10:45 a.m. - 11:30 a.m.
What Comes After Plastic?
11:30 a.m. - 12:00 p.m.
12:45 p.m.
Card Forum 2019 Concludes
Tuesday, May 21
8:00 a.m. - 1:00 p.m.
1:00 p.m.
Main Conference Begins
1:00 p.m. - 1:05 p.m.
1:05 p.m. - 1:35 p.m.
State of the Card Industry: What Does Today’s U.S. Credit Market Mean For Your Card Strategy?
1:35 p.m. - 2:20 p.m.
Credit Issue Disruption: How the New Credit Lending Ecosystem is Changing to Meet Consumer Demand
Banks and fintechs are in battle at the point of sale. As fintechs and partnerships rapidly change the POS lending landscape, bank executives have an opportunity to defend their market share and cater to the needs of today’s consumers. Don’t miss this session from HSBC and Avant that offers insight around creative partnerships to offer unsecured loans to new and existing customers.
2:20 p.m. - 3:00 p.m.
Afternoon Networking & Refreshment Break
3:00 p.m. - 3:30 p.m.
Credit Union Summit
Customer Behavior & Experience
The Changing Dynamics of Consumer Behavior And Performance In The Card Market
Consumer behavior is more dynamic than ever with changing preferences, healthy credit demand and greater access. It is crucial for card issuers to understand how cardmembers perform on cards issued by different issuers serving this market. While national card issuers dominate overall market share, regional banks are focused on winning a larger wallet share of cardmembers they serve within their footprint. Credit unions have begun to prioritize value proposition to monetize on loyalty within their membership base. And, finance companies continue to gain momentum from serving higher-risk consumer segments, who need credit.
Innovation in Cards & Payments
3:30 p.m. - 4:15 p.m.
Credit Union Summit
Top Ten Opportunities to Maximize Member Experience and Optimize Financial Performance
Does your card program seem stagnant? Do you know what questions to ask? In this presentation, we will help:
Innovation in Cards & Payments
The Challenges and Opportunities of Migrating to a Next Generation Platform
Fintech is providing new options for the banking and payments community, including the card issuing business. New (and even some legacy) providers are offering cloud-based platforms that utilize agile processing with a rich set of APIs. These new platforms promise increased flexibility and agility to quickly and cost-effectively deploy highly differentiated, feature-rich credit, debit, and prepaid programs. We will discuss how to ensure the opportunities offered by these next generation platforms are realized as well as address the key challenges with partnering legacy organizations with new fintech providers.
4:15 p.m. - 4:45 p.m.
Credit Union Summit
Creative Ways To Use Data Analytics To Grow Spend And Engagement
If you had a dollar for every time you heard someone say “We’re using data to grow our portfolio,” you’d be retired in your beachfront property. Everyone is using big data – however, many are spending money and getting little profit in return because they’re either ascending the learning curve or they’ve avoided an overwhelming challenge – getting a grip on big data analytics.
Customer Behavior & Experience
Driving New Opportunities For Voice Technology and Overcoming Adoption Challenges
Payments innovations have given every connected device the potential to become a platform for commerce, and consumers are increasingly using new technologies like smart speakers to shop on their terms. To avoid being a passing fad, it’s critical that advancements like voice technology be deployed thoughtfully. In this session, we’ll explore how to drive v-commerce adoption and continued use by strategically anticipating consumer needs and pain points. We’ll discuss:What devices are ripe for voice technology, such as carsWhat consumers will look for next to increase ease, connectivity and efficiencyHow to tailor new technologies to ensure they fit naturally into consumers lives
Innovation in Cards & Payments
Rethinking Distribution Channels for Card-Based Financial Products
When the first prepaid card appeared in-store on a J-hook, it was a revelation in card distribution. For the first time, obtaining a payment card was—from the consumer’s point of view—decoupled from a bank or a credit card company. Today, gift card malls are everywhere and represent a multi-billion-dollar business in the U.S.
4:45 p.m. - 5:30 p.m.
Innovation in Cards & Payments
Innovation for the Battlefield: Stopping Digital Application Fraud in Its Tracks
As issuers and merchants enjoyed the benefits of declining rates of counterfeit card fraud, criminals shifted their focus. Today, digital channels are under siege and application fraud is at record highs.
5:30 p.m. - 6:30 p.m.
Opening Reception
Wednesday, May 22
7:45 a.m.
Breakfast & Networking in the Expo Hall
8:45 a.m. - 9:15 a.m.
The Future of Credit Cards & Payments
Digital First, Security Foremost: When it comes to digital commerce and engagement, consumers want it easy but secure. From cards to identity consumers are demanding a safer way to store and use their details without being bogged down in a process that is overly complicated or takes too long to accomplish. This is leading to a whole new world of products and services that aims at building trust.
10:00 a.m. - 10:30 a.m.
Networking Break
10:30 a.m. - 11:15 a.m.
Card & Payments Innovators: Demo Sessions
View the 2019 Demos
12:45 p.m. - 1:45 p.m.
Industry Innovation Lunch - Drive Financial Performance Through Emotional Loyalty
Marketers ultimately want to create relationships with their customers that result in spending more money with their brands. 
Sponsored by
Industry Innovation Lunch - The State of Alternative Credit Data
Over the past few years alternative data has emerged as a critical best practice for card issuers – offering a more complete picture of consumer credit-worthiness, and with that an opportunity to fine tune competitive lending strategies.
Sponsored by
1:45 p.m. - 2:15 p.m.
Dessert & Networking in the Expo Hall
2:15 p.m. - 2:45 p.m.
Authentication, Card Security & Fraud
Identifying & Preventing Account Takeover Fraud
Funds theft. Targeted email attacks. A data breach. Just a few of the consequences of an account takeover (ATO), where a fraudster steals an organization’s or individual’s account credentials. In this session, Mike Kelley of SunTrust Bank will discuss best practices to identify and mitigate ATO fraud.
Loyalty & Rewards
AI and Analytics: Reimagining Loyalty Programs
The competition to become consumers’ top of wallet card has never been more heated. In this session we share insights on the critical factors influencing the U.S. consumer’s payment choices; and explore the application of AI, big data and personalization to deepen engagement. We learn how to design benefits and redeeming experiences that tap into our customer’s natural instincts for competition, simplicity and curiosity.
2:45 p.m. - 3:30 p.m.
Authentication, Card Security & Fraud
Tokenization and the Evolution of eCommerce
As digital wallets start to gain traction in eCommerce, the introduction of new standards such as tokenization, secure remote commerce, and the W3C Payment Request API continue to change the playing field. In this session hear how the industry views these new initiatives and their impact on the eCommerce customer experience.
3:30 p.m. - 4:00 p.m.
Dessert & Networking in the Expo Hall
4:00 p.m. - 4:30 p.m.
Authentication, Card Security & Fraud
The Hidden Cost of Card Purchase Limits
For nearly ten years, interchange fees have been the lifeblood of noninterest income for banks below the $10 billion Durbin threshold. At the same time, card fraud has been a stubborn threat that siphons off interchange income.
Innovation in Cards & Payments
Integrating Real Time Payments Into Your Payment Strategy
With new payment methods comes uncertainty in how to integrate the new payment channels in ways that lead to higher consumer adoption and profitability. During this session you learn:
Loyalty & Rewards
Building a Card With Rewards Points to Support Small Businesses
Oftentimes, banks launch “new” card products designed for small businesses by making only slight adjustments to consumer card programs and providing a new name, rather than building a card offering with a rewards program focused on small businesses’ needs from scratch. Co-collaboration sessions and focus groups involving small business owners are valuable tools to understanding their preferences. This session will address the keys to offering small business owners a rewards program that they truly value.
5:15 p.m. - 6:45 p.m.
Card Forum 2019 Cocktail Reception
Thursday, May 23
7:30 a.m. - 8:30 a.m.
Breakfast & Networking in the Expo Hall
8:30 a.m. - 9:00 a.m.
Innovation in Cards & Payments
Examining Consumer Behaviors & The Effectiveness of Changes to Credit Lines
9:00 a.m. - 9:45 a.m.
Innovation in Cards & Payments
The Turf War For Payments Use Cases
This panel discussion will contrast the ways cards have extended beyond C2B (e.g. push-to-card in P2P. corporate disbursements. etc) and the ways other payment methods are threatening their hold on the merchant space (e.g. Zelle for Small Biz, RTP at the POS, etc). This session will provide viewpoints on where cards and other payment methods will evolve over the next 5 years. Focal areas for this discussion will be economics, form factor, consumer trends and expectations.
9:45 a.m. - 10:15 a.m.
Morning Coffee & Networking in the Exhibit Hall
10:15 a.m. - 10:45 a.m.
Lessons Learned From Wells Fargo’s R&D Garage
Banks have built great relationships with consumers, but cannot take those relationships for granted. At the same time, new technologies are changing the way that consumers pay and perceive benefits. To remain relevant, banks must harness technology to give customers more control, more choice, and more value. Learn how banks like Wells Fargo are taking this to heart and innovating in places that matter to customers.
10:45 a.m. - 11:30 a.m.
What Comes After Plastic?
11:30 a.m. - 12:00 p.m.
12:45 p.m.
Card Forum 2019 Concludes