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Cards Africa 2011 (itinerary)
- 1. Limited offer! Save up to R5370 per delegate ticket until 31 December 2010 Prices, packages and booking form on back page BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 Produced by: http://www.terrapinn.com/2011/cardsza The cash free generation is taking Africa by storm! Cards Africa, Prepaid Cards Africa and Mobile Money World Africa are partnering with Africa to usher in a whole new era in payments! page 6>> The prepaid card has made payments easier and faster! Learn from those who are making bank with payment innovation in Africa page 5>> Is the full potential of mobile money to reach the unbanked being realised? Discover how next generation mobile payment systems are leading to great profits page 8>> Africa Cards Payment innovation for banks, retailers and government Get smart Conference: 22 - 25 March 2011 Exhibition: 23 - 24 March 2011 Sandton Convention Centre, Johannesburg, South Africa Hear from Uchenna Okwodu Vice-President e-Business Bank PHB, Nigeria Nassoro Hamza Head of Global Transaction Services Citibank, Tanzania Simon Just Director Consumer Issuing ABSA Card, South Africa Fatai Baruwa Head of Payment Strategy and Cards Stanbic, Nigeria Lydia Bediako-Asare Head of Card Centre Ecobank, Ghana Nvalaye Kourouma Chief Executive Officer Afric Xpress Services Inc, Ghana Randell Hato Chief Financial Officer Vodafone, Ghana Binesh Mangar Head of Cards The Mauritius Commercial Bank, Mauritius Ilze Wagenar Head Retail Payments and Interbank Nedbank, South Africa Carol Realini Chief Executive Officer Obopay Inc, Senegal and Kenya More highlights Page 3 >> Full programme Page 5 - 8 >> Demand for advanced payments and the evolving regulatory frameworks 22 March 2011 >> Details on Page 9 Workshop 1 Workshop 2 Smart technology for smart people: prepaid card functionality 25 March 2011 >> Details on Page 9 AND Co-located with: Gold Sponsor:Platinum Sponsor:
- 2. www.terrapinn.com/2011/prepaidza book early and save 5online www.terrapinn.com/2011/prepaidza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! Book before 31 December to save 20% Fax the registration form to +27 (0)11 463 6903 Prepaid Cards Day Tuesday, 22nd of March 2011 07:30 Registration and refreshments 08:30 Chairperson’s opening remarks Philip Froom, CEO, Draw Card, South Africa Prepaid Card Revolution 08:45 Keynote address: The evolution of prepaid in today’s market • The evolution from pay now, to pay later and pay before • Prepaid and it’s effects on cash flow • Exploring available avenues of increased investment into prepaid • What the outlook is for prepaid adoption and how it will make your business make sense Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and Preposition, ABSA, South Africa 09:15 Keynote address: Identifying prepaid opportunities in the developing world • The un-banked market – how can the prepaid card gain market share? • Reaching lower-end markets through infrastructure investment • Value added services that appeal to the market and tap into undiscovered revenues • Prepaid business models – uncovering Africa’s unique market opportunities Chris Reddish, Chairman, Prepaid International Forum, UK Innovation 09:45 Panel session:Mapping the way forward for retailers in Africa • Staying on the safe side, legal issues around liability for retailers. • Retailers partnering with banking sector to create unique products • How the retail sector will be incorporating prepaid cards into their strategic plans Errol Braithwaite, Technical Executive, Bombela Concession Company, South Africa Nishid Dosa, General Manager Claims, Hollard, South Africa Zaida Africa, Gift Currency Specialist, Old Mutual, South Africa 10:30 Morning refreshments 11:00 Panel session: Multifunction prepaid cards – what’s the business case for them? • Extending card account life through adding value to the cards, adding profits to your bottom line • Understanding which functional partnerships will increase brand strength and profits • Using brand loyalty to increase card uptake and result in greater market share Vinayak Prasad, Head of Cards, Yes Bank, India Peter Sidenius, Director, Prepaid International Forum, UK Fatai Baruwa, Head of Cards and Strategy, Stanbic, Nigeria 11:45 Panel session: Semi-closed loop environments vs. closed loop prepaid cards • The business case in having open loop cards, finding revenue streams in Africa’s low infrastructure market • The business case for closed loop cards, providing security and convenience in high transaction markets • How both card implications can reach divergent markets, and ensure that all potential profits are being made Paul Nzimande, Head of Debit Cards, Ithala Bank, South Africa Kingsley Ogbonna, Head Card Business, PHB Bank, Nigeria Aderonke Kuye, General Manager e-Business and Card Services, Guaranty Trust Bank, Nigeria 12:15 Case study: Unraveling the potential – successful smart card implementations • Overview and history of smart card use in retail and corporate settings • Finding the correct model to suit your resources and target market • Building the best relationship with retail and corporate to create a strengthened prepaid card Richard Poynder, CEO, Smartex, UK 13:00 Networking luncheon 14:00 Case study: Blended products Gautrain • A new era of technology comes to Africa, what this means for the economy • The card as an access system, payment method and security feature, getting the most out of it • Report on how the card has revolutionised travel in South Africa • Financing channels and ensuring continued investment Errol Braithwaite, Technical Executive, Bombela Concession CompanyEvolution of prepaid 14:30 Case study: Prepaid Card Scheme for the un-banked in Namibia • What challenges do the un-banked face in Namibia • Overview of the prepaid card scheme • Opportunities and challenges ahead • Policy response in this regard Albert Matongela, Principal Payment System Analyst Banking Supervision, Bank of Namibia 15:00 Afternoon refreshments Security & Regulation 15:30 Panel session: Securing your business good will through securing your prepaid cards • Best practice for security in prepaid cards • Ways of improving security without compromising on prepaid convenience and accessibility • Security features being implemented to protect users and issuers of prepaid cards Uchenna Okwodu, Group Head eBusiness, Phb Bank, Nigeria Mutsa Sibanda, Head of Debit and Prepaid Card Issuing and Preposition, ABSA, South Africa Binesh Mangar, Head of Cards, Mauritius Commercial Bank, Mauritius 16:15 Panel session: Understanding regulation that affects the prepaid sphere • The regulatory environment around prepaid cards and how to make it count towards your effectiveness • Getting FICA right in prepaid transacting • Finding your footing with the Consumer Protection Bill and making it work as a business tool • Access for non-banks into the prepaid payment sector Kumaran Selvarajalu, Head of Payments Regulation, FirstRand Bank, South Africa Albert Matongela, Principal Payment System Analyst: Banking Supervision, Bank of Namibia, Namibia 17:00 Chairperson’s closing remarks and close of Prepaid Cards Day
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Day One Wednesday, 23rd of March 2011 08:30 Chairperson’s opening remarks The Cashfree Generation 08:45 Opening keynote address: The card revolution and what it means for Africa’s banking sphere • Overview of cards usage and implementation and how it has changed the way we do business • New technology being implemented internationally and how to make it work for you • Infrastructure investment and assuming efficient technology waves Alice Zanza, Payments Systems Specialist, World Bank, USA 09:15 Keynote address: The potential of Africa’s un-banked population? • How to achieve the highest profits, the business case for volume over margins • Increasing market share, market dynamics and understanding the specific market needs • Developmental vs profit orientated business models Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria 09:45 Keynote address: Inter-operability – Africa’s cross-border transactions made easier • African banks working towards a common goal to achieve higher market efficiency • Cross-border transactions simplified and made cost-effective • Uniformity in technological implementation & consistency i regulation to ensure transactional ease Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria 10:15 Morning tea and refreshments Business Models 10:45 Case study: The advantages of multi-functional cards in contemporary banking • Understanding customer kinetics, the customer insight that influences business plans • Blended products, getting the most value and benefit per card • Cards as an engine for ecomonic independance Gavin Savala, Regional Head of Cards Southern Africa, BancABC Southern Africa 11:15 Panel session: Credit cards as a revenue source again – post recession • Finding the credit opportunity post payment following prepaid and current payment upswing • Expanding into new markets and regaining market share through unique positioning • Protecting your credit model from risks arising from credit Vinayak Prasad, Head of Cards, Yes Bank, India Simon Just, Director Consumer Issuing, ABSA Card, South Africa Agatha Yowela, Head of Cards, Barclays Bank, Zambia 12:00 Case study: Untapped markets - domestic vs. international – card applications • Benchmarking with successful business models in cards & payments • Recognising potential in markets and pioneering within budget • Untapped markets in Africa and the way forward to reach and conquer them Hoda Shoukry, CEO, Mediterranean Smart Cards Company, Egypt 12:30 Reducing total cost of ownership by outsourcing your payment processing • Rising costs, how to stay ahead and keep your business ahead • Outsourcing the pros and cons • What to look for in an outsourcing firm Norman Roberts-York, Head Payment Solutions, Transaction Payment Solutions, London 13:15 Networking luncheon Collaborations 14:00 Case study: Co-branding, branding and loyalty – Trust Chemists • What can Africa learn from more established markets • Customer-driven diversification that yields high profits • What more for the sector, keeping cards relevant and cutting edge Nittin Chittal, Vice President Direct Banking, Axis Bank, India 14:30 Panel session: Competing with non-traditional financial services financial institutions • Moving away from financial services and systems that are becoming obsolete • Finding the right mix in card functionality, swipe vs. withdrawal • Ingenuity for future generations, finding new ways to add value Aderonke Kuye, General Manager eBusiness and Card Services, Guaranty Trust Bank, Nigeria Gavin Savala, Regional Head of Cards Southern Africa, BancABC, Southern Africa Catherine Mogambi, Head of Cards and Channel Support, Commercial Bank of Africa, Kenya Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia Patrick Gordon, Group CEO, MobiCash, South Africa 15:15 Networking & afternoon refreshments Cards and Payments Regulation 16:00 Presentation: Card interoperability trends and opportunities • Card payments interoperability and regulation and how to overcome the challenges facing the continent • Facts, figures and trends – statistics to explore card payments interoperability activities and stay ahead and competitive • The good, the bad, the ugly – Interoperability: project successes, failures and lessons • Where to from here, new innovations and opportunities - from a card interoperability perspective Brad Gillis, CEO Regulated Payments Cluster, BankservAfrica, South Africa 16:30 Panel session: Fee structures, finding balance between merchant customer and bank • Customer needs and how these can be translated into revenue • Bank fee structure that increase market share and profit margins • Finding mutually beneficial merchant partnerships Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya Olusegan Falana, Group Head Card Services, Fin Bank, Nigeria Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana Alice Zanza, Senior Payment Systems Specialist, Southern Africa World Bank, USA Albert Matongela, Principal Payment System Analyst, Namibia 17:15 Chairperson’s closing remarks and close of Cards Africa day one 17:30 Cocktail Function – Morrocan Theme Cards Africa 2011book early and save 6 BOOK NOW! online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
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Book before 31 December to save 20% Fax the registration form to +27 (0)11 463 6903 Day Two Thursday, 24th of March 2011 08:30 Chairperson’s opening remarks Brad Gillis, Chief Executive Officer Regulated Products Cluster, BankservAfrica, South Africa Next generation payments 08:45 Keynote address: Get Cash – The emergence of Get Cash ‘one tap’ banking as a payments solution • Find new solutions to old problems through innovative strategies • Marketing your brand name with breakthrough products that increase your customer base • Where to from here, new areas that Get Cash will be implementing its smart technology Simon Just, Director Consumer Issuing, ABSA Card, South Africa 09:15 Keynote address: Strategy and analytics in the African card business • Strategy in the cards industry that puts you ahead of the pack • Analytics as a back bone of the cards business: Sharing in the MCB success story • New ideas that grow your portfolio and give your card business a unique position Binesh Mangar, Head of Cards, Mauritius Commercial Bank, Mauritius 09:45 Morning refreshments and exhibition viewing 10:15 Keynote address: Migration of cards to mobile – The future of consumer payments in Africa • A model for examining payments opportunities and a perspective on the likely winners and losers • The “Big 5”, or is it “Big 6”? Game changing innovations in retail payments over the past 50 years • The drivers of change in the way consumers pay vs. the absolute laws of payments Graeme Holmes, Head Consumer Cards, Nedbank, South Africa Payment convergence 10:45 Regional Panel Session: Identifying the “profit centre” payment systems in Africa • Identifying the payment patterns to ensure that your business positioning is accurate • Discover which payments are resulting in higher profits and more account openings • Map the way forward to strengthen Africa’s overall payment scene Paul Nzimande, Head Debit Card, Ithala, South Africa Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya Uchenna Okwodu, Group Head eBusiness, PHB Bank, Nigeria Catherine Mogambi, Head of Cards and Channel Support, Commercial Bank of Africa, Kenya 11:30 Case study: Bringing your infrastructure up to speed with your operations • Telecommunications report on Africa, where we are moving towards • Having the correct resources to implement multi payment systems for business growth • Staying ahead of competition by staying one step ahead of technological changes Dr Matthews Mtumbuka, Head of Technical Services, Malswitch, Malawi 12:00 Panel session: Re-aligning your product offerings to sustain competitiveness • Regional reports on EMV compliance and its effects • Issues being encountered regionally in terms of investment technology or regulation • The business case for moving away from proprietary cards Agatha Yowela, Head of Cards, Barclays, Zambia Lydia Bediako-Asare, Head of Card Centre, Ecobank, Ghana Abeyu Mengesha, Head Card Centre, Wegagen Bank, Ethiopia Kingsley Ogbonna, Head Card Business, Bank PHB, Nigeria 12:45 Networking luncheon 14:00 Fraud and Security 14:30 Presentation: Global security and fraud trends in the cards payment industry • Exploring the dynamics around security and authentication common practice • Understanding and staying ahead of emerging crime patterns • Best practices for curtailing fraud, through anticipatory skills • Efforts, skills and systems required to combat these trends Susan Potgieter, General Manager Commercial Crime Office, SABRIC, South Africa 15:00 Panel session: Fighting fraud – taking the chip off the shoulder • Magnetic stripe to chip migration and what it means for security and fraud management • Infrastructure required to support chip use • Understanding the implications of liability shift on merchants and banks and the international impact on clientele Wilfred Michoma, Card Portfolio Manager, KCB Group, Kenya Olusegun Falana, Group Head Card Services, Fin bank, Nigeria Agatha Yowela, Head of Cards, Barclays, Zambia 15:45 Afternoon refreshments Technology and Innovation 16:15 Case study: IT as the future of cards payments, taking a sneak preview into tomorrow • African infrastructure funding report, discovering avenues for accessing finance • Card payment innovations currently in the pipeline and how they will impact the sector • Innovation today, common place tomorrow, how to stay ahead of tomorrow Anne Daffey, Head of Innovation and New Business, ABSA, South Africa 16:45 Panel session: Chip Technology implementation • Is chip technology encouraging or inhibiting African card growth • How banks invest in this technology in the face of budget cuts • What are the pipeline technologies and spin off from chip card Nassoro Hamza, Vice President and Head of Global Transaction Services, Tanzania Fatai Baruwa, Head Payment Strategy and Cards, Stanbic, Nigeria Dr Matthews Mtumbuka, Head of Technical Services, Malswitch, Malawi 17:00 Chairperson’s closing remarks and close of Cards Africa day two www.terrapinn.com/2011/cardsza book early and save 7online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! Things that keep you awake at night You have voted for these topics! Your chosen speakers will now offer you real-time, spontaneous solutions and commentary on the issues that keep you awake at night. Bring your questions to this discussion.
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Mobile Money Day Friday, 25th of March 2011 08:30 Chairperson’s opening remarks A brave new mobile world 08:45 Keynote address: Turning your mobile money business challenges into opportunities • Find the right business model and profits from ‘lower end’ market transactions • Critical mass is as a necessity to make profits in Africa • Attract and stimulate the correct investment into infrastructure Moses Opeto, National Manager Mobile Money, MTN, Uganda 09:15 Keynote address: The birth of Obopay in the African market • Obopay in the Senegalese market and future expansion • How Obopay is capturing the remittances market in the diaspora • Overcome regulatory issues between and within countries Carol Realini, CEO, Obopay Senegal, Kenya 09:45 Keynote address: The business case for mobile money in Africa • Understand financial and business factors that will influence mobile money • Find the correct product mix for your business to sustain a product launch • Protect enterprise goodwill and telco core business to ensure long term success Randell Hato, Chief Financial Officer, Vodafone, Ghana 10:15 Morning refreshments and networking Business Models 10:45 Keynote address: m-Commerce – a brave new world or just one more channel • Is the mobile payments channel a disruptive business change? Find answers to business challenges • How mobile payments really replace the cash economy • Explore mobile payments as a part of mainstream consumer payments infrastructure • Success factors for mobile access to banking infrastructure Yolande van Wyk, CEO, Smart Services FNB Mobile and Transact Solutions, South Africa 11:15 Case study: Partnering up M-Pesa Vodacom South Africa • Value adding partnerships that lead to higher profits • The success of network use in mobile money • The pending need for bank-led transfers, KYC (Know Your Customer) systems as a security tool Ilze Wagenar, Head Retail Payments and Interbank, Nedbank, South Africa 11:35 Case study: Setting up a mobile money system • Understand the legalities in setting up a mobile money system • Launch a financial product in a non financial business • M-Pesa South Africa as at March 2011 and where to from here Mark Taylor, Managing Executive Terminals Financial and On-Line Services M-PESA, Vodacom, South Africa 11:55 Presentation: The remittances market – effectively banking money from abroad • The remittances market and its potential in Africa • The economic structures necessary for a remittance market • Customer orientated services, understand the demographical needs that bring in revenue Karen Jordan, Regional Director Northern and Southern Africa, Western Union 12:25 Case study: Mobile banking – the outreach model – creating virtual banks for the micro market • Mobile as a channel to increase access to financial services • A business model that creates inclusive banking and increases your market share • Lessons to be learnt from bank and telco-led models Bezant Chongo, Regional Micro Finance Specialist, PlaNet Finance, Southern Africa 13:00 Networking luncheon Infrastructure 14:00 Case study: Afric Xpress: Success story • Txt’n’pay and success in the Ghanaian market • Business growth from partnering with Vodafone and others • Where we are taking mobile money in the future? Nvalaye Kourouma, CEO, Afric Xpress, Ghana 14:45 Panel session: Technology evolution: mobile and financial services • Investment, upgrading and maintenance of telecoms systems • Technologically dependant new markets • Moving towards cross telecom network money transfer and how that will open new markets Paul Stemmet, General Manager, MXIT Lifestyle, South Africa Pious Musabaila, Head of eBusiness Mobile Payments and Transactional Services, Zanaco, Zambia Brian Richardson, MD and CEO, Wizzit, South Africa Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe Patrick Gordon, Group CEO, MobiCash, South Africa 15:15 16:00 Case study: Signposts for mobile money • Highlights from the Mobility 2011 research project • The role of mobile money in driving the mobile internet • Steps taken for the rise in the digital participation curve Arthur Goldstruck, Managing Director, World Wide Worx, South Africa Legislation 16:15 Presentation: Addressing AML laws and finding cost effective protection • Foreign exchange regulation and its role in the securing of mobile money systems • How regulation will change the face of mobile money • How to get the most out of bank infrastructure Nassoro Hamza, Vice President, Citi Bank, Tanzania 17:00 Panel session: Fraud and risk management • Strong control systems by mobile operators (PIN) to protect both customer and service provider • Debt-managements and incentive cards, using them as a risk manager • Bank-led models and their advantages, KYC and AML identification, how these issues are increasingly becoming national security issues Kumaran Selvarajalu, Head of Payments Regulation, First Rand Bank, South Africa Francis Matseketsa, Mobile Money Executive, Econet, Zimbabwe Nvalaye Kourouma, CEO, Afric Xpress Ghana Lee Albertyn, Managing Executive Digital Channels, ABSA, South Africa 17:45 Chairperson’s closing remarks and close of conference Networking & afternoon refreshments Mobile Money World Africa 2011book early and save 8 BOOK NOW! online www.terrapinn.com/2011/mobileza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903
- 6. www.terrapinn.com/2011/cardsza book early and save online www.terrapinn.com/2011/cardsza | email enquiry.za@terrapinn.com | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! 9 5-day Platinum pass Save R5370 if you book before 31 Dec See back page Fun, high-speed breaks in the conference day for making new contacts and exchanging details. Arrange meetings online before you arrive. Access event resources, such as white papers and presentations, after you’ve left. More than listening, interact with our panelists This is your chance to shape the conference agenda. You select the topic and presenters. So bring along your ideas and get ready to make a name for yourself. We lessen this brochure’s impact on the environment by using environmentally friendly paper. Get the most from your conference Workshop 1 – Tuesday 22 March 2011 Workshop 2 – Friday 25 March 2011 Conference Workshops Your workshop leader Your workshop leader Peter Sidenius Director | Edgar Dunn & Company, United Kingdom Peter has over 18 years of experience in consulting in strategic consulting to a variety of leading industry clients in financial services, with wide geographical experience across the European, North American, Middle Eastern, and African markets. Craig Kilfoil CEO I ExactSwitch SA Craig has over a decades expertise in new technologies and payment systems. His expertise is built on actual experience through the deployment of new payment technologies into developing markets with the view of achieving efficient payments and financial service deepening in “banking the un-banked”, focused largely in Africa. Mobile money payment demands – business effects and evolving regulatory frameworks Objective The relationship between demand for new payment solutions and the increased focus on regulatory developments applied to mobile payment solutions will be explored in this interactive workshop. Participants will be provided with an in-depth overview of advanced mobile payment developments globally and the regulatory developments and trends that affect the sector. The workshop will then illustrate how new services can flourish in this environment, by turning to how players in mobile payments can involve themselves in the regulatory framework developments through engaging in industry bodies. 08:30 Registration and refreshments 09:00 Introduction to mobile money • Main regulatory concepts of financial regulation • Mobile money models • Regulatory factors affecting each mobile money model • Diagnostic approaches: What is the right mobile money model in the given regulatory environment? 10:30 Morning refreshments and networking 11:00 How do we scale the mobile frontier, leveraging technology and partnership for sustainable development and financial inclusion? 12:30 Networking lunch 13:30 m-Banking, m-payment, and electronic remittance systems • Systems that are being implemented and their success stories • Case studies 15:00 Afternoon refreshments and networking 15:30 Pro-actively engaging in shaping the regulatory environment. An in-depth review of regulatory developments in regions driving the development of mobile money regulation: A look at the leading countries. • Interacting with regulatory bodies • Engaging with industry bodies • Consumer rights/protection • AML, KYC 17:00 End of workshop Smart technology for smart people: prepaid card functionality Objective This session will introduce the use of smart cards and will explain the smart card family of technologies and generic attributes available and appropriate for likely applications to be supported, special attention and comments will be given to the “Prepaid Card” together with their respective strengths, weaknesses and cost implications. 08:30 Registration and refreshments 09:00 Smart card technologies • An analysis of chip types and performance, card types including memory, micro-processor, combi and hybrid cards together with their performance and usage • Description of the typical operation of each card type 10:30 Morning refreshments and networking 11:00 Security • A description of security features of different card types, together with an explanation of encryption and decryption routines 12:30 Networking lunch 13:30 The business and financial case for prepaid cards • An explanation of the issues relating to the development of business and financial cases and plans for smart card-based schemes, and the identification of the main areas of cost and revenue 15:00 Afternoon refreshments and networking 15:30 Prepaid card business models • This session considers the politics and practicalities of the biggest emerging market sectors- transport etc • A technical and commercial description of e-payment systems and products for which prepaid cards can be used 17:00 End of workshop OR
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